CN103246979A - Economical mobile payment method - Google Patents
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- CN103246979A CN103246979A CN2013101820041A CN201310182004A CN103246979A CN 103246979 A CN103246979 A CN 103246979A CN 2013101820041 A CN2013101820041 A CN 2013101820041A CN 201310182004 A CN201310182004 A CN 201310182004A CN 103246979 A CN103246979 A CN 103246979A
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Abstract
The invention discloses an economical mobile payment method. The economical mobile payment method is based on the mobile payment application of a mobile terminal, and comprises the following steps of: 1, acquiring and updating the current promotional information of each local commercial tenant in real time in an Internet cloud searching way by using a server corresponding to the mobile payment application; 2, during the consumption of a user with the mobile terminal at the commercial tenant, sensing the consumption place or situation of the user according to information about commodity to be purchased by the user by using the mobile terminal; and 3, screening an economical consumption mode consistent with the consumption place or situation sensed in the step 2 by combining the promotional information acquired in the step 1 on the mobile terminal, and prompting the economical consumption mode to the user, wherein the economical consumption mode is a cheaper mode for the user to finish the consumption through various virtual accounts. According to the technical scheme, new functions of intelligently searching for and screening the promotional information, intelligently judging the consumption place or situation and automatically prompting the optimized promotional information to a consumer for reference are endowed to the conventional mobile payment platform, and an intelligent, convenient and effective way is provided for the cost saving of the consumer.
Description
Technical field
The present invention relates to a kind of mobile payment service platform, relating in particular to a kind of is carrier with the portable terminal, according to providing of consumption scene method of payment Automatic Optimal, that save money.
Background technology
Along with rapid development of economy, the commercial consumption situation progressively takes a turn for the better, gos up, and increasing consumption pattern is accepted by people.In carrying out the commercial consumption activity, people tend to by various forms, a feast for the eyes commodity institute dazzled, save money and ignored to pursue.But in numerous processs of consumption, realizing saving money is one of important goal of most consumers, can buy inexpensive commodity or other consumption experience, will make consumer (user) obtain more enjoyment.And buying after the rate of exchange obtain the result of " buying sth. much too dear " behind the article as people, will have a strong impact on mood.
Mobile payment is current a kind of relatively noveler consumption pattern, because outstanding convenience, security make it be able to popularization at full speed.Generally under difference consumption place or situation without privileges, the margin of preference to be arranged just be different to same commodity.And these favor informations are difficult to learn under common mobile payment.And the data volume of various favor informations is huge, brings favor informations such as people browse, screening from the burden of choosing.Even that is to say favor information, also can allow the consumer lose therein, influence consumption efficiency.
Summary of the invention
The present invention is directed to the active demand of above-mentioned mobile payment, proposed a kind of economical type method of mobile payment, in the hope of a kind of consumption experience that provides intelligent and high-efficiency to save money according to the consumption scene is provided.
Above-mentioned purpose of the present invention, it realizes that technical scheme is: a kind of economical type method of mobile payment, use based on the mobile payment that portable terminal is set, it is characterized in that comprising:
S1, favor information cloud acquisition step: corresponding server gathered and upgraded all kinds of trade companies of there and then in real time by internet cloud way of search favor information is used in described mobile payment;
S2, scene perception step: the user holds portable terminal to trade company and consumes, and portable terminal desires to purchase consumption place or the situation at merchandise news perception user place according to the user;
S3, favor information screening and remind step: draw the economical consumption pattern that meets consumption place among the S2 or situation and point out the user in conjunction with favor information screening among the S1 on portable terminal, described economical consumption pattern is finished a kind of mode relatively cheap in the consumption for the user by the various virtual accounts of mobile payment applications exploiting.
Further, various virtual accounts described in the step S3 by application scenarios divide comprise be associated with supplementing with money under " my cash ", withdraw deposit, remaining sum; Account number under " I will pay the bill " is paid, bar code is paid, pat pay, swagger pay, sound wave is paid, is preengage and pays, guarantee is paid; Account number under " I will collect money " is received, bar code is received, swagger receipts, sound wave is received, reservation is received; Water under " life is paid the fees ", electricity, combustion gas, TV, fixed line, mobile phone, broadband, pay forfeit money; Cash certificate, reward voucher, integration under " my reward voucher "; Bank's debit card under " my card ", bank card, purchase card, member card, gate inhibition's card, all-purpose card, citizen's card, NFC card, SIM card; Q coin under " virtual coin ", the card of game points; Bus ticket among " ticket ", train ticket, air ticket, film ticket, lottery ticket; The various account numbers of the fund under " financial product ", insurance, financing.
Further, in the economical consumption pattern of portable terminal prompting ordering more than two, select one and go for the user among the step S3.
Further, described economical consumption pattern is the favor information set of corresponding consumption place or situation, and described favor information set comprises one or more combination of discount information, modes of payments discount information, ginseng group discount information, commercial circle, trade company place discount information in limited time.
Further, top set arranges fixing 3-5 bar favor information in the mobile payment of portable terminal is used.
Further, top set arranges the 3-10 bar favor information of circulating rolling in the mobile payment of portable terminal is used.
Use the economical type method of mobile payment of the present invention, it possesses outstanding advantage to compare to traditional mobile payment technical scheme: given intelligent collection, screening favor information at original mobile payment platform, favor information after intelligent decision consumption place or situation and automatic prompting are optimized is for the innovative function of consumer's reference, provide a wisdom, effective way easily for the consumer reduces expenses, the mobile payment that has promoted the user is experienced.
Embodiment
Along with the rapid emergence of generation information technology such as mobile Internet, cloud computing and Internet of Things, innovative information technology and means constantly incorporate all trades and professions.New opportunity has been brought for the informationalized development of city commercial in the wisdom city virtual " card " that incorporates advanced theory and technological innovation, mobile service platform will play positive facilitation to daily personal consumption activity, provide mobile payment great convenience.
On this basis, the present invention proposes a kind of economical type method of mobile payment, in the hope of a kind of consumption experience that provides intelligent and high-efficiency to save money according to the consumption scene is provided.
Set mobile payment application realizes that it comprises following three key steps to technical scheme of the present invention based on portable terminal.
S1, favor information cloud acquisition step: corresponding server gathered and upgraded all kinds of trade companies of there and then in real time by internet cloud way of search favor information is used in this mobile payment.Utilizing current ripe relatively mobile Internet, cloud computing in this step is the Internet of Things information processing technology and realizing.As the bridge of those favor informations and portable terminal, the present invention utilizes mobile payment to use corresponding server, in conjunction with current state-of-the-art internet cloud, provides very important system-level hardware foundation to the optimum management of favor information.Above-mentioned favor information comprises discount information, modes of payments discount information, ginseng group's discount information and commercial circle, trade company place discount information in limited time at least
S2, scene perception step: the user holds portable terminal to trade company and consumes, and portable terminal desires to purchase consumption place or the situation at merchandise news perception user place according to the user.In conjunction with the positioning function of portable terminal with desire to purchase the bar code information of commodity, the mobile payment of portable terminal is used can identify current consumption place or situation automatically, for the screening of consumption and payment mode provides necessary condition.
S3, favor information screening and remind step: draw the economical consumption pattern that meets consumption place among the S2 or situation and point out the user in conjunction with favor information screening among the S1 on portable terminal, this economical consumption pattern is finished a kind of mode relatively cheap in the consumption for the user by the various virtual accounts of mobile payment applications exploiting.Wherein various virtual accounts by application scenarios divide comprise be associated with supplementing with money under " my cash ", withdraw deposit, remaining sum; Account number under " I will pay the bill " is paid, bar code is paid, pat pay, swagger pay, sound wave is paid, is preengage and pays, guarantee is paid; Account number under " I will collect money " is received, bar code is received, swagger receipts, sound wave is received, reservation is received; Water under " life is paid the fees ", electricity, combustion gas, TV, fixed line, mobile phone, broadband, pay forfeit money; Cash certificate, reward voucher, integration under " my reward voucher "; Bank's debit card under " my card ", bank card, purchase card, member card, gate inhibition's card, all-purpose card, citizen's card, NFC card, SIM card; Q coin under " virtual coin ", the card of game points; Bus ticket among " ticket ", train ticket, air ticket, film ticket, lottery ticket; The various account numbers of the fund under " financial product ", insurance, financing etc.
Further refinement and optimization as technique scheme.In the economical consumption pattern of portable terminal prompting ordering more than two, select one and go for the user among the step S3.The selectivity that this mode provides the user to save money avoids consuming the particular limitations of scene.For example: when needs are gone on business to the somewhere, strange land, because the mode that the diversity of the vehicles originally can be selected is more, but also there are differences because the arrival of the various vehicles is ageing, therefore need in this modes of payments, provide many orderings and alternative mode, and for the fundamental purpose of saving money, the virtual payment account mode that the present invention utilizes various favor informations that different vehicles screenings are saved money the most, for reference.Can be implemented in thus to satisfy under the prerequisite that the user arrives timeliness and save money as much as possible.
Further, above-mentioned economical consumption pattern is the favor information set of corresponding consumption place or situation, i.e. one or more combination of discount information, modes of payments discount information, ginseng group discount information, commercial circle, trade company place discount information in limited time.
As prioritization scheme further again, top set arranges the 3-10 bar favor information of fixing 3-5 bar favor information or circulating rolling in the mobile payment of portable terminal is used.Can also provide the user more economical merchandise news acquiring way on the other hand so that the user is carrying out the interest that boosts consumption when mobile payment is used on the one hand.
Use the economical type method of mobile payment of the present invention, it possesses outstanding advantage to compare to traditional mobile payment technical scheme: given intelligent collection, screening favor information at original mobile payment platform, favor information after intelligent decision consumption place or situation and automatic prompting are optimized is for the innovative function of consumer's reference, provide a wisdom, effective way easily for the consumer reduces expenses, the mobile payment that has promoted the user is experienced.
Claims (6)
1. an economical type method of mobile payment is used based on the mobile payment that portable terminal is set, it is characterized in that comprising:
S1, favor information cloud acquisition step: corresponding server gathered and upgraded all kinds of trade companies of there and then in real time by internet cloud way of search favor information is used in described mobile payment;
S2, scene perception step: the user holds portable terminal to trade company and consumes, and portable terminal desires to purchase consumption place or the situation at merchandise news perception user place according to the user;
S3, favor information screening and remind step: draw the economical consumption pattern that meets consumption place among the S2 or situation and point out the user in conjunction with favor information screening among the S1 on portable terminal, described economical consumption pattern is finished a kind of mode relatively cheap in the consumption for the user by the various virtual accounts of mobile payment applications exploiting.
2. economical type method of mobile payment according to claim 1 is characterized in that: various virtual accounts described in the step S3 by application scenarios divide comprise be associated with supplementing with money under " my cash ", withdraw deposit, remaining sum; Account number under " I will pay the bill " is paid, bar code is paid, pat pay, swagger pay, sound wave is paid, is preengage and pays, guarantee is paid; Account number under " I will collect money " is received, bar code is received, swagger receipts, sound wave is received, reservation is received; Water under " life is paid the fees ", electricity, combustion gas, TV, fixed line, mobile phone, broadband, pay forfeit money; Cash certificate, reward voucher, integration under " my reward voucher "; Bank's debit card under " my card ", bank card, purchase card, member card, gate inhibition's card, all-purpose card, citizen's card, NFC card, SIM card; Q coin under " virtual coin ", the card of game points; Bus ticket among " ticket ", train ticket, air ticket, film ticket, lottery ticket; The various account numbers of the fund under " financial product ", insurance, financing.
3. economical type method of mobile payment according to claim 1 is characterized in that: in the economical consumption pattern of portable terminal prompting ordering more than two, select one and go for the user among the step S3.
4. according to claim 1 or 3 described economical type method of mobile payment, it is characterized in that: described economical consumption pattern is the favor information set of corresponding consumption place or situation, and described favor information set comprises one or more combination of discount information, modes of payments discount information, ginseng group discount information, commercial circle, trade company place discount information in limited time.
5. economical type method of mobile payment according to claim 1 is characterized in that: top set arranges fixing 3-5 bar favor information in the mobile payment of portable terminal is used.
6. economical type method of mobile payment according to claim 1 is characterized in that: top set arranges the 3-10 bar favor information of circulating rolling in the mobile payment of portable terminal is used.
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| CN2013101820041A CN103246979A (en) | 2013-05-17 | 2013-05-17 | Economical mobile payment method |
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| CN2013101820041A CN103246979A (en) | 2013-05-17 | 2013-05-17 | Economical mobile payment method |
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Cited By (14)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103942710A (en) * | 2014-04-16 | 2014-07-23 | 深圳汇费通科技有限公司 | Automatic discount reminding system for clients and implementation method of automatic discount reminding system for clients |
| CN104200360A (en) * | 2014-09-04 | 2014-12-10 | 深圳市腾讯计算机系统有限公司 | Information process method, system and terminal |
| CN104573934A (en) * | 2014-12-25 | 2015-04-29 | 上海微肯网络科技有限公司 | Service information acquisition system and method for cloud service card |
| CN104636918A (en) * | 2015-02-27 | 2015-05-20 | 深圳市中兴移动通信有限公司 | Payment application management method and mobile terminal |
| CN104732383A (en) * | 2013-12-23 | 2015-06-24 | 华为技术有限公司 | Transaction method, device and system based on electronic purse |
| CN104978658A (en) * | 2015-06-18 | 2015-10-14 | 惠州Tcl移动通信有限公司 | Bus service system based on geographic positions and implementation method of bus service system |
| CN105354709A (en) * | 2015-10-15 | 2016-02-24 | 百度在线网络技术（北京）有限公司 | Showing method and device of resource object |
| CN106874304A (en) * | 2015-12-14 | 2017-06-20 | 阿里巴巴集团控股有限公司 | Pay the information displaying method and system on the page |
| CN107423969A (en) * | 2017-07-05 | 2017-12-01 | 佛山杰致信息科技有限公司 | A kind of intelligence based on different trade companies pays mobile terminal |
| CN108681916A (en) * | 2018-04-23 | 2018-10-19 | 广东奥园奥买家电子商务有限公司 | A kind of intelligent marketing method based on payment terminal POS machine |
| CN108734460A (en) * | 2018-04-02 | 2018-11-02 | 阿里巴巴集团控股有限公司 | A kind of means of payment recommends method, apparatus and equipment |
| CN109146557A (en) * | 2018-07-31 | 2019-01-04 | 薛红帅 | A kind of network marketing system |
| CN109313730A (en) * | 2016-04-28 | 2019-02-05 | 维萨国际服务协会 | System and method for motivating transaction |
| CN112819508A (en) * | 2019-09-16 | 2021-05-18 | 口碑(上海)信息技术有限公司 | Electronic resource allocation method and device |
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Cited By (19)
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| US10600049B2 (en) | 2013-12-23 | 2020-03-24 | Huawei Technologies Co., Ltd. | Digital wallet-based transaction method, apparatus, and system |
| CN104732383A (en) * | 2013-12-23 | 2015-06-24 | 华为技术有限公司 | Transaction method, device and system based on electronic purse |
| CN103942710A (en) * | 2014-04-16 | 2014-07-23 | 深圳汇费通科技有限公司 | Automatic discount reminding system for clients and implementation method of automatic discount reminding system for clients |
| CN104200360B (en) * | 2014-09-04 | 2017-02-01 | 深圳市腾讯计算机系统有限公司 | Information process method, system and terminal |
| CN104200360A (en) * | 2014-09-04 | 2014-12-10 | 深圳市腾讯计算机系统有限公司 | Information process method, system and terminal |
| CN104573934A (en) * | 2014-12-25 | 2015-04-29 | 上海微肯网络科技有限公司 | Service information acquisition system and method for cloud service card |
| CN104573934B (en) * | 2014-12-25 | 2017-11-03 | 上海微肯网络科技有限公司 | Cloud service card service information acquisition system and method |
| CN104636918B (en) * | 2015-02-27 | 2017-06-16 | 努比亚技术有限公司 | Pay the management method and mobile terminal of application |
| CN104636918A (en) * | 2015-02-27 | 2015-05-20 | 深圳市中兴移动通信有限公司 | Payment application management method and mobile terminal |
| CN104978658A (en) * | 2015-06-18 | 2015-10-14 | 惠州Tcl移动通信有限公司 | Bus service system based on geographic positions and implementation method of bus service system |
| CN105354709A (en) * | 2015-10-15 | 2016-02-24 | 百度在线网络技术（北京）有限公司 | Showing method and device of resource object |
| CN106874304A (en) * | 2015-12-14 | 2017-06-20 | 阿里巴巴集团控股有限公司 | Pay the information displaying method and system on the page |
| CN109313730A (en) * | 2016-04-28 | 2019-02-05 | 维萨国际服务协会 | System and method for motivating transaction |
| CN107423969A (en) * | 2017-07-05 | 2017-12-01 | 佛山杰致信息科技有限公司 | A kind of intelligence based on different trade companies pays mobile terminal |
| CN108734460A (en) * | 2018-04-02 | 2018-11-02 | 阿里巴巴集团控股有限公司 | A kind of means of payment recommends method, apparatus and equipment |
| CN108681916A (en) * | 2018-04-23 | 2018-10-19 | 广东奥园奥买家电子商务有限公司 | A kind of intelligent marketing method based on payment terminal POS machine |
| CN109146557A (en) * | 2018-07-31 | 2019-01-04 | 薛红帅 | A kind of network marketing system |
| CN112819508A (en) * | 2019-09-16 | 2021-05-18 | 口碑(上海)信息技术有限公司 | Electronic resource allocation method and device |
| CN112819508B (en) * | 2019-09-16 | 2024-04-16 | 口碑(上海)信息技术有限公司 | Electronic resource allocation method and device |
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