CN102542447A

CN102542447A - Electronic debt payment, customer relationship and bond management system based on NFC (Near Field Communication) and recording method

Info

Publication number: CN102542447A
Application number: CN2011104265351A
Authority: CN
Inventors: 郁晓东; 姜晓越
Original assignee: Individual
Current assignee: Individual
Priority date: 2011-12-19
Filing date: 2011-12-19
Publication date: 2012-07-04

Abstract

The invention provides a payment system based on NFC (Near Field Communication). According to the payment system, a payment method which is more convenient than electronic cashes and credit cards is provided. A solution is as follows: the ID (Identity) of NFC (such as IDm based on hardware, tagID or customized ID) is read in through an NFC card reader at a POS (Point of Sale) end, and a customer is identified through the ID of the NFC. The book account behavior and advanced charging behavior of the customer are recorded in a server in an electronic financial claim way, payment and repayment are managed through an electronic financial claim, and recorded can be applied to customer relationship management simultaneously. The payment mode of the electronic financial claim differs from those of electronic cash and credit card payment in that a service provider of the electronic financial claim does not directly participate in the payment behavior but guarantees legal transactions between a customer and a merchant in the witness form of a third party.

Description

The system and the recording method of a kind of electronics debt payment, customer relationship, credits management based on NFC

Technical field

The present invention relates to method of payment and Customer management technology, specifically be to utilize the consumption of NFC (near-field communication) record, repayment process, and manage with the form of electronics credits.

Background technology

The patent of invention of patent publication No. 102243748A discloses the system and method for debt and credit electronization, and promptly the mode through the electronics credits writes down the rights and duties that social activities produces, and this method is the modes of payments based on NFC, has brought new possibility.

NFC popularizes through smart mobile phone, for the user has brought facility as the carrier of electronic money and credit card.The technical indicator of NFC can be with reference to http://www.nfc-forum.org/specs/ with unified standard

Based on the method for payment of NFC, electronic money and Credit Card Payments dual mode are arranged at present.Yet existing method of payment based on NFC has following problem:

1. electronic money

The distribution of electronic money, management receive the restriction of policy, law and fund ability, so general middle-size and small-size service enterprise does not have ability distribution and managing electronic currency.And on service charge and recovery time, having produced new cost at the electronic money that utilizes its hetero-organization distribution, this cost finally becomes the illegitimate competition of large-scale company to small and medium size companies.

2. credit card

There are strict credit management and utilization risk in credit card company, to such an extent as to these costs have all been married again the last consumer of service provider, need pay 2～3% service charge generally speaking.

More than two kinds of methods of payment, all be that the consumer (Buyer) and the third party service provider in addition of businessman (Seller) participate in payment directly.

As service provider and client; Both hoped to enjoy the facility of NFC technology; Hope to avoid the cost of electronic money and Credit Card Payments again,, promptly do not participate in payment so the present invention proposes the third method of payment through electronics credits technology; And the means through third party's witness support consumer and businessman directly to accomplish payment.

CRM Customer Relationship Management (CRM)

CRM Customer Relationship Management (CRM) occupies critical positions in business activities, through the management of customer relation, obtain the mass data of consumer behaviour, for business decision provides important evidence.Yet the CRM relation need a large amount of work of cost on the collection of information and record.In gathering customer data, often to face some unnecessary privacy informations, the processing of individual privacy information has been produced new cost again concerning service provider.When using electronic money and Credit Card Payments mode, from Business agreement, can't self registering method be provided for service provider.

In sum; A kind of new method of market demand; This method can either make consumer, businessman enjoy the technological facility of NFC, can avoid the cost of electronic money and Credit Card Payments again, protection consumer's individual privacy when can also preserve the consumption record simultaneously automatically.

Summary of the invention

Fundamental purpose of the present invention is to realize the electronics credits method of payment based on NFC, and guarantee that it is than existing electronic money and the convenient economy of credit card.

Another purpose of the present invention is in payment, to write down the ID of NFC, and preserve the CRM Customer Relationship Management that the consumption record is used for the service provider.

Another purpose of the present invention is, the consumption recorded and stored sends client in high in the clouds to server the time, is used for confirming and accounting management.

Novelty of the present invention is, proposes a kind of method of payment of not using electronic money and credit card, realizes than electronic money, credit card function more easily with the form of electronics credits.

This method is compared to existing electronic money, has and has following advance:

1. commercial activity does not on a small scale exert an influence to society, need not the policy of the law intervention

2. the service provider can manage independently on a small scale, need not the agreement with the third party

Than existing electronic money with littler cost recovery receivables

4. need not artificial input and gather the CRM data automatically

This method is compared to existing credit card, has and has following advance:

1. can preserve customer identification number, as the record (can not preserve) of CRM with respect to credit number

2. need be to credit card company's payment procedure expense

3. pay faster

4. need not to sign and other password

Description of drawings

Fig. 1 conceptual schema figure

Fig. 2 system construction figure

Fig. 3 utilizes the consumption recording process figure of NFC

Fig. 4 utilizes the consumption record entry of NFC

Fig. 5 utilizes the payment record procedure chart of NFC

Fig. 6 utilizes the payment record project of NFC

Fig. 7 customer relation data recording mode

Embodiment

Fig. 1 is conceptual schema figure; The modes of payments based on NFC mainly is electronic money and credit card mode at present, and this dual mode all need be paid third-party service provider with currency, directly participates in owing to third-party; Perhaps buyer pays in advance, perhaps seller payment procedure expense.

Above-mentioned third party has couple buyer to carry out the privacy confidentiality obligations when special financial service is provided, but this confidentiality obligations have been blocked between buyer and the seller and set up relation of trust.So concerning seller, can't utilize existing recorded to carry out customer relation management (Custom Relationship Management is hereinafter to be referred as CRM).

As shown in Figure 1; Third party's witness method that the present invention adopts patent publication No. 102243748A to propose; Do not participate in the payment behavior directly, but the witness service is provided, thereby simplified means of payment buyer and seller both sides; And make both parties easily set up mutual relation of trust, and utilize recorded data that the service of CRM is provided for both parties.

Fig. 2 is system construction figure, and system of the present invention is made up of NFC (2), POS end end (3), network (4), high in the clouds server (5), data storage (6).

Above-mentioned NFC (2) is meant all RFID in 13.56MHz band territory, comprising Felica, the IC tag (tag) of standard specifications such as (Mifare), ISO 14443 TypeB, ISO 15693 based on ISO 14443TypeA.

Above-mentioned NFC (2) also can be card, the portable phone that is loaded with NFC ICtag.

The standard that above-mentioned NFC (2) formulates according to NFC, it must comprise ID, this ID is recorded in the chip; The IDm that can not distort also can be through the later safe UID of encryption, or the Pin of portable phone number; The common ground of all these ID is from NFC, to read; Transmit, and can discern NFC uniquely safely, or be loaded with card and the portable phone of NFC.

Above-mentioned POS end end (2) has NFC card reader (31), POS communication component (32), internal memory (33), processor (34) at least, and said parts all tool are standard devices.

Above-mentioned network (4) is the network that connects high in the clouds server (5), and network based transmitted confidentiality can utilize following method to realize:

1. internet

2.VPN

3. the industrial siding through agreement

Concrete implementation method according to service content and the transmission content that businessman provides, is selected suitable network strategy.

Above-mentioned high in the clouds server (5) has processor (51), internal memory (52) at least.

The entitlement of above-mentioned high in the clouds server belongs to the third party service provider, and businessman and consumer need not to buy the entitlement of server and its service system, the service that just can use it to provide according to agreement.

Above-mentioned database (6) is according to service quality, can be installed in independently in the server and storage, also can be directly installed in the server.

Above-mentioned explanation has realized 1,2,3,4 said contents of claim item

Fig. 3 is the block diagram of process of consumption, and step does

1.POS clearing (this process does not belong to the claim scope)

A1: client (1) request is checked out;

The amount of money is calculated and proposes at A2:POS end end (3);

2. utilize NFC recorded electronic credits

B1: client (1) sends ID through carrying the intelligent portable phone of NFC (2) to the card reader (31) of POS

The legitimacy of B2:POS end end (3) inspection ID, if legal then carry out following operation, if would not do not conform to the rule abort transactoin

B3: ID and other purchase information are stored in the internal memory (33) at POS end end (3) preservation such as Fig. 4 of consumption record entry

The card reader (34) at B4:POS end end (3) notifies client (1) client trading to finish

3. be recorded in high in the clouds electronics credits server (5)

C1:POS end end (3) is instant perhaps in fix time (free time) lining, will preserve information uploading and give high in the clouds server (5)

C2: high in the clouds server (5) is preserved data in database (6)

4. high in the clouds server (5) is handled

D: high in the clouds server (5) is notified client through modes such as email, SMS

5. client (1) inquiry

E1: client imports the ID inquiry debt situation of oneself

E2: high in the clouds server (5) Query Database (6)

E3: database (6) returns recorded data

E4: high in the clouds server (5) returns data to client

Fig. 4 consumes record entry and constitutes, and in the consumption record, comprises the ID of 1. times on date, 2.NFC, 3. these three projects of the amount of money at least.

Above-mentioned explanation has realized 5,6 said contents of claim item

Fig. 5 is the block diagram that client discharges process, and step does

1.POS clearing (this process does not belong to the claim scope)

A1: client (1) uses monetary payoff;

The amount of money is confirmed at A2:POS end end (3);

2. utilize NFC record payment (liquidation) content

B3: information such as ID are stored in the internal memory (33) at POS end end (3) store method such as Fig. 6

The card reader (34) at B4:POS end end (3) notifies client (1) payment process to finish

3. be recorded in high in the clouds electronics credits server (5)

C1:POS end end (3) will be preserved information uploading and given high in the clouds server (5)

C2: high in the clouds server (5) is preserved data in database (6)

4. high in the clouds server (5) is handled

Fig. 6 is that the payment record project constitutes, and in payment record, comprises the ID of 1. times on date, 2.NFC, 3. these three projects of the amount of money at least.

Above-mentioned explanation has realized 7,8 said contents of claim item.

Payment can be regarded as liquidation, promptly discharges the debt to this businessman, also can be regarded as paying in advance, promptly has the credits to this businessman.

Utilize payment can be regarded as liquidation, promptly discharge debt, also can be regarded as paying in advance, promptly have credits this businessman to this businessman.

Utilize the method for the disclosed electronics transfer of obligation of patent publication No. 102243748A, the electronics credits can conclude the business, transform, want to offset between businessman.

Fig. 6 is a customer relation data recording mode, and every client write down customer information in advance before using the present invention, comprise the ID of 1 NFC in the customer information at least, and other personal information.

ID through above-mentioned NFC can get up all record UNION through the SQL literary composition, and these belong to the project of individual privacy can to delete consumer's name, address, telephone number simultaneously.

For example can go out through the SQL query text, summer, the young woman bought the total charge of A commodity.

Also can go out, buy the major customer of A commodity, the distribution of age level through the SQL query text.

Concrete SQL literary composition, the developer of elementary level grasps, so do not give unnecessary details.

The recording method of ID through NFC makes consumer and businessman can both inquire about own needed information, thereby realizes the management of relation, and the foundation that these information can provide business decision to judge.

Above-mentioned explanation has realized 9,10 said contents of claim item.

More than practical implementation of the present invention is described, it will be appreciated that the present invention is not limited to above-mentioned specific implementations, those skilled in the art can make various distortion or modification within the scope of the appended claims.

Claims

1. the system of the customer relation management based on NFC/electronics credits management, its device and Internet connection, this system comprises:

(1) NFC chip carrier,

(2) POS end end,

(3) connect the communication network that POS holds end and server,

(4) high in the clouds server,

(5) database.

2. system is characterized in that according to claim 1, and said (2) POS end end comprises NFC card reader, internal memory, processor, communication unit.

3. system is characterized in that according to claim 1, and said (4) high in the clouds server is characterized in that comprising at least processor, internal memory.

4. system is characterized in that according to claim 1, and said (4) high in the clouds server is characterized in that entitlement belongs to the electronics credits record service provider that the third party entrusts, and the businessman in the transaction (seller) need not have its entitlement.

5. electronics credits recording method based on NFC, its step comprises:

(1) check out in POS end end

(2) POS end end utilizes NFC record content of consumption

(3) the high in the clouds server is uploaded with the record of content of consumption in POS end end, and the high in the clouds server saves as the electronics credits with it

(4) obtain the debt situation through query function.

6. like the said method of claim 5, it is characterized in that said step (2) is utilized NFC record content of consumption, it is characterized in that comprising at least in the record consumption time on date, NFC ID project.

7. electronics credits repayment method based on NFC, its step comprises:

(1) the input amount of money in POS end end is collected currency

(2) POS end end utilizes the NFC record to repay content

(3) the high in the clouds server is uploaded with refund in POS end end, and the high in the clouds server process is repaid record.

8. like the said method of claim 7, it is characterized in that said step (2) utilizes the NFC record to repay content, it is characterized in that comprising at least in the record consumption time on date, NFC ID, amount of money project.

9. CRM Customer Relationship Management method based on NFC, its step comprises:

(1) recorded and stored is based on all electronics credits of the ID of NFC

(2) come collection analysis client's consumer behavior according to the electronics credits.

10. like the said method of claim 9, it is characterized in that said step (1) does not need directly to handle the individual privacy information of confirming client.