CN105023368A - Non-cash transaction method, system, and non-cash payment and goods supply terminal - Google Patents
Non-cash transaction method, system, and non-cash payment and goods supply terminal Download PDFInfo
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- CN105023368A CN105023368A CN201410152079.XA CN201410152079A CN105023368A CN 105023368 A CN105023368 A CN 105023368A CN 201410152079 A CN201410152079 A CN 201410152079A CN 105023368 A CN105023368 A CN 105023368A
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Abstract
The invention discloses a non-cash transaction method, a system, and a non-cash payment and goods supply terminal, and relates to the terminal technical field; goods payment information can be used to obtain paid goods, thus expanding application field of the non-cash transaction mode; the method mainly comprises the following steps: obtaining user payment request information which comprises goods information of the to be paid goods and user information of the user; carrying out online payment according to the payment request information; generating payment confirm information according to preset rules if online payment successes; obtaining goods delivery information according to the payment confirm information; delivering the paid goods according to the goods delivery information. The method, system and terminal are mainly used in a non-cash transaction process.
Description
Technical field
The present invention relates to field of terminal technology, be specifically related to financial payment technical field, particularly relate to a kind of non-cash transaction method, system and cashless payment, supply of material terminal.
Background technology
Cashless payment refers to and carries out the mode of doing business of payment for goods clearance with other means of payment beyond cash, and cashless payment means comprise bill, credit card, electronic accounting etc.Along with the develop rapidly of Internet technology, non-cash electronic accounting mode is generally accepted by people, and its transactions velocity is fast, tranaction costs are cheap, gradually one of modes of payments becoming current main-stream.
Existing cashless payment mode is all mainly rely on Internet technology, its requirement provides the supplier of commodity and/or service must possess the ability of accessing Internet, the successful information of such payment just arrives supplier by network, thus makes supplier can provide suitable commodity and/or service for the user completing payment.
If provide the supplier of commodity and/or service not possess network savvy, then user just cannot utilize non-cash electronic payment mode to pay, and traditional approach (as cash or credit card) must be used to pay.
Summary of the invention
In view of this, the embodiment of the present invention provides a kind of non-cash transaction method, system and cashless payment, supply of material terminal, solves the technical matters that above background technology part is mentioned.
On the one hand, embodiments provide a kind of non-cash transaction method, the method comprises:
Obtain the payment request information of user, described payment request information comprises the merchandise news of commodity to be paid and the user profile of described user;
On-line payment is carried out according to described payment request information;
If described on-line payment success, then generate payment affirmation information according to pre-defined rule;
According to described payment affirmation information acquisition commodity delivery information;
Payment for merchandise is paid according to described commodity delivery information.
On the other hand, embodiments provide a kind of non-cash transaction system, this system comprises:
Pay acquisition request module, for obtaining the payment request information of user, described payment request information comprises the merchandise news of commodity to be paid and the user profile of described user;
On-line payment module, carries out on-line payment for the payment request information obtained according to described payment acquisition request module;
Confirmation generation module, for when described on-line payment is successful, generates payment affirmation information according to pre-defined rule;
Delivery information acquisition module, for the payment affirmation information acquisition commodity delivery information generated according to described confirmation generation module;
Commodity delivery module, pays payment for merchandise for the commodity delivery information obtained according to described delivery information acquisition module.
Another aspect, embodiments provide a kind of cashless payment terminal, this terminal comprises:
Pay acquisition request module, for obtaining the payment request information of user, described payment request information comprises the merchandise news of commodity to be paid and the user profile of described user;
On-line payment module, carries out on-line payment for the payment request information obtained according to described payment acquisition request module;
Confirmation generation module, for when described on-line payment is successful, generates payment affirmation information according to pre-defined rule.
Again on the one hand, the embodiment of the present invention additionally provides a kind of noncash supply of material terminal, and this terminal comprises:
Delivery information acquisition module, for according to payment affirmation information acquisition commodity delivery information;
Commodity delivery module, pays payment for merchandise for the commodity delivery information obtained according to described delivery information acquisition module;
Wherein, described payment affirmation information carries out on-line payment according to user's payment request information, and generate according to pre-defined rule when described on-line payment success.
A kind of non-cash transaction method that the embodiment of the present invention proposes, system and cashless payment, supply of material terminal, payment affirmation information is obtained by obtaining user's payment request information and carrying out on-line payment, then pay prepaid commodity according to commodity delivery information according to payment affirmation information acquisition commodity delivery information, thus complete non-cash trading function.Therefore, no matter the supplier of commodity whether accessing Internet, can utilize commodity delivery information to obtain the commodity of payment, thus extend the application of non-cash transaction mode.
Accompanying drawing explanation
By reading the detailed description done non-limiting example done with reference to the following drawings, other features, objects and advantages of the present invention will become more obvious:
Fig. 1 is the method flow diagram of a kind of non-cash transaction that the specific embodiment of the invention provides;
Fig. 2 is a kind of method flow diagram carrying out on-line payment according to payment request information that the specific embodiment of the invention provides;
Fig. 3 is another kind that the specific embodiment of the invention provides carries out on-line payment method flow diagram according to payment request information;
Fig. 4 be the specific embodiment of the invention provide another carry out the method flow diagram of on-line payment according to payment request information;
Fig. 5 is a kind of method flow diagram generating payment affirmation information according to pre-defined rule that the specific embodiment of the invention provides;
Fig. 6 is a kind of method flow diagram paying payment for merchandise according to commodity delivery information that the specific embodiment of the invention provides;
Fig. 7 is another kind that the specific embodiment of the invention provides pays payment for merchandise method flow diagram according to commodity delivery information;
Fig. 8 is the composition frame chart of a kind of non-cash transaction system that the specific embodiment of the invention provides;
Fig. 9 is the composition frame chart of a kind of on-line payment module that the specific embodiment of the invention provides;
Figure 10 is the composition frame chart of the another kind of on-line payment module that the specific embodiment of the invention provides;
Figure 11 is the composition frame chart of another on-line payment module that the specific embodiment of the invention provides;
Figure 12 is the composition frame chart of a kind of confirmation generation module that the specific embodiment of the invention provides;
Figure 13 is the composition frame chart of a kind of commodity delivery module that the specific embodiment of the invention provides;
Figure 14 is the composition frame chart of the another kind of commodity delivery module that the specific embodiment of the invention provides;
Figure 15 is the composition frame chart of a kind of cashless payment terminal that the specific embodiment of the invention provides;
Figure 16 is the composition frame chart of a kind of noncash supply of material terminal that the specific embodiment of the invention provides.
Embodiment
Below in conjunction with drawings and Examples, the present invention is described in further detail.Be understandable that, specific embodiment described herein is only for explaining the present invention, but not limitation of the invention.It also should be noted that, for convenience of description, illustrate only part related to the present invention in accompanying drawing but not full content.
The specific embodiment of the present invention provides a kind of concrete grammar of non-cash transaction, and as shown in Figure 1, the method, when performing, comprises the steps:
101, obtain the payment request information of user, described payment request information comprises the merchandise news of commodity to be paid and the user profile of described user.
Particularly, when obtaining the payment request information of user, first can obtain the identification information that user wants the commodity paid.Described identification information can carry out record by the form of one-dimension code, Quick Response Code or character string, described character string can comprise the combination in any of letter and number, when obtaining described identification information, described identification information can be obtained by the bar code scanning function identification of non-cash transaction system, also can receive the described identification information that user manually inputs.After the described identification information of acquisition, just can extract the merchandise news of commodity to be paid from described identification information, and then the user profile of described merchandise news and user itself is mated, thus obtain described payment request information.
Wherein, the merchandise news of above-mentioned commodity to be paid can comprise trade name, the information such as price and supplier's numbering of described commodity to be paid, it will be appreciated by those skilled in the art that described commodity both can be the services that concrete product also can be to provide, the service that can also be concrete product and match with product, as long as need user to carry out paying and could obtain, then can think the commodity described by the present embodiment.Above-mentioned user profile can comprise the local account title of user, individual essential information and the information relevant to the payment account of user, and described local account refers to the personal account that user has in non-cash transaction system.
102, on-line payment is carried out according to described payment request information.
Particularly, when carrying out on-line payment according to described payment request information, can determine according to the price of commodity to be paid the cost needing payment, then being paid the bill to the supplier of described commodity to be paid by the payment account of user by on-line payment system.
If 103 described on-line payment successes, then generate payment affirmation information according to pre-defined rule.
Wherein, described pre-defined rule can be the data genaration rule of artificial setting, such as, once above-mentioned on-line payment success, just can obtain a trigger pip and generate with triggering system the data message (as character string) that has certain sense, described data message just can as above-mentioned payment affirmation information.
104, according to described payment affirmation information acquisition commodity delivery information.
Particularly, when according to above-mentioned payment affirmation information acquisition commodity delivery information, both can directly using described payment affirmation information after Internet Transmission as commodity delivery information, also can by described payment affirmation information by obtaining commodity delivery information after the transmission of non-networked.
105, payment for merchandise is paid according to described commodity delivery information.
Particularly, pay according to commodity delivery information payment for merchandise time, according to described commodity delivery information, the supplier of commodity can judge that commodity pay and complete, thus described payment for merchandise is supplied to client.
A kind of non-cash transaction method that the present embodiment proposes, payment affirmation information is obtained by obtaining user's payment request information and carrying out on-line payment, then pay prepaid commodity according to commodity delivery information according to payment affirmation information acquisition commodity delivery information, thus complete non-cash trading function.Therefore, no matter the supplier of commodity whether accessing Internet, can utilize commodity delivery information to obtain the commodity of payment, thus extend the application of non-cash transaction mode.
Further, specific embodiments of the invention provide a kind of method of carrying out on-line payment according to payment request information, and as shown in Figure 2, the method comprises:
201, according to described user profile, the local account remaining sum of described user is obtained.
Wherein, local account refers to the personal account that user has in non-cash transaction system, and described local account remaining sum both can comprise idle money balance, also can comprise other remaining sums with currency attribute, such as integration etc.When obtaining the local account remaining sum of described user according to user profile, first the local account title of user can be obtained from described user profile, then obtain all information associated with local account according to local account title, also comprise described local account remaining sum.
202, according to described payment request information, on-line payment is carried out by described local account remaining sum.
Particularly, when carrying out on-line payment according to described payment request information, the price of commodity to be paid can be obtained from described payment request information, from described local account remaining sum, then deducting corresponding cost to the supplier of described commodity to be paid.When including the polytype payable remaining sum such as currency and integration in described local account remaining sum, one or more payable remaining sums can be selected to carry out on-line payment according to user instruction.
The present embodiment carries out on-line payment further by local account remaining sum, simplifies on-line payment flow process.
Further, specific embodiments of the invention provide another kind of method of carrying out on-line payment according to payment request information, and as shown in Figure 3, the method comprises:
301, according to described user profile, the Third-party payment account of described user is obtained.
Particularly, when obtaining the Third-party payment account of described user according to user profile, first can obtain the local account title of user from described user profile, then obtain all information associated with local account according to local account title, also comprise described Third-party payment account.
302, according to described payment request information, on-line payment is carried out by the Third-party payment account of described user.
Particularly, when carrying out on-line payment according to described payment request information, the price of commodity to be paid can be obtained from described payment request information, then can be paid the bill online by the Third-party payment account of user, to pay corresponding cost to the supplier of above-mentioned commodity to be paid, wherein, described Third-party payment account can be the user account in the on-line payment system (as Alipay) that provides of other Virtual network operators.
The present embodiment directly can carry out on-line payment by Third-party payment account further, simplifies local account function, and what reduce above-mentioned non-cash transaction method realizes difficulty.
Further, specific embodiments of the invention provide another carries out on-line payment method according to payment request information, and as shown in Figure 4, the method comprises:
401, according to described user profile, the local account remaining sum of described user is obtained.
402, according to described payment request information, on-line payment is carried out by described local account remaining sum.
If Sorry, your ticket has not enough value for 403 described local accounts, then carry out on-line payment by the Third-party payment account of described user.
Particularly, at above-mentioned local account, Sorry, your ticket has not enough value, during financial insolvency entire service cost, the Third-party payment account that can also jump to user by local account carries out on-line payment, wherein, described Third-party payment account comprises bank's on-line payment account of user, or the user account in the on-line payment system that other Virtual network operators provide (as Alipay).
The present embodiment carries out on-line payment further by local account remaining sum and Third-party payment account, improves the success ratio of on-line payment.
Further, specific embodiments of the invention provide a kind of concrete grammar generating payment affirmation information according to pre-defined rule, and as shown in Figure 5, the method comprises:
If 501 described on-line payment successes, then obtain payment and complete information.
Particularly, no matter on-line payment is completed by the local account remaining sum of user, or jointly completed by local account remaining sum and Third-party payment account, as long as pay whole costs of above-mentioned product to be paid, just can obtain above-mentioned payment and complete information, wherein, described payment completes information and can comprise the information such as the amount of money of payment, the time completing payment, Send only Account, shroff account number.
Preferably, if on-line payment failure, namely do not complete the payment of whole cost, can also export and pay failed information, pay not success to point out user.
502, described merchandise news and/or described payment are completed information to process according to described pre-defined rule, obtain described payment affirmation information.
Wherein, above-mentioned pre-defined rule just refers to certain data processing rule, when the information that above-mentioned merchandise news and above-mentioned payment completed processes according to pre-defined rule, the information such as supplier's numbering, trade name and the price that described merchandise news can be comprised, to complete in the information such as Payment Amount, payment time, Send only Account, shroff account number that information comprises one or more carries out data assemblies process according to described pre-defined rule with described payment, finally obtain a data message and above-mentioned payment affirmation information.
Preferably, described payment affirmation information can carry out record by the form of one-dimension code, Quick Response Code or character string, and described character string can comprise the combination in any of letter and number.
In a preferred implementation of the present embodiment, describedly generate payment affirmation information according to pre-defined rule and also comprise: described payment affirmation information is supplied to user.
Wherein, above-mentioned payment affirmation information can pass through one-dimension code, Quick Response Code, also can be the character string obtained by letter and number combination in any, when described payment affirmation information is supplied to user, described payment affirmation information can be shown on the display screen check for user, when described payment affirmation information is character string, by voice device, bright the reading out of described payment affirmation information can also be listened to user, or described payment affirmation information can also be provided to user by showing and reading aloud the mode combined.
It will be understood by those skilled in the art that no matter be by image, sound or other modes, as long as above-mentioned payment affirmation information can be supplied to user, just all in protection scope of the present invention.
Describedly to comprise according to described payment affirmation information acquisition commodity delivery information: the payment affirmation information receiving input, as commodity delivery information.
Particularly, when receiving the payment affirmation information of input, if described payment affirmation information is character string, then the payment affirmation information that manually can be inputted by input through keyboard module receives user, and using the payment affirmation information of input as commodity delivery information; If described payment affirmation information shows with the form of one-dimension code or Quick Response Code, then can carry out barcode scanning by scan module and obtain commodity delivery information.It should be noted that, because user manually inputs the reasons such as error, may there is not quite identical situation in the commodity delivery information obtained and the payment affirmation information of the above-mentioned user of being supplied to.
This preferred implementation manually inputs further by user or the mode of barcode scanning obtains commodity delivery information, as long as make supplier possess input through keyboard module or scan module just can obtain commodity delivery information, reduce further the equipment configratioin requirement to supplier, extend the usable range of non-cash transaction method.
Further, specific embodiments of the invention provide a kind of method of paying payment for merchandise according to commodity delivery information, and as shown in Figure 6, the method comprises:
601, according to described pre-defined rule, judge that whether described commodity delivery information is effective.
Wherein, can to be above-mentioned payment affirmation information obtain above-mentioned commodity delivery information after the transmission of network or non-networked, therefore, when judging that whether described commodity delivery information is effective, the pre-defined rule during generation of described payment affirmation information can be utilized to judge.
Particularly, after the above-mentioned commodity delivery information of acquisition, can generation according to described payment affirmation information time pre-defined rule Data Division process is carried out to described commodity delivery information, wherein, described Data Division process is the inverse disposal route of aforementioned data combined treatment.After described commodity delivery information is carried out Data Division process, what can obtain in the information such as supplier's numbering, trade name, price, Payment Amount, payment time, Send only Account, shroff account number is one or more, then by judging that the characteristic rule whether these information obtained meet information itself concludes that whether described commodity delivery information is effective.Such as, for delivery time information, its should meet year-month-day-time-point-second tactic data rule, and the numerical value of each should in particular range, as being the integer in " 1 ~ 12 " on the position of " moon ", therefore, if do not meet above-mentioned data rule through the delivery time information that Data Division process obtains, or beyond particular range on a certain position, as being " 8.5 " on the position of " moon ", so just can think that the delivery time is the characteristic rule not meeting time data, therefore also can judge that described commodity delivery information is invalid.Otherwise, if all information obtained after carrying out Data Division process according to described raw pre-defined rule to described commodity delivery information all meet respective characteristic rule, so just can think that described commodity delivery information is effective.
If 602 described commodity delivery informations are effective, then pay payment for merchandise according to described commodity delivery information.
Particularly, when judging that described commodity delivery information is effective, can assert that current commodity delivery information is operable, above-mentioned payment for merchandise can be supplied to client according to described commodity delivery information by the supplier of commodity.
If 603 described commodity delivery informations are invalid, then export the illegal information of transaction.
Particularly, when judging that described commodity delivery information is invalid, can assert that current commodity delivery information is non-serviceable, therefore can not provide commodity for user, and the illegal information of transaction can be exported by modes such as image, word and/or sound.
The present embodiment judges the validity of commodity delivery information further by the pre-defined rule generating payment affirmation information, only in the effective situation of the described commodity delivery information of checking, just provide commodity, thus the safety and reliability of non-cash transaction method can be improved.
Further, specific embodiments of the invention provide another kind of method of paying payment for merchandise according to commodity delivery information, and as shown in Figure 7, the method comprises:
701, according to described pre-defined rule, judge that whether described commodity delivery information is effective.
If 702 described commodity delivery informations are invalid, then export the illegal information of transaction.
If 703 described commodity delivery informations are effective, then judge whether there is described commodity delivery information in information memory cell, wherein, described information memory cell is used for the commodity delivery information that store transaction is crossed.
When judging that described commodity delivery information is effective, can judge whether there is described commodity delivery information in information memory cell further.Particularly, when judging whether there is described commodity delivery information in information memory cell, the current commodity delivery information obtained can be compared one by one with all commodity delivery informations stored in described information memory cell, if find on all four commodity delivery information, then think there is described commodity delivery information in information memory cell, otherwise then do not exist.
If there is not described commodity delivery information in 704 described information memory cells, then pay payment for merchandise according to described commodity delivery information, and described commodity delivery information is saved in described information memory cell.
Particularly, when there is not above-mentioned commodity delivery information in described information memory cell, can think that described commodity delivery information was not concluded the business, corresponding commodity can be consigned to user to complete transaction.Meanwhile, also need described commodity delivery information to be saved in described information memory cell, thus prevent the commodity delivery information of concluding the business from again being utilized.
If there is described commodity delivery information in 705 described information memory cells, then export the information of having concluded the business.
Particularly, when there is above-mentioned commodity delivery information in described information memory cell, can think that described commodity delivery information was concluded the business, therefore can not provide commodity for user, and the information of having concluded the business can be exported by modes such as image, word and/or sound.
The present embodiment is further by judging that whether having there is commodity delivery information in information memory cell pays, confirm whether described commodity delivery information concluded the business, only just provide commodity when described commodity delivery information is not concluded the business, overcome the defect of same commodity delivery information repeat business, thus further increase the reliability of non-cash transaction method.
Further, as shown in Figure 7, the method for paying payment for merchandise according to commodity delivery information also comprises:
706, the commodity delivery information in described information memory cell is regularly removed.
Particularly, when the commodity delivery information in described information memory cell is regularly removed, the time limit can be removed for all commodity delivery informations are arranged, as three months or 1 year, once the acquisition time of described commodity delivery information arrives the described removing time limit, just automatically remove corresponding commodity delivery information.Thus while guaranteeing effectively to judge whether commodity delivery information concludes the business, reduce the redundant data amount in information memory cell.
The specific embodiment of the present invention provides a kind of non-cash transaction system, and as shown in Figure 8, this system comprises: pay acquisition request module 81, on-line payment module 82, confirmation generation module 83, delivery information acquisition module 84 and commodity delivery module 85.
Pay acquisition request module 81, for obtaining the payment request information of user, described payment request information comprises the merchandise news of commodity to be paid and the user profile of described user.
On-line payment module 82, carries out on-line payment for the payment request information obtained according to described payment acquisition request module 81.
Confirmation generation module 83, for when the on-line payment that described on-line payment module 82 is carried out is successful, generates payment affirmation information according to pre-defined rule.
Delivery information acquisition module 84, for the payment affirmation information acquisition commodity delivery information generated according to described confirmation generation module 83.
Commodity delivery module 85, pays payment for merchandise for the commodity delivery information obtained according to described delivery information acquisition module 84.
Further, as shown in Figure 9, on-line payment module 82 comprises: local account acquiring unit 821 and local payment unit 822.
Local account acquiring unit 821, for according to described user profile, obtains the local account remaining sum of described user.
Local payment unit 822, for according to described payment request information, carries out on-line payment by the local account remaining sum of described local account acquiring unit 821 acquisition.
Further, as shown in Figure 10, on-line payment module 82 comprises: third party's account acquiring unit 823 and Third-party payment unit 824.
Third party's account acquiring unit 823, for according to described user profile, obtains the Third-party payment account of described user.
Third-party payment unit 824, for according to described payment request information, carries out on-line payment by the Third-party payment account of the user of described third party's account acquiring unit 823 acquisition.
Further, as shown in figure 11, on-line payment module 82 comprises: remaining sum account acquiring unit 825, local payment unit 822 and third party supplement payment unit 826.
Account acquiring unit 825, for according to described user profile, obtains local account remaining sum and the Third-party payment account of described user.
Local payment unit 822, for according to described payment request information, carries out on-line payment by the local account remaining sum of described account acquiring unit 825 acquisition.
Third party supplements payment unit 826, and for when Sorry, your ticket has not enough value for described local account, the Third-party payment account of the user obtained by described account acquiring unit 825 carries out on-line payment.
Further, as shown in figure 12, above-mentioned confirmation generation module 83 comprises: complete information acquisition unit 831 and confirmation generation unit 832.
Complete information acquisition unit 831, for when described on-line payment is successful, obtains payment and complete information.
Confirmation generation unit 832, for by described merchandise news with describedly complete payment that information acquisition unit 831 obtains and complete information and process according to described pre-defined rule, obtains described payment affirmation information.
Preferably, described confirmation generation module 83 also comprises:
Confirmation providing unit, is supplied to user for the payment affirmation information generated by described confirmation generation unit 832.
Described delivery information acquisition module 84 comprises:
Confirmation receiving element, for receiving the payment affirmation information of input, as commodity delivery information.
Further, as shown in figure 13, above-mentioned commodity delivery module 85 comprises: delivery information judging unit 851, effectively payment unit 852 and illegal Tip element 853.
Delivery information judging unit 851, for according to described pre-defined rule, judges that whether described commodity delivery information is effective.
Effective payment unit 852, for when described delivery information judging unit 851 judges that commodity delivery information is effective, pays payment for merchandise according to described commodity delivery information.
Illegal Tip element 853, for when described delivery information judging unit 851 judges that commodity delivery information is invalid, exports the information that transaction is illegal.
Further, as shown in figure 14, above-mentioned commodity delivery module 85 comprises: delivery information judging unit 851, illegal Tip element 853, information store judging unit 854, store and pay unit 855 and transaction Tip element 856.
Delivery information judging unit 851, for according to described pre-defined rule, judges that whether described commodity delivery information is effective.
Illegal Tip element 853, for when described delivery information judging unit 851 judges that commodity delivery information is invalid, exports the information that transaction is illegal.
Information stores judging unit 854, for when described delivery information judging unit 851 judges that commodity delivery information is effective, judge whether there is described commodity delivery information in information memory cell, wherein, described information memory cell is used for the commodity delivery information that store transaction is crossed.
Store and pay unit 855, for when described information storage judging unit 854 judges there is not described commodity delivery information in information memory cell, then pay payment for merchandise according to described commodity delivery information, and described commodity delivery information is saved in described information memory cell.
Transaction Tip element 856, for when described information storage judging unit 854 judges to there is described commodity delivery information in information memory cell, exports the information of having concluded the business.
Further, as shown in figure 14, above-mentioned commodity delivery module 85 also comprises:
Erasing of information unit 857, for regularly removing the commodity delivery information in described information memory cell.
The specific embodiment of the present invention provides a kind of cashless payment terminal, and as shown in figure 15, this terminal comprises: pay acquisition request module 91, on-line payment module 92 and confirmation generation module 93.
Pay acquisition request module 91, for obtaining the payment request information of user, described payment request information comprises the merchandise news of commodity to be paid and the user profile of described user.
On-line payment module 92, for carrying out on-line payment according to the payment request information paying the acquisition of acquisition request module 91.
Confirmation generation module 93, for when the on-line payment that on-line payment module 92 is carried out is successful, generates payment affirmation information according to pre-defined rule.
Preferably, confirmation generation module 93 comprises: complete information acquisition unit 931 and confirmation generation unit 932.
Complete information acquisition unit 931, for when described on-line payment is successful, obtains payment and complete information.
Confirmation generation unit 932, for by described merchandise news and/or complete payment that information acquisition unit 931 obtains and complete information and process according to described pre-defined rule, obtains described payment affirmation information.
The specific embodiment of the present invention provides a kind of noncash supply of material terminal, and as shown in figure 16, this terminal comprises: delivery information acquisition module 94 and commodity delivery module 95.
Delivery information acquisition module 94, for according to payment affirmation information acquisition commodity delivery information.
Commodity delivery module 95, pays payment for merchandise for the commodity delivery information obtained according to delivery information acquisition module 94.
Wherein, described payment affirmation information carries out on-line payment according to user's payment request information, and generate according to pre-defined rule when described on-line payment success.
Preferably, described commodity delivery module 95 comprises: delivery information judging unit 951, effectively payment unit 952 and illegal Tip element 953.
Delivery information judging unit 951, for according to described pre-defined rule, judges that whether described commodity delivery information is effective.
Effective payment unit 952, for when delivery information judging unit 951 judges that commodity delivery information is effective, pays payment for merchandise according to described commodity delivery information.
Illegal Tip element 953, for when delivery information judging unit 951 judges that commodity delivery information is invalid, exports the information that transaction is illegal.
One of ordinary skill in the art will appreciate that, many aspects of the present invention can adopt a kind of method, completely hardware embodiment, completely software implementation, or the form of the embodiment engaged software and hardware aspect.
In addition, the present invention can take the form of computer-readable recording medium, and described storage medium can adopt many forms, comprises non-volatile media and Volatile media, but is not limited thereto.Such as, non-volatile media comprises ROM/RAM, disk, CD etc.Volatile media comprises dynamic storage etc.All or part of step in the method related in the embodiment of the present invention can carry out by the program be carried in this computer-readable recording medium the hardware that instruction is correlated with to have come.
Therefore, in certain embodiments, the invention provides a kind of computer-readable recording medium, it stores computer program to perform following steps: the payment request information obtaining user, and described payment request information comprises the merchandise news of commodity to be paid and the user profile of described user; On-line payment is carried out according to described payment request information; If described on-line payment success, then generate payment affirmation information according to pre-defined rule; According to described payment affirmation information acquisition commodity delivery information; Payment for merchandise is paid according to described commodity delivery information.
It is also to be understood that this program can be implemented with the language of any expectation, and may be embodied as (such as C, C++, Java etc.) such as machine code, assembly code, binary code, soluble source codes.
The above; be only the specific embodiment of the present invention, but protection scope of the present invention is not limited thereto, is anyly familiar with those skilled in the art in the technical scope that the present invention discloses; change can be expected easily or replace, all should be encompassed within protection scope of the present invention.Therefore, protection scope of the present invention should described be as the criterion with the protection domain of claim.
Claims (24)
1. a non-cash transaction method, is characterized in that, described method comprises:
Obtain the payment request information of user, described payment request information comprises the merchandise news of commodity to be paid and the user profile of described user;
On-line payment is carried out according to described payment request information;
If described on-line payment success, then generate payment affirmation information according to pre-defined rule;
According to described payment affirmation information acquisition commodity delivery information;
Payment for merchandise is paid according to described commodity delivery information.
2. non-cash transaction method according to claim 1, is characterized in that, describedly carries out on-line payment according to described payment request information:
According to described user profile, obtain the local account remaining sum of described user;
According to described payment request information, carry out on-line payment by described local account remaining sum.
3. non-cash transaction method according to claim 1, is characterized in that, describedly carries out on-line payment according to described payment request information and comprises:
According to described user profile, obtain the Third-party payment account of described user;
According to described payment request information, carry out on-line payment by the Third-party payment account of described user.
4. non-cash transaction method according to claim 1, is characterized in that, describedly carries out on-line payment according to described payment request information and comprises:
According to described user profile, obtain local account remaining sum and the Third-party payment account of described user;
According to described payment request information, carry out on-line payment by described local account remaining sum;
If Sorry, your ticket has not enough value for described local account, then carry out on-line payment by the Third-party payment account of described user.
5. the non-cash transaction method according to any one of claim 1-4, is characterized in that, if described on-line payment success, then generates payment affirmation information according to pre-defined rule and comprises:
If described on-line payment success, then obtain payment and complete information;
Described merchandise news and/or described payment are completed information process according to described pre-defined rule, obtain described payment affirmation information.
6. non-cash transaction method according to claim 5, is characterized in that, the display format of described payment affirmation information comprises one-dimension code, Quick Response Code or character string.
7. non-cash transaction method according to claim 6, is characterized in that, describedly generates payment affirmation information according to pre-defined rule and also comprises:
Described payment affirmation information is supplied to user;
Describedly to comprise according to described payment affirmation information acquisition commodity delivery information:
Receive the payment affirmation information of input, as commodity delivery information.
8. non-cash transaction method according to claim 7, is characterized in that, describedly pays payment for merchandise according to described commodity delivery information and comprises:
According to described pre-defined rule, judge that whether described commodity delivery information is effective;
If described commodity delivery information is effective, then pay payment for merchandise according to described commodity delivery information;
If described commodity delivery information is invalid, then export the illegal information of transaction.
9. non-cash transaction method according to claim 7, is characterized in that, describedly pays payment for merchandise according to described commodity delivery information and comprises:
According to described pre-defined rule, judge that whether described commodity delivery information is effective;
If described commodity delivery information is invalid, then export the illegal information of transaction;
If described commodity delivery information is effective, then judge whether there is described commodity delivery information in information memory cell, wherein, described information memory cell is used for the commodity delivery information that store transaction is crossed;
If there is not described commodity delivery information in described information memory cell, then pay payment for merchandise according to described commodity delivery information, and described commodity delivery information is saved in described information memory cell;
If there is described commodity delivery information in described information memory cell, then export the information of having concluded the business.
10. non-cash transaction method according to claim 9, is characterized in that, described method also comprises:
Commodity delivery information in described information memory cell is regularly removed.
11. 1 kinds of non-cash transaction systems, is characterized in that, described system comprises:
Pay acquisition request module, for obtaining the payment request information of user, described payment request information comprises the merchandise news of commodity to be paid and the user profile of described user;
On-line payment module, carries out on-line payment for the payment request information obtained according to described payment acquisition request module;
Confirmation generation module, for when described on-line payment is successful, generates payment affirmation information according to pre-defined rule;
Delivery information acquisition module, for the payment affirmation information acquisition commodity delivery information generated according to described confirmation generation module;
Commodity delivery module, pays payment for merchandise for the commodity delivery information obtained according to described delivery information acquisition module.
12. non-cash transaction systems according to claim 11, is characterized in that, described on-line payment module comprises:
Local account acquiring unit, for according to described user profile, obtains the local account remaining sum of described user;
Local payment unit, for according to described payment request information, carries out on-line payment by the local account remaining sum of described local account acquiring unit acquisition.
13. non-cash transaction systems according to claim 11, is characterized in that, described on-line payment module comprises:
Third party's account acquiring unit, for according to described user profile, obtains the Third-party payment account of described user;
Third-party payment unit, for according to described payment request information, carries out on-line payment by the Third-party payment account of the user of described third party's account acquiring unit acquisition.
14. non-cash transaction systems according to claim 11, is characterized in that, described on-line payment module comprises:
Remaining sum account acquiring unit, for according to described user profile, obtains local account remaining sum and the Third-party payment account of described user;
Local payment unit, for according to described payment request information, carries out on-line payment by the local account remaining sum of described remaining sum account acquiring unit acquisition;
Third party supplements payment unit, and for when Sorry, your ticket has not enough value for described local account, the Third-party payment account of the user obtained by described remaining sum account acquiring unit carries out on-line payment.
15. non-cash transaction systems according to any one of claim 11-14, it is characterized in that, described confirmation generation module comprises:
Complete information acquisition unit, for when described on-line payment is successful, obtains payment and complete information;
Confirmation generation unit, for by described merchandise news and/or described in complete payment that information acquisition unit obtains and complete information and process according to described pre-defined rule, obtain described payment affirmation information.
16. non-cash transaction systems according to claim 15, is characterized in that, the display format of described payment affirmation information comprises one-dimension code, Quick Response Code or character string.
17. non-cash transaction systems according to claim 16, is characterized in that, described confirmation generation module also comprises:
Confirmation providing unit, is supplied to user for the payment affirmation information generated by described confirmation generation unit;
Described delivery information acquisition module comprises:
Confirmation receiving element, for receiving the payment affirmation information of input, as commodity delivery information.
18. non-cash transaction systems according to claim 17, is characterized in that, described commodity delivery module comprises:
Delivery information judging unit, for according to described pre-defined rule, judges that whether described commodity delivery information is effective;
Effective payment unit, for when described delivery information judging unit judges that commodity delivery information is effective, pays payment for merchandise according to described commodity delivery information;
Illegal Tip element, for when described delivery information judging unit judges that commodity delivery information is invalid, exports the information that transaction is illegal.
19. non-cash transaction systems according to claim 17, is characterized in that, described commodity delivery module comprises:
Delivery information judging unit, for according to described pre-defined rule, judges that whether described commodity delivery information is effective;
Illegal Tip element, for when described delivery information judging unit judges that commodity delivery information is invalid, exports the information that transaction is illegal;
Information stores judging unit, for when described delivery information judging unit judges that commodity delivery information is effective, judge whether there is described commodity delivery information in information memory cell, wherein, described information memory cell is used for the commodity delivery information that store transaction is crossed;
Store and pay unit, for when described information storage judging unit judges there is not described commodity delivery information in information memory cell, then pay payment for merchandise according to described commodity delivery information, and described commodity delivery information is saved in described information memory cell;
Transaction Tip element, for when described information storage judging unit judges to there is described commodity delivery information in information memory cell, exports the information of having concluded the business.
20. non-cash transaction systems according to claim 19, is characterized in that, described commodity delivery module also comprises:
Erasing of information unit, for regularly removing the commodity delivery information in described information memory cell.
21. 1 kinds of cashless payment terminals, is characterized in that, described terminal comprises:
Pay acquisition request module, for obtaining the payment request information of user, described payment request information comprises the merchandise news of commodity to be paid and the user profile of described user;
On-line payment module, carries out on-line payment for the payment request information obtained according to described payment acquisition request module;
Confirmation generation module, for when described on-line payment is successful, generates payment affirmation information according to pre-defined rule.
22. cash payment terminal according to claim 21, is characterized in that, described confirmation generation module comprises:
Complete information acquisition unit, for when described on-line payment is successful, obtains payment and complete information;
Confirmation generation unit, for by described merchandise news and/or described in complete payment that information acquisition unit obtains and complete information and process according to described pre-defined rule, obtain described payment affirmation information.
23. 1 kinds of noncash supply of material terminals, it is characterized in that, described terminal comprises:
Delivery information acquisition module, for according to payment affirmation information acquisition commodity delivery information;
Commodity delivery module, pays payment for merchandise for the commodity delivery information obtained according to described delivery information acquisition module;
Wherein, described payment affirmation information carries out on-line payment according to user's payment request information, and generate according to pre-defined rule when described on-line payment success.
24. cash payment terminal according to claim 23, is characterized in that, described commodity delivery module comprises:
Delivery information judging unit, for according to described pre-defined rule, judges that whether described commodity delivery information is effective;
Effective payment unit, for when described delivery information judging unit judges that commodity delivery information is effective, pays payment for merchandise according to described commodity delivery information;
Illegal Tip element, for when described delivery information judging unit judges that commodity delivery information is invalid, exports the information that transaction is illegal.
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| CN201410152079.XA CN105023368A (en) | 2014-04-16 | 2014-04-16 | Non-cash transaction method, system, and non-cash payment and goods supply terminal |
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| CN201410152079.XA CN105023368A (en) | 2014-04-16 | 2014-04-16 | Non-cash transaction method, system, and non-cash payment and goods supply terminal |
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Application publication date: 20151104 |