CN109559159A - A kind of integral method of payment and its system - Google Patents
A kind of integral method of payment and its system Download PDFInfo
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- CN109559159A CN109559159A CN201811320588.3A CN201811320588A CN109559159A CN 109559159 A CN109559159 A CN 109559159A CN 201811320588 A CN201811320588 A CN 201811320588A CN 109559159 A CN109559159 A CN 109559159A
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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
- G06Q20/04—Payment circuits
- G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
- G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
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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
- G06Q30/02—Marketing; Price estimation or determination; Fundraising
- G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
- G06Q30/0208—Trade or exchange of goods or services in exchange for incentives or rewards
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- Accounting & Taxation (AREA)
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- General Business, Economics & Management (AREA)
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- Theoretical Computer Science (AREA)
- Development Economics (AREA)
- Entrepreneurship & Innovation (AREA)
- Game Theory and Decision Science (AREA)
- Economics (AREA)
- Marketing (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention discloses kind of an integral methods of payment, comprising the following steps: user's logon account authorizes the integration data acquisition of other businessmans；Obtain the integral of other businessmans of user；By certain conversion scale by the quadrature conversion of other businessmans at new integral；It is obtained to this consumption business server and is integrated needed for this consumption and produce goods orders；Integral needed for deducting the corresponding goods order in new integral；Based on the integral method of payment is cleared by currency, integral payment is that means are dedicated to providing the real-time consumption of integral, circulation and clearing service for each trade company of every profession and trade.The single of user integral consumption means is eliminated, scene experiences bad obstacle, meets trade company and the double goal demand of consumer, has made the integral service system with scene application service under technology export line on line.
Description
Technical field
The present invention relates to Internet technical field, in particular to a kind of the method and system of integral payment.
Background technique
With the development of financial circles, almost each consumer has the bank account of oneself in society, in process of consumption,
Each consumer can possess the points account of different integral channels, wherein including more or less integral, such as Unionpay's cap product
Point and discount coupon etc..But most consumers can only solely make under given conditions when consuming under carrying out line
Even points account is not used with a certain points account to be paid.
In addition, certain integral equally can be also obtained after some large supermarkets or laboratory personnel consumption, and due to product
The use limitation divided is too many, therefore the points account of consumer is in the integral in idle state or even these points accounts mostly
It was all not used until expired.Payment that the main reason for leading to this phenomenon is these points accounts and management method are not
It is convenient.
For the manager of points account, such as telecom operators, bank, manager needs to look for trade company to negotiate in person, leads to
Crossing the modes such as increase terminal device enables points account to use in specified trade company；For points account user, that is, it is vast
Consumer, since points account and bank account cannot be used in mixed way, so consumer can only be using limited on points account
Spending limit is consumed, or consumption is on specified commodity.Limitation just because of the traditional quadrature means of payment causes to accumulate
Divide and discount coupon can only be used under extremely limited occasion, does not reach the initial purpose for promoting consumption, activation market.
Summary of the invention
In order to solve the problems, such as that existing integral clearing and means of circulation are single, payment obstacle is more, the present invention provides one kind
Integral clearing are convenient, are easy the method for payment and its system of circulation.
To achieve the goals above, present invention provide the technical scheme that a kind of integral method of payment, including following step
It is rapid:
User's logon account authorizes the integration data acquisition of other businessmans；
Obtain the integral of other businessmans of user；
By certain conversion scale by the quadrature conversion of other businessmans at new integral；
It is obtained to this consumption business server and is integrated needed for this consumption and produce goods orders；
Integral needed for deducting the corresponding goods order in new integral.
In the above-mentioned technical solutions, further, the new integral can be divided in a manner of html5 social platform
It enjoys or gives.
In the above-mentioned technical solutions, the sharing or the new integral after giving are stored in the account of new user.
As further technical solution, the conversion scale is the integral and cash according to the corresponding businessman of integral
Conversion ratiometric conversion forms.
In the above-mentioned technical solutions, further, it is described integral be by currency clear based on and issue.
In addition, the present invention also provides a kind of integral payment systems, comprising:
Account management unit, the account profile and the integration data in account of user management user；
Acquiring unit is integrated, for obtaining current account in the integration data of other businessmans；
Quadrature conversion unit, for the conversion between integrating, i.e., by conversion scale by the quadrature conversion of other businessmans at
New integral；
Clearing unit is integrated, for the integral clearing in this system；
Sharing unit is integrated, for being shared or being given the integral in this system in a manner of red packet；
Storage server, for storing account and integration data, there are also the ephemeral datas in each unit.
In above system, as further technical solution, the integral sharing unit is by by product set by user
Divide and generates sharing link in a manner of html5.
On the basis of above scheme, it is preferred that encryption is passed through in the sharing link.
The sharing link can be shared by social platform as a preferred technical solution,.
In above system, further, the conversion scale is the integral and cash according to the corresponding businessman of integral
Conversion ratiometric conversion form.
The beneficial effect of the present invention compared with the existing technology is: based on the integral method of payment is cleared by currency, integral
Payment is dedicated to providing the real-time consumption of integral, circulation and clearing service for each trade company of every profession and trade for means.Eliminate user integral
Consumption means it is single, scene experiences bad obstacle, meets trade company and the double goal demand of consumer, has made on line
The integral service system of scene application service under technology export line.
In addition, can be packaged the integral of trade company each in platform and third-party platform by integral red packet function,
Red packet distribution is carried out, the circulation of existing integral has been got through, has imparted the social meaning of integral, and enterprise can pass through integral
Corresponding integral welfare is provided to employee.
Detailed description of the invention
Fig. 1 is the flow chart of the method for the present invention；
Fig. 2 is the structure chart of present system.
Specific embodiment
Specific embodiments of the present invention will be further explained with reference to the accompanying drawing.It should be noted that for
The explanation of these embodiments is used to help understand the present invention, but and does not constitute a limitation of the invention.In addition, disclosed below
The each embodiment of the present invention involved in technical characteristic can be combined with each other as long as they do not conflict with each other.
As shown in Figure 1, a kind of integral method of payment, comprising the following steps:
S10: user's logon account obtains permission to the integration data of other businessmans and authorizes, such as bank, especially
The integration data of the credit card of all banks, there are also the consumption of major supermarket also to have integration data, and there are also three big communication operators
Integration data etc., user can allow this system to obtain the user in the integration data of above-mentioned businessman by way of authorization
Permission.
S20: after obtaining permission, system obtains the integration data of other businessmans of user or bank；
S30: the technical data of the businessman of authorization or bank is passed through into certain conversion scale for the integral of other businessmans
It is converted into new integral；The integral of businessman or bank of the specific conversion scale corresponding to integrating and the conversion ratio of cash
It converts, such as the credit 10 of China Merchants Bank divides and can be of use 1 yuan, then basic conversion scale is then
10:1, but due to each businessman perhaps bank integral using require certain condition for example and can only exchange particular commodity or
It needs to use simultaneously with RMB, can not directly be of use, so the equity in order to guarantee businessman or bank, in underlying scale
On the basis of, according to the conversion agreement of China Merchants Bank and this system, then carries out certain ratio and exchange, such as changed as defined in agreement
Calculation ratio is 5:1, then the conversion scale after superposition is then 50:1, further, in order to guarantee the businessman using this method
Equity, it is also necessary to carry out it is certain be pumped into, therefore using discounting on conversion scale after superimposing, such as the ratio of being pumped into is
2:1, then final ratio is then 100:1, i.e., 100 quadrature conversion of credit card of final China Merchants Bank to this method or is
In system I 1 integral.
S40: obtaining to this consumption business server and integrate needed for this consumption and produce goods orders, described herein
Integral is the integral in this method or system, if the integral of oneself businessman needed for this time consumption businessman can only provide the commodity,
Further progress ratiometric conversion is so also needed, i.e., by the integral in this method or system by reversed conversion scale, by it
It is converted into the integration data of corresponding merchant；
S50: integral needed for deducting the corresponding goods order in new integral, integral described herein be this method or
Integral in person's system, if the integral of oneself businessman needed for this time consumption businessman can only provide the commodity, then also needing into one
Step carries out ratiometric conversion, i.e., the integral in this method or system is converted into corresponding merchant by reversed conversion scale
Integral be deducted, the businessman before conversion or the integral of bank can also deduct together certainly.
In the method integral clearing be by currency clear based on and carries out, for example, the price of the commodity be 10
Yuan, required China Merchants Bank's credit is 1000 points after conversion, then when clearing, China Merchants Bank's credit
Card center needs to pay 10 yuans of businessmans for being given to vending articles while deducting 1000 integral in the account, integrates
A kind of only form of expression is based on being cleared by currency at all.
In addition, the integral in this method or system can also be shared or be given in a manner of html5 social platform
It send, the new integral after sharing or giving is stored in the account of new user.Every time can integral to trade company or third-party platform into
Row red packet is packaged, and after being packaged successfully, can generate the html5 page that can share, user's sharing function, sharing has possessed to user
Third party's social platform (qq/ wechat) of social circle in the form of dialog box or can be used in the form of group chat
The form of microblogging forwarding and circle of friends carries out red packet granting, and neck red packet user can open link, and input handset number is accumulated
Divide and gets.
Based on the integral method of payment is cleared by currency, integral payment is dedicated to providing for each trade company of every profession and trade for means
Real-time consumption, circulation and the clearing of integral service.The single of user integral consumption means is eliminated, scene experiences bad obstacle,
Meet trade company and the double goal demand of consumer, makes the integral service with scene application service under technology export line on line
System.
In addition, can be packaged the integral of trade company each in platform and third-party platform by integral red packet function,
Red packet distribution is carried out, the circulation of existing integral has been got through, has imparted the social meaning of integral, and enterprise can pass through integral
Corresponding integral welfare is provided to employee.
As shown in Fig. 2, the present invention also provides a kind of integral payment systems, comprising:
Account management unit, the account profile and the integration data in account of user management user, specific includes this
The management of the account management of system and each account with power of attorney, such as the deletion and addition of account with power of attorney, modify this system
Login password, payment cipher and log-on message of account with power of attorney etc..
In addition, further including integral acquiring unit, for obtaining current account in other businessmans, bank or common carrier
Etc. integration data；
Quadrature conversion unit, for the conversion between integrating, i.e., by conversion scale by the quadrature conversion of other businessmans at
New integral, conversion scale are formed according to the conversion ratiometric conversion of the corresponding businessman of integral or the integral and cash of bank,
Such as the credit 10 of China Merchants Bank divides can be of use 1 yuan, then basic conversion scale is then 10:1, but due to
The integral of each businessman perhaps bank can only for example exchange particular commodity or needs and RMB using requiring certain condition
It uses, can not directly be of use simultaneously, thus the equity in order to guarantee businessman or bank, on the basis of underlying scale, root
According to the conversion agreement of China Merchants Bank and this system, then carries out certain ratio and exchanges, such as conversion scale as defined in agreement is 5:
1, then the conversion scale after superposition is then 50:1, further, in order to guarantee the equity of the businessman using this method, also need
Carry out it is certain be pumped into, therefore using discounting on conversion scale after superimposing, such as being pumped into ratio is 2:1, then most
Whole ratio is then 100:1, i.e., 100 quadrature conversion of credit card of final China Merchants Bank my 1 product into this method or system
Point.
There are also integral clearing unit, in this system integral clearing, such as this system and exchange integral businessman it
Between clearing, this system and consumption businessman between clearing, this system integral clearing be by currency clear based on and carry out
, for example, the price of the commodity is 10 yuans, required China Merchants Bank's credit is 1000 points after conversion, then
When clearing, China Merchants Bank's credit card centre needs to pay 10 yuan of people while deducting 1000 integral in the account
Coin is given to the businessman of vending articles, and integral is a kind of form of expression, is based on being cleared by currency at all.
As further, integral sharing unit is additionally provided in this system, for by the integral in this system with red packet
Mode is shared or is given；Integral can also be shared or be given in a manner of html5 social platform, share or
New integral after giving is stored in the account of new user.Red packet packing can be carried out to the integral of trade company or third-party platform every time,
After being packaged successfully, the html5 page that can share can be generated, which can be encrypted, user's sharing function, share to use
Family has possessed third party's social platform (qq/ wechat) of social circle, can be in the form of group chat, can be with the shape of dialog box
Formula can also be forwarded with microblogging and the form of circle of friends carries out red packet granting, and neck red packet user can open link, input handset
Number carries out integral and gets.
In addition, system further includes storage server, for storing account and integration data, there are also interim in each unit
Data, above each unit carries out requiring to call the data stored in storage server when data manipulation, certainly, in order to guarantee
The stability of storage server, is provided with temporary holding area in storage server, for store quadrature conversion unit with
And ephemeral data of the integral clearing unit when doing operation.
Based on the integral payment system is cleared by currency, integral payment is dedicated to providing for each trade company of every profession and trade for means
Real-time consumption, circulation and the clearing of integral service.The single of user integral consumption means is eliminated, scene experiences bad obstacle,
Meet trade company and the double goal demand of consumer, makes the integral service with scene application service under technology export line on line
System.
In conjunction with attached drawing, the embodiments of the present invention are described in detail above, but the present invention is not limited to described implementations
Mode.For a person skilled in the art, in the case where not departing from the principle of the invention and spirit, to these embodiments
A variety of change, modification, replacement and modification are carried out, are still fallen in protection scope of the present invention.
Claims (10)
1. a kind of integral method of payment, which comprises the following steps:
User's logon account authorizes the integration data acquisition of other businessmans；
Obtain the integral of other businessmans of user；
By certain conversion scale by the quadrature conversion of other businessmans at new integral；
It is obtained to this consumption business server and is integrated needed for this consumption and produce goods orders；
Integral needed for deducting the corresponding goods order in new integral.
2. integral method of payment according to claim 1, it is characterised in that: the new integral can by social platform with
The mode of html5 is shared or is given.
3. integral method of payment according to claim 2, it is characterised in that: the sharing or new integrate after giving are deposited
Enter the account of new user.
4. integral method of payment according to claim 1, it is characterised in that: the conversion scale is according to corresponding to integral
The conversion ratiometric conversion of integral and cash of businessman form.
5. integral method of payment according to claim 4, it is characterised in that: it is described integral be by currency clear based on and
Distribution.
6. a kind of integral payment system characterized by comprising
Account management unit, the account profile and the integration data in account of user management user；Acquiring unit is integrated, is used for
Current account is obtained in the integration data of other businessmans；
Quadrature conversion unit passes through conversion scale for the quadrature conversion Cheng Xinji of other businessmans for the conversion between integrating
Point；
Clearing unit is integrated, for the integral clearing in this system；
Sharing unit is integrated, for being shared or being given the integral in this system in a manner of red packet；
Storage server, for storing account and integration data, there are also the ephemeral datas in each unit.
7. integral payment system according to claim 6, it is characterised in that: the integral sharing unit is by setting user
Fixed integral generates sharing link in a manner of html5.
8. integral payment system according to claim 7, it is characterised in that: encryption is passed through in the sharing link.
9. integral payment system according to claim 7, it is characterised in that: sharing link can by social platform into
Row is shared.
10. integral payment system according to claim 6, it is characterised in that: the conversion scale is right according to integral institute
The conversion ratiometric conversion of the integral and cash of the businessman answered forms.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811320588.3A CN109559159A (en) | 2018-11-07 | 2018-11-07 | A kind of integral method of payment and its system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811320588.3A CN109559159A (en) | 2018-11-07 | 2018-11-07 | A kind of integral method of payment and its system |
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| Publication Number | Publication Date |
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| CN109559159A true CN109559159A (en) | 2019-04-02 |
Family
ID=65865768
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| CN201811320588.3A Withdrawn CN109559159A (en) | 2018-11-07 | 2018-11-07 | A kind of integral method of payment and its system |
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Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111681043A (en) * | 2020-05-28 | 2020-09-18 | 中国工商银行股份有限公司 | Integral data clearing method and device |
| CN111695939A (en) * | 2020-06-12 | 2020-09-22 | 常青藤科技河北有限公司 | Consumption point/electronic currency integration method and system |
| CN112330374A (en) * | 2020-12-01 | 2021-02-05 | 首旅如家(广州)区块链科技有限公司 | Block chain integral marketing method and system based on distributed identity |
| CN113643026A (en) * | 2021-08-30 | 2021-11-12 | 重庆世纪禾马科技有限公司 | Settlement system |
| CN113962746A (en) * | 2021-11-02 | 2022-01-21 | 中国银行股份有限公司 | Point exchange method and device based on mobile banking |
-
2018
- 2018-11-07 CN CN201811320588.3A patent/CN109559159A/en not_active Withdrawn
Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111681043A (en) * | 2020-05-28 | 2020-09-18 | 中国工商银行股份有限公司 | Integral data clearing method and device |
| CN111681043B (en) * | 2020-05-28 | 2024-04-16 | 中国工商银行股份有限公司 | Integral data clearing method and device |
| CN111695939A (en) * | 2020-06-12 | 2020-09-22 | 常青藤科技河北有限公司 | Consumption point/electronic currency integration method and system |
| CN112330374A (en) * | 2020-12-01 | 2021-02-05 | 首旅如家(广州)区块链科技有限公司 | Block chain integral marketing method and system based on distributed identity |
| CN113643026A (en) * | 2021-08-30 | 2021-11-12 | 重庆世纪禾马科技有限公司 | Settlement system |
| CN113962746A (en) * | 2021-11-02 | 2022-01-21 | 中国银行股份有限公司 | Point exchange method and device based on mobile banking |
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Application publication date: 20190402 |
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