CN107909360A - On a kind of line, under line store mobile-payment system and method - Google Patents
On a kind of line, under line store mobile-payment system and method Download PDFInfo
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- CN107909360A CN107909360A CN201711218972.8A CN201711218972A CN107909360A CN 107909360 A CN107909360 A CN 107909360A CN 201711218972 A CN201711218972 A CN 201711218972A CN 107909360 A CN107909360 A CN 107909360A
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- payment
- user
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/12—Payment architectures specially adapted for electronic shopping systems
Abstract
The present invention relates on a kind of line, under line store mobile-payment system and method, which includes：Payment management platform, operation management service platform, core transaction service platform and database service platform are logged in, the login payment management platform includes：Acquisition module, the operation management service platform include：Audit management module and relating module.A kind of method of mobile payment is further related to, this method includes：User information input by user is obtained, and user information is audited according to default auditing rule, when examination ＆ verification passes through, startup payment information is sent and gives core transaction service platform, so that transfer corresponding channel of disbursement carries out account payment to user.The system passed through by the present invention, can be by user and core transaction service platform real-time contacts, call corresponding channel of disbursement to carry out account payment to user according to user's payment information, facilitate to paying the exploitation of docking and the efficiency of maintenance, realize the transaction situation to real-time tracking user.
Description
Technical field
The invention belongs in mobile payment field, more particularly to a kind of line, under line store mobile-payment system and method.
Background technology
The payment module of existing electric business system, majority is stacked, distributed, and the interface externally provided is also five flowers
Eight, make troubles to the exploitation and maintenance for paying docking, can not realize and unite to all payment docking, and there is no energy
The transaction situation of enough real-time tracking users.
The content of the invention
The technical problems to be solved by the invention are：Existing electric business system external provides interface disunity, to payment pair
The exploitation that connects and safeguard it is inconvenient, can not real-time tracking user transaction situation.
To solve technical problem above, the present invention provides on a kind of line, under line store mobile-payment system, the shifting
Dynamic payment system includes：Log in payment management platform, operation management service platform, core transaction service platform and database service
Platform；
The login payment management platform includes：Acquisition module, the acquisition module are used to obtain user input by user
Information；
The operation management service platform includes：Management module and relating module are audited, the examination ＆ verification management module is used for
The user information is audited according to default auditing rule, whether judges the user information after user information examination ＆ verification passes through
Belong to member's account, if it is not, user then is added to member's account, and mark examination ＆ verification to pass through；
Examination ＆ verification management module is additionally operable to feedback and audits the status information passed through to the login payment management platform；
The hair relating module is used for according to the user information, sends and starts payment information to the core transaction service
Platform；
The core transaction service platform, for according to the startup payment information, transfer corresponding channel of disbursement to
Family carries out account payment；
The database service platform, for storing the user information.
Beneficial effects of the present invention：By above-mentioned system, can by user and core transaction service platform real-time contacts,
The channel unified interface that user is asked to pay, calls corresponding channel of disbursement to carry out account to user according to user's payment information
Pay, the so easy calling to payment, facilitates the efficiency to paying the exploitation docked and maintenance indirectly, while can also
Enough real-time trackings and the transaction situation for searching user.
Further, the user information includes：User's name, user pay the different channel of disbursement titles used,
Wherein described different channel of disbursement title includes：The Third-party payment channel of user-association, the bank of user-association directly prop up
Pay channel.
Further, the login payment management platform further includes：Check module, it is described to check that module is described for checking
The status information of operation management service platform feedback, so that user checks the status information that current review passes through.
Further, the examination ＆ verification management module, is additionally operable to send to send to the database service platform and changes user
The request of information；
The database service platform, is additionally operable to, when receiving the request of modification user information, transfer user's letter
Breath, and modified according to the request to the user information, while before the amended user information is replaced it
The user information.
Further, the operation management service platform further includes：Order management mould is fast；The order management mould is fast, uses
Successful information is paid in the successful information of payment for receiving the core transaction service platform feedback, and according to described, is checked
The pay invoice information of active user；
It is additionally operable to the pay invoice information being sent to the database service platform.
Further, the pay invoice information includes：The serial number of pay invoice, pay invoice address, pay invoice
The serial number of channel, user's name, the time of pay invoice.
Further, the operation management service platform further includes：Payment Records module；The Payment Records module, is used
In after the successful information of payment is received, record is believed by the payment by the transfer of accounts that the Third-party payment channel of the user carries out
Breath.
Further, the payment by the transfer of accounts information includes：Payee account, payment serial number, third party's serial number and pay
Money theme.
The invention further relates on a kind of line, under line store method of mobile payment, which includes：
Log in payment management platform and obtain user information input by user；
Operation management service platform audits the user information according to default auditing rule, when user information examination ＆ verification is logical
Later judge whether the user information belongs to member's account, if it is not, user then is added to member's account, and mark examination ＆ verification logical
Cross, while feed back the status information audited and passed through to the login payment management platform；
It is flat to core transaction service to send startup payment information according to the user information for the operation management service platform
Platform；
The core transaction service platform transfers corresponding channel of disbursement and user is carried out according to the startup payment information
Account is paid.
Beneficial effects of the present invention：By above-mentioned method, can by user and core transaction service platform real-time contacts,
The channel unified interface that user is asked to pay, calls corresponding channel of disbursement to carry out account to user according to user's payment information
Pay, the so easy calling to payment, facilitates the efficiency to paying the exploitation docked and maintenance indirectly, while can also
Enough real-time trackings and the transaction situation for searching user.
Brief description of the drawings
Fig. 1 be the present invention a kind of line on, under line the mobile-payment system in store structure diagram；
Fig. 2 be the present invention a kind of line on, under line the method for mobile payment in store flow chart.
Embodiment
The principle and features of the present invention will be described below with reference to the accompanying drawings, and the given examples are served only to explain the present invention, and
It is non-to be used to limit the scope of the present invention.
As shown in Figure 1, the present invention is to provide on a kind of line, under line store mobile-payment system, the mobile payment system
System includes：Log in payment management platform, operation management service platform, core transaction service platform and database service platform；
The login payment management platform includes：Acquisition module, the acquisition module are used to obtain user input by user
Information；
The operation management service platform includes：Management module and relating module are audited, the examination ＆ verification management module is used for
The user information is audited according to default auditing rule, whether judges the user information after user information examination ＆ verification passes through
Belong to member's account, if it is not, user then is added to member's account, and mark examination ＆ verification to pass through；
Examination ＆ verification management module is additionally operable to feedback and audits the status information passed through to the login payment management platform；
The hair relating module is used for according to the user information, sends and starts payment information to the core transaction service
Platform；
The core transaction service platform, for according to the startup payment information, transfer corresponding channel of disbursement to
Family carries out account payment；
The database service platform, for storing the user information.
It should be noted that being that user logs in payment management platform in the present embodiment 1, user information is filled in, and submit
The user's information；These user informations submitted are got in operation management service platform, in the operation management service platform
Some auditing rules can be pre-set, then according to these examination ＆ verification user informations, are judged after user information examination ＆ verification passes through
Whether the user's information belongs to member's account, if it is not, user then is added to member's account, and marks examination ＆ verification to pass through.Will examination ＆ verification
The information passed through feeds back to login payment management platform, and user can view the examination ＆ verification on payment management platform is logged in and pass through
Status information.After examination ＆ verification passes through, startup payment information is sent according to the user's information and gives core transaction service platform, so
The startup payment information is received in core transaction service platform, analyzes the startup payment information, is found out and the user's relation
Channel of disbursement, transferred in these associated channel of disbursement corresponding channel of disbursement to user carry out account payment.In addition, work as
So it is in order to which use can be backed up in follow-up by the storage of the user's information into database service platform after examination ＆ verification passes through.It is logical
The system in the present embodiment 1 is crossed, can be by user and core transaction service platform real-time contacts, the channel that user is asked to pay
Unified interface, calls corresponding channel of disbursement to carry out account payment to user according to user's payment information, so easy to propping up
Pay calling, facilitate indirectly to pay docking exploitation and maintenance efficiency, while can also real-time tracking and search use
The transaction situation at family.
Alternatively, user information includes described in another embodiment 2：User's name, user's payment use different
Channel of disbursement title, wherein the different channel of disbursement title includes：Third-party payment channel, the user-association of user-association
Bank's direct payment channel.
It should be noted that the present embodiment 2 is the refinement carried out on the basis of above-described embodiment 1, referred in embodiment 1
The user information arrived, the user's information include：User's name, user pay the channel title used, wherein the channel title bag
Include：The Third-party payment channel of user-association, bank's direct payment channel of user-association.The Third-party payment canal of user-association
Road is such as：Wechat, Alipay, flower.Bank's direct payment channel of user-association is such as：Bank of China, Construction Bank, agricultural
Bank etc..
Alternatively, payment management platform is logged in described in another embodiment 3 to further include：Check module, it is described to check mould
Block is used for the status information for checking operation management service platform feedback, so that user checks the shape that current review passes through
State information.
It should be noted that it is that the refinement carried out on the basis of above-described embodiment 1 or embodiment 2 is said in the present embodiment 3
Bright, the status information of operation management service platform feedback can be checked by logging in payment management platform, be worked as so that user checks
Preceding payment transaction state.
Alternatively, management module is audited described in another embodiment 4, is additionally operable to send to the database service platform
Send the request of modification user information；
The database service platform, is additionally operable to, when receiving the request of modification user information, transfer user's letter
Breath, and modified according to the request to the user information, while before the amended user information is replaced it
The user information.
It should be noted that the present embodiment 4 is the scheme carried out on the basis of above-described embodiment 1 either embodiment 2,
Database service platform transfers the user's information when receiving the information for needing modification user in the present embodiment 4, and to this
User information is modified, while the user information before amended the user's information is replaced it.
Alternatively, operation management service platform further includes described in another embodiment 5：Order management mould is fast；It is described to order
Menu manager mould is fast, for receiving the successful information of payment of core transaction service platform feedback, and according to it is described pay into
The information of work(, checks the pay invoice information of active user；
It is additionally operable to the pay invoice information being sent to the database service platform.
It should be noted that the present embodiment 5 is the scheme carried out on the basis of above-described embodiment 1 either embodiment 2,
According to successful information is paid during order management mould in the present embodiment 5 on the operation management service platform is fast, check current
The pay invoice information of user, while pay invoice information is sent to the database service platform, allow the database service to put down
Platform preserves the pay invoice information in time, subsequently to compare or to check.
Alternatively, pay invoice information includes described in another embodiment 6：The serial number of pay invoice, pay invoice
Address, the serial number of pay invoice channel, user's name, the time of pay invoice.
It should be noted that the present embodiment 6 is the scheme carried out on the basis of above-described embodiment 5, in the present embodiment 6
The pay invoice information：The serial number of pay invoice, pay invoice address, the serial number of pay invoice channel, user's name, branch
Pay the time of order.
Alternatively, operation management service platform further includes described in another embodiment 7：Payment Records module；Described pair
Money logging modle, for receive it is described pay successful information after, record by the Third-party payment channel of the user into
Capable payment by the transfer of accounts information.
It should be noted that the present embodiment 7 is the scheme carried out on the basis of above-described embodiment 5, in the present embodiment 7
Payment Records module on the operation management service platform, the Payment Records module is after the successful information of the payment is received, note
The payment by the transfer of accounts information that record is carried out by the Third-party payment channel of the user.
Alternatively, payment by the transfer of accounts information includes described in another embodiment 8：Payee account, payment serial number, the 3rd
Square serial number and payment theme.
It should be noted that the present embodiment 8 is the scheme carried out on the basis of above-described embodiment 7.
As shown in Fig. 2, the embodiment of the present invention 9 further relate on a kind of line, under line store method of mobile payment, the movement branch
The method of paying includes：
S1, logs in payment management platform and obtains user information input by user；
S2, operation management service platform audits the user information according to default auditing rule, when the user information is examined
Core judges whether the user information belongs to member's account by rear, if it is not, user then is added to member's account, and marks and examines
Core is by while feeding back the status information that passes through of examination ＆ verification to the login payment management platform；
S3, the operation management service platform send startup payment information and are taken to core transaction according to the user information
Business platform；
S4, the core transaction service platform transfer corresponding channel of disbursement to user according to the startup payment information
Carry out account payment.
It should be noted that being that user logs in payment management platform in the present embodiment 9, user information is filled in, and submit
The user's information；These user informations submitted are got in operation management service platform, in the operation management service platform
Some auditing rules can be pre-set, then according to these examination ＆ verification user informations, are judged after user information examination ＆ verification passes through
Whether the user's information belongs to member's account, if it is not, user then is added to member's account, and marks examination ＆ verification to pass through.Will examination ＆ verification
The information passed through feeds back to login payment management platform, and user can view the examination ＆ verification on payment management platform is logged in and pass through
Status information.After examination ＆ verification passes through, startup payment information is sent according to the user's information and gives core transaction service platform, so
The startup payment information is received in core transaction service platform, analyzes the startup payment information, is found out and the user's relation
Channel of disbursement, transferred in these associated channel of disbursement corresponding channel of disbursement to user carry out account payment.In addition, work as
So it is in order to which use can be backed up in follow-up by the storage of the user's information into database service platform after examination ＆ verification passes through.It is logical
The method in the present embodiment 9 is crossed, can be by user and core transaction service platform real-time contacts, the channel that user is asked to pay
Unified interface, calls corresponding channel of disbursement to carry out account payment to user according to user's payment information, so easy to propping up
Pay calling, facilitate indirectly to pay docking exploitation and maintenance efficiency, while can also real-time tracking and search use
The transaction situation at family.
In the present specification, a schematic expression of the above terms does not necessarily refer to the same embodiment or example.
Moreover, particular features, structures, materials, or characteristics described can be in any one or more of the embodiments or examples with suitable
Mode combines.In addition, without conflicting with each other, those skilled in the art can be by the difference described in this specification
Embodiment or example and different embodiments or exemplary feature are combined and combine.
The foregoing is merely presently preferred embodiments of the present invention, is not intended to limit the invention, it is all the present invention spirit and
Within principle, any modification, equivalent replacement, improvement and so on, should all be included in the protection scope of the present invention.
Claims (9)
1. on a kind of line, under line store mobile-payment system, it is characterised in that the mobile-payment system includes：Log in and pay
Management platform, operation management service platform, core transaction service platform and database service platform；
The login payment management platform includes：Acquisition module, the acquisition module are used to obtain user information input by user；
The operation management service platform includes：Management module and relating module are audited, the examination ＆ verification management module is used for basis
Default auditing rule audits the user information, judges whether the user information belongs to after user information examination ＆ verification passes through
Member's account, if it is not, user then is added to member's account, and marks examination ＆ verification to pass through；
Examination ＆ verification management module is additionally operable to feedback and audits the status information passed through to the login payment management platform；
The hair relating module is used for according to the user information, and it is flat to core transaction service to send startup payment information
Platform；
The core transaction service platform, for according to the startup payment information, transfer corresponding channel of disbursement to user into
Row account is paid；
The database service platform, for storing the user information.
2. mobile-payment system according to claim 1, it is characterised in that the user information includes：User's name, use
Family pays the different channel of disbursement titles used, wherein the different channel of disbursement title includes：The 3rd of user-association
Bank's direct payment channel of square channel of disbursement, user-association.
3. mobile-payment system according to claim 1 or 2, it is characterised in that the login payment management platform is also wrapped
Include：Check module, it is described to check that module is used for the status information for checking the operation management service platform feedback, so as to
The status information that current review passes through is checked at family.
4. according to any mobile-payment systems of claim 1-3, it is characterised in that the examination ＆ verification management module, is also used
The request for changing user information is sent to the database service platform in sending；
The database service platform, is additionally operable to, when receiving the request of modification user information, transfer the user information, and
Modified according to the request to the user information, while the use before the amended user information is replaced it
Family information.
5. according to any mobile-payment systems of claim 1-3, it is characterised in that the operation management service platform is also
Including：Order management mould is fast；The order management mould is fast, for receiving the payment success of the core transaction service platform feedback
Information, and according to the pay invoice information for paying successful information, checking active user；
It is additionally operable to the pay invoice information being sent to the database service platform.
6. mobile-payment system according to claim 5, it is characterised in that the pay invoice information includes：Payment is ordered
The serial number of list, pay invoice address, the serial number of pay invoice channel, user's name, the time of pay invoice.
7. mobile-payment system according to claim 5, it is characterised in that the operation management service platform further includes：
Payment Records module；The Payment Records module, after according to the successful information of payment, record passes through the user's
The payment by the transfer of accounts information that Third-party payment channel carries out.
8. mobile-payment system according to claim 7, it is characterised in that the payment by the transfer of accounts information includes：Payee
Account, payment serial number, third party's serial number and payment theme.
9. on a kind of line, under line store method of mobile payment, it is characterised in that the method for mobile payment includes：
Log in payment management platform and obtain user information input by user；
Operation management service platform audits the user information according to default auditing rule, after user information examination ＆ verification passes through
Judge whether the user information belongs to member's account, if it is not, user then is added to member's account, and mark examination ＆ verification to pass through,
The status information audited and passed through is fed back at the same time to the login payment management platform；
The operation management service platform sends startup payment information and gives core transaction service platform according to the user information；
The core transaction service platform transfers corresponding channel of disbursement and carries out account to user according to the startup payment information
Pay.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201711218972.8A CN107909360A (en) | 2017-11-28 | 2017-11-28 | On a kind of line, under line store mobile-payment system and method |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201711218972.8A CN107909360A (en) | 2017-11-28 | 2017-11-28 | On a kind of line, under line store mobile-payment system and method |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN107909360A true CN107909360A (en) | 2018-04-13 |
Family
ID=61849265
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| CN201711218972.8A Pending CN107909360A (en) | 2017-11-28 | 2017-11-28 | On a kind of line, under line store mobile-payment system and method |
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| CN109784897A (en) * | 2018-12-28 | 2019-05-21 | 易票联支付有限公司 | A kind of cross-border settlement system and method |
| CN109829701A (en) * | 2018-12-24 | 2019-05-31 | 北京航天智造科技发展有限公司 | Electric business platform loose coupling on-line payment system |
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| CN101436279A (en) * | 2008-12-19 | 2009-05-20 | 福建今日特价网络有限公司 | Transaction payment system and method of webs |
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Application publication date: 20180413 |