Traffic payment method, device, equipment, storage medium and program product

Abstract

The present application discloses a transportation payment method, device, equipment, storage medium and program product, which relates to the field of electronic payment technology, including: responding to a transaction request sent by a card end, performing an online blacklist query according to the transaction request, and obtaining a blacklist query result, wherein the card end is configured with a transportation card; when the blacklist query result is a query failure, sending an offline query request to the card end, and the card end reads the offline information of the transportation card according to the offline query request, wherein the offline information includes at least one or more of the number of offline times and the offline amount; receiving the offline information sent by the card end, and deducting the corresponding withholding account bound to the transportation card according to the offline information. The transportation withholding payment based on offline transactions is realized, which solves the technical problem in the prior art that the transportation card withholding payment affects the user experience due to the unstable network, and ensures the user experience of the transportation card users.

Description

Technical Field

[0001] The present application relates to the field of electronic payment technology, and in particular to a transportation payment method, device, equipment, storage medium and program product. Background Art

[0002] With the launch of the second-generation transportation cards and digital transportation cards, the card swiping devices have been transformed online. After the device reads the card, it will retrieve the card information from the black and gray lists to determine whether the transaction can be carried out, thus realizing the password-free deduction of physical transportation cards.

[0003] However, in the prior art, the update of the black, gray and white lists for transportation card payment deductions is highly dependent on the network connection of the card swiping device. If the list is not updated in a timely manner, it is easy to cause financial losses to the transportation card company and affect the user experience of new transportation card users.

[0004] The above contents are only used to assist in understanding the technical solution of the present application and do not constitute an admission that the above contents are prior art. Summary of the invention

[0005] The main purpose of this application is to provide a transportation payment method, device, equipment, storage medium and program product, aiming to solve the technical problem in the prior art that transportation card payment deductions affect user experience due to network instability.

[0006] To achieve the above purpose, the present application proposes a transportation payment method, which is applied to a machine end and includes:

[0007] In response to a transaction request sent by a card end, an online blacklist query is performed according to the transaction request to obtain a blacklist query result, wherein the card end is configured with a transportation card;

[0008] When the blacklist query result is a query failure, an offline query request is sent to the card end, and the card end reads the offline information of the transportation card according to the offline query request, wherein the offline information includes at least one or more of the offline number of times and the offline amount;

[0009] Receive the offline information sent by the card end, and deduct the fee from the debit account bound to the transportation card according to the offline information.

[0010] In one embodiment, before the step of sending the offline query request to the card end, the method further includes:

[0011] Obtaining a debit authorization request for the transportation card;

[0012] According to the withholding authorization request, obtaining the account information of the withholding account;

[0013] Offline information is generated according to the account information, and the offline information is sent to the card end, and the card end writes the offline information into the transportation card.

[0014] In one embodiment, the step of generating offline information according to the account information includes:

[0015] According to the account information, obtaining the carbon reduction level and withholding channel of the withholding account;

[0016] Determine the number of offline times and offline amounts based on the carbon reduction level and withholding channels;

[0017] Offline information is generated according to the offline times and offline amount.

[0018] In one embodiment, the step of obtaining the carbon reduction level and the withholding channel of the withholding account according to the account information includes:

[0019] Obtaining transportation records and deduction channels based on the account information;

[0020] Calculate the carbon emission reduction according to the traffic travel record to obtain the cumulative carbon emission reduction;

[0021] Based on a preset carbon reduction grade rule, the carbon reduction grade corresponding to the cumulative carbon emission reduction is determined.

[0022] In one embodiment, the step of deducting the fee from the debit account bound to the transportation card according to the offline information includes:

[0023] Determine whether the offline times is zero;

[0024] If the offline number is not zero, determining whether the offline amount is greater than or equal to the consumption amount corresponding to the transaction request;

[0025] If the offline amount is greater than or equal to the consumption amount, generating an offline transaction file according to the consumption amount;

[0026] The offline transaction file is asynchronously uploaded to the payment platform to deduct the fee from the debit account bound to the transportation card.

[0027] In addition, to achieve the above purpose, the present application also proposes a transportation payment method, which is applied to a card end, and the card end is configured with a transportation card, including:

[0028] Sending a transaction request to the tool end, the tool end responding to the transaction request, performing an online blacklist query according to the transaction request, and obtaining a blacklist query result;

[0029] When the blacklist query result is a query failure, receiving an offline query request sent by the machine end, and reading the offline information of the transportation card according to the offline query request, wherein the offline information includes at least one or more of the offline number of times and the offline amount;

[0030] The offline information is sent to the machine end, and the machine end deducts the fee from the debit account bound to the transportation card according to the offline information.

[0031] In addition, to achieve the above purpose, the present application also proposes a traffic payment device, which includes:

[0032] A blacklist query module, for responding to a transaction request sent by a card terminal, performing an online blacklist query according to the transaction request, and obtaining a blacklist query result, wherein the card terminal is configured with a transportation card;

[0033] An offline query module, used for sending an offline query request to the card end when the blacklist query result is a query failure, and the card end reads the offline information of the transportation card according to the offline query request, wherein the offline information at least includes one or more of the offline number of times and the offline amount;

[0034] The account deduction module is used to receive the offline information sent by the card end, and deduct the deduction account corresponding to the binding of the transportation card according to the offline information.

[0035] In addition, to achieve the above objectives, the present application also proposes a transportation payment device, which includes: a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the computer program is configured to implement the steps of the transportation payment method described above.

[0036] In addition, to achieve the above-mentioned purpose, the present application also proposes a storage medium, which is a computer-readable storage medium, and a computer program is stored on the storage medium. When the computer program is executed by a processor, the steps of the transportation payment method described above are implemented.

[0037] In addition, to achieve the above-mentioned purpose, the present application also provides a computer program product, which includes a computer program, and when the computer program is executed by a processor, the steps of the transportation payment method described above are implemented.

[0038] The present application provides a transportation payment method. First, when the card side sends a transaction request, the machine side will perform an online blacklist query based on the transaction request to determine whether the card side can conduct online transactions; if the online blacklist query fails, the machine side will send an offline query request to the card side, and the card side will read the offline information of the transportation card to determine whether the transportation card has the conditions for offline transactions; finally, the deduction account bound to the transportation card is deducted according to the offline information returned by the card side to ensure that offline transactions can be conducted when online transactions on the blacklist cannot be conducted. The transportation deduction payment based on offline transactions is realized, which solves the technical problem in the prior art that the transportation card deduction payment affects the user experience due to the unstable network, and ensures the smooth progress of the transportation deduction payment when the network is unstable, thereby protecting the user experience of the transportation card users. BRIEF DESCRIPTION OF THE DRAWINGS

[0039] The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the present application and, together with the description, serve to explain the principles of the present application.

[0040] In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the following briefly introduces the drawings required for use in the embodiments or the description of the prior art. Obviously, for ordinary technicians in this field, other drawings can be obtained based on these drawings without paying any creative labor.

[0041] Figure 1 A flow chart of the first embodiment of the transportation payment method of the present application;

[0042] Figure 2 A flow chart of the second embodiment of the transportation payment method of the present application;

[0043] Figure 3 A schematic diagram of the process of writing offline information provided in the second embodiment of the transportation payment method of the present application;

[0044] Figure 4 A schematic diagram of carbon reduction grade rules provided for the second embodiment of the transportation payment method of this application;

[0045] Figure 5 This is a schematic diagram of the module structure of the traffic payment device according to the embodiment of the present application;

[0046] Figure 6 This is a schematic diagram of the device structure of the hardware operating environment involved in the transportation payment method in the embodiment of the present application.

[0047] The purpose, features and advantages of this application will be further described in conjunction with the embodiments and with reference to the accompanying drawings. DETAILED DESCRIPTION

[0048] It should be understood that the specific embodiments described herein are only used to explain the technical solutions of the present application and are not used to limit the present application.

[0049] In order to better understand the technical solution of the present application, a detailed description will be given below in conjunction with the accompanying drawings and specific implementation methods.

[0050] The main solution of the embodiment of the present application is: in response to a transaction request sent by the card end, an online blacklist query is performed according to the transaction request to obtain a blacklist query result, and the card end is configured with a transportation card; when the blacklist query result is a query failure, an offline query request is sent to the card end, and the card end reads the offline information of the transportation card according to the offline query request, and the offline information includes at least one or more of the number of offline times and the offline amount; the offline information sent by the card end is received, and according to the offline information, the deduction account corresponding to the binding of the transportation card is deducted.

[0051] In the prior art, transportation cards can be divided into physical cards and virtual cards. Physical cards refer to the process of completing the transaction and deducting fees by placing the physical card close to the card swiping device, while virtual cards are divided into NFC air-issued cards and QR code payment products. NFC air-issued cards refer to the process of completing the transaction and deducting fees by interacting with the NFC chip in the mobile phone / wearable device and the card swiping device, and QR code payment products refer to the process of completing the transaction and deducting fees by reading the QR code information through the scanning port of the card swiping device.

[0052] Currently, physical transportation cards and NFC air-issued cards on the market usually use prepaid transportation cards, which require users to recharge the card in advance before swiping the card. Prepaid transportation cards need to be recharged in advance before use, and when the balance is insufficient, you will face the embarrassing situation of not being able to take the bus. Most physical transportation cards are non-name cards, and the balance on the card cannot be refunded after losing it. However, since QR code products are bound to the password-free deduction of third-party payment when the card is opened, there is no need to store value in the virtual card, and you can ride first and pay later.

[0053] In order to provide users with physical transportation cards and NFC air-issued cards with the convenience of "post-payment" services, various transportation card companies and upstream and downstream industries have begun to tackle technical problems in related functions. Currently, the "use and recharge" function of a certain wallet app transportation card has been commercialized. Use and recharge is a public transportation card function jointly launched by the wallet app, payment companies, transportation card companies and technology providers. After paying a certain recharge deposit, you can achieve manual recharge without manual recharge. After each consumption, the balance is automatically replenished to the preset recharge amount. However, this technology is only applicable to NFC air-issued cards installed in mobile phones / wearable devices, because after the deduction is completed, the card recharges the NFC air-issued card through the background process of the wallet app. During the recharge process, the device needs to be connected to the Internet and turned on.

[0054] In terms of physical transportation cards, the payment platform has launched the second-generation transportation cards and digital transportation cards in cooperation with multiple cities. Through online transformation of the equipment, after the card swiping device reads the card, it first searches in the black and gray lists, and then sends a transaction request to the background transaction system to create an order. The settlement system modifies the account balance according to the transaction order content, and sends a list update instruction to the card swiping device management background to send the updated list to the card swiping device. Although the password-free deduction of physical transportation cards is achieved by frequently downloading and updating the black, white and gray lists in the device, this method has the following problems: ① Since the update of the black, white and gray lists is highly dependent on the network connection of the card swiping device, untimely updates may cause new users to be unable to swipe the card, affecting the user experience of new users. Therefore, after the user is activated, it is often necessary to remind the user in a prominent position in the interface that he needs to wait for half an hour or more before swiping the card; ② Since the card swiping process is completed offline, the untimely update of the blacklist of some devices may bring the risk of financial loss to the card company.

[0055] Technical terms involved in this application:

[0056] Withholding payment: refers to a payment method in which the user authorizes a bank or other financial institution to automatically deduct a specified amount from the user's bank account under certain conditions. It is often used in regular or fixed-amount payment scenarios.

[0057] Carbon reduction: refers to reducing the emission of greenhouse gases such as carbon dioxide (CO2) in human production and life to cope with global warming. Carbon reduction refers to the amount of greenhouse gas emissions caused by production or consumption activities calculated through various carbon accounting methods.

[0058] This application adopts the mode of "online query blacklist, asynchronous deduction as the main, and offline as the auxiliary" for transportation deduction and payment, realizes transportation deduction and payment based on offline transactions, and solves the technical problem of transportation card deduction and payment in the prior art that affects user experience due to network instability, ensures the smooth progress of transportation deduction and payment when the network is unstable, thereby protecting the user experience of transportation card users, and at the same time ensures that users can pay the fees in time after using the transportation service, and the transportation service provider can recover funds in time, reducing the risk of capital loss of the transportation service provider.

[0059] It should be noted that the execution subject of this embodiment may be a computing service device with data processing, network communication and program running functions, such as a tablet computer, a personal computer, a mobile phone, etc., or an electronic device capable of realizing the above functions, a transportation payment device, etc. The following takes the transportation payment device as an example to illustrate this embodiment and the following embodiments.

[0060] Based on this, the present application embodiment provides a transportation payment method, referring to Figure 1 , Figure 1 This is a flow chart of the first embodiment of the transportation payment method of the present application.

[0061] In this embodiment, the transportation payment method is applied to the machine end, including steps S10 to S30:

[0062] Step S10, in response to a transaction request sent by the card end, performing an online blacklist query according to the transaction request to obtain a blacklist query result, wherein the card end is configured with a transportation card;

[0063] It should be noted that online blacklist query refers to online query whether the transportation card is prohibited from use, and the blacklist refers to the list of transportation cards that are prohibited from use. The card end can be a physical transportation card or a mobile device with virtual transportation card function, which can store the card information and transaction information of the transportation card through a storage area with built-in data storage (such as an integrated circuit IC chip).

[0064] In addition, it should be noted that the card end and the machine end can communicate wirelessly with the machine end through technologies such as near field communication (NFC). The machine end can be a card swiping device with information reception and data processing, and can obtain data in the database by connecting to the background system.

[0065] It is understandable that when paying with a transportation card, the card end is brought close to the machine end and a communication connection is established with the machine end. After the card end sends a transaction request, the machine end checks whether the transportation card is marked as blacklisted through an online query with the background database, that is, whether it is prohibited from use due to violations, arrears or other reasons, to ensure that the transportation card is available for online transactions, prevent the use of illegal or abnormal cards, improve the system security of transportation payments, and prevent fraud.

[0066] Step S20, when the blacklist query result is a query failure, an offline query request is sent to the card end, and the card end reads the offline information of the transportation card according to the offline query request, and the offline information at least includes one or more of the offline number and the offline amount;

[0067] It should be noted that offline information is information pre-stored in the transportation card, such as the number of offline transactions and the offline amount, which is used to process transactions when online transactions are not possible. The number of offline transactions refers to the number of times the transportation card can be used for offline transactions, and the offline amount refers to the remaining consumption amount that the transportation card can use for offline transactions.

[0068] It is understandable that when the blacklist query result is a query failure, it means that the current machine end is unable to perform online query. The machine end will send an offline query request to the card end, requesting the card end to provide offline information stored in the transportation card. It can also process transactions through the offline information of the card end when online query is not possible, thereby ensuring the continuity and reliability of the transportation payment system. Even in the event of a network failure, transactions can be carried out smoothly, avoiding the impact of online transaction blockages on user experience.

[0069] Step S30, receiving the offline information sent by the card end, and deducting the fee from the debit account bound to the transportation card according to the offline information.

[0070] It should be noted that the debit account refers to the bank account or other payment account bound to the user's transportation card, which is used for automatic deductions when paying for transportation.

[0071] It is understandable that the machine end deducts the fees from the debit account bound to the transportation card based on the offline information returned by the card end based on the offline query request, completes the transaction process, ensures that users can pay the fees in time after using the transportation service, and ensures that the transportation service provider can recover the funds in time, reducing the risk of financial loss of the transportation service provider.

[0072] In a feasible implementation manner, before the step of sending the offline query request to the card end, the method further includes:

[0073] Step S201, obtaining a debit authorization request for the transportation card;

[0074] It should be noted that a direct debit authorization request refers to a request from a user to agree to automatically deduct fees from his or her bank account or payment account, and is the compliance basis for direct debit operations using transportation cards.

[0075] It is understandable that through the user interface or server interface, the user's authorization request for direct deduction operation on his or her transportation card account is received to ensure that the user agrees to deduct transportation usage fees from his or her payment direct deduction account, so as to protect the user's rights and interests and prevent unauthorized deductions.

[0076] Step S202, obtaining the account information of the withholding account according to the withholding authorization request;

[0077] It should be noted that the direct debit account refers to the bank account or other payment account authorized by the user for automatic deduction. Direct debit means that transportation fees can be paid without recharging the balance of the transportation card.

[0078] It is understandable that, based on the user's authorization, detailed information of the user's account is queried and obtained, such as the account number, user name, balance and other information required to complete the deduction, to provide the necessary account information for the deduction operation and ensure the accuracy and effectiveness of the transportation fee deduction operation.

[0079] Step S203, generating offline information according to the account information, and sending the offline information to the card end, and the card end writes the offline information into the transportation card.

[0080] It should be noted that offline information can include the number of offline times and the offline amount, which are used to guide the machine end to perform the deduction operation.

[0081] It is understandable that in order to enable the machine end to deduct payment according to the offline information preset in the transportation card when the network is unavailable or the machine end is unable to conduct online inquiry, the machine end generates offline information required when the machine end is offline based on the acquired account information, and sends the offline information to the card end and stores it in the transportation card, so that the transportation fee deduction operation can be performed even in an offline state, realizing the offline deduction function and improving the flexibility and robustness of the payment system.

[0082] In this implementation, by generating offline information based on account balances and transaction limits, the system can effectively control risks, protect user funds, and provide users with a convenient and secure payment experience, while also providing transportation service providers with a stable and efficient revenue stream.

[0083] In a feasible implementation manner, the step of generating offline information according to the account information includes:

[0084] Step S2031, obtaining the carbon reduction level and withholding channel of the withholding account according to the account information;

[0085] It should be noted that the carbon reduction level refers to the level obtained by users based on their environmental protection behavior (such as using public transportation to reduce carbon emissions, etc.), which can affect the offline transaction limit of their transportation card. The deduction channel refers to the payment method selected by the user for automatic deduction, such as bank accounts, transportation payment platforms, third-party payment platforms, etc. Different offline transaction limits can be set according to different deduction channels.

[0086] It is understandable that in order to encourage environmentally friendly behavior and optimize the payment process, payment plans are customized according to the user's carbon reduction level and preferred payment channels. By querying the account information of transportation card users, the carbon reduction level related to environmental protection and the payment channel used for deduction can be obtained, thereby increasing the user's enthusiasm for participating in environmental protection, while ensuring that the payment method is in line with the user's preferences.

[0087] Step S2032, determining the number of offline times and offline amount according to the carbon reduction level and the withholding channel;

[0088] It should be noted that the number of offline transactions refers to the maximum number of transactions that a transportation card user can make without an Internet connection. The offline amount refers to the maximum amount that a transportation card user can make when offline. The number of offline transactions and the offline amount can be set by attaching the card when a new transportation card user registers, and can be rewritten according to regulations after use.

[0089] It is understandable that the number and amount of transportation payment that users can make offline can be set according to their carbon reduction level and the payment channel they choose, so as to control the risks of offline transactions, while encouraging users to obtain more offline transaction conveniences through environmentally friendly behaviors. Through differentiated offline transaction limits, users are encouraged to participate in carbon reduction activities while protecting the security of the payment system.

[0090] Step S2033, generating offline information according to the offline times and offline amount.

[0091] It is understandable that based on the determined number and amount of offline transactions, offline information containing this information is generated for use in an offline state to ensure the smooth execution of offline transactions, while recording transaction data for subsequent account deductions, thereby automating and recording offline transactions and improving the efficiency and accuracy of the payment system.

[0092] In this implementation, by obtaining the user's carbon reduction level and withholding channel, a basis is provided for personalized payment solutions, and the offline transaction limit is dynamically determined based on this information, which not only encourages users to participate in environmental protection behaviors, but also controls payment risks, ensures the accurate generation and recording of offline transaction information, improves the efficiency of transportation payment, reduces transaction failures caused by network problems, and also enhances the system's risk resistance. By encouraging users to participate in environmental protection behaviors, the system not only improves user satisfaction, but also contributes to environmental protection.

[0093] In a feasible implementation manner, the step of obtaining the carbon reduction level and the withholding channel of the withholding account according to the account information includes:

[0094] Step S20311, obtaining the transportation records and the withholding channels according to the account information;

[0095] It should be noted that transportation travel records refer to detailed records of users’ use of transportation services, including number of trips, methods, distances, etc.

[0096] It is understandable that the user's account information can be used to query their travel history and the set deduction payment channels to collect the user's travel data for calculating carbon emission reduction and determining the user's preferred payment method, providing a data basis for the calculation of carbon emission reduction while ensuring that the payment method is in line with the user's preferences.

[0097] Step S20312, calculating the carbon emission reduction according to the traffic travel record to obtain the cumulative carbon emission reduction;

[0098] It should be noted that the cumulative carbon emission reduction refers to the total carbon emissions reduced by users by choosing low-carbon travel modes. Transportation service providers can therefore provide users with different transaction offers to promote low-carbon travel.

[0099] It is understandable that by using the travel records of transportation card users and calculating the total cumulative carbon emission reduction according to a specific calculation model, by quantifying the user's environmental protection behavior, a basis is provided for the subsequent carbon reduction level assessment, so as to encourage users to choose low-carbon travel methods and enhance environmental awareness.

[0100] Step S20313: Determine the carbon reduction level corresponding to the cumulative carbon emission reduction based on the preset carbon reduction level rule.

[0101] It is understandable that the carbon reduction level of transportation card users is determined based on the cumulative carbon emission reduction and the preset carbon reduction level classification rules, providing feedback on the user's behavior, encouraging users to continue to participate in environmental protection activities, motivating users through a rating system, increasing user stickiness, and promoting environmental protection behavior.

[0102] In this embodiment, the implementation method of carbon reduction algorithm and dynamic level adjustment not only improves the computing efficiency but also increases the enthusiasm of users, and can provide users with a convenient and secure payment experience. It also provides a stable and efficient revenue stream for transportation service providers and promotes the popularization of environmentally friendly behaviors.

[0103] In a feasible implementation manner, the step of deducting fees from the debit account bound to the transportation card according to the offline information includes:

[0104] Step S301, determining whether the offline times is zero;

[0105] It is understandable that the number of offline transactions in the transportation card is checked to determine whether there are any remaining offline transaction opportunities to ensure that the transportation card user can still conduct a limited number of transactions in the offline state, control the risks of offline transactions, and prevent the occurrence of risky behaviors.

[0106] Step S302, if the offline number is not zero, determining whether the offline amount is greater than or equal to the consumption amount corresponding to the transaction request;

[0107] It is understandable that when the number of offline times is not zero, which means that the number of offline transactions is allowed, it is checked whether the offline amount in the transportation card is sufficient to cover the consumption amount corresponding to the current transaction request, so as to ensure that the transaction request is processed within the offline amount range, thereby protecting the user's funds while protecting the service provider's funds and avoiding excessive deductions.

[0108] Step S303, if the offline amount is greater than or equal to the consumption amount, generating an offline transaction file according to the consumption amount;

[0109] It should be noted that the offline transaction file refers to the file that records the details of the offline transaction, which is used for subsequent account deductions and transaction records.

[0110] It is understandable that, after confirming that the offline times and offline amount are sufficient, an offline transaction file is generated based on the actual consumption amount of this traffic transaction to record the transaction details, provide detailed transaction records for subsequent deduction operations, and ensure the accuracy and traceability of the transaction.

[0111] Step S304, asynchronously uploading the offline transaction file to the payment platform to deduct the fee from the debit account bound to the transportation card.

[0112] It is understandable that the offline transaction files are asynchronously uploaded to the payment platform so that they can be deducted after the network is restored. This allows transactions to be completed even when offline and ensures that the transactions are ultimately processed, which improves the flexibility and reliability of the payment system and ensures the final settlement of transactions.

[0113] In this implementation, by controlling the number and amount of offline transactions, the system can effectively manage the risks of offline transactions and protect the safety of user funds. The asynchronous upload mechanism improves the flexibility and reliability of the system, ensures the final settlement of transactions, and can provide users with a convenient and secure payment experience, while also providing a stable and efficient revenue stream for transportation service providers.

[0114] In a feasible implementation, the transportation payment method is applied to a card end, and the card end is configured with a transportation card, including:

[0115] Step S40, sending a transaction request to the tool end, the tool end responds to the transaction request, performs an online blacklist query according to the transaction request, and obtains a blacklist query result;

[0116] It is understandable that each time the card is used, the traffic process is initiated by sending a transaction request to the machine end so that the machine end can process the transaction and perform necessary security checks to ensure that each use of the transportation card can be recorded and processed.

[0117] Step S50, when the blacklist query result is a query failure, receiving an offline query request sent by the device end, and reading the offline information of the transportation card according to the offline query request, wherein the offline information includes at least one or more of the offline number and the offline amount;

[0118] It is understandable that when the machine end is unable to perform an online blacklist query, it will request the transportation card to provide offline information, such as the number of offline times and the offline amount, so that when the online query cannot be performed, the offline information in the transportation card can be used to process the transaction, thereby ensuring the continuity of the transaction and completing transportation payment even when the network is unavailable.

[0119] Step S60, sending the offline information to the equipment end, and the equipment end deducts the fee from the debit account bound to the transportation card according to the offline information.

[0120] It can be understood that the transportation end will send the offline information read from the transportation card to the equipment end. The equipment end will deduct the fees from the debit account bound to the transportation card based on the offline information to complete the payment process of the transaction, ensure that the transportation service provider can receive the fees, realize the final settlement of the transaction, and maintain the normal operation of the financial process.

[0121] In this implementation, transportation payment deductions based on offline transactions are implemented after online transactions fail, ensuring the continuity of transactions when online inquiries are not possible, increasing transaction speed and protecting transaction security. It can provide users with a convenient and secure payment experience, while also providing transportation service providers with a stable and efficient revenue stream.

[0122] This embodiment provides a transportation payment method, which realizes transportation payment deduction based on offline transactions, solves the technical problem in the prior art that transportation card payment deduction affects user experience due to network instability, ensures the smooth progress of transportation payment deduction when the network is unstable, thereby protecting the user experience of transportation card users.

[0123] Based on the first embodiment of the present application, in the second embodiment of the present application, the same or similar contents as those of the above-mentioned first embodiment can be referred to the above introduction and will not be repeated later.

[0124] For example, in order to help understand the implementation process of the transportation payment method obtained by combining this embodiment with the above-mentioned first embodiment, please refer to Figure 2 , Figure 2 This is a flow chart of the second embodiment of the transportation payment method of this application, specifically:

[0125] ① Online consumption process (normal transaction), that is, the query is successful and not on the blacklist:

[0126] 1.1 When the card is close to the machine, the machine will first verify the card to ensure the authenticity and legitimacy of the card;

[0127] 1.2. The device initiates an online blacklist query to the backend: When the query result is that the device is not on the blacklist, the device prompts that the transaction is successful, and updates the number of offline times allowed returned by the backend into the card;

[0128] 1.3 The device sends a deduction transaction message to the backend to complete the deduction asynchronously.

[0129] ②Online consumption process (blacklist card), that is, the query is successful in the blacklist:

[0130] 2.1 When the card is close to the machine, the machine will first verify the card to ensure the authenticity and legitimacy of the card;

[0131] 2.2 The device initiates an online blacklist query to the backend, and returns the query result to the device if it is in the blacklist;

[0132] 2.3 The device rejects the transaction and changes the number of offline times in the card to 0.

[0133] ③Offline consumption process, that is, query failure:

[0134] 3.1 When the card is close to the machine, the device will first verify the card to ensure the authenticity and legitimacy of the card;

[0135] 3.2 The device initiates an online blacklist query to the backend;

[0136] 3.3 When the online query fails, check the number of offline transactions and the offline balance on the card;

[0137] 3.4. When the number of offline times in the card is > 0 and the offline balance is >= the consumption amount, the device will prompt that the transaction is successful, deduct the number of offline times and the offline balance in the card, and write the offline transaction into the card. The device will organize the offline transaction file and initiate the deduction from the user's bound withholding account when the network is connected. When the number of offline times is equal to 0 or the offline balance is insufficient, the transaction will be rejected.

[0138] ④Offline rules:

[0139] The number and amount of offline consumption are determined based on each passenger's historical riding behavior, and can be flexibly adjusted based on the user's riding times and the average public transportation fare of the previous year. The number of offline purchases is determined based on the user's carbon reduction level, and the amount is determined based on the average local public transportation fare of the previous year. The number of offline purchases and the amount are based on whichever comes first. If the upper limit is reached, the transaction may be rejected. Figure 3 As shown, Figure 3 A schematic diagram of the process of writing offline information provided in the second embodiment of the transportation payment method of the present application, specifically:

[0140] 4.1 When a user activates a smart online card for the first time, the corresponding number of offline times and offline consumption amount will be obtained according to the carbon reduction level of the Shenzhentong account used by the user when the card is activated. The carbon reduction level of a newly registered user is level 1, and the corresponding number of offline times is 1, and so on, up to level 6. (The carbon reduction level is determined by the historical emission reduction generated when the user uses the card and code bound to the transportation account to take a ride, and the emission reduction is calculated by the "Carbon Inclusive Methodology for Low-Carbon Public Transportation"). Offline balance = (number of offline times * average local public transportation fare in the previous year) - amount of offline card swipe. Specific carbon reduction level rules are as follows: Figure 4 As shown, Figure 4 A schematic diagram of the carbon reduction grade rules provided for the second embodiment of the transportation payment method of this application.

[0141] 4.2 Different users can get different additional offline times when opening the deduction channels. (ie, the number of offline times in the card = the number of carbon reduction levels + the number of deduction channels), and the offline balance will also increase accordingly.

[0142] 4.3 When the offline balance in the user's card is insufficient, the user needs to use the NFC technology of the mobile phone to stick the card in the APP to read the offline transactions in the card and upload them. After the deduction is completed, the user can use the NFC technology of the mobile phone to stick the card to modify the data in the card and restore the offline times and balance in the card.

[0143] 4.4 When a user engages in the following risky behaviors, he / she will be added to the online blacklist and the number of offline times will be set to 0 the next time he / she swipes the card: first, the user cancels the contract and deducts the money without password through a third-party payment channel; second, the deduction fails due to insufficient balance in the deduction channel, and the outstanding fee is not paid the next time the card is swiped; third, the user loses the card and actively applies to freeze the card and the card is not unfrozen; fourth, the user has cancelled the card.

[0144] 4.5 When risky behavior occurs, the user needs to complete the specified operations through the APP according to the prompts (including rebinding password-free deduction, paying arrears, and unfreezing the card). After being removed from the online blacklist, the user can modify the card data (card status, offline times and offline amount, etc.) through the NFC card stick on the mobile phone to restore the offline times before the risky behavior occurred.

[0145] In this embodiment, the mode of "online query of blacklist, asynchronous deduction as the main method, and offline as the auxiliary method" is adopted to realize transportation deduction and payment based on offline transactions, which solves the technical problem of transportation card deduction and payment affecting user experience due to network instability in the prior art. Compared with other purely offline solutions, it ensures the smooth implementation of transportation deduction and payment when the network is unstable, thereby protecting the user experience of transportation card users.

[0146] It should be noted that the above examples are only used to understand the present application and do not constitute a limitation on the transportation payment method of the present application. More simple transformations based on this technical concept are all within the scope of protection of the present application.

[0147] This application also provides a transportation payment device, please refer to Figure 5 , the transportation payment device comprises:

[0148] A blacklist query module 10, for responding to a transaction request sent by a card terminal, performing an online blacklist query according to the transaction request, and obtaining a blacklist query result, wherein the card terminal is configured with a transportation card;

[0149] The offline query module 20 is used to send an offline query request to the card end when the blacklist query result is a query failure, and the card end reads the offline information of the transportation card according to the offline query request, wherein the offline information includes at least one or more of the offline number of times and the offline amount;

[0150] The account deduction module 30 is used to receive the offline information sent by the card end, and deduct the deduction account corresponding to the binding of the transportation card according to the offline information.

[0151] Optionally, the offline query module 20 is further used for:

[0152] Obtaining a debit authorization request for the transportation card;

[0153] According to the withholding authorization request, obtaining the account information of the withholding account;

[0154] Offline information is generated according to the account information, and the offline information is sent to the card end, and the card end writes the offline information into the transportation card.

[0155] Optionally, the offline query module 20 is further used for:

[0156] According to the account information, obtaining the carbon reduction level and withholding channel of the withholding account;

[0157] Determine the number of offline times and offline amounts based on the carbon reduction level and withholding channels;

[0158] Offline information is generated according to the offline times and offline amount.

[0159] Optionally, the offline query module 20 is further used for:

[0160] Obtaining transportation records and deduction channels based on the account information;

[0161] Calculate the carbon emission reduction according to the traffic travel record to obtain the cumulative carbon emission reduction;

[0162] Based on a preset carbon reduction grade rule, the carbon reduction grade corresponding to the cumulative carbon emission reduction is determined.

[0163] Optionally, the account deduction module 30 is further used for:

[0164] Determine whether the offline times is zero;

[0165] If the offline number is not zero, determining whether the offline amount is greater than or equal to the consumption amount corresponding to the transaction request;

[0166] If the offline amount is greater than or equal to the consumption amount, generating an offline transaction file according to the consumption amount;

[0167] The offline transaction file is asynchronously uploaded to the payment platform to deduct the fee from the debit account bound to the transportation card.

[0168] Optionally, the transportation payment device further includes:

[0169] A request sending module, used for sending a transaction request to a tool end, and the tool end responds to the transaction request, performs an online blacklist query according to the transaction request, and obtains a blacklist query result;

[0170] An offline reading module, for receiving an offline query request sent by the machine end when the blacklist query result is a query failure, and reading offline information of the transportation card according to the offline query request, wherein the offline information includes at least one or more of the offline number of times and the offline amount;

[0171] The information sending module is used to send the offline information to the machine end, and the machine end deducts the fee from the debit account bound to the transportation card according to the offline information.

[0172] The transportation payment device provided by the present application adopts the transportation payment method in the above embodiment, which can solve the technical problem in the prior art that the transportation payment by transportation card affects the user experience due to the unstable network. Compared with the prior art, the beneficial effects of the transportation payment device provided by the present application are the same as the beneficial effects of the transportation payment method provided by the above embodiment, and the other technical features in the transportation payment device are the same as the features disclosed in the above embodiment method, which will not be repeated here.

[0173] The present application provides a transportation payment device, which includes: at least one processor; and a memory communicatively connected to the at least one processor; wherein the memory stores instructions executable by the at least one processor, and the instructions are executed by the at least one processor so that the at least one processor can execute the transportation payment method in the above-mentioned first embodiment.

[0174] Reference below Figure 6 , which shows a schematic diagram of the structure of a traffic payment device suitable for implementing the embodiment of the present application. The traffic payment device in the embodiment of the present application may include but is not limited to mobile terminals such as mobile phones, laptop computers, digital broadcast receivers, PDAs (Personal Digital Assistants), PADs (Portable Application Descriptions), PMPs (Portable Media Players), vehicle-mounted terminals (such as vehicle-mounted navigation terminals), etc., and fixed terminals such as digital TVs, desktop computers, etc. Figure 6 The transportation payment device shown is merely an example and should not bring any limitation to the functions and scope of use of the embodiments of the present application.

[0175] like Figure 6 As shown, the transportation payment device may include a processing device 1001 (e.g., a central processing unit, a graphics processor, etc.), which can perform various appropriate actions and processes according to a program stored in a read-only memory (ROM: Read Only Memory) 1002 or a program loaded from a storage device 1003 to a random access memory (RAM: Random Access Memory) 1004. In RAM1004, various programs and data required for the operation of the transportation payment device are also stored. The processing device 1001, ROM1002, and RAM1004 are connected to each other through a bus 1005. An input / output (I / O) interface 1006 is also connected to the bus. Generally, the following systems can be connected to the I / O interface 1006: an input device 1007 including, for example, a touch screen, a touch pad, a keyboard, a mouse, an image sensor, a microphone, an accelerometer, a gyroscope, etc.; an output device 1008 including, for example, a liquid crystal display (LCD: Liquid Crystal Display), a speaker, a vibrator, etc.; a storage device 1003 including, for example, a magnetic tape, a hard disk, etc.; and a communication device 1009. The communication device 1009 can allow the transportation payment device to communicate with other devices wirelessly or by wire to exchange data. Although the figure shows a transportation payment device with various systems, it should be understood that it is not required to implement or have all the systems shown. More or fewer systems can be implemented or have alternatively.

[0176] In particular, according to the embodiments disclosed in the present application, the process described above with reference to the flowchart can be implemented as a computer software program. For example, the embodiments disclosed in the present application include a computer program product, which includes a computer program carried on a computer-readable medium, and the computer program includes a program code for executing the method shown in the flowchart. In such an embodiment, the computer program can be downloaded and installed from a network through a communication device, or installed from a storage device 1003, or installed from a ROM 1002. When the computer program is executed by the processing device 1001, the above-mentioned functions defined in the method of the embodiment disclosed in the present application are executed.

[0177] The transportation payment device provided by the present application adopts the transportation payment method in the above embodiment, which can solve the technical problem in the prior art that the transportation payment of transportation cards is affected by the unstable network, which affects the user experience. Compared with the prior art, the beneficial effects of the transportation payment device provided by the present application are the same as the beneficial effects of the transportation payment method provided by the above embodiment, and the other technical features in the transportation payment device are the same as the features disclosed in the method of the previous embodiment, which will not be repeated here.

[0178] It should be understood that the various parts disclosed in this application can be implemented by hardware, software, firmware or a combination thereof. In the description of the above embodiments, specific features, structures, materials or characteristics can be combined in any one or more embodiments or examples in a suitable manner.

[0179] The above is only a specific implementation of the present application, but the protection scope of the present application is not limited thereto. Any person skilled in the art who is familiar with the present technical field can easily think of changes or substitutions within the technical scope disclosed in the present application, which should be included in the protection scope of the present application. Therefore, the protection scope of the present application should be based on the protection scope of the claims.

[0180] The present application provides a computer-readable storage medium having computer-readable program instructions (ie, computer programs) stored thereon, and the computer-readable program instructions are used to execute the transportation payment method in the above-mentioned embodiment.

[0181] The computer-readable storage medium provided in the present application may be, for example, a USB flash drive, but is not limited to electrical, magnetic, optical, electromagnetic, infrared or semiconductor systems, systems or devices, or any combination of the above. More specific examples of computer-readable storage media may include, but are not limited to: an electrical connection with one or more wires, a portable computer disk, a hard disk, a random access memory (RAM: Random Access Memory), a read-only memory (ROM: Read Only Memory), an erasable programmable read-only memory (EPROM: Erasable Programmable Read Only Memory or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM: CD-Read Only Memory), an optical storage device, a magnetic storage device, or any suitable combination of the above. In this embodiment, the computer-readable storage medium may be any tangible medium containing or storing a program that can be used by or in combination with an instruction execution system, system or device. The program code contained on the computer-readable storage medium may be transmitted using any appropriate medium, including but not limited to: wires, optical cables, RF (Radio Frequency: Radio Frequency), etc., or any suitable combination of the above.

[0182] The computer-readable storage medium may be included in the traffic payment device; or may exist independently without being installed in the traffic payment device.

[0183] The computer-readable storage medium carries one or more programs. When the one or more programs are executed by the transportation payment device, the transportation payment device: responds to a transaction request sent by a card end, performs an online blacklist query according to the transaction request, and obtains a blacklist query result, wherein the card end is configured with a transportation card; when the blacklist query result is a query failure, sends an offline query request to the card end, and the card end reads the offline information of the transportation card according to the offline query request, wherein the offline information includes at least one or more of the number of offline times and the offline amount; receives the offline information sent by the card end, and deducts the fees from the corresponding debit account bound to the transportation card according to the offline information.

[0184] Computer program code for performing the operations of the present application may be written in one or more programming languages ​​or a combination thereof, including object-oriented programming languages ​​such as Java, Smalltalk, C++, and conventional procedural programming languages ​​such as "C" or similar programming languages. The program code may be executed entirely on the user's computer, partially on the user's computer, as a separate software package, partially on the user's computer and partially on a remote computer, or entirely on a remote computer or server. In the case of a remote computer, the remote computer may be connected to the user's computer through any type of network, including a local area network (LAN) or a wide area network (WAN), or may be connected to an external computer (e.g., via the Internet using an Internet service provider).

[0185] The flowcharts and block diagrams in the accompanying drawings illustrate the possible architecture, functions and operations of the systems, methods and computer program products according to various embodiments of the present application. In this regard, each box in the flowchart or block diagram can represent a module, a program segment or a part of a code, and the module, a program segment or a part of the code contains one or more executable instructions for realizing the specified logical function. It should also be noted that in some alternative implementations, the functions marked in the box can also occur in a different order from the order marked in the accompanying drawings. For example, two boxes represented in succession can actually be executed substantially in parallel, and they can sometimes be executed in the opposite order, depending on the functions involved. It should also be noted that each box in the block diagram and / or flowchart, and the combination of boxes in the block diagram and / or flowchart can be implemented with a dedicated hardware-based system that performs a specified function or operation, or can be implemented with a combination of dedicated hardware and computer instructions.

[0186] The modules involved in the embodiments of the present application may be implemented by software or hardware, wherein the name of the module does not limit the unit itself in some cases.

[0187] The readable storage medium provided in this application is a computer-readable storage medium, which stores computer-readable program instructions (i.e., computer programs) for executing the above-mentioned transportation payment method, and can solve the technical problem in the prior art that the transportation payment of transportation cards is affected by the unstable network, which affects the user experience. Compared with the prior art, the beneficial effects of the computer-readable storage medium provided in this application are the same as the beneficial effects of the transportation payment method provided in the above-mentioned embodiment, and will not be repeated here.

[0188] The present application also provides a computer program product, including a computer program, which implements the steps of the above-mentioned transportation payment method when executed by a processor.

[0189] The computer program product provided by this application can solve the technical problem in the prior art that the unstable network affects the user experience of transportation card transportation payment. Compared with the prior art, the beneficial effects of the computer program product provided by this application are the same as the beneficial effects of the transportation payment method provided by the above embodiment, which will not be repeated here.

[0190] The above descriptions are only some embodiments of the present application, and are not intended to limit the patent scope of the present application. All equivalent structural changes made using the contents of the present application specification and drawings under the technical concept of the present application, or direct / indirect applications in other related technical fields are included in the patent protection scope of the present application.

Claims

1. A transportation payment method, characterized in that: The method is applied to a machine tool, and includes: In response to a transaction request sent by a card end, an online blacklist query is performed according to the transaction request to obtain a blacklist query result, wherein the card end is configured with a transportation card; When the blacklist query result is a query failure, an offline query request is sent to the card end, and the card end reads the offline information of the transportation card according to the offline query request, wherein the offline information includes at least one or more of the offline number of times and the offline amount; Wherein, before the step of sending the offline query request to the card end, it also includes: Obtaining a debit authorization request for the transportation card; According to the withholding authorization request, obtaining the account information of the withholding account; Generate offline information according to the account information, and send the offline information to the card end, so that the card end writes the offline information into the transportation card; Wherein, the step of generating offline information according to the account information includes: According to the account information, obtaining the carbon reduction level and withholding channel of the withholding account; Determine the number of offline times and offline amounts based on the carbon reduction level and withholding channels; Generate offline information according to the offline times and offline amount; Receive the offline information sent by the card end, and deduct the fee from the debit account bound to the transportation card according to the offline information.

2. The method according to claim 1, characterized in that: The step of obtaining the carbon reduction level and the withholding channel of the withholding account according to the account information includes: Obtaining transportation records and deduction channels based on the account information; Calculate the carbon emission reduction according to the traffic travel record to obtain the cumulative carbon emission reduction; Based on a preset carbon reduction grade rule, the carbon reduction grade corresponding to the cumulative carbon emission reduction is determined.

3. The method according to claim 1, characterized in that: The step of deducting fees from the debit account bound to the transportation card according to the offline information includes: Determine whether the offline times is zero; If the offline number is not zero, determining whether the offline amount is greater than or equal to the consumption amount corresponding to the transaction request; If the offline amount is greater than or equal to the consumption amount, generating an offline transaction file according to the consumption amount; The offline transaction file is asynchronously uploaded to the payment platform to deduct the fee from the debit account bound to the transportation card.

4. A transportation payment method, characterized in that: The method is applied to a card end, and the card end is configured with a transportation card, including: Sending a transaction request to the tool end, the tool end responding to the transaction request, performing an online blacklist query according to the transaction request, and obtaining a blacklist query result; When the blacklist query result is a query failure, receiving an offline query request sent by the machine end, and reading the offline information of the transportation card according to the offline query request, wherein the offline information includes at least one or more of the offline number of times and the offline amount; The offline information is sent to the machine end, and the machine end deducts the fee from the debit account bound to the transportation card according to the offline information; Wherein, the tool end is also used for: Obtaining a debit authorization request for the transportation card; According to the withholding authorization request, obtaining the account information of the withholding account; Generate offline information according to the account information, and send the offline information to the card end, so that the card end writes the offline information into the transportation card; Wherein, the tool end is also used for: According to the account information, obtaining the carbon reduction level and withholding channel of the withholding account; Determine the number of offline times and offline amounts based on the carbon reduction level and withholding channels; Offline information is generated according to the offline times and offline amount.

5. A transportation payment device, characterized in that: The device comprises: A blacklist query module, for responding to a transaction request sent by a card terminal, performing an online blacklist query according to the transaction request, and obtaining a blacklist query result, wherein the card terminal is configured with a transportation card; An offline query module, used for sending an offline query request to the card end when the blacklist query result is a query failure, and the card end reads the offline information of the transportation card according to the offline query request, wherein the offline information at least includes one or more of the offline number of times and the offline amount; Wherein, the offline query module is also used for: Obtaining a debit authorization request for the transportation card; According to the withholding authorization request, obtaining the account information of the withholding account; Generate offline information according to the account information, and send the offline information to the card end, so that the card end writes the offline information into the transportation card; Wherein, the offline query module is also used for: According to the account information, obtaining the carbon reduction level and withholding channel of the withholding account; Determine the number of offline times and offline amounts based on the carbon reduction level and withholding channels; Generate offline information according to the offline times and offline amount; The account deduction module is used to receive the offline information sent by the card end, and deduct the deduction account corresponding to the binding of the transportation card according to the offline information.

6. A traffic payment device, characterized in that: The device comprises: a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the computer program is configured to implement the steps of the transportation payment method according to any one of claims 1 to 4.

7. A storage medium, characterized in that: The storage medium is a computer-readable storage medium, on which a computer program is stored. When the computer program is executed by a processor, the steps of the transportation payment method according to any one of claims 1 to 4 are implemented.

8. A computer program product, characterized in that The computer program product comprises a computer program, and when the computer program is executed by a processor, the steps of the transportation payment method according to any one of claims 1 to 4 are implemented.

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