阅读说明：本技术 基于企业账户的乘车支付方法、系统及一种企业端、用户终端 (Riding payment method and system based on enterprise account, enterprise terminal and user terminal ) 是由 谌子奇 卢祖传 李继雄 于 2018-09-28 设计创作，主要内容包括：本发明公开了一种基于企业账户的乘车支付方法，包括：企业端接收来自用户终端的发码请求；生成包含企业ID的乘车码并反馈给用户终端；企业端接收后台服务器基于POS端机具对乘车码的验证情况信息进行扣款后返回的扣款情况。本发明将用户终端与企业端关联，在有支付需求时，企业端给用户终端发乘车码，员工只需将乘车码提供给POS端机具，后台服务器会对企业端账户进行扣款。当有报销需求时，企业端与后台服务器直接对接。整个差旅支付及后续报销都非常便捷，无需员工垫付车费，也不用每次索取发票，并且，员工乘车的记录也可以被监控。本发明可以替代人工，提升工作效率。本发明还提供了基于企业账户的乘车支付系统、一种客户端及用户终端。(The invention discloses a riding payment method based on an enterprise account, which comprises the following steps: the enterprise terminal receives a code sending request from the user terminal; generating a riding code containing the enterprise ID and feeding back the riding code to the user terminal; and the enterprise end receives the deduction condition returned by the background server after deducting the verification condition information of the bus code based on the POS end machine. According to the invention, the user terminal is associated with the enterprise terminal, when payment is required, the enterprise terminal sends the bus code to the user terminal, and the employee only needs to provide the bus code to the POS terminal machine, so that the background server can deduct money from the account of the enterprise terminal. When the reimbursement demand exists, the enterprise end is directly connected with the background server in a butt joint mode. The whole travel payment and subsequent reimbursement are very convenient, the staff is not required to pay the bus fee, the invoice is not required to be requested every time, and the bus taking record of the staff can be monitored. The invention can replace manpower and improve the working efficiency. The invention also provides a riding payment system based on the enterprise account, a client and a user terminal.)

1. A bus taking payment method based on an enterprise account is characterized by comprising the following steps:

the enterprise terminal receives a code sending request from the user terminal;

generating a riding code containing the enterprise ID and feeding back the riding code to the user terminal;

and the enterprise end receives a deduction condition returned by the background server after deducting the verification condition information of the riding code based on the POS end machine.

2. A vehicle taking payment method as in claim 1, wherein the code sending request comprises a user ID pre-assigned by the enterprise terminal to the user; correspondingly, before generating the riding code containing the enterprise ID, the method further includes:

and the enterprise terminal carries out validity verification on the user identity according to the user ID, and executes the step of generating the riding code after verifying that the user identity is legal.

3. A vehicle payment method as recited in claim 1, wherein the receiving of the code sending request from the user terminal by the enterprise terminal further comprises: and judging whether the current user meets the preset riding rule rights and interests, and if so, generating a riding code.

4. A vehicle payment method as recited in claim 1, wherein the receiving of the code sending request from the user terminal by the enterprise terminal further comprises: and judging whether the balance of the current enterprise account reaches a preset threshold value, if not, judging whether the current user meets the right of the riding rule, and if so, generating a riding code.

5. A ride payment method according to claim 3 or 4, wherein the ride rules interests comprise a ride number limit, a ride time limit, and a ride amount limit for the user.

6. A ride payment method according to claim 1, further comprising an initialization step comprising: the enterprise terminal is connected with the background server in advance to complete information registration and cost recharging and accept enterprise ID distributed by the background server.

7. A bus taking payment method based on an enterprise account is characterized by comprising the following steps:

the user terminal judges the network condition of the user terminal, and if the user terminal is networked, the user terminal sends a code sending request to the enterprise terminal;

receiving a riding code containing an enterprise ID sent by an enterprise terminal;

and the user terminal requests the POS terminal equipment to verify the riding code.

8. A vehicle payment method according to claim 7, wherein the code sending request comprises a user ID pre-assigned by the enterprise terminal to the user, and the vehicle code is generated by the enterprise terminal after verifying that the user identity is legal based on the user ID.

9. A ride payment method according to claim 7, wherein the determining by the user terminal the own network condition further comprises: and when the vehicle is not networked, requesting the POS terminal device to verify the vehicle code which is cached locally and in advance and contains the enterprise ID.

10. A ride payment method according to claim 9, wherein requesting verification of a locally pre-cached ride code containing a business ID from the POS terminal further comprises: the user terminal judges whether a pre-cached riding code exists locally or whether the pre-cached riding code fails, and if the pre-cached riding code is used up or fails, the user terminal sends a code sending request to the enterprise terminal in a networking state and receives the riding code fed back by the enterprise terminal.

11. A ride payment method according to claim 8, wherein the step of the user terminal determining the network status further comprises: the user terminal judges whether the user terminal meets the right of the riding rule or not, and judges the network condition of the user terminal if the user terminal meets the right of the riding rule; correspondingly, the method also comprises the step of receiving the ride rule right preset and sent by the enterprise terminal before the user terminal judges the network state of the user terminal.

12. The bus taking payment system based on the enterprise account is characterized by comprising an enterprise terminal, a user terminal, a POS terminal machine and a background server, wherein:

the enterprise terminal is used for receiving a code sending request from the user terminal; generating a riding code containing the enterprise ID and feeding back the riding code to the user terminal; receiving a deduction condition returned by the background server after deduction is carried out on the verification condition information of the riding code based on a POS (point of sale) end machine;

the user terminal is used for judging the network condition of the user terminal, and sending a code sending request to the enterprise terminal if the user terminal is networked; receiving a riding code containing an enterprise ID sent by an enterprise terminal; requesting the POS terminal equipment to verify the riding code;

the background server is used for distributing enterprise IDs to the enterprise end, completing a money deduction operation according to received information of the verification condition of the POS end machine on the riding codes and sending the money deduction condition to the enterprise end;

and the POS terminal machine is used for verifying the riding code displayed by the user terminal, and sending the verification condition information to the background server after the verification is passed.

13. A vehicle payment system according to claim 12, wherein the code sending request sent by the user terminal includes a user ID pre-assigned by the enterprise terminal to the user, and the vehicle code generated by the enterprise terminal is generated after the enterprise terminal verifies that the user identity is legal based on the user ID.

14. A vehicle taking payment system as claimed in claim 12, wherein the enterprise terminal is further configured to determine whether the current user satisfies a preset vehicle taking rule right after receiving a code sending request from the user terminal, and if so, generate a vehicle taking code.

15. A vehicle taking payment system as claimed in claim 12, wherein the enterprise terminal is further configured to determine whether the current balance of the enterprise account reaches a preset threshold value after receiving a code sending request from the user terminal, and if not, determine whether the current user meets the vehicle taking rule right, and if so, generate a vehicle taking code.

16. A ride payment system according to claim 14, wherein the ride rules equity pre-set at the enterprise site includes ride times, ride time, and ride amount limits for the user.

17. A vehicle payment system according to claim 12, wherein the enterprise terminal is further configured to connect with a backend server in advance, complete information registration and fee recharging, and accept an enterprise ID assigned by the backend server.

18. A ride payment system in accordance with claim 12, wherein the user terminal is further configured to request verification of a locally pre-cached ride code containing a business ID from the POS terminal device upon determining that the own network condition is not networked.

19. A vehicle payment system according to claim 18, wherein the user terminal is further configured to send a code sending request to the enterprise terminal in a networking state after discovering that the vehicle-taking code cached in advance locally runs out or is invalid, and receive the vehicle-taking code fed back by the enterprise terminal.

20. A ride payment system according to claim 12, wherein the user terminal determines whether the user terminal meets a ride rule interest, and if so, determines the network status of the user terminal, and the ride rule interest is preset by an enterprise terminal and sent to the user terminal.

21. An enterprise side, comprising: code sending module, expense management module, wherein:

the code sending module is used for receiving a code sending request from a user terminal; generating a riding code containing the enterprise ID and feeding back the riding code to the user terminal;

and the fee management module is used for receiving a fee deduction condition returned by the background server after the fee deduction is carried out on the verification condition information of the riding code based on the POS terminal machine.

22. The enterprise as claimed in claim 21, wherein the enterprise further comprises a user center, the user center is configured to obtain an enterprise ID after registering with the backend server, manage enterprise user information, and assign a user ID to the user, and the fee management module is further configured to pre-load the backend server with a value.

23. A user terminal, characterized in that the user terminal comprises:

the judging module is used for judging the network condition of the self-body;

the communication module is used for sending a code sending request and receiving a riding code generated by an enterprise terminal under the networking condition;

a code sending request generating module for generating a code sending request;

the storage module is used for storing the received riding codes;

and the display module is used for requesting the POS terminal equipment to verify the riding code.

24. The user terminal of claim 23, wherein the storage module is configured to receive a user ID assigned by the enterprise terminal, and the code sending request generated by the code sending request generating module at least includes the user ID.

Technical Field

The invention relates to the technical field of mobile payment, in particular to a riding payment method and system based on an enterprise account, an enterprise terminal and a user terminal.

Background

In order to promote good development of economy, the country strongly advocates 'public entrepreneurship and public innovation', newly established enterprises are built like bamboo shoots in the spring after rain, and business staff goes on business, field service and the like, and related traffic charge reimbursement matters are more and more frequent. Because the expense reimbursement needs a corresponding invoice, at present, the passenger expense can only be paid by staff firstly, and then the expense reimbursement is applied to a company after the invoice is required on a bus or a subway station. In view of the characteristics of low public transportation cost, high frequency, troublesome invoice claim and the like, the whole reimbursement process easily consumes a large amount of manpower. In addition, a third party is often lacked to monitor in the business trip process, and the situation of multiple reimbursements cannot be avoided.

In recent years, the public transportation industry has become more and more popular with code-scanning payments. A code scanning payment system generally includes a user terminal (such as a mobile phone) located at a user side and a collection device at a bus or subway gate. The passenger can use client software in the user terminal device to generate a two-dimensional code for the collection device to read, and payment is realized after certain verification. The conventional cash register generally comprises a POS terminal machine (such as a card swiping machine of a bus or a subway gate) for identifying and verifying the two-dimensional code and a background server for completing operations such as deduction, and in some cases, the POS terminal machine and the background server can be integrated together. The mainstream client software supporting the code-scanning riding function on the user terminal comprises a payment treasure, a WeChat and the like, in order to guarantee the user code-swiping boarding experience and accelerate boarding speed, the payment treasure and the WeChat realize 'payment after code-swiping' of the user based on the existing personal account system of the user, namely after the user code-swiping boarding, the riding amount is automatically deducted from the user account, the user does not need to input a payment password, and the riding code-swiping operation steps are reduced. The scheme can improve the efficiency of bus payment, and the client software records the payment time and the corresponding amount after code scanning payment, so that a certain supervision effect can be achieved, and multiple reimbursements are avoided. However, these methods do not fundamentally solve the manual reimbursement mode, and people mostly have fixed thinking, which is considered as financial work, and never consider solving similar problems by technical means. In view of this, it is necessary to provide an intelligent solution to replace manual work and improve work efficiency.

Disclosure of Invention

In view of the above, the present invention has been developed to provide a method and system for corporate account based ride payment that overcomes, or at least partially addresses, the above-identified problems.

In a first aspect, an embodiment of the present invention provides a riding payment method based on an enterprise account, including the following steps:

the enterprise terminal receives a code sending request from the user terminal;

generating a riding code containing the enterprise ID and feeding back the riding code to the user terminal;

and the enterprise end receives the deduction condition returned by the background server after deducting the verification condition information of the riding code based on the POS terminal.

In a second aspect, based on the same inventive concept, an embodiment of the present invention further provides a riding payment method based on an enterprise account, including the following steps:

the user terminal judges the network condition of the user terminal, and if the user terminal is networked, the user terminal sends a code sending request to the enterprise terminal;

receiving a riding code containing an enterprise ID sent by an enterprise terminal;

and the user terminal requests the POS terminal equipment to verify the riding code.

In a third aspect, based on the same inventive concept, an embodiment of the present invention further provides a riding payment system based on an enterprise account, where the system includes an enterprise terminal, a user terminal, a POS terminal, and a background server, where:

the enterprise terminal is used for receiving a code sending request from the user terminal; generating a riding code containing the enterprise ID and feeding back the riding code to the user terminal; receiving a deduction condition returned by the background server after deduction is carried out on the verification condition information of the riding code based on a POS (point of sale) end machine;

the user terminal is used for judging the network condition of the user terminal, and sending a code sending request to the enterprise terminal if the user terminal is networked; receiving a riding code containing an enterprise ID sent by an enterprise terminal; requesting the POS terminal equipment to verify the riding code;

the background server is used for distributing enterprise IDs to the enterprise end, completing a money deduction operation according to received information of the verification condition of the POS end machine on the riding codes and sending the money deduction condition to the enterprise end;

and the POS terminal machine is used for verifying the riding code displayed by the user terminal, and sending the verification condition information to the background server after the verification is passed.

In a fourth aspect, based on the same inventive concept, an embodiment of the present invention further provides an enterprise side, including: code sending module, expense management module, wherein:

the code sending module is used for receiving a code sending request from a user terminal; generating a riding code containing the enterprise ID and feeding back the riding code to the user terminal;

and the fee management module is used for receiving a fee deduction condition returned by the background server after the fee deduction is carried out on the verification condition information of the riding code based on the POS terminal machine.

In a fifth aspect, based on the same inventive concept, an embodiment of the present invention further provides a user terminal, including:

the judging module is used for judging the network condition of the self-body;

the communication module is used for sending a code sending request and receiving a riding code generated by an enterprise terminal under the networking condition;

a code sending request generating module for generating a code sending request;

the storage module is used for storing the received riding codes;

and the display module is used for requesting the POS terminal equipment to verify the riding code.

The technical scheme provided by the embodiment of the invention has the beneficial effects that at least:

according to the invention, the user terminal is associated with the enterprise terminal, when payment is required, the enterprise terminal sends the bus code to the user terminal, and the employee only needs to provide the bus code to the POS terminal machine, so that the background server can deduct money from the account of the enterprise terminal. When the reimbursement demand exists, the enterprise end is directly connected with the background server in a butt joint mode. The whole travel payment and subsequent reimbursement are very convenient, the staff is not required to pay the bus fee, the invoice is not required to be asked every time, the riding record of the staff can be monitored, and the monitoring of the outwork condition of the whole staff is conveniently realized by the enterprise owner. The invention can completely replace manpower, and greatly improves the working efficiency.

Additional features and advantages of the invention will be set forth in the description which follows, and in part will be obvious from the description, or may be learned by practice of the invention. The objectives and other advantages of the invention will be realized and attained by the structure particularly pointed out in the written description and claims hereof as well as the appended drawings.

The technical solution of the present invention is further described in detail by the accompanying drawings and embodiments.

Drawings

The accompanying drawings, which are included to provide a further understanding of the invention and are incorporated in and constitute a part of this specification, illustrate embodiments of the invention and together with the description serve to explain the principles of the invention and not to limit the invention. In the drawings:

fig. 1 is a schematic structural diagram of a bus taking payment system based on an enterprise account according to an embodiment of the present invention;

fig. 2 is an operation timing diagram of a bus taking payment system based on an enterprise account according to an embodiment of the present invention;

fig. 3 is an operation timing diagram of another riding payment system based on an enterprise account according to a second embodiment of the present invention;

fig. 4 is a flowchart of a bus taking payment method based on an enterprise account according to a third embodiment of the present invention;

FIG. 5 is a flowchart illustrating a bus taking payment method based on an enterprise account according to a different situation in step S301 in FIG. three;

FIG. 6 is a schematic structural diagram of an enterprise side according to an embodiment of the present invention;

fig. 7 is a flowchart of another method for payment by bus based on an enterprise account according to a fourth embodiment of the present invention;

fig. 8 is a schematic structural diagram of a user terminal in an embodiment of the present invention.

Detailed Description

Exemplary embodiments of the present disclosure will be described in more detail below with reference to the accompanying drawings. While exemplary embodiments of the present disclosure are shown in the drawings, it should be understood that the present disclosure may be embodied in various forms and should not be limited to the embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the scope of the disclosure to those skilled in the art.

In order to solve the problems of non-intelligent reimbursement and low efficiency of travel expenses in the prior art, the embodiment of the invention provides a riding payment method based on an enterprise account.