Payment method and device based on multifunctional IC card, storage medium and computer program product

Abstract

The invention discloses a payment method and device based on a multifunctional IC card, a storage medium and a computer program product, and relates to the technical field of intelligent card payment, and the method comprises the steps: receiving a transaction application and a transaction scene triggered by the multifunctional IC card, and the multifunctional IC card is configured with a virtual consumption limit and a third-party payment account; when the transaction scene is a public traffic scene, deducting a consumption amount from a virtual consumption limit of the multifunctional IC card according to the transaction application, and periodically obtaining transaction data according to the consumption amount for batch payment; and when the transaction scene is a non-public traffic scene, deducting a consumption amount from the third-party payment account according to the transaction application for direct payment. According to different transaction scenes, virtual quotas are integrated, periodic payment is carried out, and the cross-domain payment capability of non-card-holding card-passing enterprises is realized under the rigid constraint of zero transformation of terminal equipment.

Description

Technical Field

[0001] The present application relates to the field of smart card payment technology, and in particular to a payment method, device, storage medium and computer program product based on a multi-functional IC card. Background Art

[0002] When the existing city card system is expanded to non-transportation payment scenarios, it needs to rely on the payment and settlement capabilities of the card companies themselves. Since card companies that do not hold payment licenses cannot directly handle financial payment services, third-party payment applications and card systems use independent hardware modules, resulting in the inability to achieve secure interaction of transaction data within the card, and the need for additional terminal equipment modification to support dual-system communication protocols. In addition, offline transaction deductions in public transportation scenarios rely on the fixed-amount electronic wallet pre-stored in the IC card, which cannot be linked to the credit status of the third-party payment account in real time, resulting in an increased rate of deduction failures after the transaction is completed.

[0003] Therefore, how to achieve smooth payment in multiple fields by non-licensed card companies without the constraint of modifying public transportation terminal equipment has become an urgent problem to be solved in this application.

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

[0005] The main purpose of this application is to provide a payment method, device, storage medium and computer program product based on a multi-functional IC card, aiming to solve the problem of achieving smooth payment in multiple fields by non-licensed card companies without the constraint of modifying public transportation terminal equipment.

[0006] To achieve the above purpose, the present application proposes a payment method based on a multifunctional IC card, which is applied to a multifunctional IC card management platform. The payment method includes: Receiving a transaction application and a transaction scenario triggered by a multifunctional IC card, wherein the multifunctional IC card is configured with a virtual consumption limit and a third-party payment account; When the transaction scenario is a public transportation scenario, the consumption amount is deducted from the virtual consumption amount of the multifunctional IC card according to the transaction application, and transaction data is periodically obtained according to the consumption amount for batch payment; When the transaction scenario is a non-public transportation scenario, the consumption amount is deducted from the third-party payment account according to the transaction application for direct payment.

[0007] In one embodiment, before the step of receiving the transaction application and transaction scenario triggered by the multifunctional IC card, the step further includes: receiving a user card purchase request sent by a mobile user terminal, and sending a credit verification instruction to a third-party payment institution according to the user card purchase request, so that the third-party payment institution returns the user credit limit value according to the credit verification instruction; The user credit limit value is received, and if the user credit limit value is not less than a preset user credit limit threshold, the IC card number of the multifunctional IC card is bound to the third-party payment account, and the multifunctional IC card is activated.

[0008] In one embodiment, when the transaction scenario is a public transportation scenario, the steps of deducting the consumption amount from the virtual consumption limit of the multifunctional IC card according to the transaction application, and periodically acquiring transaction data for batch payment according to the consumption amount include: When the transaction scenario is a public transportation scenario, deducting the consumption amount from the virtual consumption limit of the multifunctional IC card according to the transaction application; periodically acquiring transaction data according to the consumption amount, screening the transaction data and initiating a batch transaction request according to the screened transaction data, and applying for batch deduction according to the batch transaction request; If the batch deduction exceeds the preset single consumption limit or daily cumulative consumption threshold of the multi-functional IC card, the identity verification process is triggered, and the preset single consumption limit or daily cumulative consumption threshold is set and managed by the user through the setting management instruction sent by the client; If the batch deductions do not exceed the preset single consumption limit or daily cumulative consumption threshold of the multi-functional IC card, batch payment is performed.

[0009] In one embodiment, if the batch deduction does not exceed the preset single consumption limit or daily cumulative consumption threshold of the multi-functional IC card, the step of performing batch payment further includes: If the virtual consumption limit after deducting the consumption amount in real time is lower than the preset virtual consumption limit lower limit, the virtual consumption limit is restored to the preset virtual consumption limit upper limit; The recovery timestamp is recorded, and the preset upper limit of the virtual consumption amount is adjusted in combination with the historical recovery frequency.

[0010] In one embodiment, if the batch deduction does not exceed the preset single consumption limit or daily cumulative consumption threshold of the multi-functional IC card, the step of performing batch payment further includes: When the batch payment fails, adjusting the IC card product credit value according to the historical usage data of the multifunctional IC card; When the credit value of the IC card product is lower than a preset IC card product credit threshold, the IC card number of the multifunctional IC card is added to a blacklist, and the multifunctional IC card is locked.

[0011] In one embodiment, when the transaction scenario is a non-public transportation scenario, the step of deducting the consumption amount from the third-party payment account according to the transaction application for direct payment includes: When the transaction scenario is a non-public transportation scenario, reading the multifunctional IC card according to the transaction application; A direct payment request is sent to a third-party payment institution according to the read result, so that the third-party payment institution deducts the consumption amount from the third-party payment account for direct payment according to the direct payment request.

[0012] In one embodiment, when the transaction scenario is a public transportation scenario, the step of deducting the consumption amount from the virtual consumption limit of the multifunctional IC card according to the transaction application, and periodically acquiring transaction data for batch payment according to the consumption amount further includes: Determine the amount of user's outstanding fees and the arrears period according to the batch payment result, calculate the credit value deduction value, and send a payment reminder based on the amount of user's outstanding fees, the arrears period, and the credit value deduction value; Download the blacklist periodically, and when the transaction scenario is a public transportation scenario, send a gate-prohibition prompt according to the IC number in the blacklist; The payment balance of the locked multifunctional IC card is checked regularly to see if it is sufficient. If the payment balance is sufficient, deductions are made according to the amount of outstanding fees owed by the user, and the credit value of the IC card product is restored.

[0013] In addition, to achieve the above-mentioned purpose, the present application also proposes a payment device, which includes: a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the computer program is configured to implement the steps of the payment method based on the multi-function IC card as described above.

[0014] In addition, to achieve the above-mentioned purpose, the present application also proposes a storage medium, which is a computer-readable storage medium, and a computer program is stored on the storage medium. When the computer program is executed by the processor, the steps of the payment method based on the multi-function IC card as described above are implemented.

[0015] In addition, to achieve the above-mentioned purpose, the present application also provides a computer program product, which includes a computer program, and when the computer program is executed by a processor, it implements the steps of the payment method based on the multi-functional IC card as described above.

[0016] One or more technical solutions proposed in this application have at least the following technical effects: Receive a transaction application and transaction scenario triggered by a multifunctional IC card, wherein the multifunctional IC card is configured with a virtual consumption limit and a third-party payment account; when the transaction scenario is a public transportation scenario, deduct the consumption amount from the virtual consumption limit of the multifunctional IC card according to the transaction application, and periodically obtain transaction data according to the consumption amount for batch payment; when the transaction scenario is a non-public transportation scenario, deduct the consumption amount from the third-party payment account according to the transaction application for direct payment. The virtual consumption limit and the third-party payment account are encapsulated and configured in the IC card at the same time, and the transaction path is automatically selected according to the transaction scenario. In the public transportation scenario, the virtual quota pool replaces the pre-charge mode to avoid the public transportation terminal equipment adding an online verification module, and non-licensed enterprises perform delayed settlement through virtual accounts. In the non-public transportation scenario, payment is made directly using a third-party payment account. Thus, under the hard constraint of zero transformation of the terminal equipment, the cross-domain payment capability of non-licensed card companies is realized. BRIEF DESCRIPTION OF THE DRAWINGS

[0017] The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the present application and, together with the description, serve to explain the principles of the present application.

[0018] In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings required for use in the embodiments or the description of the prior art will be briefly introduced below. Obviously, for ordinary technicians in this field, other drawings can be obtained based on these drawings without paying any creative work.

[0019] Figure 1 A schematic diagram of the process flow provided for the first embodiment of the payment method of the present application; Figure 2 A flow chart of the second embodiment of the payment method of the present application; Figure 3 A schematic diagram of a process flow provided for the third embodiment of the payment method of the present application; Figure 4 A flowchart of the sixth embodiment of the payment method of the present application is provided; Figure 5 This is a schematic diagram of the module structure of the payment device according to an embodiment of the present application; Figure 6 This is a schematic diagram of the device structure of the hardware operating environment involved in the payment method in the embodiment of the present application.

[0020] The purpose, features and advantages of this application will be further described in conjunction with the embodiments and with reference to the accompanying drawings. DETAILED DESCRIPTION

[0021] It should be understood that the specific embodiments described herein are only used to explain the technical solutions of the present application and are not used to limit the present application.

[0022] In order to better understand the technical solution of the present application, a detailed description will be given below in conjunction with the accompanying drawings and specific implementation methods.

[0023] The main solution of the embodiment of the present application is: receiving a transaction application and a transaction scenario triggered by a multi-function IC card, wherein the multi-function IC card is configured with a virtual consumption limit and a third-party payment account; when the transaction scenario is a public transportation scenario, deducting the consumption amount from the virtual consumption limit of the multi-function IC card according to the transaction application, and periodically obtaining transaction data for batch payment based on the consumption amount; when the transaction scenario is a non-public transportation scenario, deducting the consumption amount from the third-party payment account for direct payment according to the transaction application.

[0024] In this embodiment, for the convenience of description, the following description is made with the multifunctional IC card management platform as the execution entity.

[0025] The embodiments of the present application take into account that: when the existing city card system is expanded to non-transportation payment scenarios, it needs to rely on the payment and settlement capabilities of the card companies themselves. Since card companies that do not hold payment licenses cannot directly handle financial payment services, third-party payment applications and card systems use independent hardware modules, resulting in the inability to achieve secure interaction of transaction data within the card, and the need for additional terminal equipment modification to support dual-system communication protocols. In addition, offline transaction deductions in public transportation scenarios rely on a fixed-amount electronic wallet pre-stored in the IC card, and cannot be linked to the credit status of a third-party payment account in real time, resulting in an increased rate of deduction failures after the transaction is completed.

[0026] Therefore, the present application provides a solution, receiving a transaction application and a transaction scenario triggered by a multifunctional IC card, wherein the multifunctional IC card is configured with a virtual consumption limit and a third-party payment account; when the transaction scenario is a public transportation scenario, the consumption amount is deducted from the virtual consumption limit of the multifunctional IC card according to the transaction application, and the transaction data is periodically obtained according to the consumption amount for batch payment; when the transaction scenario is a non-public transportation scenario, the consumption amount is deducted from the third-party payment account according to the transaction application for direct payment. The virtual consumption limit and the third-party payment account are encapsulated and configured in the IC card at the same time, and the transaction path is automatically selected according to the transaction scenario. In the public transportation scenario, the virtual quota pool replaces the pre-charge mode to avoid the public transportation terminal equipment adding an online verification module, and non-licensed enterprises perform delayed settlement through virtual accounts. In the non-public transportation scenario, payment is made directly using a third-party payment account. Thereby, under the hard constraint of zero transformation of the terminal equipment, the cross-domain payment capability of non-licensed card companies is realized.

[0027] It should be noted that the execution subject of this embodiment can be a computing service device with data processing, network communication and program running functions, such as a tablet computer, a personal computer, a mobile phone, etc., or an electronic device capable of realizing the above functions, a multi-functional IC card management platform, etc. The following takes the multi-functional IC card management platform as an example to illustrate this embodiment and the following embodiments.

[0028] Based on this, the embodiment of the present application provides a payment method based on a multi-functional IC card, the method is applied to a multi-functional IC card management platform, referring to Figure 1 , Figure 1 This is a flow chart of the first embodiment of the payment method based on the multi-functional IC card of the present application.

[0029] In this embodiment, the payment method based on the multifunctional IC card includes steps S10 to S30: Step S10, receiving a transaction application and a transaction scenario triggered by a multifunctional IC card, wherein the multifunctional IC card is configured with a virtual consumption limit and a third-party payment account; First, the card company's electronic wallet and third-party payment application are embedded in the IC card, and the transaction scenarios are distinguished through the AID (application identifier) ​​selection mechanism of the card operating system. The public transportation scenario triggers the card company's AID and calls the virtual consumption limit; the non-public transportation scenario triggers the third-party payment AID and calls the online payment account.

[0030] Furthermore, a transaction message feature code is embedded in the transaction application triggered by the IC card. For example, in the transaction message of a public transportation scenario, a scene identification code is embedded through a TLV tag for identification during batch processing by the platform.

[0031] Step S20, when the transaction scenario is a public transportation scenario, deducting the consumption amount from the virtual consumption limit of the multifunctional IC card according to the transaction application, and periodically acquiring transaction data for batch payment according to the consumption amount; When a public transportation terminal device (such as a subway gate) reads an IC card, a transaction application instruction is sent through a standard protocol. The instruction includes: consumption type and transaction amount. After the virtual credit management Applet obtains and parses the transaction application triggered in the public transportation scenario, it triggers the following operations: The corresponding consumption amount is deducted from the virtual consumption limit of the multifunctional IC card in real time according to the consumption type and transaction amount, and transaction data is periodically obtained according to the consumption amount for batch payment.

[0032] Step S30: When the transaction scenario is a non-public transportation scenario, the consumption amount is deducted from the third-party payment account according to the transaction application for direct payment.

[0033] When a user uses a multi-function IC card in non-public transportation scenarios (such as shopping malls and convenience stores), the transaction scenario is obtained in the following ways: Terminal identification code analysis: reading the scenario classification label in the terminal device registration information; transaction type marking: the scenario identification bit is carried in the transaction application instruction. Call the third-party payment application integrated in the IC card to directly deduct money.

[0034] This embodiment provides a payment method based on a multifunctional IC card, receiving a transaction application and a transaction scenario triggered by a multifunctional IC card, wherein the multifunctional IC card is configured with a virtual consumption limit and a third-party payment account; when the transaction scenario is a public transportation scenario, the consumption amount is deducted from the virtual consumption limit of the multifunctional IC card according to the transaction application, and transaction data is periodically obtained according to the consumption amount for batch payment; when the transaction scenario is a non-public transportation scenario, the consumption amount is deducted from the third-party payment account according to the transaction application for direct payment. The virtual consumption limit and the third-party payment account are encapsulated and configured in the IC card at the same time, and the transaction path is automatically selected according to the transaction scenario. In the public transportation scenario, the virtual quota pool replaces the pre-charge mode to avoid the public transportation terminal equipment adding an online verification module, and the non-licensed enterprise performs delayed settlement through the virtual account. In the non-public transportation scenario, the third-party payment account is used for direct payment. Thus, under the hard constraint of zero transformation of the terminal equipment, the cross-domain payment capability of the non-licensed card enterprise is realized.

[0035] Based on the first embodiment of the present application, in the second embodiment of the present application, the same or similar contents as those in the above-mentioned embodiment 1 can be referred to the above introduction and will not be repeated later.

[0036] On this basis, please refer to Figure 2 , Figure 2 A flow chart of the second embodiment of the payment method provided for this application.

[0037] In this embodiment, before step S10, the payment method further includes steps S01-S02: Step S01, receiving a user card purchase request sent by a mobile user terminal, and sending a credit verification instruction to a third-party payment institution according to the user card purchase request, so that the third-party payment institution returns the user credit limit value according to the credit verification instruction; When a user submits a card purchase request through a mobile APP, the multifunctional IC card management platform automatically collects and encapsulates the following data to form a credit verification instruction: user identity verification data, device environment fingerprint, and geographic location tag. The card system sends the credit verification instruction to a third-party payment institution. The two-way authentication channel between the card system and the third-party payment institution is established using two-way mTLS authentication. The card certificate contains an extended field to declare the scope of business authority. A temporary ECDH key pair is generated for each session to negotiate a unique session key.

[0038] After receiving the request, the risk control system of the third-party payment institution calls the hierarchical credit assessment model: the XGBoost classifier performs a multi-dimensional assessment, and the assessment results include a comprehensive credit score and a user's credit limit value.

[0039] Third-party payment institutions calculate dynamic credit scores based on the following characteristics: Credit-Score = f (user's historical payment record, device risk label, real-time geographic location credibility), introduce device fingerprint and geographic location joint verification to prevent bulk card purchase attacks by black market gangs. Compared with traditional single credit score verification, the fraud transaction interception rate is significantly improved.

[0040] Specifically, the multi-functional IC card management platform and the third-party payment institution establish a secure channel through a communication protocol, and use JWT (JSON Web Token) for identity verification. The credit verification response contains dynamic threshold parameters, which are determined by the dynamic credit score.

[0041] Step S02, receiving the user credit limit value, if the user credit limit value is not less than a preset user credit limit threshold, binding the IC card number of the multi-functional IC card and the third-party payment account, and activating the multi-functional IC card.

[0042] After receiving the user's credit limit value, the multifunctional IC card management platform performs dynamic threshold comparison and performs credit verification based on the dynamic threshold comparison. For example, if the user's credit limit value ≥ basic threshold × scenario coefficient, the high credit mode is activated (virtual limit upper limit = user credit limit value × 1.5), otherwise the monitoring mode is activated (virtual limit upper limit = user credit limit value, single transaction requires secondary verification).

[0043] In this embodiment, a user card purchase request sent by the user terminal is received, and a credit verification is applied to a third-party payment institution based on the user card purchase request, thereby bypassing the payment license restriction and completing the credit verification by a licensed third-party institution, so that non-licensed card companies can also make payments in different scenarios while ensuring payment security.

[0044] Based on the first embodiment and / or the second embodiment of the present application, a third embodiment of the present application is proposed. In the third embodiment of the present application, the same or similar contents as those of the above embodiments can be referred to the above introduction and will not be repeated later.

[0045] On this basis, please refer to Figure 3 , Figure 3 A flowchart of the third embodiment of the payment method provided for this application.

[0046] In this embodiment, when the transaction scenario is a public transportation scenario, the step S20 of deducting the consumption amount from the virtual consumption limit of the multifunctional IC card according to the transaction application, and periodically acquiring transaction data for batch payment according to the consumption amount may include steps S21 to S24: Step S21, when the transaction scenario is a public transportation scenario, deducting the consumption amount from the virtual consumption limit of the multifunctional IC card according to the transaction application; When the transaction scenario is a public transportation scenario, the multifunctional IC card management platform calls the virtual consumption quota based on the transaction application and deducts the consumption amount from the virtual consumption quota.

[0047] Step S22, periodically acquiring transaction data according to the consumption amount, screening the transaction data and initiating a batch transaction request according to the screened transaction data, and applying for batch deduction according to the batch transaction request; The data collection task is triggered through a distributed task scheduling framework, and the following operations are performed: sending encrypted query instructions to all public transportation terminal devices; receiving transaction data packets returned by the terminals; and using a streaming data processing engine for data cleaning.

[0048] Furthermore, the transaction data after data cleaning is filtered: an Elasticsearch index cluster is built, multi-dimensional correlation queries are performed, and filtering conditions are dynamically adjusted according to the risk factors returned in real time by the third-party payment institution. For example, the amount threshold is increased during high-risk periods, and transaction data is filtered according to the filtering conditions. Batch transaction requests are initiated, and user accounts are deducted in batches according to the batch transaction requests.

[0049] Step S23, if the batch deduction exceeds the preset single consumption limit or daily cumulative consumption threshold of the multi-functional IC card, the identity authentication process is triggered, and the preset single consumption limit or daily cumulative consumption threshold is set and managed by the user through the setting management instruction sent by the client; During the batch deduction process, the amount of batch transactions of the same user is aggregated. If the amount exceeds the preset single consumption limit or daily cumulative consumption threshold of the multi-function IC card, the deduction process is suspended and the unified authentication center is called to perform hierarchical verification. For example, if the excess ratio exceeds 200%, identity authentication is performed through manual video verification + secondary authorization by a third-party payment institution. If the excess ratio is 150% to 200%, identity authentication is performed through face recognition + payment password.

[0050] It should be noted that the preset single consumption limit or daily cumulative consumption threshold can be set and managed by the user through a setting management instruction sent by the client.

[0051] Step S24: If the batch deductions do not exceed the preset single consumption limit or daily cumulative consumption threshold of the multi-functional IC card, batch payment is performed.

[0052] If the batch deductions do not exceed the preset single consumption limit or daily cumulative consumption threshold of the multi-functional IC card, batch payment is directly performed through the distributed transaction framework.

[0053] In this embodiment, the consumption amount is deducted from the virtual consumption limit of the multi-function IC card according to the transaction application, and the transaction data is periodically obtained according to the consumption amount for batch payment. Among them, the virtual consumption limit mechanism realizes offline transactions, and the consumption limit is dynamically verified to balance risk control and user experience. Through the virtual consumption limit mechanism, under the hard constraint of zero terminal transformation, compliance, security and ease of use requirements are met at the same time, providing a feasible cross-domain payment solution for non-licensed card companies.

[0054] Based on the above embodiments of the present application, a fourth embodiment of the present application is proposed. In the fourth embodiment of the present application, the same or similar contents as those of the above embodiments can be referred to the above introduction, and will not be described in detail later.

[0055] In this embodiment, if the batch deduction does not exceed the preset single consumption limit or daily cumulative consumption threshold of the multifunctional IC card, the batch payment step S23 further includes steps S231-S232: Step S231, if the virtual consumption limit after deducting the consumption amount in real time is lower than the preset virtual consumption limit lower limit, the virtual consumption limit is restored to the preset virtual consumption limit upper limit; First, the lower limit of the virtual consumption limit is preset in the IC card. When the IC card completes a single transaction deduction, the security module in the chip detects the current virtual consumption limit value in real time. If it satisfies: the current limit ≤ the lower limit, the limit recovery operation is immediately executed to reset the limit to the upper limit.

[0056] It should be noted that the recovery operation is completely completed in the IC card chip, without the need to request the backend system online, ensuring the continuity of transactions in offline scenarios. The atomicity of the credit deduction and recovery operations is ensured through chip-level hardware locks to prevent concurrent operations from causing data inconsistency.

[0057] Step S232, record the recovery timestamp, and adjust the preset virtual consumption limit upper limit value in combination with the historical recovery frequency.

[0058] Furthermore, the timestamp of each recovery operation is recorded in the secure storage area of ​​the IC card, a time series data set is constructed, full recovery records are pulled periodically (such as weekly), the recovery frequency is calculated, the recovery time distribution is analyzed (such as intensive recovery during peak hours may indicate changes in user consumption habits), the historical recovery frequency is determined, and the preset virtual consumption limit upper limit is adjusted in combination with the timestamp of dynamic recovery.

[0059] In this embodiment, if the virtual consumption limit after the real-time deduction of the consumption amount is lower than the preset virtual consumption limit lower limit, the virtual consumption limit is dynamically restored to the preset virtual consumption limit upper limit; the timestamp of the dynamic restoration is recorded, and the preset virtual consumption limit upper limit is dynamically adjusted in combination with the historical restoration frequency. Through offline restoration and dynamic adjustment, without the need to modify the terminal equipment, the intelligent leap of credit limit management is achieved, and the system resource utilization and risk control capabilities are significantly optimized.

[0060] Based on the above-mentioned embodiments of the present application, a fifth embodiment of the present application is proposed. In the fifth embodiment of the present application, the same or similar contents as those of the above-mentioned embodiments can be referred to the above introduction and will not be repeated later.

[0061] In this embodiment, if the batch deduction does not exceed the preset single consumption limit or daily cumulative consumption threshold of the multifunctional IC card, the batch payment step S23 further includes steps A10 to A20: Step A10, when the batch payment fails, adjusting the IC card product credit value according to the historical usage data of the multifunctional IC card; The credit value of IC card products is independent of the user's credit limit value. The credit value of IC card products has a certain initial value, and gradually increases in certain increments as the user uses the product for a certain period of time without arrears and the total amount of consumption increases.

[0062] When batch deductions fail (such as insufficient balance in a third-party payment account), the Tongka backend system dynamically adjusts the product credit value based on the following historical usage data: Amount of outstanding payments: the total amount of outstanding payments involved in this deduction failure; History of outstanding payments: the cumulative number of outstanding payments and the amount of outstanding payments made by the user in the past 30 days; Normal usage time: the number of consecutive days the user has used the product without outstanding payments; Cumulative total consumption: the total consumption amount after the user activated the IC card.

[0063] The deduction rule is: credit value deduction value = current arrears amount × weight coefficient + historical arrears times × penalty coefficient. The weight coefficient and penalty coefficient are preset according to the risk control strategy of the card enterprise.

[0064] If the user completes repayment after being reminded, the credit value will be restored to the value before the last deduction. The credit value will accumulate in fixed increments for every 30 days of normal use by the user.

[0065] Step A20, when the IC card product credit value is lower than a preset IC card product credit threshold, the IC card number of the multifunctional IC card is added to a blacklist, and the multifunctional IC card is locked.

[0066] When the product credit value is lower than the preset threshold (such as credit value ≤ 0), the Tongka backend system automatically performs the following operations: adding the IC card number to the blacklist database; generating a blacklist update instruction (including card number, lock time, and lock reason).

[0067] A blacklist synchronization mechanism is introduced. The terminal device stores a copy of the blacklist and directly compares the IC card number offline. When a user uses an IC card on the blacklist for transaction, the terminal device displays "Card locked" and rejects the transaction. The transaction rejection instruction is prompted through the terminal buzzer and LED screen.

[0068] After the user repays the loan, the backend system verifies whether the repayment amount covers the total amount of arrears. If the verification passes, the credit value is restored to the value before the last deduction, and the IC card number is removed from the blacklist. The blacklist status is updated during the next terminal device synchronization cycle.

[0069] In this embodiment, when the batch payment fails, the user credit limit value is adjusted according to the historical usage data of the multifunctional IC card; when the user credit limit value is lower than the preset user credit limit threshold, the IC card number of the multifunctional IC card is added to the blacklist. Through the dynamic adjustment of the credit value and the blacklist mechanism, the risk of user arrears can be effectively controlled when the card-passing enterprise does not have a payment license.

[0070] Based on the above-mentioned embodiments of the present application, a sixth embodiment of the present application is proposed. In the sixth embodiment of the present application, the same or similar contents as those of the above-mentioned embodiments can be referred to the above introduction and will not be repeated later.

[0071] On this basis, reference Figure 4 As shown, Figure 4 A flowchart of the sixth embodiment of the payment method provided for this application.

[0072] In this embodiment, when the transaction scenario is a public transportation scenario, the consumption amount is deducted from the virtual consumption amount of the multifunctional IC card according to the transaction application, and the transaction data is periodically obtained according to the consumption amount for batch payment. Steps B10 to B30 are also included after step S20: Step B10, determining the user's outstanding amount and the outstanding period according to the batch payment result, calculating the credit value deduction value, and sending a payment reminder based on the user's outstanding amount, the outstanding period, and the credit value deduction value; The backend system counts the total amount of user arrears based on the transaction data of failed batch payments. The arrears period is defined as the number of days between the first failed deduction date and the last failed deduction date. If the user fails to deduct multiple times within 30 days, the period is calculated cumulatively (e.g., failure on the 1st and 5th days, period = 5 days). Deduction rules: credit value deduction value = total amount of arrears × weight coefficient (e.g., 0.1) + arrears period × penalty coefficient. The weight coefficient and penalty coefficient are preset by the risk control strategy of the card company. For example: if the user owes 500 yuan and the period is 5 days, the deduction value = 500 × 0.1 + 5 × 2 = 60. After determining the updated credit value deduction value, write it into the IC card security storage area and the card backend database.

[0073] Furthermore, the reminder for payment can be sent by pushing messages through the Tongka enterprise client APP, or by synchronously sending in-site messages or text messages through the third-party payment institution APP.

[0074] Step B20, periodically downloading a blacklist, and sending a gate-prohibition prompt according to the IC number in the blacklist when the transaction scenario is a public transportation scenario; When the real-time credit value of the product is ≤0, the IC card number is added to the blacklist database; a lock instruction is written to the IC card security element; the lock instruction is synchronized to the IC card through NFC or the card posting operation of the mobile APP.

[0075] Therefore, the blacklist is downloaded periodically from the background system. When the transaction scenario is a public transportation scenario, if the user uses a product registered in the blacklist to swipe the card to take public transportation, he will be prompted when swiping the card and will not be allowed to pass through the gate or get on the bus.

[0076] Step B30, regularly checking whether the payment balance of the locked multifunctional IC card is sufficient. If the payment balance is sufficient, deductions are made according to the amount of outstanding fees owed by the user, and the credit value of the IC card product is restored.

[0077] If batch payment fails and the balance in the third-party payment account is insufficient, the multi-function IC card will be locked and the product credit value will be lower than 0. The product credit value is recorded in the background and has a certain initial value. It will gradually increase by a certain increment as the user uses the product without arrears and the total consumption increases. It has no direct relationship with the user credit limit of the third-party payment institution.

[0078] Therefore, it is necessary to regularly check whether the payment balance of the locked multifunctional IC card is sufficient. If it is detected that the balance is sufficient, deductions are made according to the amount owed by the user and the product credit value of the IC card is restored.

[0079] In this embodiment, by quantifying credit deduction rules, real-time blacklist synchronization and dual-end collection mechanisms, the problem of arrears risk management in offline transaction scenarios of non-licensed card companies is solved without the need to modify terminal equipment, and it is fully realized that both risk control and user experience are taken into account through the dynamic increase and decrease mechanism of product credit value.

[0080] This application also provides a payment device, please refer to Figure 5 , the payment device comprises: The transaction information receiving module 10 is used to receive a transaction application and a transaction scenario triggered by a multifunctional IC card, wherein the multifunctional IC card is configured with a virtual consumption limit and a third-party payment account; The batch payment module 20, when the transaction scenario is a public transportation scenario, deducts the consumption amount from the virtual consumption limit of the multifunctional IC card according to the transaction application, and periodically obtains transaction data according to the consumption amount to make batch payments; The direct payment module 30 deducts the consumption amount from the third-party payment account according to the transaction application to make direct payment when the transaction scenario is a non-public transportation scenario.

[0081] The payment device provided by the present application adopts the payment method in the above embodiment to solve the technical problem of payment. Compared with the prior art, the beneficial effects of the payment device provided by the present application are the same as the beneficial effects of the payment method provided by the above embodiment, and the other technical features in the payment device are the same as the features disclosed in the above embodiment method, which will not be repeated here.

[0082] The present application provides a payment device, which includes: at least one processor; and a memory that is communicatively connected to the at least one processor; wherein the memory stores instructions that can be executed by the at least one processor, and the instructions are executed by the at least one processor so that the at least one processor can execute the payment method in the above-mentioned embodiment 1.

[0083] Reference below Figure 6, which shows a schematic diagram of the structure of a payment device suitable for implementing the embodiments of the present application. The payment device in the embodiments of the present application may include but is not limited to mobile terminals such as mobile phones, laptop computers, digital broadcast receivers, PDAs (Personal Digital Assistants), PADs (Portable Application Descriptions: tablet computers), PMPs (Portable Media Players: portable multimedia players), vehicle-mounted terminals (such as vehicle-mounted navigation terminals), etc., and fixed terminals such as digital TVs, desktop computers, etc. Figure 6 The payment device shown is merely an example and should not bring any limitation to the functions and scope of use of the embodiments of the present application.

[0084] like Figure 6 As shown, the payment device may include a processing device 1001 (e.g., a central processing unit, a graphics processor, etc.), which may perform various appropriate actions and processes according to a program stored in a read-only memory 1002 or a program loaded from a storage device 1003 to a random access memory 1004. Various programs and data required for the operation of the payment device are also stored in the random access memory 1004. The processing device 1001, the read-only memory 1002, and the random access memory 1004 are connected to each other via a bus 1005. An input / output interface 1006 is also connected to the bus. Generally, the following systems may be connected to the input / output interface 1006: an input device 1007 including, for example, a touch screen, a touch pad, a keyboard, a mouse, an image sensor, a microphone, an accelerometer, a gyroscope, etc.; an output device 1008 including, for example, a liquid crystal display (LCD), a speaker, a vibrator, etc.; a storage device 1003 including, for example, a magnetic tape, a hard disk, etc.; and a communication device 1009. The communication device 1009 may allow the payment device to communicate with other devices wirelessly or by wire to exchange data. Although the figures show payment devices with various systems, it should be understood that it is not required to implement or have all the systems shown. More or fewer systems may be implemented or have instead.

[0085] In particular, according to the embodiments disclosed in the present application, the process described above with reference to the flowchart can be implemented as a computer software program. For example, the embodiments disclosed in the present application include a computer program product, which includes a computer program carried on a computer-readable medium, and the computer program includes a program code for executing the method shown in the flowchart. In such an embodiment, the computer program can be downloaded and installed from a network through a communication device, or installed from a storage device 1003, or installed from a read-only memory 1002. When the computer program is executed by the processing device 1001, the above-mentioned functions defined in the method of the embodiment disclosed in the present application are executed.

[0086] The payment device provided by this application adopts the payment method in the above embodiment to solve the technical problem of payment. Compared with the prior art, the beneficial effects of the payment device provided by this application are the same as the beneficial effects of the payment method provided by the above embodiment, and the other technical features in the payment device are the same as the features disclosed in the method of the previous embodiment, which will not be repeated here.

[0087] It should be understood that the various parts disclosed in this application can be implemented by hardware, software, firmware or a combination thereof. In the description of the above embodiments, specific features, structures, materials or characteristics can be combined in any one or more embodiments or examples in a suitable manner.

[0088] The above is only a specific implementation of the present application, but the protection scope of the present application is not limited thereto. Any person skilled in the art who is familiar with the present technical field can easily think of changes or substitutions within the technical scope disclosed in the present application, which should be included in the protection scope of the present application. Therefore, the protection scope of the present application should be based on the protection scope of the claims.

[0089] The present application provides a computer-readable storage medium having computer-readable program instructions (ie, computer program) stored thereon, and the computer-readable program instructions are used to execute the payment method in the above-mentioned embodiment.

[0090] The computer-readable storage medium provided in the present application may be, for example, a USB flash drive, but is not limited to electrical, magnetic, optical, electromagnetic, infrared, or semiconductor systems or devices, or any combination of the above. More specific examples of computer-readable storage media may include, but are not limited to: an electrical connection with one or more wires, a portable computer disk, a hard disk, a random access memory (RAM: Random Access Memory), a read-only memory (ROM: Read Only Memory), an erasable programmable read-only memory (EPROM: Erasable Programmable Read Only Memory or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM: CD-Read Only Memory), an optical storage device, a magnetic storage device, or any suitable combination of the above. In this embodiment, the computer-readable storage medium may be any tangible medium containing or storing a program, which may be used by or in combination with an instruction execution system or device. The program code contained on the computer-readable storage medium may be transmitted using any appropriate medium, including but not limited to: wires, optical cables, RF (Radio Frequency: Radio Frequency), etc., or any suitable combination of the above.

[0091] The computer-readable storage medium may be included in the payment device; or may exist independently without being installed in the payment device.

[0092] The above-mentioned computer-readable storage medium carries one or more programs. When the above-mentioned one or more programs are executed by the payment device, the payment device: receives a transaction application and a transaction scenario triggered by a multi-function IC card, wherein the multi-function IC card is configured with a virtual consumption limit and a third-party payment account; when the transaction scenario is a public transportation scenario, deducts the consumption amount from the virtual consumption limit of the multi-function IC card according to the transaction application, and periodically obtains transaction data for batch payment according to the consumption amount; when the transaction scenario is a non-public transportation scenario, deducts the consumption amount from the third-party payment account according to the transaction application for direct payment.

[0093] Computer program code for performing the operations of the present application may be written in one or more programming languages ​​or a combination thereof, including object-oriented programming languages ​​such as Java, Smalltalk, C++, and conventional procedural programming languages ​​such as "C" or similar programming languages. The program code may be executed entirely on the user's computer, partially on the user's computer, as a separate software package, partially on the user's computer and partially on a remote computer, or entirely on a remote computer or server. In the case of a remote computer, the remote computer may be connected to the user's computer through any type of network, including a local area network (LAN) or a wide area network (WAN), or may be connected to an external computer (e.g., via the Internet using an Internet service provider).

[0094] 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 application. 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 alternative implementations, 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.

[0095] The modules involved in the embodiments described in this application may be implemented by software or hardware, wherein the name of the module does not constitute a limitation on the unit itself in some cases.

[0096] The readable storage medium provided in this application is a computer-readable storage medium, which stores computer-readable program instructions (i.e., computer programs) for executing the above-mentioned payment method, and can solve the technical problem of payment. Compared with the prior art, the beneficial effects of the computer-readable storage medium provided in this application are the same as the beneficial effects of the payment method provided in the above-mentioned embodiment, and will not be repeated here.

[0097] The present application also provides a computer program product, including a computer program, which implements the steps of the payment method as described above when executed by a processor.

[0098] The computer program product provided by this application can solve the technical problem of payment. Compared with the prior art, the beneficial effects of the computer program product provided by this application are the same as the beneficial effects of the payment method provided by the above embodiment, which will not be repeated here.

[0099] The above descriptions are only some embodiments of the present application, and are not intended to limit the patent scope of the present application. All equivalent structural changes made using the contents of the present application specification and drawings under the technical concept of the present application, or direct / indirect applications in other related technical fields are included in the patent protection scope of the present application.

Claims

1. A payment method based on a multifunctional IC card, characterized in that: The method is applied to a multifunctional IC card management platform, and the payment method includes: Receiving a transaction application and a transaction scenario triggered by a multifunctional IC card, wherein the multifunctional IC card is configured with a virtual consumption limit and a third-party payment account; When the transaction scenario is a public transportation scenario, the consumption amount is deducted from the virtual consumption amount of the multifunctional IC card according to the transaction application, and transaction data is periodically obtained according to the consumption amount for batch payment; When the transaction scenario is a non-public transportation scenario, the consumption amount is deducted from the third-party payment account according to the transaction application for direct payment.

2. The payment method according to claim 1, characterized in that: The step of receiving the transaction application and transaction scenario triggered by the multifunctional IC card also includes: receiving a user card purchase request sent by a mobile user terminal, and sending a credit verification instruction to a third-party payment institution according to the user card purchase request, so that the third-party payment institution returns the user credit limit value according to the credit verification instruction; The user credit limit value is received, and if the user credit limit value is not less than a preset user credit limit threshold, the IC card number of the multifunctional IC card is bound to the third-party payment account, and the multifunctional IC card is activated.

3. The payment method according to claim 1, characterized in that: When the transaction scenario is a public transportation scenario, the steps of deducting the consumption amount from the virtual consumption limit of the multifunctional IC card according to the transaction application, and periodically acquiring transaction data for batch payment according to the consumption amount include: When the transaction scenario is a public transportation scenario, deducting the consumption amount from the virtual consumption limit of the multifunctional IC card according to the transaction application; periodically acquiring transaction data according to the consumption amount, screening the transaction data and initiating a batch transaction request according to the screened transaction data, and applying for batch deduction according to the batch transaction request; If the batch deduction exceeds the preset single consumption limit or daily cumulative consumption threshold of the multi-functional IC card, the identity verification process is triggered, and the preset single consumption limit or daily cumulative consumption threshold is set and managed by the user through the setting management instruction sent by the client; If the batch deductions do not exceed the preset single consumption limit or daily cumulative consumption threshold of the multi-functional IC card, batch payment is performed.

4. The payment method according to claim 3, characterized in that: If the batch deduction does not exceed the preset single consumption limit or daily cumulative consumption threshold of the multi-functional IC card, the step of performing batch payment further includes: If the virtual consumption limit after deducting the consumption amount in real time is lower than the preset virtual consumption limit lower limit, the virtual consumption limit is restored to the preset virtual consumption limit upper limit; The recovery timestamp is recorded, and the preset upper limit of the virtual consumption amount is adjusted in combination with the historical recovery frequency.

5. The payment method according to claim 3, characterized in that: If the batch deduction does not exceed the preset single consumption limit or daily cumulative consumption threshold of the multi-functional IC card, the step of performing batch payment further includes: When the batch payment fails, adjusting the IC card product credit value according to the historical usage data of the multifunctional IC card; When the credit value of the IC card product is lower than a preset IC card product credit threshold, the IC card number of the multifunctional IC card is added to a blacklist, and the multifunctional IC card is locked.

6. The payment method according to claim 1, characterized in that: When the transaction scenario is a non-public transportation scenario, the step of deducting the consumption amount from the third-party payment account for direct payment according to the transaction application includes: When the transaction scenario is a non-public transportation scenario, reading the multifunctional IC card according to the transaction application; A direct payment request is sent to a third-party payment institution according to the read result, so that the third-party payment institution deducts the consumption amount from the third-party payment account for direct payment according to the direct payment request.

7. The payment method according to claim 1, characterized in that: When the transaction scenario is a public transportation scenario, the step of deducting the consumption amount from the virtual consumption limit of the multifunctional IC card according to the transaction application, and periodically acquiring transaction data for batch payment according to the consumption amount also includes: Determine the amount of user's outstanding fees and the arrears period according to the batch payment result, calculate the credit value deduction value, and send a payment reminder based on the amount of user's outstanding fees, the arrears period, and the credit value deduction value; Download the blacklist periodically, and when the transaction scenario is a public transportation scenario, send a gate-prohibition prompt according to the IC number in the blacklist; The payment balance of the locked multifunctional IC card is checked regularly to see if it is sufficient. If the payment balance is sufficient, deductions are made according to the amount of outstanding fees owed by the user, and the credit value of the IC card product is restored.

8. A payment device, characterized in that: The device comprises: a memory, a processor and a computer program stored in the memory and executable on the processor, wherein the computer program is configured to implement the steps of the multi-functional IC card payment method as described in any one of claims 1 to 7.

9. A storage medium, characterized in that: The storage medium is a computer-readable storage medium, on which a computer program is stored. When the computer program is executed by a processor, the steps of the multi-functional IC card payment method as described in any one of claims 1 to 7 are implemented.

10. A computer program product, characterized in that The computer program product comprises a computer program, and when the computer program is executed by a processor, the steps of the payment method based on a multi-functional IC card as claimed in any one of claims 1 to 7 are implemented.

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