CN108090676A - A kind of virtual air control transaction system of credit card based on shopping app - Google Patents
A kind of virtual air control transaction system of credit card based on shopping app Download PDFInfo
- Publication number
- CN108090676A CN108090676A CN201711371434.2A CN201711371434A CN108090676A CN 108090676 A CN108090676 A CN 108090676A CN 201711371434 A CN201711371434 A CN 201711371434A CN 108090676 A CN108090676 A CN 108090676A
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- credit card
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- 238000004891 communication Methods 0.000 claims abstract description 34
- 238000012795 verification Methods 0.000 claims abstract description 26
- 238000007726 management method Methods 0.000 claims description 68
- 238000012550 audit Methods 0.000 claims description 4
- 238000012790 confirmation Methods 0.000 claims description 3
- 238000012546 transfer Methods 0.000 abstract description 5
- 238000000034 method Methods 0.000 abstract description 4
- 238000005516 engineering process Methods 0.000 description 3
- 230000009286 beneficial effect Effects 0.000 description 1
- 230000015572 biosynthetic process Effects 0.000 description 1
- 238000010586 diagram Methods 0.000 description 1
- PCHJSUWPFVWCPO-UHFFFAOYSA-N gold Chemical compound [Au] PCHJSUWPFVWCPO-UHFFFAOYSA-N 0.000 description 1
- 239000010931 gold Substances 0.000 description 1
- 229910052737 gold Inorganic materials 0.000 description 1
- 238000002360 preparation method Methods 0.000 description 1
- 238000006467 substitution reaction Methods 0.000 description 1
- 238000003786 synthesis reaction Methods 0.000 description 1
Classifications
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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
- G06Q10/00—Administration; Management
- G06Q10/06—Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
- G06Q10/063—Operations research, analysis or management
- G06Q10/0635—Risk analysis of enterprise or organisation activities
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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
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/351—Virtual cards
-
- 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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
-
- 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
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
- G06Q30/0609—Buyer or seller confidence or verification
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- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- Accounting & Taxation (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Human Resources & Organizations (AREA)
- Economics (AREA)
- Finance (AREA)
- Entrepreneurship & Innovation (AREA)
- Marketing (AREA)
- Development Economics (AREA)
- Computer Security & Cryptography (AREA)
- Educational Administration (AREA)
- Computer Networks & Wireless Communication (AREA)
- Game Theory and Decision Science (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Operations Research (AREA)
- Quality & Reliability (AREA)
- Tourism & Hospitality (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention discloses a kind of virtual air control transaction systems of credit card based on shopping app, including transaction system assembly, the transaction system assembly includes subscriber information management module, merchant information management module, trade management module, financial management module and communication management module, the subscriber information management module includes user information authentication submodule and credit card examination ＆ verification submodule, and the merchant information management module includes merchant information authentication sub module, contract management information management submodule and bank card examination ＆ verification submodule.The present invention can so that shopping app user is directly directly consumed using credit card, simplify the process of credit card funded payment, increase the frequency of use of user credit card, user and trade company can mutually transfer accounts to credit card and transaction platform by management submodule of transferring accounts, the flexible performance of credit card trade is improved, great convenience is provided for user and trade company.
Description
Technical field
The present invention relates to the virtual sub-control transaction technology field of credit card more particularly to a kind of credits card based on shopping app
Virtual air control transaction system.
Background technology
Credit card is that bank issues to personal and unit, is whereby showed to the shopping of contributing unit, consumption and to bank access
Gold, form are that a front is printed on the contents such as issuing bank's title, the term of validity, number, holder name, card face have chip,
Magnetic stripe, signature strip, credit card issue holder according to the credit rating of user by bank or credit card company with financial resources, and holder holds
It without cash payment during credit card purchase, refunds again when bill day, many credit card issuing banks can all make with businessman
The user volume of oneself is improved with the mode of total mark of consumption, but with the popularization of mobile phone shopping app, while many users use hand
During machine shopping app payments, abandon using because the process of credit card funded payment is cumbersome so that the people consumed using credit card
Group reduces.
The content of the invention
Technical problems based on background technology, the present invention propose a kind of virtual wind of credit card based on shopping app
Control transaction system.
A kind of virtual air control transaction system of credit card based on shopping app proposed by the present invention, including transaction system assembly,
The transaction system assembly includes subscriber information management module, merchant information management module, trade management module, financial management mould
Block and communication management module, the subscriber information management module include user information authentication submodule and credit card examination ＆ verification submodule
Block, the merchant information management module include merchant information authentication sub module, contract management information management submodule and bank card
Submodule is audited, the transaction modules choose submodule and trade company's commodity submodule, the financial management module bag including user
It includes clearance management submodule and management submodule of transferring accounts, the communication management module includes trade company's communication submodule and user communication
Submodule, and trade company's communication submodule and user communication submodule are same as trade company and the information communication of user respectively.
Preferably, the user information authentication submodule, which is used to do shopping, carries out the membership information of real-name authentication in app user
Examination ＆ verification, and can according to member provide data carry out by or refusal operation, credit card examination ＆ verification submodule for do shopping app use
Family carries out the examination ＆ verification of binding credit card information, can be carried out according to the data that member provides by or refuse operation.
Preferably, the merchant information authentication sub module carries out examination ＆ verification and the business of the membership information of real-name authentication for trade company
Product restocking introduction, and contract management information management submodule is used to provide the contract management that trade company signs with shopping platform, bank
Card examination ＆ verification submodule.
Preferably, trade company's commodity submodule is for showing that trade company provides Commdity advertisement and information, and user chooses son
Module carries out the free choice of goods and definite order for the app user that does shopping.
Preferably, the clearance management submodule carries out shopping clearing for the app user that does shopping, and do shopping app user into
Row order is submitted, and clearance management submodule follows Secure Electronics Transactions protocol and carried out to shopping app user credit cards issuing bank
Transaction application after shopping app user credit cards issuing bank provides definite information, communicates submodule and user by trade company respectively
Communication submodule carries out communication prompting to trade company and user and determines, shopping app user passes through short message content at shopping app interfaces
It is determined, merchandises and set up after determining.
Preferably, management submodule the withdrawing deposit, transferring accounts etc. and audited, tied for platform user and trade company of transferring accounts
It calculates, the application withdrawn deposit of transfer accounts management submodule displaying user or trade company, and it is audited, audit the money that will withdraw deposit after passing through
The credit card of user or the bank card of trade company are delivered to, when user or trade company are supplemented with money, management submodule of transferring accounts follows safety
Electronic transaction protocol is traded application to issuing bank, after issuing bank provides definite information, passes through trade company respectively and communicates son
Module or user communication submodule carry out communication prompting to trade company or user and determine, after management submodule examination ＆ verification of transferring accounts passes through
It transfers accounts and applies for list, confirm link as final, click on confirmation and keeps accounts, then cash can be supplemented with money into trade company or user account.
Having the beneficial effect that in the present invention：
1. a kind of virtual air control transaction system of credit card based on shopping app proposed by the present invention, passes through user's message tube
Reason module carries out shopping app user the examination ＆ verification of binding credit card information, and shopping app user can be caused directly to use credit card
It is directly consumed, simplifies the process of credit card funded payment, increase the frequency of use of user credit card.
2. a kind of virtual air control transaction system of credit card based on shopping app proposed by the present invention, passes through telecommunication management mould
Block, user send Transaction Information and verification information, it is necessary to which user exists in payment, using user communication submodule to user mobile phone
It is verified in shopping app, adds the security performance of credit card trade, credit card transaction information is avoided to be stolen.
3. a kind of virtual air control transaction system of credit card based on shopping app proposed by the present invention, passes through management of transferring accounts
Module, user and trade company can mutually transfer accounts to credit card and transaction platform by management submodule of transferring accounts, and improve credit
Block the flexible performance of transaction, great convenience is provided for user and trade company.
Description of the drawings
Fig. 1 is that a kind of system flow of virtual air control transaction system of credit card based on shopping app proposed by the present invention shows
It is intended to；
Fig. 2 is a kind of transaction flow knot of virtual air control transaction system of credit card based on shopping app proposed by the present invention
Structure schematic diagram.
Specific embodiment
Below in conjunction with the attached drawing in the embodiment of the present invention, the technical solution in the embodiment of the present invention is carried out clear, complete
Site preparation describes, it is clear that described embodiment is only part of the embodiment of the present invention, instead of all the embodiments.
With reference to Fig. 1-2, a kind of virtual air control transaction system of credit card based on shopping app including transaction system assembly, is handed over
Easy system synthesis includes subscriber information management module, merchant information management module, trade management module, financial management module and leads to
Believe management module, subscriber information management module includes user information authentication submodule and credit card examination ＆ verification submodule, merchant information
Management module includes merchant information authentication sub module, contract management information management submodule and bank card examination ＆ verification submodule, transaction
Module chooses submodule and trade company's commodity submodule including user, and financial management module includes clearance management submodule and pipe of transferring accounts
Submodule is managed, communication management module includes trade company's communication submodule and user communication submodule, and trade company's communication submodule and use
Family communication submodule is same as trade company and the information communication of user respectively.
In the present invention, user information authentication submodule is for the membership information of progress real-name authentication in the app user that does shopping
Examination ＆ verification, and can be carried out according to the data that member provides by or refuse operation, credit card examination ＆ verification submodule is for the app user that does shopping
The examination ＆ verification of binding credit card information is carried out, can be carried out according to the data that member provides by or refuses operation, merchant information certification
Submodule carries out the examination ＆ verification of membership information of real-name authentication and commodity restocking introduction, and contract management information management for trade company
Module is used to provide the contract management that trade company signs with shopping platform, bank card examination ＆ verification submodule, and trade company's commodity submodule is used for
Show that trade company provides Commdity advertisement and information, and user chooses submodule and carries out the free choice of goods for the app user that does shopping and determine
Order, clearance management submodule carry out shopping clearing for the app user that does shopping, and the app user that does shopping carries out order submission, clearance
Management submodule follows Secure Electronics Transactions protocol and is traded application to shopping app user credit cards issuing bank, and do shopping app
After user credit card issuing bank provides definite information, submodule and user communication submodule are communicated to trade company by trade company respectively
Communication prompting is carried out with user and is determined, shopping app user is determined at shopping app interfaces by short message content, after determining
Transaction is set up, management submodule withdrawing deposit, transferring accounts etc. and audited, settled accounts for platform user and trade company of transferring accounts, management of transferring accounts
Submodule shows the application withdrawn deposit of user or trade company, and it is audited, and audits the money that will withdraw deposit after passing through and is delivered to user
Credit card or trade company bank card, when user or trade company are supplemented with money, transfer accounts management submodule follow secure electronic transaction association
It discusses to issuing bank and is traded application, after issuing bank provides definite information, pass through trade company respectively and communicate submodule or user
Communication submodule carries out communication prompting to trade company or user and determines, management submodule of transferring accounts audits the application row of transferring accounts after passing through
Table confirms link as final, clicks on confirmation and keep accounts, then cash can be supplemented with money into trade company or user account.
The foregoing is only a preferred embodiment of the present invention, but protection scope of the present invention be not limited thereto,
Any one skilled in the art in the technical scope disclosed by the present invention, technique according to the invention scheme and its
Inventive concept is subject to equivalent substitution or change, should be covered by the protection scope of the present invention.
Claims (6)
1. a kind of virtual air control transaction system of credit card based on shopping app, including transaction system assembly, which is characterized in that institute
Stating transaction system assembly includes subscriber information management module, merchant information management module, trade management module, financial management module
And communication management module, the subscriber information management module include user information authentication submodule and credit card examination ＆ verification submodule,
The merchant information management module includes merchant information authentication sub module, contract management information management submodule and bank card examination ＆ verification
Submodule, the transaction modules choose submodule and trade company's commodity submodule including user, and the financial management module includes clear
It calculates management submodule and management submodule of transferring accounts, the communication management module includes trade company's communication submodule and user communication submodule
Block, and trade company's communication submodule and user communication submodule are same as trade company and the information communication of user respectively.
2. a kind of virtual air control transaction system of credit card based on shopping app according to claim 1, which is characterized in that
The user information authentication submodule is used to do shopping the examination ＆ verification of the membership information that real-name authentication is carried out in app user, and can basis
The data that member provides carries out by or refuses operation, and credit card examination ＆ verification submodule carries out binding credit for the app user that does shopping
The examination ＆ verification of card information can carry out by according to the data that member provides or refuse operation.
3. a kind of virtual air control transaction system of credit card based on shopping app according to claim 1, which is characterized in that
The merchant information authentication sub module carries out the examination ＆ verification of membership information of real-name authentication and commodity restocking introduction for trade company, and closes
It is used to provide trade company and the contract management of shopping platform signing, bank card examination ＆ verification submodule with management information management submodule.
4. a kind of virtual air control transaction system of credit card based on shopping app according to claim 1, which is characterized in that
Trade company's commodity submodule is for showing that trade company provides Commdity advertisement and information, and user chooses submodule for the app that does shopping
User carries out the free choice of goods and definite order.
5. a kind of virtual air control transaction system of credit card based on shopping app according to claim 1, which is characterized in that
The clearance management submodule carries out shopping clearing for the app user that does shopping, and the app user that does shopping carries out order submission, clearance
Management submodule follows Secure Electronics Transactions protocol and is traded application to shopping app user credit cards issuing bank, and do shopping app
After user credit card issuing bank provides definite information, submodule and user communication submodule are communicated to trade company by trade company respectively
Communication prompting is carried out with user and is determined, shopping app user is determined at shopping app interfaces by short message content, after determining
Transaction is set up.
6. a kind of virtual air control transaction system of credit card based on shopping app according to claim 1, which is characterized in that
Management submodule the withdrawing deposit, transferring accounts etc. and audited, settled accounts for platform user and trade company of transferring accounts, management submodule of transferring accounts
It shows the application withdrawn deposit of user or trade company, and it is audited, money of withdrawing deposit is delivered to the credit of user by examination ＆ verification after passing through
Card or the bank card of trade company, when user or trade company are supplemented with money, management submodule of transferring accounts follows Secure Electronics Transactions protocol to hair
Card bank is traded application, after issuing bank provides definite information, passes through trade company respectively and communicates submodule or user communication
Module carries out communication prompting to trade company or user and determines, management submodule of transferring accounts audits the application list of transferring accounts after passing through, and makees
Finally to confirm link, click on confirmation and keep accounts, then cash can be supplemented with money into trade company or user account.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201711371434.2A CN108090676A (en) | 2017-12-19 | 2017-12-19 | A kind of virtual air control transaction system of credit card based on shopping app |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201711371434.2A CN108090676A (en) | 2017-12-19 | 2017-12-19 | A kind of virtual air control transaction system of credit card based on shopping app |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN108090676A true CN108090676A (en) | 2018-05-29 |
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Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201711371434.2A Pending CN108090676A (en) | 2017-12-19 | 2017-12-19 | A kind of virtual air control transaction system of credit card based on shopping app |
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| CN (1) | CN108090676A (en) |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN109272399A (en) * | 2018-09-18 | 2019-01-25 | 中国银行股份有限公司 | A kind of management method and device of credit card |
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|---|---|---|---|---|
| CN1645888A (en) * | 2005-01-31 | 2005-07-27 | 冯庆元 | Device and method for paying and pre-paying telephone rate by virtual card |
| CN101071490A (en) * | 2007-03-23 | 2007-11-14 | 田小平 | Member name and bank card binding electronic business system and method |
| CN102282593A (en) * | 2008-10-24 | 2011-12-14 | Uc集团有限公司 | Systems and methods for processing transactions with online merchants |
| CN103489095A (en) * | 2013-10-08 | 2014-01-01 | 百度在线网络技术（北京）有限公司 | Electronic transaction method and system and payment platform system |
-
2017
- 2017-12-19 CN CN201711371434.2A patent/CN108090676A/en active Pending
Patent Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1645888A (en) * | 2005-01-31 | 2005-07-27 | 冯庆元 | Device and method for paying and pre-paying telephone rate by virtual card |
| CN101071490A (en) * | 2007-03-23 | 2007-11-14 | 田小平 | Member name and bank card binding electronic business system and method |
| CN102282593A (en) * | 2008-10-24 | 2011-12-14 | Uc集团有限公司 | Systems and methods for processing transactions with online merchants |
| CN103489095A (en) * | 2013-10-08 | 2014-01-01 | 百度在线网络技术（北京）有限公司 | Electronic transaction method and system and payment platform system |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN109272399A (en) * | 2018-09-18 | 2019-01-25 | 中国银行股份有限公司 | A kind of management method and device of credit card |
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Application publication date: 20180529 |