Transfer passenger payment method and related device

Abstract

The invention discloses a transfer passenger payment method and a related device, and relates to the field of civil aviation, and the method comprises the steps: receiving a payment code of a transfer passenger and a to-be-paid order sent by a payee device; analyzing the payment code of the transfer passenger to obtain the total amount of each digital currency red envelope of the transfer passenger and the balance of the digital currency wallet; judging whether the amount of the to-be-paid order is greater than the total amount of each digital currency red envelope; if the amount of the to-be-paid order is greater than the total amount of each digital currency red envelope, calculating a first difference between the amount of the to-be-paid order and the total amount of each digital currency red envelope; and transferring all the amount of money of each digital currency red envelope to a payee, and transferring a first balance in the balance of the digital currency wallet to the payee. The transfer passenger can automatically complete red envelope deduction and balance payment only by displaying the payment code once, so that the payment process is simplified, multiple operations in a traditional payment mode are avoided, and the payment efficiency of the transfer passenger is improved.

Description

Technical Field

[0001] The present application relates to the field of civil aviation, and in particular to a payment method and related devices for transit passengers. Background Art

[0002] In the civil aviation field, transfer passengers refer to passengers who depart from their origin and need to stay briefly at a transfer airport and transfer to another flight within a specified time to reach their final destination. In order to improve the travel experience of transfer passengers and attract them to spend money at transfer airports, transfer airports usually provide transfer passengers with some specific benefits.

[0003] At present, these benefits are usually distributed in the form of electronic red envelopes, which can be used in various merchants in the transit airport. Transit passengers can present the electronic red envelopes, and the recipient can verify the electronic red envelopes by scanning.

[0004] However, when the consumption amount of transit passengers is higher than the amount of the electronic red envelope, the passenger needs to use other payment software or cash to make a second payment after presenting the electronic red envelope. The entire payment process is divided into two parts, the payment process is more cumbersome, and the payment efficiency of transit passengers is low. Summary of the invention

[0005] In view of the above problems, this application provides a payment method and related devices for transit passengers in order to improve the payment efficiency of transit passengers. The specific scheme is as follows:

[0006] In a first aspect, the present application provides a payment method for a transfer passenger, characterized in that the method is applied to a payment system for a transfer passenger, the payment system for the transfer passenger is communicatively connected to a payee device, and the method comprises:

[0007] Receiving the payment code and the order to be paid of the transfer passenger sent by the payee device;

[0008] Parsing the payment code of the transfer passenger to obtain the total amount of each digital currency red packet of the transfer passenger and the balance of the digital currency wallet;

[0009] Determine whether the amount of the order to be paid is greater than the total amount of each of the digital currency red envelopes;

[0010] If the amount of the order to be paid is greater than the total amount of each of the digital currency red envelopes, then calculating a first difference between the amount of the order to be paid and the total amount of each of the digital currency red envelopes;

[0011] The full amount of each of the digital currency red packets is transferred to the payee, and the first difference in the balance of the digital currency wallet is transferred to the payee.

[0012] A second aspect of the present application provides a payment system for transit passengers, wherein the payment system for transit passengers is communicatively connected to a payee device, and is characterized by comprising:

[0013] A receiving unit, configured to receive the payment code and the order to be paid of the transfer passenger sent by the payee device;

[0014] A parsing unit, used to parse the payment code of the transit passenger to obtain the total amount of each digital currency red packet of the transit passenger and the balance of the digital currency wallet;

[0015] A judgment unit, used to judge whether the amount of the order to be paid is greater than the total amount of each of the digital currency red envelopes;

[0016] a calculation unit, configured to calculate a first difference between the amount of the order to be paid and the total amount of each of the digital currency red envelopes if the amount of the order to be paid is greater than the total amount of each of the digital currency red envelopes;

[0017] The transfer unit is used to transfer the total amount of each digital currency red packet to the payee, and transfer the first difference in the balance of the digital currency wallet to the payee.

[0018] A third aspect of the present application provides a computer program product, comprising computer-readable instructions, which, when executed on an electronic device, enables the electronic device to implement the payment method for transit passengers of the first aspect or any implementation of the first aspect.

[0019] A fourth aspect of the present application provides an electronic device, comprising at least one processor and a memory connected to the processor, wherein:

[0020] The memory is used to store computer programs;

[0021] The processor is used to execute the computer program so that the electronic device can implement the payment method for transit passengers of the above-mentioned first aspect or any implementation manner of the first aspect.

[0022] A fifth aspect of the present application provides a computer storage medium, which carries one or more computer programs. When the one or more computer programs are executed by an electronic device, the electronic device can implement the payment method for transit passengers in the above-mentioned first aspect or any implementation of the first aspect.

[0023] By means of the above technical scheme, the present application provides a payment method and related device for transit passengers. The method includes: receiving the payment code and the order to be paid of the transit passenger sent by the payee's device; parsing the payment code of the transit passenger to obtain the total amount of each digital currency red envelope of the transit passenger and the balance of the digital currency wallet; judging whether the amount of the order to be paid is greater than the total amount of each digital currency red envelope; if the amount of the order to be paid is greater than the total amount of each digital currency red envelope, calculating the first difference between the amount of the order to be paid and the total amount of each digital currency red envelope; transferring the total amount of each digital currency red envelope to the payee, and transferring the first difference in the balance of the digital currency wallet to the payee. Transit passengers only need to show the payment code once to automatically complete the red envelope deduction and balance payment, which simplifies the payment process, avoids multiple operations in traditional payment methods, and improves the payment efficiency of transit passengers. BRIEF DESCRIPTION OF THE DRAWINGS

[0024] The above and other features, advantages and aspects of the embodiments of the present disclosure will become more apparent with reference to the following detailed description in conjunction with the accompanying drawings. Throughout the accompanying drawings, the same or similar reference numerals represent the same or similar elements. It should be understood that the drawings are schematic and the originals and elements are not necessarily drawn to scale.

[0025] Figure 1 A flow chart of a payment method for transit passengers provided in an embodiment of the present application;

[0026] Figure 2 A schematic diagram of a process of generating a payment code for a transfer passenger provided in an embodiment of the present application;

[0027] Figure 3 A schematic diagram of a process of generating a signing code for a transfer passenger provided in an embodiment of the present application;

[0028] Figure 4 A schematic diagram of the structure of a payment system for transit passengers provided in an embodiment of the present application;

[0029] Figure 5 A schematic diagram of the hardware structure of a payment device for transit passengers provided in an embodiment of the present application. DETAILED DESCRIPTION

[0030] Embodiments of the present disclosure will be described in more detail below with reference to the accompanying drawings. Although certain embodiments of the present disclosure are shown in the accompanying drawings, it should be understood that the present disclosure can be implemented in various forms and should not be construed as being limited to the embodiments described herein, which are instead provided for a more thorough and complete understanding of the present disclosure. It should be understood that the drawings and embodiments of the present disclosure are only for exemplary purposes and are not intended to limit the scope of protection of the present disclosure.

[0031] The term "including" and its variations used herein are open inclusions, i.e., "including but not limited to". The term "based on" means "based at least in part on". The term "one embodiment" means "at least one embodiment"; the term "another embodiment" means "at least one additional embodiment"; the term "some embodiments" means "at least some embodiments". The relevant definitions of other terms will be given in the following description.

[0032] It should be noted that the concepts such as "first" and "second" mentioned in the present disclosure are only used to distinguish different devices, modules or units, and are not used to limit the order or interdependence of the functions performed by these devices, modules or units.

[0033] It should be noted that the modifications of "one" and "plurality" mentioned in the present disclosure are illustrative rather than restrictive, and those skilled in the art should understand that unless otherwise clearly indicated in the context, it should be understood as "one or more".

[0034] In order to improve the payment efficiency of transit passengers, the present application provides a payment method for transit passengers. The payment method for transit passengers provided by the present application is further described in detail below in conjunction with the accompanying drawings and specific implementation methods.

[0035] Please refer to the attached Figure 1 , Figure 1 A flow chart of a payment method for a transfer passenger provided in an embodiment of the present application. The method is applied to a payment system for transfer passengers, and the payment system for transfer passengers is in communication connection with a payment receiving device, and may include the following steps:

[0036] Step S101: receiving the payment code and order to be paid of the transfer passenger sent by the payee device.

[0037] In this application, the entire payment process begins with the recipient's device (which may be a smart device with a specific APP installed, such as a smartphone or tablet) receiving the payment code and the associated order information to be paid from the transit passenger.

[0038] Specifically, the payment code of the transfer passenger is generated instantly on the front-end interface of the software and other applications (Digital RMB APP and Transfer Passenger Service Pass) in the payee's device, and is displayed to the transfer passenger in the form of a high-definition picture. This instant generation and high-definition display ensures the clarity and readability of the payment code, making it easy for the payee to scan it. The transfer passenger will display the payment code in the software in the payee's device to the payee. The payee scans the payment code displayed by the passenger through the payment function of the software in the payee's device to obtain the payment code of the transfer passenger.

[0039] After obtaining the payment code of the transfer passenger, it can be verified and processed to ensure the accuracy and validity of the payment information, providing a basis for subsequent payment settlement. Among them, timeliness verification: Since the payment code is usually time-sensitive (such as valid within a few minutes), each payment code can be ensured to be valid by confirming whether the current time is within the effective time range of the payment code. Uniqueness verification: The uniqueness of the payment code can be verified by checking whether the payment code has been used or expired, ensuring that each payment code can only be used once. Anti-tampering verification: The payment code can be tamper-proof verified through technical means such as digital signatures and hash verification to ensure that the payment code has not been illegally modified or replaced during transmission. Source verification: By verifying whether the source of the payment code is legal, ensure that it comes from a trusted payment platform or application.

[0040] In order to further improve the security of the payment process, the design of the payment code can be integrated with anti-screenshot and anti-recording mechanisms, which effectively prevents the payment code from being illegally copied or misused, and protects the financial security of transit passengers. Whenever a new payment code is generated, the previous payment code will be immediately invalidated, ensuring the uniqueness and timeliness of each payment code, greatly reducing the potential risks in the payment process. Step S102: Parse the payment code of the transit passenger to obtain the total amount of each digital currency red envelope of the transit passenger and the balance of the digital currency wallet.

[0041] It should be noted that the payment code of the transit passenger usually includes a variety of information related to the transit passenger's payment, including but not limited to the amount of the digital currency red envelope owned by the transit passenger and the balance of the digital currency wallet of the transit passenger.

[0042] In this application, the payment code of the transit passenger can be parsed to extract the amount of all available digital currency red envelopes and the balance of the digital currency wallet of the transit passenger, and the total amount of these digital currency red envelopes can be determined by adding up the code.

[0043] The receiving device receives a digital currency red envelope claim request from a transfer passenger, which includes the transfer passenger's itinerary information. It determines whether the transfer passenger's itinerary information meets the preset itinerary requirements. If the transfer passenger's itinerary information meets the preset itinerary requirements, at least one digital currency red envelope (an electronic form of monetary reward) is sent to the transfer passenger.

[0044] Specifically, when a transfer passenger is transferring at an airport or other transportation hub, the transfer passenger may use a payer device (such as a smartphone, self-service terminal, etc.) to connect to the system. The transfer passenger sends a digital currency red envelope collection request through the payer device. This digital currency red envelope collection request contains the transfer passenger's itinerary information, such as departure place, destination, transfer airport, flight number, expected transfer time, etc. After receiving the digital currency red envelope collection request, the system will automatically check whether the information in the digital currency red envelope collection request meets the preset transfer passenger conditions. These preset conditions may include: the transfer time is within a certain range (such as at least 2 hours but not more than 24 hours), the transfer airport is a specific airport, or the passenger comes from and goes to certain specific regions or countries, etc., to ensure that only passengers who really need transfer services can receive digital currency red envelopes. If the transfer passenger's itinerary information meets the preset itinerary requirements, at least one digital currency red envelope is sent to the transfer passenger. After the transfer passenger is successfully issued, the transfer passenger can view the received digital currency red envelopes, as well as the amount, expiration time, and usage conditions of the digital currency red envelopes on the front-end page of the payer device.

[0045] At the same time, the validity of these digital currency red envelopes can also be verified based on the signature. This includes checking whether the digital currency red envelope is within the validity period, whether it has been used for other payment operations, whether it has been tampered with during the transmission process, and whether the conditions for the use of the digital currency red envelope are met (such as the minimum consumption amount, etc.).

[0046] The payment code of the transit passenger may also include the order number of the transit passenger and the Token (a token for identity authentication) of the transit passenger. The order number of the transit passenger can be used to compare the order number in the payment order to confirm whether the payment code of the transit passenger corresponds to a valid order to be paid. If the order number in the payment code is consistent with the order number in the system, the payment process can continue. If not, the payment process may be interrupted and the user is prompted to check the payment code or order information. The Token can be used to verify the identity of the transit passenger. By comparing the identity information in the Token, it can be confirmed whether the payment request is initiated by a legitimate transit passenger. In addition to identity authentication, the Token can also be used for session management, tracking and identifying the session status of the transit passenger. If the transit passenger is invalid or expired, the transit passenger can be prompted to log in again or verify the identity. Step S103: Determine whether the amount of the order to be paid is greater than the total amount of each digital currency red envelope.

[0047] In this application, it is necessary to clarify the relationship between the amount of the order to be paid and the total amount of the digital currency red envelope. This is a comparison operation to determine whether the balance of the digital currency wallet needs to be used to make up the payment amount.

[0048] When the amount of the order to be paid is greater than the total amount of each digital currency red envelope, step S104 is executed.

[0049] Step S104: Calculate the first difference between the amount of the order to be paid and the total amount of each digital currency red envelope.

[0050] In this application, if the amount of the order to be paid is greater than the total amount of each digital currency red envelope, then it is necessary to calculate the difference between the two amounts, that is, the first difference, the first difference = the amount of the order to be paid - the total amount of the digital currency red envelope. This difference represents the amount that needs to be paid from the digital currency wallet in addition to the digital currency red envelope.

[0051] Step S105: The total amount of each digital currency red packet is transferred to the payee, and the first difference in the balance of the digital currency wallet is transferred to the payee.

[0052] In this application, the red envelope rights are deducted first, that is, the digital currency red envelope first transfers the full amount of the digital currency red envelope to the payee. Then determine whether the first difference is greater than the balance of the digital currency wallet. If the first difference is not greater than the balance of the digital currency wallet, the first difference in the balance of the digital currency wallet is transferred to the payee. If the first difference is greater than the balance of the digital currency wallet of the transit passenger, the second difference between the first difference and the balance of the digital currency wallet is calculated, the second difference in the balance of the digital currency operating institution is transferred to the digital currency wallet, and the first difference in the balance of the digital currency wallet is transferred to the payee.

[0053] Specifically, if the first difference is not greater than the balance of the digital currency wallet, it means that the balance of the digital currency wallet is sufficient to pay the first difference), the first difference will be directly transferred from the balance of the digital currency wallet to the payee.

[0054] If the first difference is greater than the balance of the digital currency wallet, it means that the balance of the digital currency wallet is not enough to pay the first difference. At this time, it is necessary to calculate another difference, that is, the second difference, and the second difference = the first difference - the balance of the digital currency wallet. The second difference indicates the additional amount that the digital currency wallet needs to replenish to pay the first difference. Transferring the second difference from the balance of the digital currency operating institution to the digital currency wallet is equivalent to the digital currency operating institution providing temporary financial support for transit passengers so that the balance of the digital currency wallet can cover the first difference. Then transfer the first difference from the balance of the digital currency wallet to the payee. In the case of insufficient balance in the digital currency wallet, the digital currency operating institution is used as a backup source of funds to ensure the smooth completion of the transaction, thereby improving the flexibility and reliability of digital currency transactions.

[0055] It should be noted that the digital currency wallet can be bound to the account corresponding to the digital currency operator. If the transit passenger chooses to bind the account corresponding to the digital currency operator and hopes to use the funds in the account corresponding to the digital currency operator to pay, then when the balance of the digital currency wallet is insufficient, the system will automatically recharge funds from the account corresponding to the digital currency operator to the digital currency wallet to ensure that the payment can be completed smoothly. This binding behavior is determined by the personal wishes of the transit passenger, and the software and other applications of the payer's device provide the corresponding binding function.

[0056] During the process of the digital currency operator recharging the digital currency wallet, the digital currency operator will transfer the corresponding first difference from the digital currency operator's account to the payee's account according to the payment instruction. This step is the actual fund transfer process, which ensures the execution of the payment instruction. After the digital currency operator completes the deduction, it receives the payment notification sent by the digital currency operator. This payment notification contains relevant information about the payment result, such as the transaction number (a unique number generated by the digital currency operator to identify the transaction), the payment amount, the signature, etc. A series of verification operations can be performed on the relevant information of the payment result (such as checking whether the transaction number is unique, whether the payment amount matches, whether the signature is valid, etc.) to ensure the authenticity and reliability of the payment result. In the case where the amount of the order to be paid is not greater than the total amount of each digital currency red envelope, the following steps can be performed: If the amount of the order to be paid is not greater than the total amount of each digital currency red envelope, the digital currency red envelopes are sorted in the order of the expiration time of each digital currency red envelope from early to late to obtain the sorting result. According to the sorting result, each digital currency red envelope is used as the current digital currency red envelope in turn. Determine whether the amount of the current digital currency red envelope is less than the amount of the order to be paid. If the amount of the current digital currency red envelope is less than the amount of the order to be paid, transfer the amount of the current digital currency red envelope to the payee, calculate the third difference between the amount of the order to be paid and the amount of the current digital currency red envelope, and update the amount of the order to be paid to the third difference, and return to execute the step of using each digital currency red envelope as the current digital currency red envelope in sequence according to the sorting result. If the amount of the current digital currency red envelope is not less than the amount of the order to be paid, transfer the third difference in the amount of the current digital currency red envelope to the payee.

[0057] Specifically, when the amount of the order to be paid is not greater than the total amount of each digital currency red envelope, it will first be sorted from early to late according to the expiration time of each digital currency red envelope. The purpose of sorting is to give priority to the red envelopes that are about to expire to avoid waste caused by expired red envelopes. This process is transparent to transit passengers and there is no need to manually select and switch red envelopes, thereby simplifying the payment process and improving efficiency. According to the sorting results, each digital currency red envelope is regarded as the current digital currency red envelope in turn. Then it is determined whether the amount of the current digital currency red envelope is less than the amount of the order to be paid.

[0058] If the amount of the current digital currency red envelope is less than the amount of the order to be paid, the entire amount of the current digital currency red envelope can be transferred to the payee, and the difference between the amount of the order to be paid and the amount of the current digital currency red envelope, i.e. the third difference, is calculated. The third difference = the amount of the order to be paid - the amount of the current digital currency red envelope, and then the amount of the order to be paid is updated to the third difference, and the step of selecting the next red envelope in sequence according to the sorting result is returned. This process will continue until the amount of the order to be paid is fully paid.

[0059] If the amount of the current digital currency red envelope is not less than the amount of the order to be paid, the portion of the current digital currency red envelope equivalent to the amount of the order to be paid will be directly transferred to the payee, and the remaining amount will remain in the digital currency red envelope. This digital currency red envelope can not only be used once to pay the order, but the remaining amount can also be used in future consumption, which improves the flexibility and practicality of the red envelope and enables passengers to make full use of the red envelope resources in multiple consumption.

[0060] Regardless of whether the amount of the order to be paid exceeds the total amount of the digital currency red envelope, once the payment is successful, the transaction status of the order to be paid can be changed from "to be paid" to "paid", indicating that the payment process has been completed and the order has been successfully settled. At the same time, according to business needs, other related businesses can also be processed, such as order processing, inventory updates, etc. The relevant information of the payment transaction is recorded and stored, including the transaction number, payment time, payment amount, etc. This information is very important for subsequent financial reconciliation and business analysis.

[0061] In summary, the present application provides a payment method for transit passengers, the method comprising: receiving a payment code and an order to be paid of a transit passenger sent by a payee device. Parsing the payment code of the transit passenger to obtain the total amount of each digital currency red envelope of the transit passenger and the balance of the digital currency wallet. Determine whether the amount of the order to be paid is greater than the total amount of each digital currency red envelope. If the amount of the order to be paid is greater than the total amount of each digital currency red envelope, calculate the first difference between the amount of the order to be paid and the total amount of each digital currency red envelope. Transfer the total amount of each digital currency red envelope to the payee, and transfer the first difference in the balance of the digital currency wallet to the payee. The transit passenger only needs to show the payment code once to automatically complete the red envelope deduction and balance payment, which simplifies the payment process, avoids multiple operations in traditional payment methods, and improves the payment efficiency of transit passengers.

[0062] The flow chart and block diagram in the accompanying drawings illustrate the possible architecture, function and operation of the system, method and computer program product according to various embodiments of the present disclosure. In this regard, each square box in the flow chart or block diagram can represent a module, a program segment or a part of a code, and the module, the 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 implementations as replacements, the functions marked in the square box can also occur in a sequence different from that marked in the accompanying drawings. For example, two square 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 square box in the block diagram and / or flow chart, and the combination of the square boxes in the block diagram and / or flow chart 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.

[0063] On the basis of the above-mentioned embodiments disclosed in the present application, in another embodiment of the present application, the payment system of the transit passengers is also connected in communication with the payer's device, and before receiving the payment code of the transit passengers sent by the payee's device, the specific implementation method of the method for generating the payment code of the transit passengers is described in detail.

[0064] As an example of an implementation method, please see the attached Figure 2 , is a process diagram of a method for generating a payment code for a transfer passenger provided in an embodiment of the present application. The method may include the following steps:

[0065] Step S201: receiving a payment code generation request from a transfer passenger sent by a payer's device.

[0066] In this application, when the transit passenger decides to make a payment, an action is triggered on the payee's device (such as clicking a "pay" button), which sends a payment code generation request.

[0067] Step S202: Determine whether the payment code generation request of the transit passenger includes the contract code of the transit passenger.

[0068] In this application, it is necessary to check whether the payment code generation request contains the contract code of the transfer passenger. The contract code is obtained by the passenger when signing a contract with the payment system in advance, and is used to confirm the identity and payment authority of the transfer passenger.

[0069] In the case that the payment code generation request of the transit passenger does not include the contract code of the transit passenger, step S203 is executed.

[0070] Step S203: Send a contract signing reminder to the payer's device.

[0071] In this application, if the payment code generation request of the transit passenger does not include the signing code, it means that the passenger may not have completed the signing process of the payment system. At this time, a signing reminder will be sent to the payer's device to guide the transit passenger to complete the signing.

[0072] If the payment code generation request of the transfer passenger includes the contract code of the transfer passenger, step S204 is executed. Step S204: calling the payment code interface to generate the payment code of the transfer passenger, and sending the payment code of the transfer passenger to the payer device.

[0073] In this application, if the payment code generation request of the transit passenger includes the signing code, the payment code interface can be called to generate a unique payment code for the transit passenger based on the total amount of each digital currency red envelope of the transit passenger, the balance of the digital currency wallet, the default payment method and other information, and the payment code of the transit passenger is sent back to the payer's device.

[0074] In order to ensure data security, advanced asymmetric encryption technology is used to encrypt core data. Asymmetric encryption technology uses a pair of keys (public key and private key) for encryption and decryption. The public key is used to encrypt data and the private key is used to decrypt data, thereby ensuring the security of data during transmission. In addition, the generated payment code can have an expiration date (such as 90 seconds), during which the payment code remains valid for transfer passengers to make payment operations. Once the timeout expires, the payment code will automatically expire, and a new payment code will be immediately generated to replace the old one, effectively preventing the payment code from being maliciously used or abused.

[0075] In summary, the method for generating a payment code for a transit passenger provided in the embodiment of the present application quickly responds to a payment code generation request through an automated process, reduces manual intervention and waiting time, and improves payment efficiency. The use of security measures such as asymmetric encryption technology and payment code validity period restrictions effectively protects the payment information and financial security of transit passengers.

[0076] On the basis of the above-mentioned embodiments disclosed in the present application, in another embodiment of the present application, the payment system of the transit passenger is also connected in communication with the digital currency operating institution. If the payment code generation request of the transit passenger does not include the signing code of the transit passenger, a signing reminder is sent to the payer's device, and the specific implementation method of the method for generating the signing code of the transit passenger is described in detail.

[0077] As an example of an implementation method, please see the attached Figure 3 , is a schematic diagram of a process of generating a signing code for a transfer passenger provided in an embodiment of the present application. The method may include the following steps:

[0078] Step S301: receiving a contract signing request of a transit passenger sent by a payer device, where the contract signing request includes the identity information of the transit passenger.

[0079] In this application, when a transit passenger makes payment for the first time, the transit passenger is required to send a signing request on the payer's device. The signing request is intended to establish or update a payment relationship. This signing request usually contains the specific terms and conditions of the payment agreement that the passenger wishes to sign with the payment service provider, as well as the information necessary for identity verification.

[0080] Step S302: The identity information of the transit passenger is sent to the digital currency operating institution, so that the digital currency operating institution authenticates the transit passenger based on the identity information of the transit passenger and generates a verification code for the transit passenger.

[0081] In this application, the identity information of the transit passengers is sent to the digital currency operating institution (which can be a bank or other financial institution). The digital currency operating institution can authenticate the transit passengers based on this identity information to ensure their authenticity. After the verification is passed, the digital currency operating institution may send a verification code to the transit passengers via SMS or other means.

[0082] Step S303: receiving the verification code of the transit passenger sent by the payer's device. The verification code of the transit passenger sent by the payer's device is sent to the payer's device by the digital currency operating institution.

[0083] In this application, the digital currency operator sends the verification code of the transit passenger to the payer's device, and the payer's device then sends the verification code of the transit passenger to the transit passenger's payment system. The verification code of the transit passenger is used to confirm that the transit passenger has successfully received and verified the identity authentication information.

[0084] Step S304: Send the verification code of the transit passenger to the digital currency operating institution, so that the digital currency operating institution generates a signing code for the transit passenger based on the verification code of the transit passenger.

[0085] In this application, the verification code of the transit passenger is sent back to the digital currency operating institution. This step is to confirm that the transit passenger has correctly entered the verification code, thus completing the final step of identity verification. After receiving the correct verification code, the digital currency operating institution will generate a unique signing code for the transit passenger.

[0086] Step S305: Receive the signing code of the transit passenger sent by the digital currency operating institution, and send the signing code of the transit passenger to the payer's device.

[0087] In this application, the signing code of the transfer passenger sent by the digital currency operator is received and sent to the payer's device. The signing code is the key to the subsequent generation of the payment code and payment. It will be securely stored in the software background of the payer's device for subsequent use by the transfer passenger.

[0088] In summary, the method for generating a contract code for a transit passenger provided in the embodiment of the present application performs identity verification of the transit passenger through a digital currency operating institution, and then generates a contract code for the transit passenger, thereby ensuring the authenticity of the transit passenger's identity and the security of payment, effectively preventing fraud, and protecting the financial security of the transit passenger. Once the contract is signed, the transit passenger does not need to authenticate his identity again when making payments in the future, which simplifies the payment process and improves payment efficiency.

[0089] A payment method for transfer passengers provided in an embodiment of the present application is introduced above, and a payment system for transfer passengers implementing the above method will be introduced below.

[0090] See also Figure 4 , Figure 4 A schematic diagram of a payment system for transit passengers provided in an embodiment of the present application. Figure 4 As shown, the payment system of the transfer passenger is connected to the payment recipient's device in communication, and the payment system of the transfer passenger includes:

[0091] The receiving unit 11 is used to receive the payment code and the order to be paid of the transfer passenger sent by the payee device.

[0092] The parsing unit 12 is used to parse the payment code of the transit passenger to obtain the total amount of each digital currency red packet of the transit passenger and the balance of the digital currency wallet.

[0093] The judgment unit 13 is used to judge whether the amount of the order to be paid is greater than the total amount of each of the digital currency red packets.

[0094] The calculation unit 14 is used to calculate the first difference between the amount of the order to be paid and the total amount of each of the digital currency red packets if the amount of the order to be paid is greater than the total amount of each of the digital currency red packets.

[0095] The transfer unit 15 is used to transfer the total amount of each digital currency red packet to the payee, and transfer the first difference in the balance of the digital currency wallet to the payee.

[0096] In a possible implementation, the system further includes:

[0097] The first request receiving unit is used to receive the digital currency red envelope collection request of the transit passenger sent by the payee device, and the digital currency red envelope collection request includes the itinerary information of the transit passenger.

[0098] The information determination unit is used to determine whether the itinerary information of the transfer passenger meets the preset itinerary requirements.

[0099] The first sending unit is used to send at least one digital currency red packet to the transit passenger if the itinerary information of the transit passenger meets the preset itinerary requirements.

[0100] In a possible implementation, the payment system of the transit passenger is also in communication connection with the payer device, and the system further includes:

[0101] The second request receiving unit is used to receive the payment code generation request of the transfer passenger sent by the payer device.

[0102] The request determination unit is used to determine whether the payment code generation request of the transfer passenger contains the signing code of the transfer passenger.

[0103] The second sending unit is used to send a signing reminder to the payer device if the payment code generation request of the transit passenger does not include the signing code of the transit passenger.

[0104] A generating unit is configured to call a payment code interface to generate a payment code for the transfer passenger if the payment code generation request for the transfer passenger includes the contract code for the transfer passenger, and send the payment code for the transfer passenger to the payer device.

[0105] In a possible implementation, the payment system of the transit passenger is also connected to the digital currency operating institution in communication, and the system further includes:

[0106] The third request receiving unit is used to receive the contract signing request of the transit passenger sent by the payer device, where the contract signing request includes the identity information of the transit passenger.

[0107] The third sending unit is used to send the identity information of the transit passenger to the digital currency operating institution, so that the digital currency operating institution authenticates the transit passenger based on the identity information of the transit passenger and generates a verification code for the transit passenger.

[0108] The first verification code receiving unit is used to receive the verification code of the transit passenger sent by the payer device, where the verification code of the transit passenger sent by the payer device is sent by the digital currency operating institution to the payer device.

[0109] The fourth sending unit is used to send the verification code of the transit passenger to the digital currency operating institution, so that the digital currency operating institution generates the signing code of the transit passenger based on the verification code of the transit passenger.

[0110] The second verification code receiving unit is used to receive the signing code of the transit passenger sent by the digital currency operating institution, and send the signing code of the transit passenger to the payer device.

[0111] In a possible implementation, the transfer unit 15 includes:

[0112] The judging subunit is used to judge whether the first difference is greater than the balance of the digital currency wallet.

[0113] The first transfer subunit is used to transfer the first difference in the balance of the digital currency wallet to the payee if the first difference is not greater than the balance of the digital currency wallet.

[0114] The second transfer sub-unit is used to calculate the second difference between the first difference and the balance of the digital currency wallet if the first difference is greater than the balance of the digital currency wallet of the transit passenger, transfer the second difference in the balance of the digital currency operating institution to the digital currency wallet, and transfer the first difference in the balance of the digital currency wallet to the payee.

[0115] In a possible implementation, the system further includes:

[0116] The sorting unit is used to sort the digital currency red envelopes according to the expiration time of each digital currency red envelope from early to late if the amount of the order to be paid is not greater than the total amount of each digital currency red envelope to obtain a sorting result.

[0117] A determination unit is used to sequentially use each of the digital currency red envelopes as the current digital currency red envelope according to the sorting result.

[0118] The amount judgment unit is used to judge whether the amount of the current digital currency red envelope is less than the amount of the order to be paid.

[0119] The first amount transfer unit is used to transfer the amount of the current digital currency red envelope to the payee if the amount of the current digital currency red envelope is less than the amount of the order to be paid, calculate the third difference between the amount of the order to be paid and the amount of the current digital currency red envelope, update the amount of the order to be paid to the third difference, and return to execute the step of taking each of the digital currency red envelopes as the current digital currency red envelope in turn according to the sorting result.

[0120] The second amount transfer unit is used to transfer the third difference in the amount of the current digital currency red envelope to the payee if the amount of the current digital currency red envelope is not less than the amount of the order to be paid.

[0121] The present application also provides an electronic device in an embodiment. Figure 5 As shown, it shows a schematic diagram of the structure of an electronic device suitable for implementing the embodiment of the present application. The electronic device in the embodiment of the present application may include but is not limited to fixed terminals such as mobile phones, laptops, PDAs (personal digital assistants), PADs (tablet computers), desktop computers, etc. Figure 5 The electronic 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.

[0122] like Figure 5 As shown, the electronic device may include a processing device (e.g., a central processing unit, a graphics processing unit, etc.) 501, which can perform various appropriate actions and processes according to a program stored in a read-only memory (ROM) 502 or a program loaded from a storage device 508 to a random access memory (RAM) 503. When the electronic device is powered on, various programs and data required for the operation of the electronic device are also stored in the RAM 503. The processing device 501, the ROM 502, and the RAM 503 are connected to each other via a bus 504. An input / output (I / O) interface 505 is also connected to the bus 504.

[0123] Typically, the following devices may be connected to the I / O interface 505: an input device 506 including, for example, a touch screen, a touch pad, a keyboard, a mouse, a camera, a microphone, an accelerometer, a gyroscope, etc.; an output device 507 including, for example, a liquid crystal display (LCD), a speaker, a vibrator, etc.; a storage device 508 including, for example, a memory card, a hard disk, etc.; and a communication device 509. The communication device 509 may allow the electronic device to communicate with other devices wirelessly or by wire to exchange data. Although Figure 5 An electronic device having various devices is shown, but it should be understood that it is not required to implement or possess all the devices shown. More or fewer devices may be implemented or possessed instead.

[0124] Also provided in an embodiment of the present application is a computer program product including computer-readable instructions. When the computer-readable instructions are executed on an electronic device, the electronic device implements any one of the itinerary batch printing methods provided in the embodiments of the present application.

[0125] A computer-readable storage medium is also provided in an embodiment of the present application. The storage medium carries one or more computer programs. When one or more computer programs are executed by an electronic device, the electronic device can implement any one of the itinerary batch printing methods provided in the embodiment of the present application.

[0126] In this specification, each embodiment is described in a progressive manner, and each embodiment focuses on the differences from other embodiments. The same or similar parts between the embodiments can be referred to each other. For the device disclosed in the embodiment, since it corresponds to the method disclosed in the embodiment, the description is relatively simple, and the relevant parts can be referred to the method part.

[0127] It should also be noted that the device embodiments described above are merely schematic, wherein the units described as separate components may or may not be physically separated, and the components displayed as units may or may not be physical units, that is, 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. In addition, in the accompanying drawings of the device embodiments provided by the present application, the connection relationship between the modules indicates that there is a communication connection between them, which may be specifically implemented as one or more communication buses or signal lines. A person of ordinary skill in the art can understand and implement it without paying any creative work.

[0128] Through the description of the above implementation methods, the technicians in the relevant field can clearly understand that the present application can be implemented by means of software plus necessary general hardware, and of course it can also be implemented by special hardware including special integrated circuits, special CPUs, special memories, special components, etc. In general, all functions completed by computer programs can be easily implemented by corresponding hardware, and the specific hardware structures used to implement the same function can also be various, such as analog circuits, digital circuits or special circuits. However, for the present application, software program implementation is a better implementation method in more cases. Based on such an understanding, the technical solution of the present application is essentially or the part that contributes to the prior art can be embodied in the form of a software product, which is stored in a readable storage medium, such as a computer floppy disk, a U disk, a mobile hard disk, a read-only memory (ROM, Read-Only Memory), a random access memory (RAM, Random Access Memory), a disk or an optical disk, etc., including a number of instructions to enable a computer device (which can be a personal computer, a server, or a network device, etc.) to execute the methods described in each embodiment of the present application.

[0129] In summary, the above embodiments are only used to illustrate the technical solutions of the present application, rather than to limit them. Although the present application is described in detail with reference to the above embodiments, a person of ordinary skill in the art should understand that the technical solutions described in the above embodiments can still be modified, or some of the technical features can be replaced by equivalents. However, these modifications or replacements do not deviate the essence of the corresponding technical solutions from the spirit and scope of the technical solutions of the embodiments of the present application.

[0130] Although the subject matter has been described in language specific to structural features and / or methodological logical actions, it should be understood that the subject matter defined in the appended claims is not necessarily limited to the specific features or actions described above. On the contrary, the specific features and actions described above are merely example forms of implementing the claims.

Claims

1. A payment method for transit passengers, characterized in that: A payment system applied to a transfer passenger, wherein the payment system of the transfer passenger is in communication connection with a payee device, and the method comprises: Receiving the payment code and the order to be paid of the transfer passenger sent by the payee device; Parsing the payment code of the transfer passenger to obtain the total amount of each digital currency red packet of the transfer passenger and the balance of the digital currency wallet; Determine whether the amount of the order to be paid is greater than the total amount of each of the digital currency red envelopes; If the amount of the order to be paid is greater than the total amount of each of the digital currency red envelopes, then calculating a first difference between the amount of the order to be paid and the total amount of each of the digital currency red envelopes; The full amount of each of the digital currency red packets is transferred to the payee, and the first difference in the balance of the digital currency wallet is transferred to the payee.

2. The payment method for transit passengers according to claim 1, characterized in that: The method further comprises: receiving a digital currency red envelope claiming request from the transfer passenger sent by the payee device, wherein the digital currency red envelope claiming request includes itinerary information of the transfer passenger; Determining whether the itinerary information of the transfer passenger meets the preset itinerary requirements; If the itinerary information of the transit passenger meets the preset itinerary requirements, at least one digital currency red envelope is sent to the transit passenger.

3. The payment method for transit passengers according to claim 1, characterized in that: The payment system of the transfer passenger is also connected to the payer device in communication. Before receiving the payment code of the transfer passenger sent by the payee device, the method further includes: receiving a payment code generation request of the transfer passenger sent by the payer device; Determining whether the payment code generation request of the transfer passenger includes the contract code of the transfer passenger; If the payment code generation request of the transfer passenger does not include the contract signing code of the transfer passenger, sending a contract signing reminder to the payer device; If the payment code generation request of the transfer passenger includes the contract code of the transfer passenger, the payment code interface is called to generate the payment code of the transfer passenger, and the payment code of the transfer passenger is sent to the payer device.

4. The payment method for transit passengers according to claim 3, characterized in that: The payment system of the transfer passenger is also connected to the digital currency operating institution in communication. After sending a signing reminder to the payer device if the payment code generation request of the transfer passenger does not include the signing code of the transfer passenger, the method further includes: receiving a contract signing request of the transfer passenger sent by the payer device, wherein the contract signing request includes identity information of the transfer passenger; Sending the identity information of the transfer passenger to the digital currency operating institution, so that the digital currency operating institution authenticates the transfer passenger based on the identity information of the transfer passenger and generates a verification code for the transfer passenger; Receiving the verification code of the transit passenger sent by the payer device, where the verification code of the transit passenger sent by the payer device is sent by the digital currency operating institution to the payer device; Sending the verification code of the transfer passenger to the digital currency operating institution, so that the digital currency operating institution generates a signing code of the transfer passenger based on the verification code of the transfer passenger; Receive the signing code of the transit passenger sent by the digital currency operating institution, and send the signing code of the transit passenger to the payer device.

5. The payment method for transit passengers according to claim 4, characterized in that: The transferring the first difference in the balance of the digital currency wallet to the payee comprises: Determining whether the first difference is greater than the balance of the digital currency wallet; If the first difference is not greater than the balance of the digital currency wallet, transferring the first difference in the balance of the digital currency wallet to the payee; If the first difference is greater than the balance of the digital currency wallet of the transit passenger, a second difference between the first difference and the balance of the digital currency wallet is calculated, the second difference in the balance of the digital currency operating institution is transferred to the digital currency wallet, and the first difference in the balance of the digital currency wallet is transferred to the payee.

6. The payment method for transit passengers according to claim 1, characterized in that: After determining whether the amount of the order to be paid is greater than the total amount of each of the digital currency red envelopes, the method further includes: If the amount of the order to be paid is not greater than the total amount of each of the digital currency red envelopes, sorting the digital currency red envelopes in order of their expiration time from early to late to obtain a sorting result; According to the sorting results, each of the digital currency red envelopes is used as the current digital currency red envelope; Determine whether the amount of the current digital currency red envelope is less than the amount of the order to be paid; If the amount of the current digital currency red envelope is less than the amount of the order to be paid, the amount of the current digital currency red envelope is transferred to the payee, a third difference between the amount of the order to be paid and the amount of the current digital currency red envelope is calculated, and the amount of the order to be paid is updated to the third difference, and the step of taking each of the digital currency red envelopes as the current digital currency red envelope in turn according to the sorting result is returned to be executed; If the amount of the current digital currency red envelope is not less than the amount of the order to be paid, the third difference in the amount of the current digital currency red envelope is transferred to the payee.

7. A payment system for transit passengers, wherein the payment system for transit passengers is communicatively connected to a payment recipient device, characterized in that: include: A receiving unit, configured to receive the payment code and the order to be paid of the transfer passenger sent by the payee device; A parsing unit, used to parse the payment code of the transit passenger to obtain the total amount of each digital currency red packet of the transit passenger and the balance of the digital currency wallet; A judgment unit, used to judge whether the amount of the order to be paid is greater than the total amount of each of the digital currency red envelopes; a calculation unit, configured to calculate a first difference between the amount of the order to be paid and the total amount of each of the digital currency red envelopes if the amount of the order to be paid is greater than the total amount of each of the digital currency red envelopes; The transfer unit is used to transfer the total amount of each digital currency red packet to the payee, and transfer the first difference in the balance of the digital currency wallet to the payee.

8. A computer program product, characterized in that It comprises computer-readable instructions, and when the computer-readable instructions are executed on an electronic device, the electronic device implements the payment method for transit passengers as claimed in any one of claims 1 to 6.

9. An electronic device, characterized in that: The method comprises at least one processor and a memory connected to the processor, wherein: The memory is used to store computer programs; The processor is used to execute the computer program so that the electronic device can implement the payment method for transit passengers as described in any one of claims 1 to 6.

10. A computer storage medium, characterized in that: The storage medium carries one or more computer programs, and when the one or more computer programs are executed by an electronic device, the electronic device can implement the payment method for transit passengers as described in any one of claims 1 to 6.

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