CN104867006A - Virtual payment method based on occasion marker - Google Patents
Virtual payment method based on occasion marker Download PDFInfo
- Publication number
- CN104867006A CN104867006A CN201510310718.5A CN201510310718A CN104867006A CN 104867006 A CN104867006 A CN 104867006A CN 201510310718 A CN201510310718 A CN 201510310718A CN 104867006 A CN104867006 A CN 104867006A
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- China
- Prior art keywords
- user
- occasion
- server
- businessman
- mark
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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]
- G06Q20/3227—Aspects of commerce using mobile devices [M-devices] using secure elements embedded in 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
- G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
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- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- Accounting & Taxation (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Computer Networks & Wireless Communication (AREA)
- Finance (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention discloses a virtual payment method based on an occasion marker. A merchant has one or a plurality of occasions which are hotspot identifications which can be identified by mobile phone App, a user identification is a mobile phone number, users can be the member of the merchant or may not be the member of the merchant, the virtual payment method relates to a server and the mobile phone App, and the server has a bank card binding function and can establish an account by corresponding to the user, the merchant or (and) the occasion. The virtual payment method is characterized in that the method comprises the following steps of marking, registering, generating consumption information, inversely pushing, fetching and determining. Through the method, the mobile phone App can associate the merchant with the account of the user automatically according to the occasion, a card selection problem of the user is avoided, and operation steps for the user to virtually swipe a card can be reduced so as to bring convenience for the user. A person screening identification is added, especially a commodity image which is shot in real time is added, so that the user does not need to queue up in a settlement process, and the user can have a rest in a rest area to wait for a hint given after the mobile phone App finishes the settlement.
Description
Technical field
The invention belongs to technical field of information management, particularly relate to user account and payment management.
Background technology
In actual life, people often use various " card " to carry out the payment after buying commodity or accepting service.In various " card ", member card normally will limit use occasion, bank card outwardly can " general ", but, so-called " general " is also when function of swiping the card reads, that is the restriction occasion of bank card is relevant to machine for punching the card, and such as, external bank card all can not use in most businessmans of China.Like this, when businessman buys commodity or pays after accepting service, consumer is just needed to select " card " that use according to occasion voluntarily at this moment.
Along with popularizing of mobile phone A pp application, substitute various " card " pay with mobile phone A pp, making to swipe the card, it is also ripe to become virtual technology of swiping the card.But, above-mentioned based on occasion payment problem still exist.
That is,
One, when paying, mobile phone A pp applies and does not know place occasion at this very moment, automatically can not select " card " that use, such as automatically select member card when member consumes, and automatically selects the bank card be applicable to when businessman buys commodity or accepts service.Become virtual swipe the card although will swipe the card with mobile phone A pp, eliminate " card " form in kind, but still need consumer to select on mobile phone A pp virtualized " card ", still can not accomplish the auto-associating of occasion and " card ".
Two, items scanning or input service price after, cashier does not also know whom checkout person is, therefore, cashier cannot push away counter for consumption information to the mobile phone A pp of consumer.Like this, just need consumer initiatively to be contained the modes such as the Quick Response Code of commodity or information on services by scanning and institute's content of consumption is associated with mobile phone A pp, virtual swiping the card could be realized.
Three, above-mentioned Quick Response Code is not refer in particular to occasion information, and the process of scanning Quick Response Code is not the ingredient of this consume activity and is not the basis of this consume activity.
Four, above-mentioned consumer " scanning Quick Response Code " action, being inconvenient concerning consumer, is not automatic.
Summary of the invention
Based on the virtual payment method of occasion mark, businessman has one or more occasion, occasion and mobile phone A pp identifiable design focus mark, user ID and cell-phone number, user can be the member that the member of businessman may not be businessman, relates to server and mobile phone A pp, server there is bank card binding function and can respective user, businessman or (with) occasion sets up account, it is characterized in that: comprise mark, report for work, consumption information generates, instead pushes away, captures and determine
Wherein, mark: set up focus on the server and identify show corresponding with businessman; Businessman can accept user and be registered as member, namely businessman on the server or (with) increase record in occasion member table; Server can accept user by the bind request of account and bank card, and server can accept user also can accept the integration cumulative request of businessman to user account to the charging request of account;
Wherein, report for work: user enters businessman's occasion, identify the focus mark of occasion at mobile phone A pp after, show according to focus mark is corresponding with businessman, user ID is presented on Merchant sales platform by merchant client by server automatically;
Wherein, consumption information generates: businessman buys commodity according to user or the service that accepts generates bill on businessman's consumption platform;
Wherein, instead to push away: bill is sent on server according to the user ID that Merchant sales platform presents by cashier;
Wherein, capture: after user reports for work, timing inquires about bill from server;
Wherein, determine: user is to the bill inquired by determining with uncertain two kinds of modes to server returns information, if comformed information, server deducts this expense automatically from the bank card of the occasion of association, businessman or user account and binding;
Above-mentioned consumption information generates, instead push away, capture and determine to occur, after reporting for work, directly enter account inquiries etc.
Further, user can establish people to screen mark again while cell-phone number is as user ID, as the head portrait of people, also this people can be screened mark corresponding with occasion, this people can be changed into make the user ID of " user ID is presented on Merchant sales platform by server automatically " and can mark be screened, be convenient to " bill is sent on server according to the user ID that Merchant sales platform presents by cashier ".
Further, user can dynamically arrange people when buying commodity can screen mark, as captured in real-time commodity image, this people can be screened mark and send to businessman in real time, this people can be changed into make the user ID of " user ID is presented on Merchant sales platform by server automatically " and can mark be screened, be convenient to " bill is sent on server according to the user ID that Merchant sales platform presents by cashier ".The benefit done like this is can when settling accounts, and clearing can be accomplished not queue up with user to link up with, and exempt user and queue up, user can have a rest in rest area, waits for the prompting after mobile phone A pp clearing.
In occasions such as megastore, the mode by technology limits the emission angle etc. of the wireless signal of focus, controls the coverage of focus, to reduce the user ID quantity presented on Merchant sales platform after user reports for work.
It should be noted that, push away and crawl for counter, can merge when mobile phone A pp has fixed ip address, namely directly anti-mobile phone A pp is pushed into, but, this can not save and carry out associated data operation link on the server, so saving crawl is consistent, equivalent technically with technical solution of the present invention.
The Advantageous Effects of use technical solution of the present invention is:
One, businessman can associate with user account according to occasion by mobile phone A pp automatically, eliminates " card " select permeability of user, can reduce operation steps when user is virtual to swipe the card, bring convenience to user.
Two, mobile phone A pp determines that the mode of occasion is automatic, concerning more convenient user by the mode identifying focus mark and substitute scanning Quick Response Code.
Three, add people and can screen mark, be convenient to cashier and push away bill to user is counter, particularly increase captured in real-time commodity image, clearing can be accomplished not queue up with user to link up with, exempt user to queue up, user can have a rest in rest area, waits for the prompting after mobile phone A pp clearing.
Four, especially, be presented on Merchant sales platform when employing people can screen mark as user ID, directly do not present the cell-phone number of user, can user privacy information be protected.
Claims (3)
1. based on the virtual payment method of occasion mark, businessman has one or more occasion, occasion and mobile phone A pp identifiable design focus mark, user ID and cell-phone number, user can be the member that the member of businessman may not be businessman, relates to server and mobile phone A pp, server there is bank card binding function and can respective user, businessman or (with) occasion sets up account, it is characterized in that: comprise mark, report for work, consumption information generates, instead pushes away, captures and determine
Wherein, mark: set up focus on the server and identify show corresponding with businessman; Businessman can accept user and be registered as member, namely businessman on the server or (with) increase record in occasion member table; Server can accept user by the bind request of account and bank card, and server can accept user also can accept the integration cumulative request of businessman to user account to the charging request of account;
Wherein, report for work: user enters businessman's occasion, identify the focus mark of occasion at mobile phone A pp after, show according to focus mark is corresponding with businessman, user ID is presented on Merchant sales platform by merchant client by server automatically;
Wherein, consumption information generates: businessman buys commodity according to user or the service that accepts generates bill on businessman's consumption platform;
Wherein, instead to push away: bill is sent on server according to the user ID that Merchant sales platform presents by cashier;
Wherein, capture: after user reports for work, timing inquires about bill from server;
Wherein, determine: user is to the bill inquired by determining with uncertain two kinds of modes to server returns information, if comformed information, server deducts this expense automatically from the bank card of the occasion of association, businessman or user account and binding;
Above-mentioned consumption information generates, instead push away, capture and determine to occur, after reporting for work, directly enter account inquiries etc.
2. according to claim 1 based on the virtual payment method of occasion mark, it is characterized in that: further, user can establish people to screen mark again while cell-phone number is as user ID, as the head portrait of people, also this people can be screened mark corresponding with occasion, this people can be changed into make the user ID of " user ID is presented on Merchant sales platform by server automatically " and can mark be screened, be convenient to " bill is sent on server according to the user ID that Merchant sales platform presents by cashier ".
3. according to claim 1 based on the virtual payment method of occasion mark, it is characterized in that: further, user can dynamically arrange people when buying commodity can screen mark, as captured in real-time commodity image, this people can be screened mark and send to businessman in real time, this people can be changed into make the user ID of " user ID is presented on Merchant sales platform by server automatically " and can mark be screened, be convenient to " bill is sent on server according to the user ID that Merchant sales platform presents by cashier ".
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510310718.5A CN104867006A (en) | 2015-06-09 | 2015-06-09 | Virtual payment method based on occasion marker |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510310718.5A CN104867006A (en) | 2015-06-09 | 2015-06-09 | Virtual payment method based on occasion marker |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN104867006A true CN104867006A (en) | 2015-08-26 |
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Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201510310718.5A Pending CN104867006A (en) | 2015-06-09 | 2015-06-09 | Virtual payment method based on occasion marker |
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| CN (1) | CN104867006A (en) |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN112418971A (en) * | 2019-08-22 | 2021-02-26 | 东芝泰格有限公司 | Commodity sales processing system, commodity sales processing apparatus, commodity sales processing method, commodity sales processing medium, and storage medium |
Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102682382A (en) * | 2012-05-13 | 2012-09-19 | 徐彬 | Mobile payment system based on WiFi (Wireless Fidelity) signal identifier |
| CN102956001A (en) * | 2011-08-22 | 2013-03-06 | 联动优势科技有限公司 | Method, device and system for confirming e-payments |
| CN103208064A (en) * | 2012-12-06 | 2013-07-17 | 浙江大学 | Online short-range payment method |
| US20140164156A1 (en) * | 2007-11-30 | 2014-06-12 | Michelle Fisher | Financial transaction processing with digital artifacts and a default payment method using a mobile communications device |
| CN104463581A (en) * | 2014-12-31 | 2015-03-25 | 上海云联计算机系统有限公司 | Payment request issuing method and device and payment information transmission method and device |
-
2015
- 2015-06-09 CN CN201510310718.5A patent/CN104867006A/en active Pending
Patent Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20140164156A1 (en) * | 2007-11-30 | 2014-06-12 | Michelle Fisher | Financial transaction processing with digital artifacts and a default payment method using a mobile communications device |
| CN102956001A (en) * | 2011-08-22 | 2013-03-06 | 联动优势科技有限公司 | Method, device and system for confirming e-payments |
| CN102682382A (en) * | 2012-05-13 | 2012-09-19 | 徐彬 | Mobile payment system based on WiFi (Wireless Fidelity) signal identifier |
| CN103208064A (en) * | 2012-12-06 | 2013-07-17 | 浙江大学 | Online short-range payment method |
| CN104463581A (en) * | 2014-12-31 | 2015-03-25 | 上海云联计算机系统有限公司 | Payment request issuing method and device and payment information transmission method and device |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN112418971A (en) * | 2019-08-22 | 2021-02-26 | 东芝泰格有限公司 | Commodity sales processing system, commodity sales processing apparatus, commodity sales processing method, commodity sales processing medium, and storage medium |
| CN112418971B (en) * | 2019-08-22 | 2024-10-15 | 东芝泰格有限公司 | Commodity sales processing system, commodity sales processing apparatus, commodity sales processing method, and storage medium |
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| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20150826 |
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| RJ01 | Rejection of invention patent application after publication |