CN104322035B - Service system based on user media - Google Patents
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- CN104322035B CN104322035B CN201380009110.8A CN201380009110A CN104322035B CN 104322035 B CN104322035 B CN 104322035B CN 201380009110 A CN201380009110 A CN 201380009110A CN 104322035 B CN104322035 B CN 104322035B
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/12—Payment architectures specially adapted for electronic shopping systems
Abstract
A kind of service system based on user media for electronic remote commercial affairs of the present invention, which includes at least one user media associated with the user；With an interior coding of the user media in the user media；At least one reader device and data platform；Wherein, the data platform receives the corresponding interior coding of user media read from least one reader device, and the interior coding is used to verify as the log-on message to the user account, verify whether the interior coding has corresponding user account and complete the login to the user account after being verified.Such system provided by the invention can help different users to realize simple, safe e-commerce transaction service, simultaneously, other than the interior coding of the user media, it has no other other informations associated with the user to transmit on public network, so that this login mode can effectively avoid userspersonal information from illegally being intercepted and captured and thereby generate the problems such as being cracked or maliciously using.
Description
Technical field
The present invention relates to a kind of teller systems based on the network information service, and in particular to one kind passes through user media
And the system that the back-end data platform being associated realizes simple and safe shopping at network.
Background technique
With the high speed development of information network technique, the network life has become a kind of life style, is the daily life of people
Indispensable component part living.By network, people can easily obtain various life requirement information, such as shopping, study
Etc., it not only saves the time, but also conveniently；However, existing shopping online user experience is poor, the big of people is seriously constrained
Range uses, and be mainly reflected in two aspects: first is that shopping process is cumbersome, since general user choose logging in shopping website
Commodity put shopping cart into, determine purchase, determine contact method, determine delivery place, determine the means of payment, until payment transaction
It completes, operating procedure up to more than ten, user experience is poor；Second is that the payment transaction of user is complex, and the peace operated
Full property is not high, and the security risk of human operational error and network payment is higher.
Existing method of payment user passes through Payment Online；Or it is paid by bank card under line.With
Family Payment Online generally passes through the Third-party payment account of bank card Web bank or registration that user oneself opens, example
Such as such as Alipay, to be paid, however this method generally requires 16 card numbers of the registration information of input user, bank card
Deng if any password, it is also necessary to input password while generally require to carry out the operations such as a series of verifying, be grasped to computer is unfamiliar with
For the middle-aged and the old of work and the crowd infrequently operated on the net, completes such operation and be difficult, meanwhile, in this way
Operation it is not only complicated for operation, also error-prone and there are Network Security Vulnerabilities to result in greater loss to user, existing
Grow directly from seeds in living, many users often abandon shopping at network because of the means of payment cumbersome in this way.
User is paid by bank card under line, equally can also there is some problems, and on the one hand many middle-aged and the old go back
It is unaccustomed to frequent credit card transaction；On the other hand often brush bank card also can there is a certain security risk, due to existing silver
Generally can all there be the related personal and fund information of user in row card, after user card punching transaction, card inside information and transaction letter
Breath can be transmitted by PSTN network or GPRS network in each data center in the form of the data packet of encryption, once data packet
It is illegally intercepted and is decrypted or reader device is juggled things, then all information in subscriber card are likely to by illegally multiple
System, to result in greater loss to user, this is also the reason of many people are unwilling frequently to use bank card now.
Summary of the invention
In order to solve the above problem, an object of the present invention is to provide a kind of network information service user pipe easy to use
Service system is managed, operating process of the user in shopping at network can be not only greatly reduced, reduces operation difficulty；It can also expire
Sufficient user provides a kind of simple, safe, efficient payment transaction service when carrying out shopping at network.
To achieve the above objectives, the solution of the present invention first is that it is a kind of for electronic remote commercial affairs based on user media
Service system, the system include at least one user media associated with the user；There is a storage unit in the user media,
The storage unit preserves an interior coding of the user media；At least one can be read out simultaneously the interior coding of the user media
The reader device that the interior coding of reading is sent out；And data platform, the data platform are used to save the use of each user
Family account, the user account include user basic information and user's capital management account for user creation, wherein
The contact telephone number for the user that the user information includes at least and the geographical location information of user；Wherein, which connects
The corresponding interior coding of user media read from least one reader device is received, and uses the interior coding as to user's account
The log-on message at family is verified, and verifies whether the interior coding has corresponding user account and complete after being verified to this
The login of user account.
Such system provided by the invention can help different users to realize simple, safety e-commerce transaction clothes
Business, user only need to buy goods or service, and read user media by reader device, and obtain the verifying of user data platform
By and confirm just complete entire operation process；Meanwhile during whole operation, user only needs to read by reader device
Interior card number and confirmation message are particularly suitable for much being bad at online shopping without other cumbersome information and payment information input operation
Person in middle and old age group operation；Meanwhile in the interactive process of entire information, other than the interior coding of the user media, it is had no
Its other information associated with the user is transmitted on public network, so that this login mode can effectively avoid user
People's information is illegally intercepted and captured and thereby generates the problems such as being cracked or maliciously using.
Preferably, after which logs in, the user account from the data platform be externally received with the user account into
The associated data information of row fund settle accounts calculation, and the user account being proceeded as follows according to the data information: by this with
Current account funds data in the associated data information and user account for needing settle accounts calculation of user account fund is compared
Compared with；If it is less than or equal to the account fund data in user account, data platform is deducted from current account funds data should
Successful information is cleared with the data information and generation one for needing settle accounts calculation, and is sent out；If it is greater than in user account
Current account funds data, then data platform generates a clearance and failure information and sends out.
By improving above, the solution of the present invention be can be applied in the application such as shopping at network, enormously simplify user
Operating procedure especially input element in shopping process, so as to largely promote user experience, especially in, it is old
Etc. may be bad to cope with the user group of complicated online shopping operating procedure logging program.
Preferably, user information further includes a user media on data platform corresponding with the user media interior coding
Password and/or the identity information of the user.
Further, the user media further includes the outer coding for being formed in dielectric surface, compiled in the outer coding and medium
Code corresponds, which is stored in a data platform.This set can provide more selections for user.
Preferably, user can be by verifying user password logon data platform, oneself the geographical location of modifying
Information, media password and subscriber identity information, and be stored in data platform.
Preferably, the user account in the data platform further includes that another user's fund clearing account and user are situated between
The history information that matter uses.
Preferably, the amount of money in user account can be preset, can also pass through logon data platform pair by user
User's fund account is supplemented with money.
It needs for only interior coding through specific reader device limitation associated with data platform, it is of the invention
Another object is intended to provide that a kind of pair of hardware environment is of less demanding, and can have approximate user's shopping service experience is
System, such as electronic retailing system based on internet page browsing.
Accordingly, the second aspect of the present invention provides a kind of user media service system for electronic remote commercial affairs, should
System includes at least one user media associated with the user；The user media surface shows and compiles outside the one of the user media
Code；With a data platform, which is used to save the user account of each user, which includes user's base
This information and user's capital management account for user creation, wherein the user information includes at least the user of user
Password and user's telephone number information；Wherein, the outer coding of the user media is with the user's that is stored in data platform
User account is associated, wherein the user account of the outer coding of the user media and the user being stored in data platform
It is associated so that can be used the medium the outer coding and user password as the login authentication information to the user account simultaneously
Log on on the user account.
Such system provided by the invention can equally help different user realize it is simple, securely achieve e-commerce
Service.After user buys goods or services, it is only necessary to input outer coding and user password, and logical by user data platform validation
Entire E-business service operation can be completed by crossing and confirming；, meanwhile, during logging in whole operation, in addition to the needs
Outside the outer coding and password of user's input, the input that user no longer needs to carry out complicated cumbersome various user informations and payment is true
Recognize work, so that entire E-business service be allowed to become easy to operate, is especially suitble to much be bad at the person in middle and old age of internet
People uses.It is transmitted on network in addition, this login mode has no other information associated with the user, therefore can be effective
It avoids user information from illegally being intercepted and captured and thereby generates the problems such as being cracked or maliciously using.
Preferably, after which logs in, which receives that needs are associated with user account fund to be settled accounts
Data information is calculated, and the user account is proceeded as follows according to the data information: this is associated with user account fund
Need the data information of settle accounts calculation to be compared with the current account funds data in user account；If it is less than or equal to use
Account fund data in the account of family, then data platform should be associated with user account fund from current account funds data deduction
The data information for needing settle accounts calculation and generate a clearance successful information, and send out；If it is greater than in user account
Current account funds data, then data platform generates a clearance and failure information and sends out.
By improving above, the solution of the present invention be can be applied in the application such as shopping at network, enormously simplify user
Input element in shopping process, so as to largely promote user experience, especially in, old age etc. may be bad to answer
To the user group of complicated logging program.
Preferably, on data platform corresponding with the user media outer coding user account also with user's geography position
Confidence breath and/or the identity information of the user are associated.
Preferably, user can be by logon data platform, modify oneself geographical location information, user media
Password and telephone number information, and be stored in data platform；Meanwhile user needs when logging in while verifying is situated between with user
The corresponding user account password of interior coding or outer coding of matter and or subscriber identity information it is whether correct.
Preferably, the user account in the data platform at least further includes user's fund clearing account and user
The history information that medium uses.
Preferably, user supplements user's fund account with money by logon data platform.
As specific application, a preferred embodiment of the present invention provides a kind of commodity selection and payment system,
The system includes at least one user media associated with the user；There is a storage unit, the storage list in the user media
Member preserves an interior coding of the user media；At least one can be read out the interior coding of the user media and by reading
The reader device that interior coding is sent out；And data platform, the data platform are used to save the user account of each user, it should
User account includes user basic information and user's capital management account for user creation, wherein user letter
Cease the contact telephone number of the user included at least and the geographical location information of user；Wherein, the data platform receive from this to
The corresponding interior coding of user media that a few reader device is read, and use the interior coding as the login to the user account
Information is verified, and verifies whether the interior coding has corresponding user account and complete after being verified to the user account
Login.It further include at least one commodity selection terminal, which includes commodity server, and is taken with the commodity
The associated display module of business device and input module, wherein display module display of commodity server provides optional for user
Commodity and the commodity it is corresponding can operation object, commodity server receives user to can corresponding to a wherein at least commodity
The operation of operation object is simultaneously sent to the commodity server；Wherein, which receives the corresponding interior volume of the user media
Code；Wherein, user data platform receives the interior coding from the commodity server, and uses the interior coding as to the user account
Log-on message verified, verify the interior coding whether have corresponding user account and after being verified complete to the use
The login of family account；Wherein, which logs in the user account by the commodity server, and correspondence can operation object
Operation and the price data of commodity is sent to the data platform and is cleared, data platform can receive the price number of commodity
It is compared according to and with data in corresponding user's fund account and feeds back clearance result.
Such system can provide convenient, simple, safe shopping at network service for user, greatly reduce e-commerce
Operation and online payment difficulty, simplify operating procedure, avoid traditional online payment by input bank card number, password
The interminable landing program of the modes such as verifying, while it also effectively prevents the users such as Bank Account Number, password, user identity
Information possible the problem of being trapped and cracking brought by transmission over networks.
In above system, if cleared successfully, feed back at least one corresponding address information of the account and or other
Contact details are selected for user and or confirmation.So both seamless company simply can be carried out with the logistics system after shopping at network
It connects.
For the sake of security, the corresponding user information of the user account further includes user password and the identity information of user；
So that the geographical location information and telephone number information and user password on to data platform in user account are modified
When, need to verify simultaneously the interior coding and the corresponding user password and or subscriber identity information it is whether correct.
Further, the user media further includes the outer coding for being formed in dielectric surface, compiled in the outer coding and medium
Code corresponds, which is stored in a data platform.This set can provide more selections for user.This
Outside, corresponding user password can be set for the outer coding, so that the outer coding of the medium and user password can be used to make
For the login authentication information to the user account and log on on the user account.
Equally, as the replacement to the interior coding application model for needing reader device, another embodiment of the invention
Propose the application of another shopping at network, i.e., another commodity selection and payment system, the system include at least one with
The associated user media of user；The user media surface shows an outer coding of the user media；One data platform, should
Data platform is used to save the user account of each user, which includes user basic information and create for the user
User's capital management account, wherein the user information include at least user user password and telephone number information；Wherein,
The outer coding of the user media is associated with the user account for the user being stored in data platform, should so that can be used
Outer coding and user password of medium log on on the user account as the log-on message to the user account；Further include to
A few commodity selection terminal, which includes commodity server, and associated with the commodity server aobvious
Show module and input module, wherein display module display of commodity server is the optional commodity and the commodity that user provides
It is corresponding can operation object, commodity server receive user to corresponding to a wherein at least commodity can operation object operation
And it is sent to the commodity server；Wherein, which receives the corresponding outer coding of the user media and user password；Its
In, user data platform receives the outer coding and user password from the commodity server, and uses the outer coding as to the use
The log-on message of family account is verified, and verifies whether the outer coding has corresponding user account and lead in user password verifying
Later the login to the user account is completed；Wherein, which logs in the user account by the commodity server, and
Correspondence can operation object operation and the price data of commodity is sent to the data platform and is cleared, data platform can connect
It receives the price data of commodity and is compared with the data in corresponding user's fund account and feeds back clearance result.
Equally, if clear successfully feed back at least one corresponding telephone number of the account and or user address bit
Confidence breath is for user's selection and or confirmation.
Similarly, the corresponding user information of the user account further include user geographical location information and or user identity letter
Breath；The user needs when user account on to data platform logs in while verifying whether the user media outer coding has
Whether corresponding user account and the user password are correct.
Other advantages and features of the present invention will become apparent in following description taken together with the accompanying drawings.
Detailed description of the invention
Fig. 1 is the structure chart of user media of the invention.
Fig. 2 is the system diagram after user media of the invention is associated with data platform.
Fig. 3 is the system diagram after user media and shopping terminals of the invention and 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 when 6A is that the object of display is not operated
State, 6B be display object operated after state.
Fig. 7 is the action flow chart of commodity server.
Fig. 8 is the payment process flow chart of data platform.
Specific embodiment
Various specific embodiments of the invention are illustrated with reference to the accompanying drawings.
Fig. 1 is a kind of user media of the invention, such as the structure chart of card shape user media 100, and user media includes one
Storage unit 101, the storage unit are stored with unique interior coding corresponding with the user media, such as a random number code,
The interior coding of the user media 100 can be read by a reading device 203 by a data platform 300 and be identified in data platform
Out；300 have a user account 301 on the data platform, which preserves for the user media 100
Holder, the i.e. contact telephone number of user, the geographical location information of the holder can also be close including for example can be user
The information such as code and user identity and the data platform 300 are the account information of a clearing account of its creation, and account information can
To include supplementing record with money, remaining sum, amount etc. being used.
As shown in Figure 2,3, preferably or alternatively, user media includes an outer coding, which can be with
It is corresponded with the interior coding of the user media or it can be additional on the not user media of internal storage, added
Mode can be printing, marking etc..Outer coding is user or other people can see, and interior coding is then needed by reading device
It reads out.It is emphasized that generally only saving the interior coding in the storage unit of the user media, and do not save such as
Therefore when reading device is read it, this type of information can't occur for the information such as user identity, account amount of money
Transmission.
Data platform 300 can be arbitrary server, and the communication with reading device 203 can be by wired or wireless
Mode is realized, such as cable, category-5 cable or WIFI, GRPS etc.；Reading device and data platform it is general it is apart from each other at a distance from,
Generally proximate to and be connected to the terminal that user uses.
In the case where user media has interior coding, the pass of the information of the user media 100 of data platform 300 and user
Connection, which can be, directly to be arrived the location of data platform for example, by user and handles and realize, is also possible to real in the following manner
Existing, that is, a user media acquiring apparatus is provided, the device 200 is as shown in figure 4, may include reading user's identity to be situated between
Information in matter, such as identity card, card reader of ID card 203, the medium being read can be RFID, as current China second
The technology that generation ID has used, corresponding, therefore card reader 203 can be RFID card reader.It can by the card reader 203
The information in identity medium to read user, for example, user's name, permanent address etc..User media handles dress
Setting 200 further includes a medium provides module 204, and detailed construction is as shown in figure 4, referring to Fig. 4, in the medium provides module 204
Multiple user medias 100 are stored with, with interior coding and outer coding, before being placed on medium provides module 204 just
It is registered in data platform 300, i.e., server may know that the medium is from which by the interior card number of medium provides module
Provide module granting.In order to accomplish this point, a medium information can be set in medium provides module 204 and read position, when one
User media to be opened to be sent by transport mechanism to medium information reading position, medium information reads the media reader at position, such as
It is RFID card reader for RFID, that is, the information in the medium can be read, and it is passed through to the control of user media acquiring apparatus 200
Unit 202 processed is sent to server, since the control unit 202 of user media acquiring apparatus 200 is identified with specific address,
Such as MAC Address therefore, can be by the interior card number of user media 100 and the control in order to mark the granting place of the user media
It is sent at server and saves after the MAC Address binding of unit.
The device 200 can also include the corresponding account charging module of the user media into data platform, this is supplemented with money
Module can be transferred to certain number into the user account of data platform by bill storage unit or credit card and supply to carry out as rear
Consumption is to deduct.
As shown in figure 3, only having the case where outer coding for user media, such as user media is the modeling for being printed with sequence number
Material card is a scraps of paper in extreme circumstances.Aforementioned automatic card equipment can also be used to be provided, alternatively, can be using artificial
Form provided.The issuer for providing this only and having the user media of outer coding needs to exist in advance for each outer coding
Clearing account is established on data platform, and is associated with relevant user information for each clearing account, at the beginning of user information can be user
Beginning password and contact telephone number, it might even be possible to including identity, address etc..This application is very suitable for the hair of user media
What the person of putting carried out in the case where having grasped the user informations such as the contact telephone number of special group, and provide user media only
For the shopping at network process for simplifying the intracorporal people for being unfamiliar with operation of its user group.
Certainly, aforementioned corresponding for each user media 100 in advance for the method for the user media with interior coding
The information phase such as interior coding user identity, the station address establishing user account, and user account is had learned that with it
Association is also suitable.
Similarly, a user media can also have interior coding and outer coding simultaneously, as long as it is corresponded.In i.e.
Coding and a user account on the equal corresponding data platform of outer coding.And it can be used as the verifying letter for logging in the user account
Breath.In this way, it is exactly most preferred for having the user media of interior coding and outer coding simultaneously.
As described above, initial password can be provided for user media, password setting can also be provided in data platform
Module after user's success logon data platform, self-setting or can modify its password.Changing password can be in subsequent program
With the interior coding or the logical condition for being used as logging in of outer coding one.
For the user media with interior coding, need a reading device associated with data platform, and being directed to has
The user media of outer coding, generally requires an information terminal, such as a commodity selection terminal is associated with data platform.
After the completion of being associated with of user media and data platform, user can both be filled by the reading communicated with data platform
Set come the account on data platform is for example logged in, the operation such as settle accounts calculation.
Wherein, the fund account in user account, such as clear account, can be it is multiple, can also include transactions history,
The history informations such as operation history.
As a kind of preferred Application Example of the present invention, Fig. 5 gives a kind of commodity selection and payment system, such as schemes
Shown in 5, which includes that the system of user media 100, commodity selection terminal 400 and the composition of data platform 300 can be used for
Realize shopping at network, reading device 200 can be linked by being connected to the network with data platform 300.Reading device can for one with
The data platform is to associated commodity server 400A, commodity server one Message Display Terminal's device of operable connection
400B, the input module 400C such as keyboard, mouse, touch screen.Optionally, commodity server and a RFID card reader
400D, i.e., the operable connection of reading device 203 in preceding embodiment.
In the embodiment of no RFID card reader 400D, outer card number, the information logins such as password commodity clothes can be passed through
Be engaged in device 400A.The outer card number and password can be sent to the data platform and verified by commodity server 400A；Authentication
By rear.Then continue waiting for second operation of user.
As shown in Figure 6A, when user to information is that certain an object shown on device operates when, as shown in Figure 6B,
Such as when clicking purchase button, then the product price data of object corresponding to the purchase button are sent to by commodity server
Data platform, then there is data platform to provide whether transaction successfully feeds back.If traded successfully, will be stored in the data platform
The contact details such as address, the phone about the user be sent to commodity server, confirm for user.
In terms of commodity server, as shown in fig. 7, it receives pair provided with the presence or absence of user by input equipment first
It passes through the operation of the Message Display Terminal 400B object shown.The object for example can be previously described button.When connecing
After the input for receiving Object Operations, the pricing information of the corresponding commodity of the object, e.g. 200 yuan are determined；Again by this by the valence
Lattice information is sent to data platform and waits the response of the successful clearance of data platform；If receiving the information successfully cleared,
Then show that buying successfully and will obtain from data platform the information such as station address is displayed on the screen for user's selection or confirms, such as
Fruit does not receive the response successfully cleared, then display operation is unsuccessful.
In terms of data platform, as shown in figure 8, it receives the pricing information that commodity server is sent and user's letter first
Breath determines the corresponding account of the user, then determines whether the remaining sum in account is more than or equal to the pricing information；If it is, into
Row clearance or settle accounts calculation, i.e., reduce the pricing information from remaining sum；If it is not, then to commodity server feedback operation not at
Function；Clearance reduces the pricing information from remaining sum；Clear the remaining sum of update user after the completion and at least one by the user
Address information is sent to commodity server.
Preferably, the information such as address, the phone stored on the data platform can have multiple groups, and the multiple groups are believed
Breath is supplied to commodity server together, and waits the selection and or confirmation of user.
The advantages of this embodiment of the invention, is, since at least one set of correspondent party being stored in advance on data platform
Formula, therefore, and the prefabricated clearance information of the corresponding account of user therefore can be multiple to carry out in another operating procedure
In face of the operation of user.In this way, shopping process can be accelerated, while being conveniently unfamiliar with the personnel of computer, for example, children, always
People etc. realizes shopping at network using the payment system.
If be read out using RFID card reader 400D as shown in Figure 7 to RFID card, without filling in outer card number, and
It only needs optionally to input password.
In another embodiment, commodity selection terminal 400 can be integrated in same device with aforementioned card-issuing equipment 200
On, it can share most component, such as display module, input module etc..
A large amount of feature and advantage are elaborated together with the details of structure and function in the above description.Although the present invention is
Had been disclosed by several forms, for those of ordinary skill in the art be clear that especially with the quantity of equipment and arrangement
Correlation can make it is many modification, increase and delete, without be detached from such as the present invention described in following following claims and its
The spirit and scope of equivalent.Therefore, when other changes that can be suggested by teachings in this or embodiment are fallen into
The width of this appended claims and within the scope of when, can especially be retained.
Claims (7)
1. a kind of service system based on user media for electronic remote commercial affairs, the system include:
At least one user media associated with the user；There is a storage unit, which saves in the user media
There is an interior coding of the user media；
At least one reader device that the interior coding of the user media can be read out and be sent out the interior coding of reading；
And data platform, the data platform are used to save the user account of each user, the user account include user information and
One user's capital management account for user creation, wherein the telephone number number for the user that the user information includes at least
The geographical location information and user password and user identity of code and user；The user media further includes being formed in dielectric surface
Outer coding, the outer coding and medium interior coding correspond, which is stored in a data platform or it is additional to
Do not have on the user media of internal storage；
In the case where user media has interior coding, data platform is to pass through user media with being associated with for the information of user media
Acquiring apparatus realizes that the user media acquiring apparatus includes card reader of ID card and a medium provides module, the medium granting
Multiple user medias are stored in module, with interior coding and outer coding, before being placed on medium provides module just
Registered in data platform；
One medium information is set in the medium provides module and reads position, the medium information reads the media reader at position
The control unit hair that the information in the user media at position is read by user media acquiring apparatus will be sent to the medium information
Server is given, the control unit of user media acquiring apparatus all has address mark, in order to mark the granting of user media
Point is saved being sent at server after the binding of the MAC Address of the interior coding of user media and the control unit；
The user media acquiring apparatus further includes the corresponding account charging module of the user media into data platform, this is supplemented with money
Module is transferred to certain number into the user account of data platform by bill storage unit or credit card and is consumed for subsequent
When deduct；
Wherein, which receives the corresponding interior coding of user media read from least one reader device, and uses
The interior coding is verified as the log-on message to the user account, verifies whether the interior coding has corresponding user account
And login of the completion to the user account after being verified.
2. user media service system according to claim 1, it is characterised in that: after the user logs in, the user account
It is externally received data information associated with user account progress fund settle accounts calculation from the data platform, and according to the data
Information proceeds as follows the user account:
By the current account fund in the data information and user account for needing settle accounts calculation associated with user account fund
Data are compared；If it is less than or equal to the account fund data in user account, data platform is from current account fund
Data deduct the data information of the needs settle accounts calculation and generate a clearance successful information, and send out；It is used if it is greater than
Current account funds data in the account of family, then data platform generates a clearance failure information and sends out.
3. user media service system according to claim 1 or 2, it is characterised in that: with the user media interior coding pair
User information further includes a user media password and/or the identity information of the user on the data platform answered.
4. a kind of commodity selection and payment system, the system include:
At least one user media associated with the user；There is a storage unit, which saves in the user media
There is an interior coding of the user media；
At least one reader device that the interior coding of the user media can be read out and be sent out the interior coding of reading；
And data platform, the data platform are used to save the user account of each user, the user account include user information and
For user's capital management account of user creation, wherein the user information includes the ground of the contact telephone number of user, user
Manage location information；
One medium information is set in medium provides module and reads position, the media reader that the medium information reads at position will be sent
The information read in the user media at position to the medium information is sent to by the control unit of user media acquiring apparatus
Server, the control unit of user media acquiring apparatus all have address mark, will in order to mark the granting place of user media
It is sent at server and saves after the MAC Address binding of the interior coding and the control unit of user media；
The user media acquiring apparatus further includes the corresponding account charging module of the user media into data platform, this is supplemented with money
Module is transferred to certain number into the user account of data platform by bill storage unit or credit card and is consumed for subsequent
When deduct；
Wherein, which receives the corresponding interior coding of user media read from least one reader device, and uses
The interior coding is verified as the log-on message to the user account, verifies whether the interior coding has corresponding user account
And login of the completion to the user account after being verified；
Further include at least one commodity selection terminal, which includes: commodity server, and with the commodity and service
The associated display module of device and input module, wherein display module display of commodity server is the optional quotient that user provides
Product and the commodity it is corresponding can operation object, commodity server receive user grasped to corresponding to a wherein at least commodity
Make the operation of object and is sent to the commodity server；
Wherein, which logs in the user account in user data platform by the commodity server, and correspondence can
The operation of operation object and the price data of commodity is sent to the data platform and is cleared, data platform can receive commodity
Price data and be compared with the data in corresponding user's capital management account and feed back clearance result；
If cleared successfully, feeds back at least one corresponding address information of the account and/or other contact details and selected for user
It selects and/or confirms, multipacket message of the storage comprising address, phone on the data platform, and the multipacket message is supplied to together
Commodity server, and wait the selection and/or confirmation of user.
5. commodity selection according to claim 4 and payment system, it is characterised in that: the corresponding user of the user account
Information further includes user password and/or the identity information of user；To the geographical location on to data platform in user account
When information and telephone number information and user password are modified, need to verify the interior coding and the corresponding user simultaneously
Whether password and/or subscriber identity information are correct.
6. commodity selection according to claim 4 and payment system, it is characterised in that: the user media further includes being formed
In the outer coding of dielectric surface, the outer coding and medium interior coding are corresponded, which is stored in a data platform.
7. commodity selection according to claim 6 and payment system, it is characterised in that: be arranged for the outer coding corresponding
User password, so that the outer coding and user password that the medium can be used are as the login authentication information to the user account
And log on on the user account.
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 CN104322035A (en) | 2015-01-28 |
| CN104322035B true 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 |
Country Status (2)
| Country | Link |
|---|---|
| CN (1) | CN104322035B (en) |
| WO (1) | WO2014179971A1 (en) |
Citations (2)
| 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 |
Family Cites Families (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| RU2010144623A (en) * | 2008-04-21 | 2012-05-27 | Камалини МЭЛХОТРА (AU) | DEVICE, METHOD AND SYSTEM FOR CARRYING OUT PAYMENTS AT MONEY TRANSACTIONS |
| 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 WO PCT/CN2013/075423 patent/WO2014179971A1/en active Application Filing
- 2013-05-09 CN CN201380009110.8A patent/CN104322035B/en not_active Expired - Fee Related
Patent Citations (2)
| 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 |
Also Published As
| Publication number | Publication date |
|---|---|
| WO2014179971A1 (en) | 2014-11-13 |
| CN104322035A (en) | 2015-01-28 |
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