Connect public, paid and private patent data with Google Patents Public Datasets

Commercial scheme of merchant code information payment confirmation system

Info

Publication number
CN102609843A
CN102609843A CN 201210017805 CN201210017805A CN102609843A CN 102609843 A CN102609843 A CN 102609843A CN 201210017805 CN201210017805 CN 201210017805 CN 201210017805 A CN201210017805 A CN 201210017805A CN 102609843 A CN102609843 A CN 102609843A
Authority
CN
Grant status
Application
Patent type
Prior art keywords
information
merchant
payment
consumer
network
Prior art date
Application number
CN 201210017805
Other languages
Chinese (zh)
Inventor
曹玮
Original Assignee
曹浩然
曹玮
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date

Links

Abstract

The invention discloses a commercial scheme of a merchant code information payment confirmation system. The commercial scheme comprises the following steps: 1, a merchant registers merchant information through a network platform, acquires code information, and maintains merchant information automatically, this step can be accomplished by establishing a database server, an application server and a network access website, designing pages, and the like; 2, the platform actively issues network information link, or a consumer receives the network information link after a payment applying code is sent, this step can be realized by activating the mobile network information service; 3, the format of order forms of the consumer and the merchant is normalized according to a webpage information template which is designed and made in advance, the consumer and the merchant exchange information to finish the order forms; 4, communication routes from the system platform to the merchant and bank are established in advance, the bank issues payment link to the consumer according to an order form payment instruction, and accomplishes payment settlement with the consumer, and then settlement information is fed back to the merchant through the platform; and 5, the merchant provides commodities or service for the consumer based on the payment settlement information from the bank.

Description

商户编码信息支付确认系统商业方案 Merchant payment confirmation encoded information systems business solutions

技术领域: FIELD:

[0001] 商户编码信息支付确认系统商业方案是依托网络通信、移动通信、手机银行业务的开展,通过有效的结合,实现交易信息和支付信息确认和传递的方案。 [0001] merchant payment confirmation encoded information systems business solutions that rely on network communications, mobile communications, mobile banking is carried out through a combination of effective realization of the transaction and payment information to identify and deliver solutions. 从而有助于消费者方便快捷的完成交易过程,有效的促进商业流通环节的开展。 In order to help consumers easily and quickly complete the transaction process, to promote the effective conduct of commercial circulation. 消费者不需要专有的设备,普通消费者拥有可支持WAP上网的手机即可完成操作。 Consumers do not need proprietary equipment, ordinary consumers have to support WAP Internet phone to complete the operation. 系统事先通过在网络运营商处建立商户的数据库服务器和应用服务器,开发商户注册页面让商户自行注册商户信息并获得商户编码从而为消费者找到商户建立了快捷途径,商户内的商品和服务信息由商户自行维护。 The system established in advance by the merchant's database server and application server in the network operator, developer registration page to let users register their own business and obtain business information encoded in order to find the merchant business is a quick way to establish a consumer of goods and services by the information in the business merchant own maintenance. 通过有线网络或移动运营商提供的网信服务交互信息完成订单的确认过程。 Letter network service interaction information provided through a wired network or mobile operator to complete the confirmation process orders. 消费者选择自身的手机银行完成支付过程。 Consumers choose their own phone bank to complete the payment process. 支付结算由签约银行完成并及时反馈传递给商家。 Bank payment and settlement is done by contract and timely feedback transfer to the merchant. 商家即可为消费者提供商品或服务。 Businesses to provide consumers with goods or services.

背景技术: Background technique:

[0002] 网信技术:网信业务是基于移动互联网的一种为集团客户提供向其员工或会员等目标用户发布大容量及强交互性内容的信息发布服务。 [0002] network communication technology: letter business network is based on a mobile Internet to provide information dissemination capacity, and strong interactive content such as employees or members of their target user group clients publishing service. 网信由网信消息及网信页面两部分组成,网信消息包含文本和链接,手机用户收到网信消息后,点击其中的链接即浏览网信页面。 Letter from the net letter network and network news page letter composed of two parts, net in the letter message contains text and links, mobile phone users after receiving the letter network news, click on a link that is browsing the web page letter. 网信业务由集团客户付费,中国移动手机用户浏览网信内容免流量费。 Network telecommunications services paid for by customers of the Group, the Chinese mobile phone users to browse the contents of the letter nets free flow of charge.

[0003] 手机银行:手机银行是网络银行的派生产品之一,它的优越性集中体现在便利性上,客户利用手机银行不论何时何地均能及时交易,节省了ATM机和银行窗口排队等候的时间。 [0003] mobile banking: mobile banking is one of the network banks of derivative products, its superiority embodied in the convenience of customers use mobile banking wherever and whenever they can deal in time to save the bank ATM machine and line up window waiting time.

[0004] 手机银行主要采用的实现方式有STK、SMS、BREW、WAP等。 Implementation [0004] The main use of mobile banking has STK, SMS, BREW, WAP and so on. 其中,STK(Sim Tool Kit) 方式需要将客户手机SIM卡换成存有指定银行业务程序的STK卡,缺点是通用性差、换卡成本高;SMS(Short Message Service)方式即利用手机短消息办理银行业务,客户容易接入, 缺点是复杂业务输入不便、交互性差;BREW (Binary Runtime Environment forffireless) 方式基于CDMA网络,并需要安装客户端软件;WAP(Wireless applicationProtocol)方式即通过手机内嵌的WAP浏览器访问银行网站,即利用手机上网处理银行业务的在线服务, 客户端无需安装软件,只需手机开通WAP服务。 Which, STK (Sim Tool Kit) approach requires the customer mobile phone SIM card into the designated bank business program there STK card, the disadvantage is the general poor, the high cost of changing the card; SMS (Short Message Service) mode that is handled by text messages banking customers easy access, the disadvantage is the complex input operations inconvenience poor interaction; BREW (Binary Runtime Environment forffireless) manner based on the CDMA network, and installs the client software; WAP (Wireless applicationProtocol) way that the embedded WAP mobile phone browser to access the bank's website, namely the use of mobile Internet services deal with banking online, without having to install client software, simply open the phone WAP service.

[0005] WAP方式的手机银行较为方便、实用,成为该领域国际发展趋势。 [0005] way of WAP mobile banking more convenient, practical and international trends in this field. 俄罗斯Guta、斯洛文尼亚SKB、意大利Toscana、德国Deutsche等国际著名银行已竞相开通了WAP手机银行业务:近年来,国内也有多家银行开通了手机银行业务。 Russia Guta, Slovenia SKB, Italy Toscana, German Deutsche Bank and other international famous race has opened a WAP mobile banking: In recent years, there are a number of banks launched mobile banking. 其中,工商银行和招商银行的手机银行是采用STK方式或SMS方式实现的;建设银行的手机银行基于BREW方式实现,服务于CDMA手机。 Among them, ICBC and China Merchants Bank mobile banking is the use of STK way or SMS implementation; BREW-based way to achieve the bank's mobile banking services in CDMA phones. 目前仅有交通银行和北京市商业银行开通了WAP方式的手机银行,相比之下,北京市商业银行的手机银行业务目前仅支持移动全球通客户,且功能较少;交通银行的手机银行支持移动、联通的手机客户,实现功能较为完善。 Currently, only Beijing City Commercial Bank and Bank of Communications launched WAP mobile banking methods, by contrast, commercial banks in Beijing mobile banking is currently only supports mobile GSM customers and less function; Bank to support mobile phone banking China Unicom's mobile phone customers, and function more perfect.

发明内容: SUMMARY:

[0006] 本发明为一套完整的商业方案。 [0006] The present invention provides a complete set of business solutions. 此商业方案的应用将让真正的手机支付成为可能。 Commercial application of this program will make a real mobile payment possible. 有效的连接商户、消费者、银行三者的关系。 Effective connection relation merchants, consumers, the three banks.

[0007] 商户编码信息支付确认系统商业方案是一套针对消费者通过手机终端操作即可完成买卖订单信息传递的方案,配合现在银行开通的手机银行支付功能(含三方支付结算),即可完成消费者\商家\银行(结算)整个流通结算的过程.从而有效的提升支付交易的便捷度。 [0007] merchant coded information to confirm payment system is a set of business solutions for consumers through mobile terminals operating program to complete the sale order information transmission, now with the opening of bank mobile banking payment functionality (including party payment settlement) to complete consumers \ business \ Bank (settlement) process flow of the entire settlement. so as to effectively enhance the convenience of payment transactions.

[0008] 具体实施方式大致分为相对独立并相互联系的四块: [0008] DETAILED DESCRIPTION independent and roughly classified into four interrelated:

[0009] 第一块:商户通过网络先行注册账户信息等并获取商户编码信息。 [0009] The first one: the merchant and merchant acquiring coded information through the network registration account information first and so on. 商户可维护商家自身的交易信息页面(商品列表、图片、价格等) Businesses can maintain their own merchant transaction information pages (product list, pictures, prices, etc.)

[0010] 第二块:消费订单传递过程有两种模式: [0010] a second block: consumption delivery process line has two modes:

[0011] 第一种:消费者主动发起模式,消费时先通过自己的手机终端按一定编码格式发送信息到系统发起支付的申请,所发终端自动收到系统发送的网信链接,用户点击此链接即可通过手机终端交互页面完成支付意向信息并透过系统平台向商户和支付结算方(包含银行和第三方支付平台)的传递过程。 [0011] The first: Consumers initiate mode, to send information to the system for payment initiated when the consumer through their mobile terminals according to a certain coding format, issued by the terminal links automatically receive a net in the letter sent by the system, the user clicks on this Links to interact through mobile terminals intention to complete the payment page and through information system platform to merchants and payment settlement parties (including banks and third-party payment platform) transfer process.

[0012] 第二种:商家或银行主动发起,在消费者允许的范畴内由商家或银行直接下发消费网信链接到用户手机终端,用户根据个人需要即可点击此链接通过手机终端交互页面完成支付意向信息确认并透过系统平台向商户和支付结算方(包含银行和第三方支付平台) 传递订单信息的过程。 [0012] The second: the merchant or bank initiate, within the scope permitted by the consumer or the merchant bank under the net in the letter sent directly linked to the consumption of the mobile phone user terminal, the user according to individual needs to click on this link through the mobile phone terminal interactive page the intention to complete the payment information and confirmation through the platform to merchants and payment settlement parties (including banks and third-party payment platform) transfer process order information.

[0013] 消费者通过网信与商户双方确认订单信息。 [0013] consumer information to confirm the order by two parties in a letter to the tenants. 可包含但不限于以下内容(选择浏览商品或服务图片信息、选择商品或服务、选择单价和数量、确认总金额、可选择是否使用积分卡、登记积分卡信息、可选择是否应用商家认可的折扣卡、登记折扣卡信息、商家反馈确认信息、商家反馈积分情况等、生成订单)消费者同时选择支付方式。 May include but are not limited to, the following (select Browse goods or services picture message, select goods or services, select the unit price and quantity, to confirm the total amount, you can choose whether to use loyalty cards, loyalty cards registration information, you can choose whether to apply business-approved discount card, discount card registration information, retailer feedback confirm information, retailer feedback integration and other circumstances, generate orders) while consumer payment choice.

[0014] 第三块:(支付与结算由银行负责)消费者选择指定签约银行(或第三方支付方) 根据订单信息与签约结算行完成手机银行支付结算过程。 [0014] The third block :( responsible for payment and settlement by the bank) designated consumers sign bank (or third party payer) payment and settlement process in accordance with the order and contract information clearing house complete mobile banking. 签约结算行自动将已结算信息反馈到系统平台。 Signing Clearing House will have automatic billing information back to the system platform.

[0015] 第四块:系统平台收到签约结算银行(或第三方支付结算方)的确认支付反馈信息,转发送信息给商家和手机终端用户。 [0015] Fourth block: the system platform received a contract settlement bank (or a third-party payment and settlement side) of the payment confirmation feedback, turn sends information to the merchant and mobile end users. 商家凭支付结算确认信息为消费者提供服务或商品。 With confirmation of payment and settlement businesses provide consumers with services or goods. 消费者也可持手机终端至目标商家享受商品或服务。 Consumers can also hold the mobile terminal to target businesses to enjoy the goods or services. (商家可凭专用设备识别手机终端消费码,并仅进行一次系统有效验证)。 (Rely on special equipment merchant identification code consumption of mobile terminals, and only one valid authentication system).

Claims (7)

1.此发明商业方案需要商户事先通过网站等注册商户账户等信息以便获得商户编码, 注册商户通过网站可对商户自身的具体消费信息进行维护(商品列表、价格、图片等),消费者消费时是以手机终端为发起工具,消费者依托商户编码识别需要消费的商户并选择此商户的相关消费信息,达成消费订单,消费者自行选择签约结算方(银行、第三方支付)实现订单的支付结算,支付结算信息由本系统的签约结算方通过本系统传递到商户,商户根据系统反馈的信息为消费者提供商品或服务。 1. This invention requires the merchant business program in advance through the website and other registered merchant accounts and other information in order to obtain a merchant code, merchant registration can be maintained (product list, prices, pictures, etc.) on the merchant's own specific consumer information via the website, consumer spending based mobile terminals to initiate tool, consumers rely on the merchant coded to identify consumer needs and select the relevant consumer information businesses this business, to reach the consumer orders, consumer choice contract settlement payment and settlement parties (banks, third-party payment) in order to achieve their own , payment and settlement information delivered by the contracting parties of the settlement system through the system to the merchant, the merchant provides goods or services to consumers based on information feedback system.
2.按照权利要求I所述该发明首先需要商家注册提供账户信息等并获取商户编码。 2. The invention firstly requires the merchant account information and the like to provide registration and merchant acquiring coded according to claim I.
3.按照权利要求I所述该发明由消费者使用手机终端通过有线网络或移动网络与商户交互信息并进行订单确认。 3. This invention is the use of mobile terminals by the consumer through a wired network or mobile network with a client interaction information and order confirmation of claim I.
4.按照权利要求I所述该发明需要系统事先具有确定的结算方。 4. I claim the invention, the system needs to have previously determined biller. (可以是一家也可以是多家) (It can also be more than one)
5.按照权利要求I所述该发明由消费者自行选择结算方通过手机银行进行结算。 5. The invention is a self-selected biller by a consumer through mobile banking settled according to claim I.
6.按照权利要求I所述该发明由签约结算方通过系统将结算信息转给相对应的商户。 6. The invention is defined by the contracting party billing by the billing system information corresponding to the business transferred according to claim I.
7.按照权利要求I所述该发明由商户根据获得的商户结算信息和订单信息匹配为消费者提供商品或服务。 I claim 7. The invention provides the goods or services in accordance with the merchant by the merchant billing and order information obtained by matching the consumer.
CN 201210017805 2012-01-20 2012-01-20 Commercial scheme of merchant code information payment confirmation system CN102609843A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CN 201210017805 CN102609843A (en) 2012-01-20 2012-01-20 Commercial scheme of merchant code information payment confirmation system

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN 201210017805 CN102609843A (en) 2012-01-20 2012-01-20 Commercial scheme of merchant code information payment confirmation system

Publications (1)

Publication Number Publication Date
CN102609843A true true CN102609843A (en) 2012-07-25

Family

ID=46527193

Family Applications (1)

Application Number Title Priority Date Filing Date
CN 201210017805 CN102609843A (en) 2012-01-20 2012-01-20 Commercial scheme of merchant code information payment confirmation system

Country Status (1)

Country Link
CN (1) CN102609843A (en)

Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20020017561A1 (en) * 2000-08-08 2002-02-14 Hiroyuki Tomoike Electronic payment system using accounting function in a mobile communication network
CN1798361A (en) * 2004-12-24 2006-07-05 华为技术有限公司 Paying off method and system through short message based on intelligent network
CN101051372A (en) * 2006-04-06 2007-10-10 北京易富金川科技有限公司 Method for safety verifying financial business information in electronic business
CN101466086A (en) * 2007-12-17 2009-06-24 江苏省烟草公司徐州市公司 Mobile phone bank system and method
CN101470874A (en) * 2007-12-29 2009-07-01 阿里巴巴集团控股有限公司 Method and system for completing trade through intermediate platform
CN101866517A (en) * 2010-06-24 2010-10-20 深圳市移付宝科技有限公司 Order transfer and mobile payment method for realizing cross-platform payment

Patent Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20020017561A1 (en) * 2000-08-08 2002-02-14 Hiroyuki Tomoike Electronic payment system using accounting function in a mobile communication network
CN1798361A (en) * 2004-12-24 2006-07-05 华为技术有限公司 Paying off method and system through short message based on intelligent network
CN101051372A (en) * 2006-04-06 2007-10-10 北京易富金川科技有限公司 Method for safety verifying financial business information in electronic business
CN101466086A (en) * 2007-12-17 2009-06-24 江苏省烟草公司徐州市公司 Mobile phone bank system and method
CN101470874A (en) * 2007-12-29 2009-07-01 阿里巴巴集团控股有限公司 Method and system for completing trade through intermediate platform
CN101866517A (en) * 2010-06-24 2010-10-20 深圳市移付宝科技有限公司 Order transfer and mobile payment method for realizing cross-platform payment

Similar Documents

Publication Publication Date Title
US20100299212A1 (en) System and method for a commerce window application for computing devices
WO2013015846A1 (en) System and method for coupon-less product level discounts
CN101546401A (en) Electronic payment method and system based on NFC mobile terminal
CN101359383A (en) Non-contact card application management system and management method based on mobile communication
US20110010293A1 (en) Account alias data repository
CN102156943A (en) Information processing system capable of realizing immediate business transaction through mobile terminals embedded in touched core engine and method thereof
CN1667632A (en) Method of mobile payment based on payment confirmation codes
US20130132234A1 (en) Techniques for automating a retail transaction
CN101719255A (en) System and method for electronic coupons based on non-contact handheld payment terminal
CN102346890A (en) Network payment method and system thereof
CN103020821A (en) Payment system and payment method based on mobile terminal
US20140207680A1 (en) System and method for providing a mobile wallet shopping companion application
WO2003009243A1 (en) Mobile electronic funds transfer system and method
CN102117520A (en) Integrated circuit (IC) card-based payment method, management device, server and mobile terminal
CN101840549A (en) System and method for realizing mobile payment in internet sales
CN102184498A (en) Free payment transaction mode of mobile Internet
US20130097078A1 (en) Mobile remote payment system
US20140172531A1 (en) Performing transactions using qr codes
CN103854173A (en) Mobile payment method for field shopping
CN102419846A (en) Point of sale (POS) network-based non-near-field payment system and method
CN103280039A (en) Self-checkout terminal, merchant server, and self-checkout system and method
CN103208064A (en) Online short-range payment method
CN101853458A (en) Method for realizing mobile payment in mobile internet sales
KR20060017990A (en) Information (advertising/coupon) sending service model through handy phone(mobile phone) with credit card transaction
CN103186852A (en) Payment method, payment device and payment system of networked transaction

Legal Events

Date Code Title Description
C06 Publication
C10 Entry into substantive examination