CN105260923A - On-line transaction method and system - Google Patents
On-line transaction method and system Download PDFInfo
- Publication number
- CN105260923A CN105260923A CN201510676877.7A CN201510676877A CN105260923A CN 105260923 A CN105260923 A CN 105260923A CN 201510676877 A CN201510676877 A CN 201510676877A CN 105260923 A CN105260923 A CN 105260923A
- Authority
- CN
- China
- Prior art keywords
- user terminal
- terminal
- user
- merchant terminal
- goods
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
Landscapes
- Management, Administration, Business Operations System, And Electronic Commerce (AREA)
Abstract
The embodiment of the invention provides an on-line transaction method and system, simplifying on-line transaction procedure examination and approval in the prior art, and reducing security requirements. The method comprises: a subscriber terminal controlling the E-wallet integrated in the subscriber terminal to send digital eryptocurrency to the identification address of goods to be sold presorted in a merchant terminal, and the E-wallet integrated in the merchant terminal receiving the digital eryptocurrency; the merchant terminal determining the goods to be sold corresponding to the identification address, the subscriber terminal sending the digital eryptocurrency, and the subscriber shipping address corresponding to the subscriber terminal; and the merchant terminal sending the control instruction of sending the goods to be sold to the subscriber shipping address. The on-line transaction method and system are convenient to operate, are safe and reliable, and meet actual demands.
Description
Technical field
The present invention relates to technology of Internet of things field, in particular to the online transaction method and system based on Internet of Things.
Background technology
We are in life, often can relate to the frequent articles for use buying some routines, such as daily necessaries, the supplementing with money of the telephone expenses electricity charge.Comparatively frequent needed for these articles for use, if buy voluntarily by user at every turn, user's more time can be spent, thus, select to pay based on Internet of Things to buy these articles for use, greatly can improve Consumer's Experience.
Inventor finds after deliberation, existing based on Internet of Things pay transaction system, businessman's policy access threshold is higher, need supplement with money in the website of businessman maybe need by merchant web site supplement interface with money and bank links up with, formality is examined and is check-ined comparatively loaded down with trivial details, very unfavorable for medium and small businessman.Higher to the security requirement paid, therefore technical threshold is higher, and small and medium supermarket can not independently be built a station.
Summary of the invention
In view of this, the object of the embodiment of the present invention is to provide a kind of online transaction method and system, to improve online transaction formality examination & approval and comparatively loaded down with trivial details, that security requirement the is higher problem that check-ins in prior art.
To achieve these goals, the technical solution used in the present invention is as follows:
First aspect, embodiments provides a kind of online transaction method, is applied to the multiple terminals being integrated with stored value card respectively, and described multiple terminal comprises user terminal and merchant terminal, and described method comprises:
Stored value card integrated in described merchant terminal receives the digital encryption currency that described user terminal controls the identification address transmission of the goods for sale that stored value card integrated in described user terminal prestores in described merchant terminal, each described user terminal is a corresponding identification address respectively, the identification address of each goods for sale prestored in the merchant terminal associated with described user terminal is prestored in described user terminal, the identification address corresponding respectively with each goods for sale is prestored in each described merchant terminal, and with the identification address of the user terminal that described merchant terminal associates and corresponding user's ship-to,
Described merchant terminal judges the goods for sale showing that described identification address is corresponding and the user terminal sending described digital encryption currency, and user's ship-to that described user terminal is corresponding;
Described merchant terminal sends the steering order described goods for sale being sent to described user's ship-to place.
In conjunction with first aspect, embodiments provide the first possible embodiment of first aspect, wherein, the described identification address that each described user terminal is corresponding is respectively the wallet address of stored value card integrated in described user terminal; The identification address that each goods for sale prestored in each described merchant terminal is corresponding is respectively the sub-wallet address corresponding respectively with each described goods for sale prestored in stored value card integrated in described merchant terminal.
In conjunction with first aspect, embodiments provide the embodiment that the second of first aspect is possible, wherein, after described merchant terminal sends the steering order described goods for sale being sent to described user's ship-to place, described method also comprises:
Described merchant terminal controls the digital encryption currency that stored value card integrated in described merchant terminal stored value card integrated in described user terminal sends predetermined number, shipped to point out.
In conjunction with first aspect, or first aspect the first, the possible embodiment of the second, embodiments provide the third possible embodiment of first aspect, wherein, described method also comprises:
Described merchant terminal receives reimbursement instruction;
According to described reimbursement instruction, control stored value card integrated in described merchant terminal described digital encryption currency is sent it back to send in stored value card integrated in the described user terminal of described digital encryption currency, send the steering order cancelled and described goods for sale is sent to described user's ship-to place.
In conjunction with the third possible embodiment of first aspect, embodiments provide the 4th kind of possible embodiment of first aspect, wherein, relation correspondence table is prestored in described merchant terminal, in the identification address of the user terminal that described merchant terminal associates and corresponding user's ship-to are stored in that described relation is corresponding and show, described method also comprises:
Receive the operational order that user deletes the user terminal of association, according to described operational order, the identification address of described user terminal and corresponding user's ship-to are deleted from described relation correspondence table;
Receive the operational order that user adds the user terminal of association, according to described operational order, the identification address of described user terminal and corresponding user's ship-to are added in described relation correspondence table.
Second aspect, embodiments provides a kind of online trading system, comprises the multiple terminals being integrated with stored value card respectively, and described multiple terminal comprises user terminal and merchant terminal;
The digital encryption currency that the identification address that described user terminal is used for controlling according to the operation of user the goods for sale that stored value card integrated in described user terminal prestores in described merchant terminal sends;
Each described user terminal is a corresponding identification address respectively, prestores the identification address of each goods for sale prestored in the merchant terminal associated with described user terminal in described user terminal;
Described merchant terminal controls the digital encryption currency of the identification address transmission of the goods for sale that stored value card integrated in described user terminal prestores in described merchant terminal for receiving described user terminal, judge the goods for sale showing that described identification address is corresponding and the user terminal sending described digital encryption currency, and user's ship-to that described user terminal is corresponding, send the steering order described goods for sale being sent to described user's ship-to place;
Prestore the identification address corresponding respectively with each goods for sale in each described merchant terminal, and with the identification address of the user terminal that described merchant terminal associates and corresponding user's ship-to.
In conjunction with second aspect, embodiments provide the first possible embodiment of second aspect, wherein, the described identification address that each described user terminal is corresponding is respectively the wallet address of stored value card integrated in described user terminal; The identification address that each goods for sale prestored in each described merchant terminal is corresponding is respectively the sub-wallet address corresponding respectively with each described goods for sale prestored in stored value card integrated in described merchant terminal.
In conjunction with second aspect, embodiments provide the embodiment that the second of second aspect is possible, wherein, described merchant terminal also for, after sending the steering order described goods for sale being sent to described user's ship-to place, control the digital encryption currency that stored value card integrated in described merchant terminal stored value card integrated in described user terminal sends predetermined number, shipped to point out;
Described user terminal is also for receiving the digital encryption currency of the predetermined number that stored value card integrated in described merchant terminal sends.
In conjunction with second aspect, or second aspect the first, the possible embodiment of the second, embodiments provide the third possible embodiment of second aspect, wherein, described merchant terminal also for, receive reimbursement instruction, according to described reimbursement instruction, control stored value card integrated in described merchant terminal described digital encryption currency is sent it back to send in stored value card integrated in the described user terminal of described digital encryption currency, send the steering order cancelled and described goods for sale is sent to described user's ship-to place;
Described user terminal is also for receiving the described digital encryption currency that stored value card integrated in described merchant terminal sends it back.
In conjunction with the third possible embodiment of second aspect, embodiments provide the 4th kind of possible embodiment of second aspect, wherein, relation correspondence table is prestored in described merchant terminal, in the identification address of the user terminal that described merchant terminal associates and corresponding user's ship-to are stored in that described relation is corresponding and show, described merchant terminal also for, receive the operational order that user deletes the user terminal of association, according to described operational order, the identification address of described user terminal and corresponding user's ship-to are deleted from described relation correspondence table; Receive the operational order that user adds the user terminal of association, according to described operational order, the identification address of described user terminal and corresponding user's ship-to are added in described relation correspondence table.
The online transaction method and system that the embodiment of the present invention provides, to have abandoned in the website needing to supplement with money businessman in prior art or use prepaid card maybe need by merchant web site supplement interface with money and bank links up with, the purchasing model of online transaction can be realized, by the ingehious design to user terminal and merchant terminal, make in transaction without the need to server, currency to be sent to the pattern of another terminal wallet from a terminal wallet, complete online transaction, this trade mode, only relate to simple terminal-to-terminal service to transfer accounts, without the need to supplementing with money in advance or linking up with bank, thus, without the need to such as needing strict examination & approval as prior art, access threshold is lower, transaction more for convenience.Due to without the need to server, do not need to carry out complicated transaction security supervision, security risk is lower.
Further, the online transaction method and system that the embodiment of the present invention provides, the identification address of user terminal is the address of stored value card integrated in user terminal, the identification address of merchant terminal is the sub-wallet address corresponding respectively with each commodity prestored in stored value card integrated in merchant terminal, this setup, the stored value card that user only need be controlled on user terminal sends digital encryption currency to the sub-wallet address corresponding to the commodity of required purchase, merchant terminal namely by discriminating digit encryption currency from stored value card address determine to buy the user terminal of commodity, according to the commodity that the sub-wallet Address Confirmation user receiving digital encryption currency buys, thus send instruction commodity being sent to user's ship-to place, complete transaction, design ingenious, it is convenient to implement, realistic demand.
Further, the online transaction method and system that the embodiment of the present invention provides, merchant terminal and all of user terminal are all realized by digital encryption currency alternately, after completing delivery, merchant terminal can send the digital encryption currency of predetermined number by the stored value card integrated in user terminal of the stored value card of control integration, shipped to point out; When user terminal buys commodity, only need send digital encryption currency to the sub-wallet address corresponding to the commodity of required purchase, abandon in prior art the thinking limitation needing to be completed by intermediate server transaction, complexity, huge data processing can not be related to, it is convenient to implement, cost is lower, realistic demand.
For making above-mentioned purpose of the present invention, feature and advantage become apparent, preferred embodiment cited below particularly, and coordinate appended accompanying drawing, be described in detail below.
Accompanying drawing explanation
For making the object of the embodiment of the present invention, technical scheme and advantage clearly, below in conjunction with the accompanying drawing in the embodiment of the present invention, technical scheme in the embodiment of the present invention is clearly and completely described, obviously, described embodiment is the present invention's part embodiment, instead of whole embodiments.Based on the embodiment in the present invention, those of ordinary skill in the art, not making the every other embodiment obtained under creative work prerequisite, belong to the scope of protection of the invention.
Fig. 1 shows the schematic flow sheet of a kind of online transaction method that the embodiment of the present invention 1 provides;
Fig. 2 shows the schematic flow sheet of the another kind of online transaction method that the embodiment of the present invention 1 provides;
Fig. 3 shows the schematic flow sheet of a kind of return of goods that the embodiment of the present invention 1 provides;
Fig. 4 shows a kind of online transaction sequential chart that the embodiment of the present invention 1 provides;
Fig. 5 shows the system chart of a kind of online trading system that the embodiment of the present invention 2 provides;
Fig. 6 shows the structural representation of a kind of online transaction device that the embodiment of the present invention 3 provides;
Fig. 7 shows the structural representation of the another kind of online transaction device that the embodiment of the present invention 3 provides.
Embodiment
Existing online transaction mode, businessman's policy access threshold is higher, need supplement with money in the website of businessman maybe need by merchant web site supplement interface with money and bank links up with, formality examination & approval and check-in comparatively loaded down with trivial details, very unfavorable for medium and small businessman.Higher to the security requirement paid, therefore technical threshold is higher, and small and medium supermarket can not independently be built a station.
Based on this, designer abandons in prior art to be needed to be supplemented with money by currency in advance in merchant web site or the design limitation buying prepaid card or link up with bank, abandoned those skilled in the art establishes server to carry out the thinking limitation of data processing, monitoring in online transaction, devise a kind of without the need to intermediate server, without the need to supplementing with money in advance, without the need to buying prepaid card, online transaction mode without the need to linking up with bank, this online transaction mode is carried out between terminal and terminal, and all is all realized by digital encryption currency alternately.
Following several embodiment is listed in the embodiment of the present invention:
Below in conjunction with accompanying drawing in the embodiment of the present invention, be clearly and completely described the technical scheme in the embodiment of the present invention, obviously, described embodiment is only the present invention's part embodiment, instead of whole embodiments.The assembly of the embodiment of the present invention describing and illustrate in usual accompanying drawing herein can be arranged with various different configuration and design.Therefore, below to the detailed description of the embodiments of the invention provided in the accompanying drawings and the claimed scope of the present invention of not intended to be limiting, but selected embodiment of the present invention is only represented.Based on embodiments of the invention, the every other embodiment that those skilled in the art obtain under the prerequisite not making creative work, all belongs to the scope of protection of the invention.
Embodiment 1
As shown in Figure 1, embodiments provide a kind of online transaction method, be applied to the multiple terminals being integrated with stored value card respectively, described multiple terminal comprises user terminal and merchant terminal, and described method comprises:
Step S100: stored value card integrated in described merchant terminal receives the digital encryption currency that described user terminal controls the identification address transmission of the goods for sale that stored value card integrated in described user terminal prestores in described merchant terminal;
Wherein, each described user terminal is a corresponding identification address respectively, the identification address of each goods for sale prestored in the merchant terminal associated with described user terminal is prestored in described user terminal, prestore the identification address corresponding respectively with each goods for sale in each described merchant terminal, and with the identification address of the user terminal that described merchant terminal associates and corresponding user's ship-to.
It should be noted that, in force, the selection of cooperation businessman, partner user and setting can be arranged by businessman or User Defined, also automatically can be downloaded in a certain information sharing platform by businessman or user, complete setting, also can not only support businessman or User Defined to arrange but also support that businessman or user automatically download in a certain information sharing platform, complete setting.
Setting like this, when implementing, user only need select the cooperation businessman prestored on the subscriber terminal, selects to buy the commodity in cooperation businessman, and stored value card integrated in operation user terminal sends digital encryption currency to the identification address of the commodity of required purchase.After stored value card in the user terminal sends digital encryption currency, in corresponding merchant terminal, integrated stored value card then directly can receive this digital encryption currency, without the need to carrying out judging, the operational motion such as process.
Step S101: described merchant terminal judges the goods for sale showing that described identification address is corresponding and the user terminal sending described digital encryption currency, and user's ship-to that described user terminal is corresponding;
Wherein, because each user terminal has identification address corresponding respectively, the identification address corresponding respectively with each commodity is prestored in merchant terminal, thus, merchant terminal by discriminating digit encryption currency from identification address determine to buy the user terminal of commodity, confirm according to the identification address receiving digital encryption currency the commodity that user buys, thus go out the user ship-to corresponding with user terminal according to the contents extraction prestored.
It should be noted that, what prestore in merchant terminal is the identification address of virtual goods for sale.
Step S102: described merchant terminal sends the steering order described goods for sale being sent to described user's ship-to place.
Wherein, the way of realization distinguishing the identification address of each commodity in each user terminal, merchant terminal has multiple, can be the various network addresss that can realize distinguishing, coding etc., the described identification address that in the present embodiment, preferred each described user terminal is corresponding is respectively the wallet address of stored value card integrated in described user terminal; The identification address that each goods for sale prestored in each described merchant terminal is corresponding is respectively the sub-wallet address (ID) corresponding respectively with each described goods for sale prestored in stored value card integrated in described merchant terminal.This setup, the stored value card that user only need be controlled on user terminal sends digital encryption currency to the sub-wallet address corresponding to the commodity of required purchase, merchant terminal namely by discriminating digit encryption currency from stored value card address determine to buy the user terminal of commodity, according to the commodity that the sub-wallet Address Confirmation user receiving digital encryption currency buys, thus send instruction commodity being sent to user's ship-to place, complete transaction.
In the present embodiment, commodity can comprise physical commodity or virtual goods, and physical commodity can comprise the fuel sauce vinegar tea etc. in daily life; Virtual goods can comprise the telephone expenses, the electricity charge, gas expense etc. that user need buy.
It should be noted that, using Alipay or bank card to carry out and exchanging is that Central Bank forbids, but it is allow that cash and digital encryption currency carry out exchanging and buying and selling in exchange, thus, digital encryption currency is adopted to pay in the present embodiment, without the need to adopting traditional bank or Third-party payment to carry out, businessman's policy, payment safety access threshold are all lower.
Digital encryption currency refers to not rely on any material object, and the digital cash of the algorithm that accesses to your password now refers to English Cryptocurrency, means bit coin class digital cash, and comprises bit coin.Such as bit coin, the special coin of Lay etc., be that a kind of cryptographic technique and calibration technology of relying on creates, distribution and the digital cash maintained.The feature of password currency its used P-2-P technology and everyone have distribution it." Cryptocurrency " (encryption currency) is formally indexed in dictionary by Oxford online dictionary (OxfordDictionariesOnline, ODO) recently; ODO tissue finds that Cryptocurrency uses widely in nearest following period of time.ODO is defined as cryptocurrency: " digital cash produces based on encryption technology, can be used to exchange various legal tender, and record the transfer of fund, independent of the regulation and control of national Central Bank." interpolation " cryptocurrency " this word means that the online dictionary in Oxford thinks that this is the important and influential vocabulary occurred recently, and it believes that this word will be used more widely.
Use digital encryption currency in the present embodiment to carry out the payment of being correlated with, and complete the exchange between franc and digital encryption currency with two-way changer, permit completely from policy angle.From technical standpoint, the first usage currency exchange of user is digital encryption currency, and then, stored value card adopts digital encryption currency automatically to pay.Businessman obtains digital encryption currency by selling commodity afterwards, and then obtain franc by two-way changer redeeming digital encryption currency, whole process has solved by technology the policy issue that Internet of Things payment is carried out in entity supermarket.
Do not adopt the prepaid card form of centralization in the present embodiment, but complete payment with the digital encryption currency of decentralization, there is very strong security.
During enforcement, according to actual conditions, merchant terminal can send to different object the steering order described commodity being sent to described user's ship-to place, such as: for the large-scale businessman having cooperative logistics business, steering order can be sent to the logistics provider of cooperation, goods handling is located to user according to steering order by logistics provider; Again such as: for the medium and small businessman not having cooperative logistics business, steering order can be sent to sending of cooperation and pass in personnel's handheld terminal, goods handling is located to user according to steering order by the personnel of passing that send of cooperation.
After sending ship directive in merchant terminal, user terminal can be fed back in time, as shown in Figure 2, in the present embodiment, after preferred described merchant terminal sends the steering order described goods for sale being sent to described user's ship-to place, described method also comprises:
Step S103: described merchant terminal controls the digital encryption currency that stored value card integrated in described merchant terminal stored value card integrated in described user terminal sends predetermined number, shipped to point out.
Wherein, the digital encryption currency of predetermined number can be the digital encryption currency allowing the minimum number sent, setting like this, without the need to such as prior art, need send delivery message by intermediate server etc., all completed by digital encryption currency in whole process of exchange, access threshold is lower, safely, fast, implement conveniently.
Consider in practical application, may there is the situations such as the interim short supply of businessman, as shown in Figure 3, in the present embodiment, preferred described method also comprises:
Step S200: described merchant terminal receives reimbursement instruction;
Wherein, reimbursement instruction can be businessman keeper and sends, as: after the digital encryption currency receiving the purchase commodity that user terminal sends, if corresponding commodity not in stock, then merchant terminal keeper can carry out reimbursement command operating in merchant terminal.
Step S201: according to described reimbursement instruction, control stored value card integrated in described merchant terminal described digital encryption currency is sent it back to send in stored value card integrated in the described user terminal of described digital encryption currency, send the steering order cancelled and described goods for sale is sent to described user's ship-to place.
In the embodiment of the present invention, prestore in the merchant terminal associated with user terminal the identification address of each commodity prestored in the user terminal, the identification address of the user terminal associated with merchant terminal and corresponding user's ship-to is prestored in merchant terminal, optional embodiment comprises: in user terminal and merchant terminal, be respectively equipped with relation correspondence table, cooperation (association) businessman is stored in relation correspondence table in user terminal, and the identification address of each commodity of each cooperation who sell, also can comprise the production code member of each commodity, kind, title, price, specification etc., store identification address and user's ship-to information of cooperation (association) user in relation correspondence table in merchant terminal, according to actual conditions, also can comprise user's contact method, name etc.Another kind of optional embodiment comprises: in user terminal and merchant terminal, be respectively equipped with database, the databases in user terminal contains cooperation (association) businessman, and the identification address of each commodity of each cooperation who sell; Databases in merchant terminal contains identification address and user's ship-to information of cooperation (association) user.
For showing for relation is corresponding of storing in terminal, relation correspondence table is prestored in described merchant terminal, in the identification address of the user terminal that described merchant terminal associates and corresponding user's ship-to are stored in that described relation is corresponding and show, when carrying out self-defined setting, described method also comprises: receive the operational order that user deletes the user terminal of association, the identification address of described user terminal and corresponding user's ship-to is deleted from described relation correspondence table according to described operational order; Receive the operational order that user adds the user terminal of association, according to described operational order, the identification address of described user terminal and corresponding user's ship-to are added in described relation correspondence table.
In order to make the scheme in the embodiment of the present invention more clear, now carry out following illustrating:
The user terminal A of stored value card, user terminal B, user terminal C, merchant terminal D and merchant terminal E is integrated with respectively if exist; The wallet address that user terminal A, user terminal B, user terminal C are corresponding is respectively QA, QB and QC; Corresponding with commodity X1, Y1 wallet address Q11, Q12 is prestored in merchant terminal D; Corresponding with commodity X2, Y2 wallet address Q21, Q22 is prestored in merchant terminal E; User terminal A, user terminal B all associate with merchant terminal E with merchant terminal D with user terminal C; So, in units of businessman, each commodity prestored by merchant terminal D and merchant terminal E respectively corresponding sub-wallet address Q11, Q12, Q21, Q22 are stored in user terminal A, user terminal B and user terminal C respectively; Wallet address QA, QB and QC that user terminal A, user terminal B and user terminal C is corresponding are respectively stored in merchant terminal D and merchant terminal E respectively.
Based on above-mentioned setting, need buy commodity X1 to merchant terminal D for user terminal A, transaction flow is as follows:
User selects commodity X1 in user terminal A, select quantity purchase, stored value card integrated in user terminal A sends, send to the sub-wallet address Q11 corresponding with commodity X1 the steering order buying the digital encryption currency paid needed for the commodity X1 of respective numbers, make stored value card integrated in user terminal A send the digital encryption currency of the commodity X1 requirement buying respective numbers to sub-wallet address Q11.
Stored value card integrated in merchant terminal D receives the digital encryption currency that stored value card integrated in user terminal A sends, the wallet address obtaining sending this digital encryption currency is QA, sending object is sub-wallet address Q11, and then judge to show that the commodity of purchase are X1, the user terminal bought is A, according to judged result, send the steering order commodity X1 of respective numbers being sent to ship-to place corresponding to user terminal A and can complete transaction, as shown in Figure 4.
Separately, it should be noted that, in above-mentioned transaction, manually can be bought on the subscriber terminal by user, also according to pre-conditioned, automatically can be paid by the stored value card in user terminal, automatically complete purchase.As: user sets automatic time buying interval on the subscriber terminal, make stored value card integrated in user terminal temporally the stored value card of interval in trend merchant terminal send the digital encryption currency of predetermined number, complete purchase.
The online transaction method that the embodiment of the present invention provides, without the need to such as transaction must have been paid based on website or center as prior art, transaction is completed by digital encryption currency based on meshed network in the mode of terminal-to-terminal service, without the need to establishing server or building special website, businessman's access threshold is lower, is beneficial to the development of medium and small businessman, because All Activity is all completed by digital encryption currency, without the need to separately establishing server and built web-site, substantially reduce assault risk, natural anti-intrusion.In addition, the currency of user is all exist in the stored value card of user terminal, even when worst---businessman's computer is invaded, also only lose the currency inside businessman's wallet, and the currency of user can not be made impaired, greatly control the scope of loss, due to employing is terminal---the framework of terminal, without the need to carrying out complicated maintenance, cost is lower, safe and reliable.
Embodiment 2
As shown in Figure 5, embodiments provide a kind of online trading system, comprise the multiple terminals being integrated with stored value card respectively, described multiple terminal comprises user terminal 300 and merchant terminal 301; The digital encryption currency that described user terminal 300 sends for the identification address of the goods for sale controlling stored value card integrated in described user terminal 300 according to the operation of user and prestore in described merchant terminal 301; Each described user terminal 300 is a corresponding identification address respectively, prestores the identification address of each goods for sale prestored in the merchant terminal 301 associated with described user terminal 300 in described user terminal 300; Described merchant terminal 301 controls the digital encryption currency of the identification address transmission of the goods for sale that stored value card integrated in described user terminal 300 prestores in described merchant terminal 301 for receiving described user terminal 300, judge the goods for sale showing that described identification address is corresponding and the user terminal 300 sending described digital encryption currency, and user's ship-to of described user terminal 300 correspondence, send the steering order described goods for sale being sent to described user's ship-to place;
Prestore the identification address corresponding respectively with each goods for sale in each described merchant terminal 301, merchant terminal 301 and with the identification address of the user terminal 300 that described merchant terminal 301 associates and corresponding user's ship-to.
Preferably, the described identification address that each described user terminal 300 is corresponding is respectively the wallet address of stored value card integrated in described user terminal 300; The identification address that each goods for sale prestored in each described merchant terminal 301 is corresponding is respectively the sub-wallet address corresponding respectively with each described goods for sale prestored in stored value card integrated in described merchant terminal 301.
Wherein, described merchant terminal 301 also for, after sending the steering order described goods for sale being sent to described user's ship-to place, control the digital encryption currency that stored value card integrated in described merchant terminal 301 stored value card integrated in described user terminal 300 sends predetermined number, shipped to point out; Described user terminal 300 is also for receiving the digital encryption currency of the predetermined number that stored value card integrated in described merchant terminal 301 sends.
Further, described merchant terminal 301 also for, receive reimbursement instruction, according to described reimbursement instruction, control stored value card integrated in described merchant terminal 301 described digital encryption currency is sent it back to send in stored value card integrated in the described user terminal 300 of described digital encryption currency, send the steering order cancelled and described goods for sale is sent to described user's ship-to place; Described user terminal 300 is also for receiving the described digital encryption currency that integrated stored value card in described merchant terminal 301 sends it back.
Preferably, relation correspondence table is prestored in described merchant terminal 301, in the identification address of the user terminal 300 that described merchant terminal 301 associates and corresponding user's ship-to are stored in that described relation is corresponding and show, described merchant terminal 301 also for, receive the operational order that user deletes the user terminal 300 of association, according to described operational order, the identification address of described user terminal 300 and corresponding user's ship-to are deleted from described relation correspondence table; Receive the operational order that user adds the user terminal 300 of association, according to described operational order, the identification address of described user terminal 300 and corresponding user's ship-to are added in described relation correspondence table.
The system that the embodiment of the present invention provides, its technique effect realizing principle and generation is identical with preceding method embodiment, is concise and to the point description, and the not mentioned part of system embodiment part can with reference to corresponding contents in preceding method embodiment.
Embodiment 3
Embodiments provide a kind of online transaction device, be applied to the merchant terminal being integrated with stored value card, described merchant terminal is applied to the online trading system in embodiment 2, described system comprises described merchant terminal and is integrated with the user terminal of stored value card, as shown in Figure 6, described device comprises:
Digital encryption currency receiving element 400, the digital encryption currency that described user terminal controls the identification address transmission of the goods for sale that stored value card integrated in described user terminal prestores in described merchant terminal is received for making stored value card integrated in described merchant terminal, each described user terminal is a corresponding identification address respectively, the identification address of each goods for sale prestored in the merchant terminal associated with described user terminal is prestored in described user terminal, the identification address corresponding respectively with each goods for sale is prestored in each described merchant terminal, and with the identification address of the user terminal that described merchant terminal associates and corresponding user's ship-to,
Information judging unit 401, for judging the goods for sale showing that described identification address is corresponding and the user terminal sending described digital encryption currency, and user's ship-to that described user terminal is corresponding;
Information transmitting unit, for sending the steering order described goods for sale being sent to described user's ship-to 402 place.
The device that the embodiment of the present invention provides, its technique effect realizing principle and generation is identical with preceding method embodiment, is concise and to the point description, and the not mentioned part of device embodiment part can with reference to corresponding contents in preceding method embodiment.
See Fig. 7, the embodiment of the present invention additionally provides a kind of application scenarios schematic diagram of online transaction device, can be applicable in terminal, terminal comprises mobile phone terminal, computer terminal etc., terminal specifically comprises: processor 501, storer 502, bus 503 and communication interface 504, described processor 501, communication interface 504 are connected by bus 503 with storer 502; The executable module of processor 501 for storing in execute store 502, such as computer program.
Wherein, storer 502 may comprise high-speed random access memory (RAM:RandomAccessMemory), still may comprise non-labile storer (non-volatilememory), such as at least one magnetic disk memory.Realize the communication connection between this system network element and at least one other network element by least one communication interface 504 (can be wired or wireless), can internet be used, wide area network, local network, Metropolitan Area Network (MAN) etc.
Bus 503 can be isa bus, pci bus or eisa bus etc.Described bus can be divided into address bus, data bus, control bus etc.For ease of representing, only representing with a four-headed arrow in figure, but not representing the bus only having a bus or a type.
Wherein, storer 502 is for storage program, and described processor 501, after receiving execution instruction, performs described program, the method performed by server of the stream procedure definition that aforementioned embodiment of the present invention any embodiment discloses can be applied in processor 501, or is realized by processor 501.
Processor 501 may be a kind of integrated circuit (IC) chip, has the processing power of signal.In implementation procedure, each step of said method can be completed by the instruction of the integrated logic circuit of the hardware in processor 501 or software form.Above-mentioned processor 501 can be general processor, comprises central processing unit (CentralProcessingUnit is called for short CPU), network processing unit (NetworkProcessor is called for short NP) etc.; Can also be digital signal processor (DSP), special IC (ASIC), ready-made programmable gate array (FPGA) or other programmable logic device (PLD), discrete gate or transistor logic, discrete hardware components.Can realize or perform disclosed each method, step and the logic diagram in the embodiment of the present invention.The processor etc. of general processor can be microprocessor or this processor also can be any routine.Step in conjunction with the method disclosed in the embodiment of the present invention directly can be presented as that hardware decoding processor is complete, or combines complete by the hardware in decoding processor and software module.Software module can be positioned at random access memory, flash memory, ROM (read-only memory), in the storage medium of this area maturations such as programmable read only memory or electrically erasable programmable storer, register.This storage medium is positioned at storer 502, and processor 501 reads the information in storer 502, completes the step of said method in conjunction with its hardware.
Those skilled in the art can be well understood to, and for convenience and simplicity of description, the server of foregoing description and the specific works process of unit, with reference to the corresponding process in preceding method embodiment, can not repeat them here.
In several embodiments that the application provides, should be understood that disclosed apparatus and method can realize by another way.Device embodiment described above is only schematic, and such as, the process flow diagram in accompanying drawing and block diagram show device according to multiple embodiment of the present invention, the architectural framework in the cards of method and computer program product, function and operation.In this, each square frame in process flow diagram or block diagram can represent a part for module, program segment or a code, and a part for described module, program segment or code comprises one or more executable instruction for realizing the logic function specified.Also it should be noted that at some as in the realization of replacing, the function marked in square frame also can be different from occurring in sequence of marking in accompanying drawing.Such as, in fact two continuous print square frames can perform substantially concurrently, and they also can perform by contrary order sometimes, and this determines according to involved function.Also it should be noted that, the combination of the square frame in each square frame in block diagram and/or process flow diagram and block diagram and/or process flow diagram, can realize by the special hardware based system of the function put rules into practice or action, or can realize with the combination of specialized hardware and computer instruction.
The described unit illustrated as separating component or can may not be and physically separates, and the parts as unit display can be or may not be physical location, namely can be positioned at a place, or also can be distributed in multiple network element.Some or all of unit wherein can be selected according to the actual needs to realize the object of the present embodiment scheme.
In addition, each functional unit in each embodiment of the present invention can be integrated in a processing unit, also can be that the independent physics of unit exists, also can two or more unit in a unit integrated.
If described function using the form of SFU software functional unit realize and as independently production marketing or use time, can be stored in a computer read/write memory medium.Based on such understanding, the part of the part that technical scheme of the present invention contributes to prior art in essence in other words or this technical scheme can embody with the form of software product, this computer software product is stored in a storage medium, comprising some instructions in order to make a computer equipment (can be personal computer, server, or the network equipment etc.) perform all or part of step of method described in each embodiment of the present invention.And aforesaid storage medium comprises: USB flash disk, portable hard drive, ROM (read-only memory) (ROM, Read-OnlyMemory), random access memory (RAM, RandomAccessMemory), magnetic disc or CD etc. various can be program code stored medium.It should be noted that, in this article, the such as relational terms of first and second grades and so on is only used for an entity or operation to separate with another entity or operational zone, and not necessarily requires or imply the relation that there is any this reality between these entities or operation or sequentially.And, term " comprises ", " comprising " or its any other variant are intended to contain comprising of nonexcludability, thus make to comprise the process of a series of key element, method, article or equipment and not only comprise those key elements, but also comprise other key elements clearly do not listed, or also comprise by the intrinsic key element of this process, method, article or equipment.When not more restrictions, the key element limited by statement " comprising ... ", and be not precluded within process, method, article or the equipment comprising described key element and also there is other identical element.
The foregoing is only the preferred embodiments of the present invention, be not limited to the present invention, for a person skilled in the art, the present invention can have various modifications and variations.Within the spirit and principles in the present invention all, any amendment done, equivalent replacement, improvement etc., all should be included within protection scope of the present invention.It should be noted that: represent similar terms in similar label and letter accompanying drawing below, therefore, once be defined in an a certain Xiang Yi accompanying drawing, then do not need to define further it and explain in accompanying drawing subsequently.
The foregoing is only the preferred embodiments of the present invention, be not limited to the present invention, for a person skilled in the art, the present invention can have various modifications and variations.Within the spirit and principles in the present invention all, any amendment done, equivalent replacement, improvement etc., all should be included within protection scope of the present invention.It should be noted that: represent similar terms in similar label and letter accompanying drawing below, therefore, once be defined in an a certain Xiang Yi accompanying drawing, then do not need to define further it and explain in accompanying drawing subsequently
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 (10)
1. an online transaction method, is characterized in that, is applied to the multiple terminals being integrated with stored value card respectively, and described multiple terminal comprises user terminal and merchant terminal, and described method comprises:
Stored value card integrated in described merchant terminal receives the digital encryption currency that described user terminal controls the identification address transmission of the goods for sale that stored value card integrated in described user terminal prestores in described merchant terminal, each described user terminal is a corresponding identification address respectively, the identification address of each goods for sale prestored in the merchant terminal associated with described user terminal is prestored in described user terminal, the identification address corresponding respectively with each goods for sale is prestored in each described merchant terminal, and with the identification address of the user terminal that described merchant terminal associates and corresponding user's ship-to,
Described merchant terminal judges the goods for sale showing that described identification address is corresponding and the user terminal sending described digital encryption currency, and user's ship-to that described user terminal is corresponding;
Described merchant terminal sends the steering order described goods for sale being sent to described user's ship-to place.
2. method according to claim 1, is characterized in that, the described identification address that each described user terminal is corresponding is respectively the wallet address of stored value card integrated in described user terminal; The identification address that each goods for sale prestored in each described merchant terminal is corresponding is respectively the sub-wallet address corresponding respectively with each described goods for sale prestored in stored value card integrated in described merchant terminal.
3. method according to claim 1, is characterized in that, after described merchant terminal sends the steering order described goods for sale being sent to described user's ship-to place, described method also comprises:
Described merchant terminal controls the digital encryption currency that stored value card integrated in described merchant terminal stored value card integrated in described user terminal sends predetermined number, shipped to point out.
4. the method according to claims 1 to 3 any one, is characterized in that, described method also comprises:
Described merchant terminal receives reimbursement instruction;
According to described reimbursement instruction, control stored value card integrated in described merchant terminal described digital encryption currency is sent it back to send in stored value card integrated in the described user terminal of described digital encryption currency, send the steering order cancelled and described goods for sale is sent to described user's ship-to place.
5. method according to claim 4, it is characterized in that, prestore relation correspondence table in described merchant terminal, in the identification address of the user terminal that described merchant terminal associates and corresponding user's ship-to are stored in that described relation is corresponding and show, described method also comprises:
Receive the operational order that user deletes the user terminal of association, according to described operational order, the identification address of described user terminal and corresponding user's ship-to are deleted from described relation correspondence table;
Receive the operational order that user adds the user terminal of association, according to described operational order, the identification address of described user terminal and corresponding user's ship-to are added in described relation correspondence table.
6. an online trading system, is characterized in that, comprises the multiple terminals being integrated with stored value card respectively, and described multiple terminal comprises user terminal and merchant terminal;
The digital encryption currency that the identification address that described user terminal is used for controlling according to the operation of user the goods for sale that stored value card integrated in described user terminal prestores in described merchant terminal sends;
Each described user terminal is a corresponding identification address respectively, prestores the identification address of each goods for sale prestored in the merchant terminal associated with described user terminal in described user terminal;
Described merchant terminal controls the digital encryption currency of the identification address transmission of the goods for sale that stored value card integrated in described user terminal prestores in described merchant terminal for receiving described user terminal, judge the goods for sale showing that described identification address is corresponding and the user terminal sending described digital encryption currency, and user's ship-to that described user terminal is corresponding, send the steering order described goods for sale being sent to described user's ship-to place;
Prestore the identification address corresponding respectively with each goods for sale in each described merchant terminal, and with the identification address of the user terminal that described merchant terminal associates and corresponding user's ship-to.
7. online trading system according to claim 6, is characterized in that, the described identification address that each described user terminal is corresponding is respectively the wallet address of stored value card integrated in described user terminal; The identification address that each goods for sale prestored in each described merchant terminal is corresponding is respectively the sub-wallet address corresponding respectively with each described goods for sale prestored in stored value card integrated in described merchant terminal.
8. online trading system according to claim 6, it is characterized in that, described merchant terminal also for, after sending the steering order described goods for sale being sent to described user's ship-to place, control the digital encryption currency that stored value card integrated in described merchant terminal stored value card integrated in described user terminal sends predetermined number, shipped to point out;
Described user terminal is also for receiving the digital encryption currency of the predetermined number that stored value card integrated in described merchant terminal sends.
9. the online trading system according to claim 6 ~ 8 any one, it is characterized in that, described merchant terminal also for, receive reimbursement instruction, according to described reimbursement instruction, control stored value card integrated in described merchant terminal described digital encryption currency is sent it back to send in stored value card integrated in the described user terminal of described digital encryption currency, send the steering order cancelled and described goods for sale is sent to described user's ship-to place;
Described user terminal is also for receiving the described digital encryption currency that stored value card integrated in described merchant terminal sends it back.
10. online trading system according to claim 9, it is characterized in that, relation correspondence table is prestored in described merchant terminal, in the identification address of the user terminal that described merchant terminal associates and corresponding user's ship-to are stored in that described relation is corresponding and show, described merchant terminal also for, receive the operational order that user deletes the user terminal of association, according to described operational order, the identification address of described user terminal and corresponding user's ship-to are deleted from described relation correspondence table; Receive the operational order that user adds the user terminal of association, according to described operational order, the identification address of described user terminal and corresponding user's ship-to are added in described relation correspondence table.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510676877.7A CN105260923A (en) | 2015-10-15 | 2015-10-15 | On-line transaction method and system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510676877.7A CN105260923A (en) | 2015-10-15 | 2015-10-15 | On-line transaction method and system |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN105260923A true CN105260923A (en) | 2016-01-20 |
Family
ID=55100598
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201510676877.7A Pending CN105260923A (en) | 2015-10-15 | 2015-10-15 | On-line transaction method and system |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN105260923A (en) |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107230055A (en) * | 2016-03-25 | 2017-10-03 | 中国人民银行印制科学技术研究所 | The method and system of payout figure currency |
Citations (8)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20070215689A1 (en) * | 2006-03-14 | 2007-09-20 | First Data Corporation | Money transfers using digital cash |
| CN101655948A (en) * | 2008-08-20 | 2010-02-24 | 阿里巴巴集团控股有限公司 | Online trading method and online trading system |
| US20130018782A1 (en) * | 2011-07-18 | 2013-01-17 | Tiger T G Zhou | Methods and systems for facilitating mobile device payments using codes and cashback business model |
| CN104392354A (en) * | 2014-11-05 | 2015-03-04 | 中国科学院合肥物质科学研究院 | Association and retrieval method and system used for public key addresses and user accounts of crypto-currency |
| CN104392348A (en) * | 2014-11-06 | 2015-03-04 | 朱锐泷 | Digital currency-based cross-border payment and clearing system and cross-border payment method |
| CN104463001A (en) * | 2014-12-19 | 2015-03-25 | 比特卡国际有限公司 | Method for independently generating and storing encrypted digital currency private key and device for bearing encrypted digital currency private key |
| CN104732395A (en) * | 2015-04-16 | 2015-06-24 | 比特汇通（北京）信息技术有限公司 | Internet stream payment system and method |
| CN104838403A (en) * | 2014-08-06 | 2015-08-12 | 深圳市银信网银科技有限公司 | System and method for constructing network trade platform |
-
2015
- 2015-10-15 CN CN201510676877.7A patent/CN105260923A/en active Pending
Patent Citations (8)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20070215689A1 (en) * | 2006-03-14 | 2007-09-20 | First Data Corporation | Money transfers using digital cash |
| CN101655948A (en) * | 2008-08-20 | 2010-02-24 | 阿里巴巴集团控股有限公司 | Online trading method and online trading system |
| US20130018782A1 (en) * | 2011-07-18 | 2013-01-17 | Tiger T G Zhou | Methods and systems for facilitating mobile device payments using codes and cashback business model |
| CN104838403A (en) * | 2014-08-06 | 2015-08-12 | 深圳市银信网银科技有限公司 | System and method for constructing network trade platform |
| CN104392354A (en) * | 2014-11-05 | 2015-03-04 | 中国科学院合肥物质科学研究院 | Association and retrieval method and system used for public key addresses and user accounts of crypto-currency |
| CN104392348A (en) * | 2014-11-06 | 2015-03-04 | 朱锐泷 | Digital currency-based cross-border payment and clearing system and cross-border payment method |
| CN104463001A (en) * | 2014-12-19 | 2015-03-25 | 比特卡国际有限公司 | Method for independently generating and storing encrypted digital currency private key and device for bearing encrypted digital currency private key |
| CN104732395A (en) * | 2015-04-16 | 2015-06-24 | 比特汇通（北京）信息技术有限公司 | Internet stream payment system and method |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107230055A (en) * | 2016-03-25 | 2017-10-03 | 中国人民银行印制科学技术研究所 | The method and system of payout figure currency |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| AU2022221528A1 (en) | System and method of registering stored-value cards into electronic wallets | |
| US20100057554A1 (en) | Method and System for Enabling Promotion of Product(s) and/or Service(s) | |
| CN104903926A (en) | Electronic wallet apparatus, method, and computer program product | |
| CN102160069A (en) | Application currency code for dynamic currency conversion transactions with contactless consumer transaction payment device | |
| CN103854173A (en) | Mobile payment method for field shopping | |
| WO2013106331A1 (en) | E-wallet with cross-border capability | |
| CN105469302A (en) | Internet of things annular smart financial service system and method | |
| CN104781841A (en) | Methods and systems for facilitating mobile device payments using codes and cashback business model | |
| CN102982452A (en) | Payment method based on socializing platform | |
| CN106030672A (en) | System and method for controlling a wireless tracking device alarm | |
| CN107909467A (en) | A kind of loan limit appraisal procedure and relevant device | |
| US20230351376A1 (en) | Systems and methods for optimized routing of electronic transactions across multiple acquirer processors | |
| CN107369029A (en) | PC+ movements multiple terminals distribution market management system | |
| CN105260923A (en) | On-line transaction method and system | |
| JP2016110321A (en) | Fund transfer method, system, and program | |
| CN105303428A (en) | Automatic payment device and automatic payment method | |
| CN105719174A (en) | Website platform docking system and method | |
| CN110390555A (en) | A kind of multi-platform integration internet mall system and distribution method | |
| CN109146550A (en) | A kind of marketing cost data processing method and system | |
| CN102609876A (en) | System and method for processing consumption credit investigation information | |
| CN107153979A (en) | The method and system of card two-dimensional code scanning shopping | |
| KR102644061B1 (en) | Method, apparatus, and system for providing online purchase advance payment service | |
| CN107209888A (en) | Reusable payment devices for payable at sight off-the-shelf | |
| CN101388128B (en) | System and method of managing contactless payment transactions using a mobile communication device as a stored value device | |
| CN208077243U (en) | A kind of e-commerce system intelligently paid |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| C06 | Publication | ||
| PB01 | Publication | ||
| C10 | Entry into substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| TA01 | Transfer of patent application right | ||
| TA01 | Transfer of patent application right |
Effective date of registration: 20180131 Address after: 163000 Heilongjiang city of Daqing province Wu Jing Honggang District No. 17 west 3 apricot room 402 Applicant after: Gu Jiangtao Address before: 163319 Daqing high tech Zone, Binzhou West Street, Datang family D-16- No. commercial service No. 5, No. 6 Applicant before: DAQING WANDUO IOT TECHNOLOGY CO., LTD. |
|
| RJ01 | Rejection of invention patent application after publication | ||
| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20160120 |