CN101840560A - Electronic voucher purchase and payment system and method based on all-in-one card platform - Google Patents
Electronic voucher purchase and payment system and method based on all-in-one card platform Download PDFInfo
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- CN101840560A CN101840560A CN201010162287A CN201010162287A CN101840560A CN 101840560 A CN101840560 A CN 101840560A CN 201010162287 A CN201010162287 A CN 201010162287A CN 201010162287 A CN201010162287 A CN 201010162287A CN 101840560 A CN101840560 A CN 101840560A
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Abstract
The invention discloses an electronic voucher purchase and payment system based on an all-in-one card platform. The system comprises an all-in-one smart card, a transaction terminal and an all-in-one card service platform, wherein the all-in-one card service platform is provided with a security certification system and a financial management system. The system of the invention is characterized in that the system is also provided with an electronic voucher management system, and the electronic voucher management system is provided with a voucher release management system, a voucher consuming management system and a voucher business database. The invention also discloses an electronic voucher purchase and payment method. The method mainly comprises the following four steps: establishing a business model, issuing a voucher, using the voucher and performing account settlement. The remarkable effects of the method of the invention are as follows: the operation cost of voucher promotion mode of merchants is reduced greatly; and the perfect electronic voucher management means is provided for merchants so that the merchants can control the voucher in all dimensions from source to using. The system is convenient to operate, is safe and reliable and has extremely high practicability.
Description
Technical field
The present invention relates to the system management technologies of all-purpose card business platform, specifically, is a kind of electronic voucher purchase settlement system and method thereof based on all-in-one card platform.
Background technology
Along with the development of present society, growth in the living standard, it is indispensable in people's daily life to do shopping, and the advertising campaign of businessman is frequent day by day, and the consumption coupons are a kind of important way of businessman's advertising campaign.But traditional papery coupons have several shortcomings:
1. print the papery coupons and bring additional cost;
2. the stock control inconvenience of papery coupons;
3. need carry when the client uses, be not easily, outstanding in coupons;
4. the use of papery coupons brings enormous pressure for the service management of businessman, and its professional sorting clearance cost is higher;
Find by retrieval: Chinese patent application 200510022416.4 discloses a kind of deduction method of carrying out the electronic virtual currency between communication terminal, though be mentioned to coupons in the patent document, defectives such as deduction certificate and member card, and in communications network system, set up ideal money and realize business transaction, but the end device that relates in this document has included only mobile phone, computing machine, video telephone set and digital television, and be the all-purpose card system to be made elaborate, and this patent has only been done concise and to the point description at the deduction method of carrying out the electronic virtual currency between the communication terminal, the system under a certain concrete application system of not being disclosed in merges and the treatment scheme of business datum, and person skilled also can't realize the combination between the professional all-purpose card consumption service with routine of electronics coupons whereby.
Chinese patent application 200810201476.6 also discloses a kind of personal consumption settlement system for local intelligent traffic card and method thereof, in this patent document all-purpose card intelligent management system has been done to elaborate, but the disclosed major technique of this document is to utilize the all-purpose card smart card to finish to pay charges for water and electricity, telephone charge, pay wages and common purchase and consumption settlement function, do not relate to the coupons service management, more do not have the combination technology between electronics coupons business and the conventional all-purpose card consumption service.
Realistic situation sets out thus, also lack a kind of electronics coupons management system on the all-purpose card business platform in the prior art, make papery coupons cost of manufacture height, carry and manage inconvenience, and the ideal money in other communication networks, technology neither be ripe comparatively speaking, and professional popularization is also relatively more difficult.
Summary of the invention
The purpose of this invention is to provide a kind of electronic voucher purchase settlement system and method thereof based on all-in-one card platform.The all-purpose card business platform that utilization is comparatively popularized at present, the all-purpose card consumption service that the electronics coupons are professional with conventional combines, the various defectives of papery coupons have been remedied, make that businessman and client's trade management is convenient, can check every transaction record clearly in the system, add the security system and the account management system of all-in-one card platform, make transaction and clearing become safer, more convenient.
For achieving the above object, the present invention has explained a kind of electronic voucher purchase settlement system based on all-in-one card platform, comprise all-purpose card smart card, transaction terminal and all-purpose card business service platform, be connected with secure certification architecture and financial management system on the described all-purpose card business service platform, described secure certification architecture is used to provide the safety guarantee of all-purpose card business service platform, and described financial management system is used to provide account management, the consumption management of client and businessman and the management of paying the fees;
Its key is: also be connected with electronics coupons management system on the described all-purpose card business service platform, be provided with coupons issuance management system, voucher purchase management system and coupons Service Database in this electronics coupons management system;
Described all-purpose card smart card, transaction terminal and all-purpose card business service platform are a kind of integrated service service systems based on distributed network architecture, multilayer service system framework, are widely used in B2B (Business to Business businessman is to businessman), B2C (Business ToCustomer B to C), government utility multiple commerce services field such as pay the fees.
Stored the unique identification of approving in the all-purpose card business service platform on the described all-purpose card smart card, the client can inquire about the various funds on the account and electronics coupons and uses by the all-purpose card smart card.
Described transaction terminal possesses the ability that inserts all-purpose card business service platform, and the security identification function of all-purpose card smart card is provided thus, and the human-computer interaction interface of management of all-purpose card integrated service and customer account management function also is provided.Described transaction terminal can be the terminal facility of customization, such as being the self-aided terminal that has card reader, can login by swiping the card, and also can be the WEB website of customization, by input card number and password login, finally provides business service.
Be connected with secure certification architecture and financial management system on the described all-purpose card business service platform, the measure that described secure certification architecture lands the client, provide key management, certificate management etc. to ensure communication security in inquiry and the business transaction process is to ensure the integrality and the security of interaction data.Described financial management system is mainly used in client and Merchant Account management, consumption management and pays the fees management or the like.
Described coupons issuance management system is used to realize the distribution of electronics coupons, comprises interpolation, modification and the deletion of electronics coupons information;
Described voucher purchase management system is used to provide the voucher purchase business, comprises that the client inquires about coupons information and application voucher purchase, also comprises the deduction clearing of system to the coupling and the coupons of coupons business rule;
Described coupons Service Database is used to realize the storage and the management of coupons business datum.
Form electronics coupons management system jointly by coupons issuance management system, voucher purchase management system and coupons Service Database, this electronics coupons management system is dissolved into existing all-purpose card business service platform the inside effectively and is come, the seamless combination of i.e. realization and secure certification architecture and financial management system realizes effective management of electronics coupons business again.Coupons stock, sales figure, service recorder and clearing situation or the like are provided,, have realized electronic voucher purchase service easily by the B/S human-computer interaction interface.
Also be connected with print module on the described transaction terminal, be used for printing of electronics coupons business information and papery coupons and print.
Transaction terminal is linked into all-purpose card business service platform by special line or public network, and its transmission security is subjected to the conscientious system monitoring of safety and ensures.The client enters all-purpose card business service platform selecting and carries out electronics coupons related service by transaction terminal, and its concrete processing procedure is finished by electronics coupons management system, adjusts and settles accounts at last and by financial management system.Can carry out the printing or the papery coupons of the professional bill of coupons by print module and print according to the real needs of user or businessman.
The present invention also provides a kind of electronics coupons personal consumption settlement method based on all-in-one card platform, may further comprise the steps:
Step 1: set up business model
Businessman enters described all-purpose card business service platform, in electronics coupons issuance management system, set up electronics coupons business information, this electronics coupons business information comprises type, the coupons distribution scope and the coupons business rule of coupons, and the title of coupons or pattern or the like also can be set according to businessman and client's concrete condition;
Obtain business model by business model, confirm the business rule of electronics coupons, electronics coupons management system can the recognition data model with electronics coupons essential information and the operation mode system of being created as, and is entered in the coupons Service Database.
Step 2: distribution coupons
Businessman enters described electronics coupons issuance management system and initiatively electronics coupons business information is distributed on the all-purpose card account of given client;
Businessman can set up according to the condition of giving and give rule, initiatively adds to electronics coupons information data on client's the all-purpose card account by the coupons issuance management system; Not only store personal account information but also store electronics coupons business information in client's the all-purpose card account, wherein the personal account information spinner will be managed by financial management system, and electronics coupons business information is mainly managed by electronics coupons management system, and the processing of various data and coordination are mainly finished by all-purpose card business service platform.
The distribution of electronics coupons also can initiatively be bought by the client, and at first the client enters electronics coupons issuance management system; Inquire about the electronics coupons business information that businessman sets up in the described all-purpose card business service platform; Buy the electronics coupons by certain modes of payments application, pay successfully back generation electronics coupons and buy into function signal; The concrete modes of payments can be divided into: pay in cash, the payment of all-purpose card bill payment, bank account and mobile phone account payment.
Described electronics coupons issuance management system receives after the electronics coupons buy into function signal, and the electronics coupons information that the client buys is distributed on client's all-purpose card account.
Step 3: use coupons
The client enters described all-purpose card business service platform, in the electronic voucher purchase management system, whether there is electronics coupons business information in the inquiry all-purpose card account, if there is electronics coupons business information in the all-purpose card account, then can apply for voucher purchase, described electronic voucher purchase management system is mated consumption application and the coupons business rule that the client proposes, if satisfy the coupons business rule, then carry out the deduction clearing of coupons, generate a coupons deduction clearing signal;
Step 4: account clearing
Described all-purpose card business service platform carries out calculation process according to the dealing money and the coupons deduction clearing signal of client and businessman, and produces account clearing signal, and described financial management system is finished the account clearing according to this account clearing signal.
The client can login all-purpose card business service platform and enters in the account database of oneself by transaction terminal.In landfall process, described secure certification architecture provides various safety guarantee, after the client successfully lands, can on all-purpose card business service platform, check various all-purpose card business, can inquire the electronics coupons information that exists in the own account by the voucher purchase management system, if there is electronics coupons information in the customer account, then can the applying for electronic voucher purchase, described electronics coupons management system is carried out rule match according to the service request that various electronics coupons business rules and client submit to, if the business of client requests satisfies electronics coupons business rule, described voucher purchase management system is then finished the deduction clearing automatically, generate a coupons deduction clearing signal simultaneously, the coupons Service Database is made corresponding change to the coupons data message on the customer account, and result is returned on the human-computer interaction interface that is fed to described transaction terminal.
Described all-purpose card business service platform is handled coupons deduction clearing signal and client traffic solicited message, and generation account clearing signal, when if the professional amount of money of client requests can not be deducted by the coupons data message fully, described financial management system is then according to corresponding fund on the account clearing signal deduction customer account.
After business processing was finished, described print module can print corresponding bill, also can print the coupons of papery according to the real needs of client and businessman.
Described businessman or client can swipe the card on the card reader self-aided terminal by the all-purpose card smart card and sign in to all-purpose card business service platform, also can be by WEB website input card number and password login, in the process of login, described secure certification architecture provides the safety certification of account, has guaranteed the legitimacy and the safety of data transmission of transaction.
Remarkable result of the present invention is: a kind of electronic voucher purchase settlement system and method thereof based on all-in-one card platform is provided, greatly reduced the operation cost of trade company to coupons sales promotion pattern, and, make businessman on source and whereabouts, comprehensively to control to coupons for businessman provides perfect electronics coupons ladder of management.By existing all-purpose card business service platform is upgraded, effectively security system, financial system and electronics coupons system are melted in together, system operation is convenient, and is safe and reliable, and practicality is also very high.
Description of drawings
Fig. 1 is the electronic voucher purchase settlement system theory diagram based on all-in-one card platform;
Fig. 2 is based on the electronic voucher purchase settlement method step synoptic diagram of all-in-one card platform.
Embodiment
Below in conjunction with the drawings and specific embodiments the present invention is described in further detail.
As shown in Figure 1, electronic voucher purchase settlement system based on all-in-one card platform, comprise all-purpose card smart card 1, transaction terminal 2 and all-purpose card business service platform 3, be connected with secure certification architecture 3a and financial management system 3b on the described all-purpose card business service platform 3, described secure certification architecture 3a is used to provide the safety guarantee of all-purpose card business service platform 3, and described financial management system 3b is used to provide account management, the consumption management of client and businessman and the management of paying the fees;
On all-purpose card business service platform 3, also be connected with electronics coupons management system 3c, be provided with coupons issuance management system 3c1, voucher purchase management system 3c2 and coupons Service Database 3c3 among this electronics coupons management system 3c;
Described all-purpose card smart card 1, transaction terminal 2 and all-purpose card business service platform 3 are a kind of integrated service service systems based on distributed network architecture, multilayer service system framework, are widely used in B2B (Business to Business businessman is to businessman), B2C (BusinessTo Customer B to C), government utility multiple commerce services field such as pay the fees.
Stored in the all-purpose card business service platform 3 unique identification of approval on the described all-purpose card smart card 1, the client can inquire about the various funds on the account and electronics coupons and uses by the all-purpose card smart card.
Described transaction terminal 2 possesses the ability that inserts all-purpose card business service platform 3, and the security identification function of all-purpose card smart card is provided thus, and the human-computer interaction interface of management of all-purpose card integrated service and customer account management function also is provided.Described transaction terminal 2 can be the terminal facility of customization, such as being the self-aided terminal that has card reader, can login by swiping the card, and also can be the WEB website of customization, by input card number and password login, finally provides the network online service.
The measure that described secure certification architecture 3a lands the client, provide key management, certificate management etc. to ensure communication security in inquiry and the business transaction process is to ensure the integrality and the security of interaction data.Described financial management system 3b is mainly used in client and Merchant Account management, consumption management and pays the fees management or the like.
Described coupons issuance management system 3c1 is used to realize the distribution of electronics coupons, comprises interpolation, modification and the deletion of electronics coupons information;
Described voucher purchase management system 3c2 is used to provide the voucher purchase business, comprises that the client inquires about coupons information and application voucher purchase, also comprises the deduction clearing of system to the coupling and the coupons of coupons business rule;
Described coupons Service Database 3c3 is used to realize the storage and the management of coupons business datum.
Form electronics coupons management system 3c jointly by coupons issuance management system 3c1, voucher purchase management system 3c2 and coupons Service Database 3c3, at last this electronics coupons management system 3c is dissolved into effectively existing all-purpose card business service platform 3 the insides, be mainly used in the relevant information of managing electronic coupons, comprise stock, sales figure, service recorder and clearing situation or the like, by the B/S human-computer interaction interface, provide electronics coupons management service easily.
Also be connected with print module 4 on the described transaction terminal 2, be used for printing of electronics coupons business information and papery coupons and print.
According to above-mentioned electronics coupons personal consumption settlement system based on all-in-one card platform, we illustrate a kind of electronics coupons personal consumption settlement method based on all-in-one card platform of the present invention by way of example.
Embodiment one: certain market is for the commodity of sales promotion " XX " brand, it is 10 yuan electronics coupons business that desire will be issued denomination, the distribution scope is all registered members of market, the restrictive condition that uses is: full 100 yuan of client's (being the consumer) consumption amount of money, be that the consumer spending amount of money can the deduction of electricity consumption filial generation gold note when surpassing 100 yuan 10 yuan, be the service time of electronics coupons: X X is before the month X day.Specific implementation process is carried out according to following steps:
Step 1: set up business model
Businessman directly enters in the Merchant Account by the server of all-purpose card business service platform 3, determine that at electronics coupons issuance management system 3c1 the type of electronics coupons is: the deduction certificate, be 10 yuan of electronics coupons of certain market " XX " brand, distribution scope: all registered members' of market all-purpose card account, business rule: be X X before the month X day service time, and the consumer consumes full 100 yuan of directly 10 yuan of the deductions of the amount of money on the same day.
Obtain behind the business data model it being imported among the coupons Service Database 3c3 by business model.
Step 2: distribution coupons
After having set up electronics coupons business model, described electronics coupons issuance management system 3c1 sets up according to the discovery scope and gives rule, and initiatively adds electronics coupons business datum to satisfied giving on regular client's all-purpose card account.
Step 3: use coupons
The client swipes the card at the card reader self-service terminal by all-purpose card smart card 1 and lands described all-purpose card business service platform 3, the client can select various transaction on all-purpose card business service platform 3, also can in electronic voucher purchase management system 3c2, inquire about in the all-purpose card account whether have electronics coupons business information, if there are brand 10 yuan of electronics coupons in described certain market " XX " in this client's the all-purpose card account, then this user can propose the consumption application of this coupons business, described electronic voucher purchase management system 3c2 mates consumption application and the coupons business rule that the client proposes, if satisfy this coupons business rule, be that service time of client is at X X before the month X day and consume full 100 yuan of the amount of money on the same day, then can carry out the deduction clearing of coupons, generate a coupons deduction clearing signal, and from coupons Service Database 3c3, deduct this coupons business information on this customer account.
Step 4: account clearing
Described all-purpose card business service platform 3 carries out calculation process according to the dealing money and the coupons deduction clearing signal of client and businessman, and produces account clearing signal, and described financial management system 3b finishes the account clearing according to this account clearing signal.
Consuming the amount of money such as the client is 105 yuan, described coupons deduction clearing signal prompt is by 10 yuan of the professional deductions of electronics coupons, described all-purpose card business service platform 3 carries out calculation process, account settlement amounts=dealing money (105 yuan)-coupons deduction amount of money (10 yuan), generate 95 yuan of account clearing signal prompt deduction accounts at last, described financial management system 3b receives described account clearing signal, and in finish the account clearing, finally deducting the customer account fund is 95 yuan.
According to customer demand, after business processing is finished, described print module 4 can print corresponding bill, and billing information comprises client's article of consumption title, consumption total charge, uses information such as the electronics coupons deduction amount of money and the actual deduction customer account amount of money, finally realizes whole transaction.
Embodiment two: certain dining room is " XX " set meal of 10 yuan for promotional price, desire distribution electronics coupons are as the set meal meal coupon, the distribution scope is all all-purpose card users, the distribution rule is: 50 yuan of cashes of client's (being the consumer) can be bought 6 electronics coupons that are worth 10 yuan, and service regeulations are: only be suitable for consumption " XX " set meal.Specific implementation process is carried out according to following steps:
Step 1: set up business model
Businessman directly enters in the Merchant Account by the server of all-purpose card business service platform 3, determine that at electronics coupons issuance management system 3c1 the type of electronics coupons is: meal coupon, be 10 yuan of electronics coupons of certain dining room " XX " set meal, distribution scope: all all-purpose card users, business rule: client's (being the consumer) can buy 6 parts of electronics coupons that are worth 10 yuan for 50 yuan, and each part electronics coupons are bought a " XX " set meal.Obtain behind the business data model it being imported among the coupons Service Database 3c3 by business model.
Step 2: distribution coupons
The client enters electronics coupons issuance management system 3c1;
Inquire about the electronics coupons business information that businessman sets up in the described all-purpose card business service platform 3;
If the client views 10 yuan of electronics coupons of described certain dining room " XX " set meal business, after understanding business rule, this client then can buy the electronics coupons by the application of all-purpose card account, promptly utilize 6 parts of " XX " set meal electronics coupons that are worth 10 yuan of 50 yuan of funds purchases on the all-purpose card account, described all-purpose card business service platform 3 receives this business application, and from financial management system 3b 50 yuan of the fund of deduction on this user account, pay successfully afterwards described all-purpose card business service platform 3 generation electronics coupons and buys into function signal;
Described electronics coupons issuance management system 3c1 receives after the electronics coupons buy into function signal, the electronics coupons information that the client buys is added on this client's the all-purpose card account, promptly generate 6 parts of " XX " set meal electronics coupons that are worth 10 yuan on this customer account.
Step 3: use coupons
The client consumes to this dining room, swipe the card at the card reader self-service terminal by all-purpose card smart card 1 and to land described all-purpose card business service platform 3, the client can select to buy " XX " set meal on all-purpose card business service platform 3, there is 10 yuan " XX " set meal electronics coupons information that is worth in the all-purpose card account by in electronic voucher purchase management system 3c2, inquiring, then this user can propose the voucher purchase application, described electronic voucher purchase management system 3c2 mates consumption application and the coupons business rule that the client proposes, if the client applies for consumption " XX " set meal, satisfy the service regeulations of these coupons, then can carry out the deduction clearing of coupons, generate a coupons deduction clearing signal, every consumption portion " XX " set meal is 1 " XX " set meal electronics coupons information of the deduction of the customer account from coupons Service Database 3c3 then.
Step 4: account clearing
Because every portion of a " XX " set meal of the corresponding consumption of electronics coupons, and do not need other extra costs, therefore described all-purpose card business service platform 3 carries out calculation process according to the dealing money and the coupons deduction clearing signal of client and businessman, the account that produces settle accounts signal prompt and need not deduct the account fund.
According to customer demand, the client can select described print module 4 can print the papery coupons, information on these papery coupons comprises that the client consumes " XX " package name, consumption total charge and consumption time or the like, the client can directly use these papery coupons to buy " XX " set meal in the dining room, finally realizes whole transaction.
Principle of work of the present invention is: be the network electronic voucher purchase settlement system and the method for platform based on all-purpose card, mainly be that electronics coupons management system is dissolved on the existing all-purpose card business platform, a plurality of disposal systems such as secure certification architecture 3a, financial management system 3b and electronics coupons management system 3c are combined together effectively, transaction terminal 2 is linked into all-purpose card business service platform 3 by special line or public network, and its transmission security is subjected to secure certification architecture 3a monitoring and ensures.The client uses all-purpose card smart card 1 to select by transaction terminal 2 and carries out electronics coupons related service, and the concrete processing procedure of electronics coupons business is finished by described electronics coupons management system 3c, is adjusted and is settled accounts by financial management system 3b at last.When electronics coupons business is effective, can carry out printing of coupons business information and the printing of papery coupons by print module 4.
The foregoing description only is used to illustrate a certain concrete application mode of the present invention and does not limit the scope of the invention, according to foregoing invention content and concrete applied environment, those skilled in the art can make various changes to the foregoing description, promptly can adopt the login of swiping the card of all-purpose card smart card such as described client login, also can on the WEB website, import all-purpose card number of the account and password and login; Both can use the electronics coupons directly to offset the corresponding amount of money of consumption during client trading, also can the electronics coupons be printed the papery coupons by print module 4, finish corresponding transaction according to the mentioned mode of background technology, described electronics coupons can also be as coupon, reward voucher or the like.The change of change mentioned above and other equivalent form of values all can fall in the middle of the scope that the present invention protects.
Claims (8)
1. based on the electronic voucher purchase settlement system of all-in-one card platform, comprise all-purpose card smart card (1), transaction terminal (2) and all-purpose card business service platform (3), be connected with secure certification architecture (3a) and financial management system (3b) on the described all-purpose card business service platform (3), described secure certification architecture (3a) is used to provide the safety guarantee of all-purpose card business service platform (3), and described financial management system (3b) is used to provide account management, the consumption management of client and businessman and the management of paying the fees;
It is characterized in that: also be connected with electronics coupons management system (3c) on the described all-purpose card business service platform (3), be provided with coupons issuance management system (3c1), voucher purchase management system (3c2) and coupons Service Database (3c3) in this electronics coupons management system (3c);
Described coupons issuance management system (3c1) is used to realize the distribution of electronics coupons, comprises interpolation, modification and the deletion of electronics coupons information;
Described voucher purchase management system (3c2) is used to provide the voucher purchase business, comprises that the client inquires about coupons information and application voucher purchase, also comprises the deduction clearing of system to the coupling and the coupons of coupons business rule;
Described coupons Service Database (3c3) is used to realize the storage and the management of coupons business datum.
2. the electronic voucher purchase settlement system based on all-in-one card platform according to claim 1 is characterized in that: described transaction terminal (2) is card reader self-aided terminal or WEB website.
3. the electronic voucher purchase settlement system based on all-in-one card platform according to claim 1 is characterized in that: also be connected with print module (4) on the described transaction terminal (2), be used for printing of electronics coupons business information and papery coupons and print.
4. based on the electronics coupons personal consumption settlement method of all-in-one card platform, it is characterized in that: may further comprise the steps:
Step 1: set up business model
Businessman enters described all-purpose card business service platform (3), set up electronics coupons business information in electronics coupons issuance management system (3c1), this electronics coupons business information comprises type, coupons distribution scope and the coupons business rule of coupons;
Step 2: distribution coupons
Businessman enters described electronics coupons issuance management system (3c1) and initiatively electronics coupons business information is distributed on the all-purpose card account of given client;
Step 3: use coupons
The client enters described all-purpose card business service platform (3), in electronic voucher purchase management system (3c2), whether there is electronics coupons business information in the inquiry all-purpose card account, if there is electronics coupons business information in the all-purpose card account, then can apply for voucher purchase, described electronic voucher purchase management system (3c2) is mated consumption application and the coupons business rule that the client proposes, if satisfy the coupons business rule, then carry out the deduction clearing of coupons, generate a coupons deduction clearing signal;
Step 4: account clearing
Described all-purpose card business service platform (3) carries out calculation process according to the dealing money and the coupons deduction clearing signal of client and businessman, and produces account clearing signal, and described financial management system (3b) is finished the account clearing according to this account clearing signal.
5. the electronics coupons personal consumption settlement method based on all-in-one card platform according to claim 4 is characterized in that: the mode of the coupons of distribution described in the step 2 is initiatively bought the electronics coupons for the client, the steps include:
The client enters electronics coupons issuance management system (3c1);
Inquire about the electronics coupons business information that businessman sets up in the described all-purpose card business service platform (3);
Buy the electronics coupons by a kind of modes of payments application, pay successfully back generation electronics coupons and buy into function signal;
Described electronics coupons issuance management system (3c1) receives after the electronics coupons buy into function signal, and the electronics coupons information that the client buys is distributed on client's all-purpose card account.
6. the electronics coupons personal consumption settlement method based on all-in-one card platform according to claim 5, it is characterized in that: the modes of payments of described purchase electronics coupons is divided into: pay in cash, the payment of all-purpose card bill payment, bank account and mobile phone account payment.
7. according to claim 4 or 5 described electronics coupons personal consumption settlement methods based on all-in-one card platform, it is characterized in that: the mode that described businessman or client enter all-purpose card business service platform (3) is: swipe the card on the card reader self-aided terminal by all-purpose card smart card (1) and login or login by WEB website input card number and password, in the process of login, described secure certification architecture (3a) provides the safety certification of account.
8. according to claim 4 or 5 described electronics coupons personal consumption settlement methods, it is characterized in that: after the account clearing are finished, print the bill of the professional consumption of electronics coupons by described print module (4) based on all-in-one card platform;
Described print module (4) can also print to the papery coupons with the electronics coupons on client's all-purpose card account.
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| CN104572299A (en) * | 2014-12-31 | 2015-04-29 | 腾讯科技（深圳）有限公司 | resource transfer method and device |
| CN107403329A (en) * | 2016-05-18 | 2017-11-28 | 苏宁云商集团股份有限公司 | A kind of business voucher collocation method and device |
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| CN109509020A (en) * | 2018-10-22 | 2019-03-22 | 阿里巴巴集团控股有限公司 | A kind of discount coupon amount of money checking method and device |
| CN109509020B (en) * | 2018-10-22 | 2023-10-17 | 创新先进技术有限公司 | Coupon amount checking method and device |
| CN110111133A (en) * | 2019-04-09 | 2019-08-09 | 口碑(上海)信息技术有限公司 | Exchange ticket distribution method and device for ordering |
| CN114760064A (en) * | 2022-03-23 | 2022-07-15 | 建信融通有限责任公司 | Second-killing method and system for voucher |
| CN114760064B (en) * | 2022-03-23 | 2024-03-22 | 建信融通有限责任公司 | Method and system for killing cash coupon in seconds |
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