数字人民币乘车码在城市轨道交通中的应用

Research on the Application of E-CNY Boarding Code in Urban Rail Transit

[目的]随着数字人民币(以下简称“数币”)在我国各行各业全面开花,城市轨道交通数币应用场景也逐步丰富,传统上数币在轨道交通仅作为第三方支付应用,功能与支付宝、微信相似。为进一步扩展应用场景,提出使用数币APP(应用软件)直接生成数币乘车码,乘客直接使用数币二维码进出车站,使数币出行场景更便捷。[方法]介绍了城市轨道交通应用场景下的数币支付系统整体架构及各模块功能;介绍了数币二维码设计方案,以及关键业务流程。[结果及结论]采用数币软钱包,并基于数币密钥及地铁密钥两个非对称密钥,同时参考交通部二维码编码格式,生成数币二维码。以数币密钥及地铁密钥为安全保障,明确了APP请码、闸机验码、支付结算等关键业务流程。

[Objective]As in China E-CNY(hereinafter referred to as"digital currency")flourishes in all walks of life,the application scenarios of digital currency in urban rail transit are gradually enriched.Traditionally,digital currency is only used as a third-party payment application in rail transit,with functions similar to those of Alipay and WeChat.In order to further expand the application scenarios,it is proposed to use the digital currency APP(application software)to directly generate the digital currency boarding code,so that passengers can directly use the digital currency QR code to enter and exit the stations,making the digital currency travel scenarios more convenient.[Method]The overall architecture and each module functions of the digital currency payment system in urban rail transit application scenarios are introduced;the digital currency QR code design schemes and key business processes are introduced.[Result&Conclusion]Using digital currency soft wallet,and based on two asymmetric keys,the digital currency key and the subway key,the digital currency QR code is generated with reference to the Ministry of Transport QR code encoding format at the same time.With the digital currency key and the subway key as security guarantees,key business processes such as APP code request,gate code verification,and payment settlement are clarified.