CN106548332A - A kind of payment system based on cloud service - Google Patents

A kind of payment system based on cloud service Download PDF

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Publication number
CN106548332A
CN106548332A CN201610939713.3A CN201610939713A CN106548332A CN 106548332 A CN106548332 A CN 106548332A CN 201610939713 A CN201610939713 A CN 201610939713A CN 106548332 A CN106548332 A CN 106548332A
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China
Prior art keywords
payment
module
data
platform
subsystem
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CN201610939713.3A
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Chinese (zh)
Inventor
杨银剑
杨银河
陈莉
陈乾
常永坤
陈杰
顾陆汀
叶甜甜
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Kunshan Dazzle Life Information Technology Co Ltd
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Kunshan Dazzle Life Information Technology Co Ltd
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Priority to CN201610939713.3A priority Critical patent/CN106548332A/en
Publication of CN106548332A publication Critical patent/CN106548332A/en
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/085Payment architectures involving remote charge determination or related payment systems
    • G06Q20/0855Payment architectures involving remote charge determination or related payment systems involving a third party
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/389Keeping log of transactions for guaranteeing non-repudiation of a transaction
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, 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
    • G06Q20/401Transaction verification
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q30/00Commerce
    • G06Q30/02Marketing; Price estimation or determination; Fundraising
    • G06Q30/0201Market modelling; Market analysis; Collecting market data

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • General Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Development Economics (AREA)
  • Entrepreneurship & Innovation (AREA)
  • Marketing (AREA)
  • Economics (AREA)
  • Game Theory and Decision Science (AREA)
  • Data Mining & Analysis (AREA)
  • Computer Security & Cryptography (AREA)
  • Medical Treatment And Welfare Office Work (AREA)

Abstract

The invention discloses a kind of payment system based on cloud service, which includes some payment terminals, pays the payment platform asked, Cloud Server, business service platform suitable for payment terminal transmission, and payment platform links business service platform, and payment platform includes:Subsystem, trade company's management subsystem, application management subsystem are paid, Cloud Server includes:Data collection module, data analysis module, data conversion module, sort module, data base.The payment system of the present invention is analyzed based on cloud service big data, is analyzed by cloud service big data, improves the convenience and diversity of electronic fare payment system, and the form of payment of multi-element management disburser improves subject range and the safety of electronic fare payment system.

Description

A kind of payment system based on cloud service
Technical field
The present invention relates to pay field by mails, and in particular to a kind of payment system based on cloud service.
Background technology
Traditional bank paying form of transferring accounts needs for disburser's bank account real information to be transferred to bank, exists certain Information leakage risk.In addition, traditional bank paying form can bring inconvenience to disburser, for example, accurately cannot remember Accounts information, or do not carry bankbook or bank card etc..
With the development of the technology of E-Payment by mails, the change of people's living habit, it is now desired to a kind of means of payment, energy Enough more, more easily approach is provided so that disburser need not provide bank account information for disburser, to bank, charge slip Position, disburser are favourable.
The content of the invention
It is an object of the invention to overcome the problem above that prior art is present, there is provided a kind of payment system based on cloud service System, the payment system of the present invention are analyzed based on cloud service big data, and the payment system is applied in commerce and trade system, by big number User, businessman, third party's consumer transaction data are collected according to analysis, then accurately dependency number are pushed to user, businessman, third party According to the utilization rate of raising data in commerce and trade ecosystem circle promotes e-commerce platform health, safety, the development of efficiency.
To realize above-mentioned technical purpose, above-mentioned technique effect is reached, the present invention is achieved through the following technical solutions:
A kind of payment system based on cloud service, which includes some payment terminals, sends suitable for the payment terminal and prop up Payment platform, the Cloud Server of request are paid, the payment terminal is used for the payment information for confirming to the payment platform to send, institute Payment platform is stated for processing payment information, the Cloud Server carries out data analysiss and conversion,
Also include business service platform, the payment platform links the business service platform, and the payment platform includes: Subsystem, trade company's management subsystem, application management subsystem are paid,
The subsystem that pays is used to receiving, processing the payment request of disburser, the payment subsystem connection third party Payment terminals, the payment subsystem send the payment request of disburser to the Third-party payment end, trade company's management System enters the trade company of the payment platform for management, and the application management subsystem is used for the payment of managing payment platform should With;
The Cloud Server includes:
Data collection module, the data collection module are used to collect from the business service platform and payment platform Consumption information;
Data analysis module, the data analysis module is for carrying out to the information that the data collection module is collected point Analysis;
Data after data analysis module analysis are converted to use by data conversion module, the data conversion module The data that family, businessman, Third-party payment end can directly display;
Data after data analysis module analyzing and processing are classified by sort module, the sort module;
Data base, the data base be used for data storage and from user, businessman, Third-party payment end user's day Will.
Preferably, the payment subsystem includes:
Request receiving module, the request reception unit receive the payment request from the payment terminal;
Whether authentication module, the identity authenticating unit validation of payment request are matched with disburser's identity information;
First communication module, first communication module respectively with the payment terminal, Third-party payment end, Cloud Server Communication connection, first communication module is by the information transfer for paying subsystem reception to the Cloud Server;
Payment module, the payment module receive it is described pay request after, by disburser's account and payment terminal After Data Comparison, corresponding payment accounts are obtained, and after disburser's checking, complete to pay.
Preferably, trade company's management subsystem includes:Merchant verification module and trade company's management module, the merchant verification Module is used for the identity information for verifying trade company, and trade company's management module is used for Classification Management trade company, and management trade company enters, and manages Trade company pushes marketing message.
Preferably, the application management subsystem includes:User's food and drink application management module, medical applications management module, Trip application management module, life application management module, individual center application management module.
Preferably, the business service platform includes:
Receiver module, the receiver module be used for receive from user consumer requests, pay request, for receive from The push request of businessman;
Authentication module, the authentication module are used to verify user, businessman, the identity information at Third-party payment end;
The request at user, businessman, Third-party payment end corresponding information is sent out by sending module, the sending module respectively See off;
Data acquisition module, the data acquisition module are used for collection from the user, businessman, Third-party payment end Commercial transaction data;
Data processing memory module, the data processing memory module are used to process from user, businessman, Third-party payment Then data are cached by the commercial transaction data at end;
The data of process are carried out by dispatching distribution module, the dispatching distribution module according to the request demand of different port Matching, then distribution are sent to each port.
Preferably, the business service platform also include the second communication module, by second communication module respectively with User, businessman, Third-party payment end, Cloud Server communication connection.
Preferably, the payment terminal includes:POS, APP, POS.
Preferably, the Third-party payment end includes:Alipay, Unionpay, wechat payment, the wing pay.
The invention has the beneficial effects as follows:
The payment system of the present invention is analyzed based on cloud service big data, is analyzed by cloud service big data, improves electronics The convenience and diversity of payment system, the form of payment of multi-element management disburser improve the adaptation model of electronic fare payment system Enclose and safety.
The payment system is applied in commerce and trade system, collects user, businessman, third party's consumer sale by big data analysis Data, then accurately push related data to user, businessman, third party, and improving the data in the commerce and trade ecosystem circle makes With rate, e-commerce platform health, safety, the development of efficiency are promoted.
Described above is only the general introduction of technical solution of the present invention, in order to better understand the technological means of the present invention, And can be practiced according to the content of description, below with presently preferred embodiments of the present invention and coordinate accompanying drawing describe in detail as after. The specific embodiment of the present invention is shown in detail in by following examples and its accompanying drawing.
Description of the drawings
For the technical scheme being illustrated more clearly that in embodiment of the present invention technology, below will be in the description of embodiment technology The required accompanying drawing for using is briefly described, it should be apparent that, drawings in the following description are only some realities of the present invention Example is applied, for those of ordinary skill in the art, on the premise of not paying creative work, can be with according to these accompanying drawings Obtain other accompanying drawings.
Fig. 1 is the system framework figure of the present invention;
Fig. 2 is the schematic diagram of payment platform of the present invention;
Fig. 3 is the schematic diagram of business service platform of the present invention;
Fig. 4 is the schematic diagram of Cloud Server.
Specific embodiment
Below in conjunction with the accompanying drawing in the embodiment of the present invention, the technical scheme in the embodiment of the present invention is carried out clear, complete Site preparation is described, it is clear that described embodiment is only a part of embodiment of the invention, rather than the embodiment of whole.It is based on Embodiment in the present invention, it is every other that those of ordinary skill in the art are obtained under the premise of creative work is not made Embodiment, belongs to the scope of protection of the invention.
Embodiment
With reference to shown in Fig. 1, a kind of payment system based on cloud service in the present embodiment, is disclosed, which includes some payment eventually End, the payment platform that payment request is sent suitable for above-mentioned payment terminal, Cloud Server, business service platform, above-mentioned payment end The payment information for confirming to above-mentioned payment platform to send, above-mentioned payment platform is held to be used to process payment information, above-mentioned cloud clothes Business device carries out data analysiss and conversion.
Above-mentioned payment platform links above-mentioned business service platform, as shown in Fig. 2 above-mentioned payment platform includes:Pay subsystem System, trade company's management subsystem, application management subsystem, above-mentioned payment subsystem are used for the payment request for receiving, processing disburser, Above-mentioned payment subsystem connection Third-party payment end, above-mentioned payment subsystem send the payment request of disburser to the above-mentioned 3rd Square payment terminals, above-mentioned trade company's management subsystem enter the trade company of above-mentioned payment platform, above-mentioned application management subsystem for management For the payment application of managing payment platform.
Above-mentioned payment subsystem includes:Request receiving module, authentication module, the first communication module, payment module.
Wherein, above-mentioned request reception unit receives the payment request from above-mentioned payment terminal;Above-mentioned identity authenticating unit Whether validation of payment request is matched with disburser's identity information;Above-mentioned first communication module respectively with above-mentioned payment terminal, the 3rd Square payment terminals, Cloud Server communication connection, the information transfer that above-mentioned payment subsystem is received by above-mentioned first communication module are supreme State Cloud Server;Above-mentioned payment module after above-mentioned payment request is received, by disburser's account and the data pair of payment terminal Than after, corresponding payment accounts are obtained, and after disburser's checking, complete to pay.
Above-mentioned trade company's management subsystem includes:Merchant verification module and trade company's management module, above-mentioned merchant verification module are used In the identity information of checking trade company, above-mentioned trade company's management module is used for Classification Management trade company, and management trade company enters, and management trade company pushes away Send marketing message.
Above-mentioned application management subsystem includes:User's food and drink application management module, medical applications management module, trip application Management module, life application management module, individual center application management module.
As shown in figure 3, above-mentioned business service platform includes:Receiver module, authentication module, sending module, data acquisition module Block, data processing memory module, dispatching distribution module, the second communication module.
Above-mentioned receiver module is used for consumer requests, payment request of the reception from user, for receiving pushing away from businessman Send request;Above-mentioned authentication module is used to verify user, businessman, the identity information at Third-party payment end;Above-mentioned sending module difference The request at user, businessman, Third-party payment end corresponding information is sent;Above-mentioned data acquisition module is used to gather next From above-mentioned user, businessman, Third-party payment end commercial transaction data;Above-mentioned data processing memory module is used to process to use by oneself Then data are cached by family, businessman, the commercial transaction data at Third-party payment end;Above-mentioned dispatching distribution module is not according to With the request demand of port, the data of process are matched, then distribution is sent to each port.By the above-mentioned second communication mould Block is connected with user, businessman, Third-party payment end, Cloud Server communication respectively.
In the present embodiment, above-mentioned payment terminal includes:POS, APP, POS.Above-mentioned Third-party payment end bag Include:Alipay, Unionpay, wechat payment, the wing pay.
As shown in figure 4, Cloud Server includes:Data collection module, data analysis module, data conversion module, mould of classifying Block, data base.
Above-mentioned data collection module is used to collect from above-mentioned business service platform and the consumption information of payment platform;It is above-mentioned Data analysis module is for being analyzed to the information that above-mentioned data collection module is collected;Above-mentioned data conversion module is by above-mentioned number User is converted to according to the data after analysis module analysis, the data that businessman, Third-party payment end can directly display;Above-mentioned classification Data after above-mentioned data analysis module analyzing and processing are classified by module;Above-mentioned data base be used for data storage and from User, businessman, the user journal at Third-party payment end.
Above-mentioned payment system is analyzed based on cloud service big data, is analyzed by cloud service big data, is improved and is paid by mails The convenience and diversity of system, the form of payment of multi-element management disburser, improve electronic fare payment system subject range and Safety.
The payment system is applied in commerce and trade system, collects user, businessman, third party's consumer sale by big data analysis Data, then accurately push related data to user, businessman, third party, and improving the data in the commerce and trade ecosystem circle makes With rate, e-commerce platform health, safety, the development of efficiency are promoted.
The foregoing description of the disclosed embodiments, enables professional and technical personnel in the field to realize or using the present invention. Various modifications to these embodiments will be apparent for those skilled in the art, as defined herein General Principle can be realized without departing from the spirit or scope of the present invention in other embodiments.Therefore, the present invention The embodiments shown herein is not intended to be limited to, and is to fit to and principles disclosed herein and features of novelty phase one The most wide scope for causing.

Claims (8)

1. a kind of payment system based on cloud service, which includes some payment terminals, send suitable for the payment terminal and pay The payment platform of request, Cloud Server, the payment terminal are used for the payment information for confirming to the payment platform to send, described Payment platform is used to process payment information, and the Cloud Server carries out data analysiss and conversion, it is characterised in that
Also include business service platform, the payment platform links the business service platform, and the payment platform includes:Pay Subsystem, trade company's management subsystem, application management subsystem,
The subsystem that pays is used to receiving, processing the payment request of disburser, the payment subsystem connection Third-party payment End, the subsystem that pays send the payment request of disburser to the Third-party payment end, and the trade company manages subsystem The trade company of the payment platform is entered for management, the application management subsystem is used for the payment application of managing payment platform;
The Cloud Server includes:
Data collection module, the data collection module are used to collect the consumption from the business service platform and payment platform Information;
Data analysis module, the data analysis module is for being analyzed to the information that the data collection module is collected;
Data after data analysis module analysis are converted to user, business by data conversion module, the data conversion module The data that family, Third-party payment end can directly display;
Data after data analysis module analyzing and processing are classified by sort module, the sort module;
Data base, the data base be used for data storage and from user, businessman, Third-party payment end user journal.
2. the payment system based on cloud service according to claim 1, it is characterised in that the payment subsystem includes:
Request receiving module, the request reception unit receive the payment request from the payment terminal;
Whether authentication module, the identity authenticating unit validation of payment request are matched with disburser's identity information;
First communication module, first communication module are communicated with the payment terminal, Third-party payment end, Cloud Server respectively Connection, first communication module is by the information transfer for paying subsystem reception to the Cloud Server;
Payment module, the payment module receive it is described pay request after, by disburser's account and the data of payment terminal After contrast, corresponding payment accounts are obtained, and after disburser's checking, complete to pay.
3. the payment system based on cloud service according to claim 1, it is characterised in that the trade company manages subsystem bag Include:Merchant verification module and trade company's management module, the merchant verification module are used for the identity information for verifying trade company, the trade company Management module is used for Classification Management trade company, and management trade company enters, and management trade company pushes marketing message.
4. the payment system based on cloud service according to claim 1, it is characterised in that the application management subsystem bag Include:User's food and drink application management module, medical applications management module, trip application management module, life application management module, individual People's center applications management module.
5. the payment system based on cloud service according to claim 1, it is characterised in that the business service platform bag Include:
Receiver module, the receiver module are used for consumer requests, payment request of the reception from user, for receiving from businessman Push request;
Authentication module, the authentication module are used to verify user, businessman, the identity information at Third-party payment end;
The request at user, businessman, Third-party payment end corresponding information is sent out by sending module, the sending module respectively Go;
Data acquisition module, the data acquisition module be used for collection from the user, businessman, Third-party payment end commerce and trade Transaction data;
Data processing memory module, the data processing memory module are used to process from user, businessman, Third-party payment end Then data are cached by commercial transaction data;
The data of process are matched by dispatching distribution module, the dispatching distribution module according to the request demand of different port, Then distribution is sent to each port.
6. the payment system based on cloud service according to claim 5, it is characterised in that the business service platform is also wrapped The second communication module is included, is communicated with user, businessman, Third-party payment end, Cloud Server by second communication module respectively Connection.
7. the payment system based on cloud service according to claim 1, it is characterised in that the payment terminal includes:POS Machine, APP, POS.
8. the payment system based on cloud service according to claim 1, it is characterised in that the Third-party payment end bag Include:Alipay, Unionpay, wechat payment, the wing pay.
CN201610939713.3A 2016-10-25 2016-10-25 A kind of payment system based on cloud service Pending CN106548332A (en)

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Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN108694623A (en) * 2018-06-29 2018-10-23 芜湖奥优商贸有限公司 A kind of commerce and trade data analysis system based on Internet of Things
CN108734447A (en) * 2018-05-29 2018-11-02 广东通莞科技股份有限公司 A kind of mobile-payment system of micro services framework
CN109146642A (en) * 2018-08-30 2019-01-04 江苏中理网络科技有限公司 A kind of payment and integrated deployment system and method for marketing

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Publication number Priority date Publication date Assignee Title
CN102324076A (en) * 2011-08-24 2012-01-18 南京中兴群力信息科技有限公司 Unification all-purpose card payment system based on cloud calculation and method thereof
CN104794622A (en) * 2015-04-13 2015-07-22 天津市非常易订科技有限公司 E-commerce platform system based on big data processing
CN104809611A (en) * 2015-04-20 2015-07-29 王宏旭 Mobile financial payment method and system based on Internet of Things under cloud platform
CN104933610A (en) * 2015-06-10 2015-09-23 金亚东 Mobile payment system and method for self-service purchase of goods and services
CN106022752A (en) * 2016-05-13 2016-10-12 北京思元软件有限公司 Payment device, cloud platform, and smart vending machine management system using same

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN102324076A (en) * 2011-08-24 2012-01-18 南京中兴群力信息科技有限公司 Unification all-purpose card payment system based on cloud calculation and method thereof
CN104794622A (en) * 2015-04-13 2015-07-22 天津市非常易订科技有限公司 E-commerce platform system based on big data processing
CN104809611A (en) * 2015-04-20 2015-07-29 王宏旭 Mobile financial payment method and system based on Internet of Things under cloud platform
CN104933610A (en) * 2015-06-10 2015-09-23 金亚东 Mobile payment system and method for self-service purchase of goods and services
CN106022752A (en) * 2016-05-13 2016-10-12 北京思元软件有限公司 Payment device, cloud platform, and smart vending machine management system using same

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN108734447A (en) * 2018-05-29 2018-11-02 广东通莞科技股份有限公司 A kind of mobile-payment system of micro services framework
CN108694623A (en) * 2018-06-29 2018-10-23 芜湖奥优商贸有限公司 A kind of commerce and trade data analysis system based on Internet of Things
CN109146642A (en) * 2018-08-30 2019-01-04 江苏中理网络科技有限公司 A kind of payment and integrated deployment system and method for marketing

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