Digital currency electricity-free and network-free payment method and system applied to public transportation system

Abstract

The embodiment of the invention discloses a digital currency non-power and non-network payment method and system applied to a public transportation system, and the method comprises the steps: reading transaction data through a vehicle-mounted POS device, and uploading the transaction data to a public transportation settlement platform through a public transportation intermediate platform; after receiving the transaction data, the bus settlement platform sends the transaction data to UnionPay business through a private network; the UnionPay commerce sends the transaction data to an operation mechanism channel for processing to obtain a payment result, and returns the payment result to a bus settlement platform; the bus settlement platform returns the payment result to a bus intermediate platform; the bus intermediate platform returns the payment result to the vehicle-mounted POS equipment; and the vehicle-mounted POS equipment generates a transaction result notification based on the payment result. The problem that in the prior art, a user cannot complete payment under the condition that a mobile phone has no electricity and no network is solved.

Description

Technical Field

[0001] The present invention relates to the field of artificial intelligence technology, and in particular to a digital currency non-electricity and non-network payment method, system, electronic device and storage medium applied to a public transportation system. Background Art

[0002] With the continuous development of mobile payment technology, non-power and non-network payment technology has been introduced into the digital currency system, breaking the limitation of traditional mobile payment that relies on network and power supply, and providing users with a more convenient payment method. In daily life, users may encounter situations where their mobile phones are out of power or the network signal is poor, resulting in the inability to complete payment, which is particularly inconvenient when they need to take public transportation such as buses in an emergency.

[0003] Therefore, there is an urgent need for a digital currency payment method without electricity or internet that can be applied to public transportation systems to enhance passengers’ travel experience. Summary of the invention

[0004] The purpose of the embodiments of the present invention is to provide a digital currency off-power and off-network payment method, system, electronic device and storage medium applied to a public transportation system, so as to solve the problem in the prior art that users cannot complete payment when their mobile phones have no power or network.

[0005] To achieve the above-mentioned purpose, an embodiment of the present invention provides a digital currency non-electricity and non-network payment method applied to a public transportation system, and the method specifically includes:

[0006] Read the transaction data through the on-board POS device, and upload the transaction data to the bus settlement platform through the bus intermediate platform;

[0007] After receiving the transaction data, the public transportation settlement platform sends the transaction data to UnionPay Business through a dedicated network;

[0008] The UnionPay Business sends the transaction data to the operating institution channel for processing, obtains the payment result, and returns the payment result to the public transportation settlement platform;

[0009] The public transportation settlement platform returns the payment result to the public transportation intermediate platform;

[0010] The bus intermediate platform returns the payment result to the on-board POS device;

[0011] The in-vehicle POS device generates a transaction result notification based on the payment result.

[0012] On the basis of the above technical solution, the present invention can also be improved as follows:

[0013] Furthermore, before reading the transaction data through the vehicle-mounted POS device, the following steps are included:

[0014] In response to the off-power and off-network payment signing request sent by the user terminal to UnionPay Business, generating signing page data;

[0015] After obtaining the confirmation information entered by the user terminal in the signing page, a signing processing request is sent to the UnionPay Business, and a signing result sent by the UnionPay Business after the signing process is completed, wherein the signing result includes the user wallet association code.

[0016] Furthermore, the digital currency non-electricity and non-network payment method applied to the public transportation system also includes:

[0017] The user wallet association code is saved to the vehicle-mounted POS device, and when a payment transaction occurs, transaction data is obtained based on the user wallet association code.

[0018] Furthermore, the digital currency non-electricity and non-network payment method applied to the public transportation system also includes:

[0019] In response to a user wallet association code query request initiated by the on-board POS device, the user wallet association code query request is sent to UnionPay Business through the public transportation intermediate platform and the public transportation settlement platform. UnionPay Business sends the user wallet association code query request to the operating institution channel for query to obtain the user wallet association code;

[0020] The UnionPay Business sends the user wallet association code to the public transportation settlement platform;

[0021] The bus settlement platform returns the user wallet association code and encrypted public key to the bus intermediate platform and the on-board POS device to complete the query.

[0022] Furthermore, the UnionPay Business sends the transaction data to the operating institution channel for processing, obtains the payment result, and returns the payment result to the public transportation settlement platform, including:

[0023] The bank type corresponding to the transaction data is determined based on the transaction data, the operating institution channel is determined based on the bank type, and the transaction data is distributed to the corresponding operating institution channel for processing.

[0024] Further, it is determined whether the payment is successful. If the payment is successful, a voice prompt is broadcast to indicate the payment is successful.

[0025] When payment requires a password, a voice prompt will be given to prompt you to enter the password.

[0026] Furthermore, the vehicle-mounted POS device generates a transaction result notification based on the payment result, further comprising:

[0027] When payment fails, the payment failure type is determined, and a corresponding processing plan is determined based on the payment failure type, and the abnormal situation and the corresponding processing plan are announced by voice.

[0028] A digital currency non-electricity and non-network payment system applied to a public transportation system, comprising:

[0029] Vehicle-mounted POS device, used to read transaction data;

[0030] The public transportation intermediate platform is used to upload the transaction data to the public transportation settlement platform;

[0031] The public transportation settlement platform is used to send the transaction data to UnionPay Business through a dedicated network after receiving the transaction data;

[0032] China UnionPay Business sends the transaction data to the operating institution channel;

[0033] The operating institution channel is used to process the transaction data and obtain the payment result;

[0034] The UnionPay Business returns the payment result to the public transportation settlement platform;

[0035] The public transportation settlement platform returns the payment result to the public transportation intermediate platform;

[0036] The bus intermediate platform returns the payment result to the on-board POS device;

[0037] The in-vehicle POS device generates a transaction result notification based on the payment result.

[0038] An electronic device comprises a memory, a processor and a computer program stored in the memory and executable on the processor, wherein the steps of the method are implemented when the processor executes the computer program.

[0039] A non-transitory computer-readable storage medium stores a computer program, which implements the steps of the method when executed by a processor.

[0040] The embodiments of the present invention have the following advantages:

[0041] The digital currency payment method without electricity and network applied to the public transportation system in the present invention does not need passengers to worry about insufficient mobile phone power or poor network signal. No matter what state the mobile phone is in, it can still be easily completed by "touch and pay" with the public transportation POS machine, which greatly improves the convenience of taking the bus and solves the problem in the prior art that users cannot complete payment when the mobile phone has no electricity and network. BRIEF DESCRIPTION OF THE DRAWINGS

[0042] In order to more clearly illustrate the implementation methods of the present invention or the technical solutions in the prior art, the following briefly introduces the drawings required for the implementation methods or the description of the prior art. Obviously, the drawings in the following description are only exemplary, and for ordinary technicians in this field, other implementation drawings can be derived from the provided drawings without creative work.

[0043] The structures, proportions, sizes, etc. illustrated in this specification are only used to match the contents disclosed in the specification so as to facilitate understanding and reading by persons familiar with the technology. They are not used to limit the conditions under which the present invention can be implemented, and therefore have no substantial technical significance. Any structural modification, change in proportion or adjustment of size shall still fall within the scope of the technical contents disclosed in the present invention without affecting the effects and purposes that can be achieved by the present invention.

[0044] Figure 1 This is a flow chart of the digital currency non-electricity and non-network payment method applied to a public transportation system according to the present invention;

[0045] Figure 2 This is an architecture diagram of the digital currency non-electricity and non-network payment system applied to the public transportation system of the present invention;

[0046] Figure 3 This is a flow chart of the user wallet association code query of the present invention;

[0047] Figure 4 Flow chart of payment for the hard wallet of the present invention;

[0048] Figure 5 This is a schematic diagram of the physical structure of the electronic device provided by the present invention.

[0049] The accompanying drawings are denoted as follows:

[0050] On-vehicle POS device 10 , bus intermediate platform 20 , bus settlement platform 30 , UnionPay Business 40 , operating institution channel 50 , electronic device 60 , processor 601 , memory 602 , bus 603 . DETAILED DESCRIPTION

[0051] The following is a description of the implementation of the present invention by specific embodiments. People familiar with the art can easily understand other advantages and effects of the present invention from the contents disclosed in this specification. Obviously, the described embodiments are part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of the present invention.

[0052] Figure 1The flowchart of the embodiment of the digital currency non-electricity and non-network payment method applied to the public transportation system of the present invention is as follows: Figure 1 As shown, a digital currency non-electricity and non-network payment method applied to a public transportation system provided by an embodiment of the present invention comprises the following steps:

[0053] S101, reading transaction data through the on-board POS device, and uploading the transaction data to the bus settlement platform through the bus intermediate platform;

[0054] Specifically: before reading the transaction data through the vehicle-mounted POS device 10, it includes:

[0055] In response to the off-power and off-network payment signing request sent by the user terminal to UnionPay Business 40, generating signing page data;

[0056] After obtaining the confirmation information entered by the user terminal in the signing page, a signing processing request is sent to the UnionPay Business 40, and a signing result sent by the UnionPay Business 40 after the signing is completed is received, wherein the signing result includes the user wallet association code.

[0057] The user wallet association code is saved in the vehicle-mounted POS device 10, and when a payment transaction occurs, transaction data is obtained based on the user wallet association code.

[0058] The vehicle-mounted POS device 10 is the most advanced public transportation fee management system, with the advantages of contact-free, loss-free, advanced technology, good system scalability, and one-step maintenance investment. It is the best choice for public transportation units to improve management level and realize electronic control. It is widely used in urban public transportation, enterprise and institution vehicle charging, school special vehicle charging, community special vehicle charging, etc.

[0059] Consumers only need to hold an authorized IC card and read the card to complete the payment process; the system completes the information processing work based on the powerful software environment and perfect hardware in the background, and uniformly carries out the issuance, authorization, recharge and other tasks of IC cards, and can query, count, settle, report and print various consumption information and other related business information.

[0060] like Figure 3 As shown, the query of user wallet association code includes the following steps:

[0061] In response to the user wallet association code query request initiated by the vehicle-mounted POS device 10, the user wallet association code query request is sent to UnionPay Business 40 through the bus intermediate platform 20 and the bus settlement platform 30, and UnionPay Business 40 sends the user wallet association code query request to the operating institution channel 50 for query, and obtains the user wallet association code;

[0062] The UnionPay Business 40 sends the user wallet association code to the public transportation settlement platform 30;

[0063] The bus settlement platform 30 returns the user wallet association code and encrypted public key to the bus intermediate platform 20 and the on-board POS device 10 to complete the query.

[0064] The user wallet association code is obtained by UnionPay Business through querying the operating institution channel. The encrypted public key is obtained by requesting UnionPay Business. After the user wallet association code and encrypted public key are successfully obtained, they are finally returned to the vehicle POS device. During the payment transaction, the user wallet association code is sent to the SDK in the vehicle POS device to obtain the payment elements; the encrypted public key is used to verify the authenticity and security of the data and confirm that the data has not been tampered with.

[0065] The user wallet association code is a unique concept similar to a traditional bank account number, which is used to identify and receive various types of digital currencies. The user wallet association code is the identity of each digital currency holder in the blockchain network. It consists of a specific string of letters and numbers and is used to send, receive and store cryptocurrencies.

[0066] A user wallet association code is a string of letters and numbers used to receive and send digital currency, similar to a bank account number. It contains a public key (used to receive digital currency) and a private key (used to authorize transactions). When sending digital currency, the transaction information is encrypted using the recipient's public key. Only the person holding the private key can decrypt the information and receive the funds.

[0067] A mobile phone that supports digital currency payment without electricity or network is "touched" on the on-board POS device 10 (the on-board POS device 10 needs to remain online with the background). The on-board POS device 10 reads the digital currency information and uploads it to the bus Tianyi Cloud Platform, which then uploads the data to the settlement platform.

[0068] S102, after receiving the transaction data, the public transportation settlement platform sends the transaction data to UnionPay Business through a dedicated network;

[0069] Specifically, after the settlement platform receives the data, it transmits it to the acquiring bank through a dedicated network according to a specific format.

[0070] S103, UnionPay Business sends the transaction data to the operating institution channel for processing, obtains the payment result, and returns the payment result to the public transportation settlement platform;

[0071] Specifically, the bank type corresponding to the transaction data is determined based on the transaction data, and the operating institution channel 50 is determined based on the bank type. The transaction data is distributed to the corresponding operating institution channel 50 for processing. Digital currencies issued by different banks can be traded in an operating institution channel 50. The inter-bank clearing business is handled by the operating institution channel 50 side. After the bank's back-end processing, the deduction information will be notified to the user.

[0072] S104, the bus settlement platform returns the payment result to the bus intermediate platform;

[0073] S105, the bus intermediate platform returns the payment result to the on-board POS device;

[0074] S106, the vehicle-mounted POS device generates a transaction result notification based on the payment result;

[0075] Specifically, it determines whether the payment is successful. If the payment is successful, a voice prompt is broadcast indicating the payment is successful.

[0076] When payment requires a password, a voice prompt will be given to prompt you to enter the password.

[0077] When payment fails, the payment failure type is determined, and a corresponding processing plan is determined based on the payment failure type, and the abnormal situation and the corresponding processing plan are announced by voice.

[0078] like Figure 4 As shown, hard wallet payment includes the following steps:

[0079] The on-board POS device initiates a payment request. The user uses a mobile phone that supports digital currency hard wallet to touch the on-board POS device (command acquisition and parsing are completed through SDK) to obtain payment elements, and then initiates a payment request to the bus intermediate platform, and sends it to the UnionPay platform through the bus settlement platform. The UnionPay platform sends the payment request to the operating agency channel for transaction.

[0080] The operating agency channel processes the payment request, and returns the payment result to the UnionPay platform after the transaction is completed. The UnionPay platform returns the payment result to the bus settlement platform, bus intermediate platform, and on-board POS device.

[0081] A hard wallet is a hardware wallet, which means that the private key of digital assets is stored separately in a chip, isolated from the Internet, and plug-and-play. The private key of the hardware wallet is completely in your own hands, and usually you only need to keep the hardware.

[0082] The advantage of hardware wallets is that private keys do not touch the network, and assets are stored more safely. Generally, hardware wallets are often used when trading digital currencies. Digital currency is referred to as DIGICCY. It is an alternative currency in the form of electronic currency. It is an unregulated, digital currency, usually issued and managed by developers, and accepted and used by members of specific virtual communities.

[0083] The digital currency non-power and non-network payment method applied to the public transportation system reads the transaction data through the vehicle-mounted POS device 10, and uploads the transaction data to the public transportation settlement platform 30 through the public transportation intermediate platform 20; after receiving the transaction data, the public transportation settlement platform 30 sends the transaction data to UnionPay Business 40 through a dedicated network; the UnionPay Business 40 sends the transaction data to the operating institution channel 50 for processing, obtains the payment result, and returns the payment result to the public transportation settlement platform 30; the public transportation settlement platform 30 returns the payment result to the public transportation intermediate platform 20; the public transportation intermediate platform 20 returns the payment result to the vehicle-mounted POS device 10; the vehicle-mounted POS device 10 generates a transaction result notification based on the payment result. The problem that the payment cannot be completed when the mobile phone has no power and no network in the prior art is solved.

[0084] Public transportation digital currency card payment without electricity and network adopts advanced technical means to effectively ensure the security and reliability of the transaction process. Technically, it fully guarantees the security of transactions and reduces the payment risks caused by lost or stolen mobile phones. For the elderly who are not good at using smartphones or in places where it is inconvenient to use mobile phones, public transportation digital currency card payment without electricity and network provides a more friendly payment method, which helps to narrow the "digital divide" and allow more people to enjoy the convenience brought by digital currency.

[0085] Figure 2 Flow chart of an embodiment of the digital currency non-electricity and non-network payment system applied to a public transportation system according to the present invention; Figure 2 As shown, an embodiment of the present invention provides a digital currency non-electricity and non-network payment system applied to a public transportation system, comprising the following steps:

[0086] The vehicle-mounted POS device 10 is used to read transaction data;

[0087] The vehicle-mounted POS device 10 is also used for:

[0088] The user wallet association code is saved in the vehicle-mounted POS device 10, and when a payment transaction occurs, transaction data is obtained based on the user wallet association code.

[0089] The public transportation intermediate platform 20 is used to upload the transaction data to the public transportation settlement platform 30;

[0090] The public transportation settlement platform 30 is used to send the transaction data to UnionPay Business 40 through a dedicated network after receiving the transaction data;

[0091] UnionPay Business 40, used to send the transaction data to the operating institution channel 50;

[0092] The UnionPay Business 40 is also used for:

[0093] In response to the off-power and off-network payment signing request sent by the user terminal to UnionPay Business 40, generating signing page data;

[0094] After obtaining the confirmation information entered by the user terminal in the signing page, a signing processing request is sent to the UnionPay Business 40, and a signing result sent by the UnionPay Business 40 after the signing is completed is received, wherein the signing result includes the user wallet association code.

[0095] In response to the user wallet association code query request initiated by the vehicle-mounted POS device 10, the user wallet association code query request is sent to UnionPay Business 40 through the bus intermediate platform 20 and the bus settlement platform 30, and UnionPay Business 40 sends the user wallet association code query request to the operating institution channel 50 for query, and obtains the user wallet association code;

[0096] The UnionPay Business 40 sends the user wallet association code to the public transportation settlement platform 30;

[0097] The bus settlement platform 30 returns the user wallet association code and encrypted public key to the bus intermediate platform 20 and the on-board POS device 10 to complete the query.

[0098] The operating institution channel 50 is used to process the transaction data and obtain the payment result; determine the bank type corresponding to the transaction data based on the transaction data, determine the operating institution channel 50 based on the bank type, and distribute the transaction data to the corresponding operating institution channel 50 for processing.

[0099] The UnionPay Business 40 is also used to return the payment result to the public transportation settlement platform 30;

[0100] The bus settlement platform 30 is also used to return the payment result to the bus intermediate platform 20;

[0101] The bus intermediate platform 20 is also used to return the payment result to the vehicle-mounted POS device 10;

[0102] The vehicle-mounted POS device 10 is also used to generate a transaction result notification based on the payment result to determine whether the payment is successful. When the payment is successful, a voice broadcast of the payment success prompt is given;

[0103] When payment requires a password, a voice prompt will be given to prompt you to enter the password.

[0104] When payment fails, the payment failure type is determined, and a corresponding processing plan is determined based on the payment failure type, and the abnormal situation and the corresponding processing plan are announced by voice.

[0105] The present invention discloses a digital currency non-power and non-network payment system applied to a public transportation system, wherein the transaction data is read by a vehicle-mounted POS device 10; the transaction data is uploaded to a public transportation settlement platform 30 by a public transportation intermediate platform 20; after receiving the transaction data by the public transportation settlement platform 30, the transaction data is sent to UnionPay Business 40 through a dedicated network; the transaction data is sent to an operating institution channel 50 by UnionPay Business 40; the transaction data is processed by the operating institution channel 50 to obtain a payment result; the payment result is returned to the public transportation settlement platform 30 by UnionPay Business 40; the payment result is returned to the public transportation settlement platform 30 by the public transportation intermediate platform 20; the payment result is returned to the vehicle-mounted POS device 10 by the public transportation intermediate platform 20; and a transaction result notification is generated based on the payment result by the vehicle-mounted POS device 10. The digital currency non-power and non-network payment method applied to a public transportation system solves the problem in the prior art that payment cannot be completed when a mobile phone has no power or network.

[0106] Figure 5 A schematic diagram of the physical structure of an electronic device provided by an embodiment of the present invention, such as Figure 5 As shown, the electronic device 60 includes: a processor 601 (processor), a memory 602 (memory) and a bus 603;

[0107] The processor 601 and the memory 602 communicate with each other via the bus 603;

[0108] The processor 601 is used to call the program instructions in the memory 602 to execute the methods provided by the above-mentioned method embodiments, for example, including: reading transaction data through the vehicle-mounted POS device 10, and uploading the transaction data to the bus settlement platform 30 through the bus intermediate platform 20; after the bus settlement platform 30 receives the transaction data, it sends the transaction data to UnionPay Business 40 through a dedicated network; the UnionPay Business 40 sends the transaction data to the operating organization channel 50 for processing, obtains the payment result, and returns the payment result to the bus settlement platform 30; the bus settlement platform 30 returns the payment result to the bus intermediate platform 20; the bus intermediate platform 20 returns the payment result to the vehicle-mounted POS device 10; the vehicle-mounted POS device 10 generates a transaction result notification based on the payment result.

[0109] The present embodiment provides a non-transitory computer-readable storage medium, which stores computer instructions. The computer instructions enable a computer to execute the methods provided by the above-mentioned method embodiments, for example, including: reading transaction data through a vehicle-mounted POS device 10, and uploading the transaction data to a bus settlement platform 30 through a bus intermediate platform 20; after receiving the transaction data, the bus settlement platform 30 sends the transaction data to UnionPay Business 40 through a dedicated network; the UnionPay Business 40 sends the transaction data to an operating organization channel 50 for processing, obtains a payment result, and returns the payment result to the bus settlement platform 30; the bus settlement platform 30 returns the payment result to the bus intermediate platform 20; the bus intermediate platform 20 returns the payment result to the vehicle-mounted POS device 10; the vehicle-mounted POS device 10 generates a transaction result notification based on the payment result.

[0110] A person skilled in the art can understand that all or part of the steps of implementing the above method embodiment can be completed by hardware related to program instructions, and the aforementioned program can be stored in a computer-readable storage medium. When the program is executed, it executes the steps of the above method embodiment; and the aforementioned storage medium includes: ROM, RAM, magnetic disk or optical disk, etc., various storage media that can store program codes.

[0111] The device embodiments described above are merely illustrative, wherein the units described as separate components may or may not be physically separated, and the components shown as units may or may not be physical units, i.e., they may be located in one place, or they may be distributed on multiple network units. Some or all of the modules may be selected according to actual needs to achieve the purpose of the scheme of this embodiment. Those of ordinary skill in the art may understand and implement it without creative effort.

[0112] Through the description of the above implementation methods, those skilled in the art can clearly understand that each implementation method can be implemented by means of software plus a necessary general hardware platform, and of course, it can also be implemented by hardware. Based on this understanding, the above technical solution is essentially or the part that contributes to the prior art can be embodied in the form of a software product, and the computer software product can be stored in a computer-readable storage medium, such as ROM / RAM, a disk, an optical disk, etc., including a number of instructions for a computer device (which can be a personal computer, a server, or a network device, etc.) to execute the methods of each embodiment or some parts of the embodiment.

[0113] Although the present invention has been described in detail above by general description and specific embodiments, it is obvious to those skilled in the art that some modifications or improvements can be made to the present invention. Therefore, these modifications or improvements made without departing from the spirit of the present invention all belong to the scope of protection claimed by the present invention.

Claims

1. A digital currency payment method without electricity or network applied to public transportation system, characterized in that: The digital currency non-electricity and non-network payment method applied to the public transportation system specifically includes: Read the transaction data through the on-board POS device, and upload the transaction data to the bus settlement platform through the bus intermediate platform; After receiving the transaction data, the public transportation settlement platform sends the transaction data to UnionPay Business through a dedicated network; The UnionPay Business sends the transaction data to the operating institution channel for processing, obtains the payment result, and returns the payment result to the public transportation settlement platform; The public transportation settlement platform returns the payment result to the public transportation intermediate platform; The bus intermediate platform returns the payment result to the on-board POS device; The in-vehicle POS device generates a transaction result notification based on the payment result.

2. According to the digital currency non-electricity and non-network payment method applied to the public transportation system of claim 1, before reading the transaction data by the vehicle-mounted POS device, it includes: In response to the off-power and off-network payment signing request sent by the user terminal to UnionPay Business, generating signing page data; After obtaining the confirmation information entered by the user terminal in the signing page, a signing processing request is sent to the UnionPay Business, and a signing result sent by the UnionPay Business after the signing process is completed, wherein the signing result includes the user wallet association code.

3. According to claim 2, the digital currency non-electricity and non-network payment method applied to the public transportation system, the digital currency non-electricity and non-network payment method applied to the public transportation system further includes: The user wallet association code is saved to the vehicle-mounted POS device, and when a payment transaction occurs, transaction data is obtained based on the user wallet association code.

4. According to claim 1, the digital currency non-electricity and non-network payment method applied to the public transportation system, the digital currency non-electricity and non-network payment method applied to the public transportation system further comprises: In response to a user wallet association code query request initiated by the on-board POS device, the user wallet association code query request is sent to UnionPay Business through the public transportation intermediate platform and the public transportation settlement platform. UnionPay Business sends the user wallet association code query request to the operating institution channel for query to obtain the user wallet association code; The UnionPay Business sends the user wallet association code to the public transportation settlement platform; The bus settlement platform returns the user wallet association code and encrypted public key to the bus intermediate platform and the on-board POS device to complete the query.

5. According to claim 1, the digital currency non-electricity and non-network payment method applied to the public transportation system is characterized in that: The UnionPay Business sends the transaction data to the operating institution channel for processing, obtains the payment result, and returns the payment result to the public transportation settlement platform, including: The bank type corresponding to the transaction data is determined based on the transaction data, the operating institution channel is determined based on the bank type, and the transaction data is distributed to the corresponding operating institution channel for processing.

6. According to claim 1, the digital currency non-electricity and non-network payment method applied to the public transportation system is characterized in that: The vehicle-mounted POS device generates a transaction result notification based on the payment result, including: Determine whether the payment is successful. If the payment is successful, the voice will announce the payment success prompt; When payment requires a password, a voice prompt will be given to prompt you to enter the password.

7. The digital currency non-electricity and non-network payment method applied to public transportation system according to claim 6 is characterized in that: The vehicle-mounted POS device generates a transaction result notification based on the payment result, further comprising: When payment fails, the payment failure type is determined, and a corresponding processing plan is determined based on the payment failure type, and the abnormal situation and the corresponding processing plan are announced by voice.

8. A digital currency non-electricity and non-network payment system applied to public transportation system, characterized in that: include: Vehicle-mounted POS device, used to read transaction data; The public transportation intermediate platform is used to upload the transaction data to the public transportation settlement platform; The public transportation settlement platform is used to send the transaction data to UnionPay Business through a dedicated network after receiving the transaction data; China UnionPay Business sends the transaction data to the operating institution channel; The operating institution channel is used to process the transaction data and obtain the payment result; The UnionPay Business is also used to return the payment result to the public transportation settlement platform; The public transportation settlement platform is also used to return the payment result to the public transportation intermediate platform; The bus intermediate platform is also used to return the payment result to the on-board POS device; The vehicle-mounted POS device is further used to generate a transaction result notification based on the payment result.

9. An electronic device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, characterized in that: When the processor executes the computer program, the steps of the method according to any one of claims 1 to 7 are implemented.

10. A non-transitory computer readable medium having a computer program stored thereon, characterized in that: When the computer program is executed by a processor, the steps of the method according to any one of claims 1 to 7 are implemented.

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