CN106651350A - System and method supporting combined payment manner and settlement automatic refund - Google Patents
System and method supporting combined payment manner and settlement automatic refund Download PDFInfo
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- CN106651350A CN106651350A CN201610974959.4A CN201610974959A CN106651350A CN 106651350 A CN106651350 A CN 106651350A CN 201610974959 A CN201610974959 A CN 201610974959A CN 106651350 A CN106651350 A CN 106651350A
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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
- G06Q20/22—Payment schemes or models
- G06Q20/28—Pre-payment schemes, e.g. "pay before"
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Abstract
The invention discloses a system and method supporting combined payment manner and settlement automatic refund. The system comprises a payment terminal device and the following mutually connected systems: a payment and refund processing sub-system, a user account sub-system, a financial settlement sub-system and a business sub-system. The payment terminal device is connected with the payment and refund processing sub-system and is used to provide an access port to a user for combined payment; the payment and refund processing sub-system is used to record the payment information concerning the combined payment to the business by the user, to set a fee subtracting order and to realize the account charging and refunding; the financial settlement sub-system is used to calculate the business consumption information; and the business sub-system is used to realize the business consumption fee subtracting according to the set fee subtracting order. According to the invention, in the payment process of a user, a combined payment manner is provided to the user for charging in advance so that when the money amount in one payment manner is not enough for the payment, a combination of a plurality of payment manners could complete the business processing, therefore, increasing the efficiency and saving the time for the user.
Description
Technical field
The present invention relates to a kind of support combined payment mode and the system and method for automatic reimbursement of settling accounts, hotel is applied to
Make a reservation for and checkout reimbursement.
Background technology
Intelligent hotel, is with New Communication Technology Computerized intelligent information processing, broadband interactive multimedia network technology
For the information network system of core, can provide thoughtfully for consumer, convenient, comfortable satisfactory service meets consumer " personalized
The needs of service, Informatization Service ", are the directions of 21 century New Economy Era measures for hotel business.
For convenience of hotel management, in the prior defined procedure of intelligent hotel, it is frequently necessary to according to the predetermined time length of client,
Room level, it is desired to which client carries out Prepaid to the expense of moving in, reimbursement is carried out again when client checks out；Such as Application No.
201310746674.1 " a kind of intelligent hotel guest room reservation management system ", exactly managed by way of making a reservation for and checking out
Reason, is that hotel and client bring very big convenience.
But, at present during Prepaid is carried out, the automatic payment platform that hotel provides is only supported at various
Select one of which in the mode of paying, it is common in the case of, bank card, Net silver, Third-party payment can only be selected（Alipay, wechat
Deng）In one kind paid；When Sorry, your ticket has not enough value for customer bank card, generally require to be transferred to the amount of money of other payment approach
In bank card, then paid, wasted client's plenty of time, to client bad experience is brought.
The content of the invention
It is an object of the invention to overcome the deficiencies in the prior art, there is provided one kind supports that combined payment mode is automatic with checkout
The system and method for reimbursement, in user's payment process, there is provided the mode of combined payment carries out Prepaid to client, can be in visitor
In the case of the single mode insufficient in amount of people, in many ways combination come finishing service handle, improve efficiency, saved client
Time.
The purpose of the present invention is achieved through the following technical solutions：One kind supports that combined payment mode is automatic with checkout
The system of reimbursement, including payment terminal equipment, payment reimbursement processing subsystem, customer account subsystem, financial settlement subsystem
And service sub-system；Described payment reimbursement processing subsystem, customer account subsystem, financial settlement subsystem and business subsystem
System is interconnected；The payment reimbursement processing subsystem is also connected with payment terminal equipment；
Described payment terminal equipment is used to handle entrance for what client provided combined payment；Described payment reimbursement processes subsystem
Unite for the payment information for recording when client is combined payment by payment terminal equipment to business, and set combined payment
Expense is withholdd sequentially, realizes that customer account is supplemented with money and reimbursement；Described customer account subsystem is used to provide customer account information；
Described financial settlement subsystem is used to calculate the business consumption information of client；Described service sub-system is used for basis
The business consumption information for calculating, in customer account subsystem, to withhold sequentially realize and withholds according to the expense of setting.
Described combined payment include pay in cash, payments of swiping the card, barcode scanning payments, e-Bank payment, integrate payment and the 3rd
One or more of combination in Fang Zhifu.
Described checkout automatic reimbursement system also includes that message pushes subsystem, successfully believes for paying to pushes customer
Breath, reimbursement successful information or real time business consumption information.
Described payment reimbursement processing subsystem includes：
Order setting module, the expense for setting combined payment is withholdd sequentially；
Account charging module, for interacting with payment terminal, realization carries out prepayment and fills in the way of combined payment to customer account
Value；
Information logging modle, for recording disbursement letter when client is combined payment by payment terminal equipment to single business
Breath, described payment information includes used terminal equipment, the selected means of payment, payment account letter corresponding to every kind of means of payment
Breath, the payment corresponding to each payment account, combined payment total amount；
Reimbursement module, for when client initiates reimbursement application, the expense that per has not been consumed to be according to its corresponding payer
The account of formula is return.
Described payment terminal equipment include but is not limited to PC terminals, intelligent movable handheld terminal, guest room television terminal and
Self-service machine terminal.
A kind of payment Withdrawing method of described system for supporting combined payment mode and checkout automatic reimbursement, including it is following
Step：
S1. pay reimbursement processing subsystem preset combined payment expense withhold order；
S2. client passes through payment terminal equipment and pays interacting for reimbursement processing subsystem, and to payment business single mode is chosen
Or various ways combined payment, realize based on the account Prepaid of customer account advance deposit；
S3. pay reimbursement processing subsystem preserve supplement with money during per payment expense rating and its corresponding means of payment and
Payment account；
S4. client during hotel stays at an inn, financial settlement subsystem is calculated in real time the business consumption information of client；
S5. service sub-system manages the business consumption information that subsystem is calculated according to financial settlement, with reference to the expense button of setting
Money order is withholdd to customer account；
S6. client initiates refund request, and the expense that payment reimbursement subsystem has not consumed per is according to its corresponding payer
Formula and account are return.
Described step S2 includes following sub-step：
S21. client initiates business payment by payment terminal equipment, and all means of payment of system demonstration supply customer selecting, client
Single mode or combined payment mode can be selected to pay the bill；
S22. payment terminal equipment is interacted with reimbursement processing subsystem is paid, and shows the cost information of current business, and described takes
Include the amount of money that the total amount that need to be paid, current way pay, the amount of money to be paid, and the available means of payment with information；
S23. customer selecting single payment mode, and it is determined that being paid after single payment expense, paying reimbursement subsystem will
The expense of single payment is supplemented with money in customer account；
S24. judge whether the amount of money to be paid is paid off：
（1）If the amount of money to be paid is paid off, into step S25；
（2）If the amount of money to be paid is not paid off, return to step S22；
S25. show that business pays successful and total payment in payment terminal equipment.
Described step S6 includes following sub-step：
S61. client initiates refund request, pays reimbursement processing subsystem and judges whether client meets reimbursement condition；
（1）If client meets reimbursement condition, into step S62；
（2）If client is unsatisfactory for reimbursement condition, refuse the refund request of client；
S62. pay reimbursement processing subsystem and remaining per payment cost balance in customer account is inquired about from client's subsystem
And its corresponding means of payment and payment account, client is returned to by reimbursement module.
The payment Withdrawing method of described a kind of system for supporting combined payment mode and checkout automatic reimbursement, also including disappearing
Breath pushes step：
In combined payment success, pay to pushes customer and successfully remind and pay managing detailed catalogue；
It is detailed to pushes customer consumption information when carrying out consumption to customer account and withholing；
In reimbursement success, all of consumption information of process of successfully reminding to pushes customer reimbursement and stay at an inn is detailed.
The invention has the beneficial effects as follows：In user's payment process, there is provided the mode of combined payment is prepay to client
Supplement with money, can in the case of the single mode insufficient in amount of guest, in many ways combination come finishing service handle, improve effect
Rate, has saved client's time；While the expense that payment reimbursement processing subsystem sets combined payment is withholdd sequentially, and save
During supplementing with money per payment expense rating and the corresponding means of payment and payment account, in reimbursement will per do not consumed
Expense return according to its corresponding means of payment and account, it is convenient with management of the hotel to reimbursement.
Description of the drawings
Fig. 1 is the system principle diagram of the present invention；
Fig. 2 is method of the present invention flow chart；
Fig. 3 is the flow chart of combined payment.
Specific embodiment
Technical scheme is described in further detail below in conjunction with the accompanying drawings, but protection scope of the present invention is not limited to
Described below.
As shown in figure 1, a kind of system for supporting combined payment mode and checkout automatic reimbursement, including payment terminal equipment,
Pay reimbursement processing subsystem, customer account subsystem, financial settlement subsystem and service sub-system；At described payment reimbursement
Reason subsystem, customer account subsystem, financial settlement subsystem and service sub-system are interconnected；The payment reimbursement processes son
System is also connected with payment terminal equipment；
Described payment terminal equipment is used to handle entrance for what client provided combined payment；Described payment reimbursement processes subsystem
Unite for the payment information for recording when client is combined payment by payment terminal equipment to business, and set combined payment
Expense is withholdd sequentially, realizes that customer account is supplemented with money and reimbursement；Described customer account subsystem is used to provide customer account information
（Client identity, age, the time of moving in, account balance etc.）；Described financial settlement subsystem is used for the business to client and consumes
Information is calculated；Described service sub-system is used for according to the business consumption information for calculating, in customer account subsystem,
To withhold sequentially realize according to the expense of setting and withhold.
Described combined payment include pay in cash, payments of swiping the card, barcode scanning payments, e-Bank payment, integrate payment and the 3rd
One or more of combination in Fang Zhifu.
Described checkout automatic reimbursement system also includes that message pushes subsystem, successfully believes for paying to pushes customer
Breath, reimbursement successful information or real time business consumption information.
Described payment reimbursement processing subsystem includes：
Order setting module, the expense for setting combined payment is withholdd sequentially；
Account charging module, for interacting with payment terminal, realization carries out prepayment and fills in the way of combined payment to customer account
Value；
Information logging modle, for recording disbursement letter when client is combined payment by payment terminal equipment to single business
Breath, described payment information includes used terminal equipment, the selected means of payment, payment account letter corresponding to every kind of means of payment
Breath, the payment corresponding to each payment account, combined payment total amount；
Reimbursement module, for when client initiates reimbursement application, the expense that per has not been consumed to be according to its corresponding payer
The account of formula is return.
Described payment terminal equipment include but is not limited to PC terminals, intelligent movable handheld terminal, guest room television terminal and
Self-service machine terminal.
As shown in Figure 2, the payment reimbursement side of described a kind of system for supporting combined payment mode and checkout automatic reimbursement
Method, comprises the following steps：
S1. pay reimbursement processing subsystem preset combined payment expense withhold order；
S2. client passes through payment terminal equipment and pays interacting for reimbursement processing subsystem, and to payment business single mode is chosen
Or various ways combined payment, realize based on the account Prepaid of customer account advance deposit；
S3. pay reimbursement processing subsystem preserve supplement with money during per payment expense rating and its corresponding means of payment and
Payment account；
S4. client during hotel stays at an inn, financial settlement subsystem is calculated in real time the business consumption information of client；
S5. service sub-system manages the business consumption information that subsystem is calculated according to financial settlement, with reference to the expense button of setting
Money order is withholdd to customer account；
S6. client initiates refund request, and the expense that payment reimbursement subsystem has not consumed per is according to its corresponding payer
Formula and account are return.
As shown in Figure 3, described step S2 includes following sub-step：
S21. client initiates business payment by payment terminal equipment, and all means of payment of system demonstration supply customer selecting, client
Single mode or combined payment mode can be selected to pay the bill；
S22. payment terminal equipment is interacted with reimbursement processing subsystem is paid, and shows the cost information of current business, and described takes
Include the amount of money that the total amount that need to be paid, current way pay, the amount of money to be paid, and the available means of payment with information；
S23. customer selecting single payment mode, and it is determined that being paid after single payment expense, paying reimbursement subsystem will
The expense of single payment is supplemented with money in customer account；
S24. judge whether the amount of money to be paid is paid off：
（1）If the amount of money to be paid is paid off, into step S25；
（2）If the amount of money to be paid is not paid off, return to step S22；
S25. show that business pays successful and total payment in payment terminal equipment.
Described step S6 includes following sub-step：
S61. client initiates refund request, pays reimbursement processing subsystem and judges whether client meets reimbursement condition；
（1）If client meets reimbursement condition, into step S62；
（2）If client is unsatisfactory for reimbursement condition, refuse the refund request of client；
S62. pay reimbursement processing subsystem and remaining per payment cost balance in customer account is inquired about from client's subsystem
And its corresponding means of payment and payment account, client is returned to by reimbursement module.
The payment Withdrawing method of described a kind of system for supporting combined payment mode and checkout automatic reimbursement, also including disappearing
Breath pushes step：
In combined payment success, pay to pushes customer and successfully remind and pay managing detailed catalogue；
It is detailed to pushes customer consumption information when carrying out consumption to customer account and withholing；
In reimbursement success, all of consumption information of process of successfully reminding to pushes customer reimbursement and stay at an inn is detailed.
In this application client can carry out Prepaid by payment terminal to account, to realize the reservation of hotel guest room
Or when continuing to pay dues, can by payment of paying in cash, swipe the card, barcode scanning payment, e-Bank payment, integration pay or Third-party payment come
Carry out；The species payment terminal type determination of the means of payment, for example,
PC terminals can support Third-party payment, integration payment, e-Bank payment, bar code payment etc.（For member/frequent customer
Speech, can be with pending accounts etc.）；Intelligent movable handheld terminal can support Third-party payment, integration payment, e-Bank payment, bar code
Pay etc.；Guest room television terminal supports Third-party payment, integration payment, e-Bank payment, bar code payment etc.；Self-service machine terminal supports the
Tripartite pays, integrates payment, e-Bank payment, bar code pays, pays in cash, bank card pays etc..
When client is predetermined or continues to pay dues, the time is moved according to its room type for selecting, need to pay corresponding pre-payment
With supplementing with money to account, but in current prior art, client can only select a kind of means of payment, such as user when paying
Paid from bank card, if Sorry, your ticket has not enough value for bank card, can Payment Failed, client often may require that and takes some time
The amount of money of other payment approach is transferred in bank card, this just brings very big inconvenience to client；
But, in this application, during a kind of means of payment of customer selecting, even if Sorry, your ticket has not enough value, it is also possible to first prop up and cash without discount payment in part, then
The remaining amount of money to be paid is shown, is proceeded to pay by customer selecting other modes, it is known that till paying off, improve and handle effect
Rate；On this basis, the application pay reimbursement processing subsystem can also record and preserve supplement with money during per payment
Expense rating and its corresponding means of payment and payment account；During hotel stays at an inn, service sub-system is according to finance for client
The business consumption information that settlement management subsystem is calculated, withholds with reference to the expense for setting and sequentially customer account is withholdd,
When client checks out, then by reimbursement module（Reimbursement module is probably to call Third-party payment/reimbursement platform interface, some situations
Lower hotel cannot account reimbursement is carried out to account, such as bank transfer intermediate link etc. need to be passed through）, by the expense do not consumed
Return according to its corresponding means of payment and account（If the expense paid in cash has not been consumed, then client is reminded to do to sales counter
Reason reimbursement）, it is convenient to the management in hotel.
Claims (9)
- It is 1. a kind of to support combined payment mode and the system of automatic reimbursement of settling accounts, it is characterised in that：Including payment terminal equipment, prop up Pay reimbursement processing subsystem, customer account subsystem, financial settlement subsystem and service sub-system；Described payment reimbursement is processed Subsystem, customer account subsystem, financial settlement subsystem and service sub-system are interconnected；The payment reimbursement processes subsystem System is also connected with payment terminal equipment；Described payment terminal equipment is used to handle entrance for what client provided combined payment；Described payment reimbursement processes subsystem Unite for the payment information for recording when client is combined payment by payment terminal equipment to business, and set combined payment Expense is withholdd sequentially, realizes that customer account is supplemented with money and reimbursement；Described customer account subsystem is used to provide customer account information； Described financial settlement subsystem is used to calculate the business consumption information of client；Described service sub-system is used for basis The business consumption information for calculating, in customer account subsystem, to withhold sequentially realize and withholds according to the expense of setting.
- 2. it is according to claim 1 it is a kind of support combined payment mode and checkout automatic reimbursement system, it is characterised in that： Described combined payment include pay in cash, payments of swiping the card, barcode scanning payments, e-Bank payment, integrate payment and Third-party payment in One or more of combination.
- 3. it is according to claim 1 it is a kind of support combined payment mode and checkout automatic reimbursement system, it is characterised in that： Described checkout automatic reimbursement system also include message push subsystem, for pushes customer pay successful information, reimbursement into Work(information or real time business consumption information.
- 4. it is according to claim 1 it is a kind of support combined payment mode and checkout automatic reimbursement system, it is characterised in that： Described payment reimbursement processing subsystem includes：Order setting module, the expense for setting combined payment is withholdd sequentially；Account charging module, for interacting with payment terminal, realization carries out prepayment and fills in the way of combined payment to customer account Value；Information logging modle, for recording disbursement letter when client is combined payment by payment terminal equipment to single business Breath, described payment information includes used terminal equipment, the selected means of payment, payment account letter corresponding to every kind of means of payment Breath, the payment corresponding to each payment account, combined payment total amount；Reimbursement module, for when client initiates reimbursement application, the expense that per has not been consumed to be according to its corresponding payer The account of formula is return.
- 5. it is according to claim 1 it is a kind of support combined payment mode and checkout automatic reimbursement system, it is characterised in that： Described payment terminal equipment includes but is not limited to PC terminals, intelligent movable handheld terminal, guest room television terminal and self-service machine end End.
- 6. a kind of as described in any one in claim 1 ~ 5 supports combined payment mode with the system of checkout automatic reimbursement Pay Withdrawing method, it is characterised in that：Comprise the following steps：S1. pay reimbursement processing subsystem preset combined payment expense withhold order；S2. client passes through payment terminal equipment and pays interacting for reimbursement processing subsystem, and to payment business single mode is chosen Or various ways combined payment, realize based on the account Prepaid of customer account advance deposit；S3. pay reimbursement processing subsystem preserve supplement with money during per payment expense rating and its corresponding means of payment and Payment account；S4. client during hotel stays at an inn, financial settlement subsystem is calculated in real time the business consumption information of client；S5. service sub-system manages the business consumption information that subsystem is calculated according to financial settlement, with reference to the expense button of setting Money order is withholdd to customer account；S6. client initiates refund request, and the expense that payment reimbursement subsystem has not consumed per is according to its corresponding payer Formula and payment account are return.
- 7. the payment reimbursement of the system of combined payment mode and checkout automatic reimbursement is supported according to a kind of described in claim 6 Method, it is characterised in that：Described step S2 includes following sub-step：S21. client initiates business payment by payment terminal equipment, and all means of payment of system demonstration supply customer selecting, client Single mode or combined payment mode can be selected to pay the bill；S22. payment terminal equipment is interacted with reimbursement processing subsystem is paid, and shows the cost information of current business, and described takes Include the amount of money that the total amount that need to be paid, current way pay, the amount of money to be paid, and the available means of payment with information；S23. customer selecting single payment mode, and it is determined that being paid after single payment expense, paying reimbursement subsystem will The expense of single payment is supplemented with money in customer account；S24. judge whether the amount of money to be paid is paid off：（1）If the amount of money to be paid is paid off, into step S25；（2）If the amount of money to be paid is not paid off, return to step S22；S25. show that business pays successful and total payment in payment terminal equipment.
- 8. the payment reimbursement of the system of combined payment mode and checkout automatic reimbursement is supported according to a kind of described in claim 6 Method, it is characterised in that：Described step S6 includes following sub-step：S61. client initiates refund request, pays reimbursement processing subsystem and judges whether client meets reimbursement condition；（1）If client meets reimbursement condition, into step S62；（2）If client is unsatisfactory for reimbursement condition, refuse the refund request of client；S62. pay reimbursement processing subsystem and remaining per payment cost balance in customer account is inquired about from client's subsystem And its corresponding means of payment and payment account, client is returned to by reimbursement module.
- 9. the payment reimbursement of the system of combined payment mode and checkout automatic reimbursement is supported according to a kind of described in claim 6 Method, it is characterised in that：Also include that message pushes step：In combined payment success, pay to pushes customer and successfully remind and pay managing detailed catalogue；It is detailed to pushes customer consumption information when carrying out consumption to customer account and withholing；In reimbursement success, all of consumption information of process of successfully reminding to pushes customer reimbursement and stay at an inn is detailed.
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| CN201610974959.4A CN106651350A (en) | 2016-11-07 | 2016-11-07 | System and method supporting combined payment manner and settlement automatic refund |
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| CN201610974959.4A CN106651350A (en) | 2016-11-07 | 2016-11-07 | System and method supporting combined payment manner and settlement automatic refund |
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| CN107563747A (en) * | 2017-08-31 | 2018-01-09 | 拉卡拉支付股份有限公司 | For being combined the method and device of payment |
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| CN109345322A (en) * | 2018-08-06 | 2019-02-15 | 阿里巴巴集团控股有限公司 | Capital settlement method, apparatus and computer equipment |
| CN109598491A (en) * | 2018-11-21 | 2019-04-09 | 国网浙江电动汽车服务有限公司 | The public operating service platform multi-operator of electric car directly pays system |
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| CN109949147A (en) * | 2019-02-14 | 2019-06-28 | 口碑(上海)信息技术有限公司 | Business information processing method, device, system, storage medium and computer equipment |
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