CN104504561A - Offline payment and exchange system based on electronic note - Google Patents
Offline payment and exchange system based on electronic note Download PDFInfo
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- CN104504561A CN104504561A CN201410727118.4A CN201410727118A CN104504561A CN 104504561 A CN104504561 A CN 104504561A CN 201410727118 A CN201410727118 A CN 201410727118A CN 104504561 A CN104504561 A CN 104504561A
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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
- G06Q20/20—Point-of-sale [POS] network systems
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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
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
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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
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3274—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3821—Electronic credentials
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
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Abstract
The invention relates to an offline payment and exchange system based on an electronic note. The offline payment and exchange system is characterized by at least comprising three parts capable of performing data communication, including a POS cash registering system, a service center system and a mobile terminal. The POS cash registering system can interact with a user and a cashier and can also receive and process a transaction voucher. Meanwhile, data communication can be performed between the service center system and a business service provider. The mobile terminal is internally provided with a mobile terminal APP which can be controlled by the user for payment. Besides, the transaction voucher is adopted to act as a medium so that rapid transaction verification between the mobile terminal and a payment terminal can be performed. Meanwhile, online and offline payment modes are provided so as to meet the transaction requirements of different clients. More importantly, the widely distributed business cooperators can act as effective transaction cash registering points so that payment can be completed at any business cooperators by the user.
Description
Technical field
The present invention relates to a kind of exchange system, particularly relate to and a kind ofly pay exchange system based under the line of electronic bill.
Background technology
In the process of whole business activity, pay just one of them link, from us to paying complete understanding, before it includes payment, pay neutralization pay after such three large processes.Before payment and after paying, king-sized relation is not had to the flow direction of fund, but it is the very important ingredient of information flow inside our ecommerce.What have to consumption service and product between we user and trade company inside information flow is mutual, and does is prior a bit what in addition? that is exactly both sides will reach cooperation purpose to the payment be near completion.After payment completes, both sides will pay to this authority producing and mutually can be used for contrasting, and this just relates to the problem of bill.
Simultaneously, the bill of current existence is that papery is the thing the most frequently that everybody sees now based on papery, but due to our society's past network Development gradually, so our ecommerce also becomes the ecommerce of movement at leisure, and so bill also just becomes electronics.The simplest papery pingju opera from environmental protection ten he be also the theory not meeting our environmental protection.Simultaneously papery own is also to spend certain cost without the preservation of bill and management, it is no matter the angle from our businessman, buying and provide these bills, still say that we preserve these bills as user, being placed in our wallet is also the cost having management.More seriously the bill of papery itself is easy to forge, and the difficulty that puppet is examined after creating also is very difficult, and that can be caused the loss of national wealth by the words that false invoice is popular.
The bill of papery does not more meet the requirement of our novel e-commerce development, and the bill of papery can not be passed in face of our trade company and consumer.So we are just by the bill electronization of daily ticket consumption, thus promote the sustained development of new electronic business industry and environment.Here be problematic in fact, we carry out in the middle of the process of concluding the business on the internet, does not why everybody also feel the meaning of this bill at present? that is because trade company is using the business standing of oneself as guarantee, you at trade company or bank transaction record as evidence for payment, this is possible in reason, also be current everybody effective a kind of way, but it is in fact in the aspect of law, there is certain flaw in the aspect of supervision, be by business trust impact inside.So, in the middle of this process, have the third party of a neutral authority that electronic bill is carried out unified management, provide ticketing services towards trade company and user respectively, be here one to our existing ecommerce or mobile e-business legal perspective is extraordinary supplements.
For electronic bill, electronic bill is not equal to bill electronization, we store some data that bill is said with the form of electronization, realize the electronic form of bill, this is the part in the middle of our electronic bill intension, the more important thing is, we will carry out electronization some service procedures relevant with bill, check from inquiring, to the reimbursement of last tax revenue, the data that this whole set of serial flow process will exist with electronic bill and electronics combine, and this is only the concept of real electronic bill.
Specifically, rapid with e-commerce development, increasing consumer likes consuming on network, for this commercial trends, also increasing trade company is had while offering solid shop/brick and mortar store, network is founded Xian Shang retail shop, and trade company often attracts clients with the form underselling this retail shop consumption card to client when promoting oneself; In addition, increasing company also replaces and provided form in kind for employee to provide consumption card in the past and provide welfare.But current consumption card can only be used as the consumption of entity StoreFront mostly, can not be used as line is consumed, function singleness, security is poor; Secondly, most consumption card is all a kind of ferromagnetic release, deposits improper meeting and causes demagnetization, can not re-use after demagnetization, can cause certain economic loss; 3rd, remaining sum and the consumer record of this type of card can only be inquired about on specific equipment, lack third-party monitoring, poor transparency.Current most line is consumed and all will use bank card and transfer accounts, for safety, need to input a large amount of authorization informations, use relatively to bother a lot.
Summary of the invention
Object of the present invention is exactly to solve the above-mentioned problems in the prior art, there is provided a kind of and pay exchange system based under the line of electronic bill, pay under effectively realizing the line of non-online clearing with this, meet on consumer's line and choose, the needs paid under line, in conjunction with widely distributed shops, can promote simultaneously.
Object of the present invention is achieved through the following technical solutions:
Exchange system is paid based under the line of electronic bill, wherein: at least include the part that three can be carried out data communication, contain and have POS POS, service center system, mobile terminal, described POS POS can be interactive with user and cashier, process transaction voucher can be received simultaneously, described POS POS is, by exploitation API, the module of docking with service center system is increased in the POS system of shops self, or, described POS POS is, the enterprise version APP directly installed; Described service center system can carry out data communication with business service provider; Be provided with mobile terminal APP in described mobile terminal, can control to pay by user.
Above-mentioned pays exchange system based under the line of electronic bill, wherein: described POS POS includes credential information collecting unit, the data output end of described credential information collecting unit connects the data input pin of transaction voucher recognition unit, the data output end of described transaction voucher recognition unit is connected with processing unit, the external data communication interface Connection Service centring system of described processing unit.
Further, above-mentioned pays exchange system based under the line of electronic bill, wherein: described service center system includes transaction credential verification unit, described transaction credential verification unit first data output end connect pay/exchange processing unit according to input end, the data input pin of the output terminal Connection Service providing unit of described payment/exchange processing unit, the data output end of described service rendering units connects business service provider data terminal, the data input pin of the second data output end connection server central storage means of described transaction credential verification unit, the described data output end connecing server-centric storage unit connects the data input pin of order transaction voucher generation unit, the data output end of described order transaction voucher generation unit connects the data input pin of Transmit-Receive Unit, described Transmit-Receive Unit is provided with outer even PORT COM.
Further, above-mentioned pays exchange system based under the line of electronic bill, wherein: described Transmit-Receive Unit, for mobile terminal communication; Described order transaction voucher generation unit, when obtaining transaction request for credentials, generates transaction voucher according to the request submitted to; Described server-centric storage unit, processes any more new database or file system content and carries out unified management; Described transaction credential verification unit, for verifying the authenticity of transaction voucher; Described payment/exchange processing unit, when the commodity/service of user to order pays or submits redemption request to, this unit is responsible for process and is paid/exchange, after pay/having exchanged, the information of update server storage unit, provides the request of commodity/service to server providing unit simultaneously; Described service rendering units, after user completes payment/exchange, this unit is responsible for docking with third party, for user provides corresponding goods/service according to the request classification received; Described business service provider is third party's commodity/service resource provider; Described payment/exchange processing unit, when the commodity/service of user to order pays or submit redemption request to, completes payment/exchange operation with server-centric system docking.
Further, above-mentioned pays exchange system based under the line of electronic bill, wherein: described request classification comprises integration, gift token, welfare, gives a present, supplements class, some card, performance, film, payment, tourism, lottery ticket with money, described third party comprises, China Telecom, CHINAUNICOM, safety, Pudong Development Bank, Construction Bank, Alipay, Amazon, China Mobile, Unionpay, wide, barley net.Certainly, above is only pluck election example.
Further, above-mentioned pays exchange system based under the line of electronic bill, wherein: described mobile terminal includes order/order processing unit, the data output end of described order/order processing unit connects the data input pin of order transaction ticket obtaining unit, described order transaction ticket obtaining unit is provided with outer even data terminal, described connect data terminal Connection Service centring system outward, second data output end of the easy ticket obtaining unit of described single cross connects the first data input pin of transaction voucher storage unit, first data output end of described payment/exchange processing unit connects the data input pin of transaction voucher storage unit.
Further, above-mentioned pays exchange system based under the line of electronic bill, wherein: described order/order processing unit is APP order/order processing unit, and user submits order goods/service thereon to, App order/order processing unit receives and asks and process; Described order transaction ticket obtaining unit is used for request service centring system and generates order; Described transaction voucher storage unit, for storing the local replica of customer transaction voucher.
Further, above-mentioned pays exchange system based under the line of electronic bill, wherein: described transaction voucher comprises APP electronic transaction voucher, website electronic transaction voucher, entity card.
Again further, above-mentioned pays exchange system based under the line of electronic bill, wherein: the described modes of payments comprises, pay in cash and cashless payment, described cashless payment comprise Unionpay swipe the card payment, third party's prepaid card, bill payment, integration pay.
The advantage of technical solution of the present invention is mainly reflected in: adopt transaction voucher as medium, allow mobile terminal and payment terminal carry out transaction verification fast.Meanwhile, to provide on line and the modes of payments under line, meet the transactions demand of different client.What is more important, cooperation trade company distributed more widely can be allowed as a gathering point of effectively concluding the business, and user can complete payment in arbitrary cooperation trade company.
Accompanying drawing explanation
Fig. 1 pays exchange system to implement schematic diagram under the line based on electronic bill.
Fig. 2 is that transaction/payment implements schematic diagram.
Fig. 3 is that schematic diagram is implemented in transaction/exchange.
Embodiment
As shown in Figure 1 pay exchange system based under the line of electronic bill, its unusual part is: at least include the part that three can be carried out data communication, contain and have POS POS, service center system, mobile terminal.Specifically, the POS POS of employing can with user and cashier interactive, can receive simultaneously and process voucher of concluding the business.Consider the facility of operation, the POS POS of employing is, by exploitation API, increases the module of docking with service center system in the POS system of shops self.Or the POS POS of employing is, the enterprise version APP directly installed.For the ease of cash register, POS POS can connect cashier's machine.
The service center system used can carry out data communication with business service provider.Meanwhile, mobile terminal APP can control by user and carry out data communication with payment services provider.
Payment for the ease of carrying out electronic bill is exchanged smoothly, the POS POS adopted includes credential information collecting unit, the data output end of this credential information collecting unit connects the data input pin of transaction voucher recognition unit, and the data output end of transaction voucher recognition unit is connected with processing unit.Meanwhile, the external data communication interface Connection Service centring system of processing unit.
Further, the service center system adopted includes transaction credential verification unit, and the data output end of this transaction credential verification unit connects the first data input pin paying/exchange processing unit.Meanwhile, pay/exchange the data input pin of the output terminal Connection Service providing unit of processing unit, the data output end of service rendering units connects business service provider data terminal.Further, the data input pin of the second data output end connection server central storage means of transaction credential verification unit, the data output end connecing server-centric storage unit connects the data input pin of order transaction voucher generation unit.Moreover the data output end of order transaction voucher generation unit connects the data input pin of Transmit-Receive Unit, described Transmit-Receive Unit is provided with outer even PORT COM.
Like this, when reality uses, Transmit-Receive Unit, for mobile terminal communication.Specifically, it can be understood as communication module, and mobile phone A pp needs to use with during server-centric system interaction, such as verifies validity, the legitimacy of mobile phone A pp request, needs to obtain authorization information from server end.And need to obtain transaction voucher from server end or after user paid, provide the request etc. of service.Meanwhile, by order transaction voucher generation unit, when obtaining transaction request for credentials, generate transaction voucher according to the request submitted to.In other words, when received server-side obtains transaction request for credentials to mobile terminal order transaction ticket obtaining unit, this unit is according to validity, the legitimacy of the requests verification request submitted to; As passed through, generating transaction voucher according to the request submitted to, and returning to mobile terminal.
Server-centric storage unit of the present invention further again, it is used for any more new database of process or file system content carry out unified management.Such as, the order, the record that information on services is provided etc. of the former data of system, record generation.Transaction credential verification unit, for verifying the authenticity of transaction voucher.This process is mainly divided into two steps: a, once submit the transaction voucher of scanning to, to verify validity, legitimacy etc.B, after once submitting to scanning validation to pass through, payment/redemption request is sent to payment/exchange processing unit processes.The effect paying/exchange processing unit is then, when the commodity/service of user to order pays or submits redemption request to, this unit is responsible for process and is paid/exchange, after pay/having exchanged, the information of update server storage unit, provides the request of commodity/service to server providing unit simultaneously.The service rendering units adopted, after user completes payment/exchange, this unit is responsible for docking with third party, for user provides corresponding goods/service according to the request classification received.Consider the extendability of request classification, category request can be prepaid mobile phone recharging, payment, credit card repayment etc.Further, this involved business service provider is third party's commodity/service resource provider.
Meanwhile, when the commodity/service of user to order pays or submit redemption request to, server-centric system completes payment/exchange operation.Like this, after pay/having exchanged, can update server storage unit Transaction Information, provide the request of commodity/service/exchange to server providing unit simultaneously.
For the ease of application extension, the request classification of employing comprises integration, gift token, welfare, gives a present, supplements class, some card, performance, film, payment, tourism, lottery ticket with money.Same, the third party related to comprises, China Telecom, CHINAUNICOM, safety, Pudong Development Bank, Construction Bank, Alipay, Amazon, China Mobile, Unionpay, wide, barley net.
With regard to the present invention one preferably embodiment, the mobile terminal that the present invention adopts includes order/order processing unit, the data output end of order/order processing unit described in this connects the data input pin of order transaction ticket obtaining unit, first data output end Connection Service centring system of this order transaction ticket obtaining unit, the second data output end of its order transaction ticket obtaining unit connects transaction voucher storage unit.
Specifically, the order/order processing unit of use is APP order/order processing unit, and user submits order goods/service thereon to, and App order/order processing unit receives and asks and process.Further, order transaction ticket obtaining unit generates order for request service centring system.That is, due to App order/order processing unit self because of security reason, order transaction voucher is by this unit module, request server centring system, by server-centric system according to request, do unified checking, generate transaction voucher, play effective control security.Meanwhile, adopt transaction voucher storage unit, store the local replica of customer transaction voucher.Specifically, the voucher of user's All Activity comprises the transaction voucher of arrearage/do not use, received payment/ used, and can deposit copy in this locality.Meanwhile, rely on the application function that App provides, user can check transaction voucher, or by user's initiatively refresh synchronization server transaction voucher, and upgrade local replica, reduce user and use Internet resources.
Further, in order to improve the transaction category in implementation process, be convenient to promote, transaction voucher involved in the present invention comprises APP electronic transaction voucher, website electronic transaction voucher, entity card.Corresponding with it, the modes of payments of employing comprises, and pays in cash and cashless payment, and cashless payment comprises Unionpay and to swipe the card payments, third party's prepaid card, bill payment, integration payment.Certainly be not limited to above-mentioned several carrier and the form of expression, can adjust in time according to the development of payment technology.
As shown in Figure 2, to pay, 1. its circuit is, the order number of user on mobile phone in input line.2. route is, user and service center system alternately, after service center system checking order validity, generate electronic transaction voucher and are also sent to mobile phone.3. circuit is, user descends on cashier's machine to pay by cashier with transaction voucher online.Meanwhile, POS is passed through and service centre's validation-cross voucher validity.4. circuit is, after cashier's machine has paid, and notification service centring system process order.Meanwhile, by business service provider, commodity/service is provided to user.
As shown in Figure 2, transaction/payment flow process is as follows:
1, user in mobile terminal App applies the free choice of goods/service or in mobile terminal App application the transaction voucher code (order number) of order in input line.
2, the request submitted to according to user of mobile terminal transaction acquisition of credentials module, carries out with server-centric system alternately.
3, server-centric system is to the request submitted to (obtaining transaction voucher), does validation verification.
4, after being verified, the order transaction voucher generation unit in server-centric system, generates payment transaction voucher according to system environments, returns payment transaction voucher to mobile terminal simultaneously.
5, user pays with paying cashier's machine under payment transaction voucher to line.
6, cashier scans the bar code/Quick Response Code on payment transaction voucher, and sends request validity, the legitimacy of checking bar code/Quick Response Code to server-centric system; Voucher effectively enters next step operation, invalid, terminates
7, cashier confirms cash register, pays cashier's machine and sends the request of secondary-confirmation cash register toward server-centric system;
8, server-centric system returns successfully after receiving request or failure, and cashier's machine cash register completes;
9, server-centric system log (SYSLOG) cash register record, and process transaction, simultaneously for user provides commodity/service, this transaction completes.
As shown in Figure 3, to convert to example, 1. its circuit is, user inputs the integration kind and redemption amounts that need to exchange on mobile phone.2. circuit is, mobile phone and service center system alternately, after checking integration validity, produce electronic transaction voucher and also turn back to mobile phone.(if desired, service rendering units can be implemented to verify integration validity with bonus point rewarding service service provider when checking.) 3. circuit be, user carries out commodity exchange by cashier in convenience store with transaction voucher.POS, by service center system validating documents validity, records Transaction Success information simultaneously.4. circuit is, convenience store provides exchange commodity.
As shown in Figure 3, flow process of concluding the business/exchange is as follows:
1, user selects the specific category of exchange in mobile terminal App applies, accounts information/redemption code that input is exchanged, and the quantity information etc. exchanged;
2, the redemption request submitted to according to user of mobile terminal transaction acquisition of credentials module, carries out with server-centric system alternately.
3, server-centric system is to the redemption request submitted to (obtaining exchange trading request for credentials), does validation verification; (in distinctive situation, can simultaneously requested service partner verify effectively, legitimacy).
4, after being verified, the order transaction voucher generation unit module of server-centric system generates exchange trading voucher according to system environments, returns exchange trading voucher to mobile terminal simultaneously.
5, server-centric system log (SYSLOG) corresponding record of conversion while.
6, user carries out commodity/service exchange with exchange trading voucher to exchanging cashier's machine.
7, cashier scans the bar code/Quick Response Code on exchange trading voucher, and sends request validity, the legitimacy of checking bar code/Quick Response Code to server-centric system; Voucher effectively enters next step operation, invalid, terminates.
8, cashier confirms to exchange, and exchanges cashier's machine and sends secondary-confirmation redemption request toward server-centric system.
9, server-centric system returns successfully after receiving request or failure, and cashier's machine has been exchanged.
10, server-centric system process exchange trading, and record the use record of exchange trading voucher, this transaction completes.
Make for seeing in conjunction with the actual of mobile terminal:
" embodiment one "
Xiao Ming has installed the APP application of customization on the mobile terminal of oneself as user, after opening application, carry out the selection of ticket kind, it selects cinema's Saturday film ticket of 21 in evening, concrete seat is selected to be the 3rd row No. 5 positions, then the phone number of oneself is inputted, and sales counter pay-us-you-go plan under selecting line.
The information of APP application subsequently according to Xiao Ming's input and the film information of selection, the transaction voucher being provided with information coding is generated in APP application, Xiao Ming can carry the POS cashier terminal of the transaction voucher in APP application to cooperation shops (as convenience store), POS cashier scans transaction voucher, and POS display transaction voucher is the film ticket of 80 yuan.POS cashier and Xiao Ming are confirmed whether to buy, and Xiao Ming can select to pay in cash or the payment such as other consumption card/prepaid card/coupons/bank cards.
Finally, film ticket be Electronically sent to Xiao Ming mobile phone on or in APP application.
" embodiment two "
Xiao Ming has installed the APP application of customization on the mobile terminal of oneself as user, after opening application, carry out the selection of exchanging kind, it selects China Telecom accumulated point exchanging coupons, and Xiao Ming inputs oneself account and phone number, and obtain authentication code, identifying code is issued on the mobile phone of Xiao Ming, and after the identifying code that input obtains, APP application obtains the total mark of Xiao Ming according to the identity information that Xiao Ming provides.Xiao Ming selects need the coupons amount of money of number of points and the exchange of exchanging or exchange certain commodity.
APP application is subsequently according to the redemption information of Xiao Ming's input, the exchange trading voucher being provided with information coding is generated in APP application, Xiao Ming can carry the POS cashier terminal of the transaction voucher in APP application to cooperation shops (as convenience store), POS cashier scans transaction voucher, the POS display coupons amount of money is 50 yuan/certain commodity, and the Xiao Ming that can deduct buys the amount of money of commodity in this shops or directly exchanges certain commodity these 50 yuan of coupons.
Can be found out by above-mentioned character express, after adopting the present invention, adopt transaction voucher as medium, allow mobile terminal and payment terminal carry out transaction verification fast.Meanwhile, to provide on line and the modes of payments under line, meet the transactions demand of different client.What is more important, cooperation trade company distributed more widely can be allowed as a gathering point of effectively concluding the business, and user can complete payment in arbitrary cooperation trade company.
These embodiments are only the prominent examples of application technical solution of the present invention, allly take equivalent replacement or equivalent transformation and the technical scheme that formed, all drop within the scope of protection of present invention.
Claims (9)
1. pay exchange system based under the line of electronic bill, it is characterized in that: at least include the part that three can be carried out data communication, contain and have POS POS, service center system, mobile terminal, described POS POS can be interactive with user and cashier, process transaction voucher can be received simultaneously, described POS POS is, by exploitation API, the module of docking with service center system is increased in the POS system of shops self, or, described POS POS is, the enterprise version APP directly installed; Described service center system can carry out data communication with business service provider; Be provided with mobile terminal APP in described mobile terminal, can control to pay by user.
2. according to claim 1ly pay exchange system based under the line of electronic bill, it is characterized in that: described POS POS includes credential information collecting unit, the data output end of described credential information collecting unit connects the data input pin of transaction voucher recognition unit, the data output end of described transaction voucher recognition unit is connected with processing unit, the external data communication interface Connection Service centring system of described processing unit.
3. according to claim 1ly pay exchange system based under the line of electronic bill, it is characterized in that: described service center system includes transaction credential verification unit, described transaction credential verification unit first data output end connect pay/exchange processing unit according to input end, the data input pin of the output terminal Connection Service providing unit of described payment/exchange processing unit, the data output end of described service rendering units connects business service provider data terminal, the data input pin of the second data output end connection server central storage means of described transaction credential verification unit, the described data output end connecing server-centric storage unit connects the data input pin of order transaction voucher generation unit, the data output end of described order transaction voucher generation unit connects the data input pin of Transmit-Receive Unit, described Transmit-Receive Unit is provided with outer even PORT COM.
4. according to claim 3ly pay exchange system based under the line of electronic bill, it is characterized in that: described Transmit-Receive Unit, for mobile terminal communication; Described order transaction voucher generation unit, when obtaining transaction request for credentials, generates transaction voucher according to the request submitted to; Described server-centric storage unit, processes any more new database or file system content and carries out unified management; Described transaction credential verification unit, for verifying the authenticity of transaction voucher; Described payment/exchange processing unit, when the commodity/service of user to order pays or submits redemption request to, this unit is responsible for process and is paid/exchange, after pay/having exchanged, the information of update server storage unit, provides the request of commodity/service to server providing unit simultaneously; Described service rendering units, after user completes payment/exchange, this unit is responsible for docking with third party, for user provides corresponding goods/service according to the request classification received; Described business service provider is third party's commodity/service resource provider; Described payment/exchange processing unit, when the commodity/service of user to order pays or submit redemption request to, completes payment/exchange operation with server-centric system docking.
5. according to claim 1ly pay exchange system based under the line of electronic bill, it is characterized in that: described request classification comprises integration, gift token, welfare, gives a present, supplements class, some card, performance, film, payment, tourism, lottery ticket with money, described third party comprises, China Telecom, CHINAUNICOM, safety, Pudong Development Bank, Construction Bank, Alipay, Amazon, China Mobile, Unionpay, wide, barley net.
6. according to claim 1ly pay exchange system based under the line of electronic bill, it is characterized in that: described mobile terminal includes order/order processing unit, the data output end of described order/order processing unit connects the data input pin of order transaction ticket obtaining unit, first data output end Connection Service centring system of described order transaction ticket obtaining unit, the second data output end of described order transaction ticket obtaining unit connects transaction voucher storage unit.
7. according to claim 6ly pay exchange system based under the line of electronic bill, it is characterized in that: described order/order processing unit is APP order/order processing unit, user submits order goods/service thereon to, and App order/order processing unit receives and asks and process; Described order transaction ticket obtaining unit is used for request service centring system and generates order; Described transaction voucher storage unit, for storing the local replica of customer transaction voucher.
8. according to claim 1ly pay exchange system based under the line of electronic bill, it is characterized in that: described transaction voucher comprises APP electronic transaction voucher, website electronic transaction voucher, entity card.
9. according to claim 1ly pay exchange system based under the line of electronic bill, it is characterized in that: the described modes of payments comprises, pay in cash and cashless payment, described cashless payment comprise Unionpay swipe the card payment, third party's prepaid card, bill payment, integration pay.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410727118.4A CN104504561A (en) | 2014-12-04 | 2014-12-04 | Offline payment and exchange system based on electronic note |
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| Application Number | Priority Date | Filing Date | Title |
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Cited By (9)
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| CN105719161A (en) * | 2016-01-20 | 2016-06-29 | 李政德 | Method of exchanging point gift certificates into unified vouchers and giving point gift certificates away |
| CN105719139A (en) * | 2016-01-20 | 2016-06-29 | 李政德 | Mobile fusion electronic payment method adopting participation of electronic vouchers in consumption payment |
| CN105719061A (en) * | 2016-01-18 | 2016-06-29 | 连连银通电子支付有限公司 | Off-line cashing management system and method |
| CN109146365A (en) * | 2018-07-31 | 2019-01-04 | 顺丰科技有限公司 | One kind is visited the rich color method of addressee band, system, equipment and storage medium |
| CN110335417A (en) * | 2019-07-11 | 2019-10-15 | 成都马上到科技有限公司 | The application system and method for electronics water ticket |
| CN110796489A (en) * | 2019-09-29 | 2020-02-14 | 江苏华泽微福科技发展有限公司 | Method and device for distributing and verifying movie welfare |
| CN110827068A (en) * | 2019-10-28 | 2020-02-21 | 广州凯风科技有限公司 | Bill data processing method, system, device and medium based on payment system |
| CN110826548A (en) * | 2019-10-28 | 2020-02-21 | 广州凯风科技有限公司 | Bill data processing method, system, device and machine readable medium |
| CN112633986A (en) * | 2020-12-31 | 2021-04-09 | 北京华录新媒信息技术有限公司 | Intelligent online movie ticket exchange method and system |
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| CN105719061A (en) * | 2016-01-18 | 2016-06-29 | 连连银通电子支付有限公司 | Off-line cashing management system and method |
| CN105719161A (en) * | 2016-01-20 | 2016-06-29 | 李政德 | Method of exchanging point gift certificates into unified vouchers and giving point gift certificates away |
| CN105719139A (en) * | 2016-01-20 | 2016-06-29 | 李政德 | Mobile fusion electronic payment method adopting participation of electronic vouchers in consumption payment |
| CN109146365A (en) * | 2018-07-31 | 2019-01-04 | 顺丰科技有限公司 | One kind is visited the rich color method of addressee band, system, equipment and storage medium |
| CN110335417A (en) * | 2019-07-11 | 2019-10-15 | 成都马上到科技有限公司 | The application system and method for electronics water ticket |
| CN110796489A (en) * | 2019-09-29 | 2020-02-14 | 江苏华泽微福科技发展有限公司 | Method and device for distributing and verifying movie welfare |
| CN110827068A (en) * | 2019-10-28 | 2020-02-21 | 广州凯风科技有限公司 | Bill data processing method, system, device and medium based on payment system |
| CN110826548A (en) * | 2019-10-28 | 2020-02-21 | 广州凯风科技有限公司 | Bill data processing method, system, device and machine readable medium |
| CN112633986A (en) * | 2020-12-31 | 2021-04-09 | 北京华录新媒信息技术有限公司 | Intelligent online movie ticket exchange method and system |
| CN112633986B (en) * | 2020-12-31 | 2022-07-22 | 北京华录新媒信息技术有限公司 | Intelligent online movie ticket exchange method and system |
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