Bus digital cloud payment system and method

Abstract

The invention discloses a bus digital cloud payment system and method, and the system comprises a cloud platform, and a user information management subsystem, a payment management subsystem, an identity verification management subsystem and a business management subsystem are operated on the cloud platform. The management subsystems are circularly connected and are used for realizing bus digital cloud payment; according to the digital cloud payment method, the palm vein information of the user is registered and collected in advance, when the user takes a bus, verification is carried out through the palm, the bus fee can be rapidly settled, rapid getting on and off in a ticket-free state are achieved, and the personnel flow efficiency is greatly improved.

Description

Technical Field

[0001] The present invention relates to the field of payment management technology, and in particular to a public transportation digital cloud payment system and method. Background Art

[0002] Taking public transportation can not only reduce traffic jams, reduce fuel consumption and exhaust emissions, improve the traffic environment and air quality, but also save money and be economical;

[0003] However, currently, the payment method for bus fares is generally cash payment or card payment. Cash payment has many inconveniences, such as the inability to make change, and now most payments are made digitally, and cash change is not always available. In addition, the method of paying by swiping a bus card is generally to recharge money into the bus card account in advance, and then swipe the bus card to pay offline each time you take the bus. Not only does it require frequent recharge operations, which is relatively cumbersome, but there is also a risk of not being able to take the bus when the balance in the bus card account is not enough to pay for a fare. In addition, the bus card needs to be found and swiped before each ride, which reduces the speed at which passengers get on the bus. Therefore, the present application proposes a bus digital cloud payment system and method to solve the above problems. Summary of the invention

[0004] In view of the above-mentioned defects or deficiencies in the prior art, it is desired to provide a public transportation digital cloud payment system and method.

[0005] The present invention provides a public transportation digital cloud payment system and method, comprising a cloud platform, on which a user information management subsystem, a payment management subsystem, an identity authentication management subsystem and a business management subsystem are running; wherein:

[0006] The user information management subsystem is connected to the identity authentication management subsystem; the user information management subsystem is used for user registration and entry of palm vein information, and cloud storage of user information and corresponding palm vein information;

[0007] The business management subsystem is connected to the payment management subsystem; the business management subsystem is used to record and manage the train information, the initial station, the final station and the verification result of the identity verification management subsystem, and feed the information back to the payment management subsystem;

[0008] The identity authentication management subsystem is connected to the business management subsystem; the identity authentication management subsystem is used to compare and verify the palm vein information sent by the business management subsystem, and feed back the comparison and verification results to the business management subsystem;

[0009] The payment management subsystem performs online payment according to the information sent by the business management subsystem;

[0010] The business management subsystem is connected to an image acquisition terminal, and the image acquisition terminal is used to acquire palm vein images of passengers and send train number information, initial station information and final station information.

[0011] Furthermore, the payment management subsystem is connected to a user financial account, and the user information is bound to the user financial account.

[0012] Furthermore, the cloud platform is connected to a smart terminal, and the user registers with the user information management subsystem through the smart terminal and associates with the payment management subsystem.

[0013] Furthermore, the user's financial account has a credit authorization function, and in an offline state, the payment management subsystem can pay the fees through pre-authorization payment.

[0014] A public transportation digital cloud payment method comprises the following steps:

[0015] 1) The user registers a personal account in the user information management subsystem through the smart terminal, enters personal identity information and palm vein biometric data characteristics, and stores the user identity information and the corresponding palm vein biometric data characteristics in the cloud database;

[0016] 2) Connecting the user's financial account with the payment management subsystem to ensure a smooth payment process;

[0017] 3) The palm vein image of the passenger is collected through the image collection terminal, and the train number information, the initial station information and the collected palm vein image are sent to the business management subsystem; the palm vein image is sent to the identity authentication subsystem through the business management subsystem to determine whether the palm vein image of the user is stored in the cloud database;

[0018] 4) Perform palm vein recognition. If the palm vein image of the passenger is stored in the cloud database, the recognition verification is successful. The recognition verification result is sent to the image acquisition terminal through the business management subsystem. The image acquisition terminal prompts that the verification is successful and reminds the passenger to get on the bus;

[0019] 5) The business management subsystem determines the deduction method based on the train number information and the initial station information, sends the determination result to the payment management subsystem, calculates the fee from the initial station to the final station, and deducts the fee in real time through the background network.

[0020] Furthermore, the deduction method is divided into deduction after the first verification and deduction after the second verification; after the identity authentication management subsystem verifies the palm vein image sent by the business management subsystem, the business management subsystem makes a judgment based on the train number information and the initial station information and then executes the deduction; wherein,

[0021] If the train number information is fixed regardless of the distance, the business management subsystem determines that the initial verification has passed and deducts the fee, and sends the determination result to the payment management subsystem, and the payment management subsystem deducts the fee;

[0022] If the train number information is divided into sections according to the length of the ride and the payment is made, the business management subsystem determines that the secondary verification has passed and the fee is deducted. When the passenger gets off the bus and passes the identity verification through the image acquisition terminal again, the image acquisition terminal sends the train number information and the final destination information to the business management subsystem, and the business management subsystem sends the palm vein image to the identity verification management subsystem. After the identity verification management subsystem successfully verifies, the result is fed back to the business management subsystem. The business management subsystem determines that the secondary verification has passed and the fee is deducted, and the determination result is sent to the payment management subsystem for calculation and deduction.

[0023] Furthermore, the palm vein image needs to capture the vein images of the palm, fingers and back of the hand during registration and collection.

[0024] Furthermore, the palm vein image of the user is filtered and binarized, and vein feature values ​​are extracted from the palm vein image to identify the palm vein information of the user.

[0025] Compared with the prior art, the beneficial effects of the present invention are:

[0026] The public transportation digital cloud payment system and method of the present invention extracts and stores the palm vein information of the user. After the palm vein verification is successfully performed after getting on the bus, the user can take the bus, which is convenient and fast, reduces the congestion of queuing for the bus, and avoids the disadvantages of searching bags for change and bus cards in traditional payment methods, as well as the disadvantages of frequently recharging bus cards.

[0027] It should be understood that the contents described in the summary of the invention are not intended to limit the key or important features of the embodiments of the present invention, nor are they intended to limit the scope of the present invention. Other features of the present invention will become easily understood through the following description. BRIEF DESCRIPTION OF THE DRAWINGS

[0028] Other features, objects and advantages of the present invention will become more apparent from the detailed description of non-limiting embodiments made with reference to the following drawings:

[0029] Figure 1A structural block diagram of a public transportation digital cloud payment system provided in an embodiment of the present invention. DETAILED DESCRIPTION

[0030] The present invention will be further described in detail below in conjunction with the accompanying drawings and embodiments. It is to be understood that the specific embodiments described herein are only used to explain the relevant invention, rather than to limit the invention. It should also be noted that, for ease of description, only the parts related to the invention are shown in the accompanying drawings.

[0031] It should be noted that, in the absence of conflict, the embodiments of the present invention and the features in the embodiments can be combined with each other. The present invention will be described in detail below with reference to the accompanying drawings and in combination with the embodiments.

[0032] Please refer to Figure 1 The embodiments of the present invention provide a public transportation digital cloud payment system and method, including a cloud platform as an underlying basic platform, which provides hardware resources such as computing, storage, and network, and also provides software resources such as databases and operating systems; moreover, the cloud platform has a security system, which provides all-round security protection for the cloud management platform, including network security, business security, data security, and secret key security lights, so that the business running on the entire cloud platform is in a safe and protected state.

[0033] The cloud platform runs a user information management subsystem, a payment management subsystem, an identity authentication management subsystem and a business management subsystem;

[0034] The user information management subsystem is connected to the identity authentication management subsystem; the user information management subsystem is used for user registration and entry of palm vein information, and cloud storage of user information and corresponding palm vein information to form a cloud database;

[0035] The business management subsystem is connected to the payment management subsystem; the business management subsystem is used to record and manage the train information, the initial station, the final station and the verification result of the identity verification management subsystem, and feed the information back to the payment management subsystem;

[0036] The business management subsystem determines whether the bus trip is charged a fixed amount or a segmented fee based on the bus number information, that is, whether the price is the same for the entire trip regardless of length, or is charged by segment. The charging method can be determined based on the bus number information. If it is a fixed amount, the result can be sent to the payment management subsystem for deduction after the initial palm vein information verification is successful. If it is a segmented fee, wait for the second palm vein information verification to be successful, and then make a judgment and charge based on the initial and final station information.

[0037] The identity authentication management subsystem is connected to the business management subsystem; the identity authentication management subsystem is used to compare and verify the palm vein information sent by the business management subsystem, and feed back the comparison and verification results to the business management subsystem;

[0038] The payment management subsystem is used to realize functions such as user payment needs, user real-name management, payment institution interface management, and account reconciliation management. It is bound to the user information of the user information management subsystem; and online payment is performed according to the information sent by the business management subsystem;

[0039] The business management subsystem is connected to an image acquisition terminal, and the image acquisition terminal is used to acquire palm vein images of passengers and send train number information, initial station information and final station information.

[0040] In a preferred embodiment, the payment management subsystem is connected to a user financial account, and the user information is bound to the user financial account.

[0041] In a preferred embodiment, the cloud platform is connected to a smart terminal, and the user registers with the user information management subsystem through the smart terminal and associates with the payment management subsystem.

[0042] In a preferred embodiment, the user's financial account has a credit authorization function, and in an offline state, the payment management subsystem can pay the fees through pre-authorized payment.

[0043] A public transportation digital cloud payment method comprises the following steps:

[0044] 1) The user registers a personal account in the user information management subsystem through the smart terminal, enters personal identity information and palm vein biometric data characteristics, and stores the user identity information and the corresponding palm vein biometric data characteristics in the cloud database;

[0045] That is, the user's palm vein information is collected in advance through a designated APP on a smart terminal, stored in a cloud database, and bound to the user's personal identity information, which is also stored in the cloud database;

[0046] 2) Connecting the user's financial account with the payment management subsystem to ensure a smooth payment process;

[0047] 3) The palm vein image of the passenger is collected through the image collection terminal, and the train number information, the initial station information and the collected palm vein image are sent to the business management subsystem; the palm vein image is sent to the identity authentication subsystem through the business management subsystem to determine whether the palm vein image of the user is stored in the cloud database;

[0048] Among them, the image acquisition terminal is installed at the boarding door of the bus, or one is installed at the boarding door and the exit door of the bus, which is used to correspond to the two deduction methods; the image acquisition terminal is equipped with a near-infrared CCD camera for collecting palm vein images of passengers.

[0049] 4) After the palm vein is collected, it is necessary to perform palm vein recognition comparison with the image in the cloud storage database. If the passenger's palm vein image is stored in the cloud database, the recognition verification is successful and corresponds to the personal identity information. The recognition verification result is sent to the image acquisition terminal through the business management subsystem. The image acquisition terminal prompts that the verification is successful and reminds the passenger to get on the bus;

[0050] 5) The business management subsystem determines the deduction method based on the train number information and the initial station information, sends the determination result to the payment management subsystem, calculates the fee from the initial station to the final station, and deducts the fee in real time through the background network.

[0051] In a preferred embodiment, the deduction method is divided into deduction after the first verification and deduction after the second verification; after the identity authentication management subsystem verifies the palm vein image sent by the business management subsystem, the business management subsystem makes a judgment based on the train number information and the initial station information and then executes the deduction; wherein,

[0052] If the train number information is fixed regardless of the distance, the business management subsystem determines that the initial verification has passed and deducts the fee, and sends the determination result to the payment management subsystem, and the payment management subsystem deducts the fee;

[0053] If the train number information is divided into sections according to the length of the ride and the payment is made, the business management subsystem determines that the secondary verification has passed and the fee is deducted. When the passenger gets off the bus and passes the identity verification through the image acquisition terminal again, the image acquisition terminal sends the train number information and the final destination information to the business management subsystem, and the business management subsystem sends the palm vein image to the identity verification management subsystem. After the identity verification management subsystem successfully verifies, the result is fed back to the business management subsystem. The business management subsystem determines that the secondary verification has passed and the fee is deducted, and the determination result is sent to the payment management subsystem for calculation and deduction.

[0054] In a preferred embodiment, the palm vein image needs to capture the vein images of the palm, fingers and back of the hand during registration and acquisition to ensure the integrity and accuracy of the palm vein image.

[0055] In a preferred embodiment, the palm vein image of the user is filtered and binarized, and vein feature values ​​are extracted from the palm vein image to identify the palm vein information of the user.

[0056] Example 1

[0057] The public transportation digital cloud payment method of this embodiment is as follows:

[0058] Pre-acquire the palm vein information of the user, and store the palm vein information of the user in correspondence with the identity information and public transportation payment information of the user; specifically, register through the designated APP on the smart terminal, open the camera to pre-collect the palm vein image of the user and store it in the cloud database;

[0059] Obtaining the palm vein image of the user when riding the bus; specifically, the palm vein image of the user is acquired through the image acquisition terminal on the bus, and then the palm vein image of the user is compared and verified to make it correspond to the corresponding identity information and bus payment information, so as to confirm the identity of the current user and pay the bus fare;

[0060] Determine based on the train number information and initial station information sent by the image acquisition terminal:

[0061] If the train number information is fixed regardless of the distance, the business management subsystem determines that the initial verification has passed and deducts the fee, and sends the determination result to the payment management subsystem, and the payment management subsystem deducts the fee;

[0062] If the train number information is divided into sections according to the length of the ride and the payment is made, the business management subsystem determines that the secondary verification has passed and the fee is deducted. When the passenger gets off the bus and passes the identity verification through the image acquisition terminal again, the image acquisition terminal sends the train number information and the final destination information to the business management subsystem, and the business management subsystem sends the palm vein image to the identity verification management subsystem. After the identity verification management subsystem successfully verifies, the result is fed back to the business management subsystem. The business management subsystem determines that the secondary verification has passed and the fee is deducted, and the determination result is sent to the payment management subsystem for calculation and deduction.

[0063] In the description of this specification, the terms "connection", "installation", "fixation" and the like should be understood in a broad sense. For example, "connection" can be a fixed connection, a detachable connection, or an integral connection; it can be a direct connection or an indirect connection through an intermediate medium. For ordinary technicians in this field, the specific meanings of the above terms in this application can be understood according to specific circumstances.

[0064] In the description of this specification, the description of the terms "one embodiment", "some embodiments", etc. means that the specific features, structures, materials or characteristics described in conjunction with the embodiment or example are included in at least one embodiment or example of the present application. In this specification, the schematic representation of the above terms does not necessarily refer to the same embodiment or example. Moreover, the specific features, structures, materials or characteristics described can be combined in any one or more embodiments or examples in a suitable manner.

[0065] The above are only preferred embodiments of the present application and are not intended to limit the present application. For those skilled in the art, the present application may have various modifications and variations. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present application shall be included in the protection scope of the present application.

Claims

1. A public transportation digital cloud payment system, characterized in that: It includes a cloud platform, on which a user information management subsystem, a payment management subsystem, an identity authentication management subsystem and a business management subsystem are running; wherein, The user information management subsystem is connected to the identity authentication management subsystem; the user information management subsystem is used for user registration and entry of palm vein information, and cloud storage of user information and corresponding palm vein information; The business management subsystem is connected to the payment management subsystem; the business management subsystem is used to record and manage the train information, the initial station, the final station and the verification result of the identity verification management subsystem, and feed the information back to the payment management subsystem; The identity authentication management subsystem is connected to the business management subsystem; the identity authentication management subsystem is used to compare and verify the palm vein information sent by the business management subsystem, and feed back the comparison and verification results to the business management subsystem; The payment management subsystem performs online payment according to the information sent by the business management subsystem; The business management subsystem is connected to an image acquisition terminal, and the image acquisition terminal is used to acquire palm vein images of passengers and send train number information, initial station information and final station information.

2. The public transportation digital cloud payment system according to claim 1 is characterized in that: The payment management subsystem is connected to a user financial account, and the user information is bound to the user financial account.

3. The public transportation digital cloud payment system according to claim 2 is characterized in that: The cloud platform is connected to a smart terminal, and the user registers with the user information management subsystem through the smart terminal and associates with the payment management subsystem.

4. The public transportation digital cloud payment system according to claim 3 is characterized in that: The user's financial account has a credit authorization function, and in an offline state, the payment management subsystem can pay the fees through pre-authorization payment.

5. A public transportation digital cloud payment method, characterized in that: The steps include: 1) The user registers a personal account in the user information management subsystem through the smart terminal, enters personal identity information and palm vein biometric data characteristics, and stores the user identity information and the corresponding palm vein biometric data characteristics in the cloud database; 2) Connecting the user's financial account with the payment management subsystem to ensure a smooth payment process; 3) The palm vein image of the passenger is collected through the image collection terminal, and the train number information, the initial station information and the collected palm vein image are sent to the business management subsystem; the palm vein image is sent to the identity authentication subsystem through the business management subsystem to determine whether the palm vein image of the user is stored in the cloud database; 4) Perform palm vein recognition. If the palm vein image of the passenger is stored in the cloud database, the recognition verification is successful. The recognition verification result is sent to the image acquisition terminal through the business management subsystem. The image acquisition terminal prompts that the verification is successful and reminds the passenger to get on the bus; 5) The business management subsystem determines the deduction method based on the train number information and the initial station information, sends the determination result to the payment management subsystem, calculates the fee from the initial station to the final station, and deducts the fee in real time through the background network.

6. The public transportation digital cloud payment method according to claim 5 is characterized in that: The deduction method is divided into the deduction of the first verification and the deduction of the second verification; after the identity authentication management subsystem verifies the palm vein image sent by the business management subsystem, the business management subsystem makes a judgment based on the train information and the initial station information and then executes the deduction; wherein, If the train number information is fixed regardless of the distance, the business management subsystem determines that the initial verification has passed and deducts the fee, and sends the determination result to the payment management subsystem, and the payment management subsystem deducts the fee; If the train number information is divided into sections according to the length of the ride and the payment is made, the business management subsystem determines that the secondary verification has passed and the fee is deducted. When the passenger gets off the bus and passes the identity verification through the image acquisition terminal again, the image acquisition terminal sends the train number information and the final destination information to the business management subsystem, and the business management subsystem sends the palm vein image to the identity verification management subsystem. After the identity verification management subsystem successfully verifies, the result is fed back to the business management subsystem. The business management subsystem determines that the secondary verification has passed and the fee is deducted, and the determination result is sent to the payment management subsystem for calculation and deduction.

7. The public transportation digital cloud payment method according to claim 6, characterized in that: The palm vein image needs to capture the vein images of the palm, fingers and back of the hand during registration and collection.

8. The public transportation digital cloud payment method according to claim 7 is characterized in that: The palm vein image of the user is filtered and binarized, a vein feature value is extracted from the palm vein image, and the palm vein information of the user is identified.

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