CN104820919B - A kind of on-line off-line mobile payment service platform - Google Patents
A kind of on-line off-line mobile payment service platform Download PDFInfo
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- CN104820919B CN104820919B CN201510188660.1A CN201510188660A CN104820919B CN 104820919 B CN104820919 B CN 104820919B CN 201510188660 A CN201510188660 A CN 201510188660A CN 104820919 B CN104820919 B CN 104820919B
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Abstract
The present invention proposes a kind of on-line off-line mobile payment service platform, including special Cash collecting equipment, accept service terminal, special electronic service platform and service provider system, special Cash collecting equipment is wirelessly communicated with service terminal is accepted to be paid, service terminal is accepted so that the means of payment accesses special electronic service platform on line or under line, special electronic service platform is connect by special line or payment gateway with service provider system；It includes mobile phone to accept service terminal, the virtual card for storing special electronic service platform information is built-in in the chip of mobile phone, special electronic service platform includes for providing the transaction processing system of on-line off-line payment gateway service, system for settling account, background management system, virtual account management system and service door.The on-line off-line mobile payment service platform for implementing the present invention, has the advantages that：The means of payment is various, on-line off-line synchronous payment, can meet businessman's requirement.
Description
Technical field
The present invention relates to payment technical field, more particularly to a kind of on-line off-line mobile payment service platform.
Background technology
The single business of current bank card receipts is highly developed, and novel online receipts are single, payment innovation mode emerges one after another, with
The rise of O2O business, traditional means of payment are that payment or pure online payment, the two cannot synchronize payment under pure line.With
Businessman's increasingly higher demands, the short slab of payment transaction exposing slowly on payment transaction or pure net under traditional pure line
Come, the problems such as that there are Third-party payment modes is single, on-line off-line separation due to it, causes the service that cannot be satisfied numerous businessmans
It is required that.
Invention content
The technical problem to be solved in the present invention is, for the prior art the above-mentioned means of payment it is single, on-line off-line point
From, cannot be satisfied the defect of businessman's requirement, a kind of various means of payment, on-line off-line synchronous payment are provided, businessman can be met wants
The on-line off-line mobile payment service platform asked.
The technical solution adopted by the present invention to solve the technical problems is：It is flat to construct a kind of on-line off-line mobile payment service
Platform, including special Cash collecting equipment, accept service terminal, special electronic service platform and service provider system, the special gathering
Equipment is wirelessly communicated with the service terminal that accepts to be paid, it is described accept service terminal on line or
The means of payment accesses the special electronic service platform under line, the special electronic service platform by special line or payment gateway with
The service provider system connection；The service terminal that accepts includes mobile phone, is built-in in the chip of the mobile phone for storing
The virtual card of the special electronic service platform information, the special electronic service platform include for providing on-line off-line payment
The transaction processing system of gateway service handles and generates the system for settling account of bill for carrying out automatic cleaning to transaction, has been used for
Pairs of merchant information management, special Cash collecting equipment management, service inquiry, rule maintenance, accounting affairs adjustment and bordereau function
Background management system, the virtual account management system for managing virtual account information, and for be services platform user
The service door of all-around service is provided.
In on-line off-line mobile payment service platform of the present invention, the transaction processing system includes that transaction accesses
Front-end system, channel access front-end system, safety management system and transaction risk manage system, and the transaction accesses front-end system
The difference that service terminal is accepted according to described in provides its different access module, and the transaction accesses front-end system according to transaction
Pattern and the difference of customer transaction behavior are packaged after conversion transaction are transferred to the channel access front-end system respectively,
The service provider system is routed to by rule complete trading activity by channel access front-end system.
In on-line off-line mobile payment service platform of the present invention, it is described accept service terminal further include POS machine,
Self-aided terminal and web browser, the POS machine accesses the transaction with phone dialing mode and accesses front-end system, described self-service
Terminal, mobile phone and web browser are that the transaction access front-end system is accessed in a manner of internet.
In on-line off-line mobile payment service platform of the present invention, the special Cash collecting equipment is MPOS machines.
In on-line off-line mobile payment service platform of the present invention, the service door includes cellular service door
Family, the self-aided terminal are traded behavior with mobile phone by the cellular service portal.
In on-line off-line mobile payment service platform of the present invention, the service door further includes WEB service door
Family, the web browser are traded behavior by the WEB service portal.
In on-line off-line mobile payment service platform of the present invention, the on-line off-line mobile payment service platform
It further include the wechat service system for providing wechat service.
In on-line off-line mobile payment service platform of the present invention, the service provider system includes hair fastener group
Knit, issuing bank, Third-party payment mechanism and large scale business mechanism.
The on-line off-line mobile payment service platform for implementing the present invention, has the advantages that：Due to the use of special receipts
Money equipment accepts service terminal, special electronic service platform and service provider system, special Cash collecting equipment and accepts service terminal
It is wirelessly communicated to be paid, accepts service terminal so that means of payment access special electronic takes on line or under line
Business platform, it includes mobile phone to accept service terminal, is built-in in the chip of mobile phone for storing special electronic service platform information
Virtual card, special electronic service platform include the transaction processing system for providing on-line off-line payment gateway service, payment
Mode is various, on-line off-line synchronous payment, can meet businessman's requirement.
Description of the drawings
In order to more clearly explain the embodiment of the invention or the technical proposal in the existing technology, to embodiment or will show below
There is attached drawing needed in technology description to be briefly described, it should be apparent that, the accompanying drawings in the following description is only this
Some embodiments of invention without having to pay creative labor, may be used also for those of ordinary skill in the art
With obtain other attached drawings according to these attached drawings.
Fig. 1 is the configuration diagram in the on-line off-line mobile payment service platform one embodiment of the present invention.
Specific implementation mode
Following will be combined with the drawings in the embodiments of the present invention, and technical solution in the embodiment of the present invention carries out clear, complete
Site preparation describes, it is clear that described embodiments are only a part of the embodiments of the present invention, instead of all the embodiments.It is based on
Embodiment in the present invention, those of ordinary skill in the art are obtained every other without creative efforts
Embodiment shall fall within the protection scope of the present invention.
In the on-line off-line mobile payment service platform embodiment of the present invention, on-line off-line mobile payment service platform
Structural schematic diagram is as shown in Figure 1.In Fig. 1, which includes special Cash collecting equipment 1, accepts clothes
Be engaged in terminal 2, special electronic service platform 3 and service provider system 4, special Cash collecting equipment 1 with accept service terminal 2 by wireless
Mode is communicated to be paid, and accepts service terminal 2 so that the means of payment accesses special electronic service platform on line or under line
3, special electronic service platform 3 is connect by special line or payment gateway with service provider system 4；It includes hand to accept service terminal 2
Machine 23 is built-in with the virtual card for storing special electronic service platform information in the chip of mobile phone 23.It is special in the present embodiment
Electronic service platform 3 includes transaction processing system, system for settling account 32, background management system 33,34 and of virtual account management system
Service door, wherein transaction processing system for providing on-line off-line payment gateway service, system for settling account 32 be used for merchandise into
The automatic cleaning of row handles and generates bill, and background management system 33 is for completing to merchant information management, special Cash collecting equipment pipe
Reason, service inquiry, rule are safeguarded, accounting affairs adjustment and bordereau function, virtual account management system 34 are virtual for managing
Account information, service door are used to for services platform user provide all-around service, particularly as being responsible for carrying for the user of quotient's e treasured
For comprehensive personal service, web browser and two Terminal Type of mobile phone is supported to use, and wechat service and real-time message clothes are provided
Business.
Specifically, in the present embodiment, special Cash collecting equipment 1 is MPOS machines.System for settling account 32 is mainly precious to quotient e to be generated daily
Transaction carry out automatic clearance processing, provide files in batch mode and the online mode that keeps accounts in real time, and generate the daily account of user
It is single, by default rule, it can reach and execute completion automatically daily.Background management system 33 is mainly completed to merchant information
The functions such as management, the management of MPOS machines, service inquiry, rule maintenance, accounting affairs adjustment and bordereau.
It is noted that in the present embodiment, special electronic service platform is known as quotient's e treasured electronic service platforms.This reality
It applies in example, quick payment under line is completed by mobile phone NFC function.The certification member of quotient's e treasured is silver-colored except that can pass through completion binding on line
The quick payment of row card also can carry out aerial hair fastener by cell phone application application, quotient's e treasured virtual cards are built in chip for cell phone,
Quotient's e treasured certifications member can carry out the consumption of quick payment and operations, the holder such as supplement with money that cell phone application can be passed through in real time by mobile phone
Multiple quick payment accounts are bound, all-purpose card use is truly realized, pattern on Support Line and under line realizes efficient and convenient payment.Institute
Various with its means of payment, on-line off-line synchronous payment can meet businessman's requirement
In the present embodiment, transaction processing system includes transaction access front-end system 311, channel access front-end system 312, peace
Full management system 313 and transaction risk manage system 314, and transaction access front-end system 311 is according to the difference for accepting service terminal 2
Its a variety of different access module is provided, transaction access front-end system 311 according to the pattern of transaction and customer transaction behavior not
Together, transaction is packaged after conversion respectively and is transferred to channel access front-end system 312, pressed by channel access front-end system 312
Rule is routed in service provider system 4, to complete trading activity.Turn it is noted that above-mentioned encapsulation transition includes message
It changes and safe ciphertext is converted.Transaction is divided into the transaction of payment class and the transaction of information service class, and payment class transaction refers mainly to directly consume
With guarantee consumption etc.；The transaction of information service class includes mainly order inquiries, data synchronization and Information Authentication etc..
In the present embodiment, it further includes POS machine 21, self-aided terminal 22 and web browser 24, POS machine 21 to accept service terminal 2
Transaction access front-end system is accessed with phone dialing mode, self-aided terminal 22, mobile phone 23 and web browser 24 are with internet
Mode access transaction access front-end system 311, completed and backstage by the client plug-in that provides of transaction access front-end system 311
Docking.It pays under 21 Support Lines of POS machine, is paid on 22 Support Lines of self-aided terminal, mobile phone 23 is to be paid on Support Line, again
It pays under Support Line, is paid on 24 Support Lines of web browser, so it supports multiple terminal payment mode.
In the present embodiment, service door includes cellular service portal 351, and self-aided terminal 22 is taken by mobile phone with mobile phone 23
Business portal 351 is traded behavior.Specifically, mobile phone 23 sends payment instruction, cellular service portal to cellular service portal 351
The payment instruction is sent to channel by 351 accesses front-end system 312, and channel accesses front-end system 312 and passes through special line or payment net
It closes and payment is sent to service provider system 4, service provider system 4 judges the issuing bank for the bank card for needing to bind, to it
It is authenticated, if certification success, the successful information of certification is returned into channel and accesses front-end system 312, channel access is preposition
The successful information of certification is returned to cellular service portal 351 by system 312 again need to after cellular service portal 351 is confirmed
The account information of the bank card to be bound is saved in virtual account management system 34, thus has registered precious special of a quotient e
Account, meanwhile, the successful information of certification is returned to mobile phone 23 by cellular service portal 351.In the present embodiment, virtual account management
System 34 is responsible for the virtual account information of quotient's e treasured, and specified account is generated for each quotient e treasured users for completing real-name authentication,
And it is associated with the identity information of user, the services such as wallet, Ka Bao, financing and member privilege are provided.
In the present embodiment, service door further includes WEB service portal 352, and web browser 34 passes through WEB service portal 352
It is traded behavior.The payment transaction process of web browser 34 is similar with the payment transaction process of mobile phone 23, just no longer explains here
It states.
In the present embodiment, which further includes wechat service system 36, wechat service system
System 36 is for providing wechat service.Service provider system 4 includes hair fastener tissue 41, issuing bank 42, Third-party payment mechanism 43
With large scale business mechanism 44.It is noted that when into paying under line, channel access front-end system 312 by special line with
Service provider system 4 is communicated, and when into paying on line, channel accesses front-end system 312 and passes through payment gateway and service
Offer system 4 is communicated.
In short, in the present embodiment, due to mobile payment technology have extraordinary point-to-point services experience and increasingly
Valued, the payment of present invention combination terminal and mobile payment technology, to have compatibility, expansibility, cloud quotient's batch system,
Make the O2O service modes that payment is synchronized on line, under line.Special electronic service platform 3 is paid to be paid under line, on line as base
Plinth is supplement with mobile payment technology, provides three-dimensional Integrated service to the user.Pass through virtual account management system, solution
It has determined and has depended on Unionpay's transaction channel and the single limitation of trafficwise for a long time in former transaction chain, by terminal access, transaction
Processing, accounting processing, trade company clear these links and form a servicing closed loop, and are completed accurately in this servicing closed loop
Service transacting promotes the service quality of B2C and B2B business with the service theory of O2O.Present in Third-party payment
The problem of means of payment is single, on-line off-line separation.
The foregoing is merely illustrative of the preferred embodiments of the present invention, is not intended to limit the invention, all essences in the present invention
With within principle, any modification, equivalent replacement, improvement and so on should all be included in the protection scope of the present invention god.
Claims (4)
1. a kind of on-line off-line mobile payment service platform, which is characterized in that including special Cash collecting equipment, accept service terminal,
Special electronic service platform and service provider system, the special Cash collecting equipment accept service terminal wirelessly with described
It is communicated to be paid, it is described to accept service terminal with the means of payment on line or under line to access the special electronic service flat
Platform, the special electronic service platform are connect by special line or payment gateway with the service provider system；It is described to accept service
Terminal includes mobile phone, and the virtual card for storing the special electronic service platform information is built-in in the chip of the mobile phone,
The special electronic service platform includes the transaction processing system for providing on-line off-line payment gateway service, for transaction
Carry out automatic cleaning and handle and generate the system for settling account of bill, for complete to merchant information management, special Cash collecting equipment management,
Service inquiry, rule safeguard, the background management system of accounting affairs adjustment and bordereau function, for managing virtual account information
Virtual account management system, and the service door for providing all-around service for services platform user；The clearance system
It unites and automatic clearance processing is carried out to the transaction that quotient's e treasured generates daily, files in batch mode and the online mode that keeps accounts in real time are provided；Institute
It states service door and is responsible for the user of quotient's e treasured and comprehensive personal service is provided, web browser and two Terminal Type of mobile phone is supported to make
With, and wechat service and real-time message service are provided；
The special electronic service platform is known as quotient's e treasured electronic service platforms；It completes fast to prop up under line by mobile phone NFC function
It pays, the certification member of quotient's e treasured removes the quick payment by completing binding bank card on line, is carried out also by cell phone application application empty
Middle hair fastener is built in quotient's e treasured virtual cards in chip for cell phone, and quotient e treasured certification members carry out the consumption of quick payment by mobile phone
It is operated with supplementing with money, holder binds multiple quick payment accounts by cell phone application in real time；
The transaction processing system includes transaction access front-end system, channel access front-end system, safety management system and transaction
Risk management system, the difference that the transaction access front-end system accepts service terminal according to described in provide its different access mould
Formula, the transaction access front-end system according to the pattern of transaction and the difference of customer transaction behavior, are packaged respectively to transaction
The channel access front-end system is transferred to after conversion, being routed to the service by rule by channel access front-end system carries
Trading activity is completed for system；
The service terminal that accepts further includes POS machine, self-aided terminal and web browser, and the POS machine is connect with phone dialing mode
Enter transaction access front-end system, the self-aided terminal, mobile phone and web browser be accessed in a manner of internet it is described
Transaction access front-end system；
The special Cash collecting equipment is MPOS machines；
The service door includes cellular service portal, and the self-aided terminal is carried out by the cellular service portal with mobile phone
Trading activity.
2. on-line off-line mobile payment service platform according to claim 1, which is characterized in that the service door also wraps
WEB service portal is included, the web browser is traded behavior by the WEB service portal.
3. on-line off-line mobile payment service platform according to claim 1 or 2, which is characterized in that described on-line off-line
Mobile payment service platform further includes the wechat service system for providing wechat service.
4. on-line off-line mobile payment service platform according to claim 3, which is characterized in that the service provider system
Including hair fastener tissue, issuing bank, Third-party payment mechanism and large scale business mechanism.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510188660.1A CN104820919B (en) | 2015-04-20 | 2015-04-20 | A kind of on-line off-line mobile payment service platform |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510188660.1A CN104820919B (en) | 2015-04-20 | 2015-04-20 | A kind of on-line off-line mobile payment service platform |
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| Publication Number | Publication Date |
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| CN104820919A CN104820919A (en) | 2015-08-05 |
| CN104820919B true CN104820919B (en) | 2018-08-14 |
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| CN201510188660.1A Expired - Fee Related CN104820919B (en) | 2015-04-20 | 2015-04-20 | A kind of on-line off-line mobile payment service platform |
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| CN106557972B (en) * | 2015-09-30 | 2021-11-05 | 腾讯科技（深圳）有限公司 | Information processing method and system for realizing virtual user card |
| CN106997576A (en) * | 2016-01-26 | 2017-08-01 | 武汉烽火信息集成技术有限公司 | A kind of city intelligent service for life plateform system |
| CN105761079A (en) * | 2016-02-02 | 2016-07-13 | 四川长虹电器股份有限公司 | Payment configuration method and system supporting multiple channels |
| CN105956900A (en) * | 2016-04-22 | 2016-09-21 | 江苏丰福信息科技有限公司 | Novel order-receiving system |
| CN106022772A (en) * | 2016-05-27 | 2016-10-12 | 深圳市八零年代网络科技有限公司 | Payment card setting method and payment card setting device |
| CN107818464A (en) * | 2016-09-14 | 2018-03-20 | 百度在线网络技术（北京）有限公司 | A kind of NFC payment realized in mobile terminal and device |
| CN108305064A (en) * | 2017-01-13 | 2018-07-20 | 飞捷科技股份有限公司 | Combined movable payment infrastructure and its mobile endpoint Sales module |
| CN107038573A (en) * | 2017-04-21 | 2017-08-11 | 广东通莞科技股份有限公司 | A kind of polymerization payment system based on Internet of Things and cloud computing |
| CN107274168A (en) * | 2017-06-15 | 2017-10-20 | 中国银行股份有限公司 | A kind of method of payment, system, Novel POS machine and payment core system |
| CN107451801A (en) * | 2017-07-11 | 2017-12-08 | 谢奉见 | A kind of management of differential account system based on banking supervision |
| CN107437170A (en) * | 2017-07-11 | 2017-12-05 | 谢奉见 | A kind of management of differential account system based on third-party monitoring |
| CN107808285A (en) * | 2017-09-28 | 2018-03-16 | 深圳市生银万国网络科技有限公司 | A kind of method of payment, equipment and computer-readable recording medium |
| CN110097349B (en) * | 2018-01-29 | 2023-08-04 | 腾讯科技（深圳）有限公司 | Resource processing method, device and storage medium |
| CN109670823A (en) * | 2019-01-09 | 2019-04-23 | 新开普电子股份有限公司 | A kind of virtual campus card system solution methods |
| TWI761688B (en) * | 2019-06-28 | 2022-04-21 | 悠遊卡股份有限公司 | Application method of transaction system of virtual electronic ticket card |
| CN111784328B (en) * | 2019-09-17 | 2024-01-12 | 北京京东尚科信息技术有限公司 | Virtual resource processing method, device, system, gateway and readable storage medium |
| CN112950178B (en) * | 2021-02-25 | 2023-09-12 | 中钞信用卡产业发展有限公司 | B2B proxy payment method and system based on license chain |
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| CN104123646A (en) * | 2014-07-21 | 2014-10-29 | 深圳前海君浩银通科技发展有限公司 | Composite type mobile uKey and electronic wallet payment system |
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- 2015-04-20 CN CN201510188660.1A patent/CN104820919B/en not_active Expired - Fee Related
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN104123646A (en) * | 2014-07-21 | 2014-10-29 | 深圳前海君浩银通科技发展有限公司 | Composite type mobile uKey and electronic wallet payment system |
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| CN104820919A (en) | 2015-08-05 |
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