CN104322035A - Service system based on user medium - Google Patents
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- 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
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Abstract
Disclosed is a service system based on a user medium for remote electronic commerce. The system comprises at least one user medium associated with a user, with the user medium having an inner code of the user medium therein, at least one card reading device and a data platform; wherein the data platform receives the inner code corresponding to the user medium, which is read by the at least one card reading device, and uses the inner code as login information of a user account for verification, verifying whether the inner code has the corresponding user account and completing logging into the user account after the verification is passed. The system provided by the present invention can help different users realize simple and safe electronic commerce transaction services, and meanwhile, except the inner code of the user medium, no other information associated with the user is transmitted over a public network, so that such a login manner can effectively prevent personal information about the user from being intercepted illegally and the resultant problems of being cracked or being used maliciously, etc.
Description
Technical field
The present invention relates to a kind of teller system of information service Network Based, be specifically related to the system that a kind of back-end data platform by user media and associated realizes simple and safe shopping at network.
Background technology
Along with the high speed development of information network technique, the network life has become one way of life mode, is the indispensable part of people's daily life.By network, people can obtain various life requirement information easily, as shopping, study etc., not only save time, and convenient; But, existing shopping online Consumer's Experience is poor, seriously constrain the use on a large scale of people, be mainly reflected in two aspects: one is that shopping process is loaded down with trivial details, general user is from login shopping website, the free choice of goods, put shopping cart into, determine to buy, determine contact method, determine deliver goods place, determine the means of payment until payment transaction completes, operating procedure reaches tens, and Consumer's Experience is poor; Two is that the payment transaction of user is comparatively complicated, and the fail safe of operation is not high, and the potential safety hazard of human operational error and network payment is higher.
Existing method of payment user or pass through Payment Online; Or paid by bank card under line.The Third-party payment account of the bank card Web bank that user's Payment Online is generally opened by user oneself or registration, such as Alipay, pay, but this method often needs the log-on message inputting user, 16 card numbers etc. of bank card, if any password, also need to input password, often need to carry out the operations such as a series of checking simultaneously, concerning the elderly being unfamiliar with computation and infrequently carry out online operation crowd, it is difficult for completing such operation, simultaneously, such operation not only complicated operation, also be easy to make mistakes, and there is Network Security Vulnerabilities to result in greater loss to user, in actual life, a lot of user often abandons shopping at network because of the means of payment loaded down with trivial details like this.
User is paid by bank card under line, equally also can there are some problems, and a lot of the elderly is also unaccustomed to transaction of often swiping the card on the one hand, often also can there is certain security risk in brush bank card on the other hand, due to relevant individual and the fund information of user generally all can be had in existing bank card, after user card punching transaction, card internal information and Transaction Information can be transmitted in each data center by PSTN network or GPRS network with the form of the packet of encryption, once packet is illegally intercepted and is deciphered, or reader device is juggled things, all information so in subscriber card are all likely copied illegally, thus result in greater loss to user, this is also that a lot of people is unwilling frequently to use the reason of bank card now.
Summary of the invention
For overcoming the above problems, an object of the present invention is to provide a kind of network information service subscriber management service system easy to use, and it not only can greatly reduce the operating process of user when shopping at network, reduces operation easier; User can also be met a kind of simple, safe, efficient payment transaction service is provided when carrying out shopping at network.
For reaching above object, one of the solution of the present invention is a kind of service system based on user media for electronic remote commercial affairs, and this system comprises at least one user media be associated with user; Have a memory cell in this user media, this memory cell preserves an interior coding of this user media; At least one can read coding in this user media and the reader device outwards sent by coding in reading; And data platform, this data platform is for preserving the user account of each user, this user account includes user basic information and a user's capital management account created for this user, wherein, the contact telephone number of user that at least comprises of this user profile and the geographical location information of user; Wherein, coding in the reception of this data platform is corresponding from the user media of this at least one reader device reading, and use this interior coding to verify as to the log-on message of this user account, verify whether this interior coding has corresponding user account and the login completed after being verified this user account.
This kind of system provided by the invention can help different users to realize simple, safe e-commerce transaction service, user only needs the free choice of goods or service, read user media by reader device, and obtain being verified and confirming just to complete whole operating process of user data platform; Meanwhile, in whole operating process, user only needs to read interior card number and confirmation, the information loaded down with trivial details without the need to other and payment information input operation by reader device, is particularly suitable for the person in middle and old age colony operation being much bad at net purchase; Simultaneously, in the reciprocal process of whole information, except coding in this user media, there is no other other information be associated with user to transmit on public network, thus this login mode can effectively avoid userspersonal information intercepted and captured by illegal and thus produce and be cracked or the problem such as malice use.
Preferably, after this user logs in, this user account is externally received from this data platform and carries out fund with this user account and settle accounts the data message be associated, and proceeds as follows this user account according to this data message: the current account funds data settled accounts by these needs be associated with user account fund in the data message of calculation and user account compares; If it is less than or equal to the account fund data in user account, then data platform is deducted this from current account funds data and is needed to settle accounts the data message of calculation and produce a clearance successful information, and outwards sends; If it is greater than the current account funds data in user account, then data platform produces a clearance failure information and outwards sends.
By above improvement, the solution of the present invention can be applied in the application such as shopping at network, it enormously simplify the operating procedure of user in shopping process particularly input element, thus largely can promote Consumer's Experience, especially, old etc. may be bad at the user group tackling complicated net purchase operating procedure logging program.
Preferably, the identity information of a user media password and/or this user is also comprised with user profile on corresponding data platform of encoding in this user media.
Further, this user media also comprises the outer coding being formed in dielectric surface, and this outer coding and the interior one_to_one corresponding of encoding of medium, this corresponding relation is stored in a data platform.This set can provide more selection for user.
Preferably, user can pass through authentication of users password login data platform, modify oneself geographical location information, media password and subscriber identity information, and is stored in data platform.
Preferably, the user account in this data platform also comprises the history information of another user's fund clearing account and user media use.
Preferably, the amount of money in user account can be default, also can be supplemented with money user's fund account by logon data platform by user.
The limitation be associated with data platform by specific reader device is needed for only there being interior coding, another object of the present invention aims to provide a kind of less demanding to hardware environment, and the system of approximate user's shopping service experience can be possessed, as the electronic retailing system browsed based on internet page.
Accordingly, the present invention second aspect provides a kind of user media service system for electronic remote commercial affairs, and this system comprises at least one user media be associated with user; This user media surface shows an outer coding of this user media; With a data platform, this data platform is for preserving the user account of each user, this user account includes user basic information and a user's capital management account created for this user, and wherein, this user profile at least comprises user cipher and user's telephone number information of user; Wherein, this outer coding of this user media is associated with the user account of this user be kept in data platform, wherein, this outer coding of this user media is associated with the user account of this user be kept in data platform, to such an extent as to this outer coding of this medium and user cipher can be used as signing in on this user account the login authentication information of this user account.
This kind of system provided by the invention can help different users to realize simple, safe realizing E-business service equally.After user's free choice of goods or service, only need the outer coding of input and user cipher, and pass through by user data platform validation and confirm that just can complete whole E-business service operates; Simultaneously, in the whole operating process of login, except this needs user to input outside outer coding and password, user without the need to carrying out the input validation work of complicated loaded down with trivial details various user profile and payment again, thus allows whole E-business service become simple to operate, and the elderly being particularly applicable to much being bad at the Internet uses.In addition, this login mode there is no other information be associated with user and transmits on network, therefore can effectively avoid user profile intercepted and captured by illegal and thus produce and be cracked or the problem such as malice use.
Preferably, after this user logs in, this user account receive need to be associated with user account fund settle accounts calculation data message, and according to this data message, this user account to be proceeded as follows: the current account funds data settled accounts by these needs be associated with user account fund in the data message of calculation and user account compares; If it is less than or equal to the account fund data in user account, then data platform is deducted these needs be associated with user account fund from current account funds data and is settled accounts the data message of calculation and produce a clearance successful information, and outwards sends; If it is greater than the current account funds data in user account, then data platform produces a clearance failure information and outwards sends.
By above improvement, the solution of the present invention can be applied in the application such as shopping at network, it enormously simplify the input element of user in shopping process, thus largely can promote Consumer's Experience, especially, old etc. may be bad at the user group tackling complicated logging program.
Preferably, user account on corresponding data platform of encoding outward with this user media is also associated with the identity information of user's geographical location information and/or this user.
Preferably, user can pass through logon data platform, modify oneself geographical location information, user media password and telephone number information, and is stored in data platform; Meanwhile, user need simultaneous verification to encode with in user media when logging in or outer encode corresponding user account password and or subscriber identity information whether correct.
Preferably, the user account in this data platform at least also comprises the history information of user's fund clearing account and user media use.
Preferably, user is supplemented with money user's fund account by logon data platform.
As specific application, a preferred embodiment of the present invention provides a kind of commodity selection and payment system, and this system comprises at least one user media be associated with user; Have a memory cell in this user media, this memory cell preserves an interior coding of this user media; At least one can read coding in this user media and the reader device outwards sent by coding in reading; And data platform, this data platform is for preserving the user account of each user, this user account includes user basic information and a user's capital management account created for this user, wherein, the contact telephone number of user that at least comprises of this user profile and the geographical location information of user; Wherein, coding in the reception of this data platform is corresponding from the user media of this at least one reader device reading, and use this interior coding to verify as to the log-on message of this user account, verify whether this interior coding has corresponding user account and the login completed after being verified this user account.Also comprise at least one commodity selection terminal, this commodity selection terminal comprises commodity server, and the display module to be associated with this commodity server and input module, wherein, the optional commodity that display module display of commodity server provides for user and this commodity corresponding can operand, commodity server receive user to wherein corresponding at least one commodity can operand operation and be sent to this commodity server; Wherein, this commodity server receives interior coding corresponding to this user media; Wherein, user data platform receives this interior coding from this commodity server, and use this interior coding to verify as to the log-on message of this user account, verify whether this interior coding has corresponding user account and the login completed after being verified this user account; Wherein, this user is logged in this user account by this commodity server, and correspondence can operand operation and the price data of commodity be sent to this data platform clear, data platform can receive the price data of commodity and compare with the data in respective user fund account and feed back and clear result.
This kind of system can provide convenient, simple, safe shopping at network service for user, greatly reduce operation and the online payment difficulty of ecommerce, simplify operating procedure, avoid the tediously long landing program of traditional online payment by modes such as input bank card number, password authentifications, it also effectively prevent possible being intercepted and captured and the problem cracked that the user profile such as such as Bank Account Number, password, user identity are brought in transmission over networks simultaneously.
In said system, if clear successfully, then feed back the account corresponding at least one address information and or other contact details select for user and or confirm.So both the logistics system simply and after shopping at network can carry out seamless link.
For the sake of security, the user profile that this user account is corresponding also comprises the identity information of user cipher and user; Thus to the geographical location information in user account on data platform and telephone number information, and when user cipher is modified, need this interior coding of simultaneous verification and this corresponding user cipher and or subscriber identity information whether correct.
Further, this user media also comprises the outer coding being formed in dielectric surface, and this outer coding and the interior one_to_one corresponding of encoding of medium, this corresponding relation is stored in a data platform.This set can provide more selection for user.In addition, can be the user cipher that this outer encoding setting is corresponding, to such an extent as to this outer coding of this medium and user cipher can be used as signing in on this user account the login authentication information of this user account.
Equally, as to the replacement needing in reader device application model of encoding, another kind of embodiment of the present invention proposes the application of another kind of shopping at network, i.e. another kind of commodity selection and payment system, and this system comprises at least one user media be associated with user; This user media surface shows an outer coding of this user media; A data platform, this data platform is for preserving the user account of each user, this user account includes user basic information and the user's capital management account for this user establishment, and wherein, this user profile at least comprises user cipher and the telephone number information of user; Wherein, this outer coding of this user media is associated with the user account of this user be kept in data platform, to such an extent as to this outer coding of this medium and user cipher can be used to sign in on this user account as to the log-on message of this user account; Also comprise at least one commodity selection terminal, this commodity selection terminal comprises commodity server, and the display module to be associated with this commodity server and input module, wherein, the optional commodity that display module display of commodity server provides for user and this commodity corresponding can operand, commodity server receive user to wherein corresponding at least one commodity can operand operation and be sent to this commodity server; Wherein, this commodity server receives outer coding corresponding to this user media and user cipher; Wherein, user data platform receives this outer coding and user cipher from this commodity server, and use this outer coding to verify as to the log-on message of this user account, verify whether this outer coding has corresponding user account and the login completed after user cipher is verified this user account; Wherein, this user is logged in this user account by this commodity server, and correspondence can operand operation and the price data of commodity be sent to this data platform clear, data platform can receive the price data of commodity and compare with the data in respective user fund account and feed back and clear result.
Equally, if clear successfully, then feed back the account corresponding at least one telephone number and or the geographic location information of user select for user and or confirm.
In like manner, the user profile that this user account is corresponding also comprise user geographical location information and or the identity information of user; This user to need the outer coding of this user media of simultaneous verification whether to have corresponding user account when user account logs on data platform and this user cipher whether correct.
Other advantages of the present invention and feature become apparent in description taken together with the accompanying drawings below.
Accompanying drawing explanation
Fig. 1 is the structure chart of user media of the present invention.
Fig. 2 is the system diagram after user media of the present invention associates with data platform.
Fig. 3 is user media of the present invention and shopping terminals, and the system diagram after data platform association.
Fig. 4 is the structure chart of medium dispensing apparatus.
Fig. 5 is the structure chart of commodity selection and payment system.
Fig. 6 A, 6B show the interface of commodity selection and payment system, wherein, 6A be the object of display by state during operation, 6B is that the object of display is by the state after operating.
Fig. 7 is the action flow chart of commodity server.
Fig. 8 is the payment process flow chart of data platform.
Embodiment
With reference to the accompanying drawings various embodiment of the present invention is described.
Fig. 1 is a kind of user media of the present invention, such as block the structure chart of shape user media 100, user media comprises a memory cell 101, this cell stores have corresponding with this user media unique in encode, a such as random number code, the interior coding of this user media 100 can be read by a reading device 203 and be identified at data platform by a data platform 300; On this data platform, 300 have a user account 301, this user account 310 preserves the holder for this user media 100, the i.e. contact telephone number of user, the geographical location information of this holder, can also comprise can be such as the information such as user cipher and user identity, and the accounts information of clearing account that this data platform 300 creates for it, accounts information can comprise supplements record, remaining sum, available amount etc. with money.
As shown in Figure 2,3, preferably or alternatively, user media includes an outer coding, this outer coding can with this user media in encode one_to_one corresponding, or it can be additional to does not have on the user media of internal storage, append mode can be printing, marking etc.Outer coding be user or other people can see, interior coding then needs to be read out by reading device.It is emphasized that the memory cell of this user media is interior and generally only preserve this interior coding, and do not preserve the such as information such as user identity, the account amount of money, therefore, when reading device carries out read operation to it, the transmission of this type of information can't occur.
Data platform 300 can be arbitrary server, and the communication of itself and reading device 203 can be realized by wired or wireless mode, such as cable, category-5 cable, or WIFI, GRPS etc.; The distance that reading device and data platform are generally apart from each other, general near and be connected to the terminal that user uses.
When user media has interior coding, the location can directly arriving data platform by such as user that associates of the information of data platform 300 and the user media 100 of user is handled and is realized, also can be achieved in the following ways, namely one user media acquiring apparatus is provided, this device 200 as shown in Figure 4, can comprise and read user's identify label medium 100, such as, information in identity card, card reader of ID card 203, the medium be read can be RFID, as the technology that current Chinese second generation identity card has adopted, corresponding, therefore card reader 203 can be RFID card reader.The information in the identify label medium 300 of user can be read by this card reader 203, such as, user's name, permanent address etc.The equipment 200 can accessed by user also comprises a medium and provides module 204, its detailed construction as shown in Figure 4, with reference to Fig. 5, this medium is provided in module 204 and is stored multiple user medias 100, it has interior coding and outer coding, it just registered at data platform 300 before being placed on medium granting module 204, and namely by card number in medium granting module, server can know which this medium provide module granting from.In order to accomplish this point, can provide in module 204 at medium and a medium information reading position is set, after an information service medium is delivered to this medium information reading position by connecting gear, medium information reads the media reader at position place, such as RFID card reader for RFID, namely can read the information in this medium, and send to server 100 by the control unit 202 of the equipment 200 can accessed by user, because the control unit of equipment 200 that can be accessed by user all 202 has specific address designation, such as MAC Address, therefore, in order to mark the granting place of this information service medium, the MAC Address of card number and this control unit in information service medium 400 can be sent to server 100 place after binding to preserve.
This device 200 can also comprise to account charging module corresponding to this user media in data platform, this supplement with money module can by bill storage unit or credit card proceed in the user account of data platform certain number for as after carry out consumption be deduction.
As shown in Figure 3, only have the situation of outer coding for user media, such as user media be printed with sequence number plastic clip or be scraps of paper in extreme circumstances.Also aforementioned automatic card equipment can be adopted to provide, or, artificial form can be adopted to provide.Provide the issuer that this only has the user media of outer coding, need to set up clearing account for each outer being coded on data platform in advance, and be each clearing account association relevant user information, user profile can be user's initial password and contact telephone number, even can comprise identity, address etc.Carry out when the issuer that this application is very suitable for user media has grasped the user profile such as the contact telephone number of special group, and provided user media and be only the shopping at network flow process being unfamiliar with the people of operation simplified in its user group.
Certainly, for have interior coding user media method for, aforementioned in advance for the interior coding of each user media 100 correspondence sets up user account, and the information such as such as user identity, station address etc. user account and its known is associated and is also suitable for.
In like manner, a user media can also have interior coding and outer coding simultaneously, as long as its one_to_one corresponding.Namely coding and a user account on the equal corresponding data platform of outer coding in.And all can as the authorization information logging in this user account.Like this, the user media simultaneously with interior coding and outer coding is exactly most preferred.
As above, initial password can be provided for user media, also can provide password that module is set at data platform, after user's Successful login data platform, can arrange or revise its password voluntarily.Change password can in follow-up program with this interior coding or encode outward and one lead to the condition being used as logging in.
For the user media with interior coding, it needs a reading device to be associated with data platform, and for having the user media of outer coding, it generally needs an information terminal, and such as a commodity selection terminal is associated with data platform.
When after having associated of user media and data platform, user both such as can have been logged in by the reading device communicated with data platform the account on data platform, had settled accounts the operations such as calculation.
Wherein, the fund account in user account, such as, clear account, and can be multiple, can also comprise the history information such as transactions history, operation history.
As a kind of preferred Application Example of the present invention, Fig. 5 gives a kind of commodity selection and payment system, as shown in Figure 5, the system that this system comprises user media 100, commodity selection terminal 400 and data platform 300 formation may be used for realizing shopping at network, and reading device 200 can be linked with data platform 300 by network connection.Reading device can be one with this data platform to the commodity server 400A associated, the input module 400C such as commodity server exercisable connection one Message Display Terminal device 400B, such as keyboard, mouse, touch-screen.Optionally, commodity server and a RFID card reader 400D, the exercisable connection of reading device 203 namely in preceding embodiment.
In the embodiment not having RFID card reader 400D, can outer card number be passed through, this commodity server 400A of the log such as password.This outer card number and password can be sent to this data platform and verify by this commodity server 400A; After authentication is passed through.Then continue second operation waiting for user.
As shown in Figure 6A, when user to information be a certain object that device demonstrates operate time, as shown in Figure 6B, such as, when clicking purchase button, whether then the product price data of the object corresponding to this purchase button are sent to data platform by commodity server, then have data platform to provide transaction successfully to feed back.If Transaction Success, then the contact details such as the address about this user stored in this data platform, phone are sent to commodity server, confirm for user.
In commodity server, as shown in Figure 7, first it receive the operation to the object that it is demonstrated by Message Display Terminal 400B that whether there is user and provided by input equipment.This object can be such as previously described button.When after the input receiving Object Operations, determining the pricing information of the commodity that this object is corresponding, such as, is 200 yuan; Again this pricing information be sent to data platform by this and wait for the response of the successful clearance of data platform; If receive the information of successfully clearing, then show to buy successfully and the information displaying such as station address will be obtained from data platform and select or confirmation for user at screen, if do not receive the response of successfully clearing, then show operation unsuccessful.
In data platform, as shown in Figure 8, first it receive pricing information and user profile that commodity server sends, determines the account that this user is corresponding, then determine whether the remaining sum in account is more than or equal to this pricing information; If so, then clear, or claim to settle accounts calculation, namely from remaining sum, reduce this pricing information; If not, then unsuccessful to commodity server feedback operation; Namely clearance reduces this pricing information from remaining sum; Clear the remaining sum of rear renewal user and at least one address information of this user has been sent to commodity server.
Preferably, the information such as such as address, phone etc. that this data platform stores can have many groups, and this multipacket message is supplied to commodity server in the lump, and waits for the selection of user and or confirm.
The advantage of this embodiment of the present invention is, owing to data platform having prestored at least one group of contact method, therefore, and the clearance information of account corresponding to prefabricated user, therefore, multiple operation in the face of user can be carried out in another operating procedure.Like this, can accelerate shopping process, conveniently be unfamiliar with the personnel of computer simultaneously, such as, children, old man etc. utilize this payment system to realize shopping at network.
If adopt RFID card reader 400D as shown in Figure 7 to read rfid card, then without the need to filling in outer card number, and only need optionally to input password.
In another kind of embodiment, commodity selection terminal 400 can be integrated on same device with aforementioned card-issuing equipment 200, namely can share most assembly, such as display module, input module etc.
A large amount of feature and advantage have been set forth in the above description together with the details of 26S Proteasome Structure and Function.Although the present invention is disclosed by several form, be clear that especially to the quantity of equipment with arranges and relevantly can make many amendments, increase and delete for those of ordinary skill in the art, and without the need to the spirit and scope of disengaging as the present invention set forth in following claim and equivalent thereof.Therefore, when can by this teach content recommendation other change or embodiment falls within the width of these claims and scope time, can be retained especially.
Claims (18)
1., for the service system based on user media of electronic remote commercial affairs, this system comprises
At least one user media be associated with user; Have a memory cell in this user media, this memory cell preserves an interior coding of this user media;
At least one can read coding in this user media and the reader device outwards sent by coding in reading; And data platform, this data platform is for preserving the user account of each user, this user account includes user basic information and a user's capital management account created for this user, wherein, the contact telephone number of user that at least comprises of this user profile and the geographical location information of user;
Wherein, coding in the reception of this data platform is corresponding from the user media of this at least one reader device reading, and use this interior coding to verify as to the log-on message of this user account, verify whether this interior coding has corresponding user account and the login completed after being verified this user account.
2. user media service system according to claim 1, it is characterized in that: after this user logs in, this user account is externally received from this data platform and carries out fund with this user account and settle accounts the data message be associated, and proceeds as follows this user account according to this data message:
The current account funds data settled accounts by these needs be associated with user account fund in the data message of calculation and user account compares; If it is less than or equal to the account fund data in user account, then data platform is deducted this from current account funds data and is needed to settle accounts the data message of calculation and produce a clearance successful information, and outwards sends; If it is greater than the current account funds data in user account, then data platform produces a clearance failure information and outwards sends.
3. according to the user media service system of claim 1 or 2, it is characterized in that: also comprise the identity information of a user media password and/or this user with user profile on corresponding data platform of encoding in this user media.
4. according to the user media service system one of claims 1 to 3 Suo Shu, it is characterized in that: this user media also comprises the outer coding being formed in dielectric surface, this outer coding and the interior one_to_one corresponding of encoding of medium, this corresponding relation is stored in a data platform.
5., for a user media service system for electronic remote commercial affairs, this system comprises
At least one user media be associated with user; This user media surface shows an outer coding of this user media; With a data platform, this data platform is for preserving the user account of each user, this user account includes user basic information and a user's capital management account created for this user, and wherein, this user profile at least comprises user cipher and user's telephone number information of user;
Wherein, this outer coding of this user media is associated with the user account of this user be kept in data platform, to such an extent as to this outer coding of this medium and user cipher can be used as signing in on this user account the login authentication information of this user account.
6. user media service system according to claim 5, it is characterized in that: after this user logs in, this user account receive need to be associated with user account fund settle accounts calculation data message, and according to this data message, this user account to be proceeded as follows:
The current account funds data settled accounts by these needs be associated with user account fund in the data message of calculation and user account compares; If it is less than or equal to the account fund data in user account, then data platform is deducted these needs be associated with user account fund from current account funds data and is settled accounts the data message of calculation and produce a clearance successful information, and outwards sends; If it is greater than the current account funds data in user account, then data platform produces a clearance failure information and outwards sends.
7. the user media service system according to claim 5 or 6, is characterized in that: be also associated with the identity information of user's geographical location information and/or this user with this user media user account on corresponding data platform of encoding outward.
8. according to the subscriber management service system one of claim 1 to 7 Suo Shu, it is characterized in that: user can pass through logon data platform, modify oneself geographical location information, user media password and telephone number information, and be stored in data platform; Meanwhile, user need simultaneous verification to encode with in user media when logging in or outer encode corresponding user account password and or subscriber identity information whether correct.
9. according to the user media service system one of claim 1 to 7 Suo Shu, it is characterized in that: the user account in this data platform at least also comprises the history information of user's fund clearing account and user media use.
10. user media service system according to claim 9, is characterized in that: user is supplemented with money user's fund account by logon data platform.
11. 1 kinds of commodity selections and payment system, this system comprises
At least one user media be associated with user; Have a memory cell in this user media, this memory cell preserves an interior coding of this user media;
At least one can read coding in this user media and the reader device outwards sent by coding in reading; And data platform, this data platform is for preserving the user account of each user, this user account includes user basic information and the user's capital management account for this user establishment, and wherein, this user profile comprises the contact telephone number of user, the geographical location information of user;
Wherein, coding in the reception of this data platform is corresponding from the user media of this at least one reader device reading, and use this interior coding to verify as to the log-on message of this user account, verify whether this interior coding has corresponding user account and the login completed after being verified this user account;
Also comprise at least one commodity selection terminal, this commodity selection terminal comprises: commodity server, and the display module to be associated with this commodity server and input module, wherein, the optional commodity that display module display of commodity server provides for user and this commodity corresponding can operand, commodity server receive user to wherein corresponding at least one commodity can operand operation and be sent to this commodity server;
Wherein, this user is logged in this user account in user data platform by this commodity server, and correspondence can operand operation and the price data of commodity be sent to this data platform clear, data platform can receive the price data of commodity and compare with the data in respective user capital management account and feed back and clear result.
12. commodity selection according to claim 11 and payment systems, is characterized in that: if clear successfully, then feed back the account corresponding at least one address information and or other contact details select for user and or confirm.
13. commodity selections according to claim 11 or 12 and payment system, is characterized in that: the user profile that this user account is corresponding also comprise user cipher and or the identity information of user; Thus when modifying to the geographical location information in user account on data platform and telephone number information and user cipher, need this interior coding of simultaneous verification and this corresponding user cipher and or subscriber identity information whether correct.
14. commodity selections according to claim 11 or 12 and payment system, is characterized in that: this user media also comprises the outer coding being formed in dielectric surface, and one_to_one corresponding of encoding in this outer coding and medium, this corresponding relation is stored in a data platform.
15. commodity selection according to claim 14 and payment systems, it is characterized in that: be the user cipher that this outer encoding setting is corresponding, to such an extent as to this outer coding of this medium and user cipher can be used as signing in on this user account the login authentication information of this user account.
16. 1 kinds of commodity selections and payment system, this system comprises
At least one user media be associated with user; This user media surface shows an outer coding of this user media;
A data platform, this data platform is for preserving the user account of each user, this user account includes user basic information and the user's capital management account for this user establishment, and wherein, this user profile at least comprises user cipher and the telephone number information of user;
Wherein, this outer coding of this user media is associated with the user account of this user be kept in data platform, to such an extent as to this outer coding of this medium and user cipher can be used as signing in on this user account to the login authentication information of this user account;
Also comprise at least one commodity selection terminal, this commodity selection terminal comprises commodity server, and the display module to be associated with this commodity server and input module, wherein, the optional commodity that display module display of commodity server provides for user and this commodity corresponding can operand, commodity server receive user to wherein corresponding at least one commodity can operand operation and be sent to this commodity server;
Wherein, this commodity server receives outer coding corresponding to this user media and user cipher;
Wherein, user data platform receives this outer coding and user cipher from this commodity server, and use this outer coding and user cipher to verify as to the log-on message of this user account, verify whether this outer coding has corresponding user account and the login completed after user cipher is verified this user account;
Wherein, this user is logged in this user account by this commodity server, and correspondence can operand operation and the price data of commodity be sent to this data platform clear, data platform can receive the price data of commodity and compare with the data in respective user fund account and feed back and clear result.
17. commodity selection according to claim 16 and payment systems, is characterized in that: if clear successfully, then feed back the account corresponding at least one telephone number and or the geographic location information of user select for user and or confirm.
18. commodity selections according to claim 16 or 17 and payment system, is characterized in that: the user profile that this user account is corresponding also comprises geographical location information and or the identity information of user of user.Commodity selection according to claim 16 and payment system, is characterized in that: this user to need the outer coding of this user media of simultaneous verification whether to have corresponding user account when user account logs on data platform and this user cipher whether correct.
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| PCT/CN2013/075423 WO2014179971A1 (en) | 2013-05-09 | 2013-05-09 | Service system based on user medium |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN104322035A true CN104322035A (en) | 2015-01-28 |
| CN104322035B CN104322035B (en) | 2019-01-01 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201380009110.8A Expired - Fee Related CN104322035B (en) | 2013-05-09 | 2013-05-09 | Service system based on user media |
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| Country | Link |
|---|---|
| CN (1) | CN104322035B (en) |
| WO (1) | WO2014179971A1 (en) |
Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101261708A (en) * | 2008-04-21 | 2008-09-10 | 中兴通讯股份有限公司 | Online payment method and system based on the mobile terminal supporting eNFC function |
| CN101488263A (en) * | 2008-01-18 | 2009-07-22 | 黄金富 | Smart card payment system and method used for paying in food market |
| US20110095086A1 (en) * | 2008-04-21 | 2011-04-28 | Kamalini Malhotra | Apparatus, method and system for facilitating payment of monetary transactions |
Family Cites Families (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101685512A (en) * | 2008-09-28 | 2010-03-31 | 中国银联股份有限公司 | Computer, payment system and method thereof for realizing on-line payment |
| CN102708481A (en) * | 2012-04-12 | 2012-10-03 | 江苏运赢物联网产业发展有限公司 | Payment cloud platform of internet of things based on family payment terminal and payment method thereof |
-
2013
- 2013-05-09 CN CN201380009110.8A patent/CN104322035B/en not_active Expired - Fee Related
- 2013-05-09 WO PCT/CN2013/075423 patent/WO2014179971A1/en active Application Filing
Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101488263A (en) * | 2008-01-18 | 2009-07-22 | 黄金富 | Smart card payment system and method used for paying in food market |
| CN101261708A (en) * | 2008-04-21 | 2008-09-10 | 中兴通讯股份有限公司 | Online payment method and system based on the mobile terminal supporting eNFC function |
| US20110095086A1 (en) * | 2008-04-21 | 2011-04-28 | Kamalini Malhotra | Apparatus, method and system for facilitating payment of monetary transactions |
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| Publication number | Publication date |
|---|---|
| WO2014179971A1 (en) | 2014-11-13 |
| CN104322035B (en) | 2019-01-01 |
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