CN109146668A - A kind of campus banking management system based on Internet of Things - Google Patents
A kind of campus banking management system based on Internet of Things Download PDFInfo
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- CN109146668A CN109146668A CN201810965706.XA CN201810965706A CN109146668A CN 109146668 A CN109146668 A CN 109146668A CN 201810965706 A CN201810965706 A CN 201810965706A CN 109146668 A CN109146668 A CN 109146668A
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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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
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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
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
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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
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3278—RFID or NFC payments by means of M-devices
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- Accounting & Taxation (AREA)
- Engineering & Computer Science (AREA)
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- General Business, Economics & Management (AREA)
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- Marketing (AREA)
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- Computer Networks & Wireless Communication (AREA)
- Computer Security & Cryptography (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention discloses a kind of wisdom commercial circle banking management system based on Internet of Things, it is characterised by comprising: system of account, mobile terminal, remote payment client, live accepting terminal, payment access system, transaction system, settle accounts calculation system, pay content platform, trade company's management system, payment support system；The core position based on the mobile financial payment systems of Internet of Things under cloud platform is arranged in the system of account, the mobile terminal is connected between remote payment client and live accepting terminal, the remote payment client is connected to the upside of mobile terminal, the live accepting terminal is connected to the downside of mobile terminal, the payment access system is connected to the front side of transaction system, the transaction system is connected between payment access system and trade company's management system, the settle accounts calculation system is connected to the rear side of trade company's management system, the pay content platform is connected to the side of mobile terminal.
Description
Technical field
The present invention relates to a kind of banking management systems, and in particular to a kind of campus banking management system based on Internet of Things.
Background technique
Before, the rapid development of the generation information technologies such as mobile Internet, Internet of Things, cloud computing is brought to mobile payment
The Creative Science and Technology Co. Ltd of new opportunity to develop, practicality and availability realizes resource increment and increase in value.The technologies such as Internet of Things
The market for greatly extending mobile electronic payment has innovated the new industry situation of mobile payment industry, has brought new quotient for mobile payment
Machine and new model.Mobile finance is under the overall background of mobile Internet development, using mobile terminals such as mobile phone, tablet computers as silver
Client in row business platform meets the financial needs of client.
The operating mode of mobile payment at present mainly has following three classes: being the mobile payment of subject of operation with mobile operator
Business with bank for the mobile payment service of subject of operation and with independent third party is the mobile payment service of subject of operation.
These three types of modes respectively have advantage and disadvantage, and in mobile payment service industry value chain, mobile operator, bank, third party's service are mentioned
Possess respectively different resources advantages for quotient, scientific and reasonable mobile payment industry is established in only rational division of work, hand-in-glove each other
The operating mode of business could push the sound development of mobile payment service, and the present invention is with mobile operator, bank, third
The new model that square service provider cooperates develops new mobile financial payment mode, benefits place, realizes links
Between win-win.
Currently, traditional mobile financial payment method and system, there are mobile payment rogue program, difficulty of transferring accounts, payment is not
It is convenient, the problem of having a single function.
Summary of the invention
The technical problem to be solved by the present invention is to traditional mobile financial payment method and system, there are mobile payment evils
The problem of meaning program, difficulty of transferring accounts, payment is inconvenient, has a single function is, and it is an object of the present invention to provide a kind of campus gold based on Internet of Things
Melt management system, solves the problem above-mentioned.
The present invention is achieved through the following technical solutions:
A kind of campus banking management system based on Internet of Things characterized by comprising system of account, mobile terminal, remote
Journey payment client terminal, live accepting terminal, payment access system, transaction system, settle accounts calculation system, pay content platform, trade company
Management system, payment support system；Further including should include long-range branch based on the mobile financial payment method of Internet of Things under cloud platform
It pays, near field pays online consumption, near field pays off-line consumption；
The core position based on the mobile financial payment systems of Internet of Things under cloud platform is arranged in the system of account, described
Mobile terminal be connected between remote payment client and live accepting terminal, the remote payment client is connected to shifting
The upside of dynamic terminal, the live accepting terminal are connected to the downside of mobile terminal, and the payment access system is connected to
The front side of transaction system, the transaction system are connected between payment access system and trade company's management system, and described settles accounts
Calculation system is connected to the rear side of trade company's management system, and the pay content platform is connected to the side of mobile terminal, described
Trade company's management system is connected to the upside of system of account, and the payment support system is connected to the downside of settle accounts calculation system；Institute
The system of account stated specifically uses mobile payment account, and type includes bank account, Third-party payment account, operators communication generation
Charging account, offline wallet account, points account are managed, the pay content platform specifically uses cloud storage platform, cloud storage
Using Web development language PHP as preferred supporting language, Web developer passes through platform on Linux/Mac/Windows
SDK or Web editions online SDK is developed, is disposed, is debugged, and member's cooperation is also carried out when team develops, different roles is to generation
Code, project possess different permissions.The near field payment off-line consumption, which refers to, refers to user using mobile terminal, directly by existing
Off line accepting terminal is authenticated and is paid, and accepting terminal periodically uploads transaction data, Third-party payment mechanism daily with spy
The about payment flow of trade company's reconciliation, user select commodity and service in businessman shop, and user to trade company's cashier settles accounts, and trade company exists
Spending amount is inputted in live off line accepting terminal, by near-field communication technology, account is initiated to mobile terminal/smart card and withholds
Request, mobile terminal/receive are withholdd to withhold directly to withhold and return in offline wallet after the authentication is passed after request and be buckled
Money response completes payment process to accepting terminal user, and accepting terminal timing in off line scene uploads transaction data, Third-party payment
Daily with franchised business's reconciliation, Third-party payment mechanism settles accounts department according to the billing cycle of trade company, according to system for mechanism
Settlement data sends out payment request to bank.
Further, the Third-party payment account refers to that Third-party payment mechanism is the cyber money account body that client establishes
System, the circulation of fund must rely on bank to complete, and Third-party payment mechanism, which needs to establish in bank, deposits pipe account, be divided into deposit account
Family and account of payment, receive the savings account of client supplemented fund with money and fully deposit pipe account, and savings account cannot be directly right
Outer payment can only remit money to account of payment, and account of payment can only be according to the agreement of Third-party payment mechanism and franchised business, Xiang Te
About merchant account is settled accounts, and Third-party payment mechanism collects deserved formality to trade company according to agreement, user by bank account to
Third-party payment account charging, Third-party payment platform will increase user account remaining sum, while by the money in user's bank account
Gold is transferred to the cash in banks account of Third-party payment company, and user using Third-party payment account when being paid, third party
Payment platform reduces user account remaining sum, while settlement data is issued bank, is completed by bank from Third-party payment company silver
The capital settlement of row account of payment and trade company's bank account, Third-party payment company is according to the needs of business accounting, periodically or not
Regularly remit money from cash in banks account to payment account.
Further, the live accepting terminal includes mobile wireless POS machine, and setting intelligent electronic label is connected to shifting
The front side of dynamic wireless POS machine, intelligent electronic label specifically use RFID RF Reader.
It is provided by the invention to have used RFID of Internet-of-things to identify skill based on the mobile financial payment systems of Internet of Things under cloud platform
Art realizes and provides data input for the payment sweep test of intelligent terminal；Cloud platform using pay content platform is big
Datum number storage changes the mode of present payment system it is believed that breath progress information sharing；It is mobile based on Internet of Things under cloud platform
Financial payment method has used RFID of Internet-of-things identification technology, cloud storage technology, big data processing technique, and it is special to have customer service
Line, short message are logical, wireless ATM, move the functions such as POS, mobile phone wallet.Based on the mobile financial payment systems of Internet of Things under cloud platform and
Method realizes Mobile banking and handles account inquiries, transfer accounts, remit money, Investment & Financing, payment, prepaid mobile phone recharging, credit card repayment, hand
It is easy, rich to have the function of that convenient with oneself, application is transferred accounts for the electronic banking of the self-service financial service such as machine payment and credit inquiry
The features such as rich, safe and reliable.
Detailed description of the invention
Attached drawing described herein is used to provide to further understand the embodiment of the present invention, constitutes one of the application
Point, do not constitute the restriction to the embodiment of the present invention.In the accompanying drawings:
Fig. 1 is present system flow chart.
Specific embodiment
To make the objectives, technical solutions, and advantages of the present invention clearer, below with reference to embodiment and attached drawing, to this
Invention is described in further detail, and exemplary embodiment of the invention and its explanation for explaining only the invention, are not made
For limitation of the invention.
Embodiment
As shown in Figure 1, a kind of campus banking management system based on Internet of Things of the present invention, a kind of campus based on Internet of Things
Banking management system characterized by comprising system of account, mobile terminal, remote payment client, live accepting terminal, branch
Pay access system, transaction system, settle accounts calculation system, pay content platform, trade company's management system, payment support system；
The core position based on the mobile financial payment systems of Internet of Things under cloud platform is arranged in the system of account, described
Mobile terminal be connected between remote payment client and live accepting terminal, the remote payment client is connected to shifting
The upside of dynamic terminal, the live accepting terminal are connected to the downside of mobile terminal, and the payment access system is connected to
The front side of transaction system, the transaction system are connected between payment access system and trade company's management system, and described settles accounts
Calculation system is connected to the rear side of trade company's management system, and the pay content platform is connected to the side of mobile terminal, described
Trade company's management system is connected to the upside of system of account, and the payment support system is connected to the downside of settle accounts calculation system；Institute
The system of account stated specifically uses mobile payment account, and type includes bank account, Third-party payment account, operators communication generation
Charging account, offline wallet account, points account are managed, the pay content platform specifically uses cloud storage platform, cloud storage
Using Web development language PHP as preferred supporting language, Web developer passes through platform on Linux/Mac/Windows
SDK or Web editions online SDK is developed, is disposed, is debugged, and member's cooperation is also carried out when team develops, different roles is to generation
Code, project possess different permissions.
Further, the Third-party payment account refers to that Third-party payment mechanism is the cyber money account body that client establishes
System, the circulation of fund must rely on bank to complete, and Third-party payment mechanism, which needs to establish in bank, deposits pipe account, be divided into deposit account
Family and account of payment, receive the savings account of client supplemented fund with money and fully deposit pipe account, and savings account cannot be directly right
Outer payment can only remit money to account of payment, and account of payment can only be according to the agreement of Third-party payment mechanism and franchised business, Xiang Te
About merchant account is settled accounts, and Third-party payment mechanism collects deserved formality to trade company according to agreement, user by bank account to
Third-party payment account charging, Third-party payment platform will increase user account remaining sum, while by the money in user's bank account
Gold is transferred to the cash in banks account of Third-party payment company, and user using Third-party payment account when being paid, third party
Payment platform reduces user account remaining sum, while settlement data is issued bank, is completed by bank from Third-party payment company silver
The capital settlement of row account of payment and trade company's bank account, Third-party payment company is according to the needs of business accounting, periodically or not
Regularly remit money from cash in banks account to payment account.
Further, the live accepting terminal includes mobile wireless POS machine, and setting intelligent electronic label is connected to shifting
The front side of dynamic wireless POS machine, intelligent electronic label specifically use RFID RF Reader.
It is provided by the invention to have used RFID of Internet-of-things to identify skill based on the mobile financial payment systems of Internet of Things under cloud platform
Art realizes and provides data input for the payment sweep test of intelligent terminal；Cloud platform using pay content platform is big
Datum number storage changes the mode of present payment system it is believed that breath progress information sharing；It is mobile based on Internet of Things under cloud platform
Financial payment method has used RFID of Internet-of-things identification technology, cloud storage technology, big data processing technique, and it is special to have customer service
Line, short message are logical, wireless ATM, move the functions such as POS, mobile phone wallet.Based on the mobile financial payment systems of Internet of Things under cloud platform and
Method realizes Mobile banking and handles account inquiries, transfer accounts, remit money, Investment & Financing, payment, prepaid mobile phone recharging, credit card repayment, hand
It is easy, rich to have the function of that convenient with oneself, application is transferred accounts for the electronic banking of the self-service financial service such as machine payment and credit inquiry
The features such as rich, safe and reliable.
Above-described specific embodiment has carried out further the purpose of the present invention, technical scheme and beneficial effects
It is described in detail, it should be understood that being not intended to limit the present invention the foregoing is merely a specific embodiment of the invention
Protection scope, all within the spirits and principles of the present invention, any modification, equivalent substitution, improvement and etc. done should all include
Within protection scope of the present invention.
Claims (4)
1. a kind of wisdom commercial circle banking management system based on Internet of Things, which is characterized in that including system of account, mobile terminal,
Remote payment client, live accepting terminal, payment access system, transaction system, settle accounts calculation system, pay content platform, quotient
Family management system, payment support system；Further including should include long-range branch based on the mobile financial payment method of Internet of Things under cloud platform
It pays, near field pays online consumption, near field pays off-line consumption；
The core position based on the mobile financial payment systems of Internet of Things under cloud platform, the shifting is arranged in the system of account
Dynamic terminal is connected between remote payment client and live accepting terminal, and the remote payment client is connected to mobile whole
The upside at end, the live accepting terminal are connected to the downside of mobile terminal, and the payment access system is connected to transaction
The front side of system, the transaction system are connected between payment access system and trade company's management system, the settle accounts calculation system
System is connected to the rear side of trade company's management system, and the pay content platform is connected to the side of mobile terminal, the trade company
Management system is connected to the upside of system of account, and the payment support system is connected to the downside of settle accounts calculation system；Described
System of account specifically uses mobile payment account, and type includes bank account, Third-party payment account, operators communication agency's receipts
Take account, offline wallet account, points account, the pay content platform specifically uses cloud storage platform, cloud storage platform
Using Web development language PHP as preferred supporting language, Web developer on Linux/Mac/Windows by SDK or
Person Web editions online SDK are developed, dispose, are debugged, and member's cooperation are also carried out when team develops, different roles is to code, item
Mesh possesses different permissions.
2. a kind of wisdom commercial circle banking management system based on Internet of Things according to claim 1, which is characterized in that described
Third-party payment account refers to that Third-party payment mechanism is the cyber money account system that client establishes, and the circulation of fund must rely on
Bank completes, and Third-party payment mechanism, which needs to establish in bank, deposits pipe account, is divided into savings account and account of payment, receives client
The savings account supplemented fund with money and fully deposit pipe account, savings account cannot directly foreign payment can only to account of payment draw
Money, account of payment can only be according to the agreements of Third-party payment mechanism and franchised business, to franchised business's account settlement, third party's branch
It pays mechanism and deserved formality is collected to trade company according to agreement, user passes through bank account to Third-party payment account charging, third
Square payment platform will increase user account remaining sum, while the fund in user's bank account is transferred to Third-party payment company
Cash in banks account, for user when being paid using Third-party payment account, Third-party payment platform reduces user account remaining sum,
Settlement data issued into bank simultaneously, is completed by bank from bank of Third-party payment company account of payment and trade company's bank account
Capital settlement, Third-party payment company is according to the needs of business accounting, periodically or non-periodically from cash in banks account to payment
Account is remitted money.
3. a kind of wisdom commercial circle banking management system based on Internet of Things according to claim 1, which is characterized in that described
Live accepting terminal include mobile wireless POS machine, setting intelligent electronic label is connected to the front side of mobile wireless POS machine, intelligence
Energy electronic tag specifically uses RFID RF Reader.
4. a kind of wisdom commercial circle banking management system based on Internet of Things according to claim 1, which is characterized in that described
Near field payment off-line consumption refer to and refer to that user using mobile terminal, is directly authenticated and propped up by scene off line accepting terminal
Pay, accepting terminal periodically uploads transaction data, Third-party payment mechanism daily with the payment flow of franchised business reconciliation, Yong Hu
Commodity and service are selected in businessman shop, user to trade company's cashier settles accounts, and input is consumed in off line accepting terminal at the scene for trade company
The amount of money is initiated account to mobile terminal/smart card and is withholdd request by near-field communication technology, mobile terminal/receive request of withholing
Withhold afterwards directly withhold in offline wallet after the authentication is passed and return withhold response to accepting terminal user complete branch
Pay process, off line scene accepting terminal timing upload transaction data, Third-party payment mechanism daily with franchised business's reconciliation, third
Payment request is sent out to bank according to the settlement data of system according to the billing cycle of trade company by the clearing department of square payment mechanism.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810965706.XA CN109146668A (en) | 2018-08-23 | 2018-08-23 | A kind of campus banking management system based on Internet of Things |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810965706.XA CN109146668A (en) | 2018-08-23 | 2018-08-23 | A kind of campus banking management system based on Internet of Things |
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| Publication Number | Publication Date |
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| CN109146668A true CN109146668A (en) | 2019-01-04 |
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| Application Number | Title | Priority Date | Filing Date |
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| CN201810965706.XA Withdrawn CN109146668A (en) | 2018-08-23 | 2018-08-23 | A kind of campus banking management system based on Internet of Things |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN112184199A (en) * | 2020-11-12 | 2021-01-05 | 深圳市爱云信息科技有限公司 | Intelligent supply chain block chain BaaS cross-border digital payment platform |
-
2018
- 2018-08-23 CN CN201810965706.XA patent/CN109146668A/en not_active Withdrawn
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN112184199A (en) * | 2020-11-12 | 2021-01-05 | 深圳市爱云信息科技有限公司 | Intelligent supply chain block chain BaaS cross-border digital payment platform |
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| PB01 | Publication | ||
| PB01 | Publication | ||
| WW01 | Invention patent application withdrawn after publication |
Application publication date: 20190104 |
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| WW01 | Invention patent application withdrawn after publication |