CN110766394A - Bus taking payment method and device based on credit degree, electronic equipment and storage medium - Google Patents

Abstract

Translated fromChinese

本发明实施例提供了一种基于信用度的乘车支付方法、装置、电子设备及存储介质；其中，方法包括：响应于针对虚拟乘车卡的开通指令，呈现用于授权对应所述虚拟乘车卡的支付方式的支付授权按键；响应于基于所述支付授权按键触发的授权指令，获取所述虚拟乘车卡关联的目标用户的信用度；基于所述目标用户的信用度，为所述虚拟乘车卡分配相应的支付金额；响应于通过近场通信连接发送的第一支付订单，从所述支付金额中扣除对应所述第一支付订单的订单金额；基于所述订单金额，发送第二支付订单至所述支付方式对应的支付端，以基于所述第二支付订单，从关联的所述目标用户的支付账户中扣除所述订单金额。

Embodiments of the present invention provide a credit-based ride payment method, device, electronic device, and storage medium; wherein the method includes: in response to an activation instruction for a virtual ride card, presenting a method for authorizing the virtual ride corresponding to the virtual ride. The payment authorization button of the payment method of the card; in response to the authorization instruction triggered based on the payment authorization button, obtain the credit rating of the target user associated with the virtual ride card; based on the credit rating of the target user, the virtual ride The card allocates a corresponding payment amount; in response to a first payment order sent via the near field communication connection, deducting an order amount corresponding to the first payment order from the payment amount; sending a second payment order based on the order amount to the payment terminal corresponding to the payment method, to deduct the order amount from the associated payment account of the target user based on the second payment order.

Description

Translated fromChinese

基于信用度的乘车支付方法、装置、电子设备及存储介质Credit-based ride payment method, device, electronic device and storage medium

技术领域technical field

本发明涉及通信技术及区块链技术，尤其涉及一种基于信用度的乘车支付方法、装置、电子设备及存储介质。The invention relates to communication technology and block chain technology, and in particular, to a credit-based payment method, device, electronic device and storage medium.

背景技术Background technique

随着互联网技术的发展，用户乘车(如公交车、地铁)出行多采用实体乘车卡进行乘车支付，用户通过在刷卡设备上刷卡完成乘车支付，实体乘车卡的存在大大方便了用户的出行。With the development of Internet technology, users who travel by car (such as buses and subways) mostly use physical ride cards to pay for rides. Users complete ride payments by swiping cards on card-swiping devices. The existence of physical ride cards is greatly convenient. User travel.

相关技术中，实体乘车卡在使用前需要有足够支付乘车费用的余额，用户需要为实体乘车卡提前充值，而为实体乘车卡充值用户需要去到专门的充值点或手动通过手机为实体乘车卡充值，操作繁琐，在用户忘记提前充值的情况下，影响用户的乘车，用户体验低。In the related art, the physical ride card needs to have a sufficient balance to pay for the ride before use, and the user needs to recharge the physical ride card in advance, and to recharge the physical ride card, the user needs to go to a special recharge point or manually through the mobile phone. Recharging the physical bus card is cumbersome. If the user forgets to recharge in advance, the user's ride will be affected, and the user experience will be low.

发明内容SUMMARY OF THE INVENTION

本发明实施例提供一种基于信用度的乘车支付方法、装置、电子设备及存储介质，能够为用户带来先乘车后付费的体验，降低用户乘车所需的时间成本及操作成本。Embodiments of the present invention provide a credit-based ride payment method, device, electronic device, and storage medium, which can provide users with an experience of first ride and then pay, and reduce the time cost and operating cost required for the user to ride.

本发明实施例的技术方案是这样实现的：The technical solution of the embodiment of the present invention is realized as follows:

本发明实施例提供一种基于信用度的乘车支付方法，所述方法包括：An embodiment of the present invention provides a credit-based payment method for a ride, the method comprising:

响应于针对虚拟乘车卡的开通指令，呈现用于授权对应所述虚拟乘车卡的支付方式的支付授权按键；In response to the activation instruction for the virtual ride card, presenting a payment authorization button for authorizing a payment method corresponding to the virtual ride card;

响应于基于所述支付授权按键触发的授权指令，获取所述虚拟乘车卡关联的目标用户的信用度；In response to the authorization instruction triggered based on the payment authorization button, acquiring the credit rating of the target user associated with the virtual ride card;

基于所述目标用户的信用度，为所述虚拟乘车卡分配相应的支付金额；Allocate a corresponding payment amount to the virtual ride card based on the credit rating of the target user;

响应于通过近场通信连接发送的第一支付订单，从所述支付金额中扣除对应所述第一支付订单的订单金额；in response to a first payment order sent over the near field communication connection, deducting an order amount corresponding to the first payment order from the payment amount;

基于所述订单金额，发送第二支付订单至所述支付方式对应的支付端，以基于所述第二支付订单，从关联的所述目标用户的支付账户中扣除所述订单金额。Based on the order amount, a second payment order is sent to the payment terminal corresponding to the payment method, so as to deduct the order amount from the associated payment account of the target user based on the second payment order.

本发明实施例还提供一种基于信用度的乘车支付装置，包括：An embodiment of the present invention also provides a credit-based payment device for rides, including:

显示模块，用于响应于针对虚拟乘车卡的开通指令，呈现用于授权对应所述虚拟乘车卡的支付方式的支付授权按键；a display module, configured to present a payment authorization button for authorizing a payment method corresponding to the virtual ride card in response to an activation instruction for the virtual ride card;

获取模块，用于响应于基于所述支付授权按键触发的授权指令，获取所述虚拟乘车卡关联的目标用户的信用度；an obtaining module, configured to obtain the credit rating of the target user associated with the virtual bus pass in response to an authorization instruction triggered by the payment authorization button;

分配模块，用于基于所述目标用户的信用度，为所述虚拟乘车卡分配相应的支付金额；an allocation module, configured to allocate a corresponding payment amount to the virtual ride card based on the credit of the target user;

支付模块，用于响应于通过近场通信连接发送的第一支付订单，从所述支付金额中扣除对应所述第一支付订单的订单金额；a payment module, configured to deduct the order amount corresponding to the first payment order from the payment amount in response to the first payment order sent through the near field communication connection;

发送模块，用于基于所述订单金额，发送第二支付订单至所述支付方式对应的支付端，以基于所述第二支付订单，从关联的所述目标用户的支付账户中扣除所述订单金额。A sending module, configured to send a second payment order to the payment terminal corresponding to the payment method based on the order amount, so as to deduct the order from the associated payment account of the target user based on the second payment order amount.

上述方案中，所述装置还包括关联模块；In the above scheme, the device further includes an association module;

所述显示模块，还用于呈现对应所述支付方式的支付规则，以及用于确定所述支付方式的确定功能项；The display module is further configured to present a payment rule corresponding to the payment method, and a determination function item for determining the payment method;

所述关联模块，用于响应于根据所述支付规则触发的针对所述确定功能项的操作指令，关联所述虚拟乘车卡与对应所述支付方式的支付端。The association module is configured to associate the virtual bus card with a payment terminal corresponding to the payment method in response to an operation instruction for the determined function item triggered according to the payment rule.

上述方案中，所述获取模块，还用于发送对应所述目标用户的信用度获取请求；In the above solution, the obtaining module is further configured to send a request for obtaining a credit rating corresponding to the target user;

接收返回的用于表征所述目标用户的信用度的信用评分。Receive the returned credit score used to characterize the credit degree of the target user.

上述方案中，所述获取模块，还用于通过子应用程序，发送所述信用度获取请求至运行所述子应用程序的母应用程序。In the above solution, the acquisition module is further configured to send the credit degree acquisition request to the parent application running the sub-application through the sub-application.

上述方案中，所述分配模块，还用于基于所述目标用户的信用度、信用度与支付额度的映射关系，确定所述虚拟乘车卡的支付额度；In the above solution, the allocation module is further configured to determine the payment limit of the virtual ride card based on the credit degree of the target user, the mapping relationship between the credit degree and the payment limit;

基于所述虚拟乘车卡的支付额度，为所述虚拟乘车卡分配相应的支付金额。Based on the payment amount of the virtual ride card, a corresponding payment amount is allocated to the virtual ride card.

上述方案中，所述显示模块，还用于在视图界面中呈现包含乘车卡卡号的所述虚拟乘车卡，所述乘车卡卡号用于标识所述虚拟乘车卡，指示所述虚拟乘车卡开通成功。In the above solution, the display module is further configured to present the virtual ride card including the ride card number in the view interface, and the ride card number is used to identify the virtual ride card and indicate the virtual ride card. The card was successfully activated.

上述方案中，所述显示模块，还用于通过弹窗，呈现所述虚拟乘车卡对应的刷卡信息和/或支付信息。In the above solution, the display module is further configured to present card swiping information and/or payment information corresponding to the virtual bus pass through a pop-up window.

上述方案中，所述获取模块，还用于发送包含所述订单金额的对应所述虚拟乘车卡的刷卡记录；In the above solution, the acquisition module is further configured to send a credit card record corresponding to the virtual ride card including the order amount;

接收返回的基于所述刷卡记录生成的所述第二支付订单，所述第二支付订单对应的支付金额与所述订单金额相同。The returned second payment order generated based on the card swiping record is received, and the payment amount corresponding to the second payment order is the same as the order amount.

上述方案中，所述装置还包括：In the above scheme, the device also includes:

充值模块，用于接收对应所述第二支付订单的支付成功消息；a recharge module, configured to receive a payment success message corresponding to the second payment order;

基于所述支付成功消息，为所述虚拟乘车卡充值，使得所述虚拟乘车卡的余额与所述支付金额相同。Based on the payment success message, the virtual ride card is recharged so that the balance of the virtual ride card is the same as the payment amount.

上述方案中，所述支付模块，还用于响应于通过近场通信连接发送的第三支付订单，获取所述虚拟乘车卡的余额；In the above solution, the payment module is further configured to obtain the balance of the virtual ride card in response to the third payment order sent through the near field communication connection;

所述显示模块，还用于当所述余额小于所述第三支付订单的订单金额时，呈现提示余额不足的提示消息。The display module is further configured to present a prompt message indicating that the balance is insufficient when the balance is less than the order amount of the third payment order.

上述方案中，所述获取模块，还用于获取更新的所述目标用户的信用度；In the above scheme, the obtaining module is further configured to obtain the updated credit of the target user;

所述分配模块，还用于基于更新的所述目标用户的信用度，调整为所述虚拟乘车卡分配的支付金额。The allocation module is further configured to adjust the payment amount allocated for the virtual ride card based on the updated credit rating of the target user.

上述方案中，所述装置还包括检测模块；In the above scheme, the device further includes a detection module;

所述检测模块，用于检测近场通信接口，得到检测结果；The detection module is used to detect the near field communication interface and obtain the detection result;

所述显示模块，还用于当所述检测结果表征检测到近场通信接口时，呈现用于授权对应所述虚拟乘车卡的支付方式的支付授权按键。The display module is further configured to present a payment authorization button for authorizing a payment method corresponding to the virtual ride card when the detection result indicates that a near field communication interface is detected.

上述方案中，所述装置还包括：In the above scheme, the device also includes:

存储模块，用于对所述第二支付订单进行哈希处理，得到所述第二支付订单的摘要；a storage module, configured to perform hash processing on the second payment order to obtain a summary of the second payment order;

存储所述第二支付订单的摘要至区块链网络。A summary of the second payment order is stored to the blockchain network.

本发明实施例还提供一种电子设备，包括：An embodiment of the present invention also provides an electronic device, including:

存储器，用于存储可执行程序；memory for storing executable programs;

处理器，用于执行所述存储器中存储的可执行程序时，实现本发明实施例提供的基于信用度的乘车支付方法。The processor is configured to implement the credit-based ride payment method provided by the embodiment of the present invention when executing the executable program stored in the memory.

本发明实施例还提供一种存储介质，存储有可执行程序，所述可执行程序被处理器执行时，实现本发明实施例提供的基于信用度的乘车支付方法。An embodiment of the present invention further provides a storage medium storing an executable program, and when the executable program is executed by a processor, the credit-based ride payment method provided by the embodiment of the present invention is implemented.

应用本发明上述实施例具有以下有益效果：The application of the above-mentioned embodiments of the present invention has the following beneficial effects:

基于用户的信用度为用户的虚拟乘车卡分配相应的支付金额，在用户乘车后，首先从分配的支付金额中扣除相应的乘车费用，之后再从用户的支付账户中扣除该乘车费用，为用户带来先乘车后付费的体验，同时，由于用户无需为虚拟乘车卡充值，大大降低了用户乘车所需的时间成本及人力成本，提高用户的乘车体验。The corresponding payment amount is allocated to the user's virtual ride card based on the user's credit rating. After the user rides, the corresponding ride fee is first deducted from the allocated payment amount, and then the ride fee is deducted from the user's payment account. , to bring users the experience of paying after the first ride. At the same time, because the user does not need to recharge the virtual ride card, the time cost and labor cost required for the user's ride are greatly reduced, and the user's ride experience is improved.

附图说明Description of drawings

图1A至图1G为相关技术提供的通过手机为实体乘车卡充值的界面视图；1A to 1G are interface views of recharging a physical bus card through a mobile phone provided by the related art;

图2A至图2H为相关技术提供的通过乘车码实现乘车支付的界面视图；2A to FIG. 2H are interface views of realizing ride payment through ride codes provided by the related art;

图3为本发明实施例提供的基于信用度的乘车支付系统的一个可选的架构示意图；FIG. 3 is an optional schematic structural diagram of a credit-based ride payment system provided by an embodiment of the present invention;

图4是本发明实施例提供的电子设备400的结构示意图；FIG. 4 is a schematic structural diagram of an electronic device 400 provided by an embodiment of the present invention;

图5A为本发明实施例提供的客户端运行小程序的一个可选的系统架构示意图；5A is a schematic diagram of an optional system architecture for a client to run a small program according to an embodiment of the present invention;

图5B为本发明实施例提供的在客户端中显示小程序页面的示意图；5B is a schematic diagram of displaying an applet page in a client according to an embodiment of the present invention;

图6为本发明实施例提供的基于信用度的乘车支付方法的流程示意图；FIG. 6 is a schematic flowchart of a credit-based ride payment method provided by an embodiment of the present invention;

图7A至图7G为本发明实施例提供的基于信用度的乘车支付的界面视图；7A to 7G are interface views of credit-based ride payment provided by an embodiment of the present invention;

图8为本发明实施例提供的区块链网络的应用架构示意图；8 is a schematic diagram of an application architecture of a blockchain network provided by an embodiment of the present invention;

图9是本发明实施例提供的区块链网络80中区块链的结构示意图；9 is a schematic structural diagram of a blockchain in a blockchain network 80 provided by an embodiment of the present invention;

图10为本发明实施例提供的区块链网络80的功能架构示意图；FIG. 10 is a schematic diagram of a functional architecture of a blockchain network 80 provided by an embodiment of the present invention;

图11为本发明实施例提供的开通虚拟乘车卡的方法流程示意图；11 is a schematic flowchart of a method for opening a virtual ride card provided by an embodiment of the present invention;

图12A及图12B为本发明实施例提供的开通虚拟乘车卡的方法流程示意图；12A and 12B are schematic flowcharts of a method for opening a virtual ride card according to an embodiment of the present invention;

图13A及图13B为本发明实施例提供的使用虚拟乘车卡的方法流程示意图；13A and 13B are schematic flowcharts of a method for using a virtual ride card according to an embodiment of the present invention;

图14为本发明实施例提供的基于信用度的乘车支付装置的组成结构示意图。FIG. 14 is a schematic diagram of the composition and structure of a credit-based ride-payment device according to an embodiment of the present invention.

具体实施方式Detailed ways

以下结合附图及实施例，对本发明进行进一步详细说明。应当理解，此处所提供的实施例仅仅用以解释本发明，并不用于限定本发明。另外，以下所提供的实施例是用于实施本发明的部分实施例，而非提供实施本发明的全部实施例，在不冲突的情况下，本发明实施例记载的技术方案可以任意组合的方式实施。The present invention will be further described in detail below with reference to the accompanying drawings and embodiments. It should be understood that the embodiments provided herein are only used to explain the present invention, and are not intended to limit the present invention. In addition, the embodiments provided below are part of the embodiments for implementing the present invention, rather than providing all the embodiments for implementing the present invention. In the case of no conflict, the technical solutions described in the embodiments of the present invention can be combined arbitrarily. implement.

需要说明的是，在本发明实施例中，术语“包括”、“包含”或者其任何其他变体意在涵盖非排他性的包含，从而使得包括一系列要素的方法或者装置不仅包括所明确记载的要素，而且还包括没有明确列出的其他要素，或者是还包括为实施方法或者装置所固有的要素。在没有更多限制的情况下，由语句“包括一个……”限定的要素，并不排除在包括该要素的方法或者装置中还存在另外的相关要素(例如方法中的步骤或者装置中的单元，例如的单元可以是部分电路、部分处理器、部分程序或软件等等)。It should be noted that, in the embodiments of the present invention, the terms "comprising", "comprising" or any other variations thereof are intended to cover non-exclusive inclusion, so that a method or device including a series of elements not only includes the explicitly stated elements, but also other elements not expressly listed or inherent to the implementation of the method or apparatus. Without further limitation, an element defined by the phrase "comprising a..." does not preclude the presence of additional related elements (eg, steps in a method or elements in an apparatus) in the method or apparatus that includes the element , for example, a unit may be part of a circuit, part of a processor, part of a program or software, etc.).

例如，本发明实施例提供的网页处理方法包含了一系列的步骤，但是本发明实施例提供的网页处理方法不限于所记载的步骤，同样地，本发明实施例提供的网页处理装置包括了一系列单元，但是本发明实施例提供的装置不限于包括所明确记载的单元，还可以包括为获取相关信息、或基于信息进行处理时所需要设置的单元。For example, the web page processing method provided by the embodiment of the present invention includes a series of steps, but the web page processing method provided by the embodiment of the present invention is not limited to the described steps. Similarly, the web page processing apparatus provided by the embodiment of the present invention includes a A series of units, but the apparatus provided by the embodiment of the present invention is not limited to including the units explicitly described, and may also include units that need to be set for acquiring relevant information or performing processing based on the information.

对本发明进行进一步详细说明之前，对本发明实施例中涉及的名词和术语进行说明，本发明实施例中涉及的名词和术语适用于如下的解释。Before the present invention is further described in detail, the terms and terms involved in the embodiments of the present invention are described. The terms and terms involved in the embodiments of the present invention are applicable to the following explanations.

1)母应用程序，例如各种客户端，包括终端中运行的用于提供各种服务的应用程序，典型地，以微信为代表的即时通信客户端。1) Parent applications, such as various clients, including applications running in the terminal for providing various services, typically, instant messaging clients represented by WeChat.

2)子应用程序，在母应用中程序中运行的程序，例如小程序，小程序是基于面向前端的语言(例如JavaScript)开发的、在超文本标记语言(HTML，Hyper Text MarkupLanguage)页面中实现服务的程序，通过客户端下载后可以立即在客户端中解释执行，节省在客户端中安装的步骤。2) Sub-applications, programs that run in programs in the parent application, such as applet programs, which are developed based on front-end-oriented languages (e.g. JavaScript) and implemented in Hyper Text Markup Language (HTML, Hyper Text Markup Language) pages The program of the service can be interpreted and executed in the client immediately after being downloaded by the client, saving the steps of installation in the client.

3)交易(Transaction)，等同于计算机术语“事务”，交易包括了需要提交到区块链网络执行的操作，并非单指商业语境中的交易，鉴于在区块链技术中约定俗成地使用了“交易”这一术语，本发明实施例遵循了这一习惯。3) Transaction (Transaction), which is equivalent to the computer term "transaction". Transaction includes operations that need to be submitted to the blockchain network for execution, not just transactions in a business context. In view of the conventional use of blockchain technology The term "transaction", the embodiment of the present invention follows this convention.

例如，部署(Deploy)交易用于向区块链网络中的节点安装指定的智能合约并准备好被调用；调用(Invoke)交易用于通过调用智能合约在区块链中追加交易的记录，并对区块链的状态数据库进行操作，包括更新操作(包括增加、删除和修改状态数据库中的键值对)和查询操作(即查询状态数据库中的键值对)。For example, the Deploy transaction is used to install the specified smart contract to the nodes in the blockchain network and is ready to be invoked; the Invoke transaction is used to append the record of the transaction in the blockchain by invoking the smart contract, and Operates on the state database of the blockchain, including update operations (including adding, deleting, and modifying key-value pairs in the state database) and query operations (that is, querying key-value pairs in the state database).

4)区块链(Blockchain)，是由区块(Block)形成的加密的、链式的交易的存储结构。4) Blockchain is a storage structure for encrypted and chained transactions formed by blocks.

5)区块链网络(Blockchain Network)，通过共识的方式将新区块纳入区块链的一系列的节点的集合。5) Blockchain Network, a set of nodes that incorporate new blocks into the blockchain through consensus.

6)账本(Ledger)，是区块链(也称为账本数据)和与区块链同步的状态数据库的统称。其中，区块链是以文件系统中的文件的形式来记录交易；状态数据库是以不同类型的键(Key)值(Value)对的形式来记录区块链中的交易，用于支持对区块链中交易的快速查询。6) Ledger is a general term for blockchain (also known as ledger data) and a state database synchronized with the blockchain. Among them, the blockchain records transactions in the form of files in the file system; the state database records transactions in the blockchain in the form of different types of key (Key) value (Value) pairs to support Quick lookup of transactions in the blockchain.

7)智能合约(Smart Contracts)，也称为链码(Chaincode)或应用代码，部署在区块链网络的节点中的程序，节点执行接收的交易中所调用的智能合约，来对状态数据库的键值对数据进行更新或查询的操作。7) Smart Contracts, also known as Chaincode or application code, are programs deployed in the nodes of the blockchain network, and the nodes execute the smart contracts called in the received transactions to update the state database. Key-value operations to update or query data.

8)共识(Consensus)，是区块链网络中的一个过程，用于在涉及的多个节点之间对区块中的交易达成一致，达成一致的区块将被追加到区块链的尾部，实现共识的机制包括工作量证明(PoW，Proof of Work)、权益证明(PoS，Proof of Stake)、股份授权证明(DPoS，Delegated Proof-of-Stake)、消逝时间量证明(PoET，Proof of Elapsed Time)等。8) Consensus is a process in the blockchain network, which is used to reach agreement on the transactions in the block among the multiple nodes involved, and the agreed block will be appended to the end of the blockchain , The mechanisms for achieving consensus include Proof of Work (PoW, Proof of Work), Proof of Stake (PoS, Proof of Stake), Proof of Delegated Proof-of-Stake (DPoS, Delegated Proof-of-Stake), Proof of Elapsed Time (PoET, Proof of Elapsed Time) etc.

9)响应于，用于表示所执行的操作所依赖的条件或者状态，当满足所依赖的条件或状态时，所执行的一个或多个操作可以是实时的，也可以具有设定的延迟；在没有特别说明的情况下，所执行的多个操作不存在执行先后顺序的限制。9) In response, for representing the condition or state on which the executed operation depends, when the dependent condition or state is satisfied, the executed one or more operations may be real-time, or may have a set delay; Unless otherwise specified, there is no restriction on the order of execution of multiple operations to be executed.

相关技术中，用户乘车出行采用实体乘车卡进行乘车支付，为了不影响正常使用，用户需要为实体乘车卡提前充值，图1A至图1G为相关技术提供的通过手机为实体乘车卡充值的界面视图，结合图1A至图1G对实体乘车卡充值的流程进行说明。In the related art, the user uses the physical ride card to pay for the ride. In order not to affect the normal use, the user needs to recharge the physical ride card in advance. Figures 1A to 1G are related technologies. The interface view of the card recharging, the flow of the physical bus recharging will be described with reference to FIG. 1A to FIG. 1G .

首先，在呈现有近场通信(NFC，Near Field Communication)按键的视图界面(即图1A所示)上，用户点击NFC按键触发手机跳转至NFC功能的设置界面(即图1B所示)，用户点击开启NFC功能对应的功能开关触发NFC功能的开启；用户将实体乘车卡靠近手机，如将实体乘车卡贴在手机背面，以实现近场通信，手机所呈现的页面跳转至充值界面(即图1C所示)，用户选择充值额度，之后页面跳转至支付页面，用户采用关联的支付方式完成付款后，通过近场通信对实体乘车卡进行数据写入，完成充值。First, on the view interface that presents the Near Field Communication (NFC, Near Field Communication) button (shown in Figure 1A ), the user clicks the NFC button to trigger the mobile phone to jump to the NFC function setting interface (shown in Figure 1B ), The user clicks the function switch corresponding to the NFC function to activate the NFC function; the user brings the physical bus card close to the mobile phone, such as sticking the physical bus card on the back of the mobile phone to realize near field communication, and the page displayed by the mobile phone jumps to recharge On the interface (shown in Figure 1C), the user selects the recharge amount, and then the page jumps to the payment page. After the user completes the payment using the associated payment method, the data is written to the physical bus card through near field communication to complete the recharge.

上述对实体乘车卡充值的方式，需要用户手动操作，流程复杂，操作时间久，在用户忘记提前充值的情况下，影响用户的乘车，用户体验低。The above method of recharging the physical bus card requires manual operation by the user, the process is complicated, and the operation time is long. If the user forgets to recharge in advance, the user's ride will be affected, and the user experience will be low.

相关技术中，用户乘车出行还可通过乘车码小程序，通过乘车码进行乘车支付，图2A至图2H为相关技术提供的通过乘车码实现乘车支付的界面视图，将结合图2A至图2H对采用乘车码实现乘车支付的流程进行说明。In the related art, when traveling by car, the user can also make payment for the ride through the ride code through the ride code applet. Figures 2A to 2H are the interface views of the car ride payment through the ride code provided by the related art. FIG. 2A to FIG. 2H illustrate the flow of realizing the payment for the ride by using the ride code.

用户打开客户端(母应用程序)，通过客户端的搜索功能搜索“乘车码”小程序(子应用程序)，用户从搜索到的呈现的小程序中选择乘车码小程序，呈现对应所选乘车码小程序的视图界面(即图2B所示)，用户点击视图界面中“去乘车”按键，触发乘车码的开通，页面跳转至乘车码的开通界面(即图2C所示)，用户点击“开通乘车码”触发对于乘车码的开通指令，页面跳转至支付授权界面(即图2D所示)，通过该界面开通免密支付，用户可选定扣费方式，当开通免密支付后，用户基于乘车码支付时，通过具备扫码功能的计费设备扫码实现乘车支付，支付过程中通过用户选定的扣费方式从关联的账户中扣除相应的乘车费用。The user opens the client (parent application), searches for the "Ride Code" applet (sub-application) through the search function of the client, the user selects the Ride Code applet from the searched and presented applet programs, and the corresponding selected applet is displayed. The view interface of the ride code applet (as shown in Figure 2B), the user clicks the "Go to Ride" button in the view interface to trigger the activation of the ride code, and the page jumps to the activation interface of the ride code (as shown in Figure 2C). display), the user clicks "Activate the bus code" to trigger the activation instruction for the bus code, and the page jumps to the payment authorization interface (shown in Figure 2D). , when the password-free payment is activated, when the user pays based on the ride code, the ride payment is realized by scanning the code on the billing device with the code scanning function, and the corresponding deduction method is deducted from the associated account through the deduction method selected by the user during the payment process. the cost of the ride.

上述采用乘车码实现乘车支付的方式，需要对相关技术中的刷卡设备(闸机)进行改造，使其具备扫码功能，然而，对刷卡设备改造需要消耗大量的人力、物力，成本极高。The above-mentioned method of using the bus code to realize the payment by car requires the modification of the card swiping device (gate) in the related technology to make it have the function of scanning the code. However, the transformation of the card swiping device requires a lot of manpower and material resources, and the cost is extremely high. high.

基于此，提出本发明实施例的基于信用度的乘车支付方法、装置、电子设备、系统及存储介质，以至少解决相关技术中的上述问题，接下来分别进行说明。Based on this, the credit-based ride payment method, device, electronic device, system, and storage medium according to the embodiments of the present invention are proposed to at least solve the above-mentioned problems in the related art, which will be described below.

图3为本发明实施例提供的基于信用度的乘车支付系统的一个可选的架构示意图，参见图3，为实现支撑一个示例性应用，终端(包括终端400-1和终端400-2)通过网络300连接服务器200，网络300可以是广域网或者局域网，又或者是二者的组合，使用无线或有线链路实现数据传输。FIG. 3 is an optional architectural schematic diagram of a credit-based ride payment system provided by an embodiment of the present invention. Referring to FIG. 3, in order to support an exemplary application, terminals (including terminal 400-1 and terminal 400-2) pass through The network 300 is connected to the server 200, and the network 300 may be a wide area network or a local area network, or a combination of the two, and uses a wireless or wired link to realize data transmission.

终端(如终端400-1)，用于响应于用户触发的虚拟乘车卡的开通指令，呈现用于授权对应虚拟乘车卡的支付方式的支付授权按键；当用户基于支付授权按键触发的授权指令时，终端发送虚拟乘车卡关联的目标用户的信用度获取请求给服务器200，以获取虚拟乘车卡关联的目标用户的信用度；The terminal (such as terminal 400-1) is used to present a payment authorization button for authorizing the payment method corresponding to the virtual ride card in response to the activation instruction of the virtual ride card triggered by the user; When instructed, the terminal sends a request for obtaining the credit rating of the target user associated with the virtual ride card to the server 200, so as to obtain the credit rating of the target user associated with the virtual ride card;

服务器200，用于基于接收的信用度获取请求，在数据库查询目标用户的信用度，并返回目标用户的信用度给终端；The server 200 is configured to query the credit level of the target user in the database based on the received credit level acquisition request, and return the credit level of the target user to the terminal;

终端(如终端400-1)，还用于通过近场通信连接接收刷卡设备发送的第一支付订单，从虚拟乘车卡的支付金额中，扣除对述第一支付订单的订单金额；The terminal (such as terminal 400-1) is further configured to receive the first payment order sent by the card swiping device through the near field communication connection, and deduct the order amount of the first payment order from the payment amount of the virtual ride card;

终端(如终端400-1)，还用于基于订单金额，发送第二支付订单至支付方式对应的支付端，以基于第二支付订单，从关联的目标用户的支付账户中扣除该订单金额。The terminal (eg, terminal 400-1) is further configured to send a second payment order to the payment terminal corresponding to the payment method based on the order amount, so as to deduct the order amount from the payment account of the associated target user based on the second payment order.

在实际应用中，服务器200既可以为单独配置的支持各种业务的一个服务器，亦可以配置为一个服务器集群；终端可以为智能手机、平板电脑、笔记本电脑等各种类型的用户终端，还可以为可穿戴计算设备、个人数字助理(PDA)、台式计算机、蜂窝电话、媒体播放器、导航设备、游戏机、电视机、或者这些数据处理设备或其他数据处理设备中任意两个或多个的组合。In practical applications, the server 200 may be a server that is configured independently to support various services, or may be configured as a server cluster; the terminals may be various types of user terminals such as smartphones, tablet computers, and be wearable computing devices, personal digital assistants (PDAs), desktop computers, cellular telephones, media players, navigation devices, game consoles, televisions, or any two or more of these or other data processing devices combination.

接下来下面对实施本发明实施例的基于信用度的乘车支付方法的电子设备进行说明。在一些实施例中，电子设备可以为终端，还可以为服务器。参见图4，图4是本发明实施例提供的电子设备400的结构示意图，图4所示的电子设备400包括：处理器410、存储器450、网络接口420和用户接口430。电子设备400中的各个组件通过总线系统440耦合在一起。可理解，总线系统440用于实现这些组件之间的连接通信。总线系统440除包括数据总线之外，还包括电源总线、控制总线和状态信号总线。但是为了清楚说明起见，在图4中将各种总线都标为总线系统440。Next, the electronic device for implementing the credit-based payment method for rides according to the embodiment of the present invention will be described below. In some embodiments, the electronic device may be a terminal or a server. Referring to FIG. 4 , FIG. 4 is a schematic structural diagram of an electronic device 400 provided by an embodiment of the present invention. The electronic device 400 shown in FIG. 4 includes a processor 410 , a memory 450 , a network interface 420 and a user interface 430 . The various components in electronic device 400 are coupled together bybus system 440 . It is understood that thebus system 440 is used to implement the connection communication between these components. In addition to the data bus, thebus system 440 also includes a power bus, a control bus, and a status signal bus. However, for clarity of illustration, the various buses are labeled asbus system 440 in FIG. 4 .

处理器410可以是一种集成电路芯片，具有信号的处理能力，例如通用处理器、数字信号处理器(DSP，Digital Signal Processor)，或者其他可编程逻辑器件、分立门或者晶体管逻辑器件、分立硬件组件等，其中，通用处理器可以是微处理器或者任何常规的处理器等。The processor 410 may be an integrated circuit chip with signal processing capabilities, such as a general-purpose processor, a digital signal processor (DSP, Digital Signal Processor), or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, etc., where a general-purpose processor may be a microprocessor or any conventional processor or the like.

用户接口430包括使得能够呈现媒体内容的一个或多个输出装置431，包括一个或多个扬声器和/或一个或多个视觉显示屏。用户接口430还包括一个或多个输入装置432，包括有助于用户输入的用户接口部件，比如键盘、鼠标、麦克风、触屏显示屏、摄像头、其他输入按钮和控件。User interface 430 includes one or more output devices 431 that enable presentation of media content, including one or more speakers and/or one or more visual display screens. User interface 430 also includes one or more input devices 432, including user interface components that facilitate user input, such as a keyboard, mouse, microphone, touch screen display, camera, and other input buttons and controls.

存储器450可以是可移除的，不可移除的或其组合。示例性的硬件设备包括固态存储器，硬盘驱动器，光盘驱动器等。存储器450可选地包括在物理位置上远离处理器410的一个或多个存储设备。Memory 450 may be removable, non-removable, or a combination thereof. Exemplary hardware devices include solid state memory, hard drives, optical drives, and the like. Memory 450 optionally includes one or more storage devices that are physically remote from processor 410 .

存储器450包括易失性存储器或非易失性存储器，也可包括易失性和非易失性存储器两者。非易失性存储器可以是只读存储器(ROM，Read Only Memory)，易失性存储器可以是随机存取存储器(RAM，Random Access Memory)。本发明实施例描述的存储器450旨在包括任意适合类型的存储器。Memory 450 includes volatile memory or non-volatile memory, and may also include both volatile and non-volatile memory. The non-volatile memory may be a read only memory (ROM, Read Only Memory), and the volatile memory may be a random access memory (RAM, Random Access Memory). The memory 450 described in the embodiments of the present invention is intended to include any suitable type of memory.

在一些实施例中，存储器450能够存储数据以支持各种操作，这些数据的示例包括程序、模块和数据结构或者其子集或超集，下面示例性说明。In some embodiments, memory 450 is capable of storing data to support various operations, examples of which include programs, modules, and data structures, or subsets or supersets thereof, as exemplified below.

操作系统451，包括用于处理各种基本系统服务和执行硬件相关任务的系统程序，例如框架层、核心库层、驱动层等，用于实现各种基础业务以及处理基于硬件的任务；The operating system 451 includes system programs for processing various basic system services and performing hardware-related tasks, such as framework layer, core library layer, driver layer, etc., for implementing various basic services and processing hardware-based tasks;

网络通信模块452，用于经由一个或多个(有线或无线)网络接口420到达其他计算设备，示例性的网络接口420包括：蓝牙、无线相容性认证(WiFi)、和通用串行总线(USB，Universal Serial Bus)等；A network communications module 452 for reaching other computing devices via one or more (wired or wireless) network interfaces 420, exemplary network interfaces 420 including: Bluetooth, Wireless Compatibility (WiFi), and Universal Serial Bus ( USB, Universal Serial Bus), etc.;

呈现模块453，用于经由一个或多个与用户接口430相关联的输出装置431(例如，显示屏、扬声器等)使得能够呈现信息(例如，用于操作外围设备和显示内容和信息的用户接口)；A presentation module 453 for enabling presentation of information (eg, a user interface for operating peripherals and displaying content and information) via one or more output devices 431 (eg, a display screen, speakers, etc.) associated with the user interface 430 );

输入处理模块454，用于对一个或多个来自一个或多个输入装置432之一的一个或多个用户输入或互动进行检测以及翻译所检测的输入或互动。An input processing module 454 for detecting one or more user inputs or interactions from one of the one or more input devices 432 and translating the detected inputs or interactions.

在一些实施例中，本发明实施例提供的基于信用度的乘车支付装置可以采用软件方式实现，图4示出了存储在存储器450中的基于信用度的乘车支付装置455，其可以是程序和插件等形式的软件，包括以下软件模块：显示模块4551、获取模块4552、分配模块4553、支付模块4554及发送模块4555，这些模块是逻辑上的，因此根据所实现的功能可以进行任意的组合或进一步拆分，将在下文中说明各个模块的功能。In some embodiments, the credit-based ride payment device provided by the embodiments of the present invention may be implemented in software. FIG. 4 shows a credit-based ride payment device 455 stored in the memory 450, which may be a program and Software in the form of plug-ins, including the following software modules: display module 4551, acquisition module 4552, distribution module 4553, payment module 4554 and sending module 4555, these modules are logical, so any combination or Further split, the function of each module will be explained below.

在另一些实施例中，本发明实施例提供的基于信用度的乘车支付装置可以采用硬件方式实现，作为示例，本发明实施例提供的基于信用度的乘车支付装置可以是采用硬件译码处理器形式的处理器，其被编程以执行本发明实施例提供的基于信用度的乘车支付方法，例如，硬件译码处理器形式的处理器可以采用一个或多个应用专用集成电路(ASIC，Application Specific Integrated Circuit)、DSP、可编程逻辑器件(PLD，ProgrammableLogic Device)、复杂可编程逻辑器件(CPLD，Complex Programmable Logic Device)、现场可编程门阵列(FPGA，Field-Programmable Gate Array)或其他电子元件。In other embodiments, the credit-based ride payment device provided by the embodiment of the present invention may be implemented in hardware. As an example, the credit-based ride payment device provided by the embodiment of the present invention may be implemented using a hardware decoding processor A processor in the form of a processor, which is programmed to execute the credit-based ride payment method provided by the embodiment of the present invention. For example, a processor in the form of a hardware decoding processor may use one or more Application Specific Integrated Circuits (ASIC, Application Specific Integrated Circuits). Integrated Circuit), DSP, Programmable Logic Device (PLD, Programmable Logic Device), Complex Programmable Logic Device (CPLD, Complex Programmable Logic Device), Field Programmable Gate Array (FPGA, Field-Programmable Gate Array) or other electronic components.

基于上述对本发明实施例的基于信用度的乘车支付系统及电子设备的说明，在对本发明实施例提供的基于信用度的乘车支付方法进行说明之前，首先对本发明实施例中涉及的母应用程序及子应用程序进行说明。Based on the above description of the credit-based ride payment system and electronic device in the embodiment of the present invention, before describing the credit-based ride payment method provided by the embodiment of the present invention, firstly, the parent application and the electronic device involved in the embodiment of the present invention are described. Sub-applications are explained.

以母应用程序为客户端、子应用程序为小程序为例，图5A为本发明实施例提供的客户端运行小程序的一个可选的系统架构示意图，图5B为本发明实施例提供的在客户端中显示小程序页面的示意图，结合图5A及图5B，设置于终端20中的客户端11(如微信客户端WeChat)在首次运行小程序时，需要下载小程序，发送初始化请求给小程序的服务器来下载小程序，为了提高下载速度，请求可以被重定向至内容分发网络13(CDN，Content DeliveryNetwork)，从内容分发网络13中合适的节点服务器(例如基于链路最短条件、负载均衡条件等选择节点服务器)上，由内容分发网络13代替小程序的服务器向客户端11发送小程序的数据包(Package)，即所述小程序的源代码，从而实现小程序的下载；客户端对小程序初始化完成后，通过解释小程序的代码来进行小程序页面的加载，小程序通过发送数据请求给服务器12，以获取页面显示及页面更新所需的JSON数据，进而小程序根据获取的JSON数据进行页面渲染，实现小程序在客户端中的页面显示/更新。Taking the parent application as the client and the sub-application as the applet as an example, FIG. 5A is a schematic diagram of an optional system architecture for the client to run the applet provided by the embodiment of the present invention, and FIG. 5B is an embodiment of the present invention. 5A and 5B, the client 11 (such as WeChat client WeChat) installed in the terminal 20 needs to download the applet and send an initialization request to the applet when it runs the applet for the first time. The program server to download the applet, in order to improve the download speed, the request can be redirected to the content distribution network 13 (CDN, Content Delivery Network), from the appropriate node server in the content distribution network 13 (for example, based on the shortest link condition, load balancing conditions, etc. on the node server), the content distribution network 13 instead of the applet server sends the applet’s data package (Package) to theclient 11, that is, the source code of the applet, thereby realizing the download of the applet; the client After the initialization of the applet is completed, the applet page is loaded by interpreting the code of the applet, and the applet sends a data request to the server 12 to obtain the JSON data required for page display and page update, and then the applet according to the obtained JSON data JSON data is used for page rendering, and the page display/update of the applet in the client is realized.

基于上述对母应用程序及子应用程序的说明，接下来对本发明实施例提供的基于信用度的乘车支付方法进行说明。图6为本发明实施例提供的基于信用度的乘车支付方法的流程示意图，图7A至图7G为本发明实施例提供的基于信用度的乘车支付的界面视图；在一些实施例中，该基于信用度的乘车支付方法可由终端实施，或由服务器及终端协同实施，以终端实施为例，如通过图3中的终端400-1实施，将结合图3、图6、图7A至图7G，对本发明实施例提供的基于信用度的乘车支付方法进行说明。Based on the above description of the parent application and the sub-applications, the credit-based ride payment method provided by the embodiment of the present invention will be described next. 6 is a schematic flowchart of a credit-based ride payment method provided by an embodiment of the present invention, and FIGS. 7A to 7G are interface views of a credit-based ride payment provided by an embodiment of the present invention; The credit-rated ride payment method can be implemented by the terminal, or implemented by the server and the terminal collaboratively. Taking the terminal implementation as an example, for example, it is implemented by the terminal 400-1 in FIG. 3 . The credit-based ride payment method provided by the embodiment of the present invention will be described.

步骤601：终端响应于针对虚拟乘车卡的开通指令，呈现用于授权对应虚拟乘车卡的支付方式的支付授权按键。Step 601: In response to the activation instruction for the virtual ride card, the terminal presents a payment authorization button for authorizing the payment method corresponding to the virtual ride card.

这里，在实际实施时，由于基于虚拟乘车卡进行乘车支付需要终端具备NFC功能，因此，在开通虚拟乘车卡之前需要对终端的NFC功能进行检测，以判断终端是否具备NFC功能，具体地，终端检测近场通信接口，得到检测结果，当检测结果表征检测到近场通信接口时，视为终端具备NFC功能，进而可在接收到针对虚拟乘车卡的开通指令时，呈现用于授权对应虚拟乘车卡的支付方式的支付授权按键。Here, in the actual implementation, since the terminal has the NFC function for the payment based on the virtual ride card, the NFC function of the terminal needs to be detected before the virtual ride card is activated to determine whether the terminal has the NFC function. Ground, the terminal detects the near field communication interface, and obtains the detection result. When the detection result indicates that the near field communication interface is detected, it is considered that the terminal has the NFC function. Authorize the payment authorization button corresponding to the payment method of the virtual ride card.

在一些实施例中，终端上设置有虚拟乘车卡客户端，终端通过运行虚拟乘车卡客户端，呈现包括一个或多个虚拟乘车卡的开通界面，用户选择想要开通的虚拟乘车卡，通过针对所选虚拟乘车卡的点击操作，触发针对该虚拟乘车卡的开通指令，在支付授权界面，呈现用于授权对应虚拟乘车卡的支付方式的支付授权按键。In some embodiments, a virtual ride card client is set on the terminal, and the terminal runs the virtual ride card client to present an activation interface including one or more virtual ride cards, and the user selects the virtual ride he wants to activate. card, through the click operation on the selected virtual ride card, trigger the activation instruction for the virtual ride card, and on the payment authorization interface, a payment authorization button for authorizing the payment method corresponding to the virtual ride card is presented.

这里，虚拟乘车卡为在具备NFC功能的终端上实现实体乘车卡模拟，实现手机内置乘车卡的功能。Here, the virtual ride card is to realize the simulation of the physical ride card on the terminal with the NFC function, and to realize the function of the built-in ride card of the mobile phone.

在另一些实施例中，终端上设置有母应用程序，如即时通信客户端，通过母应用程序提供的小程序搜索功能，搜索“乘车卡”小程序，呈现对应搜索“乘车卡”小程序的搜索结果界面(图7A所示)，用户在搜索结果界面点击“乘车卡”小程序，实现页面跳转至小程序页面(图7B所示)，用户选择想要开通的虚拟乘车卡，通过点击操作触发针对虚拟乘车卡的开通指令(如通过点击图7B所示视图界面中“立即开通”按键，触发针对虚拟乘车卡的开通指令)，小程序实现页面跳转至支付授权界面(图7C所示)，在支付授权界面，呈现用于授权对应虚拟乘车卡的支付方式的支付授权按键。In other embodiments, a parent application, such as an instant messaging client, is installed on the terminal, and the applet search function provided by the parent application is used to search for the "Ride Card" applet, and a corresponding search "Ride Card" applet is displayed. In the search result interface of the program (shown in Figure 7A), the user clicks the "Ride Card" applet on the search result interface, and the page jumps to the applet page (shown in Figure 7B), and the user selects the virtual ride he wants to activate card, trigger the activation instruction for the virtual ride card by clicking the operation (for example, by clicking the "Activate Now" button in the view interface shown in Figure 7B, the activation instruction for the virtual ride card is triggered), and the applet realizes the page jump to the payment In the authorization interface (shown in FIG. 7C ), on the payment authorization interface, a payment authorization button for authorizing the payment method corresponding to the virtual bus card is presented.

在一些实施例中，终端在支付授权界面，还呈现对应所述支付方式的支付规则，以及用于确定支付方式的确定功能项；响应于根据所述支付规则触发的针对确定功能项的操作指令，关联虚拟乘车卡与对应所述支付方式的支付端。In some embodiments, on the payment authorization interface, the terminal also presents a payment rule corresponding to the payment method, and a determination function item for determining the payment method; in response to an operation instruction for the determination function item triggered according to the payment rule , associate the virtual bus card with the payment terminal corresponding to the payment method.

以执行主体为小程序为例，参见图7C，小程序在支付授权界面，呈现的支付方式为“零钱”，对应支付方式为“零钱”的支付规则为乘车后卡内余额不足时通过零钱支付充值；这里，对应支付方式的支付规则用于对该支付方式进行解释说明；当用户根据支付规则触发针对确定功能项的操作指令时，小程序实现该虚拟乘车卡与对应该支付方式的支付端，即运行该小程序的客户端。Taking the execution subject as the applet as an example, see Figure 7C, the applet shows the payment method as "change" on the payment authorization interface, and the payment rule corresponding to the payment method as "change" is to pass the change when the balance in the card is insufficient after the ride. Pay and recharge; here, the payment rule corresponding to the payment method is used to explain the payment method; when the user triggers the operation instruction for the determined function item according to the payment rule, the applet realizes the virtual ride card and the corresponding payment method. The payment terminal is the client that runs the applet.

步骤602：响应于基于支付授权按键触发的授权指令，获取虚拟乘车卡关联的目标用户的信用度。Step 602: In response to the authorization instruction triggered by the payment authorization button, obtain the credit rating of the target user associated with the virtual bus pass.

在一些实施例中，当终端上设置有虚拟乘车卡客户端时，响应于基于支付授权按键触发的授权指令，虚拟乘车卡客户端发送虚拟乘车卡关联的目标用户的信用度获取请求给后台服务器，以获取后台服务器返回的目标用户的信用度。这里，在实际实施时，后台服务器自身可以存储多个用户的信用度，依据信用度获取请求中携带的目标用户标识查询相应的信用度，或者，后台服务器基于目标用户的目标用户标识，转发该信用度获取请求给存储有用户信用度信息的服务器，以获取目标用户的信用度，并返回给虚拟乘车卡客户端。In some embodiments, when a virtual ride card client is set on the terminal, in response to an authorization instruction triggered by a payment authorization button, the virtual ride card client sends a request for obtaining the credit of the target user associated with the virtual ride card to The background server to obtain the target user's credit rating returned by the background server. Here, in actual implementation, the background server itself may store the credits of multiple users, and query the corresponding credits according to the target user ID carried in the credit obtaining request, or the background server forwards the credit obtaining request based on the target user ID of the target user To the server that stores the user's credit information, to obtain the target user's credit, and return it to the virtual bus card client.

这里，信用度，是指从社会信誉、经济状况、商品交易的履约情况等方面反映出来的用户的守信程度，在实际应用中，可通过信用评分表征用户的信用度，信用评分的高低相应的反应了信用度的高低。Here, the credit degree refers to the user's trustworthiness level reflected from the aspects of social reputation, economic status, and the performance of commodity transactions. In practical applications, the credit score of the user can be used to characterize the user's credit degree, and the level of the credit score reflects the corresponding The level of credit.

在另一些实施例中，当执行主体为小程序时，小程序响应于基于支付授权按键触发的授权指令，发送对应目标用户的信用度获取请求给运行该小程序的客户端，以使运行该小程序的客户端从后台服务器处获取目标用户的信用度，并返回给小程序。In other embodiments, when the execution subject is an applet, the applet responds to the authorization instruction triggered by the payment authorization button, and sends a request for obtaining the credit of the corresponding target user to the client running the applet, so that the applet runs the applet. The client of the program obtains the credit of the target user from the background server and returns it to the applet.

步骤603：基于目标用户的信用度，为虚拟乘车卡分配相应的支付金额。Step 603: Based on the credit of the target user, allocate a corresponding payment amount to the virtual ride card.

在一些实施例中，设置有信用度与支付额度的映射关系，终端基于目标用户的信用度、信用度与支付额度的映射关系，确定虚拟乘车卡的支付额度；并可基于虚拟乘车卡的支付额度，为虚拟乘车卡分配相应的支付金额。In some embodiments, a mapping relationship between the credit degree and the payment amount is set, and the terminal determines the payment amount of the virtual ride card based on the target user's credit degree, the mapping relationship between the credit degree and the payment amount; and the payment limit of the virtual ride card can be based on , assign the corresponding payment amount to the virtual ride card.

在一些实施例中，信用度采用信用评分来表征，终端可通过如下方式为虚拟乘车卡分配相应的支付金额：终端确定目标用户的信用评分所处的评分范围，依据确定的评分范围，确定对应目标用户的虚拟乘车卡的支付额度，并基于确定的支付额度，为虚拟乘车卡分配相应的支付金额。In some embodiments, the credit degree is represented by a credit score, and the terminal can allocate a corresponding payment amount to the virtual ride card in the following manner: The payment limit of the virtual ride card of the target user, and based on the determined payment limit, a corresponding payment amount is allocated to the virtual ride card.

举例说明，假设信用评分为百分制，设置信用评分的评分范围包括[0,60]、[60,80]、[80,100]；其中，评分范围[0,60]对应的支付额度为5元，评分范围[60,80]对应的支付额度为10元，评分范围[80,100]对应的支付额度为15元；所获取的目标用户的信用评分为75，确定该信用评分所处的评分范围为[60,80]，相应的，可确定对应目标用户的虚拟乘车卡的支付额度为10元，为虚拟乘车卡分配相应的支付金额为10元。For example, assuming that the credit score is a percentage system, the scoring range of the credit score is set to include [0,60], [60,80], [80,100]; among them, the payment amount corresponding to the scoring range [0,60] is 5 yuan, and the score The payment limit corresponding to the range [60, 80] is 10 yuan, and the payment limit corresponding to the scoring range [80, 100] is 15 yuan; the obtained credit score of the target user is 75, and the score range of the credit score is determined to be [60] ,80], correspondingly, it can be determined that the payment limit of the virtual ride card corresponding to the target user is 10 yuan, and the corresponding payment amount allocated to the virtual ride card is 10 yuan.

在另一些实施例中，信用度采用信用评分来表征，终端可通过如下方式为虚拟乘车卡分配相应的支付金额：终端确定目标用户的信用评分对应的信用等级，基于确定的信用等级、信用等级与支付额度的映射关系，确定虚拟乘车卡的支付额度，进而基于虚拟乘车卡的支付额度，为虚拟乘车卡分配相应的支付金额。In other embodiments, the credit degree is represented by a credit score, and the terminal can allocate a corresponding payment amount to the virtual ride card in the following manner: the terminal determines the credit level corresponding to the target user's credit score, The mapping relationship with the payment amount determines the payment amount of the virtual ride card, and then allocates a corresponding payment amount to the virtual ride card based on the payment amount of the virtual ride card.

在一些实施例中，终端为虚拟乘车卡分配相应的支付金额之后，呈现相应的提示信息，该提示信息，用于提示用户无需对虚拟乘车卡进行充值即可乘车如图7D所示，在视图界面呈现“授信成功，无需充值，乘车后通过代扣支付车费”的提示信息；其中，授信为根据用户的信用情况，事先给用户的虚拟乘车卡授予一定的额度，用户在使用虚拟乘车卡时，无需提前充值，在乘坐车费低于授信额度内的车时，可直接刷虚拟乘车卡支付车费；代扣为事先与用户进行代扣签约，使用约定账户扣款，在用户使用虚拟乘车卡后需要支付车费时，用户无需操作，自动代替用户从约定账户扣除相应的车费。In some embodiments, after assigning a corresponding payment amount to the virtual ride card, the terminal presents corresponding prompt information, which is used to prompt the user to ride without recharging the virtual ride card, as shown in FIG. 7D . , in the view interface, a prompt message of "credit is granted successfully, no recharge is required, and the fare is paid by deduction after boarding" is displayed; among them, credit granting is to grant a certain amount to the user's virtual bus card in advance according to the user's credit status. When using a virtual ride card, there is no need to recharge in advance. When taking a car with a fare lower than the credit limit, you can directly swipe the virtual ride card to pay the fare; withholding is to sign a contract with the user in advance and use the agreed account Deduction, when the user needs to pay the fare after using the virtual ride card, the user does not need to operate, and automatically deducts the corresponding fare from the agreed account on behalf of the user.

在一些实施例中，终端为虚拟乘车卡分配相应的支付金额之后，终端在视图界面中呈现包含乘车卡卡号的虚拟乘车卡，该乘车卡卡号用于标识虚拟乘车卡，指示虚拟乘车卡开通成功。参见图7E所示，终端在视图界面中呈现开通成功的虚拟乘车卡(即云交通卡)，虚拟乘车卡中包括相应的卡号，以唯一的标识该虚拟乘车卡，以及指示虚拟乘车卡开通成功。In some embodiments, after the terminal allocates the corresponding payment amount to the virtual ride card, the terminal presents a virtual ride card including the ride card number in the view interface, where the ride card number is used to identify the virtual ride card, indicating The virtual ride card was successfully activated. Referring to FIG. 7E , the terminal displays a successfully activated virtual ride card (ie, cloud transportation card) in the view interface, and the virtual ride card includes the corresponding card number to uniquely identify the virtual ride card and indicate the virtual ride card. The car card was successfully opened.

步骤604：响应于通过近场通信连接发送的第一支付订单，从支付金额中扣除对应第一支付订单的订单金额。Step 604: In response to the first payment order sent through the near field communication connection, deduct the order amount corresponding to the first payment order from the payment amount.

在实际应用中，虚拟乘车卡开通成功后，用户可基于该虚拟乘车卡进行刷卡乘车，具体地，用户手持终端贴近刷卡设备，以使终端与刷卡设备之间建立NFC通信连接，刷卡设备通过近场通信连接发送第一支付订单给终端，终端从虚拟乘车卡对应的支付金额中扣除对应第一支付订单的订单金额。In practical applications, after the virtual ride card is successfully activated, the user can swipe the card to ride based on the virtual ride card. Specifically, the user holds the terminal close to the card-swiping device to establish an NFC communication connection between the terminal and the card-swiping device. The device sends the first payment order to the terminal through the near field communication connection, and the terminal deducts the order amount corresponding to the first payment order from the payment amount corresponding to the virtual ride card.

在一些实施例中，终端从支付金额中扣除对应第一支付订单的订单金额之后，通过弹窗，呈现虚拟乘车卡对应的刷卡信息和/或支付信息；其中，刷卡信息指示刷卡成功或刷卡失败，支付信息指示本次刷卡所扣除的对应第一支付订单的订单金额。参见图7F，终端刷卡成功、从支付金额中扣除对应第一支付订单的订单金额之后，通过弹窗呈现刷卡成功及授信支付5元的信息。In some embodiments, after deducting the order amount corresponding to the first payment order from the payment amount, the terminal presents the card swiping information and/or payment information corresponding to the virtual ride card through a pop-up window; wherein the card swiping information indicates that the card swiping is successful or the card swiping is successful. If it fails, the payment information indicates the order amount corresponding to the first payment order deducted by this card swipe. Referring to FIG. 7F , after the terminal has successfully swiped the card and deducted the order amount corresponding to the first payment order from the payment amount, the information of successful card swiping and credit payment of 5 yuan is displayed through a pop-up window.

步骤605：基于订单金额，发送第二支付订单至所述支付方式对应的支付端，以基于第二支付订单，从关联的目标用户的支付账户中扣除订单金额。Step 605: Based on the order amount, send a second payment order to the payment terminal corresponding to the payment method, so as to deduct the order amount from the payment account of the associated target user based on the second payment order.

在实际实施时，终端发送第二支付订单至所述支付方式对应的支付端之前，需要获取第二支付订单，在一些实施例中，终端可通过如下方式获取第二支付订单：发送包含订单金额的对应虚拟乘车卡的刷卡记录；接收返回的基于刷卡记录生成的第二支付订单，其中，第二支付订单对应的支付金额与订单金额相同。In actual implementation, the terminal needs to obtain the second payment order before sending the second payment order to the payment terminal corresponding to the payment method. The card swiping record corresponding to the virtual bus card; receiving the returned second payment order generated based on the card swiping record, wherein the payment amount corresponding to the second payment order is the same as the order amount.

示例性地，虚拟乘车卡客户端发送包含订单金额的对应虚拟乘车卡的刷卡记录给后台服务器，并接收后台服务器返回的基于刷卡记录生成的第二支付订单。Exemplarily, the virtual ride card client sends a card swipe record containing the order amount corresponding to the virtual ride card to the backend server, and receives a second payment order generated based on the card swipe record returned by the backend server.

示例性地，小程序发送包含订单金额的对应虚拟乘车卡的刷卡记录给小程序的后台服务器，并接收小程序的后台服务器返回的基于刷卡记录生成的第二支付订单。Exemplarily, the applet sends a card swipe record containing the order amount corresponding to the virtual ride card to the backend server of the applet, and receives a second payment order generated based on the card swipe record returned by the backend server of the applet.

在一些实施例中，执行主体为小程序时，小程序基于订单金额，发送第二支付订单至所述支付方式对应的支付端，即发送第二支付订单至运行小程序的客户端，以使客户端基于第二支付订单，从关联的目标用户的支付账户中扣除订单金额。In some embodiments, when the execution subject is an applet, the applet sends a second payment order to the payment terminal corresponding to the payment method based on the order amount, that is, sends the second payment order to the client running the applet, so that the The client deducts the order amount from the payment account of the associated target user based on the second payment order.

相应的，当终端从关联的目标用户的支付账户中扣除订单金额后，呈现相应的扣费成功的提示信息，参见图7G，在微信的支付结果界面呈现扣费金额为5元的扣费成功提示信息。Correspondingly, when the terminal deducts the order amount from the payment account of the associated target user, it presents the corresponding prompt message that the deduction is successful. Referring to Figure 7G, the payment result interface of WeChat shows that the deduction amount is 5 yuan successfully. prompt information.

在一些实施例中，终端发送第二支付订单至所述支付方式对应的乘车支付端之后，终端接收对应支付订单的支付成功消息；基于支付成功消息，为虚拟乘车卡充值，使得虚拟乘车卡的余额与支付金额相同。也就是说，在用户每次乘车后，首先从基于用户的信用度为用户的虚拟乘车卡分配的支付金额中扣取相应的车费，之后再从关联的支付账户中扣取该车费，当扣费成功时，自动为用户的虚拟车车卡充值，使其余额与最初分配的支付金额相同，以保证用户每次均能顺利乘车，用户无需为虚拟乘车卡进行充值，极大的方便了用户的出行。In some embodiments, after the terminal sends the second payment order to the ride payment terminal corresponding to the payment method, the terminal receives a payment success message corresponding to the payment order; based on the payment success message, the virtual ride card is recharged, so that the virtual ride The balance of the card is the same as the payment amount. That is to say, after each ride by the user, the corresponding fare is first deducted from the payment amount allocated for the user's virtual ride card based on the user's credit rating, and then the fare is deducted from the associated payment account. , when the deduction is successful, the user's virtual car card will be automatically recharged, so that the balance is the same as the initially allocated payment amount, so as to ensure that the user can ride smoothly every time, and the user does not need to recharge the virtual car card. It greatly facilitates the user's travel.

在实际应用中，存在用户乘车后，对关联的用户的支付账户中扣费失败的情况，导致终端无法为用户的虚拟乘车卡进行充值，进而余额不足的情况，在该情况下，当用户采用该虚拟乘车卡刷卡乘车时，终端通过近场通信连接接收刷卡设备发送的第三支付订单，获取虚拟乘车卡的余额，当确定余额小于第三支付订单的订单金额时，呈现提示余额不足的提示消息，以使用户手动完成上次乘车时的扣费，以实现终端为虚拟乘车卡的自动充值。In practical applications, there is a situation in which the user fails to deduct the fee from the payment account of the associated user after the user gets on the bus, resulting in the terminal being unable to recharge the user's virtual ride card, and thus the balance is insufficient. In this case, when When the user uses the virtual ride card to swipe the card, the terminal receives the third payment order sent by the card swiping device through the near field communication connection, and obtains the balance of the virtual ride card. A prompt message indicating that the balance is insufficient, so that the user can manually complete the deduction of the last ride, so that the terminal can automatically recharge the virtual ride card.

在实际应用中，由于用户消费的增加、履约情况的变化等，会导致用户的信用度发生变化，此时，终端相应的会基于变化后的用户的信用度，调整为其虚拟乘车卡分配的支付金额；具体地，终端获取更新的目标用户的信用度，基于更新的目标用户的信用度，调整为虚拟乘车卡分配的支付金额。In practical applications, due to the increase in user consumption and changes in contract performance, the user's credit rating will change. At this time, the terminal will accordingly adjust the payment allocated to its virtual ride card based on the changed user's credit rating. Amount; specifically, the terminal acquires the updated credit rating of the target user, and adjusts the payment amount allocated for the virtual ride card based on the updated credit rating of the target user.

应用本发明上述实施例，基于用户的信用度为用户的虚拟乘车卡分配相应的支付金额，在用户乘车后，首先从分配的支付金额中扣除相应的乘车费用，之后再从用户的支付账户中扣除该乘车费用，为用户带来先乘车后付费的体验，同时，由于用户无需为虚拟乘车卡充值，大大降低了用户乘车所需的时间成本及人力成本，提高用户的乘车体验。Applying the above embodiments of the present invention, the corresponding payment amount is allocated to the user's virtual ride card based on the user's credit. After the user rides, the corresponding ride fee is first deducted from the allocated payment amount, and then deducted from the user's payment. The ride fee is deducted from the account, which brings the user the experience of paying after the ride. At the same time, since the user does not need to recharge the virtual ride card, the time cost and labor cost required for the user to ride the car are greatly reduced, and the user's experience is improved. ride experience.

在一些实施例中，终端在获取到第二支付订单之后，还可以结合区块链技术，将第二支付订单存储至区块链网络，具体地，终端对第二支付订单进行哈希处理，得到第二支付订单的摘要；存储第二支付订单的摘要至区块链网络，以使支付端从区块链网络获取到第二支付订单之后，校验从终端接收到的第二支付订单的真实性，接下来具体进行说明。In some embodiments, after acquiring the second payment order, the terminal may also combine the blockchain technology to store the second payment order in the blockchain network. Specifically, the terminal performs hash processing on the second payment order, Obtain the summary of the second payment order; store the summary of the second payment order to the blockchain network, so that after the payment terminal obtains the second payment order from the blockchain network, verify the second payment order received from the terminal. The authenticity will be explained in detail below.

终端获取到第二支付订单之后，生成用于存储第二支付订单的交易，并发送生成的交易至区块链网络的节点，以使节点对交易共识后将第二支付订单存储至区块链网络；支付端在接收到终端发送的第二支付订单之后，在从关联的目标用户的支付账户中扣除订单金额之前，首先对接收到的第二支付订单的真实性进行校验，以在校验通过后执行从支付账户扣款的操作，具体地，支付端生成获取第二支付订单的交易，发送生成的交易至区块链网络的节点，以使节点对交易共识后将第二支付订单的摘要返回给支付端，支付端对从终端接收的第二支付订单进行哈希处理，并将哈希结果与从区块链网络获取的第二支付订单的摘要进行匹配，当匹配成功时，确定校验通过。After the terminal obtains the second payment order, it generates a transaction for storing the second payment order, and sends the generated transaction to the node of the blockchain network, so that the node can store the second payment order in the blockchain after consensus on the transaction network; after receiving the second payment order sent by the terminal, before deducting the order amount from the payment account of the associated target user, the payment terminal firstly verifies the authenticity of the received second payment order to verify the authenticity of the second payment order received in the school. After the verification is passed, the operation of deducting money from the payment account is performed. Specifically, the payment terminal generates a transaction to obtain the second payment order, and sends the generated transaction to the nodes of the blockchain network, so that the nodes agree on the transaction and send the second payment order. The summary of the second payment order is returned to the payment terminal, and the payment terminal hashes the second payment order received from the terminal, and matches the hash result with the summary of the second payment order obtained from the blockchain network. Make sure the verification is passed.

接下来对本发明实施例中的区块链网络进行说明。图8为本发明实施例提供的区块链网络的应用架构示意图，包括业务主体50、认证中心70，区块链网络80(示例性示出了共识节点81-1至共识节点81-3)，下面分别说明。Next, the blockchain network in the embodiment of the present invention will be described. 8 is a schematic diagram of an application architecture of a blockchain network provided by an embodiment of the present invention, including a business entity 50, an authentication center 70, and a blockchain network 80 (exemplarily showing a consensus node 81-1 to a consensus node 81-3) , described below.

区块链网络80的类型是灵活多样的，例如可以为公有链、私有链或联盟链中的任意一种。以公有链为例，任何业务主体的电子设备例如用户终端和服务器，都可以在不需要授权的情况下接入区块链网络80；以联盟链为例，业务主体在获得授权后其下辖的电子设备(例如终端/服务器)可以接入区块链网络80，此时，成为区块链网络80中的客户端节点。The type of the blockchain network 80 is flexible and diverse, for example, it can be any one of a public chain, a private chain or a consortium chain. Taking the public chain as an example, the electronic equipment of any business entity, such as user terminals and servers, can access the blockchain network 80 without authorization; taking the alliance chain as an example, the business entity will govern after obtaining authorization. The electronic device (for example, a terminal/server) can access the blockchain network 80 , and at this time, it becomes a client node in the blockchain network 80 .

在一些实施例中，客户端节点可以只作为区块链网络80的观察者，即提供支持业务主体发起交易(例如，用于上链存储数据或查询链上数据)功能，对于区块链网络80的共识节点81(如共识节点81-1)的功能，例如排序功能、共识服务和账本功能等，客户端节点可以缺省或者有选择性(例如，取决于业务主体的具体业务需求)地实施。从而，可以将业务主体的数据和业务处理逻辑最大程度迁移到区块链网络80中，通过区块链网络80实现数据和业务处理过程的可信和可追溯。In some embodiments, the client node can only act as an observer of the blockchain network 80, that is, provide the function of supporting business entities to initiate transactions (for example, for storing data on the chain or querying the data on the chain), for the blockchain network The functions of the consensus node 81 (such as the consensus node 81-1) of 80, such as ordering function, consensus service and ledger function, etc., the client node can be default or selective (for example, depending on the specific business needs of the business entity) implement. Therefore, the data and business processing logic of the business subject can be migrated to the blockchain network 80 to the greatest extent, and the trustworthiness and traceability of the data and business processing process can be realized through the blockchain network 80 .

区块链网络80中的共识节点接收来自不同业务主体(如业务主体50)的客户端节点(如归属于业务主体50的客户端节点51)提交的交易，执行交易以查找并返回第二支付订单的摘要，执行交易的各种中间结果或最终结果可以返回至业务主体的客户端节点中显示。The consensus node in the blockchain network 80 receives transactions submitted by client nodes (eg, client nodes 51 belonging to the business entity 50 ) from different business entities (eg, the business entity 50 ), executes the transaction to find and returns the second payment The summary of the order, various intermediate results or final results of the executed transaction can be returned to the client node of the business entity for display.

例如，客户端节点51可以订阅区块链网络80中感兴趣的事件，例如区块链网络80中特定的组织/通道中发生的交易，由共识节点81推送相应的交易通知到客户端节点51，从而触发客户端节点51中相应的业务逻辑。For example, the client node 51 can subscribe to events of interest in the blockchain network 80, such as transactions occurring in a specific organization/channel in the blockchain network 80, and theconsensus node 81 pushes corresponding transaction notifications to the client node 51 , thereby triggering the corresponding business logic in the client node 51 .

以业务主体接入区块链网络以实现第二支付订单摘要的获取为例说明区块链的示例性应用。An exemplary application of the blockchain is described by taking the business entity accessing the blockchain network to realize the acquisition of the second payment order summary as an example.

参见图8，业务主体50为支付服务平台，从认证中心70进行登记注册获得数字证书，数字证书中包括业务主体的公钥、以及认证中心70对业务主体的公钥和身份信息签署的数字签名，用来与业务主体针对交易的数字签名一起附加到交易中，并被发送到区块链网络，以供区块链网络从交易中取出数字证书和签名，验证消息的可靠性(即是否未经篡改)和发送消息的业务主体的身份信息，区块链网络会根据身份进行验证，例如是否具有发起交易的权限。业务主体下辖的电子设备(例如终端或者服务器)运行的客户端都可以向区块链网络80请求接入而成为客户端节点。Referring to FIG. 8 , the business entity 50 is a payment service platform, and a digital certificate is obtained by registering from the certification center 70. The digital certificate includes the public key of the business entity and the digital signature signed by the certification center 70 on the public key and identity information of the business entity. , used to be attached to the transaction together with the digital signature of the business subject for the transaction, and sent to the blockchain network for the blockchain network to extract the digital certificate and signature from the transaction to verify the reliability of the message (that is, whether it has not been After tampering) and the identity information of the business subject sending the message, the blockchain network will verify the identity, such as whether it has the authority to initiate transactions. Clients running on electronic devices (such as terminals or servers) under the jurisdiction of the business entity can request access to the blockchain network 80 to become client nodes.

业务主体50的客户端节点51用于在接收到终端发送的第二支付订单时，生成用于获取区块链中存储的第二支付订单摘要的交易，在交易中指定了实现第二支付订单摘要的获取操作需要调用的智能合约、以及向智能合约传递的参数，交易还携带了客户端51的数字证书、签署的数字签名(例如，使用客户端51的数字证书中的私钥，对交易的摘要进行加密得到)，并将交易广播到区块链网络80中的共识节点。The client node 51 of the business entity 50 is configured to, when receiving the second payment order sent by the terminal, generate a transaction for obtaining the second payment order summary stored in the blockchain, and specify the realization of the second payment order in the transaction. The operation of obtaining the digest needs to call the smart contract and the parameters passed to the smart contract. The transaction also carries the digital certificate of the client 51 and the signed digital signature (for example, using the private key in the digital certificate of the client 51, to the transaction The digest is encrypted), and the transaction is broadcast to the consensus nodes in the blockchain network 80.

区块链网络80中的共识节点接收交易时，对交易携带的数字证书和数字签名进行验证，验证成功后，根据交易中携带的业务主体50的身份，确认业务主体50是否是具有交易权限，数字签名和权限验证中的任何一个验证判断都将导致交易失败。验证成功后签署节点自己的数字签名(例如，使用节点81-1的私钥对交易的摘要进行加密得到)，并继续在区块链网络80中广播。When the consensus node in the blockchain network 80 receives the transaction, it verifies the digital certificate and digital signature carried in the transaction. After the verification is successful, it confirms whether the business subject 50 has the transaction authority according to the identity of the business subject 50 carried in the transaction. Any verification judgment in the digital signature and authority verification will cause the transaction to fail. After the verification is successful, the node's own digital signature (for example, obtained by encrypting the transaction digest with the private key of the node 81-1) is signed, and continues to be broadcast in the blockchain network 80.

区块链网络80中的共识节点接收验证成功的交易后，将交易填充到新的区块中，并进行广播。区块链网络80中的共识节点广播的新区块时，会对新区块进行共识过程，如果共识成功，则将新区块追加到自身所存储的区块链的尾部，并根据交易的结果更新状态数据库，执行新区块中的交易：对于提交的获取第二支付订单摘要的交易，从状态数据库中查询第二支付订单摘要对应的键值对，并返回交易结果。After receiving the successfully verified transaction, the consensus node in the blockchain network 80 fills the transaction into a new block and broadcasts it. When a consensus node in the blockchain network 80 broadcasts a new block, it will perform a consensus process on the new block. If the consensus is successful, the new block will be appended to the end of the blockchain stored by itself, and the status will be updated according to the transaction result. Database, execute the transaction in the new block: for the submitted transaction to obtain the second payment order summary, query the key-value pair corresponding to the second payment order summary from the state database, and return the transaction result.

作为区块链的示例，参见图9，图9是本发明实施例提供的区块链网络80中区块链的结构示意图，每个区块的头部既可以包括区块中所有交易的哈希值，同时也包含前一个区块中所有交易的哈希值，新产生的交易的记录被填充到区块并经过区块链网络中节点的共识后，会被追加到区块链的尾部从而形成链式的增长，区块之间基于哈希值的链式结构保证了区块中交易的防篡改和防伪造。As an example of a blockchain, see FIG. 9 , which is a schematic structural diagram of a blockchain in a blockchain network 80 provided by an embodiment of the present invention. The header of each block may include the hash of all transactions in the block. The hash value also contains the hash value of all transactions in the previous block. The record of the newly generated transaction is filled into the block and after the consensus of the nodes in the blockchain network, it will be appended to the end of the blockchain Thus, chain growth is formed, and the chain structure based on the hash value between blocks ensures the tamper-proof and anti-forgery of transactions in the block.

下面说明本发明实施例提供的区块链网络的示例性的功能架构，参见图10，图10为本发明实施例提供的区块链网络80的功能架构示意图，包括应用层1、共识层2、网络层3、数据层4和资源层5，下面分别进行说明。The following describes an exemplary functional architecture of the blockchain network provided by the embodiment of the present invention. Referring to FIG. 10 , FIG. 10 is a schematic diagram of the functional architecture of the blockchain network 80 provided by the embodiment of the present invention, including an application layer 1 and a consensus layer 2 , the network layer 3, thedata layer 4 and the resource layer 5, which will be described below.

资源层5封装了实现区块链网路80中的各个节点81的计算资源、存储资源和通信资源。The resource layer 5 encapsulates the computing resources, storage resources and communication resources for realizing eachnode 81 in the blockchain network 80 .

数据层4封装了实现账本的各种数据结构，包括以文件系统中的文件实现的区块链，键值型的状态数据库和存在性证明(例如区块中交易的哈希树)。Data Layer 4 encapsulates various data structures that implement the ledger, including blockchains implemented as files in the file system, key-value state databases, and proofs of existence (such as hash trees for transactions in blocks).

网络层3封装了点对点(P2P，Point to Point)网络协议、数据传播机制和数据验证机制、接入认证机制和业务主体身份管理的功能。Network layer 3 encapsulates the functions of point-to-point (P2P, Point to Point) network protocol, data dissemination mechanism and data verification mechanism, access authentication mechanism and business subject identity management.

其中，P2P网络协议实现区块链网络80中节点81之间的通信，数据传播机制保证了交易在区块链网络80中的传播，数据验证机制用于基于加密学方法(例如数字证书、数字签名、公/私钥对)实现节点81之间传输数据的可靠性；接入认证机制用于根据实际的业务场景对加入区块链网络80的业务主体的身份进行认证，并在认证通过时赋予业务主体接入区块链网络80的权限；业务主体身份管理用于存储允许接入区块链网络80的业务主体的身份、以及权限(例如能够发起的交易的类型)。Among them, the P2P network protocol realizes the communication betweennodes 81 in the blockchain network 80, the data dissemination mechanism ensures the dissemination of transactions in the blockchain network 80, and the data verification mechanism is used based on cryptographic methods (such as digital certificates, digital signature, public/private key pair) to realize the reliability of data transmission betweennodes 81; the access authentication mechanism is used to authenticate the identity of the business subject joining the blockchain network 80 according to the actual business scenario, and when the authentication is passed The business entity is given the permission to access the blockchain network 80; the business entity identity management is used to store the identity of the business entity allowed to access the blockchain network 80, as well as the permission (for example, the type of transaction that can be initiated).

共识层2封装了区块链网络80中的节点81对区块达成一致性的机制(即共识机制)、交易管理和账本管理的功能。共识机制包括POS、POW和DPOS等共识算法，支持共识算法的可插拔。Consensus layer 2 encapsulates the mechanism (ie, consensus mechanism), transaction management and ledger management fornodes 81 in the blockchain network 80 to reach consensus on blocks. The consensus mechanism includes consensus algorithms such as POS, POW, and DPOS, and supports the pluggability of consensus algorithms.

交易管理用于验证节点81接收的交易中携带的数字签名，验证业务主体的身份信息，并根据身份信息判断确认其是否具有权限进行交易(从业务主体身份管理读取相关信息)；对于获得接入区块链网络80的授权的业务主体而言，均拥有认证中心颁发的数字证书，业务主体利用自己的数字证书中的私钥对提交的交易进行签名，从而声明自己的合法身份。The transaction management is used to verify the digital signature carried in the transaction received by thenode 81, verify the identity information of the business entity, and determine whether it has the authority to conduct transactions according to the identity information (read relevant information from the business entity identity management); For authorized business entities entering the blockchain network 80, they all have digital certificates issued by the certification center. The business entities use the private key in their digital certificates to sign the submitted transactions, thereby declaring their legal identity.

账本管理用于维护区块链和状态数据库。对于取得共识的区块，追加到区块链的尾部；执行取得共识的区块中的交易，当交易包括更新操作时更新状态数据库中的键值对，当交易包括查询操作时查询状态数据库中的键值对并向业务主体的客户端节点返回查询结果。支持对状态数据库的多种维度的查询操作，包括：根据区块序列号(例如交易的哈希值)查询区块；根据区块哈希值查询区块；根据交易序列号查询区块；根据交易序列号查询交易；根据业务主体的账号(序列号)查询业务主体的账号数据；根据通道名称查询通道中的区块链。Ledger management is used to maintain the blockchain and state database. For the consensus block, append it to the end of the blockchain; execute the transaction in the consensus block, update the key-value pair in the state database when the transaction includes an update operation, and query the state database when the transaction includes a query operation and returns the query result to the client node of the business principal. Supports query operations in various dimensions of the state database, including: querying blocks according to block serial numbers (such as transaction hash values); querying blocks according to block hash values; querying blocks according to transaction serial numbers; Query transactions by transaction serial number; query the account data of the business entity according to the account number (serial number) of the business entity; query the blockchain in the channel according to the channel name.

应用层1封装了区块链网络能够实现的各种业务，包括交易的溯源、存证和验证等。Application layer 1 encapsulates various services that the blockchain network can implement, including transaction traceability, certificate storage, and verification.

接下来以即时通讯客户端中运行乘车卡小程序，实现乘车卡的开通及使用为例，继续对本发明实施例提供的基于信用度的乘车支付方法进行说明。图8为本发明实施例提供的开通虚拟乘车卡的方法流程示意图，参见图11，本发明实施例提供的开通虚拟乘车卡的方法包括：Next, the credit-based bus payment method provided by the embodiment of the present invention is continued by taking the example of running the bus card applet in the instant messaging client to realize the activation and use of the bus card. FIG. 8 is a schematic flowchart of a method for opening a virtual ride card provided by an embodiment of the present invention. Referring to FIG. 11 , the method for opening a virtual ride card provided by an embodiment of the present invention includes:

步骤701：即时通讯客户端运行乘车卡小程序。Step 701: The instant messaging client runs the mini program for the bus card.

这里，在实际实施时，终端具备NFC功能，终端上设置有即时通讯客户端(如微信客户端)，通过即时通讯客户端提供的小程序搜索功能，搜索乘车卡小程序，下载其源代码后即可运行乘车卡小程序。Here, in actual implementation, the terminal has the NFC function, and an instant messaging client (such as a WeChat client) is set on the terminal. Through the applet search function provided by the instant messaging client, you can search for the mini program of the bus card and download its source code. Then you can run the ride card applet.

步骤702：乘车卡小程序响应于针对虚拟乘车卡的开通指令，呈现用于授权对应虚拟乘车卡的支付方式的支付授权按键。Step 702: In response to the activation instruction for the virtual ride card, the ride card applet presents a payment authorization button for authorizing the payment method corresponding to the virtual ride card.

在实际应用中，在小程序页面，即虚拟乘车卡的开通界面，呈现一个或多个虚拟乘车卡供用户进行选择，用户选取想要开通的虚拟乘车卡，通过点击显示的虚拟乘车卡触发针对该虚拟乘车卡的开通指令，乘车卡小程序响应于用户触发的开通指令，呈现支付授权界面，在支付授权界面，呈现用于授权对应虚拟乘车卡的支付方式的支付授权按键。In practical applications, on the page of the applet, that is, the opening interface of the virtual ride card, one or more virtual ride cards are presented for the user to choose from. The card triggers an activation instruction for the virtual ride card, and the ride card applet displays a payment authorization interface in response to the activation instruction triggered by the user, and on the payment authorization interface, presents the payment for authorizing the payment method corresponding to the virtual ride card Authorize button.

在实际实施时，乘车卡小程序在支付授权界面，还呈现用于确定支付方式的确定功能项，以基于该确定功能项，关联虚拟乘车卡与即时通讯客户端。In actual implementation, the travel card applet also presents a determination function item for determining the payment method on the payment authorization interface, so as to associate the virtual ride card with the instant messaging client based on the determination function item.

步骤703：乘车卡小程序响应于基于支付授权按键触发的授权指令，发送目标用户的信用度获取请求给即时通讯客户端。Step 703: In response to the authorization instruction triggered by the payment authorization button, the travel card applet sends a request for obtaining the credit of the target user to the instant messaging client.

步骤704：即时通讯客户端返回目标用户的信用评分给乘车卡小程序。Step 704: The instant messaging client returns the credit score of the target user to the mini program for the bus card.

步骤705：乘车卡小程序基于目标用户的信用评分，确定虚拟乘车卡的支付额度。Step 705: Based on the credit score of the target user, the ride card applet determines the payment limit of the virtual ride card.

在实际实施时，信用度采用信用评分来表征，乘车卡小程序可通过如下方式确定虚拟乘车卡的支付额度：In actual implementation, the credit degree is characterized by credit score, and the ride card applet can determine the payment amount of the virtual ride card in the following ways:

乘车卡小程序确定目标用户的信用评分所处的评分范围，依据确定的评分范围，确定对应目标用户的虚拟乘车卡的支付额度。The ride card applet determines the scoring range in which the target user's credit score is located, and determines the payment amount of the virtual ride card corresponding to the target user according to the determined scoring range.

步骤706：乘车卡小程序基于确定的支付额度，为虚拟乘车卡分配相应的支付金额。Step 706: Based on the determined payment amount, the ride card applet allocates a corresponding payment amount to the virtual ride card.

步骤707：乘车卡小程序通过与刷卡设备之间的近场通信连接，接收第一支付订单，从支付金额中扣除对应第一支付订单的订单金额。Step 707: The ride card applet receives the first payment order through the near field communication connection with the card swiping device, and deducts the order amount corresponding to the first payment order from the payment amount.

步骤708：乘车卡小程序通过弹窗，呈现虚拟乘车卡对应的刷卡信息和/或支付信息。Step 708: The travel card applet presents the card swiping information and/or payment information corresponding to the virtual travel card through a pop-up window.

这里，刷卡信息用于指示刷卡成功或刷卡失败，支付信息用于指示本次刷卡所扣除的对应第一支付订单的订单金额。Here, the card swiping information is used to indicate that the card swipe succeeds or the card swipe fails, and the payment information is used to indicate the order amount corresponding to the first payment order deducted by the current card swipe.

步骤709：乘车卡小程序基于第一支付订单的订单金额，生成并发送第二支付订单给即时通讯客户端。Step 709: Based on the order amount of the first payment order, the ride card applet generates and sends a second payment order to the instant messaging client.

这里，第二支付订单对应的支付金额与订单金额相同。Here, the payment amount corresponding to the second payment order is the same as the order amount.

步骤710：即时通讯客户端从关联的目标用户的支付账户中扣除订单金额。Step 710: The instant messaging client deducts the order amount from the payment account of the associated target user.

步骤711：即时通讯客户端发送第二支付订单支付成功的消息给乘车卡小程序。Step 711 : The instant messaging client sends a message that the payment of the second payment order is successful to the mini program for the ride card.

步骤712：乘车卡小程序为虚拟乘车卡充值。Step 712: The ride card applet recharges the virtual ride card.

在实际实施时，乘车卡小程序接收到第二支付订单支付成功的消息后，自动为虚拟乘车卡充值，使得虚拟乘车卡的余额与确定的支付额度相同。In actual implementation, after receiving the message that the payment of the second payment order is successful, the ride card applet automatically recharges the virtual ride card, so that the balance of the virtual ride card is the same as the determined payment amount.

继续以即时通讯客户端中运行乘车卡小程序，实现乘车卡的开通及使用为例，继续对本发明实施例提供的基于信用度的乘车支付方法进行说明。Continuing to take the example of running a bus card applet in the instant messaging client to realize the activation and use of the bus card, the credit-based bus payment method provided by the embodiment of the present invention is continued to be described.

图12A及图12B为本发明实施例提供的开通虚拟乘车卡的流程示意图，结合图12A及图12B对本发明实施例提供的开通虚拟乘车卡的流程进行说明。FIGS. 12A and 12B are schematic diagrams of the flow of opening a virtual ride card according to an embodiment of the present invention, and the flow of opening a virtual ride card according to an embodiment of the present invention is described with reference to FIGS. 12A and 12B .

步骤801：即时通讯客户端运行乘车卡小程序。Step 801 : the instant messaging client runs the mini program for the ride card.

这里，在实际实施时，即时通讯客户端(如微信客户端)在首次运行乘车卡小程序时，需要下载小程序，即获取乘车卡小程序的源代码，然后即时通讯客户端通过解释乘车卡小程序的代码来进行乘车卡小程序页面的加载，后续在乘车卡小程序的使用过程中，无需重复下载，可直接运行。Here, in actual implementation, the instant messaging client (such as WeChat client) needs to download the applet when running the mini program for the first time, that is, obtain the source code of the mini program for the transportation card, and then the instant messaging client will explain the The code of the ride card applet is used to load the ride card applet page. In the subsequent use of the ride card applet, it can be directly run without repeated downloading.

步骤802：乘车卡小程序检测终端具备NFC功能。Step 802: The mini program for the ride card detects that the terminal has the NFC function.

这里，在实际实施时，乘车卡小程序可通过检测NFC功能接口，实现对终端NFC功能的检测。Here, in actual implementation, the mini program of the bus card can detect the NFC function of the terminal by detecting the NFC function interface.

步骤803：用户申请开通一卡通。Step 803: The user applies to activate an all-in-one card.

这里，一卡通为虚拟乘车卡，在乘车卡小程序页面可呈现多个可用的一卡通，用户通过针对所选一卡通的点击操作，触发针对一卡通的开通指令。Here, the all-in-one card is a virtual ride card, and multiple available one-card cards can be presented on the ride-card applet page, and the user triggers the activation instruction for the one-card card by clicking on the selected one-card card.

步骤804：乘车卡小程序发送签约免密支付请求给即时通讯客户端。Step 804: The mini-program of the bus card sends a contracted password-free payment request to the instant messaging client.

在实际实施时，当用户触发针对一卡通的开通指令后，小程序实现页面跳转至“开通免密支付”界面(即前述实施例中的支付授权界面)，当用户点击界面中呈现的“开通免密支付”按键时，触发乘车卡小程序发送签约免密支付请求给即时通讯客户端。In actual implementation, after the user triggers the activation instruction for the all-in-one card, the applet implementation page jumps to the "Activate password-free payment" interface (that is, the payment authorization interface in the foregoing embodiment). When the "Password-free payment" button is pressed, the mini-program of the ride card is triggered to send a contracted password-free payment request to the instant messaging client.

步骤805：即时通讯客户端返回签约成功消息给乘车卡小程序。Step 805: The instant messaging client returns a signing success message to the ride card applet.

这里，当即时通讯客户端接收到乘车卡小程序发送的签约免密支付请求后，进行对应一卡通与所选扣费方式的关联，以在用户乘车后进行车费的代扣。Here, when the instant messaging client receives the contract-free payment request sent by the bus card applet, it associates the corresponding one-card card with the selected fee deduction method, so as to deduct the fare after the user gets on the bus.

步骤806：乘车卡小程序呈现签约成功的消息。Step 806: The mini program for the ride card presents a message that the contract is successful.

当乘车卡小程序接收到即时通讯客户端返回签约成功消息后，相应的，将签约成功的消息呈现给用户。After receiving the sign-up success message returned by the instant messaging client, the bus card applet correspondingly presents the sign-up success message to the user.

步骤807：乘车卡小程序查询用户信息，进行授信。Step 807: The mini-program of the bus card inquires about the user information and grants credit.

具体地，乘车卡小程序从即时通讯客户端处获取用户信息，如获取用户的信用评分，然后基于用户的信用评分为该用户的一卡通分配相应的支付金额，在实际应用中，用户的信用评分越高，相应的分配的一卡通的支付金额越高。Specifically, the bus card applet obtains user information from the instant messaging client, such as obtaining the user's credit score, and then allocates the corresponding payment amount to the user's all-in-one card based on the user's credit score. In practical applications, the user's credit score The higher the score, the higher the payment amount of the corresponding allocated card.

步骤808：乘车卡小程序授信成功，呈现开卡成功信息。Step 808: The credit card applets are successfully granted, and the card opening success information is displayed.

在实际实施时，乘车卡小程序为用户的一卡通分配相应的支付金额后，分别向用户展示授信成功及开卡成功的信息。In actual implementation, after allocating the corresponding payment amount to the user's all-in-one card, the mini-program of the bus card displays the information of successful credit extension and successful card opening to the user respectively.

图13A及图13B为本发明实施例提供的使用虚拟乘车卡的流程示意图，结合图13A及图13B对本发明实施例提供的使用虚拟乘车卡的流程进行说明。13A and FIG. 13B are schematic flowcharts of using a virtual ride card provided by an embodiment of the present invention, and the flow of using a virtual ride card provided by an embodiment of the present invention will be described with reference to FIG. 13A and FIG. 13B .

步骤901：一卡通云服务器为一卡通提前充值。Step 901: The one-card cloud server recharges the one-card in advance.

这里，在对用户的一卡通授信成功后，基于用户的信用度(如信用评分)，为用户的一卡通自动充值，即为用户的一卡通分配相应的支付金额。Here, after the user's all-in-one card is successfully granted credit, the user's all-in-one card is automatically recharged based on the user's credit degree (eg, credit score), that is, a corresponding payment amount is allocated to the user's all-in-one card.

步骤902：进入一卡通小程序。Step 902: Enter the one-card applet.

在实际应用中，当用户需要用开通成功的一卡通进行乘车支付时，用户触发即时通讯客户端运行一卡通小程序。In practical applications, when the user needs to use the successfully activated one-card card to pay for the ride, the user triggers the instant messaging client to run the one-card applet.

步骤903：一卡通小程序检测终端具备NFC功能。Step 903: The one-card applet detects that the terminal has the NFC function.

这里，在实际实施时，乘车卡小程序可通过检测NFC功能接口，实现对终端NFC功能的检测。Here, in actual implementation, the mini program of the bus card can detect the NFC function of the terminal by detecting the NFC function interface.

步骤904：用户触发请求一卡通数据。Step 904: The user triggers a request for one-card data.

这里，在实际实施时，用户通过针对呈现的一卡通的点击操作，触发请求一卡通数据。Here, in actual implementation, the user triggers a request for one-card data through a click operation on the presented one-card.

步骤905：一卡通小程序向一卡通云服务器请求一卡通数据。Step 905: The All-in-One Card applet requests All-in-One Card data from the All-in-One Card cloud server.

步骤906：一卡通云服务器下发一卡通数据给一卡通小程序。Step 906: The one-card cloud server delivers the one-card data to the one-card applet.

步骤907：一卡通小程序向用户呈现一卡通数据。Step 907: The one-card applet presents the one-card data to the user.

步骤908：闸机发送扣款成功消息给一卡通小程序。Step 908: The gate sends a deduction success message to the All-in-One Card applet.

当用户手机贴近闸机刷卡感应处时，闸机通过与一卡通小程序间的NFC连接，在一卡通中扣除本次乘车费用。When the user's mobile phone is close to the card-swiping sensor of the gate, the gate will deduct the ride fee from the one-card through the NFC connection with the one-card applet.

步骤909：一卡通小程序显示“刷卡成功”弹窗。Step 909: The All-in-One Card applet displays a pop-up window of "swipe the card successfully".

在实际实施时，一卡通扣款成功后，相应的，一卡通余额扣减。In the actual implementation, after the deduction of the one-card card is successful, the balance of the one-card card will be deducted accordingly.

步骤910：一卡通小程序生成充值订单。Step 910: The one-card applet generates a recharge order.

在实际实施时，一卡通小程序基于闸机拓传的扣款成功消息，生成相应的充值订单。In actual implementation, the all-in-one card applet generates a corresponding recharge order based on the successful deduction message from the gate extension.

步骤911：一卡通小程序发送充值订单至即时通讯客户端。Step 911: The one-card applet sends a recharge order to the instant messaging client.

步骤912：即时通讯客户端发起代扣。Step 912: The instant messaging client initiates a deduction.

在实际实施时，即时通讯客户端在接收到一卡通小程序发送的充值订单后，从关联的用户的账户中扣除相应的乘车费用。In actual implementation, after receiving the recharge order sent by the All-in-One Card applet, the instant messaging client deducts the corresponding travel fee from the account of the associated user.

步骤913：即时通讯客户端发送支付成功消息给一卡通小程序。Step 913: The instant messaging client sends a payment success message to the All-in-One Card applet.

步骤914：一卡通小程序呈现支付成功消息给用户。Step 914: The all-in-one card applet presents a payment success message to the user.

步骤915：一卡通小程序发送充值成功订单给一卡通云服务器。Step 915: The All-in-One Card applet sends the recharge successful order to the All-in-One Card cloud server.

步骤916：一卡通云服务器为一卡通充值。Step 916: The one-card cloud server recharges the one-card.

继续对本发明实施例提供的基于信用度的乘车支付装置行说明。图14为本发明实施例提供的基于信用度的乘车支付装置的组成结构示意图，参见图14，本发明实施例提供的基于信用度的乘车支付装置455包括：Continue to describe the credit-based ride payment device provided by the embodiment of the present invention. FIG. 14 is a schematic diagram of the composition and structure of the credit-based car payment device provided by the embodiment of the present invention. Referring to FIG. 14 , the credit-based car payment device 455 provided by the embodiment of the present invention includes:

显示模块4551，用于响应于针对虚拟乘车卡的开通指令，呈现用于授权对应所述虚拟乘车卡的支付方式的支付授权按键；The display module 4551 is configured to present a payment authorization button for authorizing the payment method corresponding to the virtual ride card in response to the activation instruction for the virtual ride card;

获取模块4552，用于响应于基于所述支付授权按键触发的授权指令，获取所述虚拟乘车卡关联的目标用户的信用度；Obtaining module 4552, configured to obtain the credit rating of the target user associated with the virtual ride card in response to an authorization instruction triggered by the payment authorization button;

分配模块4553，用于基于所述目标用户的信用度，为所述虚拟乘车卡分配相应的支付金额；an allocation module 4553, configured to allocate a corresponding payment amount to the virtual ride card based on the credit rating of the target user;

支付模块4554，用于响应于通过近场通信连接发送的第一支付订单，从所述支付金额中扣除对应所述第一支付订单的订单金额；A payment module 4554, configured to deduct the order amount corresponding to the first payment order from the payment amount in response to the first payment order sent through the near field communication connection;

发送模块4555，用于基于所述订单金额，发送第二支付订单至所述支付方式对应的支付端，以基于所述第二支付订单，从关联的所述目标用户的支付账户中扣除所述订单金额。The sending module 4555 is configured to send a second payment order to the payment terminal corresponding to the payment method based on the order amount, so as to deduct the payment from the associated target user's payment account based on the second payment order order amount.

在一些实施例中，所述装置还包括关联模块；In some embodiments, the apparatus further includes an association module;

所述显示模块，还用于呈现对应所述支付方式的支付规则，以及用于确定所述支付方式的确定功能项；The display module is further configured to present a payment rule corresponding to the payment method, and a determination function item for determining the payment method;

所述关联模块，用于响应于根据所述支付规则触发的针对所述确定功能项的操作指令，关联所述虚拟乘车卡与对应所述支付方式的支付端。The association module is configured to associate the virtual bus card with a payment terminal corresponding to the payment method in response to an operation instruction for the determined function item triggered according to the payment rule.

在一些实施例中，所述获取模块，还用于发送对应所述目标用户的信用度获取请求；In some embodiments, the obtaining module is further configured to send a request for obtaining a credit degree corresponding to the target user;

接收返回的用于表征所述目标用户的信用度的信用评分。Receive the returned credit score used to characterize the credit degree of the target user.

在一些实施例中，所述获取模块，还用于通过子应用程序，发送所述信用度获取请求至运行所述子应用程序的母应用程序。In some embodiments, the acquiring module is further configured to send the credit degree acquisition request to a parent application running the sub-application through a sub-application.

在一些实施例中，所述分配模块，还用于基于所述目标用户的信用度、信用度与支付额度的映射关系，确定所述虚拟乘车卡的支付额度；In some embodiments, the allocation module is further configured to determine the payment limit of the virtual bus card based on the credit degree of the target user and the mapping relationship between the credit degree and the payment limit;

基于所述虚拟乘车卡的支付额度，为所述虚拟乘车卡分配相应的支付金额。Based on the payment amount of the virtual ride card, a corresponding payment amount is allocated to the virtual ride card.

在一些实施例中，所述显示模块，还用于在视图界面中呈现包含乘车卡卡号的所述虚拟乘车卡，所述乘车卡卡号用于标识所述虚拟乘车卡，指示所述虚拟乘车卡开通成功。In some embodiments, the display module is further configured to present the virtual ride card including the ride card number in the view interface, where the ride card number is used to identify the virtual ride card, indicating the The above virtual ride card was successfully activated.

在一些实施例中，所述显示模块，还用于通过弹窗，呈现所述虚拟乘车卡对应的刷卡信息和/或支付信息。In some embodiments, the display module is further configured to present card swiping information and/or payment information corresponding to the virtual bus pass through a pop-up window.

在一些实施例中，所述获取模块，还用于发送包含所述订单金额的对应所述虚拟乘车卡的刷卡记录；In some embodiments, the obtaining module is further configured to send a credit card record corresponding to the virtual ride card including the order amount;

接收返回的基于所述刷卡记录生成的所述第二支付订单，所述第二支付订单对应的支付金额与所述订单金额相同。The returned second payment order generated based on the card swiping record is received, and the payment amount corresponding to the second payment order is the same as the order amount.

在一些实施例中，所述装置还包括：In some embodiments, the apparatus further includes:

充值模块，用于接收对应所述第二支付订单的支付成功消息；a recharge module, configured to receive a payment success message corresponding to the second payment order;

基于所述支付成功消息，为所述虚拟乘车卡充值，使得所述虚拟乘车卡的余额与所述支付金额相同。Based on the payment success message, the virtual ride card is recharged so that the balance of the virtual ride card is the same as the payment amount.

在一些实施例中，所述支付模块，还用于响应于通过近场通信连接发送的第三支付订单，获取所述虚拟乘车卡的余额；In some embodiments, the payment module is further configured to obtain the balance of the virtual ride card in response to a third payment order sent through a near field communication connection;

所述显示模块，还用于当所述余额小于所述第三支付订单的订单金额时，呈现提示余额不足的提示消息。The display module is further configured to present a prompt message indicating that the balance is insufficient when the balance is less than the order amount of the third payment order.

在一些实施例中，所述获取模块，还用于获取更新的所述目标用户的信用度；In some embodiments, the obtaining module is further configured to obtain the updated credit rating of the target user;

所述分配模块，还用于基于更新的所述目标用户的信用度，调整为所述虚拟乘车卡分配的支付金额。The allocation module is further configured to adjust the payment amount allocated for the virtual ride card based on the updated credit rating of the target user.

在一些实施例中，所述装置还包括检测模块；In some embodiments, the apparatus further includes a detection module;

所述检测模块，用于检测近场通信接口，得到检测结果；The detection module is used to detect the near field communication interface and obtain the detection result;

所述显示模块，还用于当所述检测结果表征检测到近场通信接口时，呈现用于授权对应所述虚拟乘车卡的支付方式的支付授权按键。The display module is further configured to present a payment authorization button for authorizing a payment method corresponding to the virtual ride card when the detection result indicates that a near field communication interface is detected.

这里需要指出的是：以上涉及装置的描述，与上述方法描述是类似的，同方法的有益效果描述，不做赘述，对于本发明实施例所述装置中未披露的技术细节，请参照本发明方法实施例的描述。It should be pointed out here that the above description of the device is similar to the description of the above method, and the description of the beneficial effects of the same method will not be repeated. For the technical details not disclosed in the device according to the embodiment of the present invention, please refer to the present invention Description of method embodiments.

本发明实施例还提供了一种电子设备，所述电子设备包括：The embodiment of the present invention also provides an electronic device, the electronic device includes:

存储器，用于存储可执行程序；memory for storing executable programs;

处理器，用于执行所述存储器中存储的可执行程序时，实现本发明实施例提供的上述基于信用度的乘车支付方法。The processor is configured to, when executing the executable program stored in the memory, implement the above credit-based ride payment method provided by the embodiment of the present invention.

本发明实施例还提供一种存储有可执行指令的存储介质，其中存储有可执行指令，当可执行指令被处理器执行时，将引起处理器执行本发明实施例提供的基于信用度的乘车支付方法。The embodiment of the present invention also provides a storage medium storing executable instructions, wherein the executable instructions are stored, and when the executable instructions are executed by the processor, the processor will cause the processor to execute the credit-based ride provided by the embodiments of the present invention payment method.

实施例的全部或部分步骤可以通过程序指令相关的硬件来完成，前述的程序可以存储于一计算机可读取存储介质中，该程序在执行时，执行包括上述方法实施例的步骤；而前述的存储介质包括：移动存储设备、随机存取存储器(RAM，Random Access Memory)、只读存储器(ROM，Read-Only Memory)、磁碟或者光盘等各种可以存储程序代码的介质。All or part of the steps of the embodiments can be completed by program instructions related to hardware, the aforementioned program can be stored in a computer-readable storage medium, and when the program is executed, it executes the steps including the above-mentioned method embodiments; The storage medium includes: a removable storage device, a random access memory (RAM, Random Access Memory), a read-only memory (ROM, Read-Only Memory), a magnetic disk or an optical disk and other media that can store program codes.

或者，本发明上述集成的单元如果以软件功能模块的形式实现并作为独立的产品销售或使用时，也可以存储在一个计算机可读取存储介质中。基于这样的理解，本发明实施例的技术方案本质上或者说对相关技术做出贡献的部分可以以软件产品的形式体现出来，该计算机软件产品存储在一个存储介质中，包括若干指令用以使得一台计算机设备(可以是个人计算机、服务器、或者网络设备等)执行本发明各个实施例所述方法的全部或部分。而前述的存储介质包括：移动存储设备、RAM、ROM、磁碟或者光盘等各种可以存储程序代码的介质。Alternatively, if the above-mentioned integrated unit of the present invention is implemented in the form of a software function module and sold or used as an independent product, it may also be stored in a computer-readable storage medium. Based on such understanding, the technical solutions of the embodiments of the present invention may be embodied in the form of software products in essence or the parts that make contributions to related technologies. The computer software products are stored in a storage medium and include several instructions for making A computer device (which may be a personal computer, a server, or a network device, etc.) executes all or part of the methods described in the various embodiments of the present invention. The aforementioned storage medium includes: a removable storage device, a RAM, a ROM, a magnetic disk or an optical disk and other mediums that can store program codes.

以上所述，仅为本发明的具体实施方式，但本发明的保护范围并不局限于此，任何熟悉本技术领域的技术人员在本发明揭露的技术范围内，可轻易想到变化或替换，都应涵盖在本发明的保护范围之内。因此，本发明的保护范围应以所述权利要求的保护范围为准。The above are only specific embodiments of the present invention, but the protection scope of the present invention is not limited thereto. Any person skilled in the art can easily think of changes or substitutions within the technical scope disclosed by the present invention. should be included within the protection scope of the present invention. Therefore, the protection scope of the present invention should be based on the protection scope of the claims.

Claims (15)

Translated fromChinese

1.一种基于信用度的乘车支付方法，其特征在于，所述方法包括：1. A credit-based vehicle payment method, characterized in that the method comprises:响应于针对虚拟乘车卡的开通指令，呈现用于授权对应所述虚拟乘车卡的支付方式的支付授权按键；In response to the activation instruction for the virtual ride card, presenting a payment authorization button for authorizing a payment method corresponding to the virtual ride card;响应于基于所述支付授权按键触发的授权指令，获取所述虚拟乘车卡关联的目标用户的信用度；In response to the authorization instruction triggered based on the payment authorization button, acquiring the credit rating of the target user associated with the virtual ride card;基于所述目标用户的信用度，为所述虚拟乘车卡分配相应的支付金额；Allocate a corresponding payment amount to the virtual ride card based on the credit rating of the target user;响应于通过近场通信连接发送的第一支付订单，从所述支付金额中扣除对应所述第一支付订单的订单金额；in response to a first payment order sent over the near field communication connection, deducting an order amount corresponding to the first payment order from the payment amount;基于所述订单金额，发送第二支付订单至所述支付方式对应的支付端，以基于所述第二支付订单，从关联的所述目标用户的支付账户中扣除所述订单金额。Based on the order amount, a second payment order is sent to the payment terminal corresponding to the payment method, so as to deduct the order amount from the associated payment account of the target user based on the second payment order.2.根据权利要求1所述的方法，其特征在于，所述方法还包括：2. The method according to claim 1, wherein the method further comprises:呈现对应所述支付方式的支付规则，以及用于确定所述支付方式的确定功能项；presenting a payment rule corresponding to the payment method, and a determination function item for determining the payment method;响应于根据所述支付规则触发的针对所述确定功能项的操作指令，关联所述虚拟乘车卡与对应所述支付方式的支付端。In response to an operation instruction for the determined function item triggered according to the payment rule, the virtual bus card is associated with a payment terminal corresponding to the payment method.3.根据权利要求1所述的方法，其特征在于，所述获取所述虚拟乘车卡关联的目标用户的信用度，包括：3. The method according to claim 1, wherein the acquiring the credit of the target user associated with the virtual ride card comprises:发送对应所述目标用户的信用度获取请求；sending a request for obtaining a credit rating corresponding to the target user;接收返回的用于表征所述目标用户的信用度的信用评分。Receive the returned credit score used to characterize the credit degree of the target user.4.根据权利要求3所述的方法，其特征在于，所述发送对应所述目标用户的信用度获取请求，包括：4. The method according to claim 3, wherein the sending a request for obtaining a credit degree corresponding to the target user comprises:通过子应用程序，发送所述信用度获取请求至运行所述子应用程序的母应用程序。Through the sub-application, the credit degree acquisition request is sent to the parent application running the sub-application.5.根据权利要求1所述的方法，其特征在于，所述基于所述目标用户的信用度，为所述虚拟乘车卡分配相应的支付金额，包括：5. The method according to claim 1, wherein, based on the credit of the target user, allocating a corresponding payment amount to the virtual ride card, comprising:基于所述目标用户的信用度、信用度与支付额度的映射关系，确定所述虚拟乘车卡的支付额度；Determine the payment amount of the virtual ride card based on the credit degree of the target user, the mapping relationship between the credit degree and the payment amount;基于所述虚拟乘车卡的支付额度，为所述虚拟乘车卡分配相应的支付金额。Based on the payment amount of the virtual ride card, a corresponding payment amount is allocated to the virtual ride card.6.根据权利要求1所述的方法，其特征在于，所述为所述虚拟乘车卡分配相应的支付金额之后，所述方法还包括：6. The method according to claim 1, characterized in that, after allocating the corresponding payment amount to the virtual ride card, the method further comprises:在视图界面中呈现包含乘车卡卡号的所述虚拟乘车卡，所述乘车卡卡号用于标识所述虚拟乘车卡，指示所述虚拟乘车卡开通成功。The virtual ride card including the ride card number is presented in the view interface, and the ride card number is used to identify the virtual ride card, indicating that the virtual ride card is successfully activated.7.根据权利要求1所述的方法，其特征在于，所述从所述支付金额中扣除对应所述第一支付订单的订单金额之后，所述方法还包括：7. The method according to claim 1, wherein after deducting the order amount corresponding to the first payment order from the payment amount, the method further comprises:通过弹窗，呈现所述虚拟乘车卡对应的刷卡信息和/或支付信息。The card swiping information and/or payment information corresponding to the virtual ride card is presented through the pop-up window.8.根据权利要求1所述的方法，其特征在于，所述发送第二支付订单至所述支付方式对应的乘车支付端之前，所述方法还包括：8. The method according to claim 1, wherein before the sending the second payment order to the payment terminal corresponding to the payment method, the method further comprises:发送包含所述订单金额的对应所述虚拟乘车卡的刷卡记录；Sending a swipe record corresponding to the virtual ride card containing the order amount;接收返回的基于所述刷卡记录生成的所述第二支付订单，所述第二支付订单对应的支付金额与所述订单金额相同。The returned second payment order generated based on the card swiping record is received, and the payment amount corresponding to the second payment order is the same as the order amount.9.根据权利要求1所述的方法，其特征在于，所述发送第二支付订单至所述支付方式对应的乘车支付端之后，所述方法还包括：9 . The method according to claim 1 , wherein after the sending the second payment order to the payment terminal corresponding to the payment method, the method further comprises: 10 .接收对应所述第二支付订单的支付成功消息；receiving a payment success message corresponding to the second payment order;基于所述支付成功消息，为所述虚拟乘车卡充值，使得所述虚拟乘车卡的余额与所述支付金额相同。Based on the payment success message, the virtual ride card is recharged so that the balance of the virtual ride card is the same as the payment amount.10.根据权利要求1所述的方法，其特征在于，所述方法还包括：10. The method of claim 1, wherein the method further comprises:响应于通过近场通信连接发送的第三支付订单，获取所述虚拟乘车卡的余额；obtaining the balance of the virtual ride card in response to the third payment order sent over the near field communication connection;当所述余额小于所述第三支付订单的订单金额时，呈现提示余额不足的提示消息。When the balance is less than the order amount of the third payment order, a prompt message indicating that the balance is insufficient is presented.11.根据权利要求1所述的方法，其特征在于，所述方法还包括：11. The method of claim 1, wherein the method further comprises:获取更新的所述目标用户的信用度；obtaining the updated credit rating of the target user;基于更新的所述目标用户的信用度，调整为所述虚拟乘车卡分配的支付金额。Based on the updated credit rating of the target user, the payment amount allocated for the virtual ride card is adjusted.12.根据权利要求1至11任一项所述的方法，其特征在于，所述方法还包括：12. The method according to any one of claims 1 to 11, wherein the method further comprises:对所述第二支付订单进行哈希处理，得到所述第二支付订单的摘要；performing hash processing on the second payment order to obtain a summary of the second payment order;存储所述第二支付订单的摘要至区块链网络。A summary of the second payment order is stored to the blockchain network.13.一种基于信用度的乘车支付装置，其特征在于，所述装置包括：13. A credit-based vehicle payment device, characterized in that the device comprises:显示模块，用于响应于针对虚拟乘车卡的开通指令，呈现用于授权对应所述虚拟乘车卡的支付方式的支付授权按键；a display module, configured to present a payment authorization button for authorizing a payment method corresponding to the virtual ride card in response to an activation instruction for the virtual ride card;获取模块，用于响应于基于所述支付授权按键触发的授权指令，获取所述虚拟乘车卡关联的目标用户的信用度；an obtaining module, configured to obtain the credit rating of the target user associated with the virtual bus pass in response to an authorization instruction triggered by the payment authorization button;分配模块，用于基于所述目标用户的信用度，为所述虚拟乘车卡分配相应的支付金额；an allocation module, configured to allocate a corresponding payment amount to the virtual ride card based on the credit of the target user;支付模块，用于响应于通过近场通信连接发送的第一支付订单，从所述支付金额中扣除对应所述第一支付订单的订单金额；a payment module, configured to deduct the order amount corresponding to the first payment order from the payment amount in response to the first payment order sent through the near field communication connection;发送模块，用于基于所述订单金额，发送第二支付订单至所述支付方式对应的支付端，以基于所述第二支付订单，从关联的所述目标用户的支付账户中扣除所述订单金额。A sending module, configured to send a second payment order to the payment terminal corresponding to the payment method based on the order amount, so as to deduct the order from the associated payment account of the target user based on the second payment order amount.14.一种电子设备，其特征在于，所述电子设备包括：14. An electronic device, characterized in that the electronic device comprises:存储器，用于存储可执行程序；memory for storing executable programs;处理器，用于执行所述存储器中存储的可执行程序时，实现如权利要求1至12任一项所述的基于信用度的乘车支付方法。The processor is configured to implement the credit-based ride payment method according to any one of claims 1 to 12 when executing the executable program stored in the memory.15.一种存储介质，其特征在于，存储有可执行程序，所述可执行程序被处理器执行时，实现如权利要求1至12任一项所述的基于信用度的乘车支付方法。15 . A storage medium, wherein an executable program is stored, and when the executable program is executed by a processor, the credit-based ride payment method according to any one of claims 1 to 12 is implemented. 16 .

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