Abstract: In order to provide more convenient travel services for China Railway Yintong Card holders and meet the actual needs of the China Railway Group Companies, this paper designed an account online application system of China Railway Yintong Card. The system was equipped with a mobile phone terminal, ticket checking and payment services, operator management terminal, customer service system, and reporting system to complete real-time online payment for ticket checking and boarding. It used authorization request ciphertext verification technology to verify the authenticity of cards, relied on interface idempotency to avoid duplicate transaction risks, and ensured timely processing of deviation type short payments through multiple difference processing technology to ensure the safety of transportation revenue. The system has been applied in some intercity railways and has achieved good application results.