CN109559104B - Method and device for associating identity of payer in payment environment - Google Patents
Method and device for associating identity of payer in payment environment Download PDFInfo
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- CN109559104B CN109559104B CN201811186261.1A CN201811186261A CN109559104B CN 109559104 B CN109559104 B CN 109559104B CN 201811186261 A CN201811186261 A CN 201811186261A CN 109559104 B CN109559104 B CN 109559104B
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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
- G06Q20/40—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
- G06Q20/4014—Identity check for transactions
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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
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
- G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
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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
Abstract
The invention relates to a method and a device for associating payer identities in a payment environment, wherein a collection instruction is generated according to transaction information; receiving a payment instruction of a payer responding to the collection instruction; establishing connection with a payment application generating a payment instruction to acquire a payer identification; transmitting the payer identification to a first server, wherein the first server acquires a payment application identification and payment transaction information; generating a payer identification, a corresponding payment application identification and a notification of payment transaction information, and sending the notification to a second server; the payment identity of the payer is associated with other identities through one-time payment interaction, and the information flow and the fund flow are separated; when the payment transaction is completed, the change of the information corresponding to other identities can be realized, and the information requirements of platform operators such as shopping centers and the like or other related third parties are met.
Description
Technical Field
The invention relates to the technical field of electronics, in particular to a method and a device for associating payer identities in a payment environment.
Background
With the rapid development of internet science and technology and the rapid popularization of mobile payment, more and more entity merchants accept mobile payment, and a payer can perform mobile payment through mobile phones APP such as WeChat, Paibao, cloud flash payment and the like besides cash and traditional bank card payment, and completes payment through interaction with a merchant cash register terminal; however, the payment link in the prior art often only satisfies the money transaction between the payer and the payee, but does not have other functions, and only the payee is considered in terms of functional design, and the consideration to relevant third parties such as the platform operator is lacked.
With the increasing competition of businesses, merchants generally develop member loyalty programs to collect consumer information and perform data analysis, business strategy adjustment, and the like. In order to collect payer information in a payment link, merchants generally ask customers for membership card numbers, mobile phone numbers and the like, or prompt customers to scan integral two-dimensional codes. These operations are time-consuming and labor-consuming, still often need the payer to download the merchant APP in advance or get the merchant's WeChat/Paibao membership card and register the member etc. the operation flow is time-consuming loaded down with trivial details, is showing to reduce consumption experience, therefore only limited proportion can be associated to the payer identity in the full transaction.
There are often third parties in the business of the entity concerned with transaction information, in addition to the payee/payer, which is typically the case with a shopping mall as the platform operator. As a platform operator, the shopping center is responsible for unified management of merchants and constructing tenant combinations to meet various requirements of consumers; in daily management, a shopping center often needs to monitor real-time transaction of a merchant so as to meet the demand of differentiation and carry out data analysis; the shopping mall commutes also develop membership loyalty programs by issuing the shopping mall credits to the payer of the merchant. However, as mentioned above, the payment process in the prior art often only considers the payee/payer. The payers in the shopping center scene need to hold the merchants to consume the tickets to the customer service desk to manage the points, and compared with the condition that the merchants inquire the membership card numbers and the mobile phone numbers, the arrangement experience is worse, and the point proportion is lower.
The mainstream technical method for solving the problems in the market at present is that a platform operator adds monitoring hardware between a merchant cash register and a receipt printer. The monitoring hardware reads the printing data stream and restores the printing data stream into a printing text, then extracts the transaction information in the printing text according to a preset rule, and finally provides a means for the payer to perform transaction points by additionally printing a point two-dimensional code on the receipt, thereby achieving the final purpose of associating the transaction information with the identity of the payer. However, this approach has several disadvantages: firstly, the cost for purchasing and maintaining the monitoring hardware is higher; secondly, the invasion degree to the merchant system is high, so that the merchant receipt printer is easy to cause abnormal paper output; third, the merchant can not be guaranteed to print the transaction receipt and transmit the transaction receipt to the payer; fourthly, the payer needs to scan the code twice during mobile payment, and the operation is complicated; and fifthly, the accuracy of ticket identification is influenced by adjusting a cash register system, a ticket printer configuration or a ticket format and the like of a merchant, and the point failure is easily caused.
Therefore, it can be concluded that associating the identity of the payer in the payment link is a general appeal for the merchant and the related third party, but the prior art scheme often forms obstacles for the merchant and the third party such as the platform operator due to poor experience of the payer and other technical defects.
The publication number CN106067124A discloses a method for scanning two-dimensional code payment and recording consumption points and rebates in real time, which realizes the distribution of consumption amount and rebate funds by creating the association relationship between a consumption capital operation platform and a alliance merchant and a two-dimensional code payment platform, but in actual operation, a user needs to register a member on the consumption operation platform through a client, and funds after settlement is completed need to be distributed according to a predetermined proportion through the consumption capital platform, so for a payer, an App needs to be downloaded and registered before payment is needed, and the steps are complicated; for the merchant of the payee, the fund return speed is slowed down, and the intermediate cost is increased; in addition, the scheme also relates to 'second clear' operation prohibited by the existing regulations.
Disclosure of Invention
In order to solve the problems in the prior art, namely the problem of how to synchronize information to a merchant or a related third party on the premise of solving the problem of real-time payer identity association under a payment environment and not relating to fund flow, the invention provides a method and a device for associating payer identity under the payment environment.
A first aspect of the invention provides a method of associating a payer identity in a payment environment, the method comprising,
generating a collection instruction according to the transaction information;
receiving a payment instruction of a payer responding to the collection instruction;
establishing connection with a payment application generating a payment instruction to acquire a payer identification;
transmitting the payer identification to a first server, wherein the first server acquires a payment application identification and payment transaction information; and generating a payer identification, a corresponding payment application identification and a notification of payment transaction information, and sending the notification to the second server.
In one embodiment, the method for generating the payment instruction according to the transaction information comprises the following steps:
acquiring the consumption amount of a payer, selecting a corresponding payment mode according to the demand of the payer, and generating a collection instruction at least comprising an order number, the consumption amount and a payee identifier;
the payment mode comprises one or more of payer scanning collection codes, payer showing payment codes, NFC recognition, magnetic stripe recognition, fingerprint recognition and face recognition.
In one embodiment, the method of "establishing a connection with a payment application that generates payment instructions" further comprises:
when establishing connection, sending authentication identification information;
and receiving authentication feedback information, and judging whether to establish connection or not according to the authentication feedback information.
In one embodiment, the method further comprises,
establishing connection with the second server, wherein the second server comprises identification information and characteristic information; presetting a payment application identifier, payment transaction information and a change rule of specific information;
the second server receives the payer identification, the corresponding payment application identification and the notification of the payment transaction information;
searching identification information matched with the payer identification in the second server;
and changing the corresponding characteristic information according to the corresponding payment application identification and the payment transaction information.
In one embodiment, the method further comprises;
when the matched identification information is found, the second server determines and records changed characteristic information according to the payment transaction information and the change rule;
and when the matched identification information is not found, the second server adds identification information, generates identification information according to the payer identification and generates characteristic information according to payment transaction information.
In one embodiment, the method further comprises,
sending the payer identification to a first server;
the first server acquires corresponding identification information and characteristic information in the second server;
and the mapping relation of the payer identification, the payment application identification, the payment transaction information and the characteristic information is stored in an associated manner.
In one embodiment, the method of receiving a payment instruction from a payer in response to the receipt instruction further comprises,
acquiring the collection instruction through a response application;
the response application starts a corresponding payment application and informs the payment application to carry out payment transaction;
establishing a connection with the response application and/or payment application;
and acquiring a corresponding payer identification.
In one embodiment, the method further comprises:
acquiring a communication mode corresponding to the identifier of the payer;
editing the change information of the corresponding characteristic information according to the format of the communication mode;
sending the change information;
the communication mode at least comprises one or more of a mobile phone number, a mailbox, a payment application account and a response application account.
In one embodiment, the method of receiving a payment instruction from a payer in response to the payment instruction includes;
acquiring a payer identification, and acquiring characteristic information in the second server through the payer identification;
changing the payment instruction through characteristic information;
the characteristic information comprises one or more of discount information, discount information and marketing information.
In one embodiment, the method of "transmitting the payer identification to a first server, the first server obtaining payment application identification, payment transaction information" further comprises;
establishing connection between a first server and a second server;
determining the payment application identifier and the payment transaction information acquired by the first server through the identifier information in the second server; or
And acquiring the corresponding payment application identification and payment transaction information in the third server according to the specified information of the payment instruction. As a further aspect of the present invention, an embodiment of the present invention provides an apparatus for associating identities of payers in a payment environment, the apparatus including,
a collection module: the system is used for generating a collection instruction according to the transaction information;
a receiving module: a payment instruction for receiving a payment instruction from a payer in response to the collection instruction;
a connecting module: the payment application is used for establishing connection with the payment application generating the payment instruction and acquiring a payer identification;
a first transmission module: the payment application identification and the payment transaction information are acquired by the first server;
a second transmission module: and the notification module is used for generating the payer identification, the corresponding payment application identification and the notification of the payment transaction information and sending the notification to the second server.
As another aspect of the present invention, the present invention provides a cash receiving terminal, including:
a processor;
a storage device for storing a program;
when the processor executes a program stored in the memory device, the processor implements a method of associating a payer identity in a payment environment as described in any one of the above.
As a further aspect of the invention, the invention provides a storage medium having stored thereon a computer program which, when executed by a processor, implements a method of associating identities of payers in a payment environment as described in any one of the above.
The technical scheme provided by the embodiment of the invention has the beneficial effects that at least:
the identity of a payer is associated under the payment environment, and information is synchronized to a merchant or a related third-party system on the premise of not involving the fund flow, namely under the payment environment, the payment identity of the payer is associated with other identities through one-time payment interaction, and the information flow and the fund flow are separated; when the payment transaction is completed, the change of the information corresponding to other identities can be realized, and the monitoring requirements of a market or a related third party on the information flow are met.
Additional features and advantages of the invention will be set forth in the description which follows, and in part will be obvious from the description, or may be learned by practice of the invention. The objectives and other advantages of the invention will be realized and attained by the structure particularly pointed out in the written description and claims hereof as well as the appended drawings.
The technical solution of the present invention is further described in detail by the accompanying drawings and embodiments.
Drawings
The accompanying drawings, which are included to provide a further understanding of the invention and are incorporated in and constitute a part of this specification, illustrate embodiments of the invention and together with the description serve to explain the principles of the invention and not to limit the invention.
Fig. 1 is a flowchart of a method provided in a first embodiment of the present invention.
Fig. 2 is a flowchart illustrating an interaction with a second server according to a first embodiment of the present invention.
Fig. 3 is a flowchart of a method for receiving a payment instruction according to an embodiment of the present invention.
Fig. 4 is a flowchart of an apparatus according to a first embodiment of the present invention.
Fig. 5 is a flowchart of a method provided in the second embodiment of the present invention.
Fig. 6 is a block diagram of an apparatus provided in the second embodiment of the present invention.
Detailed Description
Exemplary embodiments of the present disclosure will be described in more detail below with reference to the accompanying drawings. While exemplary embodiments of the present disclosure are shown in the drawings, it should be understood that the present disclosure may be embodied in various forms and should not be limited to the embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the scope of the disclosure to those skilled in the art.
Example one
The payment link in the prior art can only satisfy the money transaction between the payer and the payee, and has no other functions, but other additional operations are needed when the payer needs to associate the payment identity with other identities in the payment process. For example, store affiliate points are often required while a payer is shopping at a store, and methods according to the prior art require at least steps other than the payer providing an affiliate number or other payment operation at the time of payment.
The present embodiment provides a method for associating identities of payers in a payment environment, as shown in fig. 1, the method comprising,
s101, generating a collection instruction according to the transaction information;
s102, receiving a payment instruction of a payer responding to the collection instruction;
s103, establishing connection with a payment application generating a payment instruction to acquire a payer identification;
s104, transmitting the payer identification to a first server, wherein the first server acquires a payment application identification and payment transaction information;
s105, generating a payer identification, a corresponding payment application identification and a notification of payment transaction information;
s106 is sent to the second server.
The present embodiment is a multithreading method, and the step numbers do not limit the specific step order.
In S101, the transaction information includes a consumption amount and a payment method of a payer, a receiving terminal identifier, and a receiving party identifier, where the consumption amount may be manually input by a receiving person, or may be automatically generated according to a commodity or service barcode; the payment mode can be an independent payment interface or an integrated interface, and comprises a plurality of payment interfaces, when a payer selects a specified payment mode to respond, the payment mode is automatically identified, and the payment mode is connected with the corresponding payment mode.
In S102, the payer responds to the payment instruction generated in S101 through a mobile terminal or other means, and after the response application or other response subject of the payer obtains transaction information, starts the payment application to generate a payment instruction, where the payment instruction includes transaction information, payer identifier, payee identifier, and payment application identifier, where the transaction information includes order number, amount, time, and the like.
In S103, establishing connection with the payment application, and acquiring the identity of the payer in the payment application; the payment application can be an application which can be used for payment, such as a payment treasure, WeChat, QQ wallet and the like.
In S104, the first server may be connected to a payment authority server, such as a lacaka, a union, a unionpay business, etc., or may be connected to other servers capable of obtaining payment transaction information and status; the first server identifies information such as payer identification in the payment instruction, and acquires payment transaction information and state information through other servers including transaction information states, wherein the payment transaction information can include an order number, a payer identification, a transaction account number, a transaction amount, payment completion time and the like; the status information may include completed, to-do, incomplete, cancelled, etc.
In S105, the obtained payer identifier, the corresponding payment application identifier, and the payment transaction information are associated with each other, and a notification in a preset format is generated.
In S106, obtaining and associating other identities related to the payer identification without other operations is achieved through the above payment method, where the other operations include: inputting a mobile phone number, inputting a member card number, scanning an electronic member card, scanning an integral two-dimensional code, paying through a member system APP and the like, directly responding to a money collection instruction through a terminal, completing payment, and transmitting corresponding transaction information to a second server, wherein the second server can be one or more, and can comprise a member system of a mall, a member system of a merchant or other systems; when receiving the corresponding transaction information, the second server may change the corresponding information according to the specific payer identifier and the transaction information, and the changed information is directly sent to the payer according to a set manner, or sent to the first server, and returned to the payer through the first server, where the manner of returning to the payer is not specifically limited in this embodiment.
In the implementation, the payer can complete payment transaction through one payment action; and the payer identification, the payment application identification and the information flow related to the payment transaction information can be generated, and the information flow is independently transmitted to other servers without changing the flow direction of the fund flow, so that the operation of the payer is facilitated, and the payer does not need to adopt other actions to obtain the points and the like.
The information flow refers to identity information of a payer, information of payment application, payment transaction information and some marketing information related to a payee, which are acquired in the payment process, and comprises information such as points, coupons, sales promotion or discounting; the fund flow refers to a process of transferring own funds to a merchant account after a payer confirms to purchase goods.
Further, in this embodiment, the method of "generating a receipt instruction according to the transaction information" includes:
acquiring the consumption amount of a payer, selecting a corresponding payment mode according to the demand of the payer, and generating a collection instruction at least comprising an order number, the consumption amount and a payee identifier;
the payment mode comprises one or more of payer scanning collection codes, payer showing payment codes, NFC recognition, magnetic stripe recognition, fingerprint recognition and face recognition.
The method is applied to the collection terminal, and the client installed in the collection terminal makes a collection instruction according to the obtained consumption amount and the payee identification, wherein the consumption amount can be manually input or can be obtained by transmission of other equipment, and the payee identification can comprise equipment number, terminal number, merchant identification, market identification and other data information with identification function.
The payment method comprises the following steps that a payer can perform payment transaction in an open mobile ubiquitous non-contact mode, wherein the open mobile ubiquitous non-contact mode refers to the fact that payment service requirements of an O2O scene are met, a POS acceptance network is taken as a basis, the requirements of convenience and safety of a payment link of a consumer are met, a non-contact terminal is taken as an acceptance machine, a mobile phone is supported as a medium, payment is initiated in various near-field interaction modes such as NFC, two-dimensional codes and serial codes, bank cards (non-contact), various electronic accounts and virtual tickets can be accepted, the payment account is safely digitized through a host virtual card (HCE) technology, and an open, safe and reliable payment acceptance environment is provided for a customer; and the system provides all-round services such as marketing, transaction, management and the like for the business O2O.
Further, in this embodiment, the method of "establishing a connection with a payment application that generates a payment instruction" further includes:
when establishing connection, sending authentication identification information;
and receiving authentication feedback information, and judging whether to establish connection or not according to the authentication feedback information.
The authentication refers to verifying whether an access party has the right to access the system, and checking the validity and validity of the access party for using the data service, in this embodiment, the authentication may be performed by verifying through an account and a corresponding key, where the key may be static or dynamic; other authentication methods that can ensure security may also be employed.
Further, in this embodiment, as shown in fig. 2, the method further includes,
s1061, establishing connection with the second server, wherein the second server comprises identification information and characteristic information; presetting a payment application identifier, payment transaction information and a change rule of specific information;
s1062, the second server receives the payer identification, the corresponding payment application identification and the notice of the payment transaction information;
s1063, searching identification information matched with the payer identification in the second server;
s1064, changing the corresponding characteristic information according to the corresponding payment application identifier and the payment transaction information.
The second server may be a mall member server, a merchant member server, or a server including data associated with the identifier of the payer, where the identifier information in the second server may be ID having unique identifier such as member information and user information, for example, phone number, mailbox, ID card, driver's license, passport, registration number, fingerprint information, face information, iris information, and the like; the characteristic information may include point information, level information, authority information, consumption information, preference information, activity information, and some marketing information, for example: corresponding advertisement push information and promotion activities; the preset change rule of the payment application identifier, the payment transaction information and the specific information is a rule for modifying corresponding characteristic information through the payment application and the payment transaction information, and the rule can be adjusted according to time or other factors, for example, during national day, a platinum member consumes 300 yuan to increase 600 credits, and a common member consumes 300 yuan to increase 400 credits; in mid autumn, the platinum member consumes 300 yuan to distribute 50 yuan of coupons, the common member consumes 300 yuan to distribute 30 yuan of coupons, and the like.
In S1061, the second server establishes communication with the first server, and establishes connection via a communication protocol after verification in an authorized manner or in an authenticated manner, through S1062, the payer identifier sent by the first server, the corresponding payment application identifier, and the payment transaction information are received, the corresponding data format is converted into a second server-readable format, in S1063, traversing the second server through the payment identifier, judging the matching with the identifier information in the second server, the matching degree of the matching is judged to be different according to different identification information, for example when the payment identification is a telephone number, all numbers need to be the same, and when the identification information is a fingerprint, a point matching algorithm based on structural features may be employed, matching the calibrated point sets, wherein the number of matched characteristic points is judged to be matched within the range of sixty-five percent of the ratio of the two point sets; in S1064, after the matching identification information is determined, the feature information corresponding to the identification information is changed, and the main body of the change information modification in the second server may be that the first server sends a change instruction, changes the data of the second server, and the first server notifies the payer of the change information; the second server may receive the correspondence information, independently change the correspondence information, and directly transmit the changed information to the payer.
Further, in this embodiment, the method further includes;
when the matched identification information is found, the second server determines and records changed characteristic information according to the payment transaction information and the change rule;
and when the matched identification information is not found, the second server adds identification information, generates identification information according to the payer identification and generates characteristic information according to payment transaction information.
In this embodiment, when the matching identification information is found, modification and change are performed, for example, data of "identification a, platinum level, 300 points" is stored in the second server, and a notification of "identification a, 2018/10/1, consumption 300 yuan" transmitted by the first server is received, and then the data is changed into "identification a, platinum level, 900 points" by the second server according to the corresponding change rule of "2018/10/1-2018/10/1 platinum member consume full 300 yuan and send 600 points, and ordinary member send 400 points"; when the matching identification information is not found, adding changes, for example, receiving a notification of "identification a, 2018/10/1, consuming 300 yuan" transmitted by the first server, searching through "identification a", if "identification a" is not found in the second server, sending 600 credits and 400 credits for the regular member when the member consumes 300 credits and sending 400 credits according to the corresponding change rule "2018/10/1-2018/10/1", and adding a new piece of data "identification a, regular member, 400 credits" to the second server, where the changed characteristic information in the above-listed examples is only credit information, but the change of the characteristic information may include multiple changes at the same time, for example, the corresponding grade information may be adjusted according to the credits, and information is pushed according to the time and type of consumption.
Further, in this embodiment, the method further comprises,
sending the payer identification to a first server;
the first server acquires corresponding identification information and characteristic information in the second server;
and the mapping relation of the payer identification, the payment application identification, the payment transaction information and the characteristic information is stored in an associated manner.
In this embodiment, identification information in the second server is searched for through a payer identification, then the identification information and corresponding feature information are obtained, and relevant information and a mapping relationship thereof are stored, wherein the payer identification corresponds to the identification information, for example, the payer identification and the identification information may be data with a unique identification function, such as a mobile phone number, an identification number, and the like; the second server may be one server or a plurality of servers; the related information and the mapping relation thereof may be stored in the first server, may also be stored in the second server, or may also be stored in other servers.
Further, in this embodiment, as shown in fig. 3, the method of "receiving a payment instruction from the payer in response to the collection instruction" further includes,
s1021, acquiring the collection instruction through a response application;
s1022, the response application starts a corresponding payment application and informs the payment application to carry out payment transaction;
s1023 establishing a connection with the response application and/or payment application;
s1024 acquires the corresponding payer identification.
The application of the payer responding to the collection instruction may be a payment application, in this embodiment, the application of the payer responding to the collection instruction is a response application, that is, an application without a direct payment function, for example, an application having an identification function such as mei-ko and you-ku, and establishing a connection with the payment application or the payment mechanism, and establishes a direct connection with the response application through a payment action, and obtains a corresponding identifier of the payer in the response application after authentication.
Further, in this embodiment, the method further includes:
acquiring a communication mode corresponding to the identifier of the payer;
editing the change information of the corresponding characteristic information according to the format of the communication mode;
sending the change information;
the communication mode at least comprises one or more of a mobile phone number, a mailbox, a payment application account and a response application account.
In this embodiment, the change information may be sent by the second server, or may be sent by the first server, priorities of different communication modes may be set according to different response applications, when the associated information with the payer identifier has only one communication mode, notification editing may be performed only according to the communication format, when multiple communication modes are included, the communication mode may be determined according to the set priority, for example, when a response is performed through the WeChat application, the priority of the WeChat application account is higher than the mobile phone number, and the priority of the mobile phone number is higher than the mailbox.
In this embodiment, the position information of the payer may also be obtained according to the payment transaction information, and when the corresponding directly associated feature information is changed, the indirectly associated feature information is synchronously sent to the payer, for example, a store B in a store B carries out consumption, and while the points of the merchant are changed, a store C paid once in or near the store B may be screened according to the historical consumption information, and corresponding marketing information, such as sales promotion and discount, is obtained, and the point change information of the store B and the discount information of the store C are synchronously sent to the payer.
Further, in this embodiment, the method of "receiving a payment instruction of a payer in response to the collection instruction" includes;
acquiring a payer identification, and acquiring characteristic information in the second server through the payer identification;
changing the payment instruction through characteristic information;
the characteristic information comprises one or more of discount information, discount information and marketing information.
In this embodiment, before submitting payment information to a payment mechanism, deducting the discount according to the discount information recorded by the payer in the collection mechanism or the related mechanism server, such as the held coupon and discount right, and then submitting the discount to the payment mechanism, for example, payer a, shop c, shop D, and consumption amount is 200 yuan, and the member server of shop D or shop c includes 50 yuan of coupon, before submitting payment transaction information, reading the corresponding second server to obtain 50 yuan of coupon, and changing the charge amount in the payment instruction from 200 yuan to 150 yuan; meanwhile, the method can also realize that the total points are used for deducting part of the cost before payment, and the total points are spent.
Further, in this embodiment, the method for "transmitting the payer identifier to the first server, where the first server obtains the payment application identifier and the payment transaction information" further includes;
establishing connection between a first server and a second server;
determining the payment application identifier and the payment transaction information acquired by the first server through the identifier information in the second server; or
And acquiring the corresponding payment application identification and payment transaction information in the third server according to the specified information of the payment instruction. In this embodiment, one way is that the payer connects with the second server first, obtains a payer response application identifier by responding to application authorization, associates the identifier information with the payer identifier and payment transaction information, and then submits the identifier information to the third server for transaction; the authorization module responding to the application can be clustered or cloud containerized, and the like, so that high availability is guaranteed. The other mode is that the payer is connected with a third server firstly, after the transaction is successful according to the transaction information, the payer is connected with a second server, and the payer response application identification is obtained through response application authorization, and the identification information is associated with the payer identification and the payment transaction information; the specific information may be an order number, or other information capable of determining the unique payment transaction information.
Based on the same inventive concept, the present embodiment further provides a device for associating a payer identity identifier in a payment environment, and the principle of the problem solved by the device is similar to that of the method in the foregoing embodiment, so that the implementation of the device for associating a payer identity identifier in a payment environment can refer to the implementation of the method in the foregoing embodiment, and repeated details are omitted.
Further, as a further aspect of this embodiment, an embodiment of the present invention further provides an apparatus for associating identities of payers in a payment environment, as shown in fig. 4, the apparatus includes,
the collection module 101: the payment receiving instruction is generated according to the transaction information;
the receiving module 102: a payment instruction for receiving a payment instruction from a payer in response to the collection instruction;
the connection module 103: the payment application is used for establishing connection with the payment application generating the payment instruction and acquiring a payer identification;
the first transmission module 104: the payment application identification and the payment transaction information are acquired by the first server;
the second transmission module 105: for generating a notification of the payer identification, the corresponding payment application identification, and the payment transaction information, and sending the notification to the second server 400.
Based on the same inventive concept, the present embodiment further provides a payment receiving terminal and a storage medium, and as the principle of the problem solved by the terminal and the storage medium is similar to the method for associating the identity of the payer in the payment environment of the foregoing embodiment, the implementation of the terminal and the storage medium may refer to the implementation of the method of the foregoing embodiment, and repeated details are not repeated.
In a third aspect of this embodiment, a cash receiving terminal is further provided, where the cash receiving terminal includes:
a processor;
a storage device for storing a program;
when the processor executes a program stored in the memory device, the processor implements a method of associating a payer identity in a payment environment as described in any one of the above.
In a fourth aspect of the present embodiment, there is also provided a storage medium having stored thereon a computer program which, when executed by a processor, implements a method of associating an identity of a payer in a payment environment as described in any one of the above.
In this embodiment, the stored computer program may include two parts, one part is an APP client program installed on the payment terminal, and the other part is an APP server program established at the cloud, where the APP client is connected to an APP server (a first server), and the APP server is connected to a payment mechanism server (a third server for providing a payment application identifier and payment transaction information) and a member server (a second server).
In this embodiment, after the money is collected through the payment terminal fund flow from the payer through the payment mechanism, such as the commerce of the lac card, the union pay, and the like, the T + N is settled to the payee, without going through the bank account of other mechanism, for example: a second clearing platform and a third party organization; after integrating the payee identifier, the payer identifier and the transaction information through the payment receiving terminal, the information flow is sent to the payer and the payee and simultaneously sent to a third party mechanism, such as a merchant supervisor, which can be department goods, a shopping center or other supervision mechanisms); the third-party organization can legally obtain transaction data without participating in actual fund flow, and operation of a payer and a payee is not increased.
Wherein, the term "two clear" is relative to the term "one clear" mechanism; the POS machine or the cash register terminal of the 'first clearing' mechanism directly clears through a bank or a third party payment company for obtaining a payment license plate, and transaction settlement money is directly transferred to a merchant; the second clear POS machine or the cash register terminal needs to carry out two times of clearing, namely, the settled funds are transferred to an account opened by the second clear company by a bank or a third-party payment mechanism, and are settled to the merchant after being processed by the second clear company. The consumer operations platform in publication No. CN106067124A is similar to the second clearinghouse platform.
Example two
The principle of the problem solved in this embodiment is similar to that of the method in the first embodiment, so some contents may be referred to the implementation of the method in the first embodiment, and repeated details are not repeated.
The present embodiment provides a method of collecting the identity of a payer in a payment environment, as shown in fig. 5, the method comprising,
s201, a first server is established, and the connection between the first server and a second server and the connection between the first server and a third server are established;
s202, receiving a payment instruction of a payer responding to a collection instruction, establishing connection with a payment application generating the payment instruction, and acquiring a payer identification;
s203, acquiring a payment application identifier and payment transaction information in a third server;
s204, generating a notice of the payer identification, the payment application identification and the payment transaction information, sending the notice to a second server, and acquiring identification information matched with the payer identification in the second server;
s205, generating the mapping information of the payer identification, the payment application identification, the payment transaction information and the identification information, and storing the mapping information in a correlation manner.
In S205, the payer identifier, the payment application identifier, the payment transaction information, and the mapping information of the identifier information may be stored in the first server, may be stored in the second server, or may be transmitted to and stored in another server or terminal.
In this embodiment, the first server obtains the payment instruction to obtain the identifier of the payer, and obtains other information corresponding to the identity of the payer through connection with the second service, where the second server is similar to the second server in the first embodiment and may be a mall member server, a merchant member server, or the like; the transaction information is acquired by establishing connection with the third server, and the payer identification, the payment application identification, the payment transaction information and the identification information and the mapping relation among the information are stored, so that the collection of data information is realized, the supervision of a third party on the payment data stream is met, and the collected data can be further analyzed and utilized.
Further, in this embodiment, the method further comprises,
obtaining identification information in the second server by means of said payer identification,
acquiring a payment application identifier and payment transaction information in a third server according to the identifier information; alternatively, the first and second electrodes may be,
and acquiring the corresponding payment application identification and payment transaction information in the third server according to the specified information of the payment instruction.
Further, in this embodiment, the method further comprises,
the second server comprises identification information and characteristic information; presetting a payment application identifier, payment transaction information and a change rule of specific information;
the second server receives the payer identification, the corresponding payment application identification and the notification of the payment transaction information;
searching identification information matched with the payer identification in the second server;
and changing the corresponding characteristic information according to the corresponding payment application identification and the payment transaction information.
Further, in this embodiment, the method further comprises,
acquiring a payer identification, and acquiring characteristic information in the second server through the payer identification;
changing the payment instruction through characteristic information;
the characteristic information comprises one or more of discount information, discount information and marketing information.
Further, in this embodiment, the method further comprises,
traversing account designated identifications of the first server and/or the second server, and identifying repeated account designated identifications;
combining the repeated account designated identifications, and associating and combining corresponding information;
the account designation identifier comprises one or more of a mobile phone number, a mailbox, an identity card, a passport number and an application identifier.
Further, in this embodiment, the method further includes:
the payment transaction information comprises position information;
and setting a transaction range according to the position information, and setting different transaction authorities in different transaction ranges.
In this embodiment, the position information of the payer is obtained through the positioning device in the terminal device, and different collection intervals can be set according to the geographic directions of different collectors, where the different collection intervals correspond to different transaction ranges, for example: the collection interval or the transaction range is set in the range with the position of the store of the collection party as the center and the radius of 1000 meters, and when the acquired position information exceeds 1000 meters of the store of the collection party, the corresponding characteristic information is not changed, including points and coupons, or the prompting such as alarming and the like is carried out. The specific transaction range and authority can be determined according to the requirements and the precision of the positioning module.
Further, in this embodiment, the method of receiving a payment instruction from the payer in response to the collection instruction further includes,
acquiring the collection instruction through a response application;
the response application starts a corresponding payment application and informs the payment application to carry out payment transaction;
establishing a connection with the response application and/or payment application;
and acquiring a corresponding payer identification.
Further, in this embodiment, the method further includes:
acquiring a communication mode corresponding to the identifier of the payer;
editing the changed characteristic information format corresponding to the communication mode;
transmitting the corresponding changed feature information to the payer through a corresponding communication mode;
the communication mode at least comprises one or more of a mobile phone number, a mailbox, a payment application account and a response application account.
Based on the same inventive concept, the present embodiment further provides a device for collecting identity identifiers of payers in a payment environment, and the principle of the problem solved by the device is similar to that of the method in the foregoing embodiment, so that the implementation of the device for collecting identity identifiers of payers in a payment environment can refer to the implementation of the method in the foregoing embodiment, and repeated details are not repeated.
Further, as a further aspect of the present embodiment, there is provided an apparatus for collecting identities of payers in a payment environment, as shown in fig. 6, the apparatus comprising,
a creating module 201, configured to create a first server 300, and establish connections between the first server 300 and a second server 400 and a third server 500;
the receiving module 202 is configured to receive a payment instruction of a payer in response to a collection instruction, establish a connection with a payment application that generates the payment instruction, and acquire a payer identifier;
an obtaining module 203, configured to obtain, through the payer identifier, a payment application identifier and payment transaction information in the third server 500;
a third transmission module 204, configured to generate a notification of the payer identifier, the payment application identifier, and the payment transaction information, send the notification to the second server 400, and obtain identifier information in the second server 400, where the identifier information is matched with the payer identifier;
and the storage module 205 is configured to generate and store mapping information of the payer identifier, the payment application identifier, the payment transaction information, and the identifier information in an associated manner.
Based on the same inventive concept, the present embodiment further provides a server and a storage medium, and since the principle of the problem solved by the server and the storage medium is similar to the method for collecting the identity of the payer in the payment environment of the foregoing embodiment, the implementation of the server and the storage medium may refer to the implementation of the method of the foregoing embodiment, and repeated parts are not described again.
In a third aspect of this embodiment, there is also provided a server, including:
a processor;
a storage device for storing a program;
when the processor executes a program stored in the memory device, the processor implements a method of collecting identities of payers in a payment environment as described in any one of the above.
In a fourth aspect of the present embodiment, there is also provided a storage medium having stored thereon a computer program which, when executed by a processor, implements a method of collecting payer identities in a payment environment as described in any one of the above.
The embodiment of the invention associates information flow data from multiple parties in a payment environment, improves the accuracy of portrait of a consumer, and can provide more targeted service for the consumer; moreover, the separation of the data flow and the fund flow is realized, and the information can be synchronized to the merchant or a related third party on the premise of not relating to the fund flow; in addition, the steps of collecting the information flow data and synchronizing the information with the merchant or the related third party do not need extra operations of the consumer, such as code scanning, mobile phone number reporting and the like, so that the transaction links are reduced, and the time cost of both parties is saved.
The application range of the embodiment of the invention at least comprises a shopping center, department stores, chain traders, and the like, besides a direct payee, a platform operator concerned with transaction conditions or a related third party of franchise rights.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
It will be apparent to those skilled in the art that various changes and modifications may be made in the present invention without departing from the spirit and scope of the invention. However, without departing from the principle of the present invention, those skilled in the art may make equivalent changes or substitutions on the related technical features, and the technical solutions after these changes or substitutions will fall within the protection scope of the present invention, and the protection scope of the present invention is not limited to these specific embodiments.
Claims (9)
1. A method of associating a payer identity in a payment environment, the method comprising,
generating a collection instruction according to the transaction information;
receiving a payment instruction of a payer responding to the collection instruction;
acquiring the collection instruction through a response application;
the response application starts a corresponding payment application and informs the payment application to carry out payment transaction;
establishing a connection with the response application and/or payment application;
acquiring a corresponding payer identification;
establishing connection with a payment application generating a payment instruction to acquire a payer identification;
when establishing connection, sending authentication identification information;
receiving authentication feedback information, and judging whether to establish connection according to the authentication feedback information;
transmitting the payer identification to a first server, and acquiring payment application identification and payment transaction information by the first server;
generating a payer identification, a corresponding payment application identification and a notification of payment transaction information, and sending the notification to a second server;
establishing connection with the second server, wherein the second server comprises identification information and characteristic information; presetting a payment application identifier, payment transaction information and a change rule of specific information;
the second server receives the payer identification, the corresponding payment application identification and the notification of the payment transaction information;
searching identification information matched with the payer identification in the second server;
changing corresponding characteristic information according to the corresponding payment application identification and the payment transaction information;
when the matched identification information is found, the second server determines and records changed characteristic information according to the payment transaction information and the change rule;
and when the matched identification information is not found, the second server adds identification information, generates identification information according to the payer identification and generates characteristic information according to payment transaction information.
2. The method of claim 1, wherein the generating a receipt instruction according to the transaction information comprises:
acquiring the consumption amount of a payer, selecting a corresponding payment mode according to the demand of the payer, and generating a collection instruction at least comprising an order number, the consumption amount and a payee identifier;
the payment mode comprises one or more of a payer scanning collection code, a payer showing payment code, NFC identification, magnetic stripe identification, fingerprint identification and face identification.
3. The method of claim 1, further comprising,
sending the payer identification to a first server;
the first server acquires corresponding identification information and characteristic information in the second server;
and the mapping relation of the payer identification, the payment application identification, the payment transaction information and the characteristic information is stored in an associated manner.
4. The method of claim 1, wherein the method further comprises:
acquiring a communication mode corresponding to the identifier of the payer;
editing the change information of the corresponding characteristic information according to the format of the communication mode;
sending the change information;
the communication mode at least comprises one or more of a mobile phone number, a mailbox, a payment application account and a response application account.
5. The method of claim 1, wherein the method of receiving a payment instruction from the payer in response to the receipt instruction comprises;
acquiring a payer identification, and acquiring characteristic information in the second server through the payer identification;
changing the payment instruction through characteristic information;
the characteristic information comprises one or more of discount information, discount information and marketing information.
6. The method of claim 1, wherein the step of transmitting the payer identification to a first server, the first server obtaining payment application identification and payment transaction information further comprises;
establishing connection between a first server and a second server;
determining the payment application identifier and the payment transaction information acquired by the first server through the identifier information in the second server; or acquiring the corresponding payment application identification and payment transaction information in the third server through the specified information of the payment instruction.
7. An apparatus for associating identities of payers in a payment environment, the apparatus comprising,
a collection module: the system is used for generating a collection instruction according to the transaction information;
a receiving module: the payment instruction used for receiving the payment party responding to the collection instruction specifically comprises: acquiring the collection instruction through a response application; the response application starts a corresponding payment application and informs the payment application to carry out payment transaction; establishing a connection with the response application and/or payment application; acquiring a corresponding payer identification;
a connecting module: the method is used for establishing connection with a payment application generating a payment instruction and acquiring a payer identification, and specifically comprises the following steps: when establishing connection, sending authentication identification information; receiving authentication feedback information, and judging whether to establish connection according to the authentication feedback information;
a first transmission module: the payment application identification and the payment transaction information are acquired by the first server;
a second transmission module: the notification is used for generating a payer identification, a corresponding payment application identification and payment transaction information and sending the notification to the second server;
the device further comprises: establishing connection with the second server, wherein the second server comprises identification information and characteristic information; presetting a payment application identifier, payment transaction information and a change rule of specific information; the second server receives the payer identification, the corresponding payment application identification and the notification of the payment transaction information; searching identification information matched with the payer identification in the second server; changing corresponding characteristic information according to the corresponding payment application identification and the payment transaction information; when the matched identification information is found, the second server determines and records changed characteristic information according to the payment transaction information and the change rule; and when the matched identification information is not found, the second server adds identification information, generates identification information according to the payer identification and generates characteristic information according to payment transaction information.
8. A checkout terminal, the checkout terminal comprising:
a processor;
a storage device for storing a program;
the processor, when executing a program stored in a storage device, implements the method of any of claims 1-6.
9. A storage medium on which a computer program is stored which, when being executed by a processor, carries out the method according to any one of claims 1-6.
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