CN104574078A - Method for binding bank card with user social media account number based on POS (point of sale) card swiping transaction - Google Patents

Method for binding bank card with user social media account number based on POS (point of sale) card swiping transaction Download PDF

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Publication number
CN104574078A
CN104574078A CN201410692818.4A CN201410692818A CN104574078A CN 104574078 A CN104574078 A CN 104574078A CN 201410692818 A CN201410692818 A CN 201410692818A CN 104574078 A CN104574078 A CN 104574078A
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CN
China
Prior art keywords
bank card
transaction
application system
pos
trade company
Prior art date
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Granted
Application number
CN201410692818.4A
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Chinese (zh)
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CN104574078B (en
Inventor
熊强
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
SHENZHEN TAOTAOGU INFORMATION TECHNOLOGY Co Ltd
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SHENZHEN TAOTAOGU INFORMATION TECHNOLOGY Co Ltd
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Priority to CN201410692818.4A priority Critical patent/CN104574078B/en
Publication of CN104574078A publication Critical patent/CN104574078A/en
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/20Point-of-sale [POS] network systems
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3221Access to banking information through M-devices
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327Short range or proximity payments by means of M-devices
    • G06Q20/3276Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device

Abstract

The invention discloses a method for binding a bank card with a user social media account number based on POS (point of sale) card swiping transaction, and solves the problem in management of a media account number and a bank card number to a user. The method comprises the following steps: initiating transaction by a POS of a commercial tenant, processing card swiping transaction by an acquiring system, requesting a two-dimension code from a management application system, and sending a transaction bank card number; requesting the two-dimension code from a code sending mechanism by the management application system; generating the two-dimension code by the code sending mechanism, returning the two-dimension code to the management application system, sending the two-dimension code to the acquiring system of the card by the management application system, returning a transaction result of the acquiring system of the card to the POS of the commercial tenant, and printing a dealing ticket with the two-dimension code by the POS; scanning the two-dimension code by a client, adding a public number, receiving code scanning information by the code sending mechanism, and returning user information to an application system; receiving information and parameters of a client and searching the transaction bank card number with the parameters matched with those of the client by the application system to finish the binding of the bank card number with the user social media account number. The method has the advantages that the user management, statistics and information republication of the management application system are simple and accurate, and the profits can be accurately shared with a third party.

Description

The method that bank card and user social contact media account bind is realized based on POS transaction
Art
The invention belongs to field of network communication, particularly a kind ofly realize based on POS transaction the mechanics of communication that bank card and user social contact media account bind.
Background technology
Along with bank card brush opens consumption and the intensity of cell-phone function and the popularization and application of cell-phone customer terminal social media account, as micro-letter and credulity public service platform, by this platform, individual and enterprise can make the public number of a micro-letter, can mass-send the content of word, picture, voice, video, picture and text message five classifications.Mobile Internet client logs in, and can bind private account number and carry out sending bulk message.Micro-letter public platform be one from media platform, if businessman is by showing the micro-official website of businessman, micro-member, micro-propelling movement, micropayments and micro-activity based on referral rate micro-letter membership management system of micro-letter public platform docking.Micro-letter public platform is the important component part of micro-communication system, and the whole plate of micro-letter comprises individual micro-letter, Quick Response Code, public platform.Above-mentioned platform makes consumer use cell-phone customer terminal simply, convenient to obtain trade company's membership, sell and give a discount, return the favor information such as profit and integration and become possibility.
In prior art, cell phone customer obtains trade company membership, sell and give a discount, return the bank card onrelevant that the favor information such as profit and integration all uses with client, the Quick Response Code advertisement of cell phone customer scanning trade company obtains favor information, also need when bankcard consumption to provide cell phone customer also to need to provide Quick Response Code favor information, and preferential single use.Make troubles to use.Also there is trade company's favor information when relating to channel side's (i.e. advertisement providing), the management third party such as application system in prior art, third-party accurately sharing in the benefit also is difficult to ensure, is more unfavorable for the management of trade company to its client.
Summary of the invention
The modern means of communication of consumption and the intensity of cell-phone function and the popularization and application of cell-phone customer terminal social media account are opened for making full use of existing bank card brush, the present invention discloses and a kind ofly realizes based on POS transaction the method that bank card and user social contact media account bind, the method by means of user when POS is concluded the business, by the bank card number that scanning signaling mechanism consumes for this, the unique Quick Response Code distributed, realize bank card and user social contact media account is bound, set up management application system to implement by user social contact media account and bank card number the management of user.
The invention has the beneficial effects as follows, management application system is simple to the issue again of the management of user, statistics, favor information, accurately, third-party accurately sharing in the benefit provided safeguard simultaneously.
The method that the present invention realizes goal of the invention employing is:
The method receives single system by means of bank card, system, trade company POS and user mobile phone client realize jointly, it is characterized in that: set up management application system, trade company's public number management database is set up in management application system, preserve trade company's numbering, terminal number, public number, key information, receive single system at bank card and set up Quick Response Code administration module, realize the step that bank card and user mobile phone client social media account bind as follows:
(1). trade company's POS terminal initiates to swipe the card transaction, and bank card is received single system and received and process transaction of swiping the card;
(2). bank card is received after single system determines correct Transaction Information, sends transaction trade company numbering and terminal number to management application system request Quick Response Code, and sends transaction bank card number;
(3). management application system record transaction bank card number, in public number database, inquire about trade company's public number information and key, after adding remarks unique parameters, to signaling mechanism requests Quick Response Code according to trade company's numbering and terminal number;
(4). signaling mechanism generates Quick Response Code, be back to management application system, management application system is sending to bank card receipts single system, the bank card Quick Response Code administration module received in single system combines transaction results of swiping the card and is back to trade company's POS terminal, POS terminal type belt Quick Response Code transaction sales slip;
(5). the Quick Response Code on user mobile phone client scanning transaction sales slip, adds public number, signaling authorities barcode scanning information, and the user profile of parameter subsidiary in Quick Response Code and bat code is back to application system;
(6). application system searches the transaction bank card number of parameter matching after receiving cell phone customer client information and parameter, complete the binding of bank card number and user social contact media account information.
Below in conjunction with accompanying drawing, the present invention is described in detail.
Accompanying drawing explanation
Accompanying drawing is FB(flow block) of the present invention.
Embodiment
Referring to accompanying drawing, the method that bank card and user social contact media account bind is realized based on POS transaction, the method receives single system by means of bank card, system, trade company POS and user mobile phone client realize jointly, this method also needs to set up management application system, trade company's public number management database is set up in management application system, preserve trade company's numbering, terminal number, public number, key information, receive single system at bank card and set up Quick Response Code administration module, realize the step that bank card and user mobile phone client social media account bind as follows:
(1). trade company's POS terminal initiates to swipe the card transaction, and bank card is received single system and received and process transaction of swiping the card;
(2). bank card is received after single system determines correct Transaction Information, sends transaction trade company numbering and terminal number to management application system request Quick Response Code, and sends transaction bank card number;
(3). management application system record transaction bank card number, in public number database, inquire about trade company's public number information and key, after adding remarks unique parameters, to signaling mechanism requests Quick Response Code according to trade company's numbering and terminal number;
(4). signaling mechanism generates Quick Response Code, be back to management application system, management application system is sending to bank card receipts single system, the bank card Quick Response Code administration module received in single system combines transaction results of swiping the card and is back to trade company's POS terminal, POS terminal type belt Quick Response Code transaction sales slip;
(5). the Quick Response Code on user mobile phone client scanning transaction sales slip, adds public number, signaling authorities barcode scanning information, and the user profile of parameter subsidiary in Quick Response Code and bat code is back to application system;
(6). application system searches the transaction bank card number of parameter matching after receiving cell phone customer client information and parameter, complete the binding of bank card number and user social contact media account information.
In the embodiment of the present invention, described signaling mechanism is micro-letter of company of Tengxun Application and Development or the credulity public service platform of Netease and telecommunication union Application and Development.
In the embodiment of the present invention, also the technical matters of guarantee is difficult to for the third parties such as solution channel side (i.e. advertisement providing), management application system accurately share in the benefit, step (3) in, management application system record transaction bank card number, in public number database, trade company's public number information and key is inquired about according to trade company's numbering and terminal number, after adding remarks unique parameters and third party's identification code, to signaling mechanism requests Quick Response Code.Share in the benefit and commission problem by solving third party to third party's identification code.

Claims (3)

1. realize based on POS transaction the method that bank card and user social contact media account bind, the method receives single system by means of bank card, system, trade company POS and user mobile phone client realize jointly, it is characterized in that: set up management application system, trade company's public number management database is set up in management application system, preserve trade company's numbering, terminal number, public number, key information, receive single system at bank card and set up Quick Response Code administration module, realize the step that bank card and user mobile phone client social media account bind as follows:
(1). trade company's POS terminal initiates to swipe the card transaction, and bank card is received single system and received and process transaction of swiping the card;
(2). bank card is received after single system determines correct Transaction Information, sends transaction trade company numbering and terminal number to management application system request Quick Response Code, and sends transaction bank card number;
(3). management application system record transaction bank card number, in public number database, inquire about trade company's public number information and key, after adding remarks unique parameters, to signaling mechanism requests Quick Response Code according to trade company's numbering and terminal number;
(4). signaling mechanism generates Quick Response Code, be back to management application system, management application system is sending to bank card receipts single system, the bank card Quick Response Code administration module received in single system combines transaction results of swiping the card and is back to trade company's POS terminal, POS terminal type belt Quick Response Code transaction sales slip;
(5). the Quick Response Code on user mobile phone client scanning transaction sales slip, adds public number, signaling authorities barcode scanning information, and the user profile of parameter subsidiary in Quick Response Code and bat code is back to application system;
(6). application system searches the transaction bank card number of parameter matching after receiving cell phone customer client information and parameter, complete the binding of bank card number and user social contact media account information.
2. according to claim 1ly realize based on POS transaction the method that bank card and user social contact media account bind, it is characterized in that: described signaling mechanism is micro-letter or credulity public service platform.
3. according to claim 1 and 2ly realize based on POS transaction the method that bank card and user social contact media account bind, it is characterized in that: step (3) in, management application system record transaction bank card number, in public number database, trade company's public number information and key is inquired about according to trade company's numbering and terminal number, after adding remarks unique parameters and third party's identification code, to signaling mechanism requests Quick Response Code.
CN201410692818.4A 2014-11-27 2014-11-27 Bank card and the method for user social contact media account binding are realized based on POS transaction Active CN104574078B (en)

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Cited By (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN107094159A (en) * 2016-02-18 2017-08-25 腾讯科技(深圳)有限公司 The method and apparatus for setting up card and user account corresponding relation
CN109102381A (en) * 2018-07-17 2018-12-28 中国银行股份有限公司 Accounting processing method and device
CN109461054A (en) * 2018-10-26 2019-03-12 深圳市医信通科技有限公司 Business distributors channel management system on a kind of line based on two dimensional code
CN110071907A (en) * 2019-03-01 2019-07-30 阿里巴巴集团控股有限公司 The generation method and device of two dimensional code
CN111353829A (en) * 2020-03-31 2020-06-30 中国建设银行股份有限公司 Order taking mechanism client drainage method, server and terminal
CN113837744A (en) * 2020-06-24 2021-12-24 中国银联股份有限公司 Transaction data processing method, transaction data processing system and terminal

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Publication number Priority date Publication date Assignee Title
JP2003216857A (en) * 2002-01-25 2003-07-31 It Co Ltd Point service system
CN102831741A (en) * 2012-07-26 2012-12-19 上海聚核信息技术有限公司 Transaction information processing system and processing method thereof
CN103544595A (en) * 2012-11-09 2014-01-29 上海网赛网络科技有限公司 Payment system and method and payment two-dimensional code generation method based on mobile terminal

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2003216857A (en) * 2002-01-25 2003-07-31 It Co Ltd Point service system
CN102831741A (en) * 2012-07-26 2012-12-19 上海聚核信息技术有限公司 Transaction information processing system and processing method thereof
CN103544595A (en) * 2012-11-09 2014-01-29 上海网赛网络科技有限公司 Payment system and method and payment two-dimensional code generation method based on mobile terminal

Cited By (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN107094159A (en) * 2016-02-18 2017-08-25 腾讯科技(深圳)有限公司 The method and apparatus for setting up card and user account corresponding relation
CN107094159B (en) * 2016-02-18 2020-06-02 腾讯科技(深圳)有限公司 Method and device for establishing corresponding relation between card and user account
CN109102381A (en) * 2018-07-17 2018-12-28 中国银行股份有限公司 Accounting processing method and device
CN109461054A (en) * 2018-10-26 2019-03-12 深圳市医信通科技有限公司 Business distributors channel management system on a kind of line based on two dimensional code
CN110071907A (en) * 2019-03-01 2019-07-30 阿里巴巴集团控股有限公司 The generation method and device of two dimensional code
CN111353829A (en) * 2020-03-31 2020-06-30 中国建设银行股份有限公司 Order taking mechanism client drainage method, server and terminal
CN113837744A (en) * 2020-06-24 2021-12-24 中国银联股份有限公司 Transaction data processing method, transaction data processing system and terminal

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