CN101807277A

CN101807277A - Cell phone intelligent wallet consumption bonus point and payment settlement system

Info

Publication number: CN101807277A
Application number: CN201010137430A
Authority: CN
Inventors: 刘明晶; 宋永根
Original assignee: Individual
Current assignee: Individual
Priority date: 2010-03-29
Filing date: 2010-03-29
Publication date: 2010-08-18

Abstract

The invention discloses a cell phone intelligent wallet consumption bonus point and payment settlement system. When the commodity which is accessed to the system is sold, the commodity manufacturer or supplier is required to previously set up the commodity integral rule in the system so as to give the integral profit to the buyer, so the buyer can directly obtain the discount preference on the consumption of the commodity; and at the same time, the payment way which is bond with system, on the basis of ensuring the convenient, instant, safe and rapid service, the commodity consumption money after subtracting the integral discount can be directly settled to a designated account of the commodity manufacturer or the commodity supplier through a professional agency without the intermediate sedimentation of the distributor or the retailers so as to accelerate the capital turnover, so the manufacture or the supplier can directly establish the commodity contact and adhesiveness with the buyers, the value chain of the production - supply - distribution - retail is more reasonable, and the all-win of participants can be realized.

Description

A kind of cell phone intelligent wallet total mark of consumption and payment clearance system

Technical field

The present invention discloses a kind of cell phone intelligent wallet total mark of consumption and payment clearance system.

Background technology

The buyer carries out commodity consumption in retail trader or retailer's appointment place, the integration record that provides by retail trader or retailer, this total mark of consumption generally is to be accumulated to certain amount promptly can exchange the appointment commodity, perhaps converts to the money of certain number, is specifying the place to carry out commodity consumption.The service of existing payment clearance mainly is at retail trader or retailer, collects means of payment usage charges, commodity transaction service charge etc. by professional payment services mechanism to it, and paid payment clearance service is provided.The problem of these services is that the buyer can't obtain the consumption income from commodity itself, same commodity, consumption can be obtained integration in the A market, but consumption does not just have integration in the B market, can't make the buyer set up commodity loyalty, contact directly owing to lacking between buyer and manufacturer or the supplier, that even if the buyer continues, as to repeat a certain commodity of consumption, manufacturer or supplier also can't treat with a certain discrimination the buyer, the commodity price of differentiation is provided, therefore also can't sets up viscosity by between.And manufacturer or supplier are owing to need dependence retail trader or retailer to carry out merchandise sales; can only set up a plurality of intermediate links; the merchandise sales fund is deposited in earlier among retail trader or the retailer account; the capital settlement cycle is long; the goods marketing strategy that is unfavorable for manufacturer or supplier's large-scale development and formulation differentiation, more fearful is retail trader or the problems such as retailer's break, chain debts of taking place between the accounting period.Retail trader or retailer are not light yet, because dog-eat-dog, when being thought of as the buyer payment services of safe and convenient are provided, have to bear costs expenditures such as means of payment usage charges, transaction service charge, under the prerequisite of commodity meagre profit, have increased the cost expenditure again.

Summary of the invention

The objective of the invention is to overcome the above-mentioned deficiency of existing total mark of consumption and the service of payment clearance, and a kind of cell phone intelligent wallet total mark of consumption and the payment clearance system of design, discount money with the predefined commodity integration conversion of buyer's payment deduction system, commodity production merchant or supplier's the account of appointed bank is cleared in net amount, from more helping promoting the buyer to continue consumption and repeat to consume angle that the value chain businessman of feasible production-supply-distribution-retail all acquires an advantage

Groundwork procedure structure of the present invention is seen Fig. 1, realizes by following technical pattern scheme:

1 sets up a cell phone intelligent wallet total mark of consumption and payment clearance system, and this system is achieved as follows major function:

1.1 mobile phone prepackage or air download are installed client-side program;

1.2 mobile phone wireless or 3G communication are by client and system's point-to-point transmission;

1.3 information such as cell-phone customer terminal typing individual name, I.D., bank's card number realize mobile phone and bank's card number binding;

1.4 receive the goods orders information that commercial distribution point terminal or form ordering system send;

1.5 checking comprises the goods orders effectiveness of information of information such as trade company, commodity, quantity, price;

1.6 initiate payment transaction according to the goods orders information of confirming, record order payment processes information;

1.7 obtain Transaction Success/failure information, and send notice to the related side in real time;

1.8 the distribution structure of definition merchandise sales gained fund, promptly according to what kind of ratio to carrying out fund allocation in many ways;

1.9 the process information of the default fund allocation of record;

1.10 for the stakeholder provides the relevant information inquiry.

2 commodity integrating systems mainly are achieved as follows major function:

2.1 system preestablishes differential commodity Integral Rule, as according to commodity consumption time of the act, Location, purchase number of times, accumulated amount etc.;

Adjust 2.2 system carries out personalization at the merchandise sales price, comprise according to the commodity integration and adjusting automatically, and adjust at whole market unified etc.;

2.3 the discount that default commodity integration transforms is greater than the commodity transaction service charge.

3 payment systems mainly are achieved as follows major function:

Realize function 3.1 adopt the existing bank card paying system of Unionpay or bank;

3.2 adopt the existing stored value card payment system of the third-party institution to realize function;

3.3 formulate the service charge standard at the goods orders payment transaction.

4 systems for settling account mainly are achieved as follows major function:

Cut day 4.1 each set time day of trade is carried out system, gather day trade transaction, cut the back day and be time Day Trading;

4.2 settlement fund comprises transaction capital, integration discount, transaction service charge etc., after the amount of money through adding service charge after the transaction capital discount rolled difference, generating debit and credit's clearance rolled poor net amount;

4.3 designated workday (as T+1), generates the clearance accounting checking file that comprises transaction capital, integration discount, service charge, actual delivery price etc. according to the distribution structure of definition, checks account respectively with the related side;

After 4.4 accounting checking is finished, according to commodity actual delivery price gather, the commodity transaction service charge gathers the fund bank settlement account of appointment of transferring respectively;

4.5 because of repeating to withhold or the monolateral mistake transaction of withholing, provide and transfer the account table, after checking affirmation, carry out mistake and handle.

Description of drawings

Fig. 1 is a system construction drawing of the present invention;

Fig. 2 is a system works sequential chart of the present invention;

Embodiment

The groundwork flow process of this system, see that Fig. 2 comprises:

1 set-up procedure:

1.1 system generates client-side program, and is installed in buyer's mobile phone, system and cell-phone customer terminal are realized wireless telecommunications directional transmissions information;

1.2 system by client records buyer personal information, realizes the binding of mobile phone and bank card or stored value card;

1.3 setting up information transmission with commercial distribution point terminal or form ordering system, system is connected;

1.4 system preestablishes different commodity rules, comprises commodity integration, preferential, the clearance service regulation of price;

1.5 the transaction service charge ratio of system definition merchandise sales gained fund.

2 sales processs:

2.1 system receives the goods orders information of commercial distribution point terminal or form ordering system transmission;

2.2 system verification comprises the goods orders effectiveness of information of information such as trade company, commodity, quantity, price;

2.3 commodity actual delivery price is calculated according to commodity Integral Rule, transaction service charge ratio by system;

2.4 system sends goods orders payment affirmation information to buyer's cell-phone customer terminal;

2.5 system after the buyer confirms the goods orders payment information, initiates payment transaction by client input password.

3 payment process:

3.1 the systematic connection payment system, record goods orders payment processes information;

3.2 system after payment transaction is finished, obtains Transaction Success/failure notification message, and sends notice to the related side in real time.

4 clearance processes:

4.1 the systematic connection system for settling account, the process information of the default clearance of record service regulation;

4.2 system after the clearance service is finished, obtains clearance information notice, for the related side provides the relevant information inquiry.

Below in conjunction with concrete application implementation for example:

One of implementation example, on-the-spot pattern, promptly the buyer is to the merchandise sales point, the on-the-spot free choice of goods, after determining goods orders information by cashier terminal (can be mobile phone) items scanning bar code,, realize commodity consumption with system's point-to-point transmission with above-mentioned service function.

Two of implementation example, remote mode, the merchandise sales website is landed in buyer online, and the online free choice of goods by after selling web station system and determining goods orders information, with the system's point-to-point transmission with above-mentioned service function, realizes commodity consumption.

Three of implementation example: Move Mode, the buyer on the way obtains merchandise sales information, after the definite goods orders information of cell-phone customer terminal input merchandise news inquiry, with the system's point-to-point transmission with above-mentioned service function, realizes commodity consumption.

Four of implementation example: proxy mode, the buyer obtains merchandise sales information from the Agency, need not on-the-spotly buy or shopping on net, only need inform commission merchant's purchasing demand, with the system's point-to-point transmission with above-mentioned service function, realizes commodity consumption.

Applicating example:

Applicating example one, some has high brand surcharge, and as famous brand tobacco and wine, clock and watch, jewelry, implement native system and can get in touch with high-end customer foundation effectively, thus the viscosity of foundation.

Applicating example two, some more lasting consumption and the commodity that repeat to consume as beverage, bath article, are implemented native system and can be treated with a certain discrimination the buyer effectively, and the commodity price of differentiation is provided.

Applicating example three, the demanding commodity of some prestige as milk powder, are implemented native system and can be controlled the transaction payment risk effectively, strengthen retail trader/retailer's management, guarantee commercial quality.

Applicating example four, the commodity that some zone price difference is bigger as household electrical appliances, are implemented native system and can be controlled retail trader/retailer area string goods, reinforced region management, control merchandise valuation effectively.

Applicating example five, some, is implemented native system and can cut down the number of intermediate links effectively as selling articles for use directly to households the demanding commodity of money collecting, shortens the capital settlement cycle greatly.

Applicating example six, the commodity of some frequent sales promotion as clothes, leather shoes, are implemented native system and can be carried out the association sale effectively, obtain more sales promotion incomes.

Applicating example seven, some is applicable to the commodity of the shopping of flowing, as rechargeable card, some card, the enforcement native system can provide whenever and wherever possible effectively, conveniently service.

Applicating example eight, some is applicable to the commodity that the member consumes, implementing native system can make the member set up commodity loyalty effectively for the member provides more integration preferential.

Claims

1. cell phone intelligent wallet total mark of consumption and payment clearance system, it is characterized in that described system preestablishes differential commodity Integral Rule, the price preferential rule, the clearance service regulation, after system receives goods orders information, calculate the preferential commodity price that the buyer should enjoy by rule, finish the payment for goods payment by the existing ripe payment system of buyer's handset binding again, at last payment for goods is cleared commodity production merchant or supplier's the account of appointed bank by regular net amount, from more helping promoting the buyer to continue to consume and repeat to consume angle, make the value chain businessman of production-supply-distribution-retail all acquire an advantage, this system comprises:

(1) system preestablishes differential rule, how the commodity integration that definition manufacturer or supplier provide in the commodity integrating system is converted into preferential commodity price when the buyer consumes, and appointed bank's account of how manufacturer or supplier are directly cleared in payment for goods;

(2) system receives goods orders information, and the buyer can generate a goods orders behind selected commodity, and handle according to preset rules the errorless back of system verification;

(3) system sends goods orders information and notifies the buyer, utilizes the mobile phone initiation of installation system client-side program to bind the payment transaction of bank card or stored value card;

(4) system receives the payment transaction object information that the payment system returns, and sends notice to the related side in real time;

(5) system receives the fund clearing information that system for settling account is returned, and the record payment for goods is according to the disposition of preset rules.

2. a kind of cell phone intelligent wallet total mark of consumption according to claim 1 and payment clearance system is characterized in that preestablishing different commodity rules by system before the merchandise sales, comprising:

(1) system is worth different meter commodity integrations according to consumer behavior time, Location, purchase number of times, accumulated amount etc.;

(2) system is preferential according to commodity integration, payment transaction service charge calculating merchandise valuation;

(3) system region divides manufacturer or supplier deserved commodity payment for goods, the deserved service charge of payment clearance service organization, carries out different fund clearing accounting checking.

3. a kind of cell phone intelligent wallet total mark of consumption according to claim 1 and payment clearance system is characterized in that receiving and confirming to contain by system comprising the goods orders information of rich content:

(1) system receives the goods orders information of commercial distribution point terminal or form ordering system transmission;

(2) system verification comprises the goods orders effectiveness of information of information such as trade company, commodity, quantity, price.

4. a kind of cell phone intelligent wallet total mark of consumption according to claim 1 and payment clearance system is characterized in that confirming and reception goods orders payment information by a concentrated mobile phone client program, comprising:

(1) system and the wireless telecommunications of buyer's cell-phone customer terminal, real-time Transmission goods orders information;

(2) system realizes the binding of mobile phone and bank card or stored value card by client;

(3) system initiates payment transaction by client after the buyer confirms goods orders information.

5. a kind of cell phone intelligent wallet total mark of consumption according to claim 1 and payment clearance system is characterized in that payment has security and trackability to guarantee, comprising:

(1) system's realization bank card or stored value card and password separated transmission, point-to-point transmission payment information;

(2) the existing ripe payment services system of systematic connection, record order payment processes information;

(3) system obtains Transaction Success/failure notification message after payment transaction is finished, and sends notice to the related side in real time.

6. according to claim 1ly carry out the system of commodity integration and payment clearance, it is characterized in that from the bank settlement angle buyer's once payment realizes clearing in many ways simultaneously, comprising by the cell phone intelligent wallet:

(1) the existing ripe system for settling account of systematic connection, the process information of record preset rules;

(2) the systemic presupposition rule mainly is the net amount fund clearance of paying to manufacturer/supplier;

(3) the systemic presupposition rule mainly is to the payment clearance service organization service charge clearance of concluding the business.