CN107480976A - One kind integration payment unions method and system - Google Patents
One kind integration payment unions method and system Download PDFInfo
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- CN107480976A CN107480976A CN201710727897.1A CN201710727897A CN107480976A CN 107480976 A CN107480976 A CN 107480976A CN 201710727897 A CN201710727897 A CN 201710727897A CN 107480976 A CN107480976 A CN 107480976A
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- G—PHYSICS
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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
- G06Q30/00—Commerce
- G06Q30/02—Marketing; Price estimation or determination; Fundraising
- G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
- G06Q30/0208—Trade or exchange of goods or services in exchange for incentives or rewards
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- G—PHYSICS
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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
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
- G06Q30/0633—Lists, e.g. purchase orders, compilation or processing
- G06Q30/0635—Processing of requisition or of purchase orders
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07G—REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
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Abstract
The invention discloses one kind to integrate payment unions method and system, is paid service end by Unionpay's POS end, third party Unionpay service end, integration connection and is formed.The present invention is to realize that Unionpay withholds in existing Unionpay's standard POS, integrate payment unions mode, the integration for making user be obtained in different trade companies can use in different trade companies, and realize the single cross of Unionpay's POS one it is easy in realize overall realization that electronic virtual currency, electronic coupons, bank's amount of money withholds, bring the more preferable consumption experience of user.
Description
Technical field
The present invention relates to payment technical field, more particularly to a kind of integration payment unions method and system.
Background technology
With the development of financial circles, almost each consumer has the bank account of oneself in society, in process of consumption,
Each consumer can possess the points account of different integration channels, wherein including more or less integration, such as Unionpay's cap product
Point and reward voucher etc..But most consumers can only solely make under given conditions when being consumed under entering line
Do not paid with a certain points account using points account even.The points account of consumer is in idle state mostly,
Integration even in these points accounts was all not used until expired.The main reason for causing this phenomenon is these products
Divide payment and the management method of account not convenient：For the manager of points account, such as telecom operators, bank, manager
Need to look for trade company to negotiate in person, can be used by increasing the mode such as terminal device points account in specified trade company；For
The user of points account is consumers in general, because points account and bank account can not be used in mixed way, so consumer is only
Spending limit limited on points account can be used to be consumed, or be consumed on the commodity specified.Just because of traditional quadrature
The limitation of the means of payment causes integration and reward voucher to be used under extremely limited occasion, is not reaching to promotion and disappears
Take, activate the initial purpose in market.
The content of the invention
The defects of for prior art, the present invention proposes a kind of more integration payment unions method, to solve the integration of user
Integration inconvenient problem with use in account.
To achieve the above object, integration payment unions method proposed by the present invention, this method are based on more points account services
End, third party Unionpay service end, integrate payment unions service end and Unionpay's POS terminal to realize, the integration payment unions
Method comprises the following steps：
S10：User profile is sent to integration payment unions service end, integration payment unions service end is according to user profile
Establish the service protocol with the user information correlation.Wherein, user profile includes：Bank Account Number, it is associated with bank account
Points account.
S20：Establish Unionpay's POS terminal, third party Unionpay service end, the communication connection for integrating payment unions service end three
System, integration payment unions service end synchronously send the user profile of reception to third party Unionpay service end.
S30：Unionpay's POS terminal is initiated to pay request by the Bank Account Number in user profile to third party Unionpay service end
Afterwards, third party Unionpay service end according to user profile inquire about the user integration payment unions service end database in whether have
The service protocol corresponding with the user,
If not inquiring the service protocol corresponding with the user, third party Unionpay service end carries out non-integration joint
Pay,
The service protocol corresponding with the user is inquired if having, third party Unionpay service end takes to integration payment unions
Business end sends integration payment unions request, and is paid by the third party Unionpay service end processing interchanger reality button amount of money, integration joint
The preferential amount of money corresponding to payment services end processing integration is paid.
Preferably, in step S30：If there is the service protocol inquired with the user information correlation, third party Unionpay clothes
End be engaged in integration payment unions service end transmission integration inquiry request, integrates payment unions service end and receives integration inquiry request simultaneously
Whether there is integration in integration account in searching user's information,
If there is integration, third party Unionpay service end sends integration payment unions request to integration payment unions service end,
By third party Unionpay service end processing interchanger, the button amount of money, integration payment unions service end handle the preferential amount of money corresponding to integration in fact
Pay,
If not integrating, third party Unionpay service end is sent without usable integration information, Unionpay POS to Unionpay's POS terminal
Terminal receives after integration information can be used in nothing and shows integration payment unions failure, and initiates non-integration to third party Unionpay service end
Payment unions are asked, and third party Unionpay service end receives non-integration payment unions and asks and carry out non-integration payment unions.
Preferably, in step S30:After integrating the reception integration payment unions request of payment unions service end, by user integral
Integral Transformation in account is the preferential amount of money corresponding to the integration, generates form, delivers trust bank's clothes of integration channel mechanism
Business end, and asked to the payment after the preferential amount of money of third party Unionpay service end initiation.
Third party Unionpay service end receives the payment request after the preferential amount of money, and the button amount of money is paid processing interchanger in fact, and to
Integrate payment unions service end and send total mark of consumption generation request.
Integrate payment unions service end and request is generated according to total mark of consumption, calculate the integration that the real button amount of money is generated, and will
The integration is sent to the integration account of user.
Integrate the transfer request that payment unions service end initiates the preferential amount of money to trust bank's service end, trust bank's service
The preferential amount of money is transferred accounts to third party Unionpay service end after receiving transfer request at end.
Third party Unionpay service end carries out preferential amount of money payment after receiving the preferential amount of money, and sends integration payment unions success
Information after Unionpay's POS terminal receives integration payment unions successful information, shows to Unionpay's POS terminal and prints Unionpay Zhi Fuyu
Integrate the detailed POS sales slips of payment transaction.
Preferably, in addition to step S40：When Unionpay's POS terminal is silver-colored to third party by the Bank Account Number in user profile
When connection service end integration payment unions remove single request, third party Unionpay service end is removed to integration payment unions service end transmission processing
Single request, integration payment unions service end carry out removing single processing,
Handled successfully if removing list, integrate payment unions service end to third party Unionpay service end returned data, Unionpay POS
Terminal, which is shown, removes single object information,
If removing single failure, third party Unionpay service end sends the positive request of punching to integration payment unions service end and rushed
Just.
Preferably, in addition to step S50：According to reconciliation timing node, integration payment unions service end will be converged per Day Trading
Always it is sent to third party Unionpay service end, the every Day Trading summary information and database purchase that third party Unionpay service end will obtain
Data carry out reconciliation, the uneven part of reconciliation is communicated by third party Unionpay service end with integrating payment unions service end,
Integration payment unions service end is settled accounts.
The present invention also proposes integration payment unions system used in a kind of integration payment unions method, and the system includes：
Unionpay's POS terminal, it is used to initiate transaction request, the information currently merchandised is read and preserve, with third party Unionpay
End communication is serviced, prints sales slip；
Third party Unionpay service end, it is used to analyze the payment request that Unionpay's POS terminal uploads, with integration payment unions clothes
Business end communication, identification integration payment unions, processing interchanger are detained the amount of money and paid in fact；
Payment unions service end is integrated, it is used for managing user information, and end communication, processing integration are serviced with third party Unionpay
The corresponding preferential amount of money is paid.
Preferably, Unionpay's POS terminal includes：
Information reading module, it is used to read the Bank Account Number after user card punching；
Data processing module, it is used for according to user profile and merchant information generation pay invoice；
First communication module, it is used to carrying out communication with third party Unionpay service end being connected, and the information sent is added
It is close, the information that POS terminal receives is decrypted；
Input module, it, which is used to pay in generation, asks, removes single request；
Display module, it is used to show third party Unionpay service end feedack；
Print module, it is used for after the completion of printing is paid the POS sales slips for paying detail；
First memory module, it is used to store user profile, interchanger name in an account book, Unionpay's card number, branch temporarily in payment period
Pay the amount of money, the payment information of trade name.
Preferably, third party Unionpay service end includes：
Second memory module, it is used to store user profile and merchant information；
Second communication module, it is used to carry out communication with Unionpay's POS terminal and integration payment unions service end and be connected, and right
The information sent in communication process is encrypted, the information received is decrypted；
First information enquiry module, it is used to whether inquire about the user with integrating payment unions service end according to user profile
Establish service protocol；
First payment processes module, it is used to handle interchanger button amount of money payment in fact.
Preferably, integration payment unions service end includes：
3rd memory module, it is used to store user profile and merchant information；
3rd communication module, it is used to carry out necessary lead to the trust bank of third party Unionpay service end and integration channel
News, and the information to being sent in communication process is encrypted, the information of reception is decrypted；
Second information inquiry module, it is used for the integration situation for inquiring about user；
Second payment processes module, it is used to integrate corresponding preferential amount of money payment；
Settlement module, it is used to collect every Day Trading the part of middle reconciliation injustice and settled accounts.
Preferably, user profile includes：Bank account, the points account associated with bank account.
The beneficial effects of the present invention are：Unionpay Zhi Fuyu integration payment unions are realized in Unionpay's POS terminal terminal
Mode, the integration that user obtains in different trade companies is set to be used in any trade company using integration payment unions system.When with
When family is paid by Unionpay's POS terminal, the preferential amount of money of the integrated forms such as electronic virtual currency, electronic coupons can be carried out
With the payment unions of interchanger, solves user integral account caused by user integral account and bank account can not be used in mixed way
The problem of interior integration is using being limited.
Brief description of the drawings
In order to illustrate more clearly about the embodiment of the present invention or technical scheme of the prior art, below will be to embodiment or existing
There is the required accompanying drawing used in technology description to be briefly described, it should be apparent that, drawings in the following description are only this
Some embodiments of invention, for those of ordinary skill in the art, on the premise of not paying creative work, can be with
Structure according to these accompanying drawings obtains other accompanying drawings.
Fig. 1 is the schematic diagram of present invention integration payment unions method；
Fig. 2 is the structure chart of present invention integration payment unions system；
Fig. 3 is the structural representation of Unionpay's POS terminal；
Fig. 4 is the structural representation of third party Unionpay service end；
Fig. 5 is the structural representation of integration payment unions service end；
Fig. 6 is the structure chart that trade company manages subsystem；
Embodiment
Below in conjunction with accompanying drawing, the present invention is described in further detail.
Embodiment one
Reference picture 1, Fig. 1 are the schematic diagram of present invention integration payment unions method.
As shown in figure 1, the integration payment unions method specifically comprises the following steps：
S10：User profile is sent to integration payment unions service end 300, integration payment unions service end 300 according to
Family information establishes the service protocol with the user information correlation.Wherein, user profile includes：Bank Account Number, with bank account phase
The points account of association.
In step slo, user, which passes through, logs in integration payment unions service end 300, there is provided my Bank Account Number and
The points account information associated with bank account, service protocol is signed with integration payment unions service end 300.
S20：Establish Unionpay's POS terminal 100, third party Unionpay service end 200, the three of integration payment unions service end 300
Communication contact, integration payment unions service end 300 synchronously sends the user profile of reception to third party Unionpay service end
200。
In step S20, user profile is passed through into third party Unionpay service end by integrating payment unions service end 300
200 are stored in the database of third party Unionpay service end 200, ensure third party Unionpay service end 200 and integration payment unions clothes
Business end 300 is owned by the bank account information of identical user.
S30：Unionpay's POS terminal 100 initiates branch by the Bank Account Number in user profile to third party Unionpay service end 200
After paying request, third party Unionpay service end 200 inquires about number of the user in integration payment unions service end 300 according to user profile
According to whether there is the service protocol corresponding with the user in storehouse,
If not inquiring the service protocol corresponding with the user, third party Unionpay service end 200 carries out non-integration
Payment unions, i.e., common Unionpay's POS terminal 100 are paid,
The service protocol corresponding with the user is inquired if having, third party Unionpay service end 200 combines branch to integration
Pay service end 300 and send integration payment unions request, and interchanger button amount of money branch in fact is handled by third party Unionpay service end 200
Pay, integration payment unions service end 300 handles the preferential amount of money corresponding to integration and paid.
User is by being integrated account, the information of Bank Account Number is sent to integration payment unions service end 300, with integration
Payment unions service end 300 signs service protocol, and the service protocol is used to authorize integration payment unions service end 300 to pass through user
Bank Account Number inquiry and using user points account in integration.As a result, user is passing through Unionpay's POS terminal
During 100 progress bankcard consumption, integration payment can be carried out by integrating payment unions service end 300 simultaneously.
Further, in step s 30：If there is the service protocol inquired with the user information correlation, third party's silver
Join service end 200 and send integration inquiry request to integration payment unions service end 300, integration payment unions service end 300 receives
Whether there is integration in integration account in integration inquiry request and searching user's information,
If there is integration, third party Unionpay service end 200 sends integration payment unions to integration payment unions service end 300
Request, the interchanger button amount of money in fact is handled by third party Unionpay service end 200, integration payment unions service end 300 handles integration pair
The preferential amount of money answered is paid,
If not integrating, third party Unionpay service end 200 is sent without usable integration information, silver to Unionpay's POS terminal 100
Connection POS terminal 100 is received without show that integration payment unions fail after integration information can be used, and to third party Unionpay service end
200 initiate non-integration payment unions request, and third party Unionpay service end 200 receives non-integration payment unions and asks and carry out non-product
Divide payment unions.
In the present embodiment, third party Unionpay service end 200 by Unionpay's account of user come inquire about the user whether with
Integration payment unions service end 300 establishes service protocol, and it is that to carry out integrating payment unions be also non-product quickly to judge the user
Divide payment unions, improve the efficiency of non-integration payment unions.In payment process, by further inquiring about the product in points account
The situation of dividing, the preferential amount of money is corresponded to call the integration in the different integration accounts of user to carry out integration with the integration situation according to user
Payment, improve the utilization rate of user integral.
In the present embodiment, in step S30:, will after integrating the reception integration payment unions request of payment unions service end 300
Integral Transformation in user integral account is the preferential amount of money corresponding to the integration, generates form, delivers the support of integration channel mechanism
Pipe bank service end, and the payment request after initiating the preferential amount of money to third party Unionpay service end 200.
Third party Unionpay service end 200 receives the payment request after the preferential amount of money, and the button amount of money is paid processing interchanger in fact, and
Total mark of consumption generation request is sent to integration payment unions service end 300.
Integrate payment unions service end 300 and request is generated according to total mark of consumption, calculate the integration that the real button amount of money is generated, and
The integration is sent to the integration account of user.
Integrate the transfer request that payment unions service end 300 initiates the preferential amount of money to trust bank's service end, i.e. integration branch
Pay, trust bank's service end transfers accounts the preferential amount of money to third party Unionpay service end 200 after receiving transfer request.
Third party Unionpay service end 200 carries out preferential amount of money payment after receiving the preferential amount of money, and sends integration payment unions
Successful information after Unionpay's POS terminal 100 receives integration payment unions successful information, shows and printed to Unionpay's POS terminal 100
The detailed POS sales slips of Unionpay Zhi Fuyu integration payment transactions.
Because integration is to integrate channel authority releases by different, therefore integration payment unions service end 300 need to be to product
The preferential amount of money corresponding to point is calculated, and generation form hands to the trust bank of integration channel mechanism, by integrating channel machine
The trust bank of structure transfers accounts the corresponding preferential amount of money to third party Unionpay service end 200, completes integration payment unions.Meanwhile
Integration payment unions service end 300 is also needed to calculate caused by the amount of money that third party Unionpay pays in this consumption and integrated, and with
The form of integration is sent to the points account of user.In the present embodiment, the first silver by third party Unionpay service end 200 from user
The payment gone after the preferential amount of money is detained in connection account, gold is paid when integration payment unions service end 300 calculates this Unionpay
Integrated caused by volume and send the integration to the integration account of user, then trust bank's service end by integration channel mechanism
The preferential amount of money corresponding to integration is transferred accounts to third party Unionpay service end 200.
In the present embodiment, the integration payment unions method also includes step S40：When Unionpay's POS terminal 100 passes through user
Bank Account Number in information integrates payment unions to third party Unionpay service end 200 when removing single request, third party Unionpay service end
200 remove single request to the integration transmission of payment unions service end 300 processing, and integration payment unions service end 300 carries out removing single processing,
If remove it is single handle successfully, integrate payment unions service end 300 to the returned data of third party Unionpay service end 200,
Single object information is removed in the display of Unionpay's POS terminal 100,
If removing single failure, third party Unionpay service end 200 sends the positive request of punching to integration payment unions service end 300 and entered
Row punching is just.
In the present embodiment, user can pass through Unionpay's POS terminal 100 within one day after the completion of payment unions are integrated
Initiate integration payment unions and remove list, facilitate user to adjust integration consumption pattern, reasonable employment integration.
In the present embodiment, the integration payment unions method also includes：According to reconciliation timing node, integration payment unions clothes
Business end 300 will be collected by FTP (File Transfer Protocol, FTP) per Day Trading is sent to third party
Unionpay's service end 200, third party Unionpay service end 200 enter the data of obtained every Day Trading summary information and database purchase
Row reconciliation, the uneven part of reconciliation are communicated by third party Unionpay service end 200 and integration payment unions service end 300, product
Payment unions service end 300 is divided to be settled accounts.
Settled accounts by the integration payment unions for integrating the points account different to user of payment unions service end 300,
Trade company is facilitated to carry out unified clearing.In addition, by third party Unionpay service end 200 and integration payment unions service end 300 it
Between carry out daily reconciliation so that third party Unionpay service end 200 to integration payment unions service end 300 send punching positive request when can
Positive information, which will be rushed, is back to Unionpay's POS terminal 100 simultaneously, just please without waiting integration payment unions service end 300 to handle punching
Ask, drastically increase the efficiency of business processing.
Compared with prior art, the present invention realizes Unionpay Zhi Fuyu integrations payment unions side in Unionpay's POS terminal 100
Formula, the integration that user obtains in different trade companies is set to be used in any trade company using integration payment unions system.Work as user
When being paid by Unionpay's POS terminal 100, the preferential gold of the integrated forms such as electronic virtual currency, electronic coupons can be carried out
The payment unions of volume and interchanger, solves user integral account caused by user integral account and bank account can not be used in mixed way
The problem of indoor integration is using being limited.
Embodiment two
Reference picture 2-6, Fig. 2 are the structure chart of present invention integration payment unions system, and Fig. 3 is the structure of Unionpay's POS terminal
Schematic diagram, Fig. 4 are the structural representation of third party Unionpay service end, and Fig. 5 is the structural representation of integration payment unions service end,
Fig. 6 is the structure chart that trade company manages subsystem.
As shown in Fig. 2 the present invention also provides a kind of integration payment unions system for integrating payment unions method, it includes：
Unionpay's POS terminal 100, third party Unionpay service end 200, integration payment unions service end 300.
Wherein, Unionpay's POS terminal 100 is used to initiate transaction request, the information currently merchandised is read and preserve, with third party
Unionpay's service end 200 communicates, and prints sales slip.Specifically, as shown in figure 3, Unionpay's POS terminal 100 includes：Used for reading
Family swipe the card after Bank Account Number information reading module 110, for generating pay invoice according to user profile and merchant information
Data processing module 120, for carrying out communication the first communication module 130 of connection with third party Unionpay service end 200, for
Generation pays request, removes the input module 140 singly asked, for showing the aobvious of the feedack of third party Unionpay service end 200
Show module 150, the print module 160 of the POS sales slips of detail is paid after the completion of being paid for printing, for facing in payment period
When store user profile, interchanger name in an account book, Unionpay's card number, payment, trade name payment information the first memory module
170.User profile includes：Bank account, the points account associated with bank account.In the present embodiment, Unionpay's POS terminal
100 can also use existing Unionpay's POS.
Third party Unionpay service end 200 is used for the payment request for analyzing the upload of Unionpay's POS terminal 100, combines branch with integration
Pay service end 300 to communicate, identification integration payment unions, the button amount of money is paid processing interchanger in fact.Specifically, as shown in figure 4, the product
Payment unions service end 300 is divided to include：For storing the second memory module 210 of user profile and merchant information, for silver
Connection POS terminal 100 and integration payment unions service end 300 communicate the second communication module 220 of connection, for according to user
Whether the information inquiry user establishes the first information enquiry module 230 of service protocol with integration payment unions service end 300, uses
In processing interchanger the first payment processes module 240 that the button amount of money is paid in fact.
Integration payment unions service end 300 is used for managing user information, is communicated with third party Unionpay service end 200, processing
The preferential amount of money is paid corresponding to integration.Specifically, as shown in figure 5, the integration payment unions service end 300 includes：For storing
3rd memory module 310 of user profile and merchant information, for third party Unionpay service end 200 and integrating the support of channel
Pipe bank carries out the 3rd communication module 320 of necessary communication, the second information inquiry mould of the integration situation for inquiring about user
Block 330, the second payment processes module 340 paid for integrating the corresponding preferential amount of money, for right in collecting to every Day Trading
The settlement module that the uneven part of account is settled accounts.
In addition, integration payment unions system provided by the invention also includes：Trade company manages subsystem and hard core control
System.
Trade company's management subsystem 400 is used for the essential information for showing trade company, merchandise control, trade management, account management, knot
Management is calculated, member management is promoted with commercial promotions, to realize that comprehensive retail shop manages.As shown in fig. 6, in the present embodiment,
Trade company management subsystem 400 also includes：Trade management module 410 and settlement management module 420.Wherein, trade management module
410 are used to be responsible for the operation for integrating payment unions trade company, and it includes integration transaction unit and payment unions transaction unit.Wherein,
The part that transaction unit is used to pass through in time started, end time, document number, type of transaction and member's Transaction Identification Number is integrated to believe
Every specifying information of breath inquiry integration transaction, and provides integration for trade company and give, integrate and remove single and integrate to buy and operate.Joint
Payment transaction unit is used for the specific letter of items inquired about payment unions by time started, end time and type of service and merchandised
Breath, and the information to inquiring is cancelled, removes list and printing.Settlement management module 420 is used for integrating payment unions
Relevant amount is settled accounts, the transaction of inquiry integration, Unionpay's transaction, integration payment unions, clearing Payment Details and online trading account
The specifying information of money, and generation clearing form according to this.
Hard core control system is used for information management to user and trade company, the importing to Unionpay's data, trade company is integrated into
Row operation management, every data analysis and generation statistical report form in integration payment unions are realized, realizes and is serviced with third party Unionpay
The service interfacing at end 200.The hard core control system is to integrate the core of payment unions background management system, for realizing to integration
The management of each side information in each flow of payment unions.
In the present embodiment, trade company need to integrate payment unions system by logging in, and fill in trade company's items specifying information and submit
To integration payment unions service end 300, service protocol is established with integration payment unions service end 300.Integrate payment unions service
Merchant information is stored in database by end 300, and trade company's items specifying information periodically is passed through into third party Unionpay service end 200
The upload program interface that provides of communication module be stored in the database of third party Unionpay service end 200, ensure third party Unionpay
Service end 200 and integration payment unions service end 300 are owned by identical merchant information.Trade company can manage subsystem by trade company
The integrations such as electronic virtual currency and electronic coupons are managed, integration payment unions Transaction Information is inquired about and counted
Calculate.
The preferable specific embodiment of the present invention is these are only, but protection scope of the present invention is not limited thereto, it is any
Those familiar with the art the change that can readily occur in or replaces in the technical scope that the embodiment of the present invention discloses
Change, should all be covered within protection scope of the present invention, protection scope of the present invention should be defined by scope of the claims.
Claims (10)
1. one kind integration payment unions method, this method is based on Unionpay's POS terminal, third party Unionpay service end and integration connection
Close payment services end to realize, it is characterised in that this method comprises the following steps：
S10：User profile is sent to integration payment unions service end, the integration payment unions service end is according to the user
Information establishes the service protocol with the user information correlation；Wherein, the user profile includes：Bank Account Number, with the bank
The associated points account of account；
S20：Establish Unionpay's POS terminal, third party Unionpay service end, the communication contact for integrating payment unions service end three, product
Payment unions service end is divided synchronously to send the user profile of reception to third party Unionpay service end；
S30：Unionpay's POS terminal is initiated after paying request by the Bank Account Number in user profile to third party Unionpay service end,
Third party Unionpay service end according to user profile inquire about the user integration payment unions service end database in whether have with
The corresponding service protocol of the user,
If not inquiring the service protocol corresponding with the user, third party Unionpay service end carries out non-integration joint branch
Pay,
Inquire the service protocol corresponding with the user if having, third party Unionpay service end to integration payment unions service end
Integration payment unions request is sent, and the button amount of money is paid in fact by third party Unionpay service end processing interchanger, integrates payment unions
The preferential amount of money corresponding to service end processing integration is paid.
2. integration payment unions method according to claim 1, it is characterised in that
In step S30：If there is the service protocol inquired with the user information correlation, third party Unionpay service end joins to integration
Close payment services end and send integration inquiry request, integration payment unions service end receives integration inquiry request and searching user's information
In integration account in whether have integration,
If there is integration, third party Unionpay service end sends integration payment unions request to integration payment unions service end, by the
The button amount of money, integration payment unions service end handle preferential amount of money branch corresponding to integration to tripartite Unionpay service end processing interchanger in fact
Pay,
If not integrating, third party Unionpay service end is sent without usable integration information, Unionpay's POS terminal to Unionpay's POS terminal
Receive after integration information can be used in nothing and show integration payment unions failure, and initiate non-integrate to third party Unionpay service end and combine
Request is paid, third party Unionpay service end receives non-integration payment unions and asks and carry out non-integration payment unions.
3. integration payment unions method according to claim 1, it is characterised in that
In step S30:After integrating the reception integration payment unions request of payment unions service end, by the integration in user integral account
Be converted to the preferential amount of money corresponding to the integration, generate form, deliver trust bank's service end of integration channel mechanism, and to the 3rd
Fang Yinlian service ends initiate the payment request after the preferential amount of money；
Third party Unionpay service end receives the payment request after the preferential amount of money, and the button amount of money is paid processing interchanger in fact, and to integration
Payment unions service end sends total mark of consumption generation request；
Integrate payment unions service end and request is generated according to total mark of consumption, calculate the integration that the real button amount of money is generated, and this is accumulated
Distribution is delivered in the integration account of user；
Integrate the transfer request that payment unions service end initiates the preferential amount of money to trust bank's service end, trust bank's service termination
The preferential amount of money is transferred accounts to third party Unionpay service end after receiving transfer request；
Third party Unionpay service end carries out preferential amount of money payment after receiving the preferential amount of money, and sends integration payment unions successful information
To Unionpay's POS terminal, after Unionpay's POS terminal receives integration payment unions successful information, show and print Unionpay Zhi Fuyu integrations
The detailed POS sales slips of payment transaction.
4. integration payment unions method according to claim 1, in addition to step S40：When Unionpay, POS terminal passes through user
Bank Account Number in information to third party Unionpay service end integration payment unions remove single request when, third party Unionpay service end vector product
Payment unions service end transmission processing is divided to remove single request, integration payment unions service end carries out removing single processing,
Handled successfully if removing list, integrate payment unions service end to third party Unionpay service end returned data, Unionpay's POS terminal
Single object information is removed in display,
If removing single failure, third party Unionpay service end sends the positive request of punching to integration payment unions service end and rushed just.
5. the integration payment unions method according to Claims 1 to 4 any one, in addition to step S50：During according to reconciliation
Intermediate node, integration payment unions service end will collect per Day Trading is sent to third party Unionpay service end, the service of third party Unionpay
Obtained every Day Trading summary information and the data of database purchase are carried out reconciliation by end, and the uneven part of reconciliation is by third party's silver
Connection service end is communicated with integration payment unions service end, and integration payment unions service end is settled accounts.
A kind of 6. integration payment unions system used in any integration payment unions method of right 1~5, it is characterised in that bag
Include：
Unionpay's POS terminal, for initiating transaction request, the information currently merchandised is read and preserves, with third party Unionpay service end
Communication, print sales slip；
Third party Unionpay service end, the payment request uploaded for analyzing Unionpay's POS terminal, with integrating payment unions service
End communication, identification integration payment unions, the button amount of money is paid processing interchanger in fact；
Payment unions service end is integrated, for managing user information, end communication, processing integration pair are serviced with the third party Unionpay
The preferential amount of money answered is paid.
7. integration payment unions system according to claim 6, it is characterised in that Unionpay's POS terminal includes：
Information reading module, for reading the Bank Account Number after user card punching；
Data processing module, for generating pay invoice according to user profile and merchant information；
First communication module, it is connected, the information sent is encrypted, to institute for carrying out communication with third party Unionpay service end
The information that POS terminal receives is stated to be decrypted；
Input module, for paying request in generation, removing single request；
Display module, for showing the third party Unionpay service end feedack；
Print module, the POS sales slips of detail are paid after the completion of being paid for printing；
First memory module, for payment period store temporarily user profile, interchanger name in an account book, Unionpay's card number, payment,
The payment information of trade name.
8. integration payment unions system according to claim 6, it is characterised in that the third party Unionpay service end bag
Include：
Second memory module, for storing user profile and merchant information；
Second communication module, for carrying out communication with Unionpay's POS terminal and integration payment unions service end and being connected, and to communicating
The information sent in journey is encrypted, the information received is decrypted；
First information enquiry module, for according to user profile inquire about the user whether with integration payment unions service end establish industry
Business agreement；
First payment processes module, for handling interchanger, the button amount of money is paid in fact.
9. integration payment unions system according to claim 6, it is characterised in that the integration payment unions service end bag
Include：
3rd memory module, for storing user profile and merchant information；
3rd communication module, for carrying out necessary communication with the trust bank of third party Unionpay service end and integration channel, and
The information sent in communication process is encrypted, the information of reception is decrypted；
Second information inquiry module, for inquiring about the integration situation of user；
Second payment processes module, paid for integrating the corresponding preferential amount of money；
Settlement module, settled accounts for collecting the uneven part of middle reconciliation to every Day Trading.
10. the integration payment unions system according to claim 6~9 any one, it is characterised in that the user profile
Including：Bank account, the points account associated with the bank account.
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| CN110335088A (en) * | 2019-07-10 | 2019-10-15 | 中国工商银行股份有限公司 | Information processing method and its device, electronic equipment and medium |
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