Travel card account management method

Abstract

The invention discloses a travel card account management method, and the method specifically comprises the steps: S1, enabling a user to submit an order at a user side, enabling an order system to automatically create the order, enabling a transaction system to create a transaction and a bill, and enabling a result to be returned to the order system and the user side, and enabling the order system to transmit an instruction to a cashier desk according to the transaction amount and the bill; s2, after receiving the instruction, the cashier desk initiates payment mode selection at a user side, a user selects a payment mode and sends a payment mode signal to the cashier desk, the cashier desk creates a three-party order for the payment system, and the payment system places an order to a three-party channel according to the received signal; meanwhile, payment parameters are returned to a payment system, a cashier desk and a user side, and a three-party order is displayed on the user side; and S3, inputting a password in the user side to complete payment, receiving payment success information by the three-party channel, and feeding back a receipt of the payment information to each module to complete the whole process. According to the account management method, daily life consumption of the user is facilitated, and the payment efficiency is improved.

Description

Technical Field

[0001] The present invention belongs to the technical field of account management, and specifically relates to a method for managing a travel card account. Background Art

[0002] With the rapid development of Internet and mobile communication technologies, and the continuous increase in people's demand for payment convenience, Internet payment has gradually become the mainstream. In addition, in order to facilitate users' daily consumption, people's demand for an integrated consumption system and diversified payment and consumption has increased.

[0003] Currently, the original remittance functions and prices of enterprises in the fields of tourism, education, e-commerce, etc. cannot meet their diverse and personalized actual needs. Taking the tourism industry as an example, the overall annual transaction volume of domestic online tourism enterprises is high, and the vast majority are telegraphic transfer transactions, and there are certain fraud risks. There is a need for an integrated system that can conveniently obtain welfare and life services, while ensuring payment security and the convenience of account information management. Summary of the Invention

[0004] The technical problem to be solved by the present invention lies in: aiming at the technical problems existing in the prior art, the present invention provides a method for managing a travel card account.

[0005] To solve the above technical problems, the technical solution proposed by the present invention is:

[0006] A method for managing a travel card account, including the following management modules:

[0007] A user terminal, used for managing and operating user account information;

[0008] An order system, used for managing user orders;

[0009] A transaction system, used for managing created transactions and bills;

[0010] A cashier desk, used for paying orders;

[0011] A payment system, which is used for managing payment parameters and third-party orders;

[0012] A third-party channel, used for docking with merchants;

[0013] The account management method specifically includes the following contents:

[0014] Step S1, the user first submits an order at the user terminal, the order system creates an order, then the transaction system creates a transaction and a bill and returns the results to the order system and the user terminal, and the order system sends an instruction to the cashier desk according to the transaction amount and the bill;

[0015] Step S2, after receiving the instruction, the cashier initiates the selection of payment methods on the user side. The user selects a payment method and sends the payment method signal to the cashier. The cashier creates a tripartite order with the payment system, and the payment system places an order with the tripartite channel based on the received signal; meanwhile, it returns payment parameters to the payment system, the cashier, and the user side, and displays the tripartite order on the user side.

[0016] Step S3, the user enters the password in the order to complete the payment. The tripartite channel receives the information of successful payment and feeds back the receipt of the payment information to the payment system, the cashier, the transaction system, the order system, and the user side to complete the whole process.

[0017] As a further improvement of the above technical solution:

[0018] In the above technical solution, for the account management method, the user first registers an account on the user side and conducts real-name authentication, and then selects to obtain the electronic Lvtong card or purchase a physical card with a fixed denomination or an electronic card with a fixed denomination for account binding.

[0019] In the above technical solution, in step S2, if the payment method is selected as online payment, after the user side generates the electronic Lvtong card, it first conducts online card binding and recharge; when recharging, first select the Lvtong card in the payment method, enter the card number and password, and complete the recharge after entering the recharge amount.

[0020] In the above technical solution, in step S2, if the payment method is selected as offline payment, the user first binds the Lvtong card in the tripartite App, then enters the password of the Lvtong card to confirm the balance and complete the card binding process; then it reaches the confirmation payment stage.

[0021] In the above technical solution, in step S3, the App uses the method of scanning the QR code, which is divided into two types: payment QR code scanning and receipt QR code scanning, that is, the barcode payment technology:

[0022] Payment QR code scanning is divided into:

[0023] (1) The user scans the merchant static code, enters the payment amount, then confirms the payment and enters the payment password.

[0024] (2) The user scans the merchant dynamic code, confirms the payment amount, then confirms the payment and enters the payment password.

[0025] Receipt QR code scanning means that the merchant scans the user's dynamic code, the merchant enters the payment amount, then the user confirms the payment and enters the payment password.

[0026] In the above technical solution, in the account management method, the national secret encryption and decryption algorithm is used to encrypt the data during the transmission process.

[0027] In the above technical solution, the encryption method specifically includes the following content:

[0028] 1) Download the national cryptographic digital certificate:

[0029] First, the integrated component is called to detect whether the local certificate exists and whether it has expired; then, the identity of the business system is recognized through the https interface first, and the certificate application is carried out; the certificate download request is sent to the payment system for verification, the certificate is applied for download, and the certificate is imported into the component;

[0030] 2) POS sign-in:

[0031] First, the terminal sign-in is carried out by calling through the https interface, and the certificate legality is verified on the user side; the request is forwarded to the payment system, and the sign-in service processing is carried out in the payment system;

[0032] 3) Transaction payment:

[0033] When the user makes an offline payment or an online payment, the digital certificate is used to sign the message.

[0034] In the above technical solution, during the transaction payment, the https interface is called for transaction payment. First, the request is sent to the payment system, the SVS service is called to verify the signature legality, and the encryption machine service is called to encrypt the card number and password submitted by the user, and it is compared with the card number and password in the database.

[0035] The travel card account management method provided by the present invention has the following advantages compared with the prior art:

[0036] The travel card account management method of the present invention integrates a variety of life services and payment functions, providing a convenient one-stop service; uses encryption technology to ensure payment security, such as encrypting the payment code for generation; sets up a variety of account security management mechanisms, which is convenient for users' daily life consumption, improves the payment efficiency; ensures the safety of users' funds and information; enriches the channels for users to obtain welfare and improves the user experience.

[0037] (2) The travel card account management method of the present invention, in the travel card system, combines the data interaction characteristics of each software, and uses the national cryptographic encryption and decryption algorithm to encrypt the data during the transmission process, effectively preventing the data from being stolen and tampered with, ensuring the security of data transmission, and at the same time integrating the standardized data format requirements in intellectual property rights, improving the compatibility and universality of encryption. Brief Description of the Drawings

[0038] Figure 1 is the flowchart of the travel card account management method of the present invention. Detailed Embodiment

[0039] The following is a detailed description of the specific embodiments of the present invention. It should be understood that the specific embodiments described herein are only for the purpose of illustrating and explaining the present invention, and are not intended to limit the present invention.

[0040] As Figure 1 shown, the travel pass card account management method of the present invention includes the following management modules:

[0041] The user terminal is used for the management and operation of user account information;

[0042] The order system is used for the order management of users;

[0043] The transaction system is used for the management of created transactions and bill management;

[0044] The cashier desk is used for paying the order;

[0045] The payment system is used for the management of payment parameters and third-party orders;

[0046] The third-party channel is used for docking with merchants.

[0047] The user first registers an account on the user terminal and undergoes real-name authentication, and then can choose to obtain an electronic card of the travel pass card or purchase a physical card with a fixed denomination or an electronic card with a fixed denomination. The electronic card with a fixed denomination can also be a welfare coupon.

[0048] The travel pass card account management method specifically includes the following contents:

[0049] Step S1, the order management stage.

[0050] The user first submits an order on the user terminal, the order system automatically creates an order, and then the transaction system creates a transaction and a bill and returns the results to the order system and the user terminal. The order system sends an instruction to the cashier desk according to the transaction amount and the bill.

[0051] Step S2, the payment method selection stage.

[0052] After receiving the instruction, the cashier desk initiates a payment method selection on the user terminal. The user selects the corresponding payment method and sends the payment method signal to the cashier desk. The cashier desk creates a third-party order for the payment system. The payment system places an order with the third-party channel according to the received signal; at the same time, it returns the payment parameters to the payment system, the cashier desk, and the user terminal, and displays the third-party order on the user terminal.

[0053] Furthermore, the payment methods are divided into online recharge and offline payment.

[0054] After the user terminal generates an electronic travel card, it is necessary to first bind the card online and recharge it. When recharging, first select the travel card in the payment method, enter the card number and password, and complete the recharge after entering the recharge amount. The method of entering the card number can be the commonly used method of taking a photo to recognize the card number or manually entering the card number in the current App.

[0055] Among them, for offline payment, the user needs to first bind the travel card in the App of the third party, then enter the password of the travel card, confirm the balance, and complete the card binding process; then enter the confirmation payment stage. The card binding process can be the commonly used method of taking a photo to recognize the card number or manually entering the card number in the current App.

[0056] Step S3, confirmation payment stage.

[0057] The user enters the password in the user terminal to complete the payment. The third-party channel receives the information of successful payment and feeds back the receipt of the payment information to the payment system, cashier desk, transaction system, order system, and user terminal to complete the whole process. Further, the App uses the commonly used method of scanning the QR code, which is divided into two types: payment QR code scanning and receipt QR code scanning, that is, barcode payment technology:

[0058] Payment QR code scanning is divided into:

[0059] (1) The user scans the merchant static code, enters the payment amount, then confirms the payment, and enters the payment password;

[0060] (2) The user scans the merchant dynamic code, confirms the payment amount, then confirms the payment, and enters the payment password.

[0061] Receipt QR code scanning means that the merchant scans the user dynamic code, the merchant enters the payment amount, then the user confirms the payment, and enters the payment password.

[0062] After the user enters the payment password, the payment information will be displayed on the client. The payment information includes that the balance is sufficient for successful payment or the balance is insufficient for failed payment.

[0063] The account management method of the present invention also uses the national cryptography encryption and decryption algorithm to encrypt the data during the transmission process. The encryption method specifically includes the following content:

[0064] 1) Download the national cryptography digital certificate:

[0065] First, call the integrated component to detect whether the local certificate exists and whether it has expired; if the certificate needs to be downloaded, it is necessary to call the integrated component to generate P10; then first perform business system identity recognition through the https interface, and then call the https interface to apply for the certificate.

[0066] The certificate download request is sent to the payment system for verification. The RA service is called to apply for downloading the certificate, and the SVS service is called to upload the public key certificate. The certificate is returned to the security gateway and then imported into the component.

[0067] 2) POS Sign-in:

[0068] First, the terminal sign-in is performed by calling through the https interface, and the certificate legitimacy verification is carried out on the user side.

[0069] The request is forwarded to the payment system, and the sign-in service is processed in the payment system. One device has one password, and the session identifier will be saved within 24 hours for use when calling subsequent interfaces. If it expires, the sign-in needs to be performed again.

[0070] 3) Transaction Payment:

[0071] When the user makes an offline or online payment, the digital certificate is used to sign the message.

[0072] When the https interface is called for transaction payment, the request is sent to the payment system. The SVS service is called to verify the signature legitimacy, and the encryption machine service is called to encrypt the card password submitted by the user and compare it with the card password in the database.

[0073] The transaction system processes the transaction service and feedbacks the transaction result.

[0074] The above embodiments are only the preferred embodiments of the present invention and do not impose any form of limitation on the present invention. Although the present invention has been disclosed above with the preferred embodiments, it is not intended to limit the present invention. Therefore, any simple modification, equivalent change and modification made to the above embodiments based on the technical essence of the present invention without departing from the technical solution of the present invention shall fall within the scope of the technical solution of the present invention.

Claims

1. A method for managing a travel card account, characterized in that, It includes the following management modules: The user terminal is used for the management and operation of user account information; The order system is used for the order management of users; The transaction system is used for the management of created transactions and bill management; The cashier desk is used for paying orders; The payment system is used for the management of payment parameters and third-party orders; The third-party channel is used for docking with merchants; The account management method specifically includes the following content: Step S1: The user first submits an order on the user terminal. The order system automatically creates an order. Then the transaction system creates a transaction and a bill and returns the results to the order system and the user terminal. The order system sends an instruction to the cashier desk according to the transaction amount and the bill; Step S2: After receiving the instruction, the cashier desk initiates a payment method selection on the user terminal. The user selects a payment method and sends a payment method signal to the cashier desk. The cashier desk creates a third-party order for the payment system. The payment system places an order with the third-party channel according to the received signal; at the same time, it returns payment parameters to the payment system, the cashier desk, and the user terminal, and displays the third-party order on the user terminal; Step S3: The user enters a password in the App order to complete the payment. The third-party channel receives the information of successful payment and feeds back the receipt of the payment information to the payment system, the cashier desk, the transaction system, the order system, and the user terminal to complete the whole process.

2. The method for managing a travel card account according to claim 1, wherein, In the account management method, the user first registers an account on the user terminal and conducts real-name authentication, and then selects to obtain an electronic Lvtong card or purchase a physical card with a fixed denomination or an electronic card with a fixed denomination for account binding.

3. The travel pass card account management method according to claim 1, wherein In step S2, if the payment method is selected as online payment, after the user terminal generates an electronic Lvtong card, it first conducts online card binding and recharge; when recharging, first select the Lvtong card in the payment method, enter the card number and password, and complete the recharge after entering the recharge amount.

4. The preparation method of the travel card account management method according to claim 1, characterized in that, In step S2, if the payment method is selected as offline payment, the user first binds the Lvtong card in the App of the third party, then enters the password of the Lvtong card, determines the balance, and completes the card binding process; then it reaches the confirmation payment stage.

5. The preparation method of the travel card account management method according to claim 1, characterized in that, In step S3, the App uses the method of scanning a QR code, which is divided into two types: payment QR code scanning and receipt QR code scanning, that is, barcode payment technology: Payment QR code scanning is divided into: (1) The user scans the static code of the merchant, enters the payment amount, then confirms the payment, and enters the payment password; (2) The user scans the dynamic code of the merchant, confirms the payment amount, then confirms the payment, and enters the payment password; Receipt QR code scanning means that the merchant scans the user's dynamic code, the merchant enters the payment amount, then the user confirms the payment, and enters the payment password.

6. The preparation method of the travel card account management method according to claim 5, characterized in that, In the account management method, the national secret encryption and decryption algorithm is used to encrypt the data during the transmission process.

7. The preparation method of the travel card account management method according to claim 5, characterized in that, The encryption method specifically includes the following content: 1) Download the national secret digital certificate: First, the integrated component is called to detect whether the local certificate exists and whether it has expired; then the business system identity is recognized through the https interface first, and the certificate application is carried out; the certificate download request is sent to the payment system for verification, the certificate is applied for download, and the certificate is imported into the component; 2) POS signing-in: First, make a call through the https interface for terminal check-in and verify the certificate legality on the user side; forward the request to the payment system and process the check-in service in the payment system; 3) Transaction payment: When the user makes an offline or online payment, use the digital certificate to sign the message.

8. The preparation method of the travel card account management method according to claim 5, characterized in that, During the transaction payment, make a call through the https interface for transaction payment. First, send a request to the payment system, call the SVS service to verify the signature legality, call the encryption machine service to encrypt the card number and password submitted by the user, and compare it with the card number and password in the database.

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