CN103714452A

CN103714452A - Terminal payment method

Info

Publication number: CN103714452A
Application number: CN201210377331.8A
Authority: CN
Inventors: 顾健
Original assignee: Shanghai Bolu Information Technology Co Ltd
Current assignee: Shanghai Bolu Information Technology Co Ltd
Priority date: 2012-10-09
Filing date: 2012-10-09
Publication date: 2014-04-09

Abstract

Disclosed in the invention is a terminal payment method. A terminal scanning module, a binding module, and a certificate module and the like are arranged. A user carries out registration at a system and a payment account is bound to a terminal; when the user is shopping at a merchant store, the terminal is used for scanning a product and the product is added to the virtual shopping cart at the terminal; after the shopping, a shopping list is submitted; the system stores the user shopping list and carries out sum collection, and generates and issues the shopping payment identification bar code of the user, wherein the bar code includes information of payment identification and user identification and the like; the user shows the bar code at the cashier desk; after scanning the bar code, the cashier system obtains the user shopping payment and user identification information and makes a request for deduction of the corresponding sum of money from the bound account of the user; and the user inputs a corresponding payment mode password, and the cashier system deducts the corresponding sum of money for shopping of the corresponding account so as to complete the payment and shopping. According to the invention, on the basis of the shopping cart carried by the terminal as well as settlement and payment document reception, the service experience of convenient terminal-based shopping and payment can be provided for the user.

Description

A kind of terminal method of payment

Technical field

The present invention relates to internet and terminal and payment technology field, refer to especially a kind of terminal method of payment.

Background technology

Along with the development, particularly internet of Internet technology and terminal software technology and the development of terminal technology, for a kind of terminal method of payment provides feasibility.

Generally, user does shopping in places such as supermarkets, traditional mode is that article are concentrated and are placed on the shopping cart of entity and in exit, carry out commodity scanning, valuation, payment, the flow process of printing receipt, in shopping peak, the time that user waits in line is very long, and efficiency is also very low, and user's susceptibility of doing shopping is greatly diminished.

By the go forward side by side identification of the product of doing business of terminal scanning commodity, and joined the virtual shopping cart based on terminal, and when finishing shopping, obtain system and issue the bar code that has comprised the coding that is addressed to this purchase data of user, cash register terminal, the user self-help payment devices providing as trade company or traditional cash register POS machine, user's shopping list data are identified and obtained to scanning barcode, user is on payment devices, as inputted on self-help payment equipment after user's payment cipher, user can complete shopping and the payment flow based on terminal, user is when leaving, trade company can carry out checking or not checking of commodity according to consumption inventory, saved the time of payment under a large amount of traditional approachs.

User terminal is the requisite portable equipment that current people carry, terminal and user account are bound, an equipment using terminal as identifying user identity, by terminal, carry out shopping and the payment of electronics mode, part substitutes the means of payment such as bank card, credit card in the application of shopping.

In view of this, the object of the invention is to propose a kind of simple, in conjunction with a kind of terminal method of payment of barcode technology and software engineering. ?

Summary of the invention

As can be seen from above, user is in system registry, binding payment account, when user does shopping in trade company, use terminal scanning commodity, commodity are added to the virtual shopping cart in terminal, after finishing shopping, submit shopping list to, system is preserved user's shopping list and is carried out the amount of money and gather, generate simultaneously and issue this shopping of user and pay identification bar code, comprise information such as paying identification and user's identification, user shows bar code at cashier, after POS scanning barcode, obtaining user does shopping and pays and customer identification information, the corresponding amount of money of the account of request deduction user binding, user inputs corresponding password, after the shopping amount of money of POS deduction corresponding account, can complete and pay and shopping.

Further, pass through provided a kind of terminal method of payment for the withdraw the money development of business of a kind of terminal provides powerful guarantee, meet the requirement of user each side, promote user friendly experience.

For achieving the above object, one aspect of the present invention provides a kind of terminal method of payment, and the method comprises:

User registers in system, system assignment user profile and authority, user provides user's payment account information, system binding user and user's payment account, in follow-up use procedure, system can inquire the modes of payments that user provides and corresponding payment information by customer identification information.

In an embodiment of a kind of terminal method of payment provided by the invention, the method also comprises:

User is by the bar code on terminal scanning commodity, identify and obtain concrete merchandise news, and select these commodity to add terminal virtual shopping cart or the deletion of the virtual shopping cart terminal, virtual shopping cart calculates and gathers the commodity of user add, and after finishing shopping, submits to user's shopping list combined data to system.

User submits to after shopping list, system judgement subscriber identity information, and the commodity amount of money, according to user identity, can give the discount that commodity that user buys correspondence and user membership and rank are certain, and gather the amount of money after arithmetical discount, preserve user's shopping list after clearing and payment to system, and be that this of shopping generation of user is identified and index information, be encoded to bar code and be issued to user terminal.

User obtains the bar code that system issues, by terminal, show this bar code, POS scans this bar code, resolve content wherein, obtain corresponding customer identification information and corresponding purchase and consumption information and the payment account of user's appointment, by system request, deduct the shopping amount of money corresponding to user, user is at payment cipher corresponding to POS end input payment account, the user account system request of the backward correspondence of system acquisition user payment information pays, and returns to pay status to cash register terminal after successfully deducting the shopping amount of money of user's corresponding account.

Cash register terminal obtains user's payment result state that system is returned, according to user's pay status whether success and user's shopping list is checked after, user can complete and pay and shopping process, and this confirmation is submitted to this purchase data of user of system end, the data of this user's shopping of system log (SYSLOG) and operation.

User can select to carry the article that virtual shopping cart is corresponding or not carry the article in shopping list, after paying, select to carry voluntarily commodity, or system is unified delivery, system is for user extracts the required commodity of user and when user leaves, and consigns to the final payment that mode that user or selection transport directly to specified location in user completes commodity after authentication of users bar code.

Have the following advantages specifically:

Without conventional payment means such as bank cards:

User is without carrying bank card, can do shopping and pay by terminal, system generates bar code and is pushed to after terminal for user, after POS bar code reading, user can complete shopping and pay, without user under traditional approach, need to carry bank card, the means of payment of the traditional shopping ways such as cash, have facilitated user's shopping.

Improve shopping efficiency and shopping experience:

User carries out the combination of electronic business transaction car and actual shopping by terminal, by electronic virtual shopping cart, carry out commodity shopping and clearing fast, further can select the carrying mode of commodity, user can carry voluntarily or selective system is unified the final payment link that the mode of shipment or mode that trade company transports directly to specified location in user complete commodity in whole shopping process, avoid the loaded down with trivial details flow process of the shopping under traditional approach, improved shopping efficiency and shopping experience.

Without terminal, support NFC:

By bar code and interconnected network mode, complete shopping and pay, without terminal, supporting NFC, having reduced the requirement of terminal and hardware cost, being conducive to the universal fast of business.

Accompanying drawing explanation

Accompanying drawing described herein is used to provide a further understanding of the present invention, forms the application's a part, and schematic description and description of the present invention is used for explaining the present invention, does not form inappropriate limitation of the present invention.In the accompanying drawings:

Fig. 1 is grid topology schematic diagram of the present invention.

Fig. 2 is the main network element schematic diagram of system of the present invention.

Fig. 3 is system module structural representation of the present invention.

Fig. 4 is user's register flow path schematic diagram of the present invention.

Fig. 5 is operation flow schematic diagram of the present invention.

Fig. 6 is commodity delivery authentication schematic flow sheet of the present invention.

Embodiment

With reference to the accompanying drawings the present invention is described more fully, exemplary embodiment of the present invention is wherein described.

For achieving the above object, a kind of terminal method of payment has been proposed.

Below in conjunction with the drawings, embodiments of the present invention are described.

The key point that realizes a kind of terminal method of payment is as follows:

User's registration and binding:

Simultaneously, in order to improve level of security, user can select user bound terminal, and verify in use, system is by equipment acquisition characteristics data, comprise hardware characteristics data, software features data, hardware characteristics data take to obtain the data that possess uniqueness characteristic on equipment, as the SIM card ID in terminal, fuselage code, the data such as termination number, or the characteristic of the uniqueness such as MAC Address, and software features data, as software type and edition data, and characteristic is carried out after mapping calculation, bind with user profile, system is permitted Authentication devices login and apparatus characteristic information when equipment is reached the standard grade, as unanimously, allow the various data that device access is corresponding.

Commodity scanning and identification, inquiry:

User is scanned commodity by the camera in terminal, and the bar code in recognition value packing, obtains merchandise news, checks commodity price, and the bar code based on identification joins terminal virtual shopping cart as commodity object.

Virtual shopping cart:

Virtual shopping cart of terminal maintenance, as preserving and a do shopping virtual container of object of maintenance customer, after scanning input commodity, user is as determined purchase, the commodity of identifying after scanning can be joined to virtual shopping cart, meanwhile, for user provides state-maintenance and the management function of virtual shopping cart, user safeguarded the session status of this shopping before shopping finishes for user, and the management of shopping cart, the renewal that comprises commodity, adds the functions such as deletion.

Trade company's identification and selection:

Terminal is when shopping, terminal is by various locator meamss, comprise assistant GPS mode, WIFI locator meams, IP locator meams, obtains user present position, and position-based judgement user place trade company, and possible shopping trade company is preferentially offered to user select, user also can select trade company's object by hand in system.

System clearing:

User submits to after shopping list, system judgement subscriber identity information, and the commodity amount of money, according to user identity, can give the discount that commodity that user buys correspondence and user membership and rank are certain, and gather the amount of money after arithmetical discount, preserve user's shopping list after clearing and payment to system, and be the coded message of this data identification of purchase data generation of user and index, be encoded to bar code and be issued to user terminal.

System and service:

Whole system has comprised payment system, user terminal, mobile network, a plurality of ingredients of core system, the physical entity of each part, in different positions, is coupled by network, by network service, undertaken alternately, as carried out encapsulation and the opening of the function of each system by Web Service mode, as mode, the carrying of serving by HTTP mode and the transmission of message such as REST service based on HTTP.

Comprised:

Bar code service:

System generates bar code and bar-code identification, for example, when terminal None-identified bar code, by submitting to the identification service of captured image Request System end to carry out the identification of bar code.

Merchandise query service:

Code identification commodity based on bar code, inquiry system end commodity data, comprises merchandise news, the various data such as commodity price.

Payment services:

By the open service interface with various payment systems, carry out user's on-line payment, comprise bank card, Net silver, the payment of the various payment platforms such as Alipay, and user complete pay after retrieval system for user's pay status and evidence for payment.

User's authentication service:

User is when being linked into system, and system authenticates user, identification and authenticated.

Trade company's service for checking credentials:

When trade company verifies user's commodity at needs, can take user's commodity to verify processing, bar code on user's displaying terminal, bar-code identification user in system scan terminal and consumption flowing water inventory, obtain this user's this consumption data inventory, and compare by scanning user's commodity and consumption data inventory, as the commodity object that comprises customer consumption inventory thinks and is verified, otherwise enter into commodity abnormality processing flow process.

Main functional modules

As shown in Figure 1, a kind of topology of terminal method of payment mainly comprises:

User terminal 100:

Subscriber terminal equipment, possesses camera scanning and online ability, is generally the equipment such as smart mobile phone, panel computer.

Cashier terminal 101:

The cash register of place trade company when user does shopping, for user provides the payment function based on terminal, and can select commodity that user purchases to verify.

Internet 102:

Comprise fixed the Internet and mobile Internet, the passage of data access and access is provided, as WIFI data channel, mobile communication wireless data channel.

Purchase system 103:

The purchase system of trade company, comprises merchandise control, settlement management, the function of the various purchase systems such as payment management.

Fig. 2 is shown the main network element schematic diagram of system of the present invention, comprises following functional module:

User 200:

The intelligent terminal that user and user use, by terminal scanning commodity, obtains bar code, the various information of receiving system end.

Data network 202:

The data network of carrying user data communication can be the data networks such as mobile data network and WIFI.

Operation system 204:

The consumption service system that provides user to use terminal, is the funtion part of core in whole system, the operation of having carried system business.

Payment system 206:

The payment system of various support on-line payments, as Net silver, the payment systems such as Alipay, provide user's on-line payment function and offer the payment information data of system user.

Commodity inspection 208:

Trade company, in the situation that selecting customer consumption commodity to verify, is identified user and is obtained user's consumption listings data and verify and compare with the customer consumption inventory that system end is preserved by scanning user bar code, and comparison result is provided.

Fig. 3 is shown system module structural representation of the present invention.

As shown in the figure, the modular structure of system comprises:

User side:

Scan module 300:

Scan function module on user terminal, by camera items scanning bar code, recognition value coding.

Shopping cart module 301:

User side shopping cart functional module, realizes the virtual shopping cart based on terminal, after scanning input commodity, commodity is joined to virtual shopping cart and virtual shopping cart is managed.

Registering modules 302:

User side user registering functional module, registers to system, and according to safety setting, acquisition terminal characteristic information and user account information are bound.

Data simultaneous module 303:

The functional module that user side carries out data interaction and synchronizes with system end.

Cash register end:

Scan module 304:

Bar code on the items scanning bar code of cash register end and user terminal, the bar code that the system of recognition value and user side pushes.

Payment module 305:

User carries out the payment of commodity by payment module, the modes of payments that comprises self-service mode and manual type answer payment to pay as identified user after the shopping bar code on self-service end of scan, and the modes of payments of traditional cash register mode.

Commodity authentication module 306:

System end buys to user the functional module that commodity are verified, system can select the commodity that user self-help is paid to verify, the user who preserves by bar code bar code recognition value Compare System end buys commodity and verifies.

Data simultaneous module 307:

Cash register end carries out with system the functional module that data are synchronizeed, and carries out data synchronize with system, obtains user's purchase data inventory and the relevant data of other various shopping.

Data transmission channel 308:

User terminal and cash register terminal equipment and system are carried out mutual data channel, comprise the data channel such as fixed broadband and mobile broadband.

System end:

Service access interface 309:

Mutual and the visit data interface that system end provides to user side and cash register terminal, is undertaken by interface accessing system and system alternately.

Database 310:

System database, storage miscellaneous service data, provide various data access function.

Business logic modules 311:

The logic of business functions module of system end, carries out alternately, completing each service logic flow process with each functional module.

Cash register module 312:

With the functional module that user does shopping and pays, by bar code on scanning user terminal, obtain user's shopping list data and payment data, the functional module that the artificial completing user of user self-help or trade company pays.

Line module 313:

For the function services that user provides user to register, be user assignment account and authority, the relation of user bound and user terminal, leading subscriber.

Shopping service 314:

User's shopping function service module that system end provides, provides the clearing of shopping cart commodity, according to user identity and rank, carries out discount, generates shopping list and answers payment data and shopping flowing water identifying information.

Management configuration module 315:

The administration configuration functional module of system end, configuration-system parameter, manages system.

Bar code module 316:

The bar code function module of system end, is encoded to bar code according to the identifying information of customer consumption data.

Data synchronization service 317:

System carries out with user and cash register terminal the functional module that data are synchronizeed.

System door 318:

System provides access and uses the approach of system for user, and user enters into system by door, use business and business is managed.

Fig. 4 is shown user equipment registration schematic flow sheet of the present invention.

As shown in the figure, user equipment registration flow process comprises following steps:

Step 401: subscriber terminal side acquisition terminal characteristic, Request System registered user and terminal device;

Step 402: system acquisition user request, user's request is verified;

Step 403: system judges whether to meet system registry requirement;

Step 404: as meet system registry requirement, system assignment user account bound device and user data relation are also preserved.

Fig. 6 is shown commodity delivery authentication schematic flow sheet of the present invention.

As shown in the figure, commodity delivery authentication flow process comprises following steps:

Step 601: the shopping bar code on system scan user terminal;

Step 602: identify user and obtain user's shopping list according to scanning barcode;

Step 603: the bar code on the commodity that system scan user reality is held;

Step 604: system identification commodity are also compared with the commodity of customer consumption inventory;

Step 605: as consistent with the commodity on inventory, optionally whether commodity that authentication of users is purchased are consistent with inventory, and unanimously this shopping process finishes, otherwise proceed to abnormality processing.

Give one example to illustrate the use flow process of a kind of terminal method of payment of user of the present invention below, as shown in Figure 5, in this embodiment, operation flow comprises the following steps:

Step 1. user signs in to system;

Step 2. user selects commodity, the bar code in items scanning;

Step 3. terminal recognition commodity, join virtual shopping cart by commodity;

Step 4. user confirms to submit to shopping cart to arrive system after shopping cart data;

Step 5. system acquisition user submits shopping cart data to;

Step 6. system, according to user identity, is calculated user's discount and answers payment;

Step 7. system generates user's shopping list and recognition coding;

Step 8. system generates the bar code that comprises shopping list identifying information and user profile and is pushed to user terminal;

Step 9. user obtains the bar code that system pushes;

Step 10. user shows the bar code of obtaining on cash register, the bar code on cash register scanning user terminal;

After step 11. cash register identification bar code, obtain user's shopping list recognition coding and obtain user and the user payment data of doing shopping to system queries;

Step 12. cash register terminal proceeds to payment interface, and user carries out after payment cipher input, and system is withholdd;

Step 13. is as successfully withholdd, and optionally whether commodity that authentication of users is purchased are consistent with inventory,

Unanimously generate evidence for payment, this shopping process finishes, otherwise proceeds to abnormality processing, as failed, withholds, and proceeds to abnormality processing.

Description of the invention provides for the purpose of example and explanation, and is not exhaustively or limit the invention to disclosed form.Many modifications and variations are obvious for the ordinary skill in the art.Selecting and describing embodiment is for better explanation principle of the present invention and practical application, thereby and makes those of ordinary skill in the art can understand the various embodiment with various modifications that the present invention's design is suitable for special-purpose.

Claims

1. a terminal method of payment, it is characterized in that, user is in system registry, binding payment account, when user does shopping in trade company, use terminal scanning commodity, commodity are added to the virtual shopping cart in terminal, after finishing shopping, submit shopping list to, system is preserved user's shopping list and is carried out the amount of money and gather, generate simultaneously and issue this shopping of user and pay identification bar code, comprise information such as paying identification and user's identification, user shows bar code at cashier, after POS scanning barcode, obtaining user does shopping and pays and customer identification information, the corresponding amount of money of request deduction user destiny account, user inputs corresponding password, after the shopping amount of money of POS deduction corresponding account, can complete and pay and shopping.

2. as claimed in claim 1, user is in system registry, binding payment account, it is characterized in that, user registers in system, system assignment user profile and authority, user provides user's payment account information, system binding user and user's payment account, in follow-up use procedure, system can inquire the modes of payments that user provides and corresponding payment information by customer identification information.

3. as claimed in claim 1, use terminal scanning commodity, commodity are added to the virtual shopping cart in terminal, after finishing shopping, submit shopping list to, it is characterized in that, user is by the bar code on terminal scanning commodity, identify and obtain concrete merchandise news, and select these commodity to add terminal virtual shopping cart or the deletion of the virtual shopping cart terminal, virtual shopping cart calculates and gathers the commodity of user add, and after finishing shopping, submits to user's shopping list combined data to system.

4. as claimed in claim 1, system is preserved user's shopping list and the amount of money gathers, generate simultaneously and issue this shopping of user and pay identification bar code, it is characterized in that, user submits to after shopping list, system judgement subscriber identity information, and the commodity amount of money, according to user identity, can give the discount that commodity that user buys correspondence and user membership and rank are certain, and gather the amount of money after arithmetical discount, user's shopping list after preservation clearing and payment are to system, and be that this purchase data of user generates an identification and index information, be encoded to bar code and be issued to user terminal.

5. as claimed in claim 1, after POS scanning barcode, obtaining user does shopping and pays and customer identification information, the corresponding amount of money of request deduction user destiny account, it is characterized in that, user obtains the bar code that system issues, by terminal, show this bar code, POS scans this bar code, resolve content wherein, obtain corresponding customer identification information and corresponding purchase and consumption information and the payment account of user's appointment, by system request, deduct the shopping amount of money corresponding to user, user is at payment cipher corresponding to POS end input payment account, the user account system request of the backward correspondence of system acquisition user payment information pays, after the shopping amount of money of success deduction user corresponding account, return to pay status to cash register terminal.

6. as claimed in claim 1, after the shopping amount of money of POS deduction corresponding account, can complete and pay and shopping process, it is characterized in that, cash register terminal obtains user's payment result state that system is returned, according to user's pay status whether success and user's shopping list is checked after, user can complete and pay and shopping process, and this confirmation is submitted to this purchase data of user of system end, the data of this user's shopping of system log (SYSLOG) and operation.

7. user is after successfully paying, user can select to carry voluntarily or trade company is unified delivers to user, it is characterized in that, user can select to carry the article that virtual shopping cart is corresponding or not carry the article in shopping list, after paying, select to carry voluntarily commodity, or system is unified delivery, system is for user extracts the required commodity of user and when user leaves, and consigns to the final payment that mode that user or selection transport directly to specified location in user completes commodity after authentication of users bar code.