CN107274169A

CN107274169A - A kind of payment system and method that member card is shared based on mobile Internet

Info

Publication number: CN107274169A
Application number: CN201710427391.9A
Authority: CN
Inventors: 卫俊锋; 卫勇
Original assignee: Beijing Happy Technology Co Ltd
Current assignee: Beijing Happy Technology Co Ltd
Priority date: 2017-06-08
Filing date: 2017-06-08
Publication date: 2017-10-20

Abstract

A kind of payment system and method that member card is shared based on mobile Internet, electronics member card, the mobile intelligent terminal for the user being allocated to including member and the commerce system and the first Quick Response Code that are supplied to trade company including being allocated to member；Mobile intelligent terminal is communicated with the commerce system and is connected；Mobile intelligent terminal includes wechat payment software, bank or Unionpay's payment software, Alipay software or other Third-party payment softwares；Commerce system includes member's clamp account automatically-generating module, membership and member's Card Type generation module, membership and member card type identification module, cash flow determination module under trade company's register, trade company's register；Effectively prevent can not reclaim fund in the card that trade company reduces corresponding to remaining sum, member automatically the defect for the purpose lowered the threshold can not be reached by way of sharing member card to circle of friends promotion when entity member card card taking present in prior art also blocks time and inconvenience spatially, circle of friends promotion.

Description

A kind of payment system and method that member card is shared based on mobile Internet

Technical field

The present invention relates to mobile payment technical field, member card mobile payment field is especially shared, and in particular to a kind of The payment system and method for member card are shared based on mobile Internet.

Background technology

Member card refers to the member that regular identity identification card, including market, hotel, fitness center, wineshop etc. consume place Certification.Widely, all places for involving the need for recognizing identity all may be used on identification card, such as learn their purposes School, club, company, office, group etc..Membership-based services are also a kind of service management pattern of current trend, and it can be carried The turn-head-rate of high customer, improves customer to business loyalty degree.Many service industries all take such service mode, member system Form majority all show as member card.

Thus it is a kind of major way that trade company carries out the marketing just to determine member card.Trade company is solidified with member card The consumption of user is pointed to, to realize the target for doing long-term objective business.Member's Card Type mainly has following three kinds of shapes in the market Formula：

(1) without the discount type that prestores：Member need not prestore cash.Member to shop consume when using spending amount be radix by agreement Discount to trade company's cash payment.For example：Member card 8 foldings of enjoyment are preferential, then actual when the spending amount of member is 100 yuan 80 yuan are paid to trade company.

(2) discount that prestores type：Member prestores the cash of certain number in trade company.Member to shop consume when, trade company is to consume The amount of money is that radix directly reduces remaining sum in card by the discount of agreement, and member is without cash payment.For example：Prestore 1000 yuan, member Card 8 foldings of enjoyment are preferential, then when member's spending amount is 100 yuan, trade company directly reduces 80 yuan from remaining sum in card.

(3) prestore the type of supplementing with money：Member prestores the cash of certain number in trade company, trade company according to cash number class, separately Give part and be of use value.Member to shop consume when, trade company is directly reduced remaining sum in card by spending amount, and member is without Zhi Fuxian Gold.For example：Prestore 1000 yuan, trade company, which separately gives 300 yuan, is of use value, and the interior remaining sum of card is 1300 yuan, then when member's spending amount is At 100 yuan, trade company directly reduces 100 yuan from remaining sum in card.

And trade company during member card use because be related to internal finance adjust etc. factor restriction, give the excellent of member Favour allowance must be corresponded with member's card number, it requires that must hold entity card when member consumes to shop carries out bankcard consumption.Separately Outer portion trade company member for convenience, is substituted to hold entity and snap into shop using modes such as report cell-phone number, card number or passwords and disappears The scheme taken.The program causes the risk of economic dispute because there is the potential safety hazards such as membership information leakage, especially for pre- The risk for depositing type member card is bigger, additionally there are following defect：

(1) under the overall background that mobile Internet has been popularized, user's carrying entity card progress bankcard consumption exists many Inconvenience, such as leaves behind, loses；

(2) it is unfavorable for trade company and expands customer group using member card.Trade company seldom requires that member card must only have member's sheet The talent can be consumed, and promotion can be carried out to circle of friends by being more desirable to member, and shared member card is preferential, to reach expansion customer base Body, increases the purpose of business revenue.But under present condition, member does not only exist card taking and also blocks time and sky to during circle of friends promotion Between on inconvenience, especially in the case of the type of prestoring, member can not reclaim the fund corresponding to remaining sum in the card that trade company reduces automatically.

(3) it is unfavorable for the enthusiasm that user handles member card in trade company.User handles member card under present condition, only The Sharp criterias such as consumption number of times, the spending amount of trade company's setting are reached by my consuming capacity, could enjoy corresponding Special discount.

In summary, there is foregoing entity member card card taking and also block time and inconvenience spatially, during circle of friends promotion The fund corresponding to remaining sum in the card that trade company reduces can not be reclaimed automatically, and member can not be by circle of friends promotion, to share meeting The mode of member's card, reaches the purpose lowered the threshold.

The content of the invention

To solve the above problems, the invention provides a kind of payment system and side that member card is shared based on mobile Internet Method, effectively prevent entity member card card taking present in prior art and also blocks time and inconvenience, circle of friends promotion spatially Shi Buneng reclaims fund in the card that trade company reduces corresponding to remaining sum, member automatically can not be by sharing meeting to circle of friends promotion The mode of member's card reaches the defect for the purpose lowered the threshold.

In order to overcome deficiency of the prior art, the invention provides a kind of branch that member card is shared based on mobile Internet The solution of system and method is paid, it is specific as follows：

It is a kind of that the payment system of member card is shared based on mobile Internet, including the electronics member card of member is allocated to, separately The outer commerce system and for also including the mobile intelligent terminal for the user being allocated to including member and being supplied to trade company One Quick Response Code；

The mobile intelligent terminal is communicated with the commerce system and is connected；

The mobile intelligent terminal include wechat payment software, bank or Unionpay's payment software, Alipay software or its His Third-party payment software；

The commerce system includes member's clamp account automatically-generating module, Hui Yuanshen under trade company's register, trade company's register Part and member's Card Type generation module, membership and member card type identification module, cash flow determination module.

Further, the mobile intelligent terminal is smart mobile phone, PDA, notebook computer or palm PC.

Further, the commerce system includes server or PC, the mobile intelligent terminal and server or PC Communicate connection；The server or PC include member's clamp account automatically-generating module under trade company's register, trade company's register, Membership and member's Card Type generation module, membership and member card type identification module, cash flow determination module；Institute It also can be independently of the intermediate server outside the commerce system to state server；The commerce system can also include providing It is described to be supplied to the mobile intelligent terminal of trade company to communicate company with the server or PC to the mobile intelligent terminal of trade company Connect.

Further, the member card includes supplementing with money without discount type member card, the discount that the prestores type member card and prestoring of prestoring The member card of these three types of type member card.

Further, the method for the payment system that member card is shared based on mobile Internet, is comprised the following steps：

Step 1：When trade company is that member handles member card, by membership and member's Card Type generation module in trade company The type and the preference scheme for the member card of the member card are set in system, and automatically generate the member card card number and In the second Quick Response Code as unique identifier corresponding with the card number, the mobile intelligent terminal that member is configured with it Wechat payment software, bank or Unionpay's payment software, Alipay software or other Third-party payment software scans the two or two Tie up after code, the membership and member's Card Type generation module of the mobile intelligent terminal and commerce system just bind the member automatically Mobile intelligent terminal account and the electronics member card card number；

Step 2：After the mobile intelligent terminal account of member and the card number binding of the electronics member card, member can pass through Its mobile intelligent terminal configured adds the parent of the user as emotional affection personnel under the mobile intelligent terminal account of the member The emotional affection number and friend number, are sent to commerce system in addition and neutralize the member by feelings number and the friend number of user as friend The card number of electronics member card mutually bound of mobile intelligent terminal account be associated, it is possible in circle of friends promotion member card or Merchant information, the emotional affection number and friend number be respectively as emotional affection personnel user mobile intelligent terminal account and be used as friend The mobile intelligent terminal account of the user of friend；When the wechat payment software in the mobile intelligent terminal that user is configured using it, Bank or Unionpay's payment software, the first Quick Response Code of Alipay software or other Third-party payment software scans trade companies simultaneously input meeting During the card number of member's card, the mobile intelligent terminal account of the mobile intelligent terminal and the card number of member card are just sent to commerce system In, the mobile intelligence of the member bound in the card number for the member card that membership and member card type identification module are received with regard to basis Emotional affection number that can be associated by the card number of terminal account and the member card and friend number come automatically identify the user be member, The user corresponding to user or friend number corresponding to emotional affection number, and identify the type of the member card.

Further, when the wechat branch in the mobile intelligent terminal that user is configured using it described in the step 2 Pay the first Quick Response Code of software, bank or Unionpay's payment software, Alipay software or other Third-party payment software scans trade companies And when inputting the card number of member card, just the mobile intelligent terminal account of the mobile intelligent terminal and the card number of member card are sent to In commerce system, membership and member card type identification module are with regard to the member bound in the card number according to the member card received Mobile intelligent terminal account and the member card card number associated by emotional affection number and friend number be to automatically identify the user The user corresponding to user or friend number corresponding to member, emotional affection number, if the user is unrecognized out, that is, When the user is not present in the commerce system, if the card number of user input member card is present in the commerce system, Or by the mobile terminal account of the payment system default configuration, the so user that member card is shared based on mobile Internet It can be just automatically added to by the payment system that member card is shared based on mobile Internet as friend number in the commerce system And it is associated with the card number of the member card.

The method of the payment system that member card is shared based on mobile Internet, is also comprised the following steps：

Step 3：It is member, the user corresponding to emotional affection number or friend institute to identify the user in step 2 Corresponding user, and identify after the type of the member card, when user needs cash payment, the stream of the adjust automatically cash To the mode for specifically adjusting the flow direction of the cash is as follows：

1. when member card prestores discount type member card for nothing, user uses the wechat in the mobile intelligent terminal to pay The electronic cash of payment is flowed to business by software, bank or Unionpay's payment software, Alipay software or other Third-party payment softwares The account at family；

2. when member card for prestore discount type member card when, if user is member or emotional affection number corresponding user, The user is without using the wechat payment software in the mobile intelligent terminal, bank or Unionpay's payment software, Alipay software Or other Third-party payment softwares pay electronic cash, trade company is by the cash flow determination module in commerce system to consume The amount of money is reduced the remaining sum in member card for radix automatically by agreement discount；If user is friend number corresponding user, the user By radix of spending amount wechat payment software, bank or the Unionpay in the mobile intelligent terminal are used by the discount after adjustment Payment software, Alipay software or other Third-party payment softwares pay electronic cash, and the electronic cash flows to the silver of member Row card, while trade company presses agreement discount by the cash flow determination module in commerce system come automatic by radix of spending amount Reduce the remaining sum in member card；

3. supplement type member card with money when member card to prestore, if user is member or emotional affection number corresponding user, The user is without using the wechat payment software in the mobile intelligent terminal, bank or Unionpay's payment software, Alipay software Or other Third-party payment softwares pay electronic cash, trade company is by the cash flow determination module in commerce system to consume The amount of money reduces the remaining sum in member card for radix automatically；If user is friend number corresponding user, the user is with spending amount For radix by adjustment after discount use the mobile intelligent terminal in wechat payment software, bank or Unionpay's payment software, Alipay software or other Third-party payment softwares pay electronic cash, and the electronic cash flows to the bank card of member, simultaneously Trade company is by the cash flow determination module in commerce system by radix of spending amount come the automatic remaining sum reduced in member card；

In addition when member card prestores discount type member card for nothing, the electronic cash that user pays reaches the account of trade company Afterwards, without creating sub- account again；Discount type member card or prestore to prestore when member card and supplement type member card with money, user needs branch When paying electronic cash, the electronic cash reaches the bank card of the member, then member's clamp account automatically generates mould under trade company's register It is corresponding with the bank card of the member card that block automatically creates sub- account under trade company's register.

The payment system for sharing member card based on mobile Internet can set Interest Main Body, the Interest Main Body bag Include member, the user corresponding to the emotional affection number of member's setting, trade company, Third-party payment company, the use corresponding to friend number Family, business personnel and platform service provider；Interests computational methods for the Interest Main Body are as follows：

1. described in the expense of Third-party payment company rate is announced by Third-party payment company official, the expense undertakes master Body is set as trade company, user or other relevant benefit sides, and wherein trade company and user is used as the Third-party payment for undertaking main body The calculation of the expense of company is：

Third-party payment corporate expense=user's actual delivery cash number × Third-party payment Company Rate；

2. the method for determining trade company's discount is as follows：

(1) when member card prestores discount type member card for nothing, trade company's discount is agreement discount；

(2) when member card is to prestore discount type member card, trade company's discount is agreement discount；

(3) when supplementing type member card with money when member card to prestore, trade company's discount is calculated as：User prestores cash number ÷ (users Cash number+the trade company that prestores gives and supplements number with money), or be scaled：User prestores, and cash number ÷ trade companies are actual to supplement sum with money；

3. the method for calculating trade company's business revenue or member's capital is as follows：

Trade company's business revenue or member's capital=spending amount × trade company's discount；

4. the method for calculating the radix that can reallocate is as follows：

(1) as the user corresponding to the emotional affection number that user is member or member's setting：

Can be reallocated radix=0；

(2) when user be friend number corresponding to user when：

Can be reallocated radix=spending amount × (1- trade companies discount)；

.5. the method for ratio of the setting Interest Main Body in the radix that can reallocate is as follows：

Each Interest Main Body ratio is total to be equal to 100%；

6. the method for calculating reallocation deserved income of the Interest Main Body in the radix that can reallocate is as follows：

Deserved income=the radix that can the reallocate × member's ratio of member's reallocation；

Deserved income=the radix that can the reallocate × trade company's ratio of trade company's reallocation；

Deserved income=the radix that can the reallocate × business personnel's ratio of business personnel's reallocation；

Deserved income=the radix that can the reallocate × platform business's ratio of platform business reallocation；

Deserved income=the radix that can the reallocate × user's ratio of user's reallocation；

7. the method for calculating Interest Main Body reallocation actual gain is as follows：

(1) in Third-party payment corporate expense under conditions of user undertakes：

The member's reallocation actual gain=deserved income of member's reallocation；

The trade company's reallocation actual gain=deserved income of trade company's reallocation；

The business personnel's reallocation actual gain=deserved income of business personnel's reallocation；

The platform business reallocation actual gain=deserved income of platform business reallocation；

(2) in Third-party payment corporate expense under conditions of trade company undertakes：

Member's actual gain=deserved the income of member × (1- Third-party payments Company Rate)；

Trade company's actual gain=deserved the income of trade company × (1- Third-party payments Company Rate)；

Business personnel's actual gain=deserved the income of business personnel × (1- Third-party payments Company Rate)；

The platform business actual gain=deserved income of platform business × (1- Third-party payments Company Rate)；

The expense that the actual gain of the Interest Main Body is not produced in addition including withdrawing deposit or transferring accounts is reduced；

Answer the method for cash payment base number as follows 8. calculating user：

(1) when member card prestores discount type member card for nothing：

A, when user be member or member setting emotional affection number corresponding to user when：

User answers cash payment radix=spending amount × trade company's discount；

B, when user be friend number corresponding to user when：

User answers cash payment radix=spending amount-deserved income of user's reallocation；

(2) when member card is to prestore discount type member card：

User is without cash payment；

B, when user be friend number corresponding to friend when：

(3) when supplementing type member card with money when member card to prestore：

User is without cash payment；

B, when user be friend number corresponding to user when：

9. it is as follows to calculate the actual method for answering cash payment number of user：

User is actual to answer cash payment number=user to answer cash payment radix ÷ (1- Third-party payments Company Rate)；

User is actual to answer cash payment number=user to answer cash payment radix；

10. the method that calculating trade company member card remaining sum is reduced is as follows：

(1) when member card prestores discount type member card for nothing：Remaining sum in card need not be reduced.

(2) when member card is to prestore discount type member card：

A, in Third-party payment corporate expense under conditions of user undertakes：

Trade company's member card reduces number=spending amount × trade company's discount；

B, in Third-party payment corporate expense under conditions of trade company undertakes：

Trade company's member card reduces number=spending amount × trade company's discount × (1- Third-party payments Company Rate)；

(3) when supplementing type member card with money in member card to prestore：

Trade company's member card reduces number=spending amount number；

Trade company's member card reduces number=spending amount × (1- Third-party payments Company Rate)；

11. the method for calculating user's true discount is as follows：

User's true discount=trade company's discount；

B, when user be friend number corresponding to user when：

User's true discount=user's actual delivery cash number ÷ spending amounts.

Further, the mobile intelligent terminal account is WeChat ID, Alipay account or platform as cell-phone number Account.

Beneficial effects of the present invention are：

1st, in the present invention, by the binding of member card and mobile intelligent terminal account, member need not carry member card, Do not have the worry for losing member card；

2nd, in the present invention, the actual business revenue interests of trade company had both been ensure that, have ensured that the normal of member preferential makes again With；

3rd, in the present invention, member is set by emotional affection number, and it is preferential to share member card between relatives, eliminates relatives Between inconvenience on card taking also card time and space, also expand customer group for trade company and provide creative solution.

4th, in the present invention, member not only can be brought more customers for trade company, can also be returned by circle of friends promotion Capital is received, member card threshold is reduced.Creatively realize trade company, member, user, business personnel, platform business, third party's branch simultaneously The win-win progress of each relevant benefit main body such as Fu companies.

Brief description of the drawings

Fig. 1 is the overall structure diagram of the payment system that member card is shared based on mobile Internet of the present invention；

Embodiment

The present invention is described further below in conjunction with drawings and examples.

Embodiment 1

The payment system of member card is shared based on mobile Internet, including is allocated to the electronics member card of member, in addition also The mobile intelligent terminal for including the user being allocated to including member and the commerce system for being supplied to trade company and the one or two Tie up code；

The method of the payment system that member card is shared based on mobile Internet, is comprised the following steps：

Step 1：When trade company is that member handles member card, by membership and member's Card Type generation module in trade company The type and the preference scheme for the member card of the member card are set in system, and automatically generate the member card card number and In the second Quick Response Code as unique identifier corresponding with the card number, the mobile intelligent terminal that member is configured with it Wechat payment software, bank or Unionpay's payment software, Alipay software or other Third-party payment software scans the two or two Tie up after code, the membership and member's Card Type generation module of the mobile intelligent terminal and commerce system just bind the member automatically Mobile intelligent terminal account and the electronics member card card number；Thus commerce system and it is allocated to the mobile intelligent terminal of member In be achieved that and automatically generate the information of member card, the contents such as consumption details can also be generated with this.

Step 2：After the mobile intelligent terminal account of member and the card number binding of the electronics member card, member can pass through Its mobile intelligent terminal configured adds the parent of the user as emotional affection personnel under the mobile intelligent terminal account of the member The emotional affection number and friend number, are sent to commerce system in addition and neutralize the member by feelings number and the friend number of user as friend The card number of electronics member card mutually bound of mobile intelligent terminal account be associated, it is possible in circle of friends promotion member card or Merchant information, the emotional affection number and friend number be respectively as emotional affection personnel user mobile intelligent terminal account and be used as friend The mobile intelligent terminal account of the user of friend；When the mobile intelligent terminal that user is configured using it described in the step 2 In wechat payment software, bank or Unionpay's payment software, Alipay software or other Third-party payment software scans trade companies First Quick Response Code and when inputting the card number of member card, just the mobile intelligent terminal account of the mobile intelligent terminal and member card Card number is sent in commerce system, and membership and member card type identification module are with regard to the card number institute according to the member card received Emotional affection number and friend number associated by the mobile intelligent terminal account of the member of binding and the card number of the member card carry out automatic identification It is member, the user corresponding to emotional affection number or the user corresponding to friend number to go out the user, if the user is unrecognized Out, that is, the user is not present in the commerce system, if the card number of user input member card be present in it is described In commerce system, or by the payment system default configuration that member card is shared based on mobile Internet, the so user Mobile terminal account just as friend number can be automatically added to institute by the payment system that member card is shared based on mobile Internet State in commerce system and associated with the card number of the member card.

And the payment system based on the shared member card of mobile Internet reaches while ensureing that member enjoys privileges Share the purpose of the member card.In addition during existing member card consumption, relate only to as the member of member, trade company and third party Payment company, the Third-party payment company includes bank, Unionpay, wechat or Alipay etc..Member can not be met to friend The requirement of promotion is enclosed, and the present invention can also be by adding multiple relevant benefit main bodys, such as：Member is shared based on mobile Internet Card payment system setting member or member add emotional affection number, trade company, Third-party payment company, friend, business personnel, Platform service business etc., disclosure satisfy that member to the requirement of circle of friends promotion.The mobile intelligent terminal configured as user using it In wechat payment software, bank or Unionpay's payment software, Alipay software or other Third-party payment software scans trade companies First Quick Response Code and when inputting the card number of member card, just the mobile intelligent terminal account of the mobile intelligent terminal and member card Card number is sent in commerce system, and membership and member card type identification module are with regard to the card number institute according to the member card received Emotional affection number and friend number associated by the mobile intelligent terminal account of the member of binding and the card number of the member card carry out automatic identification It is member, the user corresponding to emotional affection number or the user corresponding to friend number to go out the user, and identifies the member card Type, that is, identify that the member card belongs to and supplemented with money without discount type member card, the discount that the prestores type member card or prestore of prestoring Type member card.And entity card must be held under comparing, when existing member card is used, when user card punching, by cash register system of trade company Member's card number is identified system, and the present invention binds the card number of member card with mobile intelligent terminal account, such as WeChat ID, branch Pay precious account, the platform account such as cell-phone number, when the first Quick Response Code of scanning input trade company, by commerce system automatic identification, is used Family need not carry entity member card in consumption, also without the worry for losing member card.Other existing member card system can not be automatic Holder's identity is recognized, following manner can only be realized：

1. when member card prestores discount type member card for nothing, holder presses agreement discount by radix of spending amount to business Family cash payment.

2. when member card is to prestore discount type member card, holder is without cash payment, and trade company is using spending amount as base Number directly reduces remaining sum in card by agreement discount.

3. supplement type member card with money when member card to prestore, holder is without cash payment, and trade company is using spending amount as base Number directly reduces remaining sum in card.

And be member as holder, or its friend, current commerce system can not be recognized automatically.This hair It is bright by the way that the card number of member card is bound with mobile intelligent terminal account, such as WeChat ID, Alipay account, the platform account such as cell-phone number Family.During the first Quick Response Code of scanning input, just the energy automatic identification user is member to commerce system, and emotional affection number is corresponding to be used Family, or the corresponding friend of friend number.

In addition when member card prestores discount type member card for nothing, the electronic cash that user pays reaches the account of trade company Afterwards, without creating sub- account again；Discount type member card or prestore to prestore when member card and supplement type member card with money, user needs branch When paying electronic cash, the electronic cash reaches the bank card of the member, then member's clamp account automatically generates mould under trade company's register It is corresponding with the bank card of the member card that block automatically creates sub- account under trade company's register.So it is achieved that preferential distribution side Case is adjusted flexibly, compared to prior art scheme cause existing member's card settling account system can only according to agreement special discount Settled accounts, it is impossible to the preferential allocative decision of adjust automatically because of membership's difference so that allocative decision form is single；And this hair Bright multiple relevant benefit main bodys by automatic identification user identity and corresponding member card classification, and addition, pass through fund The setting of flow direction and parameter, distribution of interests scheme that can be between each Interest Main Body of adjust automatically.The present invention based on mobile interchange Net shares the payment system of member card according to the difference for identifying user identity and the difference of the classifications of correspondence member card, and according to Third-party payment corporate expense undertakes the difference of main body, after user completes to consume, arouses Third-party payment instrument automatically and counts Calculate that user is actual to answer cash payment number：The present invention's shares the payment system of member card according to identifying based on mobile Internet The difference of the difference of user identity and the classification of correspondence member card, and main body is undertaken not according to Third-party payment corporate expense Together, after user completes to consume, calculate automatically and reduce remaining sum in the card of member card；The present invention's is shared based on mobile Internet The payment system of member card is according to the difference and the correspondingly difference of the classifications of member card, and according to third party for identifying user identity The difference that corporate expense undertakes main body is paid, after user completes to consume and pays electronic cash, each related profit is calculated automatically Beneficial main body actual gain, and divide account to respective corresponding account.

The present embodiment has the beneficial effect that：

1st, in the present embodiment, by the binding of member card and mobile intelligent terminal account, member need not carry member card, It there will not be the worry for losing member card；

2nd, in the present embodiment, the actual business revenue interests of trade company had both been ensure that, have ensured that member's is normal preferential again Use；

3rd, in the present embodiment, member is set by emotional affection number, and it is preferential to share member card between relatives, eliminates parent Inconvenience on human world card taking also card time and space, also expands the solution that customer group provides creativeness for trade company.

Embodiment 2

The mobile intelligent terminal is smart mobile phone, PDA, notebook computer or palm PC.

The commerce system includes server or PC, and the mobile intelligent terminal communicates company with server or PC Connect；The server or PC include member's clamp account automatically-generating module, membership under trade company's register, trade company's register And member's Card Type generation module, membership and member card type identification module, cash flow determination module；The server Also can be independently of the intermediate server outside the commerce system；The commerce system can also include being supplied to trade company Mobile intelligent terminal, it is described to be supplied to the mobile intelligent terminal of trade company to communicate with the server or PC to be connected.

The member card include without discount type member card, the discount that the prestores type member card and prestoring of prestoring supplement with money type member card this The member card of three types.The member card is electronics member card.

And the payment system based on the shared member card of mobile Internet reaches while ensureing that member enjoys privileges Share the purpose of the member card.In addition during existing member card consumption, relate only to as the member of member, trade company and third party Payment company, the Third-party payment company includes bank, Unionpay, wechat or Alipay etc..Member can not be met to friend The requirement of promotion is enclosed, and the present invention can also be by adding multiple relevant benefit main bodys, such as：What member or member added Emotional affection number, trade company, Third-party payment company, friend, business personnel, platform service business, disclosure satisfy that member to circle of friends promotion It is required that.When wechat payment software, bank or the Unionpay's payment software in the mobile intelligent terminal that user is configured using it, pay Precious software or the first Quick Response Code of other Third-party payment software scans trade companies and when inputting the card number of member card, just move this The mobile intelligent terminal account of intelligent terminal and the card number of member card are sent in commerce system, membership and member's Card Type Mobile intelligent terminal account and the member card of the identification module with regard to the member bound in the card number according to the member card received Emotional affection number associated by card number and friend number come automatically identify the user be member, the user corresponding to emotional affection number or User corresponding to friend number, and the type of the member card is identified, that is, identify that the member card belongs to without the discount that prestores Type member card, the discount that prestores type member card prestore and supplement type member card with money.And under comparing, must be held when existing member card is used There is entity card, when user card punching, member's card number is identified by trade company's POS, and the present invention is the card number of member card Bound with mobile intelligent terminal account, such as WeChat ID, Alipay account, the platform account such as cell-phone number, when scanning input trade company During the first Quick Response Code, by commerce system automatic identification, user need not carry entity member card in consumption, also without loss member card Worry.Other existing member card system can not automatic identification holder's identity, following manner can only be realized：

In addition when member card prestores discount type member card for nothing, the electronic cash that user pays reaches the account of trade company Afterwards, without creating sub- account again；Discount type member card or prestore to prestore when member card and supplement type member card with money, user needs branch When paying electronic cash, the electronic cash reaches the bank card of the member, then member's clamp account automatically generates mould under trade company's register It is corresponding with the bank card of the member card that block automatically creates sub- account under trade company's register.So it is achieved that preferential distribution side Case is adjusted flexibly, compared to prior art scheme cause existing member's card settling account system can only according to agreement special discount Settled accounts, it is impossible to the preferential allocative decision of adjust automatically because of membership's difference so that allocative decision form is single；And this hair Bright multiple relevant benefit main bodys by automatic identification user identity and corresponding member card classification, and addition, pass through fund The setting of flow direction and parameter, distribution of interests scheme that can be between each Interest Main Body of adjust automatically.The present invention based on mobile interchange Net shares the payment system of member card according to the difference for identifying user identity and the difference of the classifications of correspondence member card, and according to Third-party payment corporate expense undertakes the difference of main body, after user completes to consume, arouses Third-party payment instrument automatically and counts Calculate that user is actual to answer cash payment number：The present invention's shares the payment system of member card according to identifying based on mobile Internet The difference of the difference of user identity and the classification of correspondence member card, and main body is undertaken not according to Third-party payment corporate expense Together, after user completes to consume, calculate automatically and reduce remaining sum in the card of member card；The present invention's is shared based on mobile Internet The payment system of member card is according to the difference and the correspondingly difference of the classifications of member card, and according to third party for identifying user identity The difference that corporate expense undertakes main body is paid, after user completes consumption and cash payment, each relevant benefit master is calculated automatically Body actual gain, and divide account to respective corresponding account.

1. described in the expense of Third-party payment company rate is announced by Third-party payment company official, the expense undertakes master Body can flexibly be set as trade company, user or other relevant benefit sides as the case may be, and wherein trade company and user is as undertaking master The calculation of the expense of the Third-party payment company of body is：

2. the method for determining trade company's discount is as follows：

4. the method for calculating the radix that can reallocate is as follows：

Can be reallocated radix=0；

(2) when user be friend number corresponding to user when：

Can be reallocated radix=spending amount × (1- trade companies discount)；

Each Interest Main Body ratio is total to be equal to 100%；

(1) when member card prestores discount type member card for nothing：

User answers cash payment radix=spending amount × trade company's discount；

B, when user be friend number corresponding to user when：

(2) when member card is to prestore discount type member card：

User is without cash payment；

B, when user be friend number corresponding to friend when：

User is without cash payment；

B, when user be friend number corresponding to user when：

(2) when member card is to prestore discount type member card：

Trade company's member card reduces number=spending amount number；

11. the method for calculating user's true discount is as follows：

User's true discount=trade company's discount；

B, when user be friend number corresponding to user when：

User's true discount=user's actual delivery cash number ÷ spending amounts.

Corresponding example is specifically introduced to be further described the interests computational methods for the Interest Main Body：

In following example application, parameter makees following set：

The Quick Response Code of scanning input first, and input after the card number and spending amount of member card：

Example 1：When member card prestores discount type member card for nothing, set the Third-party payment expense and undertaken by trade company；

1. when the payment system for sharing member card based on mobile Internet judges that user is that member or member set During user corresponding to fixed emotional affection number：

2. when user be friend number corresponding to user when

Example 2：When member card is to prestore discount type member card, sets the Third-party payment expense and undertaken by user；

1. the payment system for sharing member card based on mobile Internet judges the parent that user sets for member or member During user corresponding to feelings number：

2. as user user corresponding for friend number

Example 3：When supplementing type member card with money when member card to prestore, set the Third-party payment expense and undertaken by user；

1. when based on mobile Internet share member card payment system judge user for member or member setting During user corresponding to emotional affection number：

2. as user user corresponding for friend number

The mobile intelligent terminal account be WeChat ID, Alipay account or platform account as cell-phone number, by The card number of member card is bound with mobile intelligent terminal account, when scanning the first Quick Response Code, by commerce system automatic identification.User Entity member card need not be carried, also without the worry for losing member card.

The present embodiment has the beneficial effect that：

4th, in the present embodiment, member not only can bring more customers by circle of friends promotion for trade company, can be with Capital is reclaimed, member card threshold is reduced.Creatively realize trade company, member, user, business personnel, platform business, third party simultaneously The win-win progress of each relevant benefit main body such as payment company.

The mobile intelligent terminal communicates even with the commerce system and taps into the mode of row communication often through two kinds Pattern is realized：

1. realize that single pair of monotype communicates via man-to-man pattern.In communication period, the quantity of mobile intelligent terminal is past Toward much, the information that mobile intelligent terminal collects commerce system must must usually be waited by sequence, and the promptness transmission of information can not Ensure.

2. carry out single many-to-many communication via the pattern of mass-sending.Communication period, commerce system can information transmission to it is some move The probability that dynamic intelligent terminal, so loss fall information is very big, the problem of usually information loss occur.Commerce system and intelligent movable The communication pattern of terminal can not reach communication in time with correct performance.

And the mode that the commerce system is used for receiving connection with mobile intelligent terminal is communicated is as follows：

Step 1-1：The commerce system realizes and communicated to connect that commerce system is with setting with mobile intelligent terminal by internet Put the PC in internet and build the communication connection based on Handshake Protocol, PC is built with multiple mobile intelligent terminals to be based on holding The communication connection of Handball Association's view；

Step 1-2：Commerce system is chosen in some mobile intelligent terminals to be used as the mobile intelligent terminal of destination party It is communication objective, using the information transmission of information to be communicated and the mobile intelligent terminal as destination party to PC；Commerce system is first First selected from multiple mobile intelligent terminals as destination party mobile intelligent terminal as communication objective side, then commerce system to PC sends communication request, waits and is connected to after the response of determination, the temporarily providing room of tectonic information, and information is relied on and is based on Handshake Protocol Communication mode be transferred to PC；PC breath transmitted to commerce system performs correctness verification, it is determined that after correct, commerce system The errorless command information of communication is transmitted towards PC；

Step 1-3：If being not less than the first chain-reacting amount or information capacity as the number of destination party mobile intelligent terminal Not less than the second chain-reacting amount, step 1-4 execution is branched to, that is, use mass-sending pattern；If moving intelligence as destination party Energy terminal quantity is not more than the first chain-reacting amount or information capacity is not more than the second chain-reacting amount, branches in step 1-7 and performs, Namely use One-to-one communication pattern；

One-to-one communication pattern is accomplished that communication of the commerce system individually with a mobile intelligent terminal, and information is just Really property is good, and wait seldom or during information capacity amount is little is kept in using One-to-one communication pattern in mobile intelligent terminal number Cycle is short.Mass-sending pattern is accomplished that the communication of a commerce system and some mobile intelligent terminals, synchronous transport, transporting velocity It hurry up, in mobile intelligent terminal number is many or information capacity no small period just more preferably realizes promptness, but broadcast production The raw information correctness defect caused is solved in following mode via transfer mode again.First chain-reacting amount and second faces Boundary's number is measurement number, and responsible measurement data carrys out flexible configuration.

Step 1-4：Obtained information is divided into some first information frames by PC, and information frame is processed as to be based on without association of shaking hands Mass-sending is transferred to the mobile intelligent terminal as destination party after the information frame of view；

Information is via mass-sending based on the pattern without Handshake Protocol to all intelligent movables as destination party in internet Terminal is mass-sended, and the entirety only mass-sended in internet just can be from network adapter upward as the mobile intelligent terminal of destination party One-level transmits information；

And in before transmission information, mobile intelligent terminal must know the essential information of communication, including information capacity, information are readable Writeable authority, the title of information, the pointer of information storage, the destination address of mass-sending, the identification code of mass-sending, if it can be divided into It is dry secondary from PC submitting, also can once it send out；Mobile intelligent terminal, which is connected to after above- mentioned information, sequentially realizes information architecture, authority Verification, pointer verification, the such operation of title verification, PC and mobile intelligent terminal concurrent operations are realized with this；

Full detail is divided into some this according to temporarily providing room capacity and writes into space by PC, for each temporarily providing room Interior information is sequentially encapsulated according to the capacity based on the information frame message part without Handshake Protocol, for each assembled base In all mobile intelligence as destination party being transferred to without Handshake Protocol information frame using the pattern of mass-sending in the known internet of hair In energy terminal；

Step 1-5：It is based on the information frame implementation without Handshake Protocol as what the mobile intelligent terminal of destination party was docked to The verification of no dropout, and the information transfer of loss to PC；PC is derived from the number of dropout, if lost The number of information is not less than the 3rd chain-reacting amount, branches in step 1-4 and continues to mass-send based on the information frame without Handshake Protocol；Such as The number of fruit dropout is not more than the 3rd chain-reacting amount, such PC each face with dropout as destination party Mobile intelligent terminal, is again transferred to the corresponding information of dropout according to the one-to-one pattern based on Handshake Protocol accordingly It is used as the mobile intelligent terminal of destination party；

Mobile intelligent terminal is sustainably connected to based on the information frame without Handshake Protocol and carries out dropout to information frame Verification dropout detection process.The mobile intelligent terminal moment detection receive based on the information frame shape without Handshake Protocol State, based on the temporarily providing room write without the information content included in Handshake Protocol information frame for reception, and refreshes for connecing The temporarily providing room of receipts；Attend by and terminate for the temporary information transfer of transmission, receiving terminal needs to check temporarily providing room in real time Which information does not refresh, that is, which based on the information frame without Handshake Protocol in the transmission of the wheel temporarily providing room to temporarily providing room Lose in period, thus build the information loss temporarily providing room of own body.

3rd chain-reacting amount is measurement number, and responsible measurement data carrys out flexible configuration.

PC can inquire about each the 3rd intelligent terminal successively after the completion of the communication of the information in a temporarily providing room

Reception situation and according to the repeating transmission dropout that must be transmitted again.Information transmission of the mobile intelligent terminal loss To PC.The corresponding information frame of dropout is again relied on One-to-one communication pattern and is transferred to mobile intelligent terminal by PC.It is right In the information of loss, One-to-one communication pattern just is used, the incorrect defect of information of mass-sending generation is prevented with this.

Step 1-6：Mobile intelligent terminal is verified based on the information frame without Handshake Protocol, if verification is out of question, is just terminated, If verification has a problem, such mobile intelligent terminal just responds the information of the information frame of the error of PC, and PC is by error One-to-one communication pattern based on Handshake Protocol is again relied on based on the information frame without Handshake Protocol and is transferred to intelligent movable end End；

It is determined that whole mobile intelligent terminal without dropout under conditions of, transmission side transmission check yard is asked often Individual destination party examines the information in temporarily providing room；Transmission side is obtained and the other remaining letters of transmission under conditions of inspection has no problem Breath, until information is all transmitted, examines problematic period, just the corresponding information frame of error message again according to based on association of shaking hands The One-to-one communication pattern of view is transferred to the mobile intelligent terminal as destination party；

Step 1-7：Obtained information is transferred to each shifting by PC according to the One-to-one communication pattern based on Handshake Protocol Dynamic intelligent terminal, thus terminates operation.

The present embodiment has the beneficial effect that：

One-to-one communication pattern is accomplished that communication of the commerce system individually with a mobile intelligent terminal, and information is just Really property is good, and wait seldom or during information capacity amount is little is kept in using One-to-one communication pattern in mobile intelligent terminal number Cycle is short.Mass-sending pattern is accomplished that the communication of a commerce system and some mobile intelligent terminals, synchronous transport, transporting velocity It hurry up, in mobile intelligent terminal number is many or information capacity no small period just more preferably realizes promptness, but broadcast production The raw information correctness defect caused is solved in following mode via transfer mode again.First chain-reacting amount and second faces Boundary's number is measurement number, and responsible measurement data carrys out flexible configuration.Mobile intelligent terminal is sustainably connected to is shaken hands based on nothing The information frame of agreement and the verification dropout detection process for carrying out information frame dropout.The mobile intelligent terminal moment is detected Receive based on the information frame state without Handshake Protocol, based on being write without the information content included in Handshake Protocol information frame For the temporarily providing room of reception, and refresh the temporarily providing room for reception；Attend by and terminate for the temporary information transfer of transmission, Receiving terminal needs which information for checking temporarily providing room in real time not refresh, that is, which is based on the information frame without Handshake Protocol Lose in during transmission of the wheel temporarily providing room to temporarily providing room, thus build the information loss temporarily providing room PC of own body After the completion of information communication that can be in a temporarily providing room reception situation of each the 3rd intelligent terminal is inquired about successively and according to palpus The repeating transmission dropout transmitted again.Mobile intelligent terminal is the information transmission of loss to PC.PC is corresponding dropout Information frame again rely on One-to-one communication pattern and be transferred to mobile intelligent terminal.For the information of loss, with regard to using using a pair One communication pattern, the incorrect defect of information of mass-sending generation is prevented with this.

The present invention is described in the way of brief description of the drawings above, it will be understood by those of skill in the art that the disclosure Embodiments described above is not limited to, in the case of without departing from the scope of the present invention, can make a variety of changes, change and replace Change.

Claims

1. the payment system of member card is shared based on mobile Internet a kind of, including is allocated to the electronics member card of member, it is special Levy and be, additionally include the mobile intelligent terminal for the user being allocated to including member and be supplied to the trade company of trade company System and the first Quick Response Code；

The mobile intelligent terminal include wechat payment software, bank or Unionpay's payment software, Alipay software or other Tripartite's payment software；

The commerce system include member's clamp account automatically-generating module under trade company's register, trade company's register, membership and Member's Card Type generation module, membership and member card type identification module, cash flow determination module.

2. the payment system according to claim 1 that member card is shared based on mobile Internet, it is characterised in that the shifting Dynamic intelligent terminal is smart mobile phone, PDA, notebook computer or palm PC.

3. the payment system according to claim 1 that member card is shared based on mobile Internet, it is characterised in that the business Family system includes server or PC, and the mobile intelligent terminal is communicated with server or PC and is connected；The server or PC includes member's clamp account automatically-generating module under trade company's register, trade company's register, membership and the life of member's Card Type Into module, membership and member card type identification module, cash flow determination module；The server also can be independently of Intermediate server outside the commerce system；The commerce system can also include the mobile intelligent terminal for being supplied to trade company, It is described to be supplied to the mobile intelligent terminal of trade company to communicate with the server or PC to be connected.

4. the payment system according to claim 1 that member card is shared based on mobile Internet, it is characterised in that the meeting Member's card includes nothing and prestored discount type member card, the discount that prestores type member card and prestoring and supplementing the member of these three types of type member card with money Card.

5. the method for the payment system according to claim 4 that member card is shared based on mobile Internet, it is characterised in that Comprise the following steps：

Step 1：When trade company is that member handles member card, by membership and member's Card Type generation module in commerce system It is middle set the member card type and the preference scheme for the member card, and automatically generate the member card card number and with this It is micro- in corresponding the second Quick Response Code as unique identifier of card number, the mobile intelligent terminal that member is configured with it Believe payment software, bank or Unionpay's payment software, Alipay software or other Third-party payment software scans second Quick Response Codes Afterwards, the membership and member's Card Type generation module of the mobile intelligent terminal and commerce system just bind the shifting of the member automatically The card number of dynamic intelligent terminal account and the electronics member card；

Step 2：After the mobile intelligent terminal account of member and the card number binding of the electronics member card, member can pass through its institute The mobile intelligent terminal of configuration adds the emotional affection number of the user as emotional affection personnel under the mobile intelligent terminal account of the member With the friend number of the user as friend, the emotional affection number and friend number are sent to the shifting that commerce system neutralizes the member in addition The card number for the electronics member card that dynamic intelligent terminal account is mutually bound is associated, it is possible to promotion member card or trade company in circle of friends Information, the emotional affection number and friend number be respectively as emotional affection personnel user mobile intelligent terminal account and be used as friend's The mobile intelligent terminal account of user；When the wechat payment software in the mobile intelligent terminal that user is configured using it, bank Or Unionpay's payment software, the first Quick Response Code of Alipay software or other Third-party payment software scans trade companies and input member card Card number when, just the mobile intelligent terminal account of the mobile intelligent terminal and the card number of member card are sent in commerce system, The intelligent movable of member bound in the card number for the member card that membership and member card type identification module are received with regard to basis It is member, parent that emotional affection number associated by the card number of terminal account and the member card, which automatically identifies the user with friend number, The user corresponding to user or friend number corresponding to feelings number, and identify the type of the member card.

6. the method for the payment system according to claim 5 that member card is shared based on mobile Internet, it is characterised in that When wechat payment software, bank or the Unionpay in the mobile intelligent terminal that user is configured using it described in the step 2 Payment software, the first Quick Response Code of Alipay software or other Third-party payment software scans trade companies and the card number for inputting member card When, just the mobile intelligent terminal account of the mobile intelligent terminal and the card number of member card are sent in commerce system, Hui Yuanshen The mobile intelligent terminal account of member bound in the card number for the member card that part and member card type identification module are received with regard to basis It is member, emotional affection institute that emotional affection number associated by the card number of family and the member card automatically identifies the user with friend number User corresponding to corresponding user or friend number, if the user is unrecognized out, that is, the user is not present in institute When stating in commerce system, if the card number of user input member card is present in the commerce system, or by described based on shifting The payment system default configuration of member card is shared in dynamic internet, and the mobile terminal account of so user just can be by based on movement Internet share member card payment system be automatically added to as friend number in the commerce system and with the card of the member card It is number associated.

7. the method for the payment system according to claim 5 that member card is shared based on mobile Internet, it is characterised in that The method of the payment system that member card is shared based on mobile Internet, is also comprised the following steps：

Step 3：It is corresponding to member, the user corresponding to emotional affection number or friend number to identify the user in step 2 User, and identify after the type of the member card, when user needs cash payment, the flow direction of the adjust automatically cash, tool The mode that body adjusts the flow direction of the cash is as follows：

1. when member card prestores discount type member card for nothing, user uses the wechat in the mobile intelligent terminal to pay soft The electronic cash of payment is flowed to trade company by part, bank or Unionpay's payment software, Alipay software or other Third-party payment softwares Account；

2. when member card for prestore discount type member card when, if user is member or emotional affection number corresponding user, the use Family without using the wechat payment software in the mobile intelligent terminal, bank or Unionpay's payment software, Alipay software or its His Third-party payment software pays electronic cash, and trade company is by the cash flow determination module in commerce system with spending amount Reduce the remaining sum in member card automatically by agreement discount for radix；If user is friend number corresponding user, the user is to disappear Take the amount of money is used wechat payment software, bank or Unionpay in the mobile intelligent terminal to pay for radix by the discount after adjustment Software, Alipay software or other Third-party payment softwares pay electronic cash, and the electronic cash flows to the bank card of member, Trade company is reduced automatically by the cash flow determination module in commerce system by radix of spending amount by agreement discount simultaneously Remaining sum in member card；

3. supplement type member card with money when member card to prestore, if user is member or emotional affection number corresponding user, the use Family without using the wechat payment software in the mobile intelligent terminal, bank or Unionpay's payment software, Alipay software or its His Third-party payment software pays electronic cash, and trade company is by the cash flow determination module in commerce system with spending amount Reduce the remaining sum in member card automatically for radix；If user is friend number corresponding user, the user is using spending amount as base Number uses wechat payment software, bank or the Unionpay's payment software in the mobile intelligent terminal, payment by the discount after adjustment Precious software or other Third-party payment softwares pay electronic cash, and the electronic cash flows to the bank card of member, while trade company By the cash flow determination module in commerce system by radix of spending amount come the automatic remaining sum reduced in member card；

In addition when member card prestores discount type member card for nothing, the electronic cash that user pays is reached after the account of trade company, nothing Sub- account need to be created again；Discount type member card or prestore to prestore when member card and supplement type member card with money, user needs to pay electricity During sub- cash, the electronic cash reaches the bank card of the member, then member's clamp account automatically-generating module exists under trade company's register It is corresponding with the bank card of the member card that sub- account is automatically created under trade company's register.

8. the method for the payment system according to claim 7 that member card is shared based on mobile Internet, it is characterised in that The payment system for sharing member card based on mobile Internet can set Interest Main Body, and the Interest Main Body includes member's sheet The user corresponding to user, trade company, Third-party payment company, friend number, business personnel corresponding to people, the emotional affection number of member's setting With platform service provider；Interests computational methods for the Interest Main Body are as follows：

1. described in the expense of Third-party payment company rate is announced by official of Third-party payment company, the main body that undertakes of the expense sets It is set to trade company, user or other relevant benefit sides, wherein trade company and user is used as the Third-party payment company for undertaking main body The calculation of expense be：

2. the method for determining trade company's discount is as follows：

(3) when supplementing type member card with money when member card to prestore, trade company's discount is calculated as：User prestores, and (user's cash number ÷ prestores Cash number+trade company gives and supplements number with money), or be scaled：User prestores, and cash number ÷ trade companies are actual to supplement sum with money；

4. the method for calculating the radix that can reallocate is as follows：

Can be reallocated radix=0；

(2) when user be friend number corresponding to user when：

Can be reallocated radix=spending amount × (1- trade companies discount)；

5. the method for setting ratio of the Interest Main Body in the radix that can reallocate is as follows：

Each Interest Main Body ratio is total to be equal to 100%；

(1) when member card prestores discount type member card for nothing：

User answers cash payment radix=spending amount × trade company's discount；

B, when user be friend number corresponding to user when：

(2) when member card is to prestore discount type member card：

User is without cash payment；

B, when user be friend number corresponding to friend when：

User is without cash payment；

B, when user be friend number corresponding to user when：

(2) when member card is to prestore discount type member card：

Trade company's member card reduces number=spending amount number；

11. the method for calculating user's true discount is as follows：

User's true discount=trade company's discount；

B, when user be friend number corresponding to user when：

User's true discount=user's actual delivery cash number ÷ spending amounts.

9. the method for the payment system according to claim 5 that member card is shared based on mobile Internet, it is characterised in that The mobile intelligent terminal account is WeChat ID, Alipay account or platform account as cell-phone number.