WO2017128680A1

WO2017128680A1 - Transaction processing method and transaction system

Info

Publication number: WO2017128680A1
Application number: PCT/CN2016/093570
Authority: WO
Inventors: 胡卓磊
Original assignee: 上海新卡说信息技术有限公司
Priority date: 2016-01-29
Filing date: 2016-08-05
Publication date: 2017-08-03
Also published as: CN107025545A

Abstract

A transaction processing method and a transaction system, the transaction system includes: a terminal and a transaction server; wherein, the terminal includes: a transaction information unit for receiving or generating the transaction information; a two-dimensional code identification unit for identifying the two dimensional code to obtain the identification information containing the identity information and the rights channel information; the transaction server includes: a receiving unit for receiving the transaction information and the identification information from a terminal ; a parsing unit for parsing the identification information to obtain the identity information and the rights channel information; a calculation unit for generating the actual payment information according to the transaction information, the identity information and the rights channel information; and a communication unit for transmitting the actual payment information to the terminal. The transaction processing method and the transaction system are more efficient.

Description

Transaction processing method and transaction system

The present application claims the priority of the Chinese Patent Application, filed on Jan. 29, 2016, filed on Jan. 29,,,,,,,,,,,,,,,,,,,,,,, .

Technical field

The present invention relates to the field of Internet, and in particular, to a transaction processing method and a transaction system.

Background technique

With the development of network technology, more and more services are provided through the network, and more and more behaviors can be completed through the network, such as querying, making an appointment, purchasing, etc. through the network.

However, as more and more entities are connected to the network, such as merchant platforms, third-party preferential platforms, etc., network transactions are also less efficient.

Summary of the invention

The technical problem solved by the present invention is to improve the efficiency of the trading system.

To solve the above technical problem, an embodiment of the present invention provides a transaction processing method and a transaction system, where the transaction system includes: a terminal and a transaction server; wherein:

The terminal includes:

a transaction information unit adapted to receive or generate transaction information;

a two-dimensional code identifying unit, configured to identify the two-dimensional code to obtain identification information, where the identification information includes identity information and rights channel information;

The transaction server includes:

a receiving unit, configured to receive transaction information and the identification information from the terminal;

a parsing unit adapted to parse the identification information to obtain the identity information and the right Benefit channel information;

a calculating unit, configured to generate actual payment information according to the transaction information, the identity information, and the equity channel information;

And a communication unit adapted to send the actual payment information to the terminal.

Optionally, the transaction system further includes: an equity channel information database, where the equity channel information database records an association relationship between the plurality of equity channel information and the address information thereof;

The computing unit includes:

The address information querying unit is adapted to perform a search in the equity channel information base according to the rights channel information to obtain address information corresponding to the rights channel information;

The rights information obtaining unit is adapted to send the identity information to the rights channel server to which the address information is directed to obtain the rights information associated with the identity information from the rights channel server;

The calculating subunit is adapted to calculate the actual payment information according to the transaction information and the equity information.

Optionally, the two-dimensional code is generated by the rights channel server according to the identity information.

Optionally, the transaction system further includes: an equity information database, where the equity information database includes an equity information sub-library associated with the equity channel information, where the equity information sub-library includes the identity information and Equity information associated with identity information;

The computing unit includes:

The equity query unit is adapted to perform a search in the equity information base according to the equity channel information to determine an associated equity information sub-library, and query the corresponding equity in the equity information sub-library according to the identity information. information;

Optionally, the transaction system further includes: an equity channel server; the transaction server is adapted to periodically query the equity channel server to update the equity information sub-library.

Optionally, the equity information includes discount information and/or point redemption information.

Optionally, the transaction information includes transaction total amount information and equity amount information.

The embodiment of the invention further provides a transaction processing method, including:

Receiving or generating transaction information, and identifying the two-dimensional code to obtain identification information, where the identification information includes identity information and rights channel information;

The transaction server receives transaction information from the terminal and the identification information;

The transaction server parses the identification information to obtain the identity information and the rights channel information;

The transaction server generates actual payment information according to the transaction information, the identity information, and the equity channel information;

The transaction server transmits the actual payment information to the terminal.

Optionally, the generating the actual payment information according to the transaction information, the identity information, and the rights channel information includes:

Performing a search in the equity channel information base according to the rights channel information to obtain address information corresponding to the rights channel information;

Transmitting the identity information to an equity channel server pointed to by the address information to obtain equity information associated with the identity information from the rights channel server;

Calculating the actual payment information according to the transaction information and the equity information;

The equity channel information database records the relationship between multiple rights channel information and its address information.

Performing a search in the equity information database according to the rights channel information to determine an associated equity information sub-library, and querying the corresponding equity information in the equity information sub-library according to the identity information;

Calculating the actual payment information according to the transaction information and the equity information

The equity information database includes an equity information sub-library associated with the equity channel information, and the equity information sub-library includes the identity information and the equity information associated with the identity information.

Compared with the prior art, the technical solution of the embodiment of the present invention has the following beneficial effects:

The terminal obtains the identification information through the two-dimensional code recognition unit, and the transaction server can obtain the identity information and the rights channel information by parsing the identification information, generate the actual payment information through the calculation unit, and send the actual payment information to the terminal. By identifying the two-dimensional code by the terminal to obtain the identification information, the manual operation performed by the terminal can be reduced, thereby improving the efficiency of the transaction system; the transaction server is used to uniformly process the identification information to generate the actual payment information, and the payment information is sent to the terminal, which can be reduced. Different platform differences between multiple entities do not require different processing of the rights channel information and identity information of the terminal, providing a unified interface for the terminal, simplifying terminal operations, and improving the efficiency of the transaction system.

DRAWINGS

1 is a schematic structural diagram of a transaction system in an embodiment of the present invention;

2 is a schematic structural diagram of a terminal according to an embodiment of the present invention;

3 is a schematic structural diagram of a transaction server according to an embodiment of the present invention;

4 is a schematic structural diagram of another transaction system in an embodiment of the present invention;

FIG. 5 is a flow chart of a transaction processing method in an embodiment of the present invention.

detailed description

As mentioned above, with the development of network technology, more and more services are provided through the network, and more and more behaviors can be completed through the network, such as querying, making reservations, purchasing, etc. through the network. However, as more and more entities are connected to the network, such as merchant platforms, third-party preferential platforms, etc., network transactions are also less efficient.

According to the research of the inventor, many merchants and preferential platforms are often involved in the transaction process. Different merchants and preferential platforms correspond to their respective payment and verification systems. In the actual consumption process, it is often necessary to manually generate the preferential platform generated by the preferential platform. Serial code, which is input by the merchant who produces the actual consumption, is not only easy to make mistakes, but also consumes a large labor cost, is inefficient, and has poor real-time performance. The actual consumption point is generally located in the service industry, and the inefficiency of manual entry will also lead to a poor customer experience. In the subsequent analysis and processing based on actual consumption data, it is also inconvenient due to poor real-time performance.

In the embodiment of the present invention, the terminal obtains the identification information by using the two-dimensional code recognition unit, and the transaction server can obtain the identity information and the rights channel information by parsing the identification information, and generate the actual payment information through the calculation unit, and send the actual payment information to the terminal. By identifying the two-dimensional code by the terminal to obtain the identification information, the operation performed by the terminal can be reduced to improve the efficiency of the transaction system; the identification information is processed by the transaction server to generate the actual payment information, and the payment information is sent to the terminal, which can be reduced. The platform difference between multiple entities does not require different manual processing of the corresponding channel information and identity information of the terminal, providing a unified interface for the terminal, simplifying the terminal operation, thereby improving the efficiency of the transaction system.

The above described objects, features, and advantages of the present invention will become more apparent from the detailed description of the embodiments.

1 is a schematic structural diagram of a transaction system in an embodiment of the present invention, and FIG. 2 is a schematic diagram of the present invention. FIG. 3 is a schematic structural diagram of a transaction server according to an embodiment of the present invention, and FIG. 4 is a schematic structural diagram of another transaction system according to an embodiment of the present invention, which is combined with FIG. 1 to FIG. 4 for explanation.

The transaction system can include: a terminal 11 and a transaction server 12.

The terminal 11 may include a transaction information unit 111 adapted to receive or generate transaction information, and a two-dimensional code identification unit 112 adapted to identify the two-dimensional code to obtain identification information, the identification information including identity information and rights channel information.

The transaction information is information corresponding to the specific transaction content, and may include, for example, transaction total amount information and equity amount information. The total transaction amount may be the total amount of the fee generated by the transaction. The equity amount information may be an amount that can enjoy the discount, and may be calculated according to the setting of the merchant where the terminal 11 is located. For example, when the terminal 11 is a terminal of the catering industry, the merchant sets the beverage to not participate in the preferential activity, and the equity amount information is the total amount of consumption minus the amount of the alcohol consumption. Both the transaction total amount information and the equity amount information may be generated by the terminal 11 or received by the terminal 11.

The identity information is an identification identifier corresponding to the user, and may be, for example, a document number, a mobile phone number, a bank card number, a membership card number, and the like.

The rights channel information represents a channel that the user desires or can enjoy the rights, and may be information pointing to the merchant member system or pointing to a certain preferential platform.

The transaction server 12 may include: a receiving unit 31 adapted to receive transaction information from the terminal 11 and the identification information; the parsing unit 32 is adapted to parse the identification information to obtain the identity information and rights channel information; 33. Suitable to generate actual payment information according to the transaction information, identity information and rights channel information; the communication unit 34 is adapted to send the actual payment information to the terminal 11.

The equity information refers to information that the user can influence the final actual payment information in the transaction, and such effects may be discounts, deductions, and the like. In a specific implementation, the equity information may include discount information and/or point redemption information. The equity information can be set by the equity channel server 13, for example, the merchant can set the corresponding channel through the equity channel server 13. The product discounts for different members, or set the point redemption rules; the bank may also set the member point redemption rules through the rights channel server 13; the preferential platform may also set discounts or other preferential rules through the rights channel server 13.

The transaction server 12 can parse the identification information through the parsing unit 32 to obtain the identity information and the equity channel information. Since the rights channel information represents the channel that the user desires to enjoy the rights, the different rights channel information can point to different equity information bases 15, and combine The identity information queries the equity information database 15, and the transaction server 12 can determine the discount that the user can enjoy, so that the discount can be used to perform a discount calculation, a deduction calculation, or other similar calculation on the portion of the equity amount information to generate an actual payment. information.

In a specific implementation, the transaction system may further include: an equity channel information base 14 that records an association relationship between the plurality of rights channel information and the address information thereof.

The calculating unit 33 may include:

The address information querying unit is adapted to perform a search in the equity channel information base 14 according to the rights channel information to obtain address information corresponding to the rights channel information;

The rights information obtaining unit is adapted to send the identity information to the rights channel server 13 to which the address information is directed to obtain the rights information associated with the identity information from the rights channel server 13;

The transaction server 12 can provide a unified interface for the terminal 11 so that the terminal 11 does not need to be directly established with different preferential platforms or member systems. To connect, the terminal 11 only needs to provide transaction information, rights channel information and identity information, and the transaction server 12 can return the actual payment information to the terminal 11, thereby reducing the operation of the terminal 11; using the transaction server 12 to provide a unified interface and generating actual Payment information also further enhances the efficiency of the entire system.

Since the equity information is obtained from the equity channel server 13 and is real-time equity information, the rights channel server 13 can be more flexible and more flexible to set the equity information, and the application scenario and application scope are broader. In practical applications, the transaction system in this embodiment can also be used to extract the preferential activities, thereby improving the interest.

In an embodiment of the invention, the two-dimensional code may be generated by the rights channel server 13 based on the identity information. In order to improve the efficiency of the entire transaction system, the QR code may carry identity information consistent with the record of the rights channel information base 14 in the transaction server 12.

It can be understood that the two-dimensional code may be generated by the equity channel server 13, may be generated by a third party, or may be generated according to information in the equity channel information database 14 in the transaction server 12. The source of the two-dimensional code does not limit the application of the embodiments of the present invention.

In another implementation, the transaction system may further include an equity information base 15 including an equity information sub-library associated with the equity channel information, the equity information sub-library containing the identity information and Equity information associated with the identity information.

Correspondingly, the calculating unit 33 may include:

The equity query unit is adapted to perform a search in the equity information base 15 according to the equity channel information to determine an associated equity information sub-library, and query the corresponding information in the equity information sub-library according to the identity information. Equity information;

Since the identity information sub-library includes the identity information and the equity information associated with the identity information, the transaction server 12 can use the identity information and the equity channel information to search the equity information database 15 to obtain the equity information, and combine the rights The information and the transaction information obtain the actual payment information, so that the terminal 11 does not need to directly establish a connection with different preferential platform or member system and perform information interaction, thereby improving system efficiency. rate.

In an embodiment of the invention, the two-dimensional code is generated by the rights channel server 13 according to the identity information. In order to improve the efficiency of the entire transaction system, the QR code may carry identity information consistent with the record of the equity information base 15 in the transaction server 12.

In the embodiment of the present invention, the terminal obtains the identification information by using the two-dimensional code recognition unit, and the transaction server can obtain the identity information and the rights channel information by parsing the identification information, and generate the actual payment information through the calculation unit, and send the actual payment information to the terminal. By identifying the two-dimensional code by the terminal to obtain the identification information, the operation performed by the terminal can be reduced, thereby improving the efficiency of the transaction system; the transaction server can be used to process the identification information to generate the actual payment information, and the payment information can be transmitted to the terminal, which can be reduced. The platform difference between multiple entities does not require manual processing of the corresponding channel information and identity information of the terminal, providing a unified interface for the terminal, simplifying terminal operations, thereby improving the efficiency of the transaction system.

The embodiment of the invention further provides a transaction processing method, and the flowchart thereof is shown in FIG. 5.

In step S51, the terminal receives or generates transaction information, and identifies the two-dimensional code to obtain identification information, where the identification information includes identity information and rights channel information.

In step S52, the transaction server receives the transaction information from the terminal and the identification information.

In step S53, the transaction server parses the identification information to obtain the identity information and the rights channel information.

In step S54, the transaction server generates actual payment information based on the transaction information, the identity information, and the equity channel information.

In step S55, the transaction server transmits the actual payment information to the terminal.

In a specific implementation, the generating the actual payment information according to the transaction information, the identity information, and the rights channel information may include:

Searching in the equity channel information base according to the rights channel information to obtain Obtaining address information corresponding to the equity channel information;

In a specific implementation, the two-dimensional code may be generated by the rights channel server according to the identity information.

In a specific implementation, the equity information may include discount information and/or point redemption information.

In a specific implementation, the transaction information may include transaction total amount information and equity amount information.

For the specific implementation of the transaction processing method in the embodiment of the present invention, reference may be made to the description in the transaction system, and details are not described herein.

A person of ordinary skill in the art can understand that all or part of the steps of the foregoing embodiments can be completed by a program to instruct related hardware, and the program can be saved. Stored in a computer readable storage medium, the storage medium may include: a ROM, a RAM, a magnetic disk, or an optical disk.

Although the present invention has been disclosed above, the present invention is not limited thereto. Any changes and modifications may be made by those skilled in the art without departing from the spirit and scope of the invention, and the scope of the invention should be determined by the scope defined by the appended claims.

Claims

A transaction system, comprising: a terminal and a transaction server; wherein:

The terminal includes:

a transaction information unit adapted to receive or generate transaction information;

a two-dimensional code identifying unit, configured to identify the two-dimensional code to obtain identification information, where the identification information includes identity information and rights channel information;

The transaction server includes:

a receiving unit, configured to receive transaction information and the identification information from the terminal;

The parsing unit is adapted to parse the identification information to obtain the identity information and the equity channel information;

a calculating unit, configured to generate actual payment information according to the transaction information, the identity information, and the equity channel information;

And a communication unit adapted to send the actual payment information to the terminal.
The transaction system according to claim 1, further comprising: an equity channel information base, wherein the equity channel information database records an association relationship between the plurality of rights channel information and the address information thereof;

The computing unit includes:

An address information query unit adapted to be in the interest according to the rights channel information Searching in the channel information base to obtain address information corresponding to the equity channel information;

The rights information obtaining unit is adapted to send the identity information to the rights channel server to which the address information is directed to obtain the rights information associated with the identity information from the rights channel server;

The calculating subunit is adapted to calculate the actual payment information according to the transaction information and the equity information.
The transaction system of claim 2 wherein said two-dimensional code is generated by said rights channel server based on said identity information.
The transaction system of claim 2 wherein said benefit information comprises discount information and/or point redemption information.
The transaction system according to claim 1, further comprising: an equity information base, the equity information base comprising an equity information sub-library associated with the equity channel information, wherein the equity information sub-library includes the Identity information and equity information associated with the identity information;

The computing unit includes:

The equity query unit is adapted to perform a search in the equity information base according to the equity channel information to determine an associated equity information sub-library, and query the corresponding equity in the equity information sub-library according to the identity information. information;

a calculation subunit adapted to be calculated based on the transaction information and the equity information The actual payment information.
The transaction system of claim 5, further comprising: an equity channel server; said transaction server being adapted to periodically query the rights channel server to update said equity information sub-library.
The transaction system of claim 6 wherein said two-dimensional code is generated by said rights channel server based on said identity information.
The transaction system according to claim 1, wherein said transaction information includes transaction total amount information and equity amount information.
A transaction processing method, comprising:

Receiving or generating transaction information, and identifying the two-dimensional code to obtain identification information, where the identification information includes identity information and rights channel information;

The transaction server receives transaction information from the terminal and the identification information;

The transaction server parses the identification information to obtain the identity information and the rights channel information;

The transaction server generates actual payment information according to the transaction information, the identity information, and the equity channel information;

The transaction server transmits the actual payment information to the terminal.
The transaction processing method according to claim 9, wherein said generating an actual payment based on said transaction information, identity information, and rights channel information Information includes:

Performing a search in the equity channel information base according to the rights channel information to obtain address information corresponding to the rights channel information;

Transmitting the identity information to an equity channel server pointed to by the address information to obtain equity information associated with the identity information from the rights channel server;

Calculating the actual payment information according to the transaction information and the equity information;

The equity channel information database records the relationship between multiple rights channel information and its address information.
The transaction processing method according to claim 10, wherein said two-dimensional code is generated by said rights channel server based on said identity information.
The transaction processing method according to claim 10, wherein the equity information includes discount information and/or point redemption information.
The transaction processing method according to claim 9, wherein the generating the actual payment information according to the transaction information, the identity information, and the equity channel information comprises:

Performing a search in the equity information database according to the rights channel information to determine an associated equity information sub-library, and querying the corresponding equity information in the equity information sub-library according to the identity information;

Calculating the actual payment information according to the transaction information and the equity information

The equity information database includes an equity information sub-library associated with the equity channel information, and the equity information sub-library includes the identity information and the equity information associated with the identity information.
The transaction processing method according to claim 9, wherein the transaction information includes transaction total amount information and equity amount information.