Rail transit ticket payment system combined with digital RMB

Abstract

The invention provides a rail transit ticket business payment system combined with digital RMB, which comprises a commercial bank digital RMB management background, a digital RMB APP, terminal equipment, a gateway module, an industry data arrangement module, a travel transaction matching module, an account checking module, a payment module and a passenger transaction module, the digital RMB is combined with a rail transit ticketing system, by means of the off-line payment characteristic of the digital RMB, off-line payment of handheld equipment of passengers is supported, and meanwhile, the conditions of network collapse and data loss caused by network fluctuation are relieved; and during settlement, additional service fees of intermediate channel providers do not need to pay, the digital RMB is issued by the central bank, the influence of disputes of the channel providers on subway service images is not needed to be worried, and the application scene of the digital RMB in rail transit can be expanded.

Description

technical field [0001] The invention relates to payment technology, in particular to a rail transit ticket payment system combined with digital RMB, which can be widely used in the field of rail transit. Background technique [0002] The statements in this section merely provide background technical information related to the present invention and do not necessarily constitute prior art or prior art. [0003] Rail transit has become an important means of transportation for travel. However, in the business of ticket purchase, recharge, and gate ride, as the flow of people increases, the payment process appears to be a huge workload, especially during peak hours. Specifically, the current implementation of the rail transit ticketing system has the following deficiencies: [0004] 1. The third-party payment method requires passengers’ handheld devices to be connected to the Internet in real time. Rail transit such as subways has a large passenger flow and there are many mobile...

AI Technical Summary

Problems solved by technology

[0004] 1. The third-party payment method requires passengers’ handheld devices to be connected to the Internet in real time. Rail transit such as subways has a large passenger flow and there are many mobile phone signal blind spots, which cannot guarantee the real-time connection of passenger devices, which affects passengers’ experience of using third-party payment for riding;

[0005] 2. Third-party payment does not have legal compensation. The third-party payment system needs to charge payment channel service fees, which increases the operating cost of the subway. At the same time, some third-party payment channels may make exclusive measures due to commercial competition, which will affect the operation of the subway. Service image, and currently there is no single third-party payment system in the market to achieve full-scenario payment coverage, and some functions cannot meet the needs of subway business;

[0006] 3. Since a large amount of instant request data in the network exceeds the maximum processing capacity of the system, it may further cause the system to crash, resulting in data loss

Images