CN105023149A - Method for realizing off-line cashing diversified settlement and payment management, and payment management system - Google Patents
Method for realizing off-line cashing diversified settlement and payment management, and payment management system Download PDFInfo
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/20—Point-of-sale [POS] network systems
- G06Q20/202—Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/20—Point-of-sale [POS] network systems
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/20—Point-of-sale [POS] network systems
- G06Q20/208—Input by product or record sensing, e.g. weighing or scanner processing
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07G—REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
- G07G1/00—Cash registers
- G07G1/12—Cash registers electronically operated
- G07G1/14—Systems including one or more distant stations co-operating with a central processing unit
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Abstract
The invention relates to a method for realizing off-line cashing diversified settlement. The implementation basis of the method is an intelligent POS machine system. Essentially, the method is implemented by a micro-processing terminal and an intelligent management module. All cashing modes are included, and fully-functional finance processing and expansion functions are also provided. The method comprises the following implementation steps of: (1) entering transaction information; (2) selecting a settlement mode; (3) carrying out connection with a channel of a cloud storage platform and realizing settlement mode preparation; (4) starting the selected settlement mode and editing a settlement request message; (5) uploading the settlement request message; (6) enabling a consumer to affirm feedback information; and (7) printing and storing a settlement voucher.
Description
Technical field
Method provided by the invention relates in commercial distribution, particularly complete the occasion of settlement of transactions under line.
Background technology
Internet technology develop rapidly current, not only traditional business model is faced with impact, settles accounts channel and also face huge challenge in traditional business model operation process.Even the substandard special POS of the mature Unionpay of industry also cannot tackle complicated situation day by day.Conventional P OS machine has not had ability to come the compatible business settlement mode that emerges along with the spring tide fast development of financial reform and various finance services payment mode by simple transformation because of the simplification of its functional limitation, interfacial structure.Modern commerce clearing voucher, define a hundred flowers contend in beauty situation.Voucher of clearing used all needs to be detected by the close scrutiny of silver-colored administrative authority, security, and be furnished with strict company standard.The narrow examination in use voucher dropping into commercial operation all adopted, check, identifying procedure, to ensure the safety of settlement process.Meanwhile, also result in the confusion of the numerous and diverse of businessman's cash register and operation service.Carry out unifying, to transform faced one easily difficult.Trace it to its cause, the closure of financial terminal equipment and intelligent terminal specificity and internet coexist, share, chiasmate exists deep contradiction.So in the field of circulation, particularly retail trade company and consumer urgently wish to realize regular way settlement on same place and equipment, and need not consider whether the accounts of finance voucher oneself held can be general.
In existing off-line transaction, clearing form totally can be divided into cash (comprising purchase card), interchanger and Third-party payment.So-called Third-party payment typically refers to and uses the payment voucher of the financial institution beyond Unionpay's standard to settle accounts.How by the cash register operation that intelligentized management and then realize is planned as a whole, or by means of independently cash register, any modes of payments is processed.Become visitor's topic noticeable in circulation industry.
In addition, at present, payment gathering mode mainly contains bank card and swipes the card, claps card, plug-in card gathering, third party's account without card gathering, cash gathering, Quick Response Code payment, the even multiple gathering mode such as light wave, sound wave payment, and traditional POS can realize paying, but it utilizes bank card to swipe the card payment, and payment process is as follows:
When client (bank card Zhi Youzhe) needs to be paid by POS, POS holder (trade company) needs to carry out basic setting, as payment to the information of transaction in POS.
Bank card is swiped the card by client in POS, and inputs the payment cipher of bank card.
POS generates disbursement account single-shot and delivers to Unionpay, and Unionpay realizes paying by bank, and returns payment result to POS, prints authority, completes payment.
At present, POS is different according to the mode reading bank card, be divided into different POS, as the POS using the most general employing card reader to read interchanger or credit card at present, the structure of card reader is different, as swipe the card, clap card, plug-in card etc. also just have different POS, in addition, adopt third party's account to need to adopt different cash receiving terminals without card gathering, cash gathering, Quick Response Code payment, the even multiple gathering mode such as light wave, sound wave payment, and cash receiving terminals all at present does not also possess the function managed client yet.The requirement of current trade company to payment system can not be met.Particularly current more and more higher to customer account management requirement, such as different clients has different preferential amounts etc., when current POS is collected money, is difficult to the management realizing these preference scheme.
Summary of the invention
The present invention proposes a kind of method being adapted to realize under multiple settlement mode standardization clearance.The intelligent settlement terminal equipment formed is guided to contribute to various, the problem that running program is loaded down with trivial details of change equipment by means of method.By means of the mass memory of cloud storage platform and the certification of intelligent management module with call public resource and can realize cash register diversification clearing under line easily.
The present invention is based on the CPU (central processing unit) including in the structure of POS and be equipped with intelligent management module.System comprises transmission module, selected cloud storage platform and setting data communication interface module on diversification voucher of clearing information acquisition module and clearing message, the communication protocol module supporting with settlement mode, message editing module and settlement mode execution route reminding module, gating display screen administration module, operation keyboard module, intermediate store and document of settlement output module.
The concrete execution step of this method comprises:
1) Transaction Information typing: comprise system host start and Transaction Information typing and by intelligent management module (2) be organized into comprise product specification detail, unit price, turnover transaction request form, gating display screen display and dump enter intermediate store (3), by intelligent management module (2) propose trade mode selection;
2) gating settlement mode: clearing form that can be compatible by native system is presented on gating display screen with tabulation, adopt and touch gating decision settlement mode selection and point out standardized operation information on gating display screen, enter standby condition according to system after information operation;
3) passage of cloud storage platform is connected, realize settlement mode to prepare: operate to corresponding storage area in benchmark, cloud storage platform with selected settlement mode and set up communication link to system intermediate store (3), random call selectes the protocol conventions data of registration authentication data, the operating support data of program and this transaction relevant channels under settlement mode;
4) start selected settlement mode, compile clearing request message: from intelligent management module (2), select the submodule corresponding with selected settlement mode enter operation, gather the communication link of authentication result, the code of extraction voucher of clearing, simultaneously gating and sorting center; Edit step comprises the extraction of payment voucher code, the confirmation of Send only Account code and standardization, the checking of preferential arrangement information, and is formed settle accounts request message by intelligent management module (2) after being edited;
5) upload clearing request message: intelligent management module (2) is by the message of clearing request, and the communication modes through system-specific is sent to sorting central host, wait for the request clearing further identification of message and the feedback information of process:
6) consumer is to feedback information identification: intelligent management module (2) will assert that the clearance Message processing of feedback becomes the final settlement information of knot to be presented on gating display screen, and consumer is with this settlement of transactions stipulated form input validation information in prompting, uploads simultaneously;
7) printing and the storage of document is cleared: after intelligent management module (2) receives the information of sorting center " Transaction Success ", the storer that extraction relevant information, printing transaction voucher, stored transaction process record are being specified, and in gating display screen display.
Below the concrete steps of above method are further explained.
Intelligent management module (2) structure comprises interchanger settlement submodule (2-1), third party's settlement submodule (2-2), prepaid card settlement submodule (2-3); Settlement data record collection module (2-4); Editor's message module (2-5); Authorized administrator is deleted, add, modified module (2-6); Corresponding settlement module is restarted after specifically starting corresponding module according to the settlement mode of user's selection or starting necessary amendment.
Gating display screen administration module (8) structure comprises schedule of dealing submodule (8-1), transaction payment model selection table submodule (8-2), selects settlement mode operation steps prompting submodule (8-3); Above information can concentrate multi-section display on a display screen, or subitem full screen display.
Realize settlement mode in above step 3) to prepare to comprise payment subschema validation, pay subset formation and two stages:
1) first stage payment channel configuration: the payment channel under the clearance pattern chosen is configured according to the data protocol of standard;
Resolve to first stage settlement information with to the communications protocol under this trade mode, realize docking of settlement information and settlement mode, and extract this dealing money, evidence for payment code, gathering trade company code, then organizes packet encryption and becomes to meet the packet storage of the standard of this transaction and clearing form in intermediate store (3);
2) formation of this tally order subset of subordinate phase:
Extraction standard clearing message, adds the pass phrase key of the IP address comprising settlement terminal, editor collect become under this settlement mode execution subset of instructions, be stored in intermediate store (3);
Third party's settlement submodule (2-2) structure comprises by Quick Response Code as the Alipay ledger module of voucher of clearing and the wing payment and settlement sub-module implementing clearing by Quick Response Code or NFC.
Include in prepaid card settlement submodule (2-3) under this settlement mode execution subset of instructions, when startup prepaid card settlement submodule (2-3) and checking registration card number, hair fastener unit, consumer record remaining sum for this consumer requests be legal, effectively afterwards at once start.
On gating display screen, prompting standardization settlement operations information comprises:
The payment voucher of the settlement mode a. selected by you is: interchanger, Quick Response Code, cursor code IC-card, wing payout figure information, bar code information,
B. please injecting " yes " by arranging after selected voucher of clearing kind in parantheses, then inputting “ ↙ " order,
C. confirm that Transaction Information please defeated (taking the photograph) enter to settle accounts key.
The information acquisition circuit interface matched under wanting this settlement mode of first gating and voucher of clearing's information acquisition module (11) to manage during the code of the extraction voucher of clearing of this method step 4).
Information acquisition circuit interface under voucher of clearing's information acquisition module (11) management comprises: interchanger special purpose interface (11-1), Quick Response Code absorption interface (11-2), cursor code recognition interface (11-3), IC-card read in interface (11-4), authorized administrator ID (identity number) card reads in interface (11-i), wing payout figure information interface, bar code information interface.
Authorized administrator is deleted, add, modified module (2-6) structure comprises the identity of keeper and the identification submodule of authority.
Settle accounts single-mode under beneficial effect after this method enforcement is end lines, become the comprehensive clearing situation of diversification, to be adapted to the needs of the field of circulation.
Need ben, the key of this method arranges intelligent management module under microprocessing unit.Expand the function of conventional P OS machine whereby.Under can be implemented in PC, panel computer, traditional pos machine or other underlying hardware conditions; Form independently cash register.Such as intelligence pays box etc., and intelligence pays box in use, only it need be connected respectively Intelligent management module with conventional P OS machine or the intelligent terminal such as PC or panel computer, can perform cash register process to any modes of payments.
Cash register administration module in the technical program is directly connected in a wired or wireless manner with conventional P OS machine basic hardware structure, cloud platform memory, financial institution.Intelligent management mould can nipple part POS function for receiving cash, weakens existing POS function for receiving cash, and it is simple as checking and accepting payment instrument use.Crucial fund trend is all managed by intelligent management module by internet.Therefore, not only surmounted the limitation of Unionpay, can Third-party payment have been carried out, can also pay under compatible multiple line and realize instantaneity multi-party settlement.
POS in the present invention is that the hardware configuration matched with this method is mated.It is the intelligent POS being configured with intellectualized module.In view of the certification mode and the registration mode that combine multiple voucher of clearing information, Intelligent management module is that the swift and violent settlement mode of development leaves sufficient leeway.The management process of a large amount of information datas is that application is ripe, known packet; Faced by needing simultaneously is again a large amount of intelligent POS of passing through checking and registration.Therefore set public cloud storage platform, with regard to necessity very and suitable key.By means of the management process of intelligent management module to intelligent POS, define the diversification cash register settlement method that complete, step is strict, the interface of Information Monitoring also simple conversion is the sampling instrument of a settlement information, thus achieves and complete resource sharing under line under diversification clearing by internet.In addition, administration module is directly supported all kinds of Third-party payment and is comprised the multiple purchase card clearing of paying in cash, and have channel side participate in lower timely clearing activity and various business activity preferential add clearing, be the great promotion that circulation industry is developed.
The present invention does not also possess the function managed client for current POS.The requirement of current trade company to payment system can not be met, provide a kind of and pay communication means and payment system.
The technical solution adopted in the present invention is: a kind of payment management method, comprises the following steps:
Steps A, trade company's cash receiving terminal will at least comprise the data packet delivery of dealing money and trade company's numbering to the management system on backstage;
The packet received is resolved rear presence server database by the management system on step B, backstage, generates the sequence information at least with O/No. and dealing money and returns to trade company's cash receiving terminal;
Step C, trade company's cash receiving terminal obtain client and whether have voucher, if client has voucher, then voucher are passed to the management system on backstage; The management system retrieval voucher on backstage, if this voucher is authentic and valid, then upgrades sequence information and returns to trade company's cash receiving terminal; Otherwise directly enter step D;
Step D, trade company's cash receiving terminal obtain client's modes of payments, pay in cash, then collect cash, if client adopts account's modes of payments, then obtain payment account and the mandate of client if client adopts, and the payment flow of the account utilizing client to adopt realizes gathering;
Step e, after trade company's cash receiving terminal upgrades sequence information, sequence information after renewal is sent to the management system on backstage, customer account management database is upgraded by the management system on backstage, wherein, when trade company's cash receiving terminal upgrades sequence information, for the payment account adopting the client of account's modes of payments at least to add this client in sequence information, if have voucher for adopting the client paid in cash, in sequence information, then at least add the voucher number of this client, voucher is not had for adopting the client that pays in cash, when then trade company's cash receiving terminal upgrades sequence information, can add in sequence information and not increase any content.
In this payment management method: the Information encapsulation transmitted between trade company's cash receiving terminal and the management system on backstage becomes json packet.When in step e, trade company's cash receiving terminal upgrades sequence information, in sequence information, also add this client purchase commodity or service are single in detail.In described step D, client adopts the account number used during account's modes of payments to comprise account No. and non-banking account number.The payment account mode obtaining client at least comprises: utilize card reader to read interchanger or the credit card of client; Or the mode of utilization and Client handheld communication of mobile terminal obtains the mode of the payment account of client from Client handheld mobile terminal.
The present invention also provides a kind of payment administrative system realizing above-mentioned payment management method, the management system on the backstage comprising cash receiving terminal and communicate with described cash receiving terminal, described cash receiving terminal is provided with obtain client payment account device, carry out communicating realizing the system that account pays with account's payment system; The communication system, customer management module, sequence information generation module, favor information administration module, the customer database that communicate with described cash receiving terminal is comprised in the management system on described backstage;
Described sequence information generation module is connected with communication system;
Described customer management module is connected with communication system, receives the customer account management information of being sent by cash receiving terminal and manages customer database;
Described favor information administration module comprises the retrieval module of retrieval voucher, upgrades the sequence information update module of sequence information.
Wherein: the device of described acquisition client payment account comprises: contactless card reader, magnetic card reader, IC-card card reader, bar-code reader, reader for two-dimension code, Lightwave receiver, acoustic receiver.
Carry out communicating realizing with account's payment system the system that account pays and comprise bank card paying system, non-banking account payment system, prepaid card payment system.
Bank card user Preferential handling module is also comprised in described favor information administration module.
In payment communication means of the present invention, cash receiving terminal possesses various gathering mode, and utilizes the management system on backstage to manage client, meets the needs of trade company.
Further illustrate of the present invention how realizing below in conjunction with accompanying drawing in conjunction with the embodiments.
Accompanying drawing explanation
Fig. 1 can implement the intelligent POS system structural representation of diversification settlement of transactions.
The execution flow logic figure of Fig. 2 diversification settlement of transactions.
Fig. 3 is the embodiment of the present invention 1 method of payment process flow diagram.
Fig. 4 is the embodiment of the present invention 2 method of payment process flow diagram.
Fig. 5 is system chart of the present invention.
In accompanying drawing 1 represents the CPU (central processing unit) in intelligent POS, 2 represent intelligent management module, 2-1 represents interchanger settlement submodule, 2-2 represents third party's settlement submodule, and 2-3 represents prepaid card settlement submodule, and 2-4 represents settlement data record collection module, 2-5 representative editor message module, 2-6 represents that authorized administrator is deleted, added, modified module, and 3 represent intermediate memory module, transmission module on 4 representative clearing messages.5 represent cloud storage platform, 6 representative data communication interface modules, the communication protocol module that 7 representatives are supporting with each settlement mode, 8 administration modules representing gating display screen, 8-1 represents the display position of the transaction details table that gating display screen delimited, 8-2 represents the position of the transaction payment model selection table that gating display screen delimited, 8-3 represents the display position of the selection settlement mode operation steps prompting that gating display screen delimited, 9 represent Keysheet module, 8-3 represent gating display screen delimited 10 represent document of settlement output module, 11 represent voucher of clearing's information acquisition module, 11-1 represents interchanger special purpose interface, 11-2 represents Quick Response Code and takes in interface, 11-3 cursor code recognition interface, 11-i represents IC chip card and reads in interface, 12 represent message editing module, 13 represent intermediate memory module.
Embodiment
How the implementation process further illustrating this method below in conjunction with the settlement process under accompanying drawing and different clearing form completes.
1) consumer selects interchanger to settle accounts
Communication when using interchanger, message, according to the communications protocol of specification, are resolved interchanger, are assert, the standard data format of ledger account is complete is stored in the storage unit of native system.The key message of transact payment side can be got by the process of swiping the card of consumer's interchanger, comprise the bank of deposit, payment card number, gathering trade company's code and account of opening an account.The step that this method is implemented is as follows:
1. when native system receives the Transaction Information of input, send being gathered by Transaction Information of instruction according to intelligent management module (2), compile statement form, while display screen represents transaction form, represent settlement mode list to be selected.Operator touches gating interchanger settlement mode.
2. showing the interchanger settlement mode standardized operation information of screen display according to holding high office, inserting voucher of clearing at interchanger special purpose interface (11-1), interchanger settlement submodule (2-1) being called in internal memory, enters preparation executing state.
3. enter interchanger settlement submodule (2-1) to run; connect the data transmission channel of cloud storage platform and intermediate store, the protocol conventions data of the registration authentication data under relevant interchanger settlement mode, program operating support data and this transaction relevant channels are called in temporary, for subsequent use;
4. start interchanger settlement mode, transfer related data and compile the substandard clearing request message of Unionpay.Gather authentication result, extract the code of voucher of clearing, simultaneously by the communication link set up with sorting center, this clearing house is needed the confirmation result of payment voucher code, Send only Account code and standardization, this additional preferential arrangement information of concluding the business, enroll clearing request message.
5. clearing request message is uploaded: by the request clearing message formed in above step, be sent to sorting central host, wait for the request clearing further identification of message and the feedback information of process.
6. assert that the settlement information that the clearance Message processing of feedback becomes to meet Unionpay's standard is presented on gating display screen, with the form inputting interchanger key, prompting consumer confirms that this is concluded the business, upload.
After the feedback information of 7. " Transaction Success ", extract relevant information, print transaction voucher, storer that stored transaction process record is being specified.
2) consumer selects the Alipay mode in Third-party payment
Alipay is mechanism and the Payment Methods of the approval operation of national Financial Management department.Communication after approval, clearing message perform according to the communication protocol standard of specification.The development and Design person of this settlement system has signed with Alipay background management system docks agreement; Alipay standard protocol transmissions data are pressed in communication, initiate transaction by this device end, from clearing message, parse key message dealing money, Alipay account number or gathering trade company code.After customer transaction confirms mutually, Alipay system can return Transaction Success information to this settlement management system by bilateral agreement standard.All maintenance communications are legal, the information of safety and specification and data are kept in cloud storage platform, transfer utilization in the smart terminal clearing of One's name is legion.The step that consumer selects this method to implement when settling accounts is as follows:
1. when native system receives the Transaction Information of input, send being gathered by Transaction Information of instruction according to intelligent management module (2), compile statement form, while display screen represents transaction form, represent settlement mode list to be selected.Operator touches the Alipay ledger module by Quick Response Code in gating third party settlement submodule (2-2) structure.
2. the interchanger settlement mode standardized operation information of screen display is shown according to holding high office, at Alipay special purpose interface (11-2) place, voucher of clearing's image in 2 D code is set, after settlement submodule (2-2) confirms, adjust the Alipay ledger module of Quick Response Code to enter internal memory, enter preparation executing state.
3. the Alipay ledger module entering Quick Response Code is run; connect the data transmission channel of cloud storage platform and intermediate store, the protocol conventions data of the registration authentication data under the Alipay ledger module operational mode of relevant Quick Response Code, program operating support data and this transaction relevant channels are called in temporary, for subsequent use;
4. start settlement mode under the Alipay ledger module of Quick Response Code, transfer related data compile above pattern under clearing request message.Gather authentication result, extract the code of voucher of clearing, connect the communication link set up with sorting center simultaneously, this clearing house is needed the confirmation result of payment voucher Quick Response Code, Send only Account code and standardization, this additional preferential arrangement information of concluding the business, enroll clearing request message.
5. clearing request message is uploaded: by the request clearing message formed in above step, be sent to sorting central host, wait for the request clearing further identification of message and the feedback information of process.
6. by assert feedback clearance message and be processed into meet Alipay standard Quick Response Code, be presented on gating display screen, prompting consumer claps Quick Response Code form with mobile phone and confirms that this is concluded the business, and uploads.
7. after the feedback information of " Transaction Success " receives, the storer that extraction relevant information, printing transaction voucher, stored transaction process record are being specified, this closing the transaction.
3) consumer selects prepaid card settlement mode
Prepaid card clearing are actually a kind of pattern of cash settlement.Modern retail trade more and more adopts the form of prepaid card, to form circulating capital in the precipitation of trade company, the simplification of settlement process be perfectly safe.The more important thing is can by prepaid card directly bind channel side interests, directly, immediately cash have stimulated channel side and consumer enthusiasm, the sales volume of businessman is risen.Therefore be extremely active in the channel side having fixed client group in retailing industry to welcome.
The step that consumer selects this method to implement when settling accounts is as follows:
1. when native system receives the Transaction Information of input, send being gathered by Transaction Information of instruction, compile statement form, while display screen represents transaction form, represent settlement mode list to be selected.Operator touches gating prepaid card settlement submodule (2-3).
2. according to the interchanger settlement mode standardized operation information of display screen display, insert prepaid card at prepaid card special purpose interface (11-3), after confirmation, enter preparation executing state.
3. enter prepaid card settlement submodule (2-3) to run; connect the data transmission channel of cloud storage platform and intermediate store, the protocol conventions data of relevant above prepaid card registration authentication data, program operating support data and this transaction relevant channels are called in temporary, for subsequent use;
4. start settlement mode under prepaid card settlement submodule, transfer related data compile above pattern under statement of account.Gather authentication result, extract the code of voucher of clearing, enroll statement of account.
5. statement of account is directly presented at and holds high office in display screen.
6. confirm that this is concluded the business.
7. extract relevant information, print the storer that transaction voucher, stored transaction process record specifying, this closing the transaction.
Embodiment 1, as shown in Figure 3, the present embodiment be a kind of possess the multiple modes of payments payment management method, use the facility of this payment management method to be payment administrative system as shown in Figure 1, Fig. 5 is the schematic drawing of this system.
This payment administrative system comprises the management system on a series of cash receiving terminal and a backstage, and background management system is connected at the cash receiving terminal of each trade company with taxi by communication system that is wired or communication, manages the gathering action of cash receiving terminal.At present, the cash receiving terminal that the management system on backstage and taxi are located in each trade company is connected by the mode of general employing internet, also cash receiving terminal can be hired out to different trade companies in payment administrative system in the present embodiment, each cash receiving terminal is respectively one independently cash receiving terminal, collected money by different modes, if payer adopts bank's interchanger to pay, paid by the acquirer joining silver, if employing Credit Card Payments, the payment flow of credit card is then utilized to pay, if what adopt is that third party's account number modes of payments such as Alipay pay, the flow process then utilizing this third party account number side to specify pays, certainly can also make to pay down in payment process, directly collect cash when paying in cash, voucher can also be adopted to carry out partial payment etc.
In the management system on backstage, include the communication system and customer management module, sequence information generation module, favor information administration module, customer database of to carry out with cash receiving terminal communicating.Sequence information generation module is connected with communication system; When receiving the collection amount that cash receiving terminal sends over, utilizing the cash receiving terminal information acquisition business obtained in communication system to remember numbering, generating sequence information, in sequence information, have collection amount and trade company's numbering at least.Customer management module is connected with communication system, receives the customer account management information of being sent by cash receiving terminal and manages customer database; After cash receiving terminal completes the fund of client's payment, customer data is managed, customer database is much all kinds of, a kind of relevant database is used in the present embodiment, in this database, the bank card account utilizing client to use or non-banking account are as the ID identifying this client, and the transaction record of the client of this bank card account of all uses of unified management or non-banking account gathers.Favor information administration module comprises the retrieval module of retrieval voucher, upgrades sequence information update module and the bank card Preferential handling module of sequence information.
Each cash receiving terminal payment process is as follows:
1) on cash receiving terminal (merchant tenninal), input dealing money, cash receiving terminal is by dealing money, and trade company numbers, and passes to the management system on backstage after cash receiving terminal is packaged into a json Data Packet Encryption in HTTP mode.
Adopt existing POS also can realize this step, POS can transaction original amount, trade company numbers, merchant tenninal number encapsulates is encrypting into json the management system passing to backstage with HTTP form by base64, the management system on backstage can generate an O/No. according to the trade company's numbering imported into date-time factor, and the amount of money, merchant information associates.Use JSON packet to be easy to extended data structure, better expand environment for integrated payment provides.
2) the json packet received from the interface of communication system is resolved rear presence server database by the management system on backstage, call sequence information generation module and generate a new sequence information, and O/No. is added in original packet as an attribute is packaged into new JSON and returns to cash receiving terminal with HTTP.
In sequence information generation module, newly-generated is O/No., and the management system on backstage is O/No. with original amount, and trade company numbers, and merchant tenninal associates, and these data are joined returning as HTTP request response in JSON packet.
3) user having voucher can input voucher in card selection certificate bag, and cash receiving terminal can become json to encrypt Information encapsulation to pass to the management system on backstage, and server retrieves voucher also upgrades sequence information and returns to terminal with json encryption.Mainly dealing money part modified during renewal, new dealing money is the rule utilizing voucher to use, and deducts and needs the preferential amount of money, form new dealing money.
The account number of user in association, when settling accounts, helps user to remove clearance automatically.Make cash receiving terminal and voucher form a closed loop like this, the reward voucher that businessman issues, can use when settling accounts after user gets, the statistics of data all completes in the management system on backstage at once.
At present, voucher generally has two kinds, a kind of card certificate, one is electronic certificate, card certificate can be identified automatically by bank card, this preferential be user for using special bank card, when Card Reader, directly adopt mode to be above sent to the management system on backstage bank's card number of this client, server is cashed voucher by retrieval.Electronic certificate is then a string number, this number is generally printed on a card, such as vip card, therefore, cash receiving terminal also has voucher feature acquisition device, here this string number is mainly read, input if manual, voucher feature acquisition device is exactly the input medias such as keyboard, if vip card is a kind of nfc card, the NFC card reader adopted is exactly voucher feature acquisition device, if card also has Quick Response Code or bar code, also can be read by the Quick Response Code on cash receiving terminal or barcode scanner, then voucher feature acquisition device is exactly bar friend or Quick Response Code scanner, then vip card code is sent to the management system on backstage, server is cashed voucher by retrieval.
4) user can select any one modes of payments of the cash receiving terminal system integration to pay after confirming an order.
The cash receiving terminal of the present embodiment is integrated with the modes of payments such as bank account pays, non-banking account pays and pay in cash, exist accordingly, cash receiving terminal is provided with contactless card reader, magnetic card reader, IC-card card reader, bar-code reader, reader for two-dimension code, Lightwave receiver, acoustic receiver etc. and obtains account No. that client pays and non-banking account number etc., by crossing the identification to pasting, the respective modes of payments can be used to collect money.
As read the account number of interchanger by contactless card reader, then by the flow process that Unionpay's receipts unit etc. is formulated according to Unionpay, from customer account number, produce dealing money in the account number of trade company.
Same if what read by magnetic card reader, IC-card card reader is the account number of credit card, then complete Credit Card Payments by the regulation flow process of credit card issuer.
For other non-banking account, then obtain this non-banking account number by the carrier of this account itself, then utilize this non-banking account number recognized payment flow to Third-party payment mechanism just, the flow process specified as Alipay completes payment.Such modes of payments is a lot, as some consumer utilize Alipay to pay time, adopt mobile-phone payment treasured, the cash receiving terminal of business, by the mobile communication with client, obtains Alipay account number and mandate from customers' place, then complete payment by the payment flow of Alipay.
User is from main separation, and the kind of the modes of payments depends on the kind that this businessman supports; Being the payment list information had returned when logging according to this trade company, depending on the opening of the privileges of management system on backstage.The modes of payments all at present in theory can be selected.
5) after cash receiving terminal completes payment, cash receiving terminal can merchant information, Transaction Information, and the modes of payments is packaged into new packet with json form, and HTTP mode is sent to the management system on backstage.
At this moment, cash receiving terminal needs trade company to log in, the numbering of trade company can be returned according to machine code after trade company logs in, terminal number information etc., Transaction Information is integrated in the function of terminal (swiping the card is returning of POS hardware, Third-party payment is exactly returning of the management system on backstage), the modes of payments is exactly the integrated feasible modes of payments provided on cash receiving terminal; The trade company that this terminal that merchant information refers to is corresponding, once carry out payment and settlement, the money collected can flow to the relevant account number of this trade company.Merchant information comprises trade company's numbering, trade company's name, merchant tenninal number.Transaction Information includes original amount, actual money, the modes of payments, pay status.Transaction Information is sequence information subset, and sequence information comprises Transaction Information all the elements, whether uses voucher in addition in Transaction Information, and voucher is numbered, the information such as the preferential amount of money.Transaction Information completes any one modes of payments, feeds back to the information of POS terminal, and sequence information is the order generated when POS terminal initiates transaction request to server, then according to the similarities and differences of the modes of payments, can upgrade.
6) management system on backstage receives the transaction that terminal sends and calculates footing according to the rear trading order form according to transaction number more new database.
Database is arranged in the management system on backstage, is relational database, and the inside comprises merchant information table, merchant transaction information table etc.
In the management system on backstage, the information demonstrating trade company accurately after be directly saved in the tran list of database, trading order form content at that time only has O/No., original amount, and trade company numbers, merchant tenninal number.Renewal after settlement of transactions is that transaction settlement information is updated to trading order form table, as the modes of payments, and actual money, voucher number, card number, Third-party payment account number, the date of payment.So the order table of clearing can inquire in the transaction form of cash collecting system, can automatically form form and more easily allow trade company carry out data analysis management; The management system on backstage can manage all clients; The management system on backstage has all transaction records, can return to terminal well and print receipt by counting statistics in the information of a time period of relieving.
Embodiment 2 as shown in Figure 4, the system that the present embodiment adopts as in Example 1, just carrying out after bank card swipes the card on trade company's cash receiving terminal, carry out a judgement, see whether this client's bill is enjoyed preferential, if to have enjoyed preferential, just directly carry out the down-stream of bank card payment, otherwise bank's card number is sent to the management system on backstage, in background management system, bank card Preferential handling module is retrieved bank card, see whether this bank card has preference scheme, if there is preference scheme, then the direct client to this bank card user carries out preferential, upgrade sequence information and send it back trade company's cash receiving terminal, trade company's cash receiving terminal completes payment according to the sequence information after renewal according to the payment flow of this bank card.If through retrieving without any preference scheme in this bank card, then preserve bank's card number, and this bank card client is processed, such as join the preferential activity etc. of next round.
The cash collecting system of the present embodiment is compared with current POS cash collecting system, there is very large advantage, such as, can carry out outside bank card payment, can also carry out non-card pays as third party account's modes of payments pays, therefore, on the cash receiving terminal of this cash collecting system except there is bank card card reader, also has other account's acquisition device, as Quick Response Code or bar code identifying device, with the communication interface of the communication of mobile terminal such as mobile phone, the non-banking account numbers such as the Alipay of this client can be obtained from the individual mobile terminals such as mobile phone, and by the mandate obtaining and obtain payment from these Third-party payment paste that communicates with these individual mobile terminals.In addition, compared with current POS cash collecting system, in the cash collecting system of the present embodiment, also include a powerful background management system, this background system effectively manages client, as the management to some preference scheme, as when paying, see whether client has voucher, if there is voucher, can after acquisition voucher, the number of voucher or feature are sent to the management system on backstage, background management system utilizes its gopher to retrieve this voucher, by its coupon module, voucher is judged, if voucher is authentic and valid, its order update module is then utilized to upgrade between ordering, order after renewal mainly with plan single-phase ratio, mainly contain following feature: collection amount be preferential after the amount of money, add and obtain preferential mark.Order after cash receiving terminal receives renewal pays, and now, cash receiving terminal judges to adopt what modes of payments, if cash or non-banking card pay, directly receives cash or completes payment according to this non-banking card payment flow.If bank card pays, then cash receiving terminal is after reading bank card, utilize its order read module, order is read, if this order does not enjoy privileges (order not having preferential mark), cash receiving terminal utilizes the management system with the communication module of background management system, bank's card number being sent to backstage, in posterior management system, utilize its coupon module, judge whether this bank card has card certificate, namely whether this bank card has participated in any preference scheme, if participated in any one preference scheme, then carry out preferential according to preference scheme, cash receiving terminal is sent to after utilizing order update module to upgrade order, cash receiving terminal completes payment according to the order upgraded according to the payment flow of bank card, if this bank card client does not participate in any preference scheme, this bank card or client are processed, such as, joined next step preference scheme etc.
Claims (10)
1. realize the method for cash register diversification clearing under line, this method is based on including the computing machine CPU (central processing unit) (1) being equipped with intelligent management module (2) in the structure of POS, system comprises transmission module (4) on diversification voucher of clearing information acquisition module (11) and clearing message, selected cloud storage platform (5) and data communication interface module (6), the communication protocol module (7) supporting with settlement mode, message editing module (12) and settlement mode execution route reminding module (13), gating display screen administration module (8), operation keyboard module (9), intermediate memory module (3) and document of settlement output module (10), it is characterized in that the concrete execution step of this method comprises:
1) Transaction Information typing: comprise system host start and Transaction Information typing and by intelligent management module (2) be organized into comprise product specification detail, unit price, turnover transaction details table, gating display screen display and dump enter intermediate store (3), by intelligent management module (2) propose trade mode selection;
2) gating settlement mode: clearing form that can be compatible by native system is presented on gating display screen with tabulation, adopt and touch gating decision settlement mode selection and show clearing form prompting standardized operation information selected by screen display at gating, enter standby condition according to the rear system of information operation;
3) passage of cloud storage platform is connected, realize settlement mode to prepare: operate to corresponding storage area in benchmark, cloud storage platform with selected settlement mode and set up communication link to system intermediate store (3), random call selectes the protocol conventions data of registration authentication data, the operating support data of program and this transaction relevant channels under settlement mode;
4) start selected settlement mode, compile clearing request message: from intelligent management module (2), select the submodule corresponding with selected settlement mode enter operation, gather the communication link of authentication result, the code of extraction voucher of clearing, simultaneously gating and sorting center; Edit step comprises the extraction of payment voucher code, the confirmation of Send only Account code and standardization, the checking of preferential arrangement information, and is formed settle accounts request message by intelligent management module (2) after being edited;
5) upload clearing request message: intelligent management module (2) is by the message of clearing request, and the communication modes through system-specific is sent to sorting central host, wait for the further identification of request clearing message and the feedback information after processing:
6) consumer is to feedback information identification: intelligent management module (2) will assert that the clearance Message processing of feedback becomes the final statement of account of knot to be presented on gating display screen, and consumer is with this settlement of transactions stipulated form input validation information in prompting, uploads simultaneously;
7) printing and the storage of document is cleared: after intelligent management module (2) receives the information of sorting center " Transaction Success ", the storer that extraction relevant information, printing transaction voucher, stored transaction process record are being specified, and in gating display screen display.
2. the method realizing cash register diversification clearing under line according to claim 1, is characterized in that: intelligent management module (2) structure comprises interchanger settlement submodule (2-1), third party's settlement submodule (2-2), prepaid card settlement submodule (2-3); Settlement data record collection module (2-4); Editor's message module (2-5); Authorized administrator is deleted, add, modified module (2-6); Corresponding settlement module is restarted after specifically starting corresponding module according to the settlement mode of user's selection or starting necessary amendment.
3. the method realizing cash register diversification clearing under line according to claim 1, it is characterized in that: gating display screen administration module (8) structure comprises Transaction Information inventory submodule (8-1), transaction payment model selection table submodule (8-2), selects settlement mode operation steps prompting submodule (8-3); Above information concentrates multi-section display on a display screen, or subitem full screen display.
4. the method realizing cash register diversification clearing under line according to claim 1, is characterized in that: realize settlement mode in step 3) and prepare to comprise and pay subschema validation, pay subset and formed and two stages:
1) first stage payment channel configuration: the payment channel under the clearance pattern chosen is configured according to the data protocol of standard;
Resolve to first stage settlement information with to the communications protocol under this trade mode, realize docking of settlement information and settlement mode, and extract this dealing money, evidence for payment code, gathering trade company code, then organizes packet encryption and becomes to meet the packet storage of the standard of this transaction and clearing form in intermediate store (3);
2) formation of this tally order subset of subordinate phase:
Extraction standard clearing message, adds the pass phrase key of the IP address comprising settlement terminal, editor collect become under this settlement mode execution subset of instructions, be stored in intermediate store (3).
5. the method realizing cash register diversification clearing under line according to claim 2, is characterized in that: third party's settlement submodule (2-2) structure comprises by Quick Response Code as the Alipay ledger module of voucher of clearing and the wing payment and settlement sub-module implementing clearing by Quick Response Code or NFC.
6. the method realizing cash register diversification clearing under line according to claim 2, it is characterized in that: include in prepaid card settlement submodule (2-3) under this settlement mode execution subset of instructions, when startup prepaid card settlement submodule (2-3) and checking registration card number, hair fastener unit, consumer record remaining sum for this consumer requests be legal, effectively afterwards at once start.
7. the method realizing cash register diversification clearing under line according to claim 2, is characterized in that: gating display screen (8) upper prompting standardization settlement operations information comprises:
The payment voucher of the settlement mode a. selected by you is: interchanger, Quick Response Code, cursor code IC-card, wing payout figure information, bar code information,
B. please injecting " yes " by arranging after selected voucher of clearing kind in parantheses, then inputting “ ↙ " order,
C. please enter to settle accounts key according to prompting defeated (taking the photograph) after confirming Transaction Information.
8. the method realizing cash register diversification clearing under line according to claim 1, is characterized in that: the information acquisition circuit interface matched under wanting this settlement mode of first gating and voucher of clearing's information acquisition module (11) to manage during the code of the extraction voucher of clearing of this method step 4).
9. the method realizing cash register diversification clearing under line according to claim 8, is characterized in that: the lower information acquisition circuit interface of voucher of clearing's information acquisition module (11) management comprises: interchanger special purpose interface (11-1), Quick Response Code absorption interface (11-2), cursor code recognition interface (11-3), IC-card read in interface (11-i), wing payout figure information interface, bar code information interface.
10. the method realizing cash register diversification clearing under line according to claim 1, is characterized in that: authorized administrator is deleted, add, modified module (2-6) structure comprises the identity of keeper and the identification submodule of authority;
A kind of payment management method, is completed by the management system on trade company's cash receiving terminal and backstage, it is characterized in that: comprise the following steps:
Steps A, trade company's cash receiving terminal will at least comprise the data packet delivery of dealing money and trade company's numbering to the management system on backstage;
The packet received is resolved in rear presence server database by the management system on step B, backstage, generates the sequence information at least with O/No. and dealing money simultaneously and returns to trade company's cash receiving terminal;
Step C, trade company's cash receiving terminal are understood client and whether are had voucher, if client has voucher, then voucher characteristic signal are passed to the management system on backstage; The management system on backstage retrieves the characteristic signal of this voucher, if this voucher is authentic and valid, then upgrades sequence information and returns to trade company's cash receiving terminal; Otherwise directly enter step D;
Step D, trade company's cash receiving terminal obtain client's modes of payments, pay in cash, then collect cash, if client adopts account's modes of payments, then obtain payment account and the mandate of client if client adopts, and the payment flow of the account utilizing client to adopt realizes gathering;
Step e, trade company's cash receiving terminal generate the management system that customer account management information is sent to backstage, and the management system on backstage is according to customer account management information updating customer account management database; Described customer account management information at least adds client personal information on sequence information basis; Wherein, when trade company's cash receiving terminal generates customer account management information, for the payment account adopting the client of account's modes of payments at least to add this client in sequence information, if for adopting the client paid in cash to have voucher, then at least add the voucher number of this client in sequence information;
Payment management method according to claim 1, is characterized in that: in described step D, when client adopts bank card to pay, further comprising the steps of:
Step D01, to judge whether this client enjoys preferential, if enjoyed, then turns to step D03, otherwise turn to D02;
Step D02, bank's card number is sent to the management system on backstage;
The management system on step D03 backstage is retrieved bank's card number, if to have bank card preferential for this bank card, then upgrade sequence information and returns to trade company's cash receiving terminal; Otherwise, former sequence information is directly sent back to trade company's cash receiving terminal, and this bank's card number is processed;
Step D04, cash receiving terminal utilize bank card payment flow to realize gathering;
Payment management method according to claim 1, is characterized in that: the Information encapsulation transmitted between trade company's cash receiving terminal and the management system on backstage becomes json packet;
Payment management method according to claim 1, is characterized in that: when in step e, trade company's cash receiving terminal upgrades sequence information, and in sequence information, also add this client purchase commodity or service are single in detail;
Payment management method according to claim 1, is characterized in that: in described step D, and client adopts the account number used during account's modes of payments to comprise account No. and non-banking account number;
Payment management method according to claim 5, is characterized in that: the payment account mode obtaining client at least comprises:
Card reader is utilized to read interchanger or the credit card of client; Or,
Utilize the mode obtaining the payment account of client with the mode of Client handheld communication of mobile terminal from Client handheld mobile terminal;
A kind of payment administrative system, the management system on backstage comprising cash receiving terminal and communicate with described cash receiving terminal, described cash receiving terminal is provided with obtain client's payment account device, carry out communicating realizing the system that account pays with account's payment system; It is characterized in that: in the management system on described backstage, comprise the communication system, customer management module, sequence information generation module, favor information administration module, the customer database that communicate with described cash receiving terminal;
Described sequence information generation module is connected with communication system;
Described customer management module is connected with communication system, receives the customer account management information of being sent by cash receiving terminal and manages customer database;
Described favor information administration module comprises the retrieval module of retrieval voucher, upgrades the sequence information update module of sequence information;
Payment administrative system according to claim 7, is characterized in that: the device of described acquisition client payment account comprises: contactless card reader, magnetic card reader, IC-card card reader, bar-code reader, reader for two-dimension code, Lightwave receiver, acoustic receiver;
Payment administrative system according to claim 7, is characterized in that: carry out communicating realizing with account's payment system the system that account pays and comprise bank card paying system, non-banking account payment system, prepaid card payment system;
Payment administrative system according to claim 7, is characterized in that: also comprise bank card user Preferential handling module in described favor information administration module.
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| PCT/CN2016/084661 WO2017012428A1 (en) | 2015-04-03 | 2016-06-03 | Offline diversified cashier clearing method, payment management method, and payment management system |
| TW105118081A TWI606408B (en) | 2015-04-03 | 2016-06-08 | Realize offline diversified settlement and payment management methods and payment management system |
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| CN201510429350.4A CN105023149B (en) | 2015-04-03 | 2015-07-21 | Method for realizing offline cash-receiving diversified settlement and payment management system |
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Also Published As
| Publication number | Publication date |
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| TWI606408B (en) | 2017-11-21 |
| CN104732382A (en) | 2015-06-24 |
| TW201710970A (en) | 2017-03-16 |
| CN105023149B (en) | 2021-07-09 |
| WO2017012428A1 (en) | 2017-01-26 |
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