A vehicle-mounted POS terminal payment method and system supporting digital RMB

Abstract

The present invention relates to the technical field of electronic payment for buses, and provides a vehicle-mounted POS terminal payment method and system supporting digital RMB, wherein the system comprises: a digital RMB vehicle-mounted POS terminal, a digital RMB hardware wallet, a digital RMB wallet business system and a vehicle-mounted machine; the digital RMB hardware wallet, the digital RMB wallet business system and the vehicle-mounted machine are respectively connected to the digital RMB vehicle-mounted POS terminal. The digital RMB vehicle-mounted POS terminal comprises: a radio frequency module, a communication module, an MCU unit, an Android unit, a security authentication module and a peripheral module. The present invention achieves the goal of digital RMB entering the field of public transportation by adopting a digital RMB vehicle-mounted POS terminal with a secondary structure of an MCU layer and an Android layer, opens up the key link of the acceptance method of using digital RMB in public transportation, and achieves the actual effect of using a digital RMB hardware wallet to swipe the card to take the bus.

Description

Technical Field

[0001] The present invention relates to the field of electronic payment technology for buses, and in particular to a vehicle-mounted POS terminal payment method and system supporting digital RMB. Background Art

[0002] The digital RMB is issued by the People's Bank of China. It is a legal tender with national credit endorsement and legal compensation. Compared with ordinary virtual currencies, the digital RMB has the characteristics of sovereign credit guarantee and stable value. In addition, the digital RMB supports dual offline payment, point-to-point delivery, and has the characteristics of higher security, multiple terminal options, multiple information strength, and high traceability. The digital RMB can effectively avoid the shortcomings of high printing and issuance costs, inconvenience in carrying, easy anonymity, and counterfeiting of banknotes and coins. It greatly meets people's normal anonymous payment needs such as small payments, greatly saves the various costs required for coinage, and reduces the possibility of spreading viruses in currency transactions.

[0003] The "dual offline" payment of digital RMB means that during the transaction of digital RMB, the terminals of both the payee and the payee are "offline" and can still complete the payment. It can meet the payment needs in special environments such as basements, parking lots, mountainous areas and even geographical disasters. At present, the dual offline payment of digital RMB is realized by NFC technology, which requires the devices of both the payee and the payee to have the hardware wallet function of a built-in security chip. The core of dual offline payment refers to a process of completing a business when both the medium and the acceptance terminal are offline. The most typical example is payment business and identity verification. For payment business, it completes the closed-loop transaction process by postponing the payment after the transaction is completed. The core is a technical solution that realizes fast identity verification and payment. Its business mechanism has two core points. One is that there are two characteristics on the business mechanism, including identity verification and payment; the other is that there is a trust mechanism between the terminal and the medium. There are three dimensions in terms of transaction security mechanism: (1) one is the risk control limit, which is the transaction limit after dual offline; (2) the second is that there will be a mechanism for advance payment and recovery; (3) the third is the credit system.

[0004] Composite application consumption transaction is a transaction process that combines dual offline transaction with public transportation system process information. The composite application consumption transaction process is essentially a dual offline transaction. The difference is that the terminal first reads the content value of the public transportation system process information control file at the beginning of the transaction, and determines whether the user card is in entry transaction or exit transaction mode. According to different transaction modes, the content value of the public transportation system process information control file on the user card is modified and set, and then the deduction process of the dual offline transaction is completed.

[0005] Currently, most buses only support mobile electronic payment methods such as Alipay and WeChat. The disadvantage is that the bus IC card is anonymous and cannot be retrieved if lost, and needs to be recharged at a recharge outlet. Mobile QR code electronic payment methods require the mobile terminal to be online, and do not support digital RMB bus ride composite application consumption transaction scenarios, and cannot achieve dual offline transactions. Summary of the invention

[0006] The present invention mainly solves the problem that the existing mobile QR code electronic payment method requires the mobile network to be online, does not support the digital RMB public transportation composite application consumption transaction scenario, and cannot realize dual offline transaction technology problems. This invention proposes a vehicle-mounted POS terminal payment method and system that supports digital RMB, so as to achieve the goal of digital RMB entering the public transportation field, open up the key links of the acceptance method of digital RMB in public transportation, and achieve the actual effect of using a digital RMB hardware wallet to swipe the card to take the bus.

[0007] The present invention provides a vehicle-mounted POS terminal payment system supporting digital RMB, including: a digital RMB vehicle-mounted POS terminal, a digital RMB hardware wallet, a digital RMB wallet business system and a vehicle-mounted machine; the digital RMB hardware wallet, the digital RMB wallet business system and the vehicle-mounted machine are respectively connected to the digital RMB vehicle-mounted POS terminal; the digital RMB vehicle-mounted POS terminal is used to establish a connection with the digital RMB hardware wallet, and send a composite application consumption initialization command to the digital RMB hardware wallet, obtain user card information and public transportation system process information control file of the digital RMB hardware wallet; obtain user public transportation business information from the digital RMB wallet business system, and combine the user card information to determine whether the digital RMB hardware wallet has an unclosed-loop composite application transaction. If not, it is an entry transaction mode, enters the boarding instruction process, and only performs a public transportation system process information control file once with the digital RMB hardware wallet. The update interaction of the bus system process information control file is performed, and no dual offline transaction is performed; if it exists, it is the exit transaction mode, entering the get-off instruction process or the ticket supplement instruction process, and performing dual offline transactions with the digital RMB hardware wallet, and at the same time, updating and interacting with the bus system process information control file. After the dual offline transaction is completed, a transaction record is generated; the digital RMB hardware wallet is used to connect to the digital RMB on-board POS terminal and provide user card information; in the entry transaction mode, updating and interacting with the bus system process information control file is performed with the digital RMB on-board POS terminal; in the exit transaction mode, dual offline transactions are performed with the digital RMB on-board POS terminal, and updating and interacting with the bus system process information control file is performed; the digital RMB wallet business system is used to provide the digital RMB on-board POS terminal with user bus business information; the on-board machine is used to provide the digital RMB on-board POS terminal with vehicle up and down information and current site information.

[0008] Furthermore, the digital RMB vehicle-mounted POS terminal includes: a radio frequency module, a communication module, an MCU unit, an Android unit, a security authentication module and a peripheral module; the radio frequency module and the communication module are connected to the MCU unit and are controlled by the MCU unit; the security authentication module and the peripheral module are connected to the Android unit and are controlled by the Android unit; the MCU unit is connected to the Android unit; the radio frequency module is connected to the digital RMB hardware wallet; the Android unit is connected to the vehicle-mounted machine and the digital RMB wallet business system through the communication module.

[0009] A vehicle-mounted POS terminal payment method supporting digital RMB based on a vehicle-mounted POS terminal payment system supporting digital RMB, comprising:

[0010] System initialization; the system initialization includes: loading rate information, transaction information and line information, self-checking to obtain card information, vehicle-mounted device information and vehicle information, and starting radio frequency card search polling;

[0011] After the digital RMB hardware wallet enters the radio frequency range of the digital RMB vehicle-mounted POS terminal, the two establish a connection;

[0012] The digital RMB vehicle-mounted POS terminal sends a composite application consumption initialization command to the digital RMB hardware wallet to obtain the user card information and public transportation system process information control file of the digital RMB hardware wallet;

[0013] The digital RMB vehicle-mounted POS terminal determines whether the digital RMB hardware wallet has an unclosed-loop composite application transaction based on the user's public transportation business information obtained from the digital RMB wallet business system and the user card information;

[0014] If it does not exist, it is the entry transaction mode, and the boarding instruction process is entered. The digital RMB vehicle-mounted POS terminal and the digital RMB hardware wallet only perform one update interaction of the public transportation system process information control file, and no dual offline transaction is performed;

[0015] If it exists, it is the exit transaction mode, entering the get-off instruction process or the ticket supplement instruction process; the digital RMB on-board POS terminal and the digital RMB hardware wallet conduct dual offline transactions, and simultaneously update the public transportation system process information control file. After the dual offline transactions are completed, the digital RMB on-board POS terminal generates a transaction record.

[0016] Furthermore, the digital RMB vehicle-mounted POS terminal includes: a radio frequency module, a communication module, an MCU unit, an Android unit, a security authentication module and a peripheral module; the system is initialized after the system is turned on, and the system initialization includes: loading rate information, transaction information, and line information, and the device self-checks to obtain PSAM card, SIM card, vehicle-mounted machine serial number, vehicle number, rate card, interoperable city whitelist, driver card information, and starts radio frequency card search polling; after the radio frequency module finds the card, the hardware ID information of the digital RMB hardware wallet is sent to the MCU unit, and the MCU unit sends an APDU instruction for selecting the digital RMB card application to the digital RMB hardware wallet, and the MCU unit determines whether it is a digital RMB card based on the returned information; if it is a digital RMB card, the MCU unit sends a composite application consumption initialization instruction to obtain the available balance, secret key version, user card random number, and public transportation system process information control of the digital RMB hardware wallet. system file; the MCU unit determines whether the digital RMB hardware wallet has an unclosed-loop composite application transaction based on the whitelist, blacklist, route and station information obtained from the Android unit and the bus system process information control file data; if not, it is an entry transaction mode, that is, entering the boarding instruction process, otherwise, it is an exit transaction mode, that is, entering the disembarkation instruction mode or the ticket supplement instruction process; in the entry transaction mode, the MCU unit performs an update interaction of the bus system process information control file between the digital RMB hardware wallet and the security authentication module through the radio frequency module and the ISO7816 protocol interface, and does not perform dual offline transactions; in the exit transaction mode, the digital RMB hardware wallet and the security authentication module perform dual offline transactions through the MCU unit, and at the same time perform update interactions of the bus system process information control file; the MCU unit sends the transaction record of this transaction to the Android unit.

[0017] Furthermore, during the composite application consumption transaction process, the Android unit drives the peripheral module to display and broadcast corresponding information according to the situation of the composite application consumption transaction; the vehicle-mounted machine sends the vehicle uplink and downlink information and the current site information to the Android unit through the communication module; the Android unit regularly accesses the digital RMB business system through the communication module, and withdraws and synchronizes the ticket money received in the security authentication module through the MCU unit.

[0018] Furthermore, the boarding instruction process includes: after the MCU unit determines that there is no unclosed-loop composite application transaction, it sends an APDU command to the security authentication module; the APDU command includes: user card random number, key version, composite application consumption file record; the security authentication module returns the terminal transaction serial number, terminal number and MAC1 value; the MAC1 value is obtained by calculating the public transportation system process information control file data using a temporary key; the MCU unit composes an APDU instruction with the terminal transaction serial number, terminal number, public transportation system process information control file and MAC1 value and sends it to the digital RMB hardware wallet, and the digital RMB hardware wallet internally updates the public transportation system process information control file.

[0019] Furthermore, the get-off instruction process includes: the MCU unit obtains the deduction amount of this transaction from the Android unit, and then sends an offline payment initialization instruction to the digital RMB hardware wallet to start the offline payment process; the offline payment initialization instruction includes: transaction amount, transaction time information and the digital RMB hardware wallet returns offline payment initialization response data to the MCU unit; the MCU unit sends the offline payment initialization instruction to the security authentication module, and the security authentication module returns the offline payment initialization response data to the MCU unit; the offline payment initialization instruction includes: transaction type, terminal capability and offline payment initialization of the digital RMB hardware wallet. response data; the MCU unit assembles the offline payment initialization response data into an offline payment instruction and sends it to the digital RMB hardware wallet, and the digital RMB hardware wallet returns the offline payment response data; the MCU unit composites the application consumption record and the offline payment response data into an offline payment command and sends it to the security authentication module; the security authentication module returns the offline payment response data, MAC2, terminal number, and terminal transaction number to the MCU unit; the MCU unit assembles the offline payment response data, MAC2, terminal number, terminal transaction number, and bus system process information control file data into an offline payment completion instruction and sends it to the digital RMB hardware wallet.

[0020] Furthermore, the ticket replenishment instruction process includes: when the MCU unit determines that there is an unclosed-loop composite application transaction in the digital RMB hardware wallet, if the unclosed-loop composite application transaction is a situation where the user did not swipe the card when getting off the bus during the last ride, the MCU unit obtains the fine amount that should be executed on the digital RMB hardware wallet from the Android unit, and executes the get-off command process according to the fine amount, and then executes the get-on command process to complete the ticket replenishment.

[0021] Furthermore, the peripheral module is driven by the Android unit and includes: an LCD display, a keyboard, and a speaker; the LCD display is used to display site information, route information, fare information, device status information, time and date, and information prompts when swiping the card when getting on and off the bus; the keyboard is used for route file switching, manual site switching, and terminal information query; the speaker is used to voice broadcast the card swiping information when getting on and off the bus.

[0022] Furthermore, the digital RMB wallet business system supports the opening, recharge, withdrawal, synchronization and firmware upgrade of the digital RMB hardware wallet.

[0023] The present invention provides a vehicle-mounted POS terminal payment method and system that supports digital RMB. By adopting a digital RMB vehicle-mounted POS terminal with a secondary structure of MCU layer and Android layer, it achieves the goal of digital RMB entering the public transportation field, opens up the key link of the acceptance method of digital RMB use in public transportation, and achieves the actual effect of using a digital RMB hardware wallet to swipe the card to take the bus. BRIEF DESCRIPTION OF THE DRAWINGS

[0024] Figure 1 It is a structural schematic diagram of the vehicle-mounted POS terminal payment system supporting digital RMB of the present invention;

[0025] Figure 2 It is a flow chart of the vehicle-mounted POS terminal payment method supporting digital RMB of the present invention;

[0026] Figure 3 It is a composite application consumption transaction flow chart in the present invention;

[0027] Figure 4 It is a flow chart of boarding instruction in the present invention;

[0028] Figure 5 It is a flow chart of the get-off instruction in the present invention;

[0029] Figure 6 is a flow chart of the ticket supplement instruction in the present invention;

[0030] Figure 7 It is a flow chart of instructions for the cash withdrawal function in an embodiment of the present invention. DETAILED DESCRIPTION

[0031] In order to make the technical problems solved by the present invention, the technical solutions adopted and the technical effects achieved clearer, the present invention is further described in detail below in conjunction with the accompanying drawings and embodiments. It is understood that the specific embodiments described herein are only used to explain the present invention, rather than to limit the present invention. It should also be noted that, for the convenience of description, only the parts related to the present invention are shown in the accompanying drawings, rather than all the contents.

[0032] like Figure 1 As shown, an embodiment of the present invention provides a vehicle-mounted POS terminal payment system that supports digital RMB, including: a digital RMB vehicle-mounted POS terminal, a digital RMB hardware wallet, a digital RMB wallet business system and a vehicle-mounted machine; the digital RMB hardware wallet, the digital RMB wallet business system and the vehicle-mounted machine are respectively connected to the digital RMB vehicle-mounted POS terminal; the digital RMB vehicle-mounted POS terminal is used to establish a connection with the digital RMB hardware wallet, and send a composite application consumption initialization command to the digital RMB hardware wallet, obtain the user card information and the public transportation system process information control file of the digital RMB hardware wallet; obtain the user's public transportation business information from the digital RMB wallet business system, and combine the user card information to determine whether the digital RMB hardware wallet has an unclosed-loop composite application transaction. If not, it is an entry transaction mode, and enters the boarding instruction process, and only performs the public transportation system process information once with the digital RMB hardware wallet. The update interaction of the control file does not perform dual offline transactions; if it exists, it is the exit transaction mode, entering the get-off instruction process or the ticket supplement instruction process, and performing dual offline transactions with the digital RMB hardware wallet. At the same time, the update interaction of the public transportation system process information control file is performed. After the dual offline transaction is completed, a transaction record is generated; the digital RMB hardware wallet is used to connect to the digital RMB on-board POS terminal and provide user card information; in the entry transaction mode, the public transportation system process information control file is updated and interacted with the digital RMB on-board POS terminal; in the exit transaction mode, dual offline transactions are performed with the digital RMB on-board POS terminal, and the public transportation system process information control file is updated and interacted; the digital RMB wallet business system is used to provide user public transportation business information to the digital RMB on-board POS terminal; the on-board machine is used to provide the vehicle up and down information and current station information to the digital RMB on-board POS terminal.

[0033] In this embodiment, the digital RMB vehicle-mounted POS terminal includes: a radio frequency module, a communication module, an MCU unit, an Android unit, a security authentication module and a peripheral module; the radio frequency module and the communication module are connected to the MCU unit and are controlled by the MCU unit; the security authentication module and the peripheral module are connected to the Android unit and are controlled by the Android unit; the MCU unit is connected to the Android unit; the radio frequency module is connected to the digital RMB hardware wallet; the Android unit is connected to the vehicle-mounted machine and the digital RMB wallet business system through the communication module.

[0034] Specifically, Figure 1As shown, the peripheral module is driven by the Android unit, including: LCD display, keyboard, speaker; LCD display, used to display site information, line information, fare information, equipment status information, time and date, and information prompts when swiping the card when getting on and off the bus; keyboard, used for line file switching, manual site switching and terminal information query; speaker, used for voice broadcast of card swiping information when getting on and off the bus. The communication module is connected to the vehicle-mounted machine using a 485 bus, and is connected to the digital RMB wallet business system through a 4G wireless network. The entire POS terminal is a secondary structure consisting of an MCU layer and an Android layer. The MCU layer includes a radio frequency module, a security authentication module and an MCU unit, and the radio frequency module and the security authentication module are connected to the MCU unit. The security authentication module supports two product forms: PSAM card and national secret chip. The MCU unit is the central control unit of the MCU layer. The MCU unit is connected to the Android unit of the Android layer. The Android unit connects to the peripheral module and is connected to the vehicle-mounted machine equipment and the digital RMB wallet business system through the communication module.

[0035] like Figure 2 , Figure 3 As shown, this embodiment provides a vehicle-mounted POS terminal payment method supporting digital RMB based on a vehicle-mounted POS terminal payment system supporting digital RMB, including:

[0036] like Figure 1 As shown, the digital RMB vehicle-mounted POS terminal includes: a radio frequency module, a communication module, an MCU unit, an Android unit, a security authentication module, and a peripheral module;

[0037] 101. System initialization: System initialization includes: loading rate information, transaction information and line information, self-checking to obtain card information, vehicle-mounted device information and vehicle information, and starting radio frequency card search polling;

[0038] Specifically, the system is initialized after it is turned on. The system initialization includes: loading rate information, transaction information, line information, equipment self-check to obtain PSAM card, SIM card, vehicle serial number, vehicle number, rate card, interoperable city whitelist, driver card information, and start radio frequency card polling.

[0039] 102. After the digital RMB hardware wallet enters the radio frequency range of the digital RMB vehicle-mounted POS terminal, the two establish a connection;

[0040] Specifically, after the radio frequency module finds the card, it sends the hardware ID information of the digital RMB hardware wallet to the MCU unit. The MCU unit sends the APDU instruction for selecting the digital RMB card application to the digital RMB hardware wallet. The MCU unit determines whether it is a digital RMB card based on the returned information.

[0041] 103. The digital RMB vehicle-mounted POS terminal sends a composite application consumption initialization command to the digital RMB hardware wallet to obtain the user card information of the digital RMB hardware wallet and the public transportation system process information control file;

[0042] Specifically, if it is a digital RMB card, the MCU unit sends a composite application consumption initialization instruction to obtain the available balance, secret key version, user card random number, and public transportation system process information control file of the digital RMB hardware wallet.

[0043] 104. The digital RMB vehicle-mounted POS terminal determines whether there is an unclosed-loop composite application transaction in the digital RMB hardware wallet based on the user's public transportation business information obtained from the digital RMB wallet business system and the user's card information;

[0044] Specifically, the MCU unit determines whether there is an unclosed-loop composite application transaction in the digital RMB hardware wallet based on the whitelist, blacklist, route and station information obtained from the Android unit and the bus system process information control file data;

[0045] 105. If it does not exist, it is the entry transaction mode, and the boarding instruction process is entered. The digital RMB vehicle POS terminal and the digital RMB hardware wallet only perform one update interaction of the public transportation system process information control file, and no dual offline transaction is performed;

[0046] Specifically, if it does not exist, it is the entry transaction mode, that is, entering the boarding instruction process. The MCU unit conducts an update interaction of the public transportation system process information control file between the digital RMB hardware wallet and the security authentication module through the radio frequency module and the ISO7816 protocol interface, and no dual offline transaction is performed.

[0047] 106. If it exists, it is the exit transaction mode, entering the get-off instruction process or the ticket supplement instruction process; the digital RMB on-board POS terminal and the digital RMB hardware wallet conduct dual offline transactions, and at the same time update the public transportation system process information control file. After the dual offline transactions are completed, the digital RMB on-board POS terminal generates a transaction record.

[0048] Specifically, if it exists, it is the exit transaction mode, entering the get-off instruction process or the ticket supplement instruction process, the digital RMB hardware wallet and the security authentication module conduct dual offline transactions through the MCU unit, and at the same time update the bus system process information control file; the MCU unit sends the transaction record of this transaction to the Android unit.

[0049] In this embodiment, during the composite application consumption transaction process, the Android unit drives the peripheral module to display and broadcast the corresponding information according to the situation of the composite application consumption transaction; the vehicle-mounted machine sends the vehicle uplink and downlink information and the current site information to the Android unit through the communication module; the Android unit regularly accesses the digital RMB business system through the communication module, and withdraws and synchronizes the ticket money received in the security authentication module through the MCU unit.

[0050] In this embodiment, Figure 4 As shown, the boarding instruction process includes: after the MCU unit determines that there is no unclosed-loop composite application transaction, it sends an APDU command to the security authentication module; the APDU command includes: user card random number, secret key version, composite application consumption file record; the security authentication module returns the terminal transaction sequence number, terminal number and MAC1 value; the MAC1 value is calculated by using a temporary key to obtain the data of the bus system process information control file; the MCU unit sends the terminal transaction sequence number, terminal number, bus system process information control file and MAC1 value to form an APDU instruction and sends it to the digital RMB hardware wallet, and the digital RMB hardware wallet updates the bus system process information control file internally. The temporary key for calculating the MAC value is obtained by SM4 encryption of "user card random number||terminal transaction sequence number||terminal and number" using the master key in the PSAM card.

[0051] In this embodiment, Figure 5 As shown, the get-off instruction process includes: the MCU unit obtains the deduction amount of this transaction from the Android unit, and then sends an offline payment initialization instruction to the digital RMB hardware wallet to start the offline payment process; the offline payment initialization instruction includes: transaction amount, transaction time information and the digital RMB hardware wallet returns the offline payment initialization response data to the MCU unit; the MCU unit sends the offline payment initialization instruction to the security authentication module, and the security authentication module returns the offline payment initialization response data to the MCU unit; the offline payment initialization instruction includes: transaction type, terminal capability and offline payment initialization response data of the digital RMB hardware wallet; the MCU unit assembles the offline payment initialization response data into an offline payment instruction and sends it to the digital RMB hardware wallet, and the digital RMB hardware wallet returns the offline payment response data; the MCU unit assembles the composite application consumption record and offline payment response data into an offline payment command and sends it to the security authentication module; the security authentication module returns the offline payment response data, MAC2, terminal number, and terminal transaction serial number to the MCU unit; the MCU unit assembles the offline payment response data, MAC2, terminal number, terminal transaction serial number, and bus system process information control file data into an offline payment completion instruction and sends it to the digital RMB hardware wallet.

[0052] In this embodiment, Figure 6As shown, the ticket replenishment instruction process includes: when the MCU unit determines that there is an unclosed-loop composite application transaction in the digital RMB hardware wallet, if the unclosed-loop composite application transaction is the situation that the user did not swipe the card when getting off the bus during the last ride, the MCU unit obtains the fine amount that should be executed on the digital RMB hardware wallet from the Android unit, and executes the get-off command process according to the fine amount, and then executes the get-on command process to complete the ticket replenishment.

[0053] In this embodiment, the digital RMB wallet business system supports the opening, recharge, withdrawal, synchronization and firmware upgrade of digital RMB hardware wallets.

[0054] Specifically, the cash withdrawal process includes: the cash withdrawal function is to withdraw cash from the PSAM card to the bank's public account. The wallet withdrawal operation needs to perform four steps in sequence: wallet withdrawal initialization, wallet withdrawal, wallet withdrawal completion, and withdrawal operation completion confirmation. The detailed steps are as follows: Figure 7 shown.

[0055] The withdrawal process is initiated by the Android unit, and the Android unit communicates with the MCU unit to trigger the withdrawal operation. After receiving the withdrawal instruction, the Android unit first queries the ticket amount in the security authentication module, and then assembles the transferee wallet ID, transaction type, transfer amount, password-free flag, wallet payment password ciphertext, and timestamp information into a wallet withdrawal initialization command and sends it to the security authentication module. The security authentication module returns the hardware wallet transaction counter, hardware wallet association code, transaction index, wallet ID, and MAC1 information. The MCU unit directly transparently transmits the return data of the security authentication module to the Android unit, and the Android unit directly forwards the data to the digital RMB wallet business system through the 4G network. After that, the digital RMB wallet business system sends a wallet withdrawal instruction to receive a withdrawal response message, sends a wallet withdrawal completion instruction to receive a withdrawal completion response message, and sends a withdrawal operation completion confirmation instruction to receive a withdrawal operation completion confirmation response message. In the above process, the MCU unit and the Android unit, as channels for the transmission of instruction data, do not process the data in any way.

[0056] Finally, it should be noted that the above embodiments are only used to illustrate the technical solutions of the present invention, rather than to limit it. Although the present invention has been described in detail with reference to the aforementioned embodiments, those skilled in the art should understand that modifying the technical solutions described in the aforementioned embodiments, or replacing some or all of the technical features therein by equivalents, does not cause the essence of the corresponding technical solutions to deviate from the scope of the technical solutions of the embodiments of the present invention.

Claims

1. A vehicle-mounted POS terminal payment method supporting digital RMB, characterized in that: The method comprises: System initialization, including: loading rate information, transaction information and line information, self-checking to obtain card information, vehicle-mounted device information and vehicle information, and starting radio frequency card search polling; After the digital RMB hardware wallet enters the radio frequency range of the digital RMB vehicle-mounted POS terminal, the two establish a connection; The digital RMB vehicle-mounted POS terminal sends a composite application consumption initialization command to the digital RMB hardware wallet to obtain the user card information and public transportation system process information control file of the digital RMB hardware wallet; The digital RMB vehicle-mounted POS terminal determines whether the digital RMB hardware wallet has an unclosed-loop composite application transaction based on the user's public transportation business information obtained from the digital RMB wallet business system and the user card information; If it does not exist, it is the entry transaction mode, and the boarding instruction process is entered. The digital RMB vehicle-mounted POS terminal and the digital RMB hardware wallet only perform one update interaction of the public transportation system process information control file, and no dual offline transaction is performed; If it exists, it is the exit transaction mode, and the get-off instruction process or the ticket supplement instruction process is entered; the digital RMB vehicle-mounted POS terminal and the digital RMB hardware wallet conduct dual offline transactions, and simultaneously update and interact with the public transportation system process information control file. After the dual offline transactions are completed, the digital RMB vehicle-mounted POS terminal generates a transaction record; The digital RMB vehicle-mounted POS terminal includes: a radio frequency module, a communication module, an MCU unit, an Android unit, a security authentication module and a peripheral module; After the system is turned on, the system is initialized, which includes: loading rate information, transaction information, line information, equipment self-check to obtain PSAM card, SIM card, vehicle serial number, vehicle number, rate card, intercommunication city white list, driver card information, and start radio frequency card search polling; After the radio frequency module finds the card, it sends the hardware ID information of the digital RMB hardware wallet to the MCU unit, and the MCU unit sends an APDU instruction for selecting the digital RMB card application to the digital RMB hardware wallet, and the MCU unit determines whether it is a digital RMB card based on the returned information; If it is a digital RMB card, the MCU unit sends a composite application consumption initialization instruction to obtain the available balance, secret key version, user card random number, and public transportation system process information control file of the digital RMB hardware wallet; the MCU unit determines whether there is an unclosed-loop composite application transaction in the digital RMB hardware wallet based on the whitelist, blacklist, route and station information obtained from the Android unit, combined with the public transportation system process information control file data; if not, it is an entry transaction mode, that is, entering the boarding instruction process, otherwise, it is an exit transaction mode, that is, entering the disembarkation instruction mode or the ticket supplement instruction process; In the entry transaction mode, the MCU unit performs an update interaction of the public transportation system process information control file between the digital RMB hardware wallet and the security authentication module through the radio frequency module and the ISO7816 protocol interface, and does not perform dual offline transactions; In the export transaction mode, the digital RMB hardware wallet and the security authentication module conduct dual offline transactions through the MCU unit, and simultaneously update and interact with the public transportation system process information control file; The MCU unit sends the transaction record of this transaction to the Android unit.

2. The vehicle-mounted POS terminal payment method supporting digital RMB according to claim 1 is characterized in that: During the composite application consumption transaction process, the Android unit drives the peripheral module to display and broadcast corresponding information according to the situation of the composite application consumption transaction; the vehicle-mounted machine sends the vehicle uplink and downlink information and the current site information to the Android unit through the communication module; the Android unit regularly accesses the digital RMB wallet business system through the communication module, and withdraws and synchronizes the ticket money received in the security authentication module through the MCU unit.

3. The vehicle-mounted POS terminal payment method supporting digital RMB according to claim 1 is characterized in that: The boarding instruction process includes: After the MCU unit determines that there is no unclosed-loop composite application transaction, it sends an APDU command to the security authentication module; the APDU command includes: a user card random number, a secret key version, and a composite application consumption file record; The security authentication module returns the terminal transaction serial number, the terminal number and the MAC1 value; the MAC1 value is calculated by using a temporary key to the public transportation system process information control file data; The MCU unit composes an APDU instruction with the terminal transaction serial number, terminal number, public transportation system process information control file and MAC1 value and sends it to the digital RMB hardware wallet, and the digital RMB hardware wallet internally updates the public transportation system process information control file.

4. The vehicle-mounted POS terminal payment method supporting digital RMB according to claim 1 is characterized in that: The get-off instruction process includes: The MCU unit obtains the deduction amount of this transaction from the Android unit, and then sends an offline payment initialization instruction to the digital RMB hardware wallet to start the offline payment process; the offline payment initialization instruction includes: transaction amount, transaction time information, and the digital RMB hardware wallet returns offline payment initialization response data to the MCU unit; The MCU unit sends the offline payment initialization instruction to the security authentication module, and the security authentication module returns the offline payment initialization response data to the MCU unit; the offline payment initialization instruction includes: transaction type, terminal capability and offline payment initialization response data of the digital RMB hardware wallet; The MCU unit assembles the offline payment initialization response data into an offline payment instruction and sends it to the digital RMB hardware wallet, and the digital RMB hardware wallet returns offline payment response data; The MCU unit composites the consumption record and the offline payment response data into an offline payment collection command and sends it to the security authentication module; the security authentication module returns the offline payment collection response data, MAC2, terminal number, and terminal transaction sequence number to the MCU unit; The MCU unit assembles the offline payment response data, MAC2, terminal number, terminal transaction serial number, and public transportation system process information control file data into an offline payment completion instruction and sends it to the digital RMB hardware wallet.

5. The vehicle-mounted POS terminal payment method supporting digital RMB according to claim 1 is characterized in that: The fare supplement instruction process includes: When the MCU unit determines that the digital RMB hardware wallet has an unclosed-loop composite application transaction, if the unclosed-loop composite application transaction is a situation where the user did not swipe the card when getting off the bus during the last ride, the MCU unit obtains the fine amount that should be executed on the digital RMB hardware wallet from the Android unit, and executes the get-off command process according to the fine amount, and then executes the get-on command process to complete the ticket replacement.

6. The vehicle-mounted POS terminal payment method supporting digital RMB according to claim 1 is characterized in that: The peripheral module is driven by the Android unit and includes: an LCD display, a keyboard, and a speaker; The LCD display screen is used to display station information, route information, fare information, equipment status information, time and date, and information prompts when swiping the card when getting on and off the bus; The keyboard is used for line file switching, manual site switching and terminal information query; The loudspeaker is used for voice broadcasting of the card swiping information for getting on and off the bus.

7. The vehicle-mounted POS terminal payment method supporting digital RMB according to claim 1 is characterized in that: The digital RMB wallet business system supports the opening, recharge, withdrawal, synchronization and firmware upgrade of the digital RMB hardware wallet.

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