CN103237032A - Consumption management system and method - Google Patents
Consumption management system and method Download PDFInfo
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- CN103237032A CN103237032A CN2013101508100A CN201310150810A CN103237032A CN 103237032 A CN103237032 A CN 103237032A CN 2013101508100 A CN2013101508100 A CN 2013101508100A CN 201310150810 A CN201310150810 A CN 201310150810A CN 103237032 A CN103237032 A CN 103237032A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
Abstract
The embodiment of the invention provides a consumption management system and a consumption management method. The system comprises a platform module, a payment terminal and a verification module, wherein the platform module is used for receiving consumption action information submitted by users and legal codes of a payment tool used for paying the consumption action by the users, and is used for associating the consumption action information and the legal codes of the payment tool to generate consumption identification codes, the payment terminal is used for collecting practical codes of the payment tool, the verification module is used for receiving the consumption identification codes, receiving the practical codes of the payment tool collected by the payment terminal and judging whether the practical codes are matched with the legal codes in the consumption identification codes or not, and when the practical codes are matched with the legal codes in the consumption identification codes, the consumption action information submitted by the users is obtained according to the consumption identification codes.
Description
Technical field
The present invention relates to the network payment technical field, particularly a kind of consumption management system and method.
Background technology
In information technology highly developed today, the Internet becomes necessary part in the daily life already; And carry out purchase and consumption and pay also becoming very general already by network, provide the platform of services such as " net purchase ", " purchasing by group " more and more.Modal shopping at network mainly contains following dual mode: one for buying physical commodity, and as clothes, daily necessities, electronic product etc., network selling businessman often adopts the mode of express delivery or mailing physical commodity to be sent to user's location; Another is the consumption virtual goods, as film ticket, sight spot admission ticket, make a reservation or photograph, leisure services such as beauty treatment, bathing; This class consumption often needs the user to go to the trade company location to enjoy the service item of its consumption.
Second type consumption on network wherein, the most common a kind of mode i.e. generally popular " purchasing by group " now.At the consumption on network of the type, present stage, relatively more conventional flow process was, the user is after having carried out a certain consume activity, and the network platform (being generally the website that this article of consumption is provided) sends a series of coding to user's mobile phone; When the user enjoys this article of consumption in trade company, show this coding to trade company, trade company's one side's input coding is verified to network system to confirm whether this user has effectively participated in the service item that this trade company provides, and which service item the user has specifically consumed.The actual process that payment takes place of user may be undertaken by network, also may carry out in that trade company is actual.
Verify according to above-mentioned mode by coding and client's consumer behavior to have following defective: trade company needs manual coding to be inputed to the network platform when the checking coding, and manually the process of input coding is comparatively loaded down with trivial details, and speed is made mistakes slowly and easily; The user also needs coding is preserved simultaneously, has increased the extra processing behavior of user; On the other hand, because described coding only be numeral or letter composition, be easy to stolenly, also there is hidden danger in the fail safe aspect of aforesaid way.
Summary of the invention
In view of this, the object of the present invention is to provide a kind of consumption management system and method, by the mode of the means of payment and consumer behavior binding, thereby realize that the checking of consumer behavior and two processes of payment of swiping the card unite two into one, and make the quick more and safety of whole process of consumption.
For achieving the above object, the present invention has following technical scheme:
A kind of consumption management system, described system comprises following:
Console module be used for to receive consumption action message that the user submits to and user the legal encodings of the means of payment of paying is moved in this consumption; Related described consumption action message and means of payment legal encodings generate the consumption identification code;
Payment terminal is used for the means of payment are carried out the collection of actual coding;
Authentication module, be used for receiving described consumption identification code, and receive the means of payment actual coding that described payment terminal is gathered, judge whether described actual coding and the legal encodings in the consumption identification code mate, when the two coupling is then obtained the consumption action message that the user submits to according to this consumption identification code.
Described console module specifically comprises:
The key generation unit, for the PKI and the private key that generate a pair of unique coupling, and with described PKI preservation;
Interface unit is used for when consumer behavior takes place the user, extracts the consumption action message, and the indication user imports one in order to the legal encodings of the means of payment of payment and receives;
Associative cell is used for related described consumption action message and means of payment legal encodings and generates the first consumption identification code;
Ciphering unit is used for described PKI the first consumption identification code being encrypted, and generates the described second consumption identification code.
Described system also comprises:
The key handling module, be used for receiving and preserving the private key that described key generation unit generates, receive the described second consumption identification code and utilize described private key to be decrypted computing, with preset encryption algorithm the second consumption identification code after deciphering is encrypted computing again, obtain legal consumption identification code.
Described key handling module also is used for, and receives the means of payment actual coding that payment terminal is gathered, and with preset encryption algorithm described actual coding is encrypted computing, obtains the real consumption identification code.
Described preset encryption algorithm is specially symmetry algorithm.
Described authentication module specifically comprises:
Collector unit is used for collecting described legal consumption identification code and real consumption identification code;
Matching unit is used for described legal consumption identification code and real consumption identification code are mated;
Feedback unit is used at legal consumption identification code when the match is successful with the real consumption identification code, extracts the consumption action message that comprises in the described legal consumption identification code and feeds back; Or feeding back unsuccessful prompting when coupling is unsuccessful.
The described means of payment specifically comprise:
Credit card, debit card, member card, coupons or virtual payment instrument.
Described consumption action message comprises:
User profile and article of consumption information; Described user profile comprises user name and subscriber phone number; Described article of consumption information comprises the consumption amount of money, article of consumption title, article of consumption content, favor information and/or the article of consumption term of validity.
A kind of consumption management method said method comprising the steps of:
Receive consumption action message that the user submits to and user the legal encodings of the means of payment of paying is moved in this consumption; Related described consumption action message and means of payment legal encodings generate the consumption identification code;
The means of payment are carried out the collection of actual coding;
Judge whether described actual coding and the legal encodings in the consumption identification code mate, when the two coupling is then obtained the consumption action message that the user submits to according to this consumption identification code.
Described generation consumption identification code is specially:
Generate PKI and the private key of a pair of unique coupling;
The identification code that the described consumption action message of association and means of payment legal encodings are obtained is as the first consumption identification code; With described PKI the first consumption identification code is encrypted, generates the described second consumption identification code;
Utilize described private key that the second consumption identification code is decrypted computing, with preset encryption algorithm the second consumption identification code after deciphering is encrypted computing again, obtain legal consumption identification code.
Described method also comprises:
With preset encryption algorithm described actual coding is encrypted computing, obtains the real consumption identification code.
Describedly judge whether described actual coding mates with the legal encodings of consumption in the identification code and be specially:
Described legal consumption identification code and real consumption identification code are mated.
According to above technical scheme as can be known, the beneficial effect that the present invention exists is: the means of payment are numbered the consumption identification code that obtains with the related binding of consumption action message, trade company is in the user card punching payment, carry out the checking of consumer behavior and obtaining of consumption action message by described consumption identification code, thereby two processes of Zhi Fuyu checking are united two into one; Avoided traditional and sent the process of manual this coding of typing of a series of codings and trade company to the user, improved efficient and the accuracy of consumption proof procedure; Also avoid simultaneously above-mentioned a series of coding stolen defective easily, increased the fail safe of process of consumption.
Description of drawings
In order to be illustrated more clearly in the embodiment of the invention or technical scheme of the prior art, to do to introduce simply to the accompanying drawing of required use in embodiment or the description of the Prior Art below, apparently, accompanying drawing in describing below is some embodiments of the present invention, for those of ordinary skills, under the prerequisite of not paying creative work, can also obtain other accompanying drawing according to these accompanying drawings.
Fig. 1 is the described system configuration schematic diagram of the embodiment of the invention;
Fig. 2 is the described method flow diagram of the embodiment of the invention;
Fig. 3 is the described system configuration schematic diagram of another embodiment of the present invention;
Fig. 4 is the described method flow diagram of another embodiment of the present invention.
Embodiment
For the purpose, technical scheme and the advantage that make the embodiment of the invention clearer, below in conjunction with the accompanying drawing in the embodiment of the invention, technical scheme in the embodiment of the invention is clearly and completely described, obviously, described embodiment is the present invention's part embodiment, rather than whole embodiment.Based on the embodiment among the present invention, those of ordinary skills belong to the scope of protection of the invention not making the every other embodiment that obtains under the creative work prerequisite.
Referring to shown in Figure 1, be a specific embodiment of consumption management system of the present invention.Need the user to go to the trade company location to enjoy the consumer behavior of the service item of its consumption at some, the user also needs to experience the proof procedure of a consumer behavior at the trade company place, confirmed that this user has participated in a certain article of consumption, and made trade company learn the particular content of this article of consumption.Realize in the present embodiment related with user's consumer behavior by the means of payment, thereby the proof procedure of payment process and consumer behavior is united two into one, avoided platform for the user sends a series of codings.In the present embodiment, in user's present embodiment, described system specifically comprises:
Console module be used for to receive consumption action message that the user submits to and user the legal encodings of the means of payment of paying is moved in this consumption; Related described consumption action message and means of payment legal encodings generate the consumption identification code.
In the present embodiment, described console module is generally contacting to the user shows article of consumption and website or the network platform of consumer channel are provided, for example shopping website.Shopping website shows relevant information and the specific descriptions of the article of consumption of being issued by each trade company for the user; Described console module receives relevant data message by one or more network platforms.
Participated in some articles of consumption when the user submits order to, namely a consumption action has taken place in this user; The article of consumption information (for example article of consumption title, article of consumption content, the consumption amount of money, the article of consumption term of validity and favor information) that participates in of related this user's user profile (for example user name, subscriber phone number) and user and be made into a consumption action message then.Trade company's one square tube is crossed and is understood the content that comprises in this consumption action message, and getting final product clear and definite provides the article of consumption of its participation and corresponding charge to the user.
In addition, when the consumption action takes place the user, also need to select a payment approach; Concrete console module will indicate the selected means of payment of user to finish the payment of moving for this consumption, and console module receives the legal encodings of these means of payment.Form for the described means of payment in the present embodiment is not made restriction, and any entity or virtual tool with payment function all can be used as the means of payment described in the present embodiment.The described means of payment are the credit card, the debit card that provide of bank often, but also can be that member card or this trade company with this trade company of payment function does the coupons of sending out; Even may be with figure, numbering, the code virtual payment instrument (for example bar code, two-dimension code) as carrier.The legal encodings of the described means of payment can be the card number of credit or debit card, the membership number of member card or the numbering of coupons, the checking that comprises in the virtual payment instrument number; The means of payment that possess payment function in a word all possess a unique numbering and offer console module as described legal encodings.
Console module is after the legal encodings of having obtained consumption action message and the means of payment, and related described consumption action message and means of payment legal encodings generate the consumption identification code.In the present embodiment, the consumption identification code will be as the foundation of consumer behavior proof procedure, so that trade company confirms whether the user has participated in certain article of consumption and participated in any article of consumption.And the related means of payment in order to payment in the consumption identification code, thereby provide prerequisite for the combination of payment process and consumer behavior proof procedure.
Payment terminal is used for the means of payment are carried out the collection of actual coding.
Described payment terminal is positioned at the place at trade company place.Its concrete corresponding device may be POS machine or computer settlement system.When the user goes to the trade company location to obtain the service item of its consumption, also must settle accounts and pay.In the present embodiment because the user participates in consumption by console module, the means of payment of payment usefulness have been selected, and the proof procedure of consumption action is associated with the process of payment, so the user must adopt the previously selected means of payment to settle accounts and pay in the present embodiment.At credit card or debit card, the user can be directly by the clearing of swiping the card of common POS machine; For other means of payment such as member card or coupons, can be by the clearing of swiping the card of the corresponding computer settlement system of trade company.In the middle of the process of clearing payment of swiping the card, the actual coding of the means of payment that payment terminal collection user provides is in order to carry out the subsequent authentication matching process.Described actual coding is corresponding above-mentioned legal encodings, and the two refers to all is unique number of the means of payment, and different is that described legal encodings provides by user's input, will be as the benchmark of checking; And described actual coding is directly to gather by the means of payment in the process of swiping the card, and actual coding will be as a side to be verified.
Authentication module, be used for receiving described consumption identification code, and receive the means of payment actual coding that described payment terminal is gathered, judge whether described actual coding and the legal encodings in the consumption identification code mate, when the two coupling is then obtained the consumption action message that the user submits to according to this consumption identification code.
The two of described authentication module checking is respectively the actual coding of consumption identification code and the means of payment.The roughly thinking of proof procedure can simply be expressed as, and whether the two is consistent for the legal encodings that comprises in the contrast consumption identification code and the actual coding of payment terminal collection.Certainly, under other application scenarioss, may not adopt the mode of direct contrast legal encodings and actual coding, but at first two kinds of codings be made some special processing, compare and mating.If the result of coupling shows two coding unanimities then illustrates that the previously selected means of payment of user are identical with the actual means of payment of paying, just can illustrate that also this user has participated in the article of consumption that this trade company provides, can learn the consumption action message related with these means of payment in the consumption identification code by the numbering of these means of payment, thus the clear and definite particular content of the article of consumption that participates in of this user.
Embodiment illustrated in fig. 1 is a basic embodiment of consumption management system of the present invention.Accordingly, for the described consumption management system of correspondence, also comprise a kind of consumption management method among the present invention.Shown in Figure 2, be the basic embodiment of consumption management method of the present invention, method embodiment shown in Figure 2 is corresponding with system shown in Figure 1 embodiment.Below in conjunction with method shown in Figure 2, make elaboration for the concrete workflow of system shown in Figure 1 embodiment.
Step 201, receive consumption action message that the user submits to and user the legal encodings of the means of payment of paying is moved in this consumption; Related described consumption action message and means of payment legal encodings generate the consumption identification code.
At first, the user browses to certain article of consumption a network platform, and a consumption action that participates in this article of consumption has taken place; Console module obtains the common conduct consumption action message of article of consumption information (for example article of consumption title, article of consumption content, the consumption amount of money, the article of consumption term of validity and favor information) of user profile (for example user name, subscriber phone number) and user's participation.Simultaneously the user moves the legal encodings of the means of payment of paying with as the payment approach to the console module input to this consumption.The related described consumption action message of console module and means of payment legal encodings generate the consumption identification code, to realize the association of Zhi Fuyu consumer behavior checking.
Step 202, the means of payment are carried out the collection of actual coding.
When said process occurs in the user card punching payment.The user need go to the trade company location to enjoy this article of consumption after certain article of consumption that participates in, and finishes the process of the payment of swiping the card in the trade company location.The checking of consumer behavior and payment process merge in the present embodiment, so in the user card punching payment, payment terminal is gathered the actual coding of the means of payment and verified.
Step 203, judge that whether described actual coding and the legal encodings of consumption in the identification code mate, and then obtain the consumption action message of user's submission according to this consumption identification code when the two coupling.
The actual coding of payment terminal collection is mated checking with the legal encodings in the consumption identification code, after checking is passed through, trade company can obtain corresponding consumption action message by the consumption identification code, thereby recognize this user's the consumption amount of money, with and the information such as article of consumption bought so that trade company provides corresponding service and the clearing of charging for the user.
With crossing technique scheme as seen, the beneficial effect that the described system and method for Figure 1 and Figure 2 embodiment exists is: the consumption identification code that the means of payment are obtained with related binding of consumption action, trade company is in the user card punching payment, carry out the checking of consumer behavior and obtaining of article of consumption information by described consumption identification code, thereby two processes of Zhi Fuyu checking are united two into one; Avoided traditional and sent the process of manual this coding of typing of a series of codings and trade company to the user, improved efficient and the accuracy of consumption proof procedure; Also avoid simultaneously above-mentioned a series of coding stolen defective easily, increased the fail safe of process of consumption.
Referring to shown in Figure 3, another specific embodiment for consumption management system of the present invention, in the present embodiment, in the present embodiment, to carry out concrete description for described system in conjunction with scene once: certain user has ordered the Y dining room at shopping website X and has been worth 100 yuan A set meal, and this user to plan with card number be that 001 credit card is finished the payment to A set meal expense.Under this scene, the concrete structure of consumption management system of the present invention is as follows:
Console module be used for to receive consumption action message that the user submits to and user the legal encodings of the means of payment of paying is moved in this consumption; Related described consumption action message and means of payment legal encodings generate the consumption identification code.
In the present embodiment, described console module specifically comprises:
The key generation unit, for the PKI and the private key that generate a pair of unique coupling, and with described PKI preservation.
In the present embodiment, increased the process that the consumption identification code is encrypted and deciphered.The a pair of public and private key that the key generation unit generates helps to realize the process of above-mentioned encryption and deciphering.
Interface unit is used for when consumer behavior takes place the user, extracts the consumption action message, and the indication user imports one in order to the legal encodings of the means of payment of payment and receives.
Described interface unit and user directly carry out the mutual of information, gather consumer behavior information, and the approach of input means of payment legal encodings is provided for the user.In the present embodiment, the user imports the card number 001 of this credit card as legal encodings to interface unit.
In the present embodiment, still comprise user profile and article of consumption information two parts in the described consumption action message.Concrete, described user profile comprises user name and subscriber phone number, this user's user abc by name in the present embodiment, and this subscriber phone number is 12345; Described article of consumption information comprises the consumption amount of money, article of consumption title, article of consumption content, favor information and/or the article of consumption term of validity; In the present embodiment, the article of consumption title is the A set meal, and the consumption amount of money is 100 yuan, and the article of consumption content has shown the vegetable that comprises in the A set meal, does not show in the article of consumption term of validity and the favor information present embodiment.With above-mentioned information integrated as the consumption action message
Associative cell is used for related described consumption action message and means of payment legal encodings and generates the first consumption identification code.
Described relating module will be consumed the action message associated user in order to the credit card number 001 of payment, generate the first consumption identification code.
Ciphering unit is used for described PKI the first consumption identification code being encrypted, and generates the described second consumption identification code.
Because the first consumption identification code does not pass through any encryption, fail safe is relatively poor, be encrypted so the PKI that generates before the utilization of ciphering unit described in the present embodiment and preserve is the first consumption identification code, the consumption identification code after obtaining encrypting is the second consumption identification code.
Payment terminal is used for the means of payment are carried out the collection of actual coding.
In the present embodiment, described payment terminal is specially the POS machine, when the user goes to the Y dining room to have dinner, will be to be numbered the payment of swiping the card of 001 credit card, and the POS machine will be gathered the actual numbering 001 of this credit card when swiping the card.
The key handling module, be used for receiving and preserving the private key that described key generation unit generates, receive the described second consumption identification code and utilize described private key to be decrypted computing, with preset encryption algorithm the second consumption identification code after deciphering is encrypted computing again, obtain legal consumption identification code; Receive the means of payment actual coding that payment terminal is gathered, with preset encryption algorithm described actual coding is encrypted computing, obtain the real consumption identification code.
Described key handling module is functional module newly-increased in the described system of present embodiment.The key handling module is preserved the private key of the cipher key pair of described key generation unit generation.Because PKI and the unique coupling of this private key to the second consumption identification code is encrypted so described key handling module utilizes this private key to be decrypted the second consumption identification code, are reduced to the first consumption identification code with it.
After the deciphering, described key handling module is encrypted computing with preset encryption algorithm to the consumption identification code after deciphering again, obtains legal consumption identification code.Need to prove that described preset encryption algorithm mainly is to carry out computing for means of payment numberings (being 001 in the present embodiment) related in the consumption identification code.Because directly mate with card number and have bigger security risk, easily cause the leakage of card number, so generally speaking must carry out computing to card number by specific algorithm for improving fail safe, in the final proof procedure, to utilize legal consumption identification code to verify, and avoid directly verifying card number.
And the checking of consumer behavior comes down to the coupling of means of payment numbering, so other information datas in the consumption identification code generally need not to carry out similar computing.
Accordingly, the actual coding of payment terminal collection need utilize this preset encryption algorithm to carry out same cryptographic calculation equally; To consume identification code as the border through the actual coding of cryptographic calculation.If the user is the payment of swiping the card of 001 credit card with card number, actual coding identical with legal encodings (being 001) is so then passed through the legal consumption identification code that computing obtains and also must be equated with the real consumption identification code; Otherwise above-mentioned identification code and identification code are inevitable unequal.
In the present embodiment, described key handling module preset encryption algorithm is specially symmetry algorithm.The particular content of symmetry algorithm is well known in the art, does not give unnecessary details at this.
Authentication module, authentication module described in the present embodiment is used for finishing the checking of consumer behavior, and this proof procedure is legal consumption identification code and the checking of real consumption identification code coupling in fact just, and concrete described authentication module comprises:
Collector unit is used for collecting described legal consumption identification code and real consumption identification code.
Matching unit is used for described legal consumption identification code and real consumption identification code are mated.
The coupling of described identification code and identification code judges namely whether the two equates.Known by foregoing description, if the user is the payment of swiping the card of 001 credit card with card number, actual coding identical with legal encodings (being 001) is so then passed through the legal consumption identification code that computing obtains and also must be equated with the real consumption identification code; Otherwise above-mentioned identification code and identification code are inevitable unequal.So when the match is successful the payment of swiping the card that the user adopts the previously selected means of payment to carry out really is described then; And because this credit card 001 and consumption action message related binding, then think to be to consume the user abc of user profile demonstration in the action message if use credit card 001 payment of swiping the card with regard to the identity that can prove the user that swipes the card, phone number is 12345; Finally think the checking of this user by consumer behavior.
Feedback unit is used at legal consumption identification code when the match is successful with the real consumption identification code, extracts the consumption action message that comprises in the described legal consumption identification code and feeds back; Or feeding back unsuccessful prompting when coupling is unsuccessful.
In described identification code and identification code after the match is successful, feedback unit will be consumed action message and feed back to trade company, trade company can be by the article of consumption information in the consumption action message, the article of consumption name of learning user abc is called the A set meal, the consumption amount of money is 100 yuan, and views the vegetable that specifically comprises in the A set meal.Trade company namely according to the consumption amount of money to user's clearing of charging, and the corresponding vegetable that provides the A set meal to comprise for the user is finished whole process of consumption.
In addition, the means of payment of payment are not credits card 001 if the user swipes the card, and then will cause the coupling of described identification code and identification code unsuccessful, and this user can not be by the checking of consumer behavior so, and feedback module will feed back a failure prompting.
System described in the present embodiment is on the basis of system shown in Figure 1, and further the beneficial effect that exists is: increased the process of cryptographic calculation in the present embodiment for described consumption identification code, improved the fail safe of consumer behavior checking; The described systems technology scheme of present embodiment is more complete, and is open more abundant.
Referring to shown in Figure 4, be another specific embodiment of consumption management method of the present invention, in the present embodiment, the corresponding system embodiment shown in Figure 3 of described method.Method is specific as follows described in the present embodiment:
More than the executive agent of four steps be described console module.
The executive agent of this step is described payment terminal.
More than the executive agent of three steps be described key handling module.
More than the executive agent of two steps be described authentication module.
Method embodiment shown in Figure 4 is corresponding system embodiment shown in Figure 3 in essence, and its beneficial effect is also identical with system shown in Figure 3 embodiment.
Need to prove also that for the present invention the core of consumption management system of the present invention and method is, with means of payment binding consumption action, thereby realize the checking of consumption when being implemented in actual delivery.That is to say that the distinctive means of payment is not exist in the prior art among the present invention.The means of payment of setting forth among the present invention, can the corresponding single network platform in the middle of; Also can under the situation that has information sharing and payment intercommunication between the network platform, be applicable between a plurality of network platforms.And when the described means of payment need be applied between a plurality of network platforms, each network platform need utilize unified coding rule to make the consumption identification code.
The above only is preferred implementation of the present invention; should be pointed out that for those skilled in the art, under the prerequisite that does not break away from the principle of the invention; can also make some improvements and modifications, these improvements and modifications also should be considered as protection scope of the present invention.
Claims (12)
1. a consumption management system is characterized in that, described system comprises following:
Console module be used for to receive consumption action message that the user submits to and user the legal encodings of the means of payment of paying is moved in this consumption; Related described consumption action message and means of payment legal encodings generate the consumption identification code;
Payment terminal is used for the means of payment are carried out the collection of actual coding;
Authentication module, be used for receiving described consumption identification code, and receive the means of payment actual coding that described payment terminal is gathered, judge whether described actual coding and the legal encodings in the consumption identification code mate, when the two coupling is then obtained the consumption action message that the user submits to according to this consumption identification code.
2. according to the described system of claim 1, it is characterized in that described console module specifically comprises:
The key generation unit, for the PKI and the private key that generate a pair of unique coupling, and with described PKI preservation;
Interface unit is used for when consumer behavior takes place the user, extracts the consumption action message, and the indication user imports one in order to the legal encodings of the means of payment of payment and receives;
Associative cell is used for related described consumption action message and means of payment legal encodings and generates the first consumption identification code;
Ciphering unit is used for described PKI the first consumption identification code being encrypted, and generates the described second consumption identification code.
3. according to the described system of claim 2, it is characterized in that described system also comprises:
The key handling module, be used for receiving and preserving the private key that described key generation unit generates, receive the described second consumption identification code and utilize described private key to be decrypted computing, with preset encryption algorithm the second consumption identification code after deciphering is encrypted computing again, obtain legal consumption identification code.
4. according to the described system of claim 3, it is characterized in that:
Described key handling module also is used for, and receives the means of payment actual coding that payment terminal is gathered, and with preset encryption algorithm described actual coding is encrypted computing, obtains the real consumption identification code.
5. according to the described system of claim 4, it is characterized in that described preset encryption algorithm is specially symmetry algorithm.
6. according to the described system of claim 4, it is characterized in that described authentication module specifically comprises:
Collector unit is used for collecting described legal consumption identification code and real consumption identification code;
Matching unit is used for described legal consumption identification code and real consumption identification code are mated;
Feedback unit is used at legal consumption identification code when the match is successful with the real consumption identification code, extracts the consumption action message that comprises in the described legal consumption identification code and feeds back; Or feeding back unsuccessful prompting when coupling is unsuccessful.
7. according to any described system of claim 1-6, it is characterized in that the described means of payment specifically comprise:
Credit card, debit card, member card, coupons or virtual payment instrument.
8. according to any described system of claim 1-6, it is characterized in that described consumption action message comprises:
User profile and article of consumption information; Described user profile comprises user name and subscriber phone number; Described article of consumption information comprises the consumption amount of money, article of consumption title, article of consumption content, favor information and/or the article of consumption term of validity.
9. a consumption management method is characterized in that, said method comprising the steps of:
Receive consumption action message that the user submits to and user the legal encodings of the means of payment of paying is moved in this consumption; Related described consumption action message and means of payment legal encodings generate the consumption identification code;
The means of payment are carried out the collection of actual coding;
Judge whether described actual coding and the legal encodings in the consumption identification code mate, when the two coupling is then obtained the consumption action message that the user submits to according to this consumption identification code.
10. according to the described method of claim 9, it is characterized in that described generation consumption identification code is specially:
Generate PKI and the private key of a pair of unique coupling;
The identification code that the described consumption action message of association and means of payment legal encodings are obtained is as the first consumption identification code; With described PKI the first consumption identification code is encrypted, generates the described second consumption identification code;
Utilize described private key that the second consumption identification code is decrypted computing, with preset encryption algorithm the second consumption identification code after deciphering is encrypted computing again, obtain legal consumption identification code.
11., it is characterized in that described method also comprises according to the described method of claim 10:
With preset encryption algorithm described actual coding is encrypted computing, obtains the real consumption identification code.
12. according to the described method of claim 11, it is characterized in that, describedly judge whether described actual coding mates with the legal encodings of consumption in the identification code and be specially:
Described legal consumption identification code and real consumption identification code are mated.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2013101508100A CN103237032A (en) | 2013-04-26 | 2013-04-26 | Consumption management system and method |
| PCT/CN2013/077230 WO2014172967A1 (en) | 2013-04-26 | 2013-06-14 | Consumption management system and method |
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| Application Number | Priority Date | Filing Date | Title |
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| CN2013101508100A CN103237032A (en) | 2013-04-26 | 2013-04-26 | Consumption management system and method |
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| CN103237032A true CN103237032A (en) | 2013-08-07 |
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| CN (1) | CN103237032A (en) |
| WO (1) | WO2014172967A1 (en) |
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Also Published As
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| WO2014172967A1 (en) | 2014-10-30 |
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