Credit-based ride payment method, device, electronic device and storage medium

Abstract

An embodiment of the present invention provides a credit-based ride payment method, device, electronic device and storage medium; wherein the method includes: in response to an activation instruction for a virtual ride card, presenting a payment authorization button for authorizing the payment method corresponding to the virtual ride card; in response to an authorization instruction triggered by the payment authorization button, obtaining the credit of a target user associated with the virtual ride card; based on the credit of the target user, allocating a corresponding payment amount to the virtual ride card; in response to a first payment order sent via a near-field communication connection, deducting an order amount corresponding to the first payment order from the payment amount; based on the order amount, sending a second payment order to a payment terminal corresponding to the payment method, so as to deduct the order amount from the payment account associated with the target user based on the second payment order.

Description

Technical Field

[0001] The present invention relates to communication technology and blockchain technology, and in particular to a credit-based ride payment method, device, electronic device and storage medium. Background Art

[0002] With the development of Internet technology, users mostly use physical travel cards to pay for rides (such as buses and subways). Users complete the payment by swiping the card on a card swiping device. The existence of physical travel cards has greatly facilitated users' travel.

[0003] In the related art, the physical card needs to have a balance sufficient to pay for the fare before use, and the user needs to recharge the physical card in advance. To recharge the physical card, the user needs to go to a special recharge point or manually recharge the physical card through a mobile phone, which is a cumbersome operation. If the user forgets to recharge in advance, it will affect the user's ride and the user experience is low. Summary of the invention

[0004] The embodiments of the present invention provide a credit-based ride payment method, device, electronic device and storage medium, which can provide users with a ride-first-pay-later experience and reduce the time cost and operation cost required for users to ride.

[0005] The technical solution of the embodiment of the present invention is achieved as follows:

[0006] An embodiment of the present invention provides a credit-based ride payment method, the method comprising:

[0007] In response to an activation instruction for a virtual travel card, presenting a payment authorization button for authorizing a payment method corresponding to the virtual travel card;

[0008] In response to an authorization instruction triggered by the payment authorization button, obtaining the credit of a target user associated with the virtual travel card;

[0009] Allocating a corresponding payment amount to the virtual travel card based on the credit rating of the target user;

[0010] In response to a first payment order sent through the near field communication connection, deducting an order amount corresponding to the first payment order from the payment amount;

[0011] Based on the order amount, a second payment order is sent to the payment terminal corresponding to the payment method, so as to deduct the order amount from the payment account associated with the target user based on the second payment order.

[0012] The embodiment of the present invention further provides a credit-based ride payment device, comprising:

[0013] A display module, for responding to an activation instruction for a virtual travel card, presenting a payment authorization button for authorizing a payment method corresponding to the virtual travel card;

[0014] an acquisition module, configured to acquire the credit of a target user associated with the virtual bus card in response to an authorization instruction triggered by the payment authorization button;

[0015] An allocating module, configured to allocate a corresponding payment amount to the virtual bus card based on the credit rating of the target user;

[0016] a payment module, configured to, in response to a first payment order sent via a near field communication connection, deduct an order amount corresponding to the first payment order from the payment amount;

[0017] A sending module is used to send a second payment order to the payment terminal corresponding to the payment method based on the order amount, so as to deduct the order amount from the payment account of the associated target user based on the second payment order.

[0018] In the above solution, the device further includes an association module;

[0019] The display module is further used to present a payment rule corresponding to the payment method and a determination function item for determining the payment method;

[0020] The association module is used to associate the virtual travel card with the payment terminal corresponding to the payment method in response to an operation instruction for the determined function item triggered according to the payment rule.

[0021] In the above solution, the acquisition module is further used to send a credit acquisition request corresponding to the target user;

[0022] A returned credit score representing the creditworthiness of the target user is received.

[0023] In the above solution, the acquisition module is further used to send the credit acquisition request to the parent application running the sub-application through the sub-application.

[0024] In the above solution, the allocation module is further used to determine the payment limit of the virtual travel card based on the credit of the target user and the mapping relationship between the credit and the payment limit;

[0025] Based on the payment limit of the virtual travel card, a corresponding payment amount is allocated to the virtual travel card.

[0026] In the above scheme, the display module is also used to present the virtual bus card including the bus card number in the view interface, and the bus card number is used to identify the virtual bus card, indicating that the virtual bus card is successfully activated.

[0027] In the above solution, the display module is also used to present the card swiping information and / or payment information corresponding to the virtual bus card through a pop-up window.

[0028] In the above solution, the acquisition module is further used to send a card swiping record corresponding to the virtual bus card including the order amount;

[0029] The second payment order generated based on the card swiping record is received and returned, and the payment amount corresponding to the second payment order is the same as the order amount.

[0030] In the above solution, the device further comprises:

[0031] A recharge module, used for receiving a payment success message corresponding to the second payment order;

[0032] Based on the payment success message, the virtual travel card is recharged so that the balance of the virtual travel card is the same as the payment amount.

[0033] In the above solution, the payment module is further used to obtain the balance of the virtual travel card in response to a third payment order sent through the near field communication connection;

[0034] The display module is further used to present a prompt message indicating insufficient balance when the balance is less than the order amount of the third payment order.

[0035] In the above solution, the acquisition module is further used to acquire the updated credit rating of the target user;

[0036] The allocation module is further used to adjust the payment amount allocated to the virtual travel card based on the updated credit rating of the target user.

[0037] In the above solution, the device also includes a detection module;

[0038] The detection module is used to detect the near field communication interface and obtain a detection result;

[0039] The display module is also used to present a payment authorization button for authorizing a payment method corresponding to the virtual bus card when the detection result indicates that a near field communication interface is detected.

[0040] In the above solution, the device further comprises:

[0041] a storage module, configured to perform hash processing on the second payment order to obtain a summary of the second payment order;

[0042] The summary of the second payment order is stored in the blockchain network.

[0043] An embodiment of the present invention further provides an electronic device, including:

[0044] A memory for storing executable programs;

[0045] The processor is used to implement the credit-based ride payment method provided by the embodiment of the present invention when executing the executable program stored in the memory.

[0046] An embodiment of the present invention further provides a storage medium storing an executable program. When the executable program is executed by a processor, the credit-based ride payment method provided by the embodiment of the present invention is implemented.

[0047] The application of the above embodiments of the present invention has the following beneficial effects:

[0048] A corresponding payment amount is allocated to the user's virtual bus card based on the user's credit. After the user takes the bus, the corresponding fare is first deducted from the allocated payment amount, and then the fare is deducted from the user's payment account, giving the user an experience of riding first and paying later. At the same time, since the user does not need to recharge the virtual bus card, the time and labor costs required for the user to take the bus are greatly reduced, thereby improving the user's riding experience. BRIEF DESCRIPTION OF THE DRAWINGS

[0049] Figures 1A to 1G Interface view for recharging physical bus cards via mobile phones provided by related technologies;

[0050] FIG. 2A to FIG. 2H An interface view for related technologies to realize ride payment through ride codes;

[0051] Figure 3 A schematic diagram of an optional architecture of a credit-based ride payment system provided in an embodiment of the present invention;

[0052] Figure 4 is a schematic structural diagram of an electronic device 400 provided in an embodiment of the present invention;

[0053] Figure 5A A schematic diagram of an optional system architecture for running a mini-program on a client provided in an embodiment of the present invention;

[0054] Figure 5B A schematic diagram of displaying a mini-program page in a client provided by an embodiment of the present invention;

[0055] Figure 6A flow chart of a credit-based ride payment method provided in an embodiment of the present invention;

[0056] FIG. 7A to FIG. 7G An interface view of a credit-based ride payment provided by an embodiment of the present invention;

[0057] Figure 8 A schematic diagram of the application architecture of the blockchain network provided by an embodiment of the present invention;

[0058] Fig. 9 80 is a schematic diagram of the structure of a blockchain in a blockchain network 80 provided in an embodiment of the present invention;

[0059] Fig.10 A schematic diagram of the functional architecture of a blockchain network 80 provided in an embodiment of the present invention;

[0060] Fig.11 A schematic diagram of a method flow for opening a virtual bus card provided in an embodiment of the present invention;

[0061] Fig. 12A and Fig. 12B A schematic diagram of a method flow for opening a virtual bus card provided in an embodiment of the present invention;

[0062] Fig.13A and Fig. 13B A schematic flow chart of a method for using a virtual bus card provided in an embodiment of the present invention;

[0063] Fig.14 A schematic diagram of the composition structure of a credit-based ride payment device provided in an embodiment of the present invention. DETAILED DESCRIPTION

[0064] The present invention will be further described in detail below in conjunction with the accompanying drawings and embodiments. It should be understood that the embodiments provided herein are only used to explain the present invention and are not intended to limit the present invention. In addition, the embodiments provided below are partial embodiments for implementing the present invention, rather than providing all embodiments for implementing the present invention. In the absence of conflict, the technical solutions recorded in the embodiments of the present invention can be implemented in any combination.

[0065] It should be noted that, in the embodiments of the present invention, the terms "include", "comprise" or any other variants thereof are intended to cover non-exclusive inclusion, so that a method or apparatus including a series of elements includes not only the elements explicitly recorded, but also includes other elements not explicitly listed, or also includes elements inherent to the implementation of the method or apparatus. In the absence of further restrictions, an element defined by the sentence "includes a ..." does not exclude the presence of other related elements (such as steps in a method or units in a device, for example, a unit may be a part of a circuit, a part of a processor, a part of a program or software, etc.) in the method or apparatus including the element.

[0066] For example, the web page processing method provided by the embodiment of the present invention includes a series of steps, but the web page processing method provided by the embodiment of the present invention is not limited to the recorded steps. Similarly, the web page processing device provided by the embodiment of the present invention includes a series of units, but the device provided by the embodiment of the present invention is not limited to including the units explicitly recorded, and may also include units required to obtain relevant information or perform processing based on the information.

[0067] Before further describing the present invention in detail, the nouns and terms involved in the embodiments of the present invention are explained. The nouns and terms involved in the embodiments of the present invention are subject to the following explanations.

[0068] 1) Parent applications, such as various clients, including applications running in the terminal for providing various services, typically instant messaging clients represented by WeChat.

[0069] 2) Sub-applications, which are programs that run within a parent application, such as mini-programs. Mini-programs are programs developed based on front-end languages ​​(such as JavaScript) that implement services in Hypertext Markup Language (HTML) pages. After being downloaded from the client, they can be immediately interpreted and executed in the client, saving the step of installation in the client.

[0070] 3) Transaction, which is equivalent to the computer term "transaction". Transaction includes operations that need to be submitted to the blockchain network for execution, and does not refer only to transactions in a business context. In view of the conventional use of the term "transaction" in blockchain technology, the embodiments of the present invention follow this convention.

[0071] For example, the Deploy transaction is used to install the specified smart contract to the nodes in the blockchain network and prepare it to be called; the Invoke transaction is used to append transaction records to the blockchain by calling the smart contract and perform operations on the blockchain's state database, including update operations (including adding, deleting, and modifying key-value pairs in the state database) and query operations (i.e. querying key-value pairs in the state database).

[0072] 4) Blockchain is an encrypted, chained transaction storage structure formed by blocks.

[0073] 5) Blockchain Network: A collection of nodes that incorporate new blocks into the blockchain through consensus.

[0074] 6) Ledger is a general term for blockchain (also called ledger data) and the state database synchronized with the blockchain. The blockchain records transactions in the form of files in the file system; the state database records transactions in the blockchain in the form of different types of key-value pairs, which is used to support fast query of transactions in the blockchain.

[0075] 7) Smart Contracts, also known as chaincode or application code, are programs deployed in the nodes of the blockchain network. The nodes execute the smart contracts called in the received transactions to update or query the key-value data in the state database.

[0076] 8) Consensus is a process in the blockchain network used to reach agreement on transactions in a block among multiple nodes involved. The agreed blocks will be appended to the end of the blockchain. The mechanisms for achieving consensus include Proof of Work (PoW), Proof of Stake (PoS), Delegated Proof-of-Stake (DPoS), Proof of Elapsed Time (PoET), etc.

[0077] 9) In response, it is used to indicate the conditions or states on which the executed operations depend. When the dependent conditions or states are met, one or more operations executed may be in real time or have a set delay. Unless otherwise specified, there is no restriction on the order of execution of the multiple operations executed.

[0078] In the related art, users use physical bus cards to pay for bus travel. In order not to affect normal use, users need to recharge the physical bus cards in advance. Figures 1A to 1G The interface view for recharging the physical bus card through the mobile phone is provided for the related technology, combined with Figures 1A to 1G The process of recharging the physical bus card is explained.

[0079] First, in the view interface with the Near Field Communication (NFC) button (i.e. Figure 1A When the user clicks the NFC button, the phone will be redirected to the NFC function settings interface (i.e. Figure 1B As shown), the user clicks the function switch corresponding to the NFC function to trigger the NFC function to be turned on; the user brings the physical bus card close to the mobile phone, such as sticking the physical bus card on the back of the mobile phone, to achieve near-field communication, and the page presented by the mobile phone jumps to the recharge interface (i.e. Figure 1C As shown), the user selects the recharge amount, and then the page jumps to the payment page. After the user completes the payment using the associated payment method, the data is written to the physical bus card through near-field communication to complete the recharge.

[0080] The above-mentioned method of recharging the physical bus card requires manual operation by the user, and the process is complicated and the operation time is long. In the case where the user forgets to recharge in advance, the user's ride is affected and the user experience is low.

[0081] In related technologies, users can also use the ride code applet to pay for rides using the ride code. FIG. 2A to FIG. 2H The interface view for the relevant technology to realize the payment through the ride code will be combined with FIG. 2A to FIG. 2H The following explains the process of using the QR code to pay for rides.

[0082] The user opens the client (parent application) and searches for the "ride code" applet (child application) through the search function of the client. The user selects the ride code applet from the presented applet, and the view interface corresponding to the selected ride code applet is presented (i.e. Figure 2B As shown), the user clicks the "Go to ride" button in the view interface to trigger the activation of the ride code, and the page jumps to the ride code activation interface (i.e. Figure 2C As shown), the user clicks "Activate the Ride Code" to trigger the activation instruction for the Ride Code, and the page jumps to the payment authorization interface (i.e. Figure 2D As shown), password-free payment can be activated through this interface, and the user can select the deduction method. After password-free payment is activated, when the user pays based on the ride code, the user can pay for the ride by scanning the code through a billing device with a scanning function. During the payment process, the corresponding ride fee will be deducted from the associated account through the deduction method selected by the user.

[0083] The above-mentioned method of using the boarding code to realize the payment of the ride requires the card swiping equipment (gate machine) in the related technology to be modified so that it has the code scanning function. However, the modification of the card swiping equipment requires a lot of manpower and material resources and is extremely costly.

[0084] Based on this, a credit-based ride payment method, device, electronic device, system and storage medium according to an embodiment of the present invention are proposed to at least solve the above-mentioned problems in the related art, which will be described below respectively.

[0085] Figure 3 An optional architecture diagram of a credit-based ride payment system provided in an embodiment of the present invention, see Figure 3 To support an exemplary application, terminals (including terminal 400-1 and terminal 400-2) are connected to server 200 via network 300. Network 300 may be a wide area network or a local area network, or a combination of the two, and data transmission is achieved using wireless or wired links.

[0086] The terminal (such as terminal 400-1) is used to respond to the activation instruction of the virtual travel card triggered by the user, and present a payment authorization button for authorizing the payment method corresponding to the virtual travel card; when the user triggers the authorization instruction based on the payment authorization button, the terminal sends a credit acquisition request of the target user associated with the virtual travel card to the server 200 to obtain the credit of the target user associated with the virtual travel card;

[0087] The server 200 is used to query the credit of the target user in the database based on the received credit acquisition request, and return the credit of the target user to the terminal;

[0088] The terminal (such as terminal 400-1) is further used to receive a first payment order sent by a card swiping device through a near field communication connection, and deduct the order amount of the first payment order from the payment amount of the virtual travel card;

[0089] The terminal (such as terminal 400-1) is also used to send a second payment order to the payment terminal corresponding to the payment method based on the order amount, so as to deduct the order amount from the payment account of the associated target user based on the second payment order.

[0090] In actual applications, the server 200 can be a single server configured to support various services, or can be configured as a server cluster; the terminal can be various types of user terminals such as smart phones, tablet computers, laptop computers, etc., and can also be wearable computing devices, personal digital assistants (PDAs), desktop computers, cellular phones, media players, navigation devices, game consoles, televisions, or a combination of any two or more of these data processing devices or other data processing devices.

[0091] Next, the electronic device for implementing the credit-based ride payment method of the embodiment of the present invention is described below. In some embodiments, the electronic device can be a terminal or a server. Figure 4 , Figure 4 is a schematic diagram of the structure of an electronic device 400 provided in an embodiment of the present invention, Figure 4 The electronic device 400 shown includes: a processor 410, a memory 450, a network interface 420 and a user interface 430. The various components in the electronic device 400 are coupled together via a bus system 440. It is understood that the bus system 440 is used to achieve connection and communication between these components. In addition to the data bus, the bus system 440 also includes a power bus, a control bus and a status signal bus. However, for the sake of clarity, the bus system 440 is not shown in FIG. Figure 4 Various buses are labeled as bus system 440 .

[0092] Processor 410 can be an integrated circuit chip with signal processing capabilities, such as a general-purpose processor, a digital signal processor (DSP), or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, etc., where the general-purpose processor can be a microprocessor or any conventional processor, etc.

[0093] The user interface 430 includes one or more output devices 431 that enable presentation of media content, including one or more speakers and / or one or more visual display screens. The user interface 430 also includes one or more input devices 432, including user interface components that facilitate user input, such as a keyboard, mouse, microphone, touch screen display, camera, other input buttons and controls.

[0094] The memory 450 may be removable, non-removable, or a combination thereof. Exemplary hardware devices include solid-state memory, hard disk drives, optical disk drives, etc. The memory 450 may optionally include one or more storage devices that are physically remote from the processor 410.

[0095] The memory 450 includes a volatile memory or a nonvolatile memory, and may also include both volatile and nonvolatile memories. The nonvolatile memory may be a read-only memory (ROM), and the volatile memory may be a random access memory (RAM). The memory 450 described in the embodiment of the present invention is intended to include any suitable type of memory.

[0096] In some embodiments, memory 450 can store data to support various operations, examples of which include programs, modules, and data structures, or a subset or superset thereof, as exemplarily described below.

[0097] Operating system 451, including system programs for processing various basic system services and performing hardware-related tasks, such as a framework layer, a core library layer, a driver layer, etc., for implementing various basic services and processing hardware-based tasks;

[0098] A network communication module 452, for reaching other computing devices via one or more (wired or wireless) network interfaces 420, exemplary network interfaces 420 include: Bluetooth, Wireless Compatibility Authentication (WiFi), and Universal Serial Bus (USB);

[0099] a presentation module 453 for enabling presentation of information via one or more output devices 431 (e.g., display screen, speaker, etc.) associated with the user interface 430 (e.g., a user interface for operating peripherals and displaying content and information);

[0100] The input processing module 454 is used to detect one or more user inputs or interactions from one of the one or more input devices 432 and translate the detected inputs or interactions.

[0101] In some embodiments, the credit-based ride payment device provided by the embodiments of the present invention can be implemented in software. Figure 4 A credit-based ride payment device 455 stored in a memory 450 is shown, which may be software in the form of a program or plug-in, including the following software modules: a display module 4551, an acquisition module 4552, an allocation module 4553, a payment module 4554, and a sending module 4555. These modules are logical, and therefore may be arbitrarily combined or further split according to the functions implemented. The functions of each module will be described below.

[0102] In other embodiments, the credit-based ride payment device provided by the embodiment of the present invention can be implemented in hardware. As an example, the credit-based ride payment device provided by the embodiment of the present invention can be a processor in the form of a hardware decoding processor, which is programmed to execute the credit-based ride payment method provided by the embodiment of the present invention. For example, the processor in the form of a hardware decoding processor can adopt one or more application-specific integrated circuits (ASICs), DSPs, programmable logic devices (PLDs), complex programmable logic devices (CPLDs), field programmable gate arrays (FPGAs) or other electronic components.

[0103] Based on the above description of the credit-based ride payment system and electronic device in the embodiment of the present invention, before describing the credit-based ride payment method provided by the embodiment of the present invention, the parent application and sub-application involved in the embodiment of the present invention are first described.

[0104] For example, the parent application is the client and the child application is the applet. Figure 5A A schematic diagram of an optional system architecture for running a small program on a client provided in an embodiment of the present invention, Figure 5B A schematic diagram of displaying a mini-program page in a client provided by an embodiment of the present invention, combined with Figure 5A and Figure 5B When the client 11 (such as the WeChat client WeChat) set in the terminal 20 runs the mini-program for the first time, it needs to download the mini-program and send an initialization request to the mini-program server to download the mini-program. In order to increase the download speed, the request can be redirected to the content distribution network 13 (CDN, Content Delivery Network). From a suitable node server in the content distribution network 13 (for example, a node server is selected based on the shortest link condition, load balancing condition, etc.), the content distribution network 13 replaces the mini-program server to send the mini-program data package (Package) to the client 11, that is, the source code of the mini-program, thereby realizing the download of the mini-program; after the client completes the initialization of the mini-program, it loads the mini-program page by interpreting the mini-program code. The mini-program sends a data request to the server 12 to obtain the JSON data required for page display and page update, and then the mini-program renders the page according to the obtained JSON data to realize the page display / update of the mini-program in the client.

[0105] Based on the above description of the parent application and the child application, the credit-based ride payment method provided by an embodiment of the present invention will be described below. Figure 6 A flow chart of a credit-based ride payment method provided in an embodiment of the present invention, FIG. 7A to FIG. 7G The interface view of the credit-based ride payment provided in the embodiment of the present invention; in some embodiments, the credit-based ride payment method can be implemented by the terminal, or by the server and the terminal in collaboration. Taking the terminal implementation as an example, such as by Figure 3 The implementation of terminal 400-1 in the Figure 3 , Figure 6 , FIG. 7A to FIG. 7G , the credit-based ride payment method provided by an embodiment of the present invention is described.

[0106] Step 601: In response to an activation instruction for a virtual travel card, the terminal presents a payment authorization button for authorizing a payment method corresponding to the virtual travel card.

[0107] Here, in actual implementation, since the terminal needs to have NFC function for payment based on the virtual bus card, it is necessary to test the NFC function of the terminal before activating the virtual bus card to determine whether the terminal has the NFC function. Specifically, the terminal detects the near-field communication interface to obtain a detection result. When the detection result indicates that the near-field communication interface is detected, the terminal is deemed to have the NFC function. Then, when the activation instruction for the virtual bus card is received, a payment authorization button for authorizing the payment method corresponding to the virtual bus card can be presented.

[0108] In some embodiments, a virtual bus card client is provided on the terminal. The terminal presents an activation interface including one or more virtual bus cards by running the virtual bus card client. The user selects the virtual bus card to be activated and triggers the activation instruction for the virtual bus card by clicking on the selected virtual bus card. On the payment authorization interface, a payment authorization button for authorizing the payment method corresponding to the virtual bus card is presented.

[0109] Here, the virtual bus card is to simulate the physical bus card on a terminal with NFC function, realizing the function of the built-in bus card in the mobile phone.

[0110] In other embodiments, a parent application is provided on the terminal, such as an instant messaging client, and the “transit card” mini-program is searched through the mini-program search function provided by the parent application, and a search result interface corresponding to the search for the “transit card” mini-program is presented ( Fig. 7A As shown), the user clicks on the "Transit Card" applet in the search results interface to jump to the applet page ( Figure 7BAs shown), the user selects the virtual bus card that he wants to activate, and triggers the activation instruction for the virtual bus card by clicking (such as by clicking Figure 7B The "Activate Now" button in the view interface shown triggers the activation instruction for the virtual bus card), and the mini program jumps to the payment authorization interface ( Figure 7C As shown), on the payment authorization interface, a payment authorization button is presented for authorizing the payment method corresponding to the virtual bus card.

[0111] In some embodiments, the terminal also presents payment rules corresponding to the payment method and a determination function item for determining the payment method on the payment authorization interface; in response to an operation instruction for the determination function item triggered according to the payment rules, the virtual passenger card is associated with the payment terminal corresponding to the payment method.

[0112] Take the applet as an example, see Figure 7C In the payment authorization interface, the payment method presented by the mini program is "change", and the payment rule corresponding to the payment method "change" is to recharge the card by paying with change when the balance in the card is insufficient after riding; here, the payment rule corresponding to the payment method is used to explain the payment method; when the user triggers an operation instruction for a certain function item according to the payment rule, the mini program realizes the virtual bus card and the payment end corresponding to the payment method, that is, the client running the mini program.

[0113] Step 602: In response to the authorization instruction triggered by the payment authorization button, the credit rating of the target user associated with the virtual travel card is obtained.

[0114] In some embodiments, when a virtual card client is provided on the terminal, in response to an authorization instruction triggered by a payment authorization button, the virtual card client sends a credit acquisition request of a target user associated with the virtual card to a backend server to acquire the credit of the target user returned by the backend server. Here, in actual implementation, the backend server itself can store the credits of multiple users, and query the corresponding credits according to the target user identifier carried in the credit acquisition request, or the backend server forwards the credit acquisition request to a server storing user credit information based on the target user identifier of the target user, to acquire the credit of the target user, and returns it to the virtual card client.

[0115] Here, credit refers to the degree of trustworthiness of the user as reflected in terms of social reputation, economic conditions, and performance of commodity transactions. In practical applications, the credit of the user can be represented by a credit score, and the high or low credit score reflects the high or low credit.

[0116] In other embodiments, when the execution subject is a mini program, the mini program responds to the authorization instruction triggered by the payment authorization button, and sends a credit acquisition request corresponding to the target user to the client running the mini program, so that the client running the mini program obtains the credit of the target user from the background server and returns it to the mini program.

[0117] Step 603: Based on the credit rating of the target user, a corresponding payment amount is allocated to the virtual travel card.

[0118] In some embodiments, a mapping relationship between credit and payment limit is set up. The terminal determines the payment limit of the virtual passenger card based on the credit of the target user and the mapping relationship between credit and payment limit; and can allocate a corresponding payment amount to the virtual passenger card based on the payment limit of the virtual passenger card.

[0119] In some embodiments, creditworthiness is represented by a credit score, and the terminal may allocate a corresponding payment amount to a virtual transit card in the following manner: the terminal determines a score range within which the credit score of the target user lies, determines a payment limit for the virtual transit card corresponding to the target user based on the determined score range, and allocates a corresponding payment amount to the virtual transit card based on the determined payment limit.

[0120] For example, assuming that the credit score is based on a percentage system, the credit score range is set to include [0,60], [60,80], and [80,100]; among which, the payment limit corresponding to the score range [0,60] is 5 yuan, the payment limit corresponding to the score range [60,80] is 10 yuan, and the payment limit corresponding to the score range [80,100] is 15 yuan; the obtained target user's credit score is 75, and the score range of the credit score is determined to be [60,80]. Accordingly, the payment limit of the virtual bus card corresponding to the target user can be determined to be 10 yuan, and the corresponding payment amount allocated to the virtual bus card is 10 yuan.

[0121] In other embodiments, the creditworthiness is represented by a credit score, and the terminal may allocate a corresponding payment amount to the virtual passenger card in the following manner: the terminal determines the credit level corresponding to the credit score of the target user, determines the payment amount of the virtual passenger card based on the determined credit level and the mapping relationship between the credit level and the payment amount, and then allocates a corresponding payment amount to the virtual passenger card based on the payment amount of the virtual passenger card.

[0122] In some embodiments, after the terminal allocates the corresponding payment amount to the virtual card, the terminal presents corresponding prompt information, which is used to prompt the user to take the bus without recharging the virtual card. Fig.7DAs shown, a prompt message "Credit is granted successfully, no recharge is required, and the fare can be paid by direct deduction after riding" is presented on the view interface; wherein, credit granting means granting a certain credit limit to the user's virtual card in advance based on the user's credit situation, and the user does not need to recharge in advance when using the virtual card. When the fare is lower than the credit limit, the user can directly swipe the virtual card to pay the fare; direct deduction means signing a direct deduction contract with the user in advance and using the agreed account to deduct money. When the user needs to pay the fare after using the virtual card, the user does not need to operate, and the corresponding fare is automatically deducted from the agreed account on behalf of the user.

[0123] In some embodiments, after the terminal allocates the corresponding payment amount to the virtual card, the terminal presents the virtual card including the card number in the view interface, where the card number is used to identify the virtual card, indicating that the virtual card has been successfully activated. Fig. 7E As shown, the terminal presents a successfully activated virtual bus card (i.e., cloud transportation card) in the view interface. The virtual bus card includes a corresponding card number to uniquely identify the virtual bus card and indicate that the virtual bus card has been successfully activated.

[0124] Step 604: In response to the first payment order sent via the near field communication connection, deduct an order amount corresponding to the first payment order from the payment amount.

[0125] In actual application, after the virtual bus card is successfully activated, the user can swipe the card to take the bus based on the virtual bus card. Specifically, the user holds the terminal close to the card swiping device to establish an NFC communication connection between the terminal and the card swiping device. The card swiping device sends a first payment order to the terminal through the near-field communication connection, and the terminal deducts the order amount corresponding to the first payment order from the payment amount corresponding to the virtual bus card.

[0126] In some embodiments, after the terminal deducts the order amount corresponding to the first payment order from the payment amount, the terminal presents the card swiping information and / or payment information corresponding to the virtual bus card through a pop-up window; wherein the card swiping information indicates whether the card swiping is successful or failed, and the payment information indicates the order amount corresponding to the first payment order deducted by the card swiping. Figure 7F After the terminal successfully swipes the card and deducts the order amount corresponding to the first payment order from the payment amount, a pop-up window will be displayed to show the successful swiping of the card and the credit payment of 5 yuan.

[0127] Step 605: Based on the order amount, a second payment order is sent to the payment terminal corresponding to the payment method, so as to deduct the order amount from the payment account of the associated target user based on the second payment order.

[0128] In actual implementation, before the terminal sends the second payment order to the payment end corresponding to the payment method, it is necessary to obtain the second payment order. In some embodiments, the terminal can obtain the second payment order in the following ways: sending a card swiping record of the corresponding virtual passenger card containing the order amount; receiving a returned second payment order generated based on the card swiping record, wherein the payment amount corresponding to the second payment order is the same as the order amount.

[0129] Exemplarily, the virtual bus card client sends a card swiping record of the corresponding virtual bus card including the order amount to the backend server, and receives a second payment order generated based on the card swiping record and returned by the backend server.

[0130] Exemplarily, the mini program sends a card swiping record of a corresponding virtual bus card containing an order amount to the mini program's backend server, and receives a second payment order generated based on the card swiping record returned by the mini program's backend server.

[0131] In some embodiments, when the execution entity is a mini program, the mini program sends a second payment order to the payment end corresponding to the payment method based on the order amount, that is, sends the second payment order to the client running the mini program, so that the client deducts the order amount from the payment account of the associated target user based on the second payment order.

[0132] Correspondingly, when the terminal deducts the order amount from the payment account of the associated target user, a prompt message indicating successful deduction is displayed. Figure 7G , a successful deduction message indicating that the deduction amount is 5 yuan is displayed on the payment result interface of WeChat.

[0133] In some embodiments, after the terminal sends the second payment order to the ride payment terminal corresponding to the payment method, the terminal receives a payment success message corresponding to the payment order; based on the payment success message, the virtual ride card is recharged so that the balance of the virtual ride card is the same as the payment amount. That is to say, after each ride by the user, the corresponding fare is first deducted from the payment amount allocated to the user's virtual ride card based on the user's credit, and then the fare is deducted from the associated payment account. When the deduction is successful, the user's virtual ride card is automatically recharged so that the balance is the same as the initially allocated payment amount, so as to ensure that the user can ride smoothly every time, and the user does not need to recharge the virtual ride card, which greatly facilitates the user's travel.

[0134] In actual applications, there may be a situation where after the user takes a ride, the deduction of the associated user's payment account fails, resulting in the terminal being unable to recharge the user's virtual card, and thus the balance is insufficient. In this case, when the user uses the virtual card to swipe the card to ride, the terminal receives the third payment order sent by the card swiping device through the near-field communication connection, and obtains the balance of the virtual card. When it is determined that the balance is less than the order amount of the third payment order, a prompt message indicating insufficient balance is presented, so that the user can manually complete the deduction of the last ride, so as to realize the terminal's automatic recharge of the virtual card.

[0135] In actual applications, the user's credit rating may change due to increased consumption, changes in contract performance, etc. At this time, the terminal will accordingly adjust the payment amount allocated to the virtual bus card based on the changed user's credit rating; specifically, the terminal obtains the updated credit rating of the target user, and adjusts the payment amount allocated to the virtual bus card based on the updated credit rating of the target user.

[0136] By applying the above-mentioned embodiment of the present invention, a corresponding payment amount is allocated to the user's virtual bus card based on the user's credit. After the user takes the bus, the corresponding bus fare is first deducted from the allocated payment amount, and then the bus fare is deducted from the user's payment account, thereby bringing the user an experience of riding first and paying later. At the same time, since the user does not need to recharge the virtual bus card, the time cost and labor cost required for the user to take the bus are greatly reduced, thereby improving the user's riding experience.

[0137] In some embodiments, after obtaining the second payment order, the terminal may also combine blockchain technology to store the second payment order in the blockchain network. Specifically, the terminal performs hash processing on the second payment order to obtain a summary of the second payment order; the summary of the second payment order is stored in the blockchain network, so that after the payment end obtains the second payment order from the blockchain network, the authenticity of the second payment order received from the terminal is verified. This is explained in detail below.

[0138] After the terminal obtains the second payment order, it generates a transaction for storing the second payment order, and sends the generated transaction to the node of the blockchain network, so that the node stores the second payment order in the blockchain network after reaching a consensus on the transaction; after receiving the second payment order sent by the terminal, the payment end first verifies the authenticity of the received second payment order before deducting the order amount from the payment account of the associated target user, so as to execute the operation of deducting money from the payment account after the verification is passed. Specifically, the payment end generates a transaction for obtaining the second payment order, and sends the generated transaction to the node of the blockchain network, so that the node returns a summary of the second payment order to the payment end after reaching a consensus on the transaction. The payment end hashes the second payment order received from the terminal, and matches the hash result with the summary of the second payment order obtained from the blockchain network. When the match is successful, it is determined that the verification has passed.

[0139] Next, the blockchain network in the embodiment of the present invention is described. Figure 8 The application architecture diagram of the blockchain network provided for the embodiment of the present invention includes a business entity 50, an authentication center 70, and a blockchain network 80 (consensus nodes 81-1 to consensus nodes 81-3 are shown as an example), which are described below respectively.

[0140] The types of blockchain network 80 are flexible and diverse, for example, it can be any one of public chain, private chain or alliance chain. Taking the public chain as an example, any electronic device of any business subject, such as user terminal and server, can access the blockchain network 80 without authorization; taking the alliance chain as an example, after the business subject obtains authorization, its electronic device (such as terminal / server) can access the blockchain network 80, and at this time, it becomes a client node in the blockchain network 80.

[0141] In some embodiments, the client node can only be used as an observer of the blockchain network 80, that is, to provide support for business entities to initiate transactions (for example, for storing data on the chain or querying data on the chain). For the functions of the consensus node 81 (such as consensus node 81-1) of the blockchain network 80, such as sorting function, consensus service and account book function, the client node can implement them by default or selectively (for example, depending on the specific business needs of the business entity). Thus, the data and business processing logic of the business entity can be migrated to the blockchain network 80 to the greatest extent, and the credibility and traceability of the data and business processing process can be achieved through the blockchain network 80.

[0142] The consensus node in the blockchain network 80 receives transactions submitted by client nodes (such as client node 51 belonging to business entity 50) from different business entities (such as business entity 50), executes the transaction to find and return a summary of the second payment order, and various intermediate results or final results of the transaction can be returned to the client node of the business entity for display.

[0143] For example, the client node 51 can subscribe to events of interest in the blockchain network 80, such as transactions occurring in a specific organization / channel in the blockchain network 80, and the consensus node 81 pushes the corresponding transaction notification to the client node 51, thereby triggering the corresponding business logic in the client node 51.

[0144] The exemplary application of blockchain is explained by taking the example of a business entity accessing the blockchain network to obtain the second payment order summary.

[0145] See also Figure 8 The business subject 50 is a payment service platform. It registers with the authentication center 70 to obtain a digital certificate. The digital certificate includes the business subject's public key and the digital signature signed by the authentication center 70 on the business subject's public key and identity information. It is used to attach to the transaction together with the business subject's digital signature for the transaction and is sent to the blockchain network so that the blockchain network can take out the digital certificate and signature from the transaction, verify the reliability of the message (i.e., whether it has not been tampered with) and the identity information of the business subject who sent the message. The blockchain network will verify based on the identity, such as whether it has the authority to initiate a transaction. The client running on the electronic device (such as a terminal or server) under the jurisdiction of the business subject can request access to the blockchain network 80 and become a client node.

[0146] The client node 51 of the business entity 50 is used to generate a transaction for obtaining the second payment order summary stored in the blockchain when receiving the second payment order sent by the terminal. The transaction specifies the smart contract that needs to be called to implement the operation of obtaining the second payment order summary and the parameters passed to the smart contract. The transaction also carries the digital certificate of the client 51, the signed digital signature (for example, the summary of the transaction is encrypted using the private key in the digital certificate of the client 51), and broadcasts the transaction to the consensus node in the blockchain network 80.

[0147] When the consensus node in the blockchain network 80 receives a transaction, it verifies the digital certificate and digital signature carried in the transaction. After successful verification, it confirms whether the business subject 50 has transaction authority based on the identity of the business subject 50 carried in the transaction. Any verification judgment in the digital signature and authority verification will cause the transaction to fail. After successful verification, the node signs its own digital signature (for example, using the private key of node 81-1 to encrypt the summary of the transaction) and continues to broadcast in the blockchain network 80.

[0148] After receiving the successfully verified transaction, the consensus node in the blockchain network 80 fills the transaction into a new block and broadcasts it. When the consensus node in the blockchain network 80 broadcasts a new block, it will perform a consensus process on the new block. If the consensus is successful, the new block will be appended to the end of the blockchain stored by itself, and the state database will be updated according to the result of the transaction, and the transaction in the new block will be executed: For the submitted transaction to obtain the second payment order summary, the key-value pair corresponding to the second payment order summary is queried from the state database, and the transaction result is returned.

[0149] As an example of blockchain, see Fig. 9 , Fig. 9 It is a schematic diagram of the structure of the blockchain in the blockchain network 80 provided in an embodiment of the present invention. The header of each block can include the hash value of all transactions in the block, and also includes the hash value of all transactions in the previous block. The newly generated transaction records are filled into the block and after the consensus of the nodes in the blockchain network, they will be appended to the end of the blockchain to form a chain growth. The chain structure between blocks based on hash values ​​ensures the anti-tampering and anti-counterfeiting of transactions in the block.

[0150] The following describes an exemplary functional architecture of a blockchain network provided by an embodiment of the present invention. Fig.10 , Fig.10 The functional architecture diagram of the blockchain network 80 provided for an embodiment of the present invention includes an application layer 1, a consensus layer 2, a network layer 3, a data layer 4 and a resource layer 5, which are described below respectively.

[0151] The resource layer 5 encapsulates the computing resources, storage resources, and communication resources of each node 81 in the blockchain network 80.

[0152] Data layer 4 encapsulates various data structures that implement the ledger, including blockchain implemented as files in the file system, key-value state databases, and existence proofs (such as hash trees of transactions in blocks).

[0153] Network layer 3 encapsulates the functions of point-to-point (P2P) network protocol, data transmission mechanism and data verification mechanism, access authentication mechanism and business subject identity management.

[0154] Among them, the P2P network protocol realizes the communication between nodes 81 in the blockchain network 80, the data propagation mechanism ensures the propagation of transactions in the blockchain network 80, and the data verification mechanism is used to realize the reliability of data transmission between nodes 81 based on cryptographic methods (such as digital certificates, digital signatures, public / private key pairs); the access authentication mechanism is used to authenticate the identity of the business subject joining the blockchain network 80 according to the actual business scenario, and grant the business subject the right to access the blockchain network 80 when the authentication is passed; the business subject identity management is used to store the identity of the business subject allowed to access the blockchain network 80, and the authority (such as the type of transaction that can be initiated).

[0155] The consensus layer 2 encapsulates the mechanism for nodes 81 in the blockchain network 80 to reach consensus on blocks (i.e., consensus mechanism), transaction management, and account management functions. The consensus mechanism includes consensus algorithms such as POS, POW, and DPOS, and supports pluggable consensus algorithms.

[0156] Transaction management is used to verify the digital signature carried in the transaction received by node 81, verify the identity information of the business subject, and determine whether it has the authority to conduct transactions based on the identity information (read relevant information from the business subject identity management); for business subjects who have obtained authorization to access the blockchain network 80, they all have digital certificates issued by the certification center. The business subject uses the private key in its own digital certificate to sign the submitted transaction, thereby declaring its legal identity.

[0157] Ledger management is used to maintain the blockchain and state database. For the blocks that have reached consensus, they are appended to the end of the blockchain; the transactions in the blocks that have reached consensus are executed, and when the transaction includes an update operation, the key-value pairs in the state database are updated; when the transaction includes a query operation, the key-value pairs in the state database are queried and the query results are returned to the client node of the business subject. Supports query operations on the state database in multiple dimensions, including: querying blocks based on block serial numbers (such as transaction hash values); querying blocks based on block hash values; querying blocks based on transaction serial numbers; querying transactions based on transaction serial numbers; querying business subject account data based on business subject account numbers (serial numbers); querying blockchains in channels based on channel names.

[0158] Application layer 1 encapsulates various services that can be implemented in the blockchain network, including transaction traceability, evidence storage, and verification.

[0159] Next, taking the operation of the bus card applet in the instant messaging client to realize the activation and use of the bus card as an example, the credit-based bus payment method provided by the embodiment of the present invention will be further described. Figure 8 A flow chart of a method for opening a virtual bus card provided in an embodiment of the present invention is shown in FIG. Fig.11 The method for opening a virtual bus card provided by an embodiment of the present invention includes:

[0160] Step 701: The instant messaging client runs the bus card applet.

[0161] Here, in actual implementation, the terminal has NFC function, and an instant messaging client (such as WeChat client) is set on the terminal. Through the mini-program search function provided by the instant messaging client, the bus card mini-program is searched, and the bus card mini-program can be run after downloading its source code.

[0162] Step 702: In response to the activation instruction for the virtual card, the transit card applet presents a payment authorization button for authorizing the payment method corresponding to the virtual card.

[0163] In actual application, on the mini program page, that is, the activation interface of the virtual bus card, one or more virtual bus cards are presented for the user to choose. The user selects the virtual bus card he wants to activate and triggers the activation instruction for the virtual bus card by clicking on the displayed virtual bus card. The bus card mini program responds to the activation instruction triggered by the user and presents a payment authorization interface. On the payment authorization interface, a payment authorization button is presented for authorizing the payment method corresponding to the virtual bus card.

[0164] In actual implementation, the bus card applet also presents a determination function item for determining the payment method in the payment authorization interface, so as to associate the virtual bus card with the instant messaging client based on the determination function item.

[0165] Step 703: The bus card applet responds to the authorization instruction triggered by the payment authorization button and sends a credit acquisition request of the target user to the instant messaging client.

[0166] Step 704: The instant messaging client returns the target user's credit score to the bus card applet.

[0167] Step 705: The transit card applet determines the payment limit of the virtual transit card based on the target user's credit score.

[0168] In actual implementation, creditworthiness is represented by credit scores. The bus card applet can determine the payment limit of the virtual bus card in the following ways:

[0169] The transit card applet determines the score range of the target user's credit score, and based on the determined score range, determines the payment limit of the corresponding target user's virtual transit card.

[0170] Step 706: The transit card applet allocates a corresponding payment amount to the virtual transit card based on the determined payment limit.

[0171] Step 707: The bus card applet receives the first payment order through a near field communication connection with the card swiping device, and deducts the order amount corresponding to the first payment order from the payment amount.

[0172] Step 708: The transit card applet presents the card swiping information and / or payment information corresponding to the virtual transit card through a pop-up window.

[0173] Here, the card swiping information is used to indicate whether the card swiping is successful or failed, and the payment information is used to indicate the order amount corresponding to the first payment order deducted by the current card swiping.

[0174] Step 709: The bus card applet generates and sends a second payment order to the instant messaging client based on the order amount of the first payment order.

[0175] Here, the payment amount corresponding to the second payment order is the same as the order amount.

[0176] Step 710: The instant messaging client deducts the order amount from the payment account of the associated target user.

[0177] Step 711: The instant messaging client sends a message indicating that the second payment order has been successfully paid to the bus card applet.

[0178] Step 712: The transit card applet recharges the virtual transit card.

[0179] In actual implementation, after the bus card applet receives the message that the second payment order is successfully paid, it automatically recharges the virtual bus card so that the balance of the virtual bus card is the same as the determined payment amount.

[0180] Continuing with the example of running the bus card applet in the instant messaging client to activate and use the bus card, the credit-based bus payment method provided by the embodiment of the present invention will be described.

[0181] Fig. 12A and Fig. 12B A schematic diagram of a process for opening a virtual bus card provided in an embodiment of the present invention, combined with Fig. 12A and Fig. 12B The process of activating a virtual bus card provided in an embodiment of the present invention is described.

[0182] Step 801: The instant messaging client runs the bus card applet.

[0183] Here, in actual implementation, the instant messaging client (such as the WeChat client) needs to download the mini program when running the bus card mini program for the first time, that is, obtain the source code of the bus card mini program, and then the instant messaging client loads the bus card mini program page by interpreting the code of the bus card mini program. In the subsequent use of the bus card mini program, there is no need to download it again and it can be run directly.

[0184] Step 802: The bus card applet detects whether the terminal has NFC function.

[0185] Here, in actual implementation, the bus card applet can detect the NFC function of the terminal by detecting the NFC function interface.

[0186] Step 803: The user applies for activation of the all-in-one card.

[0187] Here, the One Card is a virtual bus card. Multiple available One Cards can be presented on the bus card mini-program page. Users can trigger the activation instruction for the One Card by clicking on the selected One Card.

[0188] Step 804: The bus card applet sends a signed password-free payment request to the instant messaging client.

[0189] In actual implementation, when the user triggers the activation instruction for the card, the mini program will jump to the "Activate password-free payment" interface (i.e. the payment authorization interface in the aforementioned embodiment). When the user clicks the "Activate password-free payment" button presented in the interface, the bus card mini program will be triggered to send a signed password-free payment request to the instant messaging client.

[0190] Step 805: The instant messaging client returns a successful contract signing message to the bus card applet.

[0191] Here, when the instant messaging client receives the signed password-free payment request sent by the bus card applet, it associates the corresponding card with the selected deduction method to deduct the fare after the user takes the bus.

[0192] Step 806: The bus card applet displays a message indicating successful signing.

[0193] When the bus card applet receives the successful signing message returned by the instant messaging client, the successful signing message will be presented to the user accordingly.

[0194] Step 807: The bus card applet queries the user information and grants credit.

[0195] Specifically, the bus card applet obtains user information from the instant messaging client, such as the user's credit score, and then allocates a corresponding payment amount to the user's one-card pass based on the user's credit score. In actual application, the higher the user's credit score, the higher the corresponding payment amount of the allocated one-card pass.

[0196] Step 808: The bus card mini program is successfully authorized and the card activation success message is displayed.

[0197] In actual implementation, the bus card mini program allocates the corresponding payment amount to the user's card, and then displays the information of successful credit approval and successful card activation to the user respectively.

[0198] Fig.13A and Fig. 13B A schematic diagram of a process for using a virtual bus card provided by an embodiment of the present invention, combined with Fig.13A and Fig. 13B The process of using the virtual bus card provided in the embodiment of the present invention is described.

[0199] Step 901: The ICP Cloud Server recharges the ICP in advance.

[0200] Here, after the user's one-card pass is successfully granted credit, the user's one-card pass is automatically recharged based on the user's creditworthiness (such as credit score), that is, the user's one-card pass is allocated a corresponding payment amount.

[0201] Step 902: Enter the one-card mini program.

[0202] In actual application, when a user needs to use a successfully activated one-card pass to pay for a ride, the user triggers the instant messaging client to run the one-card pass applet.

[0203] Step 903: The One Card Mini Program detects whether the terminal has NFC function.

[0204] Here, in actual implementation, the bus card applet can detect the NFC function of the terminal by detecting the NFC function interface.

[0205] Step 904: The user triggers a request for card data.

[0206] Here, in actual implementation, the user triggers a request for the one-card data by clicking on the presented one-card.

[0207] Step 905: The Yikatong applet requests Yikatong data from the Yikatong cloud server.

[0208] Step 906: The Yikatong cloud server sends the Yikatong data to the Yikatong applet.

[0209] Step 907: The One Card applet presents the One Card data to the user.

[0210] Step 908: The gate sends a deduction success message to the Yikatong mini program.

[0211] When the user's mobile phone is placed close to the card swiping sensor of the gate, the gate will deduct the fare from the One Card through the NFC connection with the One Card mini program.

[0212] Step 909: The One Card App displays a pop-up window indicating “Card swiping successful”.

[0213] In actual implementation, after the deduction of the One Card is successful, the balance of the One Card will be deducted accordingly.

[0214] Step 910: The One Card app generates a recharge order.

[0215] In actual implementation, the Yikatong mini program generates a corresponding recharge order based on the successful deduction message transmitted by the gate machine.

[0216] Step 911: The One Card app sends a recharge order to the instant messaging client.

[0217] Step 912: The instant messaging client initiates the deduction.

[0218] In actual implementation, after receiving the recharge order sent by the Yikatong applet, the instant messaging client deducts the corresponding fare from the associated user's account.

[0219] Step 913: The instant messaging client sends a payment success message to the One Card app.

[0220] Step 914: The One Card Mini Program presents a payment success message to the user.

[0221] Step 915: The Yikatong applet sends the recharge success order to the Yikatong cloud server.

[0222] Step 916: The ICP Cloud Server recharges the ICP.

[0223] The following describes the credit-based ride payment device provided in the embodiment of the present invention. Fig.14 A schematic diagram of the structure of a credit-based ride payment device provided in an embodiment of the present invention, see Fig.14 The credit-based ride payment device 455 provided in the embodiment of the present invention includes:

[0224] Display module 4551, for presenting a payment authorization button for authorizing a payment method corresponding to the virtual travel card in response to an activation instruction for the virtual travel card;

[0225] An acquisition module 4552 is used to acquire the credit of the target user associated with the virtual travel card in response to the authorization instruction triggered by the payment authorization button;

[0226] An allocating module 4553, configured to allocate a corresponding payment amount to the virtual bus card based on the credit rating of the target user;

[0227] a payment module 4554, configured to, in response to a first payment order sent via the near field communication connection, deduct an order amount corresponding to the first payment order from the payment amount;

[0228] The sending module 4555 is used to send a second payment order to the payment terminal corresponding to the payment method based on the order amount, so as to deduct the order amount from the payment account of the associated target user based on the second payment order.

[0229] In some embodiments, the apparatus further comprises an association module;

[0230] The display module is further used to present a payment rule corresponding to the payment method and a determination function item for determining the payment method;

[0231] The association module is used to associate the virtual travel card with the payment terminal corresponding to the payment method in response to an operation instruction for the determined function item triggered according to the payment rule.

[0232] In some embodiments, the acquisition module is further used to send a credit acquisition request corresponding to the target user;

[0233] A returned credit score representing the creditworthiness of the target user is received.

[0234] In some embodiments, the acquisition module is further used to send the credit acquisition request to the parent application running the sub-application through the sub-application.

[0235] In some embodiments, the allocation module is further used to determine the payment limit of the virtual travel card based on the credit rating of the target user and the mapping relationship between the credit rating and the payment limit;

[0236] Based on the payment limit of the virtual travel card, a corresponding payment amount is allocated to the virtual travel card.

[0237] In some embodiments, the display module is also used to present the virtual bus card including the bus card number in the view interface, and the bus card number is used to identify the virtual bus card, indicating that the virtual bus card has been successfully activated.

[0238] In some embodiments, the display module is also used to present the card swiping information and / or payment information corresponding to the virtual bus card through a pop-up window.

[0239] In some embodiments, the acquisition module is further used to send a card swiping record corresponding to the virtual bus card including the order amount;

[0240] The second payment order generated based on the card swiping record is received and returned, and the payment amount corresponding to the second payment order is the same as the order amount.

[0241] In some embodiments, the apparatus further comprises:

[0242] A recharge module, used for receiving a payment success message corresponding to the second payment order;

[0243] Based on the payment success message, the virtual travel card is recharged so that the balance of the virtual travel card is the same as the payment amount.

[0244] In some embodiments, the payment module is further used to obtain the balance of the virtual travel card in response to a third payment order sent via the near field communication connection;

[0245] The display module is further used to present a prompt message indicating insufficient balance when the balance is less than the order amount of the third payment order.

[0246] In some embodiments, the acquisition module is further used to acquire the updated credit rating of the target user;

[0247] The allocation module is further used to adjust the payment amount allocated to the virtual travel card based on the updated credit rating of the target user.

[0248] In some embodiments, the device further comprises a detection module;

[0249] The detection module is used to detect the near field communication interface and obtain a detection result;

[0250] The display module is also used to present a payment authorization button for authorizing a payment method corresponding to the virtual bus card when the detection result indicates that a near field communication interface is detected.

[0251] It should be pointed out here that the description of the above device is similar to the description of the above method, and the description of the beneficial effects of the same method will not be repeated. For technical details not disclosed in the device described in the embodiment of the present invention, please refer to the description of the embodiment of the method of the present invention.

[0252] An embodiment of the present invention further provides an electronic device, the electronic device comprising:

[0253] A memory for storing executable programs;

[0254] The processor is used to implement the above-mentioned credit-based ride payment method provided by the embodiment of the present invention when executing the executable program stored in the memory.

[0255] An embodiment of the present invention further provides a storage medium storing executable instructions, wherein the executable instructions are stored. When the executable instructions are executed by a processor, the processor will be caused to execute the credit-based ride payment method provided by an embodiment of the present invention.

[0256] All or part of the steps of the embodiment can be completed by hardware related to program instructions. The aforementioned program can be stored in a computer-readable storage medium. When the program is executed, it executes the steps of the above-mentioned method embodiment; and the aforementioned storage medium includes: mobile storage devices, random access memory (RAM), read-only memory (ROM), magnetic disk or optical disk, etc. Various media that can store program codes.

[0257] Alternatively, if the above-mentioned integrated unit of the present invention is implemented in the form of a software function module and sold or used as an independent product, it can also be stored in a computer-readable storage medium. Based on this understanding, the technical solution of the embodiment of the present invention can be essentially or partly reflected in the form of a software product that contributes to the relevant technology. The computer software product is stored in a storage medium, including several instructions for a computer device (which can be a personal computer, a server, or a network device, etc.) to execute all or part of the methods described in each embodiment of the present invention. The aforementioned storage medium includes: various media that can store program codes, such as mobile storage devices, RAM, ROM, magnetic disks or optical disks.

[0258] The above is only a specific embodiment of the present invention, but the protection scope of the present invention is not limited thereto. Any person skilled in the art can easily think of changes or substitutions within the technical scope disclosed by the present invention, which should be included in the protection scope of the present invention. Therefore, the protection scope of the present invention should be based on the protection scope of the claims.

Claims

1. A credit-based ride payment method, characterized in that: Applied to a mobile terminal, the method comprises: In response to an activation instruction for a virtual travel card, presenting a payment authorization button for authorizing a payment method corresponding to the virtual travel card; In response to an authorization instruction triggered by the payment authorization button, obtaining the credit of a target user associated with the virtual travel card; Allocating a corresponding payment amount to the virtual travel card based on the credit rating of the target user; In response to a first payment order sent through the near field communication connection, deducting an order amount corresponding to the first payment order from the payment amount; Based on the order amount, a card swiping record of a corresponding virtual bus card including the order amount is sent; a second payment order generated based on the card swiping record is received and returned, wherein the payment amount corresponding to the second payment order is the same as the order amount, and the second payment order is hashed to obtain a summary of the second payment order; the summary of the second payment order is stored in the blockchain network, a transaction for storing the second payment order is generated, and the generated transaction is sent to the nodes of the blockchain network, so that the nodes store the second payment order in the blockchain network after reaching a consensus on the transaction, and the second payment order is sent to the payment end corresponding to the payment method. After receiving the second payment order sent by the terminal, the payment end generates a transaction for obtaining the second payment order, and specifies in the transaction the method for realizing the second payment The operation of obtaining the order summary requires calling the smart contract and the parameters passed to the smart contract, and also carries the client's digital certificate and the signed digital signature. The generated transaction is sent to the node of the blockchain network, so that the node returns the summary of the second payment order to the payment end after reaching a consensus on the transaction. The payment end hashes the second payment order received from the terminal and matches the hash result with the summary of the second payment order obtained from the blockchain network. When the match is successful, it is determined that the verification is passed, so as to deduct the order amount from the payment account of the associated target user based on the second payment order, receive a payment success message of the corresponding payment order, and recharge the virtual bus card based on the payment success message so that the balance of the virtual bus card is the same as the payment amount.

2. The method according to claim 1, characterized in that The method further comprises: Presenting a payment rule corresponding to the payment method and a determination function item for determining the payment method; In response to an operation instruction for the determined function item triggered according to the payment rule, the virtual travel card is associated with a payment terminal corresponding to the payment method.

3. The method according to claim 1, characterized in that The step of obtaining the credit rating of the target user associated with the virtual bus card includes: Sending a credit acquisition request corresponding to the target user; A returned credit score representing the creditworthiness of the target user is received.

4. The method according to claim 3, characterized in that The sending of the credit acquisition request corresponding to the target user includes: The credit acquisition request is sent through the sub-application to the parent application that runs the sub-application.

5. The method according to claim 1, characterized in that The allocating a corresponding payment amount to the virtual bus card based on the credit rating of the target user includes: Determining the payment limit of the virtual travel card based on the credit rating of the target user and the mapping relationship between the credit rating and the payment limit; Based on the payment limit of the virtual travel card, a corresponding payment amount is allocated to the virtual travel card.

6. The method according to claim 1, characterized in that After allocating the corresponding payment amount to the virtual travel card, the method further includes: The virtual bus card including the bus card number is presented in the view interface, and the bus card number is used to identify the virtual bus card, indicating that the virtual bus card has been successfully activated.

7. The method according to claim 1, characterized in that After deducting the order amount corresponding to the first payment order from the payment amount, the method further includes: The card swiping information and / or payment information corresponding to the virtual bus card is presented through a pop-up window.

8. The method according to claim 1, characterized in that: The sending of the card swiping record corresponding to the virtual bus card including the order amount, and the receiving of the second payment order generated based on the card swiping record includes: The mini program sends the card swiping record of the corresponding virtual bus card containing the order amount to the mini program's backend server, and receives a second payment order generated based on the card swiping record returned by the mini program's backend server.

9. The method according to claim 1, characterized in that: The method further comprises: When a consensus node in a blockchain network receives a transaction, it verifies the digital certificate and digital signature carried in the transaction. After successful verification, it confirms whether the business subject has transaction authority based on the identity of the business subject carried in the transaction. Failure of any verification judgment in the digital signature and authority verification will result in transaction failure. After successful verification, the node signs its own digital signature and continues to broadcast in the blockchain network.

10. The method according to claim 1, characterized in that The method further comprises: In response to a third payment order sent through the near field communication connection, obtaining a balance of the virtual travel card; When the balance is less than the order amount of the third payment order, a prompt message indicating that the balance is insufficient is presented.

11. The method according to claim 1, characterized in that The method further comprises: Obtaining an updated credit rating of the target user; Based on the updated credit rating of the target user, the payment amount allocated to the virtual transit card is adjusted.

12. A credit-based ride payment device, characterized in that: Applied to a mobile terminal, the device comprises: A display module, for responding to an activation instruction for a virtual travel card, presenting a payment authorization button for authorizing a payment method corresponding to the virtual travel card; an acquisition module, configured to acquire the credit of a target user associated with the virtual bus card in response to an authorization instruction triggered by the payment authorization button; An allocating module, configured to allocate a corresponding payment amount to the virtual bus card based on the credit rating of the target user; a payment module, configured to, in response to a first payment order sent via a near field communication connection, deduct an order amount corresponding to the first payment order from the payment amount; A sending module is used to send a card swiping record of a corresponding virtual bus card containing the order amount based on the order amount; receive a second payment order generated based on the card swiping record, wherein the payment amount corresponding to the second payment order is the same as the order amount, perform hash processing on the second payment order, and obtain a summary of the second payment order; store the summary of the second payment order in the blockchain network, generate a transaction for storing the second payment order, and send the generated transaction to the nodes of the blockchain network, so that the nodes store the second payment order in the blockchain network after reaching a consensus on the transaction, and send the second payment order to the payment end corresponding to the payment method. After receiving the second payment order sent by the terminal, the payment end generates a transaction for obtaining the second payment order, and specifies the implementation method in the transaction. The operation of obtaining the summary of the second payment order requires calling the smart contract, as well as the parameters passed to the smart contract, and also carries the client's digital certificate and the signed digital signature. The generated transaction is sent to the node of the blockchain network, so that the node returns the summary of the second payment order to the payment end after reaching a consensus on the transaction. The payment end hashes the second payment order received from the terminal, and matches the hash result with the summary of the second payment order obtained from the blockchain network. When the match is successful, it is determined that the verification is passed, so as to deduct the order amount from the payment account of the associated target user based on the second payment order, receive a payment success message of the corresponding payment order, and recharge the virtual bus card based on the payment success message so that the balance of the virtual bus card is the same as the payment amount.

13. An electronic device, characterized in that: The electronic device comprises: A memory for storing executable programs; A processor, configured to implement the credit-based ride payment method as described in any one of claims 1 to 11 when executing the executable program stored in the memory.

14. A storage medium, characterized in that: An executable program is stored, and when the executable program is executed by a processor, the credit-based ride payment method as described in any one of claims 1 to 11 is implemented.

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