CN105931090A - Electronic bill sending method and device - Google Patents
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- CN105931090A CN105931090A CN201510646861.1A CN201510646861A CN105931090A CN 105931090 A CN105931090 A CN 105931090A CN 201510646861 A CN201510646861 A CN 201510646861A CN 105931090 A CN105931090 A CN 105931090A
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
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Abstract
The invention discloses an electronic bill sending method and device. The method includes that a first network server receives the payment information including a payment account and the transaction authentication information sent by a first terminal; the payment information and the transaction authentication information are sent by the first terminal after the first terminal determines that a second network server completes the payment based on the payment information; the first network server generates an electronic bill based on the payment information and the transaction authentication information; and the first network server sends the electronic bill to a second terminal which is provided with an electronic payment client bound with the payment account.
Description
Technical field
The present invention relates to field of computer technology, particularly relate to a kind of electronic bill sending method and device.
Background technology
Along with popularizing of mobile payment, electronic bill also arises at the historic moment.Electronic bill is possible to prevent concluding the business
The antifraud of journey, anti-counterfeit and safe and secret to transaction data.Electronic bill, can as transaction voucher
To be used for retraining user.Tradition is marched into the arena when paying, and after user's brush bank card, need to sign in papery strip,
Prove the verity of transaction.This signature, is exactly authentication and the non repudiation of transaction of user in fact.
Prove user voluntarily with bank card account pay certain amount of money to trade company, to buy commodity or service.For electricity
For sub-bill, it is necessary to user signs electronically, thus realize the authentication of user and transaction not
The property denied.The electronic signature of user usually can be identified for that the personal information of user's uniqueness.
In existing electronic bill generation system, after concluding the business successfully, user signs collecting device at special electronic
On carry out signing electronically and phone number being provided, the then POS (point-of-sale, point of sale) of trade company
The electronic signature of user, phone number and pertinent transaction information are transferred to the backstage of payment provider by terminal
Server system, is generated e-transaction voucher by the electronic billing system of payment provider, and passes through note
Platform sends the note containing the link of electronics sales slip to user.
But, when generating electronic bill, it is primarily present problems with:
1, need user that the personal information such as phone number are supplied to trade company.Along with user's self-prevention is realized
Raising, user can worry that the personal information of self can be compromised, thus be unwilling individuals such as cell-phone numbers
Information is supplied to trade company, causes electronic bill voucher to push.
2, the electronic bill issued for note link form, user cannot operate, such as easily
Be downloaded, printing etc..Simultaneously as spreading unchecked of telecommunication fraud, user is caused to be unwilling to click on the unknown
Link.The operation cost of payment provider also can be increased additionally by short message sending electronic bill.
To sum up, existing electronic bill, when generating, needs the information such as personal information of user, is unfavorable for electricity
The promotion and application of sub-bill.
Summary of the invention
The embodiment of the present invention provides a kind of electronic bill sending method and device thereof, generates electricity in order to provide a kind of
The system architecture of sub-bill.
The embodiment of the present invention provides a kind of electronic bill sending method, including:
The payment information of first network server reception first terminal transmission and transaction authentication information, described
The information of paying includes payment accounts；Described payment information and described transaction authentication information are described first terminals
Send after second webserver completes delivery operation according to described payment information determining；
Described first network server generates electronics according to described payment information and described transaction authentication information
Bill；
Described electronic bill is sent to the second terminal by described first network server, and described second terminal is peace
Fill the terminal of the E-Payment client of the described payment accounts of binding.
Preferably, described first network server is raw according to described payment information and described transaction authentication information
Become electronic bill, including:
Described first network server generates certification according to described transaction authentication information by hash algorithm and identifies
Symbol；
Described first network server generates pay bills according to described payment information；
Described authentication identifier is embedded described pay bills and obtains described electronics by described first network server
Bill.
Preferably, described first network server receives the described payment accounts pair that second webserver sends
The consumption grade label answered and division of life span's label；
Described first network server according to described consumption grade label and described division of life span's label to institute
State the second terminal and push reward voucher.
Preferably, described payment information also includes the type of merchandise；
Described first network server according to described consumption grade label and described division of life span's label to institute
State the second terminal and push reward voucher, including:
Described first network server determines that the consumption grade label with described payment accounts matches and provides
The type of merchandise be in division of life span's label corresponding to described payment accounts preset with in described payment information
The businessman that matches of the type of merchandise；
The reward voucher of described businessman is pushed to described second terminal by described first network server.
The embodiment of the present invention provides a kind of electronic bill sending method, including:
Second webserver receives the payment information that first terminal sends, and described payment information includes paying
Account, the type of merchandise；
Described second webserver completes to pay backward described first terminal according to described payment information and returns
Pay success message, in order to described first terminal is sent out to first network server according to described payment success message
Send payment information and transaction authentication information.
Preferably, described payment information also includes the type of merchandise；
The method also includes:
Described second webserver obtains the historical transactional information that described payment accounts is corresponding, and described history is handed over
Easily information includes dealing money, the type of merchandise；
The dealing money meansigma methods of described payment accounts is determined according to described dealing money, and according to described transaction
Amount of money meansigma methods and the type of merchandise determine the weighting dealing money meansigma methods of described payment accounts, and according to institute
State weighting dealing money meansigma methods and determine the consumption grade label of user corresponding to described payment accounts；
The feature type of merchandise of described payment accounts, institute is determined from the type of merchandise that described payment accounts is concluded the business
State the feature type of merchandise be threshold value that transaction count corresponding to this type of merchandise is corresponding more than this type of merchandise and
This type of merchandise belongs to the type of merchandise preset in division of life span's label；
The division of life span's mark residing for the user that described payment accounts is corresponding is determined according to the described feature type of merchandise
Sign；
By user corresponding with described payment accounts for the consumption grade label of user corresponding for described payment accounts
Division of life span's label be sent to described first network server, in order to described first network server is according to institute
State the life rank consuming the grade label user corresponding with described payment accounts of user corresponding to payment accounts
Segment mark label are that the second terminal of the E-Payment client being mounted with to bind described payment accounts pushes reward voucher.
The embodiment of the present invention provides a kind of electronic bill dispensing device, including:
Receive unit, for receiving payment information and the transaction authentication information that first terminal sends, described
The information of paying includes payment accounts；Described payment information and described transaction authentication information are described first terminals
Send after second webserver completes delivery operation according to described payment information determining；
Signal generating unit, for generating electronic bill according to described payment information and described transaction authentication information；
Transmitting element, for described electronic bill is sent to the second terminal, described second terminal is for being mounted with
Bind the terminal of the E-Payment client of described payment accounts.
Preferably, described signal generating unit specifically for:
Described first network server generates certification according to described transaction authentication information by hash algorithm and identifies
Symbol；
Described first network server generates pay bills according to described payment information；
Described authentication identifier is embedded described pay bills and obtains described electronics by described first network server
Bill.
Preferably, described reception unit is additionally operable to:
Receive consumption grade label corresponding to described payment accounts and life that second webserver sends
Phase tag；
Described transmitting element is additionally operable to:
Push preferential according to described consumption grade label and described division of life span's label to described second terminal
Certificate.
Preferably, described payment information also includes the type of merchandise；
Described transmitting element specifically for:
Determine that the consumption grade label with described payment accounts matches and the type of merchandise that provides is described
The businessman of the default type of merchandise in division of life span's label that the number of paying a bill is corresponding；
The reward voucher of described businessman is pushed to described second terminal.
The embodiment of the present invention provides a kind of electronic bill dispensing device, including:
Receiving unit, for receiving the payment information that first terminal sends, described payment information includes paying
Account；
Transmitting element, pays into for completing to pay the return of backward described first terminal according to described payment information
Merit message, in order to described first terminal sends payment according to described payment success message to first network server
Information and transaction authentication information so that described first network server according to described payment information and
Described transaction authentication information generates electronic bill.
Preferably, described payment information also includes the type of merchandise；
Described transmitting element is additionally operable to:
Obtain the historical transactional information that described payment accounts is corresponding, described historical transactional information include dealing money,
The type of merchandise；
The dealing money meansigma methods of described payment accounts is determined according to described dealing money, and according to described transaction
Amount of money meansigma methods and the type of merchandise determine the weighting dealing money meansigma methods of described payment accounts, and according to institute
State weighting dealing money meansigma methods and determine the consumption grade label of user corresponding to described payment accounts；
The feature type of merchandise of described payment accounts, institute is determined from the type of merchandise that described payment accounts is concluded the business
State the feature type of merchandise be threshold value that transaction count corresponding to this type of merchandise is corresponding more than this type of merchandise and
This type of merchandise belongs to the type of merchandise preset in division of life span's label；
The division of life span's mark residing for the user that described payment accounts is corresponding is determined according to the described feature type of merchandise
Sign；
By user corresponding with described payment accounts for the consumption grade label of user corresponding for described payment accounts
Division of life span's label be sent to described first network server, in order to described first network server is according to institute
State the life rank consuming the grade label user corresponding with described payment accounts of user corresponding to payment accounts
Segment mark label are that the second terminal of the E-Payment client being mounted with to bind described payment accounts pushes reward voucher.
Having the beneficial effect that of the embodiment of the present invention: first terminal is determining that second webserver is according to described
Payment information completes to send after delivery operation payment information and transaction authentication information to first network server,
Payment information and transaction authentication information that first network server sends according to first terminal generate electronic ticket
According to, and electronic bill is sent to the second terminal.The method provided according to embodiments of the present invention, it is provided that one
Plant the system architecture generating electronic bill, solve and cost height that POS terminal transformation caused is presently required
Problem.
Accompanying drawing explanation
For the technical scheme being illustrated more clearly that in the embodiment of the present invention, institute in embodiment being described below
The accompanying drawing used is needed to briefly introduce, it should be apparent that, the accompanying drawing in describing below is only the present invention's
Some embodiments, from the point of view of those of ordinary skill in the art, in the premise not paying creative work
Under, it is also possible to other accompanying drawing is obtained according to these accompanying drawings.
A kind of electronic bill sending method schematic flow sheet that Fig. 1 provides for the embodiment of the present invention；
A kind of electronic bill sending method schematic flow sheet that Fig. 2 provides for the embodiment of the present invention；
A kind of operation flow schematic diagram processing electronic bill that Fig. 3 provides for the embodiment of the present invention；
A kind of electronic bill dispensing device structural representation that Fig. 4 provides for the embodiment of the present invention；
A kind of electronic bill dispensing device structural representation that Fig. 5 provides for the embodiment of the present invention.
Detailed description of the invention
In order to make the object, technical solutions and advantages of the present invention clearer, below in conjunction with accompanying drawing to this
Bright it is described in further detail, it is clear that described embodiment is only some embodiments of the present invention,
Rather than whole embodiments.Based on the embodiment in the present invention, those of ordinary skill in the art are not doing
Go out all other embodiments obtained under creative work premise, broadly fall into the scope of protection of the invention.
In the embodiment of the present invention, first terminal can be POS terminal, or supports POS terminal function
Equipment.
In the embodiment of the present invention, the second terminal can be any terminal, such as, can be mobile phone, calculating
Machine, panel computer, personal digital assistant (English: personal digital assistant, abbreviation: PDA),
Mobile internet device (English: mobile Internet device, abbreviation: MID), wearable device,
Internet protocol (English: Internet Protocol, abbreviation: IP) phone, the network printer and e-book
Reader is (English: e-book reader) etc..
In the embodiment of the present invention, first network server can be electronic bill platform.First network server
Include multiple electronic bill masterplate, every kind of corresponding different types of type of merchandise of electronic bill masterplate.First
The webserver when generating electronic bill, can according to the type of merchandise in payment information select one corresponding
Electronic bill masterplate, then inserts, by the information that payment information includes, the position that electronic bill masterplate is corresponding,
Obtaining pay bills, pay bills can be picture.Last first network server will be believed according to transaction authentication
The authentication identifier that breath generates is embedded in pay bills, thus obtains electronic bill.
First network server can also store multiple reward voucher, and the reward voucher of first network server storage is
It is distributed to first network server by businessman.The reward voucher that first network server can be issued according to businessman
Be managed, propelling movement etc. operates.
In the embodiment of the present invention, second webserver can be payment platform.
In the embodiment of the present invention, the second terminal can be provided with E-Payment client.Pay client by mails
Needing to register in first network server or second server, pay by mails may in client simultaneously
Bind multiple payment accounts.For example, payment accounts can be bank card number.Need by paying by mails
When payment accounts in client is traded, it is mounted with that the second terminal of this E-Payment client can be to
One terminal sends payment accounts, thus completes transaction.This second terminal can also be with first terminal, the first net
Network server and second webserver communicate, thus swap data.
Based on above-mentioned discussion, as it is shown in figure 1, a kind of electronic bill sender provided for the embodiment of the present invention
Method schematic flow sheet.
Seeing Fig. 1, the method includes below scheme:
Step 101: first network server receives payment information and the transaction authentication letter that first terminal sends
Breath, described payment information includes payment accounts；Described payment information and described transaction authentication information are institutes
State first terminal and send after second webserver completes delivery operation according to described payment information determining；
Step 102: described first network server is according to described payment information and described transaction authentication information
Generate electronic bill；
Step 103: described electronic bill is sent to the second terminal by described first network server, described
Two terminals are the terminal of the E-Payment client being mounted with to bind described payment accounts.
Before step 101, the second terminal needs first to set up with first terminal to be connected, and first terminal obtains second
The information such as the payment accounts of terminal transmission, the second terminal iidentification.First terminal is further according to payment accounts, commodity
Types etc. produce payment information, and send payment information to second webserver.Second webserver
Payment information is verified, and carries out delivery operation according to payment information after being verified.Second network
Server, after payment completes, returns to first terminal and pays success message.First terminal is receiving payment
After success message, obtain the transaction authentication information of user, and send payment information to first network server
And transaction authentication information.
In step 101, payment information can also include any one or more among following:
Time of payment；
Reward voucher；
Merchant name；
Commodity amount；
O/No.；
Seller addresses；
Invoice new line information；
Second terminal iidentification；Second terminal iidentification can be IMSI (International Mobile Subscriber identify,
International Mobile Subscriber Identity), IMEI (International Mobile Station Equipment Identification, International
Mobile Equipment Identity), MSISDN (Mobile Station international ISDN number,
Mobile International ISDN number), it is also possible to be other application layer for identifying customer equipment identification information,
Such as outer logo (External Identifier).Can also is that IP address information etc..
First terminal identifies；First terminal mark can be IMSI, IMEI, MSISDN, it is also possible to is it
Its application layer is used for identifying customer equipment identification information, such as outer logo.Can also is that IP address is believed
Breath etc..
Described payment information is also possible that the type of merchandise.
Transaction authentication information can include any one or more among following:
The electronic signature of the user that payment accounts is corresponding；POS terminal can obtain user on an electronic device
Signature, is then sent to first network server；
The fingerprint of the user that payment accounts is corresponding.
In step 102, first network server generates the method for electronic bill to be had multiple.A kind of possible
In implementation, first network server generates electricity according to described payment information and described transaction authentication information
The method of sub-bill can include the following steps:
1, described first network server generates certification mark according to described transaction authentication information by hash algorithm
Know symbol.
The authentication identifier that described first network server generates can uniquely identify a user, such that it is able to
Guarantee the uniqueness of the electronic bill after generating.
2, described first network server generates pay bills according to described payment information.
Described first network server by the payment information that receives according to the electronic ticket corresponding with the type of merchandise
According to masterplate generate pay bills.
3, described authentication identifier is embedded described pay bills and obtains described electricity by described first network server
Sub-bill.
The electronic bill that embedded in described authentication identifier that described first network server generates can ensure that
Electronic bill and user's one_to_one corresponding.When electronic bill is verified by needs, only electronic bill need to be judged
Whether the authentication identifier of middle embedding is generated by the transaction authentication information of user, if it is, can be true
Determine the legitimacy of electronic bill.
It should be noted that described first network server specifically uses any algorithm authentication identifier to be embedded
Described pay bills obtain described electronic bill, and this is not limited by the embodiment of the present invention.
Finally, in step 103, described first network server can be in the following manner by described electronics
Bill is sent to the second terminal:
Described first network server determines the E-Payment client bound with described payment accounts；Electronics props up
Pay client after having bound payment accounts, the payment accounts of binding can be sent to first network server.
Described electronic bill is sent to and described E-Payment client account by described first network server
The second corresponding terminal.
Owing to first network server is to send electronic bill to paying client by mails, thus avoid existing
Have in system and need to send the note containing electronic bill link by SMS platform to user, reduce cost.
Avoiding user to be unwilling the personal information such as phone number are supplied to trade company, cause cannot send electricity simultaneously
The situation of sub-bill occurs.
Described first network server is also possible to receive the described payment accounts pair that second webserver sends
The consumption grade label answered and division of life span's label；Described first network server is according to described consumption grade
Label and described division of life span's label push reward voucher targetedly to described second terminal.
Concrete, described first network server determine the consumption grade label with described payment accounts match,
And the type of merchandise provided is the default type of merchandise in division of life span's label that described payment accounts is corresponding
Businessman；
The reward voucher of described businessman is pushed to described second terminal by described first network server.
The consumption grade label of user may indicate that the consuming capacity of user, or shows the social class of user.
In the embodiment of the present invention, the type of merchandise that can be different determines different weighted values, such as commodity class
Type is electronic product, and weighted value is 1.2；The type of merchandise is clothes, and weighted value is 0.8 etc..Need explanation
, the weighted value of the type of merchandise can go to arrange according to practical situation.The weighted value of the type of merchandise is for being more than
The number of 0.The value of the dealing money that type of transaction is corresponding is the biggest, and the weighted value of this type of transaction can be the biggest.
After second webserver obtains the historical transactional information of described user, can be according to payment accounts
In historical transactional information, the weighted value of every kind of type of merchandise is multiplied with the dealing money of these commodity and obtains these commodity
The weighting dealing money of type, it is then determined that the weighting dealing money of every kind of type of merchandise in historical transactional information,
Finally obtain the weighting dealing money meansigma methods of historical transactional information, and average according to described weighting dealing money
Value determines the consumption grade label of described user.
Concrete, determine the historical transaction record of all payment accounts got, and determine this payment accounts
Weighting dealing money meansigma methods；
Determine that the weighting dealing money average bits of this payment accounts is in described all payment accounts got
Weighting dealing money meansigma methods in ranking, according to this payment accounts weighting dealing money meansigma methods row
Name and the mapping relations of consumption grade label, determine the consumption grade label of described user.
For example, the weighting dealing money meansigma methods of described all payment accounts got can be will be located in
Before middle ranking, the consumption grade label of all payment accounts of 1% determines the first estate；Will be located in described all
The consumption of all payment accounts of 1% before ranking in the weighting dealing money meansigma methods of the payment accounts got
Grade label determines the first estate；The weighting dealing money that will be located in described all payment accounts got is put down
In average, before ranking, the consumption grade label of all payment accounts between 3% to 1% determines the second grade；Will
Be positioned in the weighting dealing money meansigma methods of described all payment accounts got before ranking 15% to 3% it
Between the consumption grade label of all payment accounts determine the tertiary gradient；Will be located in described all get
The disappearing of all payment accounts between 47% to 15% before ranking in the weighting dealing money meansigma methods of the number of paying a bill
Expense grade label determines the fourth estate；Will be located in the weighting dealing money of described all payment accounts got
In meansigma methods, before ranking, the consumption grade label of all payment accounts between 85% to 47% determines the 5th etc.
Level；Will be located in the weighting dealing money meansigma methods of described all payment accounts got before ranking 94% to
The consumption grade label of all payment accounts between 85% determines the 6th grade；Will be located in described all acquisitions
To payment accounts weighting dealing money meansigma methods in the last 6% the consumption etc. of all payment accounts
Level label determines the 7th grade.It is of course also possible to there is the weighting dealing money of the payment accounts of other forms to put down
The ranking of average and the mapping relations of consumption grade label, do not repeat them here.
In the embodiment of the present invention, refer to the businessman that matches of consumption grade label, it is provided that commodity average
The price weighting dealing money meansigma methods corresponding with consumption grade label is in the businessman of same preset range.Example
As, the average sales price of the commodity that A businessman provides is 2000 yuan, the consumption grade label that payment accounts is corresponding
Weighting dealing money meansigma methods be 2300 yuan, then it is believed that A businessman is corresponding with this payment accounts
Consumption grade label matches.
At the same time it can also be determined the people of user corresponding to payment accounts by the historical transaction record of payment accounts
Raw phase tag.The type of merchandise preset in division of life span's label can have multiple.
For example, division of life span's label of user corresponding for payment accounts can be divided into following rank
Section: the unmarried stage, the standby wedding stage, the newly-married stage, the stage of nursing a baby, the child-bearing stage, the most stage by stage, empty nest
Stage, few stage.
Wherein, during the unmarried stage, the default type of merchandise is mainly the entertainment selections such as food, books, film；
During the standby wedding stage, the default type of merchandise is mainly the project such as high fashion, marriage articles for use；During the newly-married stage,
The projects such as the type of merchandise preset predominantly amusement, tourism；Nurse a baby the stage time, the default type of merchandise is main
For the articles for babies such as milk powder, diaper；During the child-bearing stage, the default type of merchandise is mainly spending for education etc.
Project；Time the most stage by stage, the default type of merchandise is mainly the projects such as social articles for use；During the empty-nest stage, in advance
If the type of merchandise be mainly the projects such as health product；During the few stage, the predominantly medical treatment of the default type of merchandise
Etc. project.
When the historical transactional information from described payment accounts determines the transaction count that a type of merchandise is corresponding
The threshold value corresponding more than this type of merchandise and this type of merchandise belong to the commodity class preset in division of life span's label
Type, then may determine that the division of life span's label residing for the user that described payment accounts is corresponding.
For example, if the friendship of the articles for babies such as milk powder and diaper in the historical transactional information of payment accounts
Easily number of times is 20 times, and the threshold value of milk powder and transaction count corresponding to diaper is 15 times, then can be true
The residing division of life span's label determining user corresponding to payment accounts is the stage of nursing a baby.
Described first network server receives user corresponding to payment accounts that second webserver sends
After consumption grade label and division of life span's label, it is possible to deposited according in described first network server
The reward voucher of businessman of storage, be the second terminal push the consumption grade label with described payment accounts match,
And the type of merchandise provided is the default type of merchandise in division of life span's label that described payment accounts is corresponding
The coupon information of businessman.
Based on above-mentioned discussion, as in figure 2 it is shown, a kind of electronic bill sender provided for the embodiment of the present invention
Method schematic flow sheet.
Seeing Fig. 2, the method includes below scheme:
Step 201: second webserver receives the payment information that first terminal sends, described payment information
Include payment accounts；
Step 202: described second webserver completes to pay backward described first according to described payment information
Terminal return pay success message, in order to described first terminal according to described payment success message to first network
Server sends payment information and transaction authentication information, so that described first network server is according to institute
State payment information and described transaction authentication information generates electronic bill.
In step 201, payment information can also include any one or more among following:
Time of payment；
Reward voucher；
Merchant name；
Second terminal iidentification；Second terminal iidentification can be IMSI, IMEI, MSISDN, it is also possible to is it
Its application layer is used for identifying customer equipment identification information, such as outer logo.Can also is that IP address is believed
Breath etc.；
First terminal identifies；First terminal mark can be IMSI, IMEI, MSISDN, it is also possible to is it
Its application layer is used for identifying customer equipment identification information, such as outer logo.Can also is that IP address is believed
Breath etc.；
Commodity amount；
O/No.；
Seller addresses；
Invoice new line information.
Described payment information is also possible that the type of merchandise.
In step 202, described second webserver obtains the historical transactional information that described payment accounts is corresponding,
Described historical transactional information includes dealing money, the type of merchandise；
The dealing money meansigma methods of described payment accounts is determined according to described dealing money, and according to described transaction
Amount of money meansigma methods and the type of merchandise determine the weighting dealing money meansigma methods of described payment accounts, and according to institute
State weighting dealing money meansigma methods and determine the consumption grade label of user corresponding to described payment accounts；
The feature type of merchandise of described payment accounts, institute is determined from the type of merchandise that described payment accounts is concluded the business
State the feature type of merchandise be threshold value that transaction count corresponding to this type of merchandise is corresponding more than this type of merchandise and
This type of merchandise belongs to the type of merchandise preset in division of life span's label；
The division of life span's mark residing for the user that described payment accounts is corresponding is determined according to the described feature type of merchandise
Sign；
By user corresponding with described payment accounts for the consumption grade label of user corresponding for described payment accounts
Division of life span's label be sent to described first network server, in order to described first network server is according to institute
State the life rank consuming the grade label user corresponding with described payment accounts of user corresponding to payment accounts
Segment mark label are that the second terminal of the E-Payment client being mounted with to bind described payment accounts pushes reward voucher.
It is referred in step 103 about consumption grade label and the definition of division of life span's label or explanation
Description, do not repeat them here.
Said method flow process is described in detail below by specific embodiment.
As described in Figure 3, a kind of operation flow schematic diagram processing electronic bill provided for the embodiment of the present invention.
Step 301, the second terminal is set up with first terminal after being connected, is sent payment accounts etc. to first terminal
Information, in order to complete to pay.
Step 302, first terminal generates, according to information such as payment accounts, the request of payment, and payment request is sent out
Give second webserver.
Step 303, second webserver carries out delivery operation according to the payment request received.
Step 304, second webserver sends to first terminal after payment completes and pays completion message.
Step 305, after first terminal receives payment completion message, obtains transaction authentication information.
Step 306, payment information and transaction authentication information etc. are sent to first network service by first terminal
Device.
Step 307, first network server generates electronic bill according to payment information and transaction authentication information.
Step 308, the electronic bill of generation is pushed to the second terminal by first network server.
Optionally, it is also possible to comprise the following steps:
Step 309, second webserver sends, to first network server, the use that described payment accounts is corresponding
The consumption grade label at family and division of life span's label.
Step 310, first network server is according to the consumption grade label received and division of life span's label
Determine the reward voucher of correspondence, and push the reward voucher determined to the second terminal.
Based on identical technology design, the embodiment of the present invention also provides for a kind of electricity provided into the embodiment of the present invention
Sub-bill dispensing device, this device can perform said method embodiment.
As shown in Figure 4, a kind of electronic bill dispensing device provided for the embodiment of the present invention.
Seeing Fig. 4, this device includes:
Receive unit 401, for receiving payment information and transaction authentication information, the institute that first terminal sends
State payment information and include payment accounts；Described payment information and described transaction authentication information are described first
Terminal sends after second webserver completes delivery operation according to described payment information determining；
Signal generating unit 402, for generating electronic ticket according to described payment information and described transaction authentication information
According to；
Transmitting element 403, for described electronic bill is sent to the second terminal, described second terminal is peace
Fill the terminal of the E-Payment client of the described payment accounts of binding.
Preferably, described signal generating unit 402 specifically for:
Described first network server generates certification according to described transaction authentication information by hash algorithm and identifies
Symbol；
Described first network server generates pay bills according to described payment information；
Described authentication identifier is embedded described pay bills and obtains described electronics by described first network server
Bill.
Preferably, described reception unit 401 is additionally operable to:
Receive consumption grade label corresponding to described payment accounts and life that second webserver sends
Phase tag；
Described transmitting element 403 is additionally operable to:
Push preferential according to described consumption grade label and described division of life span's label to described second terminal
Certificate.
Preferably, described payment information also includes the type of merchandise；
Described signal generating unit 402 is additionally operable to:
Determine that the consumption grade label with described payment accounts matches and the type of merchandise that provides is described
The businessman of the default type of merchandise in division of life span's label that the number of paying a bill is corresponding；
Described transmitting element 403 is additionally operable to:
The reward voucher of described businessman is pushed to described second terminal.
As it is shown in figure 5, a kind of electronic bill dispensing device provided for the embodiment of the present invention.
Seeing Fig. 5, this device includes:
Receiving unit 501, for receiving the payment information that first terminal sends, described payment information includes
Payment accounts；
Transmitting element 502, for completing to pay the return of backward described first terminal according to described payment information
Pay success message, in order to described first terminal sends to first network server according to described payment success message
Payment information and transaction authentication information, so that described first network server is according to described payment information
And described transaction authentication information generates electronic bill.
Preferably, described payment information also includes the type of merchandise；
Described transmitting element 502 is additionally operable to:
Obtain the historical transactional information that described payment accounts is corresponding, described historical transactional information include dealing money,
The type of merchandise；
The dealing money meansigma methods of described payment accounts is determined according to described dealing money, and according to described transaction
Amount of money meansigma methods and the type of merchandise determine the weighting dealing money meansigma methods of described payment accounts, and according to institute
State weighting dealing money meansigma methods and determine the consumption grade label of user corresponding to described payment accounts；
The feature type of merchandise of described payment accounts, institute is determined from the type of merchandise that described payment accounts is concluded the business
State the feature type of merchandise be threshold value that transaction count corresponding to this type of merchandise is corresponding more than this type of merchandise and
This type of merchandise belongs to the type of merchandise preset in division of life span's label；
The division of life span's mark residing for the user that described payment accounts is corresponding is determined according to the described feature type of merchandise
Sign；
By user corresponding with described payment accounts for the consumption grade label of user corresponding for described payment accounts
Division of life span's label be sent to described first network server, in order to described first network server is according to institute
State the life rank consuming the grade label user corresponding with described payment accounts of user corresponding to payment accounts
Segment mark label are that the second terminal of the E-Payment client being mounted with to bind described payment accounts pushes reward voucher.
The present invention is with reference to method, equipment (system) and computer program product according to embodiments of the present invention
The flow chart of product and/or block diagram describe.It should be understood that can by computer program instructions flowchart and
/ or block diagram in each flow process and/or flow process in square frame and flow chart and/or block diagram and/
Or the combination of square frame.These computer program instructions can be provided to general purpose computer, special-purpose computer, embedding
The processor of formula datatron or other programmable data processing device is to produce a machine so that by calculating
The instruction that the processor of machine or other programmable data processing device performs produces for realizing at flow chart one
The device of the function specified in individual flow process or multiple flow process and/or one square frame of block diagram or multiple square frame.
These computer program instructions may be alternatively stored in and computer or the process of other programmable datas can be guided to set
In the standby computer-readable memory worked in a specific way so that be stored in this computer-readable memory
Instruction produce and include the manufacture of command device, this command device realizes in one flow process or multiple of flow chart
The function specified in flow process and/or one square frame of block diagram or multiple square frame.
These computer program instructions also can be loaded in computer or other programmable data processing device, makes
Sequence of operations step must be performed to produce computer implemented place on computer or other programmable devices
Reason, thus the instruction performed on computer or other programmable devices provides for realizing flow chart one
The step of the function specified in flow process or multiple flow process and/or one square frame of block diagram or multiple square frame.
Although preferred embodiments of the present invention have been described, but those skilled in the art once know base
This creativeness concept, then can make other change and amendment to these embodiments.So, appended right is wanted
Ask and be intended to be construed to include preferred embodiment and fall into all changes and the amendment of the scope of the invention.
Obviously, those skilled in the art can carry out various change and modification without deviating from this to the present invention
Bright scope.So, if the present invention these amendment and modification belong to the claims in the present invention scope it
In, then the present invention is also intended to comprise these change and modification.
Claims (12)
1. an electronic bill sending method, it is characterised in that the method includes:
The payment information of first network server reception first terminal transmission and transaction authentication information, described
The information of paying includes payment accounts；Described payment information and described transaction authentication information are described first terminals
Send after second webserver completes delivery operation according to described payment information determining；
Described first network server generates electronics according to described payment information and described transaction authentication information
Bill；
Described electronic bill is sent to the second terminal by described first network server, and described second terminal is peace
Fill the terminal of the E-Payment client of the described payment accounts of binding.
2. the method for claim 1, it is characterised in that described first network server is according to institute
State payment information and described transaction authentication information generates electronic bill, including:
Described first network server generates certification according to described transaction authentication information by hash algorithm and identifies
Symbol；
Described first network server generates pay bills according to described payment information；
Described authentication identifier is embedded described pay bills and obtains described electronics by described first network server
Bill.
3. the method for claim 1, it is characterised in that the method also includes:
Described first network server receives use corresponding to described payment accounts that second webserver sends
The consumption grade label at family and division of life span's label；
Described first network server according to described consumption grade label and described division of life span's label to institute
State the second terminal and push reward voucher.
4. method as claimed in claim 3, it is characterised in that also include commodity in described payment information
Type；
Described first network server according to described consumption grade label and described division of life span's label to institute
State the second terminal and push reward voucher, including:
Described first network server determines that the consumption grade label with described payment accounts matches and provides
The type of merchandise be in division of life span's label corresponding to described payment accounts preset with in described payment information
The businessman that matches of the type of merchandise；
The reward voucher of described businessman is pushed to described second terminal by described first network server.
5. an electronic bill sending method, it is characterised in that the method includes:
Second webserver receives the payment information that first terminal sends, and described payment information includes paying
Account；
Described second webserver completes to pay backward described first terminal according to described payment information and returns
Pay success message, in order to described first terminal is sent out to first network server according to described payment success message
Send payment information and transaction authentication information.
6. method as claimed in claim 5, it is characterised in that also include commodity in described payment information
Type；
The method also includes:
Described second webserver obtains the historical transactional information that described payment accounts is corresponding, and described history is handed over
Easily information includes dealing money, the type of merchandise；
The dealing money meansigma methods of described payment accounts is determined according to described dealing money, and according to described transaction
Amount of money meansigma methods and the type of merchandise determine the weighting dealing money meansigma methods of described payment accounts, and according to institute
State weighting dealing money meansigma methods and determine the consumption grade label of user corresponding to described payment accounts；
The feature type of merchandise of described payment accounts, institute is determined from the type of merchandise that described payment accounts is concluded the business
State the feature type of merchandise be threshold value that transaction count corresponding to this type of merchandise is corresponding more than this type of merchandise and
This type of merchandise belongs to the type of merchandise preset in division of life span's label；
The division of life span's mark residing for the user that described payment accounts is corresponding is determined according to the described feature type of merchandise
Sign；
By user corresponding with described payment accounts for the consumption grade label of user corresponding for described payment accounts
Division of life span's label be sent to described first network server, in order to described first network server is according to institute
State the life rank consuming the grade label user corresponding with described payment accounts of user corresponding to payment accounts
Segment mark label are that the second terminal of the E-Payment client being mounted with to bind described payment accounts pushes reward voucher.
7. an electronic bill dispensing device, it is characterised in that this device includes:
Receive unit, for receiving payment information and the transaction authentication information that first terminal sends, described
The information of paying includes payment accounts, the type of merchandise；Described payment information and described transaction authentication information are institutes
State first terminal and send after second webserver completes delivery operation according to described payment information determining；
Signal generating unit, for generating electronic bill according to described payment information and described transaction authentication information；
Transmitting element, for described electronic bill is sent to the second terminal, described second terminal is to described
First terminal sends the terminal of described payment accounts.
8. device as claimed in claim 7, it is characterised in that described signal generating unit specifically for:
Authentication identifier is generated by hash algorithm according to described transaction authentication information；
Pay bills are generated according to described payment information；
Described authentication identifier is embedded described pay bills and obtains described electronic bill.
9. device as claimed in claim 7, it is characterised in that described reception unit is additionally operable to:
Receive consumption grade label corresponding to described payment accounts and life that second webserver sends
Phase tag；
Described transmitting element is additionally operable to:
Push preferential according to described consumption grade label and described division of life span's label to described second terminal
Certificate.
10. device as claimed in claim 9, it is characterised in that also include commodity in described payment information
Type；
Described transmitting element specifically for:
Determine that the consumption grade label with described payment accounts matches and the type of merchandise that provides is described
Presetting in division of life span's label that the number of paying a bill is corresponding matches with the type of merchandise in described payment information
Businessman；
The reward voucher of described businessman is pushed to described second terminal.
11. 1 kinds of electronic bill dispensing devices, it is characterised in that this device includes:
Receiving unit, for receiving the payment information that first terminal sends, described payment information includes paying
Account, the type of merchandise；
Transmitting element, pays into for completing to pay the return of backward described first terminal according to described payment information
Merit message, in order to described first terminal sends payment according to described payment success message to first network server
Information and transaction authentication information.
12. devices as claimed in claim 11, it is characterised in that described transmitting element is additionally operable to:
Obtain the historical transactional information that described payment accounts is corresponding, described historical transactional information include dealing money,
The type of merchandise；
The dealing money meansigma methods of described payment accounts is determined according to described dealing money, and according to described transaction
Amount of money meansigma methods and the type of merchandise determine the weighting dealing money meansigma methods of described payment accounts, and according to institute
State weighting dealing money meansigma methods and determine the consumption grade label of user corresponding to described payment accounts；
The feature type of merchandise of described payment accounts, institute is determined from the type of merchandise that described payment accounts is concluded the business
State the feature type of merchandise be threshold value that transaction count corresponding to this type of merchandise is corresponding more than this type of merchandise and
This type of merchandise belongs to the type of merchandise preset in division of life span's label；
The division of life span's mark residing for the user that described payment accounts is corresponding is determined according to the described feature type of merchandise
Sign；
By user corresponding with described payment accounts for the consumption grade label of user corresponding for described payment accounts
Division of life span's label be sent to described first network server, in order to described first network server is according to institute
State the life rank consuming the grade label user corresponding with described payment accounts of user corresponding to payment accounts
Segment mark label are that the second terminal of the E-Payment client being mounted with to bind described payment accounts pushes reward voucher.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510646861.1A CN105931090A (en) | 2015-10-08 | 2015-10-08 | Electronic bill sending method and device |
| PCT/CN2016/099392 WO2017059765A1 (en) | 2015-10-08 | 2016-09-19 | Electronic bill sending method and apparatus |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510646861.1A CN105931090A (en) | 2015-10-08 | 2015-10-08 | Electronic bill sending method and device |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN105931090A true CN105931090A (en) | 2016-09-07 |
Family
ID=56840307
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201510646861.1A Pending CN105931090A (en) | 2015-10-08 | 2015-10-08 | Electronic bill sending method and device |
Country Status (2)
| Country | Link |
|---|---|
| CN (1) | CN105931090A (en) |
| WO (1) | WO2017059765A1 (en) |
Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2017059765A1 (en) * | 2015-10-08 | 2017-04-13 | 中国银联股份有限公司 | Electronic bill sending method and apparatus |
| CN106911478A (en) * | 2017-02-27 | 2017-06-30 | 山东浪潮商用系统有限公司 | The receipt information acquisition control system and method for a kind of lower coupling |
| CN106960334A (en) * | 2017-03-20 | 2017-07-18 | 泰华智慧产业集团股份有限公司 | Public affair bill correlating method and system based on real-name authentication |
| CN107993105A (en) * | 2017-11-29 | 2018-05-04 | 拉卡拉支付股份有限公司 | Invoices processing method and device, invoice generation and printing equipment, wearable device |
| CN111507783A (en) * | 2020-04-13 | 2020-08-07 | 卓尔智联(武汉)研究院有限公司 | Electronic bill pushing method and device, block chain link point equipment and storage medium |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN102663631A (en) * | 2012-03-22 | 2012-09-12 | 瑞达信息安全产业股份有限公司 | An electronic bill generating method for mobile payment |
| CN104008478A (en) * | 2013-02-21 | 2014-08-27 | 脑多多科技有限公司 | System and method for generating and confirming electronic receipt |
Family Cites Families (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20140195359A1 (en) * | 2013-01-07 | 2014-07-10 | Andrew William Schulz | System and Method for Computer Automated Payment of Hard Copy Bills |
| CN105931090A (en) * | 2015-10-08 | 2016-09-07 | 中国银联股份有限公司 | Electronic bill sending method and device |
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2015
- 2015-10-08 CN CN201510646861.1A patent/CN105931090A/en active Pending
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2016
- 2016-09-19 WO PCT/CN2016/099392 patent/WO2017059765A1/en active Application Filing
Patent Citations (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102663631A (en) * | 2012-03-22 | 2012-09-12 | 瑞达信息安全产业股份有限公司 | An electronic bill generating method for mobile payment |
| CN104008478A (en) * | 2013-02-21 | 2014-08-27 | 脑多多科技有限公司 | System and method for generating and confirming electronic receipt |
Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2017059765A1 (en) * | 2015-10-08 | 2017-04-13 | 中国银联股份有限公司 | Electronic bill sending method and apparatus |
| CN106911478A (en) * | 2017-02-27 | 2017-06-30 | 山东浪潮商用系统有限公司 | The receipt information acquisition control system and method for a kind of lower coupling |
| CN106960334A (en) * | 2017-03-20 | 2017-07-18 | 泰华智慧产业集团股份有限公司 | Public affair bill correlating method and system based on real-name authentication |
| CN107993105A (en) * | 2017-11-29 | 2018-05-04 | 拉卡拉支付股份有限公司 | Invoices processing method and device, invoice generation and printing equipment, wearable device |
| CN111507783A (en) * | 2020-04-13 | 2020-08-07 | 卓尔智联(武汉)研究院有限公司 | Electronic bill pushing method and device, block chain link point equipment and storage medium |
Also Published As
| Publication number | Publication date |
|---|---|
| WO2017059765A1 (en) | 2017-04-13 |
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