CN109447752A - A kind of order transaction method for internet electric business - Google Patents
A kind of order transaction method for internet electric business Download PDFInfo
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- CN109447752A CN109447752A CN201811252244.3A CN201811252244A CN109447752A CN 109447752 A CN109447752 A CN 109447752A CN 201811252244 A CN201811252244 A CN 201811252244A CN 109447752 A CN109447752 A CN 109447752A
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- 238000013475 authorization Methods 0.000 claims description 31
- 230000008569 process Effects 0.000 claims description 12
- 239000000463 material Substances 0.000 claims description 10
- 230000005540 biological transmission Effects 0.000 claims description 8
- 238000007689 inspection Methods 0.000 claims description 6
- 238000004458 analytical method Methods 0.000 claims description 3
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- 230000001960 triggered effect Effects 0.000 claims description 3
- 230000003466 anti-cipated effect Effects 0.000 abstract description 4
- 238000004891 communication Methods 0.000 description 10
- 238000012790 confirmation Methods 0.000 description 6
- 238000012546 transfer Methods 0.000 description 5
- 238000013473 artificial intelligence Methods 0.000 description 2
- 238000010586 diagram Methods 0.000 description 2
- PCHJSUWPFVWCPO-UHFFFAOYSA-N gold Chemical compound [Au] PCHJSUWPFVWCPO-UHFFFAOYSA-N 0.000 description 2
- 239000010931 gold Substances 0.000 description 2
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- 239000008267 milk Substances 0.000 description 1
- 210000004080 milk Anatomy 0.000 description 1
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- 238000003672 processing method Methods 0.000 description 1
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
- G06Q30/0633—Lists, e.g. purchase orders, compilation or processing
- G06Q30/0635—Processing of requisition or of purchase orders
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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
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
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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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
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Abstract
The present invention relates to a kind of order transaction methods for internet electric business, and after user is placed an order by intelligent interaction device, intelligent interaction device sends the payment request information comprising token primary account number to payment processing platform；Intelligent interaction device receives storage arrival commodity and detects the characteristic information of trader's product by Internet of Things monitoring device, is then compared it with order commodity data to judge whether to generate clearing triggering information；Token primary account number is mapped as the true primary account number of user by the trading server of payment processing platform, and identifies the delay in payment rule that token primary account number is included, and trading server suspends the clearance message that processing merchant bank sends according to delay in payment rule；If receiving corresponding clearing triggering information in the default logistics time of order, indicate that merchant bank completes order capital settlement.The present invention improves fund utilization efficiency, can be in order commodity without being automatically stopped payment when it is anticipated that reaching, and application field is extensive.
Description
Technical field
The present invention relates to internet and e-commerce field more particularly to a kind of order transaction sides for internet electric business
Method.
Background technique
At this stage, internet electronic business gradually plays very big effect in China's economy, not only bring through
Income in Ji also changes the consumption habit and economic structure of people.
Currently, the generation environment of electronic payment is most of in internet, in other words in the net of an opposing open
In network environment, this just brings corresponding safety problem.In addition, for long-range stable development, it is necessary to have one it is good
Credit mechanism, however China does not also establish perfect credit system in enterprise and individual at present.
Considering in terms of based on safety and credit, the payment of internet electric business is primarily present following manner at present:
1, it is paid using Third-party payment platform as credit intermediary.After consumer is bought goods by network,
Pay the corresponding fund of order to Third-party payment platform (for example, Alipay), payment platform provides order after confirmation of receiving
Gold pays businessman.The technical solution has a drawback in that the fund of user can be deposited in third-party platform for a period of time, causes
Fund could not efficiently use.For businessman, even if user after receiving goods, pays the bill not in time or forgets if user confirms
Confirmation, will lead to the time delay of gathering, reduces efficiency of fund operations.
2, scene is consumed for certain B2C using payment card transaction, payment card transaction can handle all related sides and carry out
Row its respectively obligation Successful Transaction.Businessman from its Shou Dan financial institution provide quick authorization with to client provide commodity, with
The fund transfer between account is arranged and carried out during several days afterwards between financial institution.In this case, financial institution it
Between fund allocation need human intervention if order does not reach as expected independently of the actual transfer of commodity to prevent stopping payment
Money reverses payment.This needs so many people to be participated in, and brings unnecessary burden to related personnel and financial institution.
Therefore, disappearing for the internet B2C electric business such as the orders of commodity such as milk in the supply of material of unmanned supermarket, intelligence community
Take scene, needs to be promoted the utilization efficiency of fund, while in order commodity without being automatically stopped payment when it is anticipated that reaching, from
And the transfer of order fund and the practical arrival situation of order commodity are matched.
Summary of the invention
For the deficiencies of the prior art, the present invention provides a kind of order transaction method for internet electric business, with
After family is accessed the shop of online merchants and placed an order by intelligent interaction device, intelligent interaction device is sent to payment processing platform
Payment request information comprising token primary account number, the token primary account number are used to indicate that order payment is to payment processing platform
It is initiated by intelligent interaction device, and should be according to the payment of the delay in payment rule process order；Token primary account number includes
Following delay in payment rule: pause processing clearance message, until associated intelligent interaction device confirms an order commodity by just
Really receive；
Intelligent interaction device receives storage arrival commodity and detects that the feature of trader's product is believed by Internet of Things monitoring device
Then the characteristic information of arrival commodity is compared to judge whether to generate clearing triggering letter by breath with the commodity data in order
Breath；
Token primary account number is mapped as the true primary account number of user by the trading server of payment processing platform, and identifies order
The delay in payment rule that board primary account number is included, trading server suspend what processing merchant bank sent according to delay in payment rule
Clear message；If receiving corresponding clearing triggering information in the default logistics time of order, indicate that merchant bank completes
Order capital settlement；If not receiving corresponding clearing triggering information when the default logistics time of order expires, close clear
It calculates process and clearing error message is sent to online merchants and intelligent interaction device.
According to a preferred embodiment, after the payment request information for receiving intelligent interaction device transmission, at payment
Payment request information is transmitted to online merchants by platform, and online merchants are to payment request information authorization and are transferred to receipts list
Bank；
Authorization requests are forwarded to trading server by merchant bank, and token primary account number is mapped to user's by trading server
On true primary account number, to identify the correct payment account for belonging to user；
Authorization requests are transmitted to draw bank relevant to the payment account of user to carry out transaction batch by trading server
It is quasi-；Draw bank carries out the inspection of account standard, after inspection result complies with standard, ratifies authorization requests and sends approval authorization
To trading server；
Approval authorization is forwarded to merchant bank via trading server, and merchant bank generates clearance message and sends it to
Trading server, clearance message includes authorization message, settlement detail and transaction record；
Trading server suspends the clearance message that processing merchant bank sends according to delay in payment rule；If receiving corresponding
Clearing trigger information, then generate trading instruction and be sent to merchant bank, merchant bank execute settlement of transactions.
According to a preferred embodiment, the payment request information include payment amount, user token primary account number and
The identifier of Internet of Things monitoring device；
Internet of Things monitoring device detects the characteristic information of trader's product and is sent to it via Intelligent internet of things gateway
It send to the processing unit of intelligent interaction device, intelligent interaction device is by the commodity data in the characteristic information and order of arrival commodity
It is compared, if the two matches, generates the identifier clearing triggering information comprising Internet of Things monitoring device；
After receiving clearing triggering information, clearing are triggered the mark of the Internet of Things monitoring device in information by trading server
Know symbol to be compared with the identifier of the Internet of Things monitoring device in the payment request information of the order, triggering letter is settled accounts with judgement
The authenticity of breath.
According to a preferred embodiment, there is the intelligent interaction device Intelligent internet of things gateway and Internet of Things monitoring to set
Standby, the type of the intelligent interaction device includes intelligent commodity shelf, intelligent refrigerator and Intelligent logistics cabinet, the Internet of Things monitoring device
For monitoring the characteristic information of the arrival commodity stored in intelligent interaction device, the characteristic information of arrival commodity includes arrival commodity
Type, quantity, specification, bar code and FRID label information.
According to a preferred embodiment, the Intelligent internet of things gateway is used for the data sent to Internet of Things monitoring device
Optimize processing and forwarding；The Intelligent internet of things gateway flows into row major grade to data according to data type and data content
Sequence, the data that then will be above pre-set priority are transmitted to the processing unit of intelligent interaction device.
According to a preferred embodiment, the Intelligent internet of things gateway analyzes the camera shooting in Internet of Things monitoring device
The video data of machine acquisition, to determine whether picture material has changed from time T1 to time T2；
Intelligent internet of things gateway use comprising rule regulation engine, if picture material of the video camera time T2 at and
Picture material at time T1 is identical, then assigns sub-priority to the video data at time T1；It omits in transmission and has been known
Not Wei sub-priority data.
The invention has the following advantages:
Whether the quantity, specification and order information that the present invention can authenticate to trader's product automatically are consistent, additionally it is possible to be saved in
Photographic intelligence when goods.In addition, order fund will not be occupied by Third-party payment platform, and avoids and receive confirmation not in time
Caused by payment collection time postpone, therefore the utilization efficiency of user's fund is higher, and businessman can collect money in time.The present invention can make to order
The transfer of single fund matches with the practical arrival situation of order commodity, can be no in order commodity it is anticipated that automatic when reaching
It withholds payment, the internet the B2C electric business such as the supply of material of unmanned supermarket, the commercial articles ordering of intelligence community consumption field can be widely used in
Scape.
Detailed description of the invention
Fig. 1 shows the method flow of an embodiment in the present invention；
Fig. 2 shows the structural schematic diagrams of the e-commerce system for executing the method for the present invention；
Fig. 3 shows the work flow diagram of trading server in the present invention.
Specific embodiment
In order to make the objectives, technical solutions and advantages of the present invention clearer, With reference to embodiment and join
According to attached drawing, the present invention is described in more detail.It should be understood that these descriptions are merely illustrative, and it is not intended to limit this hair
Bright range.In addition, in the following description, descriptions of well-known structures and technologies are omitted, to avoid this is unnecessarily obscured
The concept of invention.For example, online merchants are omitted in the present invention, according to ordering, staff under unidirectional line sends packing and logistics is believed
The well-known techniques such as breath and logistics personnel's delivery.
As shown in Figure 1, the order transaction method for internet electric business of the invention the following steps are included:
S1) user accesses the shop of online merchants by intelligent interaction device and places an order；
S2) intelligent interaction device sends the payment request information comprising token primary account number, the order to payment processing platform
Board primary account number is used to indicate that order payment is initiated by intelligent interaction device to payment processing platform, and should be according to prolonging
Slow payment rule handles the payment of the order.Token primary account number includes following delay in payment rule: pause processing clearance message, directly
It has been correctly received to the associated intelligent interaction device commodity that confirm an order.
S3) token primary account number is mapped as the true primary account number of user by the trading server of payment processing platform, and is known
The delay in payment rule that other token primary account number is included, trading server suspend processing merchant bank according to delay in payment rule and send out
The clearance message sent.The step specifically includes:
S3.1) after the payment request information for receiving intelligent interaction device transmission, payment processing platform is by payment request
Information is transmitted to online merchants, and online merchants are to payment request information authorization and are transferred to merchant bank；
S3.2) authorization requests are forwarded to trading server by merchant bank, and token primary account number is mapped to by trading server
On the true primary account number of user, to identify the correct payment account for belonging to user；
S3.3) authorization requests are transmitted to draw bank relevant to the payment account of user to hand over by trading server
Easily approval；Draw bank carries out the inspection of account standard, after inspection result complies with standard, ratifies authorization requests and authorizes approval
It is sent to trading server；
S3.4) approval authorization is forwarded to merchant bank via trading server, merchant bank generate clearance message and by its
It is sent to trading server, clearance message includes authorization message, settlement detail and transaction record；
S3.5) trading server suspends the clearance message that processing merchant bank sends according to delay in payment rule.
S4) intelligent interaction device receives storage arrival commodity and detects the feature of trader's product by Internet of Things monitoring device
Then the characteristic information of arrival commodity is compared to judge whether to generate clearing triggering by information with the commodity data in order
Information；
S5 it) if trading server receives corresponding clearing triggering information, generates trading instruction and is sent to merchant bank,
Merchant bank executes settlement of transactions.
S6) if trading server does not receive down corresponding clearing triggering information in the default logistics time in order,
It closes clearance process and clearing error message is sent to online merchants and intelligent interaction device.
Order transaction processing method when payment card transaction, payment processing platform are used present invention optimizes internet electric business
It can identify the delay in payment rule that token primary account number is included, detect the accurate reception of order commodity in intelligent interaction device
Afterwards, the practical clearing of order fund are completed then.Therefore, the present invention can make transfer and the practical arrival of order commodity of order fund
Situation matches, can be in order commodity without being automatically stopped payment when it is anticipated that reaching.In addition, order fund will not be by
Tripartite's payment platform occupies, and avoids the delay of payment collection time caused by confirmation not in time of receiving, thus improves user's money
The utilization efficiency of gold.
As shown in Fig. 2, the e-commerce system for executing the method for the present invention include online merchants, intelligent interaction device and
Payment processing platform.
Intelligent interaction device has Intelligent internet of things gateway and Internet of Things monitoring device, and intelligent interaction device is for passing through net
Network places an order to online merchants, and after online merchants confirm order, intelligent interaction device sends branch to payment processing platform
Pay solicited message.It should be noted that Internet of Things monitoring device and Intelligent internet of things gateway are general in physics in general
The inside of intelligent interaction device is set in thought.Internet of Things monitoring device, Intelligent internet of things gateway and intelligent interaction device are matched
Relationship is usually matched when equipment initializes, and is stored in the memory of intelligent interaction device.
The type of intelligent interaction device includes the intelligent commodity shelf with memory space, intelligent refrigerator and Intelligent logistics cabinet.Object
Networking monitoring device is used to monitor in intelligent interaction device the arrival commodity of (that is, in memory space of intelligent interaction device) storage
Characteristic information, then the characteristic information of arrival commodity is compared with the commodity data in order with generate settle accounts triggering letter
It ceases and sends it to payment processing platform to complete order payment.Payment request information includes the token of payment amount, user
The identifier of primary account number and Internet of Things monitoring device.The characteristic information of arrival commodity includes the type, quantity, rule of arrival commodity
Lattice, bar code and FRID label information.In addition, intelligent interaction device further include communication node, it is memory, processing unit, defeated
Enter/output equipment.Input-output apparatus generally includes touch-screen display and loudspeaker.Internet of Things monitoring device includes but not
It is limited to video camera, RFID card reader etc..
Online merchants authorize payment request information, confirm an order and provide order institute for providing merchandise news
The commodity data for including.
Payment processing platform includes trading server, merchant bank associated with businessman and payment associated with the user
Bank.Payment processing platform is configured to receive and process payment request information, and the token primary account number of user is mapped as really
Primary account number simultaneously identifies the delay in payment rule that token primary account number is included, and trading server is handled according to delay in payment rule pause
The clearance message that merchant bank sends.
The working principle of the invention and technical detail are specifically described below:
Payment processing platform includes at least one communication node, is configured as the communication node via intelligent interaction device
It is communicated with intelligent interaction device.Similarly, payment processing platform also has communication connection with online merchants.In payment processing platform
In, merchant bank and draw bank have communication connection with trading server.Merchant bank refers to associated with online merchants
Banking structure, draw bank refers to banking structure associated with intelligent interaction device and consumer.
Intelligent interaction device refers to the equipment with commodity storage capacity, calculating and communication function, such as intelligent commodity shelf, intelligence
It can refrigerator and Intelligent logistics cabinet.Intelligent interaction device can be safely with the server communication of online merchants to buy goods.
Initiate order process it is as follows: intelligent interaction device via web browser or mobile application app access businessman
Line shop.The communication between online merchants and intelligent interaction device is sent and received using the communication node of intelligent interaction device.
User initiates order by user interface (such as touch screen interface) operation instruction intelligent interaction device.Optionally,
Order is automatically placed at online merchants, can be triggered according to preset standard and be automatically initiated order, such as by specific time
Order is initiated, or detects that the commodity of storage initiate order when having been used up in Internet of Things monitoring device.User refer to operation and
Manage the commodity consumption person of intelligent interaction device.
Online merchants are usually signed a contract with merchant bank to receive from Payment Card associated with intelligent interaction device
Payment.
After intelligent interaction device is placed an order by network to online merchants, intelligent interaction device is sent out to payment processing platform
Send payment request information.Payment request information includes the mark of payment amount, the token primary account number of user and Internet of Things monitoring device
Know symbol.
Payment request information is transmitted to online merchants by payment processing platform, online merchants to payment request information authorization simultaneously
It is transferred to merchant bank.Payment request information (hereinafter referred to as authorization requests) after authorization is forwarded to payment by merchant bank
Token primary account number is mapped on the true primary account number of user by the trading server of processing platform, trading server, is belonged to identifying
In the correct payment account of user.Then, authorization requests are transmitted to branch relevant to the payment account of user by trading server
Bank is paid to carry out trading approving.Draw bank checks some account standards, such as account status and remaining sum, and in account standard
It checks and ratifies authorization requests when returning to satisfactory result.Then, which is forwarded to merchant bank via payment processing platform.
In addition, approval authorization is also sent to online merchants by merchant bank.
Merchant bank generates clearance message after receiving approval authorization and sends it to the transaction of payment processing platform
Server, clearance message includes authorization message, settlement detail and transaction record.
In the present invention, token primary account number also includes the delay in payment rule that can be paid for processing platform identification, that is, is enabled
Board primary account number be used to the instruction payment of payment processing platform to be initiated by intelligent interaction device, and should be according to delay in payment
The payment of the rule process order.
Specifically, token primary account number should suspend the clearance that processing merchant bank sends to the instruction of payment processing platform and disappear
Breath triggers information until receiving the clearing that corresponding intelligent interaction device is sent in the default logistics time in order.It is aforementioned
The generation process of clearing triggering information is as follows: Internet of Things monitoring device detects the characteristic information of trader's product and by it via intelligence
Things-internet gateway is sent to the processing unit of intelligent interaction device, and intelligent interaction device is by the characteristic information of arrival commodity
It is compared with the commodity data in order, if the two matches, generates clearing triggering information and send it at payment
Platform.
If receiving the clearing triggering information that corresponding intelligent interaction device is sent in the default logistics time of order, branch
The trading server for paying processing platform starts to process the clearance message of merchant bank's transmission, that is, trading server confirmation clearance disappears
Trading instruction is ceased and generates, merchant bank executes settlement of transactions.In this way, fund is just shifted from draw bank associated with the user
To merchant bank associated with online merchants.Default logistics time refers to online merchants at the commodity page of its online shop
The logistics time that the logistics time of setting or online merchants and user arrange after negotiating.
If not receiving the clearing triggering that corresponding intelligent interaction device is sent when the default logistics time of order expires
Information, payment processing platform close clearance process and clearing error message are sent to online merchants and intelligent interaction device.It is logical
In normal situation, pays the bill unsuccessful there are logistics time-out, arrival commodity and the factors such as order is inconsistent, need online merchants and user
Further communication and consultation.
As shown in figure 3, the working method of the trading server of payment processing platform the following steps are included:
S10) trading server receives authorization request message from merchant bank, is traded with authority to pay.Authorization requests include:
Token primary account number, it is associated with the payment account of intelligent interaction device and user.
S20) trading server identifies token primary account number and determination should be according to delay in payment rule process payment transaction.Specifically
Ground, trading server access include the database of multiple token primary account numbers associated with delay in payment rule, and determine token
Primary account number is one of multiple token primary account numbers in database.
S30) trading server from the server of merchant bank receive clearance message, and according to delay in payment rule pause at
Clear calculation message.Clearing message includes authorization message, settlement detail and transaction record.
S40) trading server determines whether receive what corresponding intelligent interaction device was sent in default logistics time
Clearing triggering information.
S50) if receiving corresponding clearing triggering information in default logistics time, trading server confirmation clearance disappears
It ceases and indicates that merchant bank completes capital settlement.
S60) if not receiving corresponding clearing triggering information in default logistics time, trading server closes clearance
Clearing error message is simultaneously sent to online merchants and intelligent interaction device by process.
Preferably, Intelligent internet of things gateway is used to optimize the data that Internet of Things monitoring device is sent processing and turn
Hair；Intelligent internet of things gateway flows into the sequence of row major grade to data according to data type and data content using decision logic,
Then the data that will be above pre-set priority are transmitted to the processing unit of intelligent interaction device.
Intelligent internet of things gateway has certain computing capability, memory and memory capacity and artificial intelligence to analyze this
Ground data are to realize the decision of local rank.Intelligent internet of things gateway has computing unit and memory, Intelligent internet of things gateway
The decision logic of use includes artificial intelligence, video analysis, regulation engine and decision tree.
At work, Intelligent internet of things gateway is not the processing for retaining all data and sending it to intelligent interaction device
Unit, but the sequence of row major grade is flowed into data according to data type and data content using decision logic, and create sieve
Data flow after choosing, so that selected or higher than pre-set priority data to be transferred to the processing unit of intelligent interaction device.
For example, Intelligent internet of things gateway can analyze the video counts of the acquisition of the video camera in Internet of Things monitoring device
According to determine whether picture material has changed from time T1 to time T2.Intelligent internet of things gateway uses the rule comprising rule
Then engine, if " video camera 1 is equal to video camera 1 in the image at time T1 in the picture material of time T2
Hold ", then sub-priority is assigned to the video data at time T1.According to available bandwidth, it can omit and be identified from transmission
To be transmitted again after the data or reduction resolution ratio of sub-priority.Similarly, similar analysis can be carried out to sensing data.Example
Such as, sub-priority data (such as RFID tag data of commodity) can be alternately stored in local.In this way, intelligence
Things-internet gateway be used to selectively optimize data, to reduced needed for transmission data in the case where not losing important information
Bandwidth, while can reduce the data processing load of intelligent interaction device, improve its working efficiency.
The above description is merely a specific embodiment, but scope of protection of the present invention is not limited thereto, any
Those familiar with the art in the technical scope disclosed by the present invention, can easily think of the change or the replacement, and should all contain
Lid is within protection scope of the present invention.Therefore, protection scope of the present invention should be subject to the protection scope in claims.
Claims (6)
1. a kind of order transaction method for internet electric business, which is characterized in that accessed in user by intelligent interaction device
The shop of online merchants and after placing an order, intelligent interaction device sends the payment comprising token primary account number to payment processing platform and asks
Information is sought, the token primary account number is used to indicate that order payment is initiated by intelligent interaction device to payment processing platform,
And it should be according to the payment of the delay in payment rule process order；Token primary account number includes following delay in payment rule: pause
Processing clearance message, until the associated intelligent interaction device commodity that confirm an order have been correctly received；
Intelligent interaction device receives storage arrival commodity and detects the characteristic information of trader's product by Internet of Things monitoring device, so
The characteristic information of arrival commodity is compared with the commodity data in order afterwards to judge whether to generate clearing triggering information；
Token primary account number is mapped as the true primary account number of user by the trading server of payment processing platform, and identifies token master
The delay in payment rule that account is included, trading server suspend the clearance that processing merchant bank sends according to delay in payment rule
Message；If receiving corresponding clearing triggering information in the default logistics time of order, indicate that merchant bank completes order
Capital settlement；If not receiving corresponding clearing triggering information when the default logistics time of order expires, clearance stream is closed
Clearing error message is simultaneously sent to online merchants and intelligent interaction device by journey.
2. the method according to claim 1, wherein in the payment request letter for receiving intelligent interaction device transmission
After breath, payment request information is transmitted to online merchants by payment processing platform, and online merchants are to payment request information authorization and incite somebody to action
It sends merchant bank to；
Authorization requests are forwarded to trading server by merchant bank, and token primary account number is mapped to the true of user by trading server
On primary account number, to identify the correct payment account for belonging to user；
Authorization requests are transmitted to draw bank relevant to the payment account of user to carry out trading approving by trading server；Branch
It pays bank and carries out the inspection of account standard, after inspection result complies with standard, ratify authorization requests and authorize approval to send best friend
Easy server；
Approval authorization is forwarded to merchant bank via trading server, and merchant bank generates clearance message and sends it to transaction
Server, clearance message includes authorization message, settlement detail and transaction record；
Trading server suspends the clearance message that processing merchant bank sends according to delay in payment rule；If receiving corresponding knot
Triggering information is calculated, then generates trading instruction and is sent to merchant bank, merchant bank executes settlement of transactions.
3. according to the method described in claim 2, it is characterized in that, the payment request information includes payment amount, user
The identifier of token primary account number and Internet of Things monitoring device；
Internet of Things monitoring device detects the characteristic information of trader's product and is sent to it via Intelligent internet of things gateway
The processing unit of intelligent interaction device, intelligent interaction device carry out the commodity data in the characteristic information and order of arrival commodity
Compare, if the two matches, generates the identifier clearing triggering information comprising Internet of Things monitoring device；
After receiving clearing triggering information, clearing are triggered the identifier of the Internet of Things monitoring device in information by trading server
It is compared with the identifier of the Internet of Things monitoring device in the payment request information of the order, to judge to settle accounts triggering information
Authenticity.
4. method according to claim 1 to 3, which is characterized in that the intelligent interaction device has intelligent things
Net gateway and Internet of Things monitoring device, the type of the intelligent interaction device include intelligent commodity shelf, intelligent refrigerator and Intelligent logistics
Cabinet, the Internet of Things monitoring device are used to monitor the characteristic information of the arrival commodity stored in intelligent interaction device, arrival commodity
Characteristic information include arrival commodity type, quantity, specification, bar code and FRID label information.
5. according to the method described in claim 4, it is characterized in that, the Intelligent internet of things gateway is used to set Internet of Things monitoring
The data that preparation is sent optimize processing and forwarding；The Intelligent internet of things gateway is according to data type and data content to data
The sequence of row major grade is flowed into, the data that then will be above pre-set priority are transmitted to the processing unit of intelligent interaction device.
6. according to the method described in claim 5, it is characterized in that, Intelligent internet of things gateway analysis is monitored from Internet of Things
The video data of video camera acquisition in equipment, to determine whether picture material has changed from time T1 to time T2；
Intelligent internet of things gateway uses the regulation engine comprising rule, if picture material of the video camera time T2 at and in the time
Picture material at T1 is identical, then assigns sub-priority to the video data at time T1；It omits and has been identified as in transmission
The data of sub-priority.
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| CN201911115140.2A CN110807695B (en) | 2018-10-25 | 2018-10-25 | Electronic commerce order processing method |
| CN201811252244.3A CN109447752B (en) | 2018-10-25 | 2018-10-25 | Order transaction method for Internet e-commerce |
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| CN112330250A (en) * | 2020-11-12 | 2021-02-05 | 四川长虹智能制造技术有限公司 | Substitute processing material receiving method, terminal equipment and system |
| CN113554398A (en) * | 2021-07-31 | 2021-10-26 | 杭州拼便宜网络科技有限公司 | Delivery system |
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| CN112134808B (en) * | 2020-07-21 | 2024-02-02 | 上海寻梦信息技术有限公司 | Method and device for issuing bin allocation service speed control, electronic equipment and storage medium |
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Also Published As
| Publication number | Publication date |
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| CN110807695A (en) | 2020-02-18 |
| CN109447752B (en) | 2019-12-27 |
| CN110807695B (en) | 2020-09-01 |
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