CN101364329A - Non-contact bus card application system and management method based on mobile communication equipment - Google Patents
Non-contact bus card application system and management method based on mobile communication equipment Download PDFInfo
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Abstract
本发明提供一种基于移动通信设备的非接触式公交卡类应用系统及管理方法，系统包括作为用户终端的移动通信设备(4)、公交系统(1)、离线帐户管理平台(2)以及移动支付平台(3)，所述移动通信设备(4)接入移动支付平台(3)的移动通信网络，且移动通信设备(4)通过非接触感应设备(5)与公交系统(1)交互，所述公交系统(1)、离线账户管理平台(2)以及移动支付平台(3)依次连接。本发明将移动通信设备，特别是手机作为公共交通系统的电子票据载体，使得手机既可以实现原有的通讯功能，又同时能取代公共交通系统的IC卡，方便了用户出行。
The invention provides a non-contact bus card application system and management method based on mobile communication equipment. The system includes a mobile communication equipment (4) as a user terminal, a bus system (1), an offline account management platform (2) and a mobile payment platform (3), the mobile communication device (4) accesses the mobile communication network of the mobile payment platform (3), and the mobile communication device (4) interacts with the public transportation system (1) through a non-contact sensing device (5), The public transportation system (1), the offline account management platform (2) and the mobile payment platform (3) are sequentially connected. The invention uses the mobile communication equipment, especially the mobile phone, as the electronic ticket carrier of the public transportation system, so that the mobile phone can not only realize the original communication function, but also replace the IC card of the public transportation system, which is convenient for users to travel.
Description
技术领域 technical field
本发明属于移动通信技术与公共交通领域技术的交叉，特别是涉及一种基于移动通信设备的公共交通管理系统及管理方法。The invention belongs to the intersection of mobile communication technology and public transportation technology, and in particular relates to a public transportation management system and management method based on mobile communication equipment.
技术背景technical background
目前城市公共交通网络十分发到，从公共汽车、渡轮到公交，在方便市民的同时，票检成了一个突出的问题，从最初的掏钱买票，慢慢发展到利用IC卡作为电子票，虽然IC卡给票检带来了极大的便利，但日常生活中，人们身边充斥着各种各样的IC卡，公交卡、银行卡、校园卡、集团内部门禁卡、消费卡、购物卡等等，用户往往需要随身配备很多张IC卡，不但不容易识别，密码难记，而且容易丢失，携带不便，开卡、充值等过程比较冗杂，且存在一定的安全隐患，本来其存在目的是为了方便人们的IC卡反而渐渐给人们带来很多的不便。故而，如何采用IC卡带来的便利，而又避免IC卡过多造成的不便，成了人们追求高质量生活的要求。At present, the urban public transportation network is very developed. From buses, ferries to buses, ticket inspection has become a prominent problem while providing convenience to citizens. From the initial purchase of tickets, it has gradually developed to use IC cards as electronic tickets. , although IC cards have brought great convenience to ticket inspection, in daily life, people are surrounded by various IC cards, such as bus cards, bank cards, campus cards, internal group cards, consumer cards, shopping cards, etc. Cards, etc., users often need to carry a lot of IC cards with them. Not only are they not easy to identify, passwords are difficult to remember, but they are also easy to lose and inconvenient to carry. It is for the convenience of people's IC card but gradually brings a lot of inconvenience to people. Therefore, how to use the convenience brought by IC cards and avoid the inconvenience caused by too many IC cards has become a requirement for people to pursue a high-quality life.
而目前随着移动通信技术的发展，移动通信设备，特别是手机已经非常普及，移动通信设备的特点使得其可以作为电子支付的媒介，故而将移动通信设备应用于公共交通系统中，用移动通信设备作为公共交通系统电子票据的介质，将带来新一轮的重大便利。At present, with the development of mobile communication technology, mobile communication devices, especially mobile phones, have become very popular. The characteristics of mobile communication devices make them can be used as the medium of electronic payment. As the medium of electronic bills in the public transportation system, the equipment will bring a new round of great convenience.
发明内容 Contents of the invention
本发明的目的在于克服现有技术的不足，提供一种将移动通信设备和公共交通系统的便利相结合的一种基于移动通信设备的公交管理系统。The purpose of the present invention is to overcome the deficiencies of the prior art and provide a mobile communication device-based public transport management system that combines the convenience of the mobile communication device with the public transport system.
本发明的另一目的在于根据该系统，提供一种基于移动通信设备的公交管理方法。Another object of the present invention is to provide a public transport management method based on the mobile communication device according to the system.
为了实现发明目的一，采用的技术方案如下：In order to realize the purpose of the invention one, the technical scheme adopted is as follows:
一种基于移动通信设备的非接触式公交卡类应用系统，包括作为用户终端的移动通信设备、公交系统、离线帐户管理平台以及移动支付平台，所述移动通信设备接入移动支付平台的移动通信网络，且移动通信设备通过非接触感应设备与公交系统交互，所述公交系统、离线帐户管理平台以及移动支付平台依次连接。A non-contact bus card application system based on a mobile communication device, including a mobile communication device as a user terminal, a bus system, an offline account management platform, and a mobile payment platform, and the mobile communication device is connected to the mobile communication platform of the mobile payment platform. network, and the mobile communication device interacts with the public transportation system through the non-contact sensing device, and the public transportation system, the offline account management platform and the mobile payment platform are sequentially connected.
本发明将移动通信设备作为用户终端，即公交系统的电子票据载体，用户只需使用移动通信设备就可以充当公共交通系统的票据，无需再携带专门的IC卡等现有票据，也就避免了排队买票或是充值等，方便了出行。另一方面，移动通信设备接入移动支付平台的移动通信网络，故而移动通信设备在公交系统的消费可采用移动支付平台轻松支付，无须另外开设支付帐户，且通过离线帐户管理平台连接公交系统和移动支付系统，可实现移动支付系统和公交系统之间的信息交流，将移动通信网络成熟便捷的用户管理也移植到公交系统上，可以为用户提供包括空中充值、结合个人身份识别的联机与脱机在线消费、结合后台的数据分析进行精准营销并下发优惠券、还可以提供用户通过互联网或者手机进行交易查询、冻结挂失等功能业务，使得用户与公交系统更为互动。In the present invention, the mobile communication device is used as the user terminal, that is, the electronic bill carrier of the public transport system, and the user only needs to use the mobile communication device to serve as the bill of the public transport system, and does not need to carry existing bills such as special IC cards, thus avoiding It is convenient to travel in line to buy tickets or recharge, etc. On the other hand, mobile communication devices are connected to the mobile communication network of the mobile payment platform, so the consumption of mobile communication devices in the public transportation system can be easily paid by the mobile payment platform, without the need to open an additional payment account, and the offline account management platform is connected to the public transportation system and The mobile payment system can realize the information exchange between the mobile payment system and the public transportation system, transplant the mature and convenient user management of the mobile communication network to the public transportation system, and provide users with online and offline services including air recharge and personal identification. It can also provide users with functional services such as transaction inquiry through the Internet or mobile phones, freezing and loss reporting, etc., making users more interactive with the bus system.
上述技术方案中，所述移动通信设备与公交系统之间的交互采用射频识别设备。In the above technical solution, the interaction between the mobile communication device and the public transportation system adopts a radio frequency identification device.
所述射频识别设备的识别频率为13.56M或2.4G。The identification frequency of the radio frequency identification device is 13.56M or 2.4G.
所述移动通信设备采用带双界面sim卡的手机、或带RFsim卡的手机、或NFC手机、或SWP手机、或带RFID单模卡手机。The mobile communication device adopts a mobile phone with a dual-interface sim card, or a mobile phone with a RFsim card, or an NFC mobile phone, or a SWP mobile phone, or a mobile phone with an RFID single-mode card.
为了实现发明目的二，采用的技术方案如下：In order to realize the purpose of the invention two, the technical scheme adopted is as follows:
一种基于移动通信设备的非接触式公交管理方法，采用实现发明目的一的管理系统实现，用户使用移动通信设备在公交系统进行消费，通过离线帐户管理平台对消费过程进行管理，并通过移动支付平台对消费金额进行支付。A non-contact bus management method based on mobile communication equipment, which is realized by a management system that realizes the first object of the invention. Users use mobile communication equipment to consume in the bus system, manage the consumption process through an offline account management platform, and use mobile payment The platform pays the consumption amount.
所述离线帐户管理平台进行的管理包括开户、消费、充值、挂失、卡在线升级。The management performed by the offline account management platform includes account opening, consumption, recharging, loss reporting, and card online upgrade.
本发明将移动通信设备，特别是手机作为公交系统的电子票据载体，使得手机既可以实现原有的通讯功能，又同时能取代公共交通系统的IC卡，方便了用户出行。The invention uses the mobile communication equipment, especially the mobile phone, as the electronic ticket carrier of the public transportation system, so that the mobile phone can not only realize the original communication function, but also replace the IC card of the public transportation system, which is convenient for users to travel.
附图说明 Description of drawings
图1为本发明的系统结构示意图；Fig. 1 is a schematic diagram of the system structure of the present invention;
图2为本发明的开户管理流程图；Fig. 2 is the account opening management flowchart of the present invention;
图3为本发明的充值管理流程图；Fig. 3 is the flow chart of recharging management of the present invention;
图4为本发明的消费管理流程图；Fig. 4 is the consumption management flowchart of the present invention;
图5为本发明的在线升级管理流程图；Fig. 5 is the flow chart of online upgrade management of the present invention;
图6为本发明的挂失管理流程图。Fig. 6 is a flow chart of loss report management in the present invention.
具体实施方式 Detailed ways
下面结合附图对本发明做进一步的说明。The present invention will be further described below in conjunction with the accompanying drawings.
本发明的系统结构示意图如附图1所示，由移动通信设备4、公交系统1、离线帐户管理平台2、移动支付平台3、非接触感应设备5组成，移动通信设备4采用手机，通过近距离非接触方式与公交系统1交互，公交系统1、离线帐户管理平台2、移动支付平台3相互连接。The system structural diagram of the present invention is shown in accompanying drawing 1, is made up of mobile communication equipment 4, bus system 1, off-line account management platform 2, mobile payment platform 3, non-contact sensing equipment 5, and mobile communication equipment 4 adopts mobile phone, through near Interact with the bus system 1 in a non-contact manner, and the bus system 1, the offline account management platform 2, and the mobile payment platform 3 are connected to each other.
作为一个实施例，本发明的移动通信设备4采用带双界面SIM卡的手机。As an embodiment, the mobile communication device 4 of the present invention adopts a mobile phone with a dual-interface SIM card.
本发明的开户管理流程如附图2所示，用户向离线帐户管理平台提交开户申请；离线帐户管理平台审核通过后，向用户确定一个支付帐户，该支付帐户与用户使用的手机在接入移动通信网络时相对应，同时离线帐户管理平台以人工操作的方式在用户使用的手机上设置一个与公交系统交互的射频感应识别设备，最后离线帐户管理平台存储包含有支付帐户的用户信息。The account opening management process of the present invention is shown in Figure 2. The user submits an account opening application to the offline account management platform; Corresponding to the communication network, at the same time, the offline account management platform manually sets up a radio frequency induction identification device that interacts with the bus system on the mobile phone used by the user, and finally the offline account management platform stores the user information including the payment account.
本发明的充值管理包括如下步骤：The charging management of the present invention comprises the following steps:
(31)用户使用移动通信设备通过无线移动通信网络发出充值请求；(31) The user uses the mobile communication device to send a recharge request through the wireless mobile communication network;
(32)离线帐户管理平台接收用户的充值请求，并对用户进行身份鉴权；(32) The offline account management platform receives the user's recharge request, and performs identity authentication on the user;
(33)鉴权通过后，离线帐户管理平台将充值请求发送到移动支付平台，由移动支付平台对该充值请求进行确认；(33) After passing the authentication, the offline account management platform sends the recharge request to the mobile payment platform, and the mobile payment platform confirms the recharge request;
(34)移动支付平台确认该充值请求后，向离线帐户管理平台发出资金划拨的指令信息，通过离线帐户管理平台根据用户的充值请求将资金注入用户的支付帐户中，同时通过无线移动通信网络在卡端电子钱包中增加相同的金额；(34) After the mobile payment platform confirms the recharge request, it sends an instruction message for fund transfer to the offline account management platform, and injects the funds into the user's payment account through the offline account management platform according to the user's recharge request, and at the same time through the wireless mobile communication network. Add the same amount to the electronic wallet at the card end;
(35)资金注入后，离线帐户管理平台向移动支付平台发出同步充值记录信息；(35) After the funds are injected, the offline account management platform sends synchronous recharge record information to the mobile payment platform;
(36)离线帐户管理平台通过无线移动通信网络向移动通信设备发回充值信息确认。(36) The offline account management platform sends back the recharge information confirmation to the mobile communication device through the wireless mobile communication network.
具体在本实施例中，手机通过近距离非接触技术与公交系统的票检交互，充值过程如附图3所示，手机用户可以使用STK程序、短信、K-JAVA、WAP等方式发送充值申请；充值申请信息上传到离线帐户管理平台上；离线帐户管理平台向资金帐户平台(如银行等)发起转帐扣费申请；如果扣费成功，则离线帐户管理平台向移动支付平台发起充值申请；通过无线移动通信网络将相应充值金额写入卡端；充值完成后，离线帐户管理平台发送短信通知用户。Specifically in this embodiment, the mobile phone interacts with the ticket inspection of the public transportation system through the short-distance non-contact technology. ;The recharge application information is uploaded to the offline account management platform; the offline account management platform initiates a transfer deduction application to the fund account platform (such as a bank, etc.); if the deduction is successful, the offline account management platform initiates a recharge application to the mobile payment platform; The wireless mobile communication network writes the corresponding recharge amount into the card end; after the recharge is completed, the offline account management platform sends a short message to notify the user.
本发明的消费管理包括如下步骤：The consumption management of the present invention comprises the following steps:
消费管理包括如下步骤：Consumption management includes the following steps:
(21)用户使用移动通信设备的非接触公交卡与公交系统的非接触感应终端检票系统交互，公交系统将交易记录上传到离线帐户管理平台；(21) The user uses the non-contact bus card of the mobile communication device to interact with the non-contact induction terminal ticket checking system of the bus system, and the bus system uploads the transaction records to the offline account management platform;
(22)离线帐户管理平台通过结算模块对用户的消费金额进行结算，同时通过安全管理模块保证用户消费过程的帐户安全；(22) The offline account management platform settles the user's consumption amount through the settlement module, and at the same time ensures the account security of the user's consumption process through the security management module;
具体在本实施例中，消费过程如附图4所示，手机用户在公交系统的消费机具上刷卡；消费机具读取手机用户卡内的身份密钥信息；信息读取成功后，消费机具将直接扣除相应消费金额；扣除成功后，消费机具将交易记录上传到公交系统；公交系统再将交易记录上传给离线帐户管理平台和移动支付平台。Specifically in the present embodiment, the consumption process is as shown in accompanying drawing 4, and the mobile phone user swipes the card on the consumption equipment of public transport system; The consumption equipment reads the identity key information in the mobile phone user's card; After the information is successfully read, the consumption equipment will The corresponding consumption amount is directly deducted; after the deduction is successful, the consumption machine uploads the transaction record to the public transportation system; the public transportation system then uploads the transaction record to the offline account management platform and mobile payment platform.
所述在线升级管理包括如下步骤：The online upgrade management includes the following steps:
(51)用户通过STK菜单发起升级请求。(51) The user initiates an upgrade request through the STK menu.
(52)离线账户管理平台接收到升级请求，进行权限认证，同时判断是否需要升级。(52) The offline account management platform receives the upgrade request, performs authorization authentication, and simultaneously determines whether an upgrade is required.
(53)离线账户管理平台通过短信、数据通信、USSD等形式下发升级数据。(53) The offline account management platform sends upgrade data through SMS, data communication, USSD and other forms.
(54)卡端处理下发的STK升级数据，完成升级过程。(54) The card end processes the issued STK upgrade data to complete the upgrade process.
本发明的挂失管理如附图6所示，所述挂失管理包括如下步骤：Loss report management of the present invention is as shown in accompanying drawing 6, and described loss report management comprises the steps:
(61)手机用户在手机或网络终端、以及电话等向离线帐户管理平台提出挂失申请；(61) The mobile phone user submits an application for reporting the loss to the offline account management platform on the mobile phone or network terminal, or by phone;
(62)离线帐户管理平台进行身份验证，向移动支付平台冻结相应手机的支付资金；(62) The offline account management platform conducts identity verification and freezes the payment funds of the corresponding mobile phone to the mobile payment platform;
(63)离线帐户管理平台采集、核算手机用户在各商家消费机具的消费信息，完成挂失申请。(63) The offline account management platform collects and calculates the consumption information of mobile phone users in various merchants, and completes the loss reporting application.
(64)手机用户提出补卡申请，离线帐户管理平台进行身份验证，向移动支付平台解冻相应手机的支付资金，手机用户获得挂失余额。(64) The mobile phone user applies for card replacement, the offline account management platform conducts identity verification, unfreezes the payment funds of the corresponding mobile phone to the mobile payment platform, and the mobile phone user obtains the balance reported for loss.
此外，本发明还可以应用在通讯网络条件不便或有交易时间限制的行业领域的小额消费应用，如公交系统的所有应用场合、部分商户小额消费等。In addition, the present invention can also be applied to small-amount consumption applications in industries with inconvenient communication network conditions or limited transaction time, such as all application occasions of public transportation systems, small-amount consumption of some merchants, and the like.
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