CN103544634A

CN103544634A - Similar ATT (automatic transfer of title) business value adding method on basis of Unionpay POS (point-of-sale) system

Info

Publication number: CN103544634A
Application number: CN201310478654.0A
Authority: CN
Inventors: 刘嘉
Original assignee: Individual
Current assignee: Individual
Priority date: 2013-10-14
Filing date: 2013-10-14
Publication date: 2014-01-29

Abstract

The invention relates to a similar ATT (automatic transfer of title) business value adding method on the basis of a Unionpay POS (point-of-sale) system. The similar ATT business value adding method includes (1), storing swiping card data of merchants and cardholders in a Unionpay POS acquiring system; (2), transmitting the swiping card data to an ATT value adding server in a Unionpay approved authorization message manner; (3), qualitatively and quantitatively judging operating behavior and consuming behavior of the merchants and the cardholders by means of analysis by various operating objective behavior analytical processes and respectively attaching value adding service permission with different definitions and numerical values to the merchants and the cardholders; (4), performing operating and consuming permission confirmation and settlement on the value adding service permission and the numerical values of the merchants and the cardholders via internet transaction and payment and Unionpay POS card swiping. The similar ATT business value adding method has the advantages that electronic commerce application is developed for the merchants, operating integrity degrees of the merchants can be objectively evaluated, and a market-based approach for boosting domestic consumption is opened.

Description

A kind of class ATT business value adding method based on Unionpay's POS system

Technical field

The present invention relates to a kind of Unionpay POS system using method, relate in particular to a kind of class ATT business value adding method based on Unionpay's POS system.

Background technology

The POS of Unionpay machine, be called for short POS terminal, first terminal sends to information the platform of Unionpay by the mode of telephone line dialing, after the information of withholing can being sent to the confirmation of ，Jing issuing bank of issuing bank after Unionpay's land identification relevant information, then the information that postbacks is to Unionpay's platform, after Unionpay confirms, can more processed information be sent to preposition terminal, terminal is received the information after confirmation, then prints document.

The POS of Unionpay machine capital settlement, use the same as ATM, withdraws cash on the machine such as the other Yi Jia of being stuck in of certain bank bank, is exactly that the system platform that provides by Unionpay of both systems is carried out data and transmitted and make to have concluded the business.POS machine is that guest's credit card issuer and Clearing House is most important too.It provides system to make to have concluded the business, and the account Qu，Xiang businessman that opens an account that the responsible fund producing swiping the card is got to businessman collects service charge.Unionpay is an information delivery platform just, only has bank to have the right to send instruction and the allotted fund of transaction.The system of the Clearing House of businessman connects by Unionpay.

POS machine must connect and could conclude the business with the network of Unionpay.The mode difference connecting has just produced dissimilar POS.By communication modes, be divided into two large classes: fixedly POS machine and wireless POS machine.Fixedly the advantage of POS machine is: 1, software upgrading and maintenance are easy; 2, network dial mode, dial speed is fast; 3, POS transaction clearance easily.Described fixedly POS machine shortcoming is: need line operation, guest need to arrive cashier and pay a bill, the trade company of the project of applicable integrated transformation.The advantage of wireless POS machine is: 1, radio operation, place of payment formal freedom; 2, volume is little.Described wireless POS machine shortcoming is: 1, communication signal is unstable; 2, data are easily lost; 3, cost is high.

In November, 2008, Unionpay has released " Unionpay cellphones payment " service by mobile-phone payment in Guangdong Province, when user uses " Unionpay cellphones payment " service payment, Unionpay cellphones paying centre meeting active call user's cell-phone telephone number, after user's incoming call answering, can report payment information to user, after the password that user's input validation on mobile phone pays, Unionpay cellphones paying centre is just from the payment of deducting money of user's account.This by the electric paying method of mobile phone, be particularly suitable for some non-aspectant methods of payment.

Chinese Patent Application No. be 200910105358.X Patent Application Publication a kind of method of registering payment services for Unionpay cellphones, described method comprises: 1. user is when merchant purchasing mobile phone, trade company is by the POS of Unionpay machine brush user's bank card, by the machine-readable bank card number of taking family of the POS of Unionpay, then user is sent to Unionpay cellphones paying centre at the POS of Unionpay machine input user's cell-phone telephone number and the bank card password ，Zai You POS of Unionpay machine by registration materials such as the card number of this bank card, user's cell-phone telephone number and bank card password; 2. Unionpay cellphones paying centre is checked this bank card password and is preserved one period of fixed time this registration material is temporary transient after errorless, and for example the fixed time is 5 minutes; 3. during this period of fixed time, user uses the registering telephone numbers of his mobile phone dialing Unionpay cellphones paying centre; 4. Unionpay cellphones paying centre is found out registration material that should user from the telephone number of incoming call the registration material of temporarily preserving, and the incoming call of listening user mobile phone, then by computerized speech indicating user, inputs payment cipher; 5. user inputs payment cipher according to the indication of computerized speech on cell phone keyboard, then Unionpay cellphones paying centre check this payment cipher meet the requirements errorless after, in system, offer a new payment account, and user's bank card number is bundled mutually with cell-phone telephone number and this payment account, then adopt this payment cipher as the password of this payment account; 6. send short messages and notify user to user's mobile phone in Unionpay cellphones paying centre, successfully opens payment services for Unionpay cellphones.

The method of above-mentioned disclosed a kind of registering payment services for Unionpay cellphones is still deposited defect in the following areas: trade company is difficult to carry out E-business applications, carry out trade company manages credibility objective evaluation, for pulling domestic demand consumption to open market approach.Be unfavorable for for holder consumes increment, consumption rights guarantee, excited consumption enthusiasm and expanded consumption on network space.

Summary of the invention

The technical problem to be solved in the present invention is the defect that overcomes prior art, and a kind of class ATT business value adding method based on Unionpay's POS system that overcomes above-mentioned technical matters is provided.

In order to solve the problems of the technologies described above, the technical scheme of a kind of class ATT business value adding method based on Unionpay's POS system of the present invention is as follows:

A class ATT business value adding method for Unionpay's POS system, comprising:

(1) ,Jiang trade company and holder's brushing card data is stored in the POS of Unionpay and receives single system;

(2), described brushing card data is transferred to ATT value-added server by the entitlement message mode through Unionpay's approval;

(3), operation, the consumer behavior of analyzing ，Dui trade company and holder by the objective behavior analysis method of diversified economy carry out judgement qualitative, quantification, gives respectively value-added service authority and the numerical value of different definition;

(4) ,Jiang trade company and holder's value-added service authority and numerical value, confirm and clearing by the authority that internet business pays, the POS of Unionpay swipes the card and carries on the work, consumes.

Further, the application menu of the described POS of Unionpay receipts single system is used for identifying facility, interchanger identity, the classification of swiping the card, character, data.

Further, the described POS of Unionpay receives treatment technology, multiple message data interface transmission technology and the remote data base technology of single system adoption of innovation ATT business model.

Beneficial effect of the present invention is:

1, realized trade company and carried out E-business applications, carry out trade company and manage credibility objective evaluation, for pulling domestic demand consumption to open market approach.

2,, for holder consumes increment, consumption rights guarantee, excited consumption enthusiasm and expanded consumption on network space.

3, the OTO management mode that service sector e-commerce industry is provided of innovation.

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Accompanying drawing explanation

As shown be a kind of class ATT business value adding method process flow diagram based on Unionpay's POS system.

Mark is as follows: the POS of ,3-Unionpay of ,2-Unionpay of 1-trade company receives single system, 4-application menu, 5-ATT value-added server, 6-value-added service authority and numerical value, 7-internet business.

Embodiment

Below in conjunction with Figure of description, the preferred embodiments of the present invention are described, should be appreciated that preferred embodiment described herein, only for description and interpretation the present invention, is not intended to limit the present invention.

As shown in the figure, a kind of class ATT business value adding method based on Unionpay's POS system, comprising:

(1) brushing card data of ,Jiang trade company 1 and holder's (not shown) is stored in the POS of Unionpay and receives single system 3;

(2), described brushing card data is transferred to ATT value-added server 5 by the entitlement message mode through Unionpay's 2 approvals;

(3), operation, the consumer behavior of analyzing ，Dui trade company and holder by the objective behavior analysis method of diversified economy carry out judgement qualitative, quantification, gives respectively value-added service authority and the numerical value 6 of different definition;

(4) ,Jiang trade company and holder's value-added service authority and numerical value 6, confirm and clearing by the authority that internet business 7 pays, the POS of Unionpay swipes the card and carries on the work, consumes.

The described POS of Unionpay receives the application menu 4 of single system for identifying facility, interchanger identity, the classification of swiping the card, character, data.

The described POS of Unionpay receives treatment technology, multiple message data interface transmission technology and the remote data base technology of single system adoption of innovation ATT business model.

The described class ATT business value adding method based on Unionpay's POS system, by bank card POS, receive the data transmission of single system 3, by trade company and holder's brushing card data and trade company's bank account (not shown) operation information, by the entitlement message mode through Unionpay's 2 approvals, be transferred to application menu 4 and identify facility, interchanger identity, the classification of swiping the card, character, data, then identification data is transferred to ATT value-added server 5, via the objective behavior analysis method of diversified economy, operation to trade company and holder, consumer behavior is carried out closely qualitative, the judgement of quantification, carry out internet business 7, and then provide value added service.

" bank card POS is received single " licence plate qualification that native system must be provided based on People's Bank of China, the mandate cooperation at each bank card center, the ATT database authenticating by People's Bank of China's financial security can be implemented.

The present invention is not limited to above-mentioned embodiment, and in the situation that not deviating from flesh and blood of the present invention, any distortion it may occur to persons skilled in the art that, improvement, replacement all fall into the protection domain that claim of the present invention is recorded.

Claims

1. the class ATT business value adding method based on Unionpay's POS system, is characterized in that, described value adding method comprises:

2. a kind of class ATT business value adding method based on Unionpay's POS system according to claim 1, is characterized in that, the application menu that the described POS of Unionpay receives single system is used for identifying facility, interchanger identity, the classification of swiping the card, character, data.

3. a kind of class ATT business value adding method based on Unionpay's POS system according to claim 1, it is characterized in that, the described POS of Unionpay receives treatment technology, multiple message data interface transmission technology and the remote data base technology of single system adoption of innovation ATT business model.