CN105023149B - Method for realizing offline cash-receiving diversified settlement and payment management system - Google Patents
Method for realizing offline cash-receiving diversified settlement and payment management system Download PDFInfo
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/20—Point-of-sale [POS] network systems
- G06Q20/202—Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
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- 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
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- G06Q20/00—Payment architectures, schemes or protocols
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- G06Q20/401—Transaction verification
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07G—REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
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Abstract
The invention relates to a method for realizing diversified settlement of offline cash register. The method is implemented on the basis of an intelligent POS machine system. Essentially a microprocessor terminal plus an intelligent management module. Not only can protect all cash receiving modes, but also has the financial processing and expanding functions with complete functions. The implementation steps of the method comprise the following steps: 1) the method comprises the steps of transaction information input, 2) selecting a settlement mode, 3) connecting a channel of a cloud storage platform to realize settlement mode preparation, 4) starting the selected settlement mode and editing the selected settlement mode into a settlement request message, 5) uploading the settlement request message, 6) confirming feedback information by a consumer, and 7) printing and storing the settlement document.
Description
Technical Field
The method provided by the invention relates to the occasion of completing transaction settlement in commercial circulation, especially offline.
Background
At the present time when internet technology is rapidly developed, not only the traditional business model faces the impact, but also the settlement of channels in the traditional business model operation process faces huge challenges. Even specialized POS machines under the well-established union of bank standards cannot cope with the increasingly complex situation. The traditional POS machine has no ability to be compatible with the business settlement mode and various financial service institution payment modes emerging with the rapid development of financial reform by simple modification due to the functional limitation and the simplification of the interface structure. The certificates for modern commercial settlement have already formed a colorful situation. All settlement vouchers need to pass strict examination and safety detection of a bank management department and are provided with strict enterprise standards. In the using process, strict checking, checking and authentication processes are adopted for the certificates which are already put into commercial operation so as to ensure the safety of the settlement process. Meanwhile, the complexity of the merchant cash register and the confusion of the operation business are caused. The difficulty of carrying out uniform and convenient reconstruction is serious. The reason is that the sealing performance of the financial terminal equipment and the specificity of the intelligent terminal equipment are deeply contradictory to the coexistence, sharing and intersection of the internet. Therefore, in the field of circulation, especially for alternative merchants and consumers, it is highly desirable to be able to realize normal settlement at the same place and equipment, regardless of whether the financial account certificates owned by the merchants and consumers can be used universally.
In the existing offline transaction, the settlement modes can be divided into cash (including shopping card), union pay card and third party payment. Third party payments generally refer to settlement using payment instruments of financial institutions other than the Unionpay standard. How to realize the overall cash-collecting operation through intelligent management or process any payment mode by means of independent cash-collecting equipment. Has become an attractive subject in the circulation industry.
In addition, at present, the payment and collection methods mainly include multiple collection methods such as bank card swiping, card shooting, card inserting and collection, third-party account card-free collection, cash collection, two-dimensional code payment, even light wave and sound wave payment, and the like, while the traditional POS machine can realize payment, but the payment is realized by using the bank card swiping, and the payment process is as follows:
when a customer (bankcard holder) needs to pay through a POS, a POS holder (merchant) needs to make basic settings for information of a transaction, such as a payment amount, on the POS.
The customer swipes the bank card on the POS machine and inputs the payment password of the bank card.
And the POS generates a payment account bill and sends the payment account bill to the Unionpay, the Unionpay realizes payment through the bank, and returns a payment result to the POS machine, and the POS machine prints the evidence to complete payment.
At present, POS machines are classified into different POS machines according to different modes of reading bank cards, for example, currently, the most commonly used POS machine that reads a union pay card or a credit card by using a card reader has different structures, for example, different POS machines are available for card swiping, card shooting, card inserting and the like, in addition, different cash collection terminals need to be used for multiple cash collection modes such as card-free collection, cash collection, two-dimensional code payment, even light wave and sound wave payment and the like by using a third-party account, and all the current cash collection terminals do not have a function of managing customers. The requirements of current merchants on the payment system cannot be met. Especially, at present, the requirement for customer management is higher and higher, for example, different customers have different preferential lines, and when the current POS machine collects money, it is difficult to realize the management of these preferential schemes.
Disclosure of Invention
The invention provides a method for realizing standardized clearing under various settlement modes. The intelligent settlement terminal equipment formed by means of the method guidance helps to solve the problems of various equipment and complicated operation procedures. By means of the mass storage of the cloud storage platform and the authentication of the intelligent management module and the calling of public resources, the diversified settlement of the off-line cash can be conveniently realized.
The structure based on the cashier system comprises a central processing unit provided with an intelligent management module. The system comprises a diversified settlement voucher information acquisition module, a settlement message uploading module, a selected cloud storage platform, a data communication interface setting module, a communication protocol module, a message editing module, a settlement mode execution path prompting module, a gating display screen management module, an operation keyboard module, an intermediate storage and a settlement voucher output module, wherein the communication protocol module, the message editing module and the settlement module are matched with a settlement mode.
The specific execution steps of the method comprise:
1) transaction information entry: starting a system host and inputting transaction information, arranging into a transaction request report form comprising product specification details, unit price and transaction amount by virtue of an intelligent management module (2), displaying and dumping into an intermediate memory (3) on a gating display screen, and providing a transaction mode selection by the intelligent management module (2);
2) and (4) gating a settlement mode: displaying the settlement mode which can be compatible with the system on a gating display screen in a classified list, determining settlement mode selection by adopting touch gating, prompting normalized operation information on the gating display screen, and operating the system to enter a preparation state after the operation according to the prompt information;
3) and connecting a channel of the cloud storage platform to realize settlement mode preparation: establishing a communication link from a corresponding storage area in the cloud storage platform to a system intermediate storage (3) on the basis of the operation of the selected settlement mode, and randomly calling registration authentication data, support data in program operation and agreement data of a related channel of the transaction in the selected settlement mode;
4) starting the selected settlement mode, and editing into a settlement request message: selecting a sub-module corresponding to the selected settlement mode from the intelligent management module (2) to run, summarizing an authentication result, extracting a code of a settlement voucher and gating a communication link of the clearing center; the editing step comprises the extraction of payment voucher codes, the confirmation of payment account codes and normalization and the check of preferential protocol information, and a settlement request message is formed after the intelligent management module (2) edits the payment voucher codes and the normalization;
5) uploading a settlement request message: the intelligent management module (2) transmits the settlement request message to the host computer of the clearing center in a communication mode special for the system, and waits for the feedback information of further affirmation and processing of the settlement request message:
6) the consumer affirms the feedback information: the intelligent management module (2) processes the clearing message which is confirmed to be fed back into final settlement information which is displayed on a gating display screen, prompts a consumer to input confirmation information in a settlement appointment mode of the transaction and uploads the confirmation information;
7) printing and storing of clearing documents: after receiving the information of 'successful transaction' of the clearing center, the intelligent management module (2) extracts related information, prints a transaction certificate, stores a transaction process record in a designated memory and displays the transaction process record on a gating display screen.
The specific steps of the above method are further explained below.
The intelligent management module (2) structurally comprises a Unionpay card settlement submodule (2-1), a third party settlement submodule (2-2) and a prepaid card settlement operator module (2-3); a settlement data recording module (2-4); a message editing module (2-5); deletion, addition and modification modules (2-6) of an authorized administrator; and starting the corresponding module according to the settlement mode selected by the user or starting the corresponding settlement module after necessary modification.
The structure of the gating display screen management module (8) comprises a transaction list submodule (8-1), a transaction payment mode selection table submodule (8-2) and a settlement mode selection operation step prompting submodule (8-3); the above information can be displayed in a centralized partition mode or in a full screen mode in terms of items on the display screen.
The settlement mode preparation in the step 3) comprises the steps of payment sub-mode confirmation, payment subset formation and two stages:
1) first stage payment channel configuration: configuring a payment channel under the selected clearing mode according to a standard data protocol;
analyzing the first-stage settlement information and the communication protocol under the current transaction mode, realizing the butt joint of the settlement information and the settlement mode, extracting the amount of the current transaction, the payment certificate code and the cash register code, and then packaging and encrypting the information into a message which meets the standard of the current transaction and the settlement mode and storing the message in an intermediate memory (3);
2) and a second stage of forming a settlement instruction subset:
extracting a standard settlement message, adding a pass key including an IP address of a settlement terminal, editing and assembling the pass key into an execution instruction subset under the current settlement mode, and storing the execution instruction subset in an intermediate memory (3);
the third party settlement submodule (2-2) comprises a payment treasure settlement sub-module taking the two-dimension code as a settlement voucher and a wing payment settlement sub-module for implementing settlement by means of the two-dimension code or NFC.
The prepaid card settlement operator module (2-3) comprises an execution instruction subset in the settlement mode, and when the prepaid card settlement operator module (2-3) is started and the registration card number is verified, the card issuing unit and the consumption record balance are started immediately after the consumption request is legal and valid.
The step of prompting the normalized settlement operation information on the gating display screen comprises the following steps:
a. the payment credentials for the settlement model you choose are: union pay card, two-dimensional code, cursor code IC card, wing payment digital information, bar code information,
b. please inject "yes" in brackets behind the selected settlement voucher category, then enter "↙" command,
c. the confirmation transaction information requests to import (take in) the settlement key.
When the code of the settlement voucher is extracted in the step 4), an information acquisition circuit interface matched with the settlement mode under the management of the settlement voucher information acquisition module (11) is firstly gated.
The information acquisition circuit interface under the management of settlement voucher information acquisition module (11) includes: the system comprises a Unionpay card special interface (11-1), a two-dimensional code intake interface (11-2), a cursor code identification interface (11-3), an IC card reading interface (11-4), an authorized administrator identity card reading interface (11-i), a wing payment digital information interface and a bar code information interface.
The structure of the deletion, addition and modification modules (2-6) of the authorized administrator comprises an identification submodule of the identity and the authority of the administrator.
The method has the advantages that the settlement under the line is finished in a single mode, and the diversified omnibearing settlement situation is formed, so that the method is suitable for the requirement of the circulation field.
It is particularly emphasized that the key to the method is to arrange an intelligent management module under the microprocessing unit. Thereby extending the functionality of conventional POS machines. Can be realized under the condition of a PC, a tablet computer, a traditional pos machine or other basic hardware; forming a separate cash register device. For example, when the intelligent payment box is used, the intelligent payment box can be connected with an intelligent management module through the intelligent operation terminal such as a traditional POS machine, a PC (personal computer) or a tablet personal computer, and the cash registering processing can be executed in any payment mode.
The cashier management module in the technical scheme is directly connected with a basic hardware structure of a traditional POS machine, a cloud platform memory and a financial institution in a wired or wireless mode. The intelligent management module can take over part of POS machine cash register functions, weaken the existing POS machine cash register functions and simply use the POS machine cash register functions as an acceptance and payment tool. The key capital trends are managed by intelligent management modules through the internet. Therefore, the method not only surpasses the limitation of the Unionpay, but also can carry out third-party payment and realize instant multi-party settlement by being compatible with various off-line payments.
The cash register system is matched with the method in hardware configuration. The intelligent POS machine is provided with an intelligent module. In view of the integration of the authentication mode and the registration mode of various settlement voucher information, the intelligent management module leaves sufficient room for the development of a rapid settlement mode. The management process of a large amount of information data is to apply mature and well-known data packets; a need exists for a large number of simultaneously authenticated and registered intelligent POS. Therefore, the provided public cloud storage platform is very necessary and quite critical. The intelligent management module is used for the management process of the intelligent POS machine, a complete diversified cash-receiving settlement method with strict steps is formed, and an interface for acquiring information is simply converted into an acquisition tool for settlement information, so that resource sharing under offline diversified settlement is achieved through the Internet. In addition, the management module directly supports various third-party payments and settlement of various shopping cards including cash payments, timely settlement activities with participation of channel parties and participation settlement of various preferential benefits of commercial activities, and is a great promotion for the development of the current traffic industry.
The invention also aims at the problem that the current POS machine does not have the function of managing the customers. The requirements of current merchants on the payment system cannot be met, and a payment communication method and a payment system are provided.
The technical scheme adopted by the invention is as follows: a payment management method comprising the steps of:
a, a merchant cash register terminal transmits a data packet at least comprising transaction amount and a merchant number to a background management system;
b, the background management system analyzes the received data packet and stores the analyzed data packet in a server database to generate order information at least with an order number and a transaction amount and returns the order information to the merchant cash receiving terminal;
step C, the merchant cash register terminal acquires whether the customer has the discount certificate, and if the customer has the discount certificate, the discount certificate is transmitted to a background management system; the management system of the background retrieves the discount voucher, and if the discount voucher is real and effective, the order information is updated and returned to the merchant cash register terminal; otherwise, directly entering the step D;
step D, the merchant cash-collecting terminal acquires a payment mode of the customer, receives cash if the customer adopts cash payment, acquires a payment account number and authorization of the customer if the customer adopts an account payment mode, and realizes the collection by using a payment flow of an account adopted by the customer;
and step E, after the merchant cash collecting terminal updates the order information, the updated order information is sent to a background management system, and the background management system updates a customer management database, wherein when the merchant cash collecting terminal updates the order information, the customer adopting an account payment mode at least adds the payment account number of the customer into the order information, if the customer adopting cash payment has a discount voucher, the discount voucher number of the customer is at least added into the order information, and if the customer adopting cash payment does not have the discount voucher, the merchant cash collecting terminal updates the order information without adding any content.
The payment management method comprises the following steps: and packaging the information transmitted between the merchant cash register terminal and the background management system into a json data packet. And E, when the merchant cash register terminal updates the order information, adding the detailed list of the goods or services purchased by the customer into the order information. In the step D, the account number used by the customer in the account payment mode comprises a bank account number and a non-bank account number. The method for acquiring the payment account number of the client at least comprises the following steps: reading a customer's union pay card or credit card with a card reader; or a mode of acquiring the payment account number of the customer from the customer handheld mobile terminal by using a mode of communicating with the customer handheld mobile terminal.
The invention also provides a payment management system for realizing the payment management method, which comprises a collection terminal and a background management system communicated with the collection terminal, wherein the collection terminal is provided with a device for acquiring the payment account number of the client and a system for communicating with the account payment system to realize account payment; the background management system comprises a communication system communicated with the collection terminal, a customer management module, an order information generation module, a discount information management module and a customer database;
the order information generating module is connected with the communication system;
the customer management module is connected with the communication system, receives customer management information sent by the collection terminal and manages a customer database;
the discount information management module comprises a retrieval module for retrieving discount vouchers and an order information updating module for updating order information.
Wherein: the device for acquiring the payment account number of the customer comprises: the device comprises a non-contact card reader, a magnetic card reader, an IC card reader, a bar code reader, a two-dimensional code reader, a light wave receiver and a sound wave receiver.
Systems for communicating with account payment systems to effect account payments include bank card payment systems, non-bank account payment systems, and prepaid card payment systems.
The preferential information management module also comprises a bank card user preferential management module.
In the payment communication method, the payment terminal has various payment modes, and the background management system is used for managing the customer so as to meet the requirements of merchants.
How the invention can be implemented is further described below with reference to the following examples in conjunction with the accompanying drawings.
Drawings
FIG. 1 is a schematic diagram of a smart POS system capable of implementing multiple transaction settlements.
FIG. 2 is a logic diagram of a process for executing a diversified transaction settlement.
Fig. 3 is a flowchart of a payment method according to embodiment 1 of the present invention.
Fig. 4 is a flowchart of a payment method according to embodiment 2 of the present invention.
Fig. 5 is a block diagram of the system of the present invention.
In the attached drawing, 1 represents a central processing unit in an intelligent POS machine, 2 represents an intelligent management module, 2-1 represents a Unionpay card settlement submodule, 2-2 represents a third party settlement submodule, 2-3 represents a prepaid card settlement operator module, 2-4 represents a settlement data recording module, 2-5 represents a message editing module, 2-6 represents an authorized administrator deleting, adding and modifying module, 3 represents an intermediate storage module, and 4 represents a settlement message uploading module. 5 represents a cloud storage platform, 6 represents a data communication interface module, 7 represents a communication protocol module matched with each settlement mode, 8 represents a management module of a gating display screen, 8-1 represents a display position of a transaction list defined on the gating display screen, 8-2 represents a position of a transaction payment mode selection table defined on the gating display screen, 8-3 represents a display position prompted by an operation step of selecting the settlement mode defined on the gating display screen, 9 represents a keyboard module, 8-3 represents a settlement receipt output module defined on the gating display screen, 11 represents a settlement receipt information acquisition module, 11-1 represents a special interface of a Unionpay card, 11-2 represents a two-dimensional code intake interface, 11-3 cursor code identification interface, 11-i represents an IC chip card read-in interface, and 12 represents a message editing module, and 13 represents an intermediate memory module.
Detailed Description
How the implementation process of the method is completed is further described below with reference to the accompanying drawings and settlement processes in different settlement modes.
1) Consumer-selected Unionpay card settlement
The standard data format for analyzing, identifying and settling the account of the union pay card is completely stored in the storage unit of the system according to the standard communication protocol by using the communication and the message of the union pay card. The key information of the transaction payer can be obtained through the card swiping process of the consumer union pay card, and comprises an account opening bank, a payment card number, a collection merchant code and an account opening number. The method comprises the following steps:
firstly, when the system receives input transaction information, the transaction information is summarized and edited into a report form format according to an instruction sent by the intelligent management module (2), and a to-be-selected settlement mode list is displayed while the transaction report form is displayed on a display screen. The operator touches and gates the union pay card settlement mode.
Secondly, according to the operation prompt information normalized by the union pay card settlement mode displayed on the display screen, a settlement certificate is inserted into the special interface (11-1) of the union pay card, and the union pay card settlement submodule (2-1) is called into the memory to enter a ready-to-execute state.
Thirdly, entering a Unionpay card settlement submodule (2-1) to operate, connecting a data transmission channel between a cloud storage platform and an intermediate storage, and calling registration authentication data in a related Unionpay card settlement mode, support data in program operation and agreement data of a related channel of the transaction into temporary storage for later use;
starting the payment mode of the Unionpay card, calling the relevant data and editing the data into a payment request message under the Unionpay standard. And summarizing the authentication result, extracting the code of the settlement voucher, and simultaneously compiling the payment voucher code, the payment account code, the normalization confirmation result and the additional preferential agreement information of the transaction into a settlement request message by means of a communication link established with the clearing center.
Uploading a settlement request message: and transmitting the request settlement message formed in the step to a host computer of the clearing center, and waiting for feedback information of further affirmation and processing of the request settlement message.
Sixthly, processing the clearing message which is confirmed to be fed back into settlement information which meets the Unionpay standard and displaying the settlement information on a gating display screen, and prompting a consumer to confirm the transaction in a mode of inputting a Unionpay card key and uploading the transaction.
And seventhly, after the feedback information of 'successful transaction', extracting relevant information, printing a transaction certificate, and storing a transaction process record in a specified memory.
2) Method for selecting payment treasure in third party payment by consumer
Payment treasures are institutions and payment methods approved for approval by the national financial administration. The approved communication and settlement messages are executed according to the standard of the communication protocol. The development designer of the settlement system and the payment background management system already sign a docking protocol; the data is transmitted according to the standard protocol of the payment bank in communication, the terminal of the equipment initiates a transaction, and key information transaction amount, a payment bank account number or a code of a payee merchant are analyzed from a settlement message. After the user transaction is mutually confirmed, the Paibao system returns the transaction success information to the settlement management system according to the two-party agreement standard. All information and data maintaining the communication legality, safety and specification are stored in the cloud storage platform so as to be called and used in settlement of a large number of intelligent terminals. The consumer selects the method to implement settlement, and the steps are as follows:
firstly, when the system receives input transaction information, the transaction information is summarized and edited into a report form format according to an instruction sent by the intelligent management module (2), and a to-be-selected settlement mode list is displayed while the transaction report form is displayed on a display screen. The operator touches and gates the payment bank settlement submodule which is in the structure of the third-party settlement submodule (2-2) and is assisted by the two-dimensional code.
Setting a settlement voucher two-dimensional code image at a special payment bank interface (11-2) according to the standardized operation prompt information of the union pay card settlement mode displayed on a communication display screen, and adjusting a payment bank settlement sub-module of the two-dimensional code into an internal memory after the settlement is confirmed by a settlement sub-module (2-2) to enter a ready-to-execute state.
The payment and treasury settlement module of the two-dimensional code operates, a data transmission channel between the cloud storage platform and the intermediate storage is connected, and registration authentication data, support data in program operation and agreement data of a related channel of the transaction under the operation mode of the payment and treasury settlement module of the related two-dimensional code are called for temporary storage and standby;
starting a settlement mode of the two-dimension code payment settlement module, and calling related data to edit into a settlement request message in the mode. And summarizing the authentication result, extracting the code of the settlement certificate, simultaneously connecting a communication link established with the clearing center, and compiling the two-dimensional code of the payment certificate, the code of the payment account, the confirmation result of the normalization and the additional preferential protocol information of the transaction into a settlement request message.
Uploading a settlement request message: and transmitting the request settlement message formed in the step to a host computer of the clearing center, and waiting for feedback information of further affirmation and processing of the request settlement message.
And sixthly, processing the confirmation feedback clearing message into a two-dimensional code meeting the payment treasure standard, displaying the two-dimensional code on a gating display screen, and prompting a consumer to confirm the transaction in a mode of shooting the two-dimensional code by a mobile phone and uploading the two-dimensional code.
And seventhly, after the feedback information of successful transaction is received, extracting relevant information, printing a transaction certificate, storing a transaction process record in a specified memory, and finishing the transaction.
3) Consumer selecting prepaid card settlement mode
Prepaid card settlement is actually a mode of cash settlement. Modern retail businesses are increasingly using prepaid cards to form a deposit of mobile funds at the merchant, a simplification of the settlement process, and absolute security. More importantly, the benefits of the channel party can be directly bound through the prepaid card, and the enthusiasm of the channel party and the consumer is stimulated through direct and instant cashing, so that the sales volume of the merchant is increased. And is therefore popular with channels that are active in the commercial retail industry having a fixed customer base.
The consumer selects the method to implement settlement, and the steps are as follows:
firstly, when the system receives input transaction information, an instruction is sent to collect and edit the transaction information into a report form format, and a to-be-selected settlement mode list is displayed while the transaction report form is displayed on a display screen. The operator touches the gated prepaid card settlement operator module (2-3).
And secondly, normalizing operation prompt information according to a union pay card settlement mode displayed on a display screen, putting the prepaid card into a prepaid card special interface (11-3), and entering a ready-to-execute state after confirmation.
Thirdly, entering a prepaid card settlement operator module (2-3) to operate, connecting a data transmission channel of a cloud storage platform and an intermediate storage, and calling the registration authentication data of the prepaid card, the support data in program operation and the agreement data of the related channel of the transaction into temporary storage for later use;
starting up settlement mode of operator module of prepaid card, calling relevant data and editing into settlement list in the above mode. And summarizing the authentication result, extracting the code of the settlement voucher and compiling into a settlement list.
Displaying the settlement list on the general display screen directly.
Sixthly, confirming the transaction.
And extracting relevant information, printing a transaction certificate, storing a transaction process record in a specified memory, and finishing the transaction.
The payment management system comprises a series of money receiving terminals and a background management system, wherein the background management system is connected with the money receiving terminals rented at all merchants through a communication system in a wired or wireless communication mode to manage the money receiving actions of the money receiving terminals. At present, a background management system is generally connected with collection terminals rented at all merchants by means of the internet, in the payment management system in the embodiment, the collection terminals can also be rented to different merchants, each collection terminal is an independent collection terminal, collection is performed by different methods, if a payer uses a bank union pay card to pay, payment is performed by a bank union payment institution, if credit card payment is used, payment is performed by a payment flow of the credit card, if payment is performed by a payment method of a third party account such as a payment bank, payment is performed by a flow designated by the third party account, of course, cash payment can also be used in the payment process, cash is directly collected during cash payment, and partial payment can also be performed by preferential certificates.
The background management system comprises a communication system which is communicated with the collection terminal, a customer management module, an order information generation module, a preference information management module and a customer database. The order information generation module is connected with the communication system; and when receiving the collection amount sent by the collection terminal, obtaining the merchant number by using the collection terminal information obtained in the communication system to generate order information, wherein the order information at least comprises the collection amount and the merchant number. The customer management module is connected with the communication system, receives customer management information sent by the collection terminal and manages a customer database; after the money receiving terminal finishes a payment of a customer, the customer data is managed, the customer databases are various, in this embodiment, a relational database is used, and in the database, a bank card account or a non-bank account used by the customer is used as an ID for identifying the customer, so that all transaction records of the customer using the bank card account or the non-bank account are managed in a unified manner. The discount information management module comprises a retrieval module for retrieving discount vouchers, an order information updating module for updating order information and a bank card discount management module.
The payment process of each collection terminal is as follows:
1) the transaction amount is input on a collection terminal (a merchant terminal), the transaction amount and the merchant number are packaged into a json data packet at the collection terminal, and the json data packet is encrypted and then transmitted to a background management system in an HTTP mode.
The POS machine can also realize the step, the POS machine packages the transaction original amount, the merchant number and the merchant terminal number into json, encrypts the transaction original amount, the merchant number and the merchant terminal number through base64 and transmits the transaction original amount, the merchant number and the merchant terminal number to a background management system in an HTTP mode, and the background management system generates an order number according to the transmitted merchant number and a date factor and associates the amount with merchant information. The JSON data packet is used for easily expanding the data structure, and a better expansion environment is provided for integrated payment.
2) The background management system analyzes the JSON data packet received from the interface of the communication system and stores the JSON data packet in the server database, calls the order information generation module to generate new order information, adds the order number as an attribute to the original data packet and packages the new JSON into a new JSON, and returns the new JSON to the collection terminal through HTTP.
In the order information generation module, an order number is newly generated, the background management system associates the order number with the original amount, the merchant number and the merchant terminal, and adds the data into the JSON data packet as the return of HTTP request response.
3) The user with the preferential voucher can select the card voucher package to input the preferential voucher, the collection terminal can package the information into json encryption and transmit the json encryption to a background management system, and the server retrieves the preferential voucher, updates order information and returns the updated order information to the terminal in the json encryption mode. When updating, the transaction amount is modified, the new transaction amount is formed by subtracting the amount to be preferential by the rule used by the preferential voucher.
And associating the account number of the user, and automatically helping the user to settle when settlement is carried out. Therefore, the collection terminal and the discount voucher form a closed loop, the discount voucher issued by the merchant can be used immediately when settlement is carried out after the user receives the discount voucher, and data statistics is completed in a background management system.
At present, there are two types of coupon certificates, one is an electronic coupon, and the electronic coupon can be automatically identified through a bank card. The electronic voucher is a string of numbers which are generally printed on a card, such as a VIP card, so that a discount voucher feature acquisition device is arranged on the money collection terminal, the string of numbers are mainly read, if the discount voucher feature acquisition device is manually input, the discount voucher feature acquisition device is an input device such as a keyboard, if the VIP card is an NFC card, an adopted NFC card reader is the discount voucher feature acquisition device, if a two-dimensional code or a bar code is arranged on the card, the discount voucher feature acquisition device can also be read through a two-dimensional code or a bar code scanner on the money collection terminal, the discount voucher feature acquisition device is a bar friend or a two-dimensional code scanner, then the VIP card code is sent to a background management system, and the server redeems the discount voucher through retrieval.
4) After confirming the order, the user can select any payment mode integrated by the collection terminal system to pay.
The payment terminal of the embodiment integrates payment modes such as bank account payment, non-bank account payment and cash payment, and correspondingly, the payment terminal is provided with a non-contact card reader, a magnetic card reader, an IC card reader, a bar code reader, a two-dimensional code reader, a light wave receiver, a sound wave receiver and the like to acquire a bank account number, a non-bank account number and the like paid by a customer, and through the identification of the sticker, the payment can be carried out by using respective payment modes.
If the account number of the union pay card is read through the non-contact card reader, the transaction amount is transferred from the customer account number to the account number of the merchant through a flow established by the union pay and the like.
And similarly, if the account number of the credit card is read by the magnetic card reader and the IC card reader, the credit card payment is completed through the specified flow of the card issuer.
And for other non-bank accounts, the non-bank account number is obtained through the carrier of the account, and then payment is finished by utilizing the payment process of the identified third-party payment mechanism to which the non-bank account number is opposite, such as the process specified by a payment treasure. For example, when some consumers pay by using the payment treasures, the mobile phone payment treasures are adopted, the collection terminal of the merchant obtains the account number and authorization of the payment treasures from the client through the mobile phone communication with the client, and then the payment is completed through the payment process of the payment treasures.
The user selects the payment mode autonomously, and the type of the payment mode depends on the type supported by the merchant; the method depends on the opening of the authority of a management system of a background according to the owned payment list information returned by the merchant during login. In principle all payment methods can be selected at present.
5) After the payment is finished at the payment receiving terminal, the payment receiving terminal encapsulates the merchant information, the transaction information and the payment mode into a new data packet, and the new data packet is transmitted to a background management system in a json format and an HTTP mode.
At this time, the cash receiving terminal needs the merchant to log in, the merchant returns the number of the merchant, the terminal number information and the like according to the machine code after logging in, the transaction information is the function integrated on the terminal (card swiping is the return of POS hardware, third party payment is the return of a background management system), and the payment mode is a feasible payment mode integrally provided on the cash receiving terminal; once payment settlement is performed for the merchant corresponding to the terminal indicated by the merchant information, the received money flows to the associated account of the merchant. The merchant information includes a merchant number, a merchant name, and a merchant terminal number. The transaction information includes original amount, real amount, payment mode and payment state. The transaction information is a subset of the order information, the order information comprises all contents of the transaction information, and the transaction information also comprises information such as whether a discount voucher is used, a discount voucher number and a discount amount. The transaction information is information fed back to the POS terminal after any payment mode is completed, the order information is an order generated when the POS terminal initiates a transaction request to the server, and then updating is carried out according to the difference of the payment modes.
6) And the background management system updates the transaction orders of the database according to the transaction numbers after receiving the transaction settlement data sent by the terminal.
The database is arranged in a background management system, is a relational database and comprises a merchant information table, a merchant transaction information table and the like.
In a background management system, after the information of the commercial tenant is verified to be accurate, the information is directly stored in a transaction table of a database, and the content of the transaction order at that time only comprises an order number, an original amount, a commercial tenant number and a commercial tenant terminal number. The updating after transaction settlement is to update the transaction settlement information to a transaction order form, such as payment mode, actual amount, voucher number, card number, third party payment account number and payment date. Therefore, the settled order form can be inquired in the transaction report form of the collection system, and the report form can be automatically formed, so that the data analysis and management of the merchant can be more easily carried out; the background management system can manage all clients; the background management system has all transaction records, and information in a shift time period can be calculated and counted, returned to the terminal and printed out as a receipt.
Compared with the current POS machine collection system, the collection system of the embodiment has great advantages, for example, bank card payment can be carried out, and non-card payment such as payment of a third party account can also be carried out, so that the collection terminal of the collection system is provided with a bank card reader, other account acquisition devices such as a two-dimensional code or bar code recognition device and a communication interface device communicated with mobile terminals such as mobile phones, non-bank account numbers such as payment treasures of customers can be acquired from personal mobile terminals such as mobile phones, and authorization for obtaining payment from the third party payment posts is obtained through communication with the personal mobile terminals. In addition, compared with the current POS collection system, the collection system of this embodiment further includes a powerful background management system, where the background system effectively manages the client system, for example, manages some preferential schemes, for example, when payment is made, the client sees whether there is a preferential voucher, if there is a preferential voucher, after obtaining the preferential voucher, the background management system sends the number or the characteristic of the preferential voucher to the background management system, and searches the preferential voucher by using its search tool, and judges the preferential voucher by using its preferential module, and if the preferential voucher is true and valid, updates the order room by using its order update module, where the updated order mainly has the following characteristics compared with the original single-phase order: the collected amount is the amount after the benefit is obtained, and the mark that the benefit is obtained is added. And the receiving terminal receives the updated order for payment, at the moment, the receiving terminal judges what payment mode is adopted, and if the payment mode is cash or non-bank card payment, the receiving terminal directly receives the cash or completes the payment according to the non-bank card payment process. If the payment is made by the bank card, the collection terminal reads the bank card and then uses the order reading module to read the order, if the order does not enjoy the preferential (no preferential mark is on the order), the collection terminal uses the communication module with the background management system to send the bank card number to the background management system, in the latter management system, uses the preferential module to judge whether the bank card has the card ticket, that is, whether the bank card participates in what preferential scheme, if any preferential scheme is participated in, the preferential scheme is performed according to the preferential scheme, the order is updated by the order updating module and then sent to the collection terminal, the collection terminal completes the payment according to the updated order and the payment flow of the bank card, if the bank card client does not participate in any preferential scheme, the bank card or the client is processed, for example, add it to the next step in the preferential scheme, etc.
Claims (10)
1. The method for realizing the diversified settlement of the offline cash, which is based on the structure of a cash system, comprises a computer central processing unit (1) provided with an intelligent management module (2), wherein the system comprises a diversified settlement voucher information acquisition module (11), a settlement message uploading module (4), a selected cloud storage platform (5) and a data communication interface module (6), a communication protocol module (7) matched with a settlement mode, a message editing module (12) and a settlement mode execution path prompting module (13), a gating display screen management module (8), an operation keyboard module (9), an intermediate memory (3) and a settlement receipt output module (10), and is characterized in that the specific execution steps of the method comprise:
1) transaction information entry: starting a system host and inputting transaction information, arranging the transaction information into a transaction detail list comprising product specification details, unit price and transaction amount by virtue of an intelligent management module (2), displaying and dumping the transaction detail list into an intermediate memory (3) on a gating display screen, and providing a transaction mode selection by the intelligent management module (2);
2) and (4) gating a settlement mode: displaying settlement modes which can be compatible with the system on a gating display screen in a classified list, determining settlement mode selection by adopting touch gating, displaying the selected settlement modes on the gating display screen to prompt normalized operation information, and operating the system to enter a preparation state after the operation according to the prompt information;
3) and connecting a channel of the cloud storage platform to realize settlement mode preparation: establishing a communication link from a corresponding storage area in the cloud storage platform to a system intermediate storage (3) on the basis of the operation of the selected settlement mode, and randomly calling registration authentication data, support data in program operation and agreement data of a related channel of the transaction in the selected settlement mode;
4) starting the selected settlement mode, and editing into a settlement request message: selecting a sub-module corresponding to the selected settlement mode from the intelligent management module (2) to run, summarizing an authentication result, extracting a code of a settlement voucher and gating a communication link of the clearing center; the editing step comprises the extraction of payment voucher codes, the confirmation of payment account codes and normalization and the check of preferential protocol information, and a settlement request message is formed after the intelligent management module (2) edits the payment voucher codes and the normalization;
5) uploading a settlement request message: the intelligent management module (2) transmits the message of the settlement request to the host of the clearing center in a communication mode special for the system, and waits for the feedback information after further affirmation and processing of the message of the settlement request:
6) the consumer affirms the feedback information: the intelligent management module (2) processes the clearing message which is confirmed to be fed back into a final settlement list which is displayed on a gating display screen, prompts a consumer to input confirmation information in a settlement appointment mode of the transaction, and uploads the confirmation information;
7) printing and storing of clearing documents: after receiving the information of 'successful transaction' of the clearing center, the intelligent management module (2) extracts related information, prints a transaction certificate, stores a transaction process record in a designated memory and displays the transaction process record on a gating display screen;
8) the merchant cash-receiving terminal generates customer management information and sends the customer management information to the background management system, and the background management system updates the customer management database according to the customer management information; the customer management information at least adds customer personal information on the basis of order information; when the merchant cash receiving terminal generates customer management information, the customer adopting an account payment mode at least adds a payment account number of the customer into order information, and if the customer adopting cash payment has a discount voucher, at least adds the discount voucher number of the customer into transaction information.
2. The method for realizing diversified settlement of the offline cash register according to claim 1, wherein: the intelligent management module (2) structurally comprises a Unionpay card settlement submodule (2-1), a third party settlement submodule (2-2) and a prepaid card settlement operator module (2-3); a settlement data recording module (2-4); a message editing module (2-5); deletion, addition and modification modules (2-6) of an authorized administrator; and starting the corresponding module according to the settlement mode selected by the user or starting the corresponding settlement module after necessary modification.
3. The method for realizing diversified settlement of the offline cash register according to claim 1, wherein: the structure of the gating display screen management module (8) comprises a transaction information list submodule (8-1), a transaction payment mode selection table submodule (8-2) and a settlement mode selection operation step prompting submodule (8-3); the above information is displayed in a centralized partition mode on a display screen or displayed in a full screen mode in terms of items.
4. The method for realizing diversified settlement of the offline cash register according to claim 1, wherein: the settlement mode preparation in the step 3) comprises the steps of payment sub-mode confirmation, payment subset formation and two stages:
1) first stage payment channel configuration: configuring a payment channel under the selected clearing mode according to a standard data protocol;
analyzing the first-stage settlement information and the communication protocol under the current transaction mode, realizing the butt joint of the settlement information and the settlement mode, extracting the amount of the current transaction, the payment certificate code and the cash register code, and then packaging and encrypting the information into a message which meets the standard of the current transaction and the settlement mode and storing the message in an intermediate memory (3);
2) and a second stage of forming a settlement instruction subset:
and extracting a standard settlement message, adding a pass key including the IP address of the settlement terminal, editing and gathering the pass key into an execution instruction subset under the settlement mode, and storing the execution instruction subset in an intermediate memory (3).
5. The method for realizing diversified settlement of the offline cash register according to claim 2, wherein: the third party settlement submodule (2-2) comprises a payment treasure settlement sub-module taking the two-dimension code as a settlement voucher and a wing payment settlement sub-module for implementing settlement by means of the two-dimension code or NFC.
6. The method for realizing diversified settlement of the offline cash register according to claim 2, wherein: the prepaid card settlement operator module (2-3) comprises an execution instruction subset in the settlement mode, and when the prepaid card settlement operator module (2-3) is started and the registration card number is verified, the card issuing unit and the consumption record balance are started immediately after the consumption request is legal and valid.
7. The method for realizing diversified settlement of the offline cash register according to claim 2, wherein: the step of prompting the normalized settlement operation information on the gating display screen management module (8) comprises the following steps:
a. the payment credentials for the settlement model you choose are: union pay card, two-dimensional code, cursor code IC card, wing payment digital information, bar code information,
b. please inject "yes" in brackets behind the selected settlement voucher category, then enter "↙" command,
c. after confirming the transaction information, please input the settlement key according to the prompt.
8. The method for realizing diversified settlement of the offline cash register according to claim 1, wherein: when the code of the settlement voucher is extracted in the step 4), an information acquisition circuit interface matched with the settlement mode under the management of the settlement voucher information acquisition module (11) is firstly gated.
9. The method for realizing diversified settlement of the offline cash register according to claim 8, wherein: the information acquisition circuit interface under the management of settlement voucher information acquisition module (11) includes: the system comprises a Unionpay card special interface, a two-dimensional code intake interface, a cursor code identification interface, an IC card read-in interface, a wing payment digital information interface and a bar code information interface.
10. The method for realizing diversified settlement of the offline cash register according to claim 1, wherein: the structure of the deletion, addition and modification modules (2-6) of the authorized administrator comprises an identification submodule of the identity and the authority of the administrator.
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| PCT/CN2016/084661 WO2017012428A1 (en) | 2015-04-03 | 2016-06-03 | Offline diversified cashier clearing method, payment management method, and payment management system |
| TW105118081A TWI606408B (en) | 2015-04-03 | 2016-06-08 | Realize offline diversified settlement and payment management methods and payment management system |
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Also Published As
| Publication number | Publication date |
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| CN105023149A (en) | 2015-11-04 |
| TWI606408B (en) | 2017-11-21 |
| CN104732382A (en) | 2015-06-24 |
| TW201710970A (en) | 2017-03-16 |
| WO2017012428A1 (en) | 2017-01-26 |
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