CN109598490A

CN109598490A - Transaction data processing method, apparatus and system

Info

Publication number: CN109598490A
Application number: CN201710919205.3A
Authority: CN
Inventors: 李艳芳; 林家平
Original assignee: Alibaba Group Holding Ltd
Current assignee: Alibaba Group Holding Ltd
Priority date: 2017-09-30
Filing date: 2017-09-30
Publication date: 2019-04-09
Also published as: TW201915886A; WO2019062704A1

Abstract

The embodiment of the present application provides a kind of transaction data processing method, apparatus and system.In the embodiment of the present application, for using user's transaction data that commodity generate in the case where the identity information on third party/online trading server is line, delivery operation is carried out by the user account of the identity information binding with the user on third party/online trading server, realize a kind of on-line off-line transaction data processing mode combined, it can use the advantage paid on line and drive off-line transaction, improve convenience of the off-line transaction in payment, and then competitiveness of the entity shops under electric business environment is improved, promote the development of entity shops.

Description

Transaction data processing method, device and system

Technical Field

The present application relates to the field of internet technologies, and in particular, to a method, an apparatus, and a system for processing transaction data.

Background

Electronic commerce is a novel business operation mode which takes an information network technology as a means to realize online shopping of consumers, online transaction between merchants, online electronic payment and various business activities, transaction activities, financial activities and related comprehensive service activities.

With the development of electronic commerce technology, various electric merchants are emerging continuously. The advantages of the online transaction mode adopted by various E-commerce in the aspect of data processing bring great impact to the offline transaction mode adopted by the physical store. Therefore, it is necessary to provide a new transaction data processing scheme for the brick and mortar stores to improve the convenience of the offline transaction.

Disclosure of Invention

Aspects of the application provide a transaction data processing method, device and system, which are used for providing an online and offline combined transaction data processing mode, driving offline transactions of physical stores by utilizing online advantages, and improving convenience of the offline transactions.

The embodiment of the application provides a transaction data processing method, which comprises the following steps:

acquiring transaction data to be processed, wherein the transaction data to be processed is generated aiming at commodities under the line by identity information of a user on a third-party server;

generating a payment request according to the identity information, the transaction number of the transaction data to be processed and the amount to be paid;

and sending the payment request to the third-party server so that the third-party server deducts corresponding fees from the user account bound with the identity information aiming at the transaction data to be processed.

The embodiment of the application also provides a transaction data processing method, which comprises the following steps:

receiving a payment request sent by a store terminal or a user terminal, wherein the payment request is generated according to identity information of a user on a third-party server, a transaction number of transaction data to be processed and the amount to be paid;

according to the transaction number and the amount to be paid, corresponding fees are deducted from the user account bound with the identity information aiming at the transaction data to be processed;

wherein the transaction data to be processed is generated for the off-line commodity with the identity information.

acquiring to-be-processed transaction data, wherein the to-be-processed transaction data is generated by aiming at off-line commodities purchased by a user in a physical store by using on-line identity information on an on-line transaction server of the user;

generating a payment request according to the online identity information, the transaction number of the transaction data to be processed and the amount to be paid;

and sending the payment request to the online transaction server so that the online transaction server deducts corresponding fees from the user account bound with the online identity information according to the to-be-processed transaction data.

receiving a payment request sent by a store terminal or a user terminal, wherein the payment request is generated according to online identity information of a user on an online transaction server, a transaction number of transaction data to be processed and the amount of money to be paid;

according to the transaction number and the amount to be paid, deducting corresponding fees from a user account bound with the online identity information aiming at the transaction data to be processed;

wherein the to-be-processed transaction data is generated for an offline commodity bought by the user at a physical store with the online identity information.

An embodiment of the present application further provides a terminal device, including: a memory, a processor, and a communication component;

the memory for storing a computer program;

the processor, coupled with the memory, to execute the computer program to:

sending the payment request to the third-party server through the communication component, so that the third-party server deducts corresponding fees from the user account bound with the identity information for the to-be-processed transaction data;

the communication component is used for sending the payment request to the third-party server.

An embodiment of the present application further provides a third-party server, including: a memory, a processor, and a communications component;

the memory for storing a computer program;

the processor, coupled with the processor, to execute the computer program to:

receiving a payment request sent by a store terminal or a user terminal through the communication component, wherein the payment request is generated according to the identity information of the user on the third-party server, the transaction number of the transaction data to be processed and the amount to be paid;

the memory for storing a computer program;

the processor, coupled with the memory, to execute the computer program to:

sending the payment request to the online transaction server through the communication component, so that the online transaction server deducts corresponding fees from a user account bound with the online identity information for the to-be-processed transaction data;

the communication component is used for sending the payment request to the online transaction server.

The embodiment of the present application further provides an online transaction server, which includes: a memory, a processor, and a communications component;

the memory for storing a computer program;

the processor, coupled with the processor, to execute the computer program to:

receiving a payment request sent by a store terminal or a user terminal through the communication assembly, wherein the payment request is generated according to online identity information of a user on the online transaction server, a transaction number of transaction data to be processed and the amount to be paid;

An embodiment of the present application further provides a transaction data processing system, including: the system comprises a store terminal, a user terminal and an online transaction server;

the store terminal or the user terminal is used for acquiring transaction data to be processed, and the transaction data to be processed is generated by aiming at off-line commodities bought by the user in the physical store by the user according to on-line identity information of the user on the on-line transaction server; generating a payment request according to the online identity information, the transaction number of the transaction data to be processed and the amount to be paid; sending the payment request to the online transaction server;

and the online transaction server is used for receiving the payment request sent by the store terminal or the user terminal, and deducting corresponding fees from a user account bound with the online identity information aiming at the transaction data to be processed according to the transaction number and the amount to be paid.

and carrying out payment processing according to the transaction data to be processed.

An embodiment of the present application further provides a terminal device, including: a memory and a processor;

the memory for storing a computer program;

the processor, coupled with the memory, to execute the computer program to:

In the embodiment of the application, for the transaction data generated by taking the identity of the user on the third party/online transaction server as the offline commodity, payment operation is carried out through the user account bound with the identity information of the user on the third party/online transaction server, so that an online and offline combined transaction data processing mode is realized, offline transaction can be driven by the advantages of online payment, the convenience of the offline transaction in payment is improved, the competitiveness of an entity store in an e-commerce environment is further improved, and the development of the entity store is promoted.

Drawings

The accompanying drawings, which are included to provide a further understanding of the application and are incorporated in and constitute a part of this application, illustrate embodiment(s) of the application and together with the description serve to explain the application and not to limit the application. In the drawings:

FIG. 1 is a block diagram of a transaction data processing system provided in an exemplary embodiment of the present application;

FIG. 2a is a schematic diagram of a transaction data processing flow provided in connection with the system of FIG. 1 according to another exemplary embodiment of the present application;

FIG. 2b is a block diagram of another transactional data processing system in accordance with another exemplary embodiment of the present application;

FIG. 3 is a schematic flow chart diagram illustrating a transaction data processing method according to another exemplary embodiment of the present application;

FIG. 4a is a schematic flow chart diagram illustrating another transaction data processing method according to another exemplary embodiment of the present application;

FIG. 4b is a schematic flow chart diagram illustrating yet another transaction data processing method according to yet another exemplary embodiment of the present application;

FIG. 5a is a schematic diagram of a transaction data processing device according to another exemplary embodiment of the present application;

fig. 5b is a schematic structural diagram of a terminal device according to another exemplary embodiment of the present application;

FIG. 6a is a schematic diagram of another transaction data processing device according to yet another exemplary embodiment of the present application;

FIG. 6b is a schematic diagram illustrating an architecture of an online transaction server according to another exemplary embodiment of the present application;

fig. 7 is a schematic structural diagram of another terminal device according to another exemplary embodiment of the present application.

Detailed Description

In order to make the objects, technical solutions and advantages of the present application more apparent, the technical solutions of the present application will be described in detail and completely with reference to the following specific embodiments of the present application and the accompanying drawings. It should be apparent that the described embodiments are only some of the embodiments of the present application, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present application.

Aiming at the impact brought to the offline transaction mode by the online transaction mode, the embodiment of the application provides a solution for the entity store, and aiming at the transaction data generated by taking the identity of the user on the third party/online transaction server as the offline commodity, the payment operation is carried out through the user account bound with the identity information of the user on the third party/online transaction server, so that an online and offline combined transaction data processing mode is realized, the offline transaction can be driven by the advantages of online payment, the convenience of the offline transaction in payment is improved, the competitiveness of the entity store in the e-commerce environment is improved, and the development of the entity store is promoted. Therefore, the entity stores registered without members offline and the like can utilize the account numbers of the registered identity information of the online e-commerce websites and the like of the users to perform the transaction processing of the offline commodities, so that the users can realize online and offline communication of transaction data by utilizing the account numbers registered online, the operation efficiency of the offline entity stores is improved, and the user experience of offline communication of the users is improved.

In an exemplary embodiment of the present application, a transaction data processing system includes a store terminal, a user terminal, and a third party server. For a description of the system, reference may be made to the following embodiment shown in fig. 1, and a third-party server in the system may be used as a specific implementation form of the online transaction server in the embodiment shown in fig. 1.

Based on the system, the embodiment of the application provides a transaction data processing method suitable for a store terminal or a user terminal, and the method comprises the following steps: acquiring transaction data to be processed, wherein the transaction data to be processed is generated aiming at commodities under the line by identity information of a user on a third-party server; generating a payment request according to the identity information of the user on the third-party server, the transaction number of the transaction data to be processed and the amount to be paid; and sending the payment request to the third-party server so that the third-party server deducts corresponding cost from the user account bound with the identity information for the transaction data to be processed.

Based on the system, the embodiment of the application provides a transaction data processing method of a third-party server, and the method comprises the following steps: receiving a payment request sent by a store terminal or a user terminal, wherein the payment request is generated according to identity information of a user on a third-party server, a transaction number of transaction data to be processed and the amount to be paid; according to the transaction number and the amount to be paid, corresponding fees are deducted from a user account bound with the identity information of the user on the third-party server aiming at the transaction data to be processed; the transaction data to be processed is generated for the off-line commodity by the identity information.

For the detailed implementation process of the above method, reference may be made to the related description in the following embodiments, which are not repeated herein.

The technical solutions provided by other embodiments of the present application are described in detail below with reference to the accompanying drawings.

Fig. 1 is a schematic diagram of a transaction data processing system 100 according to an exemplary embodiment of the present application. As shown in fig. 1, the transaction data processing system 100 includes: a store terminal 101, a user terminal 102, and an online transaction server 103.

The store terminal 101 is a terminal device of a physical store, and may be installed in the physical store or deployed outside the physical store. In deployment, it is generally preferred to deploy the store terminal 101 in a physical store. The store terminal 101 is mainly responsible for transaction processing of goods purchased by the user in the physical store. Transaction processing herein includes, but is not limited to: order generation, order payment, order cancellation, order modification, and the like.

The store terminal 101 may be any device with certain computing capabilities, such as a smart phone, a tablet, a personal computer, etc., a smart POS, etc. The basic structure of the store terminal 101 includes: at least one processing unit and at least one memory. The number of processing units and memories depends on the configuration and type of store terminal 101. The Memory may include volatile, such as RAM, non-volatile, such as Read-Only Memory (ROM), flash Memory, etc., or both. The memory typically stores an Operating System (OS), one or more application programs, and may also store program data and the like. In addition to the processing unit and the memory, the store terminal 101 also includes some basic configurations, such as a network card chip, an IO bus, audio and video components, and the like. Optionally, the store terminal 101 may also include some peripherals, such as a keyboard, mouse, stylus, printer, barcode scanner, etc. The code scanning gun can scan various code patterns such as various bar codes or two-dimensional codes and the like to obtain related information. Other peripheral devices are well known in the art and will not be described in detail herein.

One or more store terminals 101 may be provided according to the size of the physical store. The brick-and-mortar store may be any physical space having a certain space and having a selling function or behavior, and may be, for example, a supermarket, a convenience store, a shopping mall, a wholesale market, and the like.

The user terminal 102 is a terminal device used by a user, and may be a smart phone, a tablet computer, a personal computer, a wearable device, or the like. The user terminal 102 also typically comprises at least one processing unit and at least one memory. The number of processing units and memories depends on the configuration and type of the user terminal 102. In addition to the processing unit and the memory, the user terminal 102 may also include a network card chip, an IO bus, an audio/video component, and other basic configurations. Optionally, depending on the implementation of the user terminal 102, the user terminal 102 may also include some peripheral devices, such as a keyboard, a mouse, a stylus, a printer, etc. These peripheral devices are well known in the art and will not be described in detail herein.

The online transaction server 103 is a server capable of performing transaction processing in a network virtual environment, and generally refers to a server for performing online commodity transaction using a network, and a user generally needs to register identity information in the server to perform transaction behaviors such as purchasing commodities using a registered account number, and may be a transaction server of each e-commerce platform or an online transaction website, or may be a third-party server. In physical implementation, the online transaction server 103 may be any device capable of providing computing services, responding to service requests, and performing processing, and may be, for example, a conventional server, a cloud host, a virtual center, and the like. The server mainly comprises a processor, a hard disk, a memory, a system bus and the like, and is similar to a general computer framework.

In the present embodiment, both the store terminal 101 and the user terminal 102 are network-connected to the online transaction server 103. The store terminal 101 or the user terminal 102 may be connected to the online transaction server 103 via a wireless or wired network. If the store terminal 101 or the user terminal 102 is communicatively connected to the online transaction server 103 through a mobile network, the network format of the mobile network may be any one of 2G (gsm), 2.5G (gprs), 3G (WCDMA, TD-SCDMA, CDMA2000, UTMS), 4G (LTE), 4G + (LTE +), WiMax, and the like.

In the transaction data processing system 100, the store terminal 101, the user terminal 102, and the online transaction server 103 cooperate with each other to realize an online-offline combined transaction data processing method, thereby completing an online-offline transaction. The online and offline transaction getting through of the present embodiment mainly involves two phases: a transaction data generation phase and a transaction data payment phase. In the transaction data generation stage, transaction data is mainly generated according to the online identity information of the user and aiming at commodities purchased by the user in the physical store. In the transaction data payment stage, payment is mainly carried out on the transaction data generated by the online identity information of the user aiming at the commodities purchased by the user in the physical store through a user account bound with the online identity information of the user.

The online identity information of the user is information registered on the online transaction server 103 by the user and used for identifying the identity of the user, and may be, for example, a mobile phone number and an identification number of the user, or may also be identification information uniquely allocated to the user by the online transaction server 103. For the user, online transaction (e.g. online shopping, online payment, etc.) can be performed through the online transaction server 103 based on the online identity information, and online synchronization of offline transaction data can be realized through the online transaction server 103 based on the online identity information. For the online transaction server 103, online transaction data of the user can be managed through the online identity information of the user, and transaction data of the user in a physical store can be managed or synchronized.

In the following description, for convenience of description and distinction, the commodities transacted in the physical store are referred to as offline commodities, and correspondingly, the commodities transacted by using the online transactor are referred to as online commodities, where the online commodities and the offline commodities are only referred to as commodities transacted under different scenes, and are essentially commodity objects involved in the transaction.

A transaction data generation stage:

a user purchases off-line commodities in a physical store, and when the required off-line commodities are purchased, the user settles accounts at a cashier desk of the physical store. The cashier acquires information of the offline commodities purchased by the user in the physical store through the store terminal 101. The information of the offline merchandise purchased by the user in the physical store includes but is not limited to: the name of the good, the quantity, the category to which it belongs, the merchant, the shelf life, the size, etc.

Alternatively, the cashier may scan a two-dimensional code or a barcode on the offline merchandise purchased by the user in the physical store through a peripheral device of the store terminal 101, such as a barcode scanner, to obtain information of the offline merchandise purchased by the user in the physical store.

Alternatively, the cashier may manually enter information of the offline merchandise purchased by the user at the physical store through a peripheral device of the store terminal 101, such as a mouse, a keyboard, and the like.

In this embodiment, the store terminal 101 acquires information of offline commodities that the user has bought in the physical store, on the one hand, and acquires online identity information of the user, on the other hand. The present embodiment does not limit the sequence of the store terminal 101 acquiring the information of the offline merchandise purchased by the user in the physical store and acquiring the online identity information of the user. For example, the information of the offline commodities that the user has bought in the physical store may be obtained first, and then the online identity information of the user may be obtained; or, the online identity information of the user can be obtained first, and then the information of the offline commodities bought by the user in the physical store can be obtained; alternatively, in the case of no conflict, the information of the offline goods purchased by the user in the physical store and the online identity information of the user may be acquired in parallel.

After obtaining the offline commodity information purchased by the user in the physical store and the online identity information of the user, the store terminal 101 sends the online identity information of the user and the offline commodity information purchased by the user in the physical store to the online transaction server 103, so that the online transaction server 103 generates transaction data for the offline commodity purchased by the user in the physical store by using the online identity of the user, and the online and offline transactions are combined, thereby facilitating the improvement of the convenience of the offline transaction.

For the online transaction server 103, information of offline commodities purchased by the user in the physical store and online identity information of the user, which are sent by the store terminal 101, are received, so that transaction data is generated for the offline commodities purchased by the user in the physical store by using the online identity of the user, and the generated transaction data is respectively issued to the store terminal 101 and the user terminal 102. The store terminal 101 and the user terminal 102 receive transaction data issued by the online transaction server 103. The main flow of the transaction data generation phase is now substantially complete.

For the store, the transaction data is associated with the online identity of the user, maintenance and management are performed on the transaction data of the store, so that the consumption condition of the store consumer can be conveniently viewed or known, and reference data can be provided for storefront layout, commodity layout and the like of the physical store. For the user, the online transaction data of the user can be managed and checked, and the offline transaction data of the user in a physical store can be managed and checked. The transaction data processing mode combining online and offline in the transaction data generation stage can fully utilize the online advantages to drive the convenience of offline transactions in the aspects of management, maintenance, operation and the like, improve the competitiveness of the physical store in the e-commerce environment and promote the development of the physical store.

In addition, the shopping users of the physical stores have randomness, so that the transaction commodity information of the users cannot be associated with the actual users frequently when the traditional users consume the shopping users, and therefore, the development of the physical stores is not favorable; in online transactions such as e-commerce, users generally process transaction commodity information uniformly based on account information such as registered identity, which is a technical implementation of online transaction convenience. In the embodiment of the application, the identity information registered online by the user can be associated with the offline transaction and communicated with the offline transaction, so that the online transaction and the offline transaction can be unified conveniently, the competitiveness of an offline entity store is improved, and the experience of offline shopping is also improved.

In some exemplary embodiments, after obtaining the information of the offline goods bought by the user at the physical store and the online identity information of the user, the store terminal 101 may automatically send the information of the offline goods bought by the user at the physical store and the online identity information of the user to the online transaction server 103.

In other exemplary embodiments, after obtaining the information of the offline merchandise purchased by the user in the physical store and the online identity information of the user, the store terminal 101 may display a list prompt page for the cashier or the user to confirm whether to make a list. When the cashier or the user confirms the order placing, the order placing operation can be triggered through the order placing prompt page, for example, the order placing button on the order placing prompt page is clicked. Based on this, the store terminal 101 may transmit the online identity information of the user and the information of the offline goods that the user has bought at the physical store to the online transaction server 103 in response to the ordering operation for the online goods that the user has bought at the physical store.

In still other exemplary embodiments, when the store terminal transmits the online identity information of the user and the information of the offline goods purchased by the user at the physical store to the online transaction server 103, the online identity information of the user and the information of the offline goods purchased by the user at the physical store may all be transmitted to the online transaction server 103 in one communication process; alternatively, the online identity information of the user and the information of the offline merchandise purchased by the user in the physical store may be transmitted to the online transaction server 103 in different communication processes.

In an alternative embodiment, the store terminal 101 may first send the online transaction server 103 the online identity information of the user, so that the online transaction server 103 can verify the validity of the user according to the online identity information of the user. For the online transaction server 103, the online identity information of the user sent by the store terminal 101 can be received, and the validity of the user can be verified according to the online identity information of the user; when the user passes the validity verification, the verification pass result is transmitted to the store terminal 101. The store terminal 101 receives the verification result returned by the online transaction server 103, and if the verification result returned by the online transaction server 103 is received, it continues to transmit the information of the offline merchandise purchased by the user in the physical store to the online transaction server 103. The online transaction server 103 receives information of offline products that the user has bought in the physical store, which is continuously transmitted from the store terminal 101. Then, the online transaction server 103 may generate transaction data for the offline goods purchased by the user in the physical store according to the online identity of the user, and issue the generated transaction data to the store terminal 101 and the user terminal 102, respectively. In this embodiment, the validity of the user is first verified, and when the user fails the validity verification, the store terminal 101 may not transmit information of the offline goods purchased by the user at the physical store to the online transaction server 103, which is advantageous for saving network traffic and reducing the processing load of the online transaction server 103.

In the above embodiment or the following embodiments, the online transaction server 103 may generate transaction data for the offline goods that the user has bought in the physical store based on the online identity of the user. The online transaction server 103 may generate transaction data for the offline merchandise purchased by the user at the brick-and-mortar store in a variety of ways, based on the online identity of the user. Several approaches are provided below:

in an alternative embodiment, the online transaction server 103 may generate initial transaction data including information of offline commodities, such as commodity names, quantities, specifications, etc., purchased by the user at the physical store; then, distributing a transaction number for the initial transaction data to obtain transaction data; and associating the transaction number of the transaction data with the online identity information of the user, so as to achieve the purpose of generating the transaction data by taking the online identity of the user as the offline commodity of the user selected and purchased in the physical store. The online transaction server 103 may allocate a transaction number to the initial transaction data according to its own transaction number allocation policy.

In another optional embodiment, the online transaction server 103 may generate a transaction number of the transaction data according to the online identity information of the user, for example, perform hash calculation on the online identity information of the user, and use the hash value as the transaction number; the content of the transaction data is generated according to the information of the offline commodities bought by the user in the physical store, so that the purpose of generating the transaction data by taking the online identity of the user as the offline commodities bought by the user in the physical store is achieved. In this embodiment, the transaction number of the transaction data is associated with the online identity of the user.

It is worth noting that in the above embodiments, the transaction data includes, but is not limited to: transaction number, information of each commodity, total transaction amount and the like.

Transaction data payment phase:

after transaction data is generated for goods that the user has purchased at the brick and mortar store with the user's online identity information, a payment process for the transaction data may be entered. The present embodiment will next focus on a process of making payment for transaction data generated with the online identity information of the user for goods purchased by the user at a brick and mortar store. For convenience of description, the transaction data generated by using the online identity information of the user for the goods purchased by the user in the physical store will be referred to as the pending transaction data.

In the present embodiment, the payment operation for the transaction data to be processed may be triggered by the store terminal 101 or may be triggered by the user terminal 102. For the store terminal 101 or the user terminal 102, the transaction data to be processed is acquired first. Alternatively, as described in the upper transaction data generation stage, the store terminal 101 or the user terminal 102 may receive, as the transaction data to be processed, the transaction data generated by the online transaction server 103 for the goods selected by the user in the physical store with the online identity information of the user. Then, the store terminal 101 or the user terminal 102 generates a payment request according to the online identity information of the user, the transaction number of the transaction data to be processed, and the amount to be paid, and sends the payment request to the online transaction server 103, so that the online transaction server 103 deducts corresponding fees from the user account bound with the online identity information of the user for the transaction data to be processed. The amount to be paid is less than or equal to the total transaction amount related to the transaction data to be processed, and the specific value can be flexibly determined according to specific situations.

For the online transaction server 103, a payment request sent by the store terminal 101 or the user terminal 102 is received, and it is determined that a payment operation needs to be performed for the transaction data to be processed according to the payment request, so that a corresponding fee is deducted from a user account bound with the online identity information of the user for the transaction data to be processed according to the transaction number and the amount to be paid of the transaction data to be processed. The online transaction server 103 pays the fee deducted from the user account to the merchant account corresponding to the physical store. Optionally, the online transaction server 103 may transfer the corresponding fee in the user account to the merchant account corresponding to the physical store. Alternatively, the online transaction server 103 may transfer the corresponding fee in the user account to an intermediate account, and then transfer the corresponding fee from the intermediate account to a merchant account corresponding to the physical store. The intermediate account is mainly an account of an e-commerce to which the online transaction server 103 belongs.

Therefore, for the transaction data generated by the online commodity which is bought by the user in the physical store by taking the online identity of the user on the online transaction server as the online commodity, the payment operation is carried out through the user account bound with the online identity information, and the payment process is simpler and more convenient for the store and the user. The online and offline combined transaction data processing mode realized in the transaction data payment stage can drive offline transaction by using the advantages of online payment, improve the convenience of the offline transaction in payment, further improve the competitiveness of the physical store in the e-commerce environment and promote the development of the physical store.

In some exemplary embodiments, after the store terminal 101 or the user terminal 102 acquires the transaction data to be processed, an information page corresponding to the transaction data to be processed may be displayed, and the information page includes the payment control. Upon confirmation of payment, the payment control may be triggered (e.g., clicked, pressed long) to initiate a payment operation to the cashier or user. For the store terminal 101 or the user terminal 102, in response to the trigger operation for the payment control, a payment request may be generated according to the online identity information of the user, the transaction number of the transaction data to be processed, and the amount to be paid, and sent to the online transaction server 103, so that the online transaction server 103 deducts a corresponding fee from the user account bound with the online identity information of the user.

In some exemplary embodiments, the amount to be paid in the payment request may be determined from the offline price of the good. For example, taking a commodity order as an example, when the online trading server 103 generates a commodity order, the total order amount may be generated according to the online price of the online commodity, and the total order amount may be carried in the commodity order and issued to the store terminal 101 or the user terminal 102. Alternatively, the store terminal 101 or the user terminal 102 may directly extract the total amount of the order from the commodity order, and report the total amount of the order as the amount to be paid to the online transaction server 103 by the payment request. Alternatively, the store terminal 101 or the user terminal 102 may report the amount selected by the user to the online transaction server 103 through a payment request, as the amount to be paid, according to a portion of the amount that the user selects to be paid through the user account bound to the online identity thereof. For example, the total amount of the order is 100 yuan, the user selects 50 yuan to pay by binding the user account with the online identity, and the rest 50 yuan selects cash, bank cards and other payment modes to pay.

Here, the offline price of the product refers to a price at the time of trading the product in a physical store. Accordingly, the price at which the commodity is traded by the online trader is referred to as the online price, and the online trading server 103 generally maintains the online price of the commodity. The online price and the offline price of the commodity may be the same or different.

In other exemplary embodiments, the amount to be paid in the payment request may be determined based on the online price of the good. Based on this, the store terminal 101 or the user terminal 102 may calculate the amount to be paid according to the online price of the offline commodity related to the transaction data to be processed on the online transaction server 103; and generating a payment request according to the online identity information of the user, the transaction number of the transaction data to be processed and the amount to be paid, and sending the payment request to the online transaction server 103 so that the online transaction server 103 deducts corresponding fees from a user account bound with the online identity information of the user.

Alternatively, the store terminal 101 or the user terminal 102 may extract the online price of the offline good directly from the pending transaction data when calculating the amount to be paid. For example, taking a product order as an example, when generating a product order, the online trading server 103 may obtain online prices of offline products, and send the online prices of the offline products to the store terminal 101 or the user terminal 102 while carrying the online prices of the offline products in the product order. Or,

alternatively, the store terminal 101 or the user terminal 102 may request the online price of the offline goods from the online transaction server 103 in real time when calculating the amount to be paid. For example, the store terminal 101 or the user terminal 102 may determine an offline good to which the pending transaction data relates, and may further send a price request to the online transaction server 103, the price request including an identification of the offline good. The online transaction server 103 receives a price request transmitted from the store terminal 101 or the user terminal 102, acquires an online price of an offline product from the price request including an identifier of the offline product, and returns the online price of the offline product to the store terminal 101 or the user terminal 102. The store terminal 101 or the user terminal 102 receives the online price of the offline commodity returned by the online transaction server 103, and then calculates the amount to be paid based on the online price of the offline commodity.

Alternatively, in calculating the amount to be paid, the store terminal 101 or the user terminal 102 may directly calculate the transaction total amount as the amount to be paid from the number of offline commodities and the online price of the offline commodities to which the transaction data to be processed relates. Or

Optionally, an online coupon policy that the user can enjoy may be incorporated in calculating the amount to be paid. Based on this, the store terminal 101 or the user terminal 102 may transmit a coupon policy request including the user's online identity information to the online transaction server 103. The online transaction server 103 receives the discount policy request sent by the store terminal 101 or the user terminal 102, acquires the online discount policy that the user can enjoy according to the online identity information of the user in the discount policy request, and returns the online discount policy that the user can enjoy to the store terminal 101 or the user terminal 102. The store terminal 101 or the user terminal 102 receives the online discount policy that the user can enjoy returned from the online transaction server 103, and calculates the amount to be paid based on the online discount policy that the user can enjoy and the online price of the offline commodity.

Further, if the user only selects to pay through the user account bound with the online identity information of the user, the transaction total amount of the transaction data to be processed can be determined as the amount to be paid according to the online discount strategy enjoyable by the user, the online price of the offline commodity and the quantity of the commodity. If the user selects other payment modes besides payment through the user account bound with the online identity information of the user, the transaction total amount of the transaction data to be processed can be determined according to an online discount strategy enjoyable by the user, the online price and the commodity quantity of the offline commodity; and determining the amount to be paid according to the amount which can be paid by other payment methods and the total transaction amount. For example, the difference between the total transaction amount and the amount payable by other payment means may be used as the pending payment amount. Other payment methods refer to payment methods other than payment through a user account bound with the online identity information of the user, such as payment methods of bank cards, credit cards, cash and the like.

In some exemplary embodiments, when generating the payment request, the store terminal 101 or the user terminal 102 may directly package the online identity information of the user in the payment request and report to the online transaction server 103. For the online transaction server 103, the online identity information of the user can be analyzed from the payment request, and then the user account bound with the online identity information of the user is determined according to the maintained binding relationship between the online identity information and the user account, and the corresponding fee is deducted from the user account.

In other exemplary embodiments, in generating the payment request, the store terminal 101 or the user terminal 102 may send an account request to the online transaction server 103, the account request including online identity information of the user. The online transaction server 103 receives an account request sent by the store terminal 101 or the user terminal 102, and according to the online identity information of the user in the account request. For the online transaction server 103, the online identity information of the user can be analyzed from the payment request, a user account bound with the online identity information of the user is obtained, and the user account is returned to the store terminal 101 or the user terminal 102, so that the store terminal 101 or the user terminal 102 can generate the payment request. The store terminal 101 or the user terminal 102 receives a user account returned by the online transaction server 103; and generating a payment request according to the user account, the transaction number of the transaction data to be processed and the amount to be paid. In this exemplary embodiment, the user account is carried directly in the payment request. For the line transaction server 103, the user account may be parsed from the direct payment request, and the corresponding fee may be deducted from the user account.

In this description, in the transaction data payment phase, the transaction data to be processed refers to transaction data generated for an offline commodity that the user purchases in a physical store by using the online identity information of the user. The to-be-processed transaction data may be generated in the manner described in the above-mentioned transaction data generation phase, that is, the store terminal 101 acquires information of the offline commodity purchased by the user in the physical store and online identity information of the user, sends the information of the offline commodity purchased by the user in the physical store and the online identity information of the user to the online transaction server 103, so that the online transaction server 103 generates and returns transaction data for the offline commodity by using the online identity of the user, and then the store terminal 101 and the user terminal 102 receive the transaction data issued by the online transaction server as the to-be-processed transaction data, but not limited thereto. In any generation mode, the transaction data generated by the online identity information of the user aiming at the commodities purchased by the user in the physical store can be used as a transaction data payment stage for payment processing.

In some exemplary embodiments, the online transaction server 103 may manage its own users through member codes. Different users have different membership codes, which uniquely identify the online identity of the user. The member code of the user carries the online identity information of the user. The member code of the user can be any coding pattern such as a bar code, a two-dimensional code and the like. The entire order processing flow will be described below with reference to fig. 2 a.

As shown in fig. 2a, a user may send a registration request to the online transaction server 103 through the user terminal 102, where the registration request carries information of the user, such as an identification number, a mobile phone number, a mailbox number, a home address, and the like. The online transaction server 103 generates a member code for the user based on the information and transmits the member code to the user terminal 102. The user terminal 102 receives the member code issued by the online transaction server 103, and may be stored locally, or may not be stored, and may acquire the member code from the online transaction server 103 as needed. It should be noted that the online identity information of the user may be not only a member code, but also other information that can uniquely identify the user, such as a member ID assigned to the user by the online transaction server 103.

Based on the above, as shown in fig. 2a, after the user purchases the offline merchandise needed in the physical store, on one hand, the cashier can scan the barcode or the two-dimensional code of the offline merchandise purchased by the user through the peripheral device of the store terminal 101, for example, the barcode scanning gun, to obtain the information of the offline merchandise purchased by the user (e.g., scan the merchandise ① shown in fig. 2 a), on the other hand, the user can display the member code registered in advance with the online transaction server 103 through the user terminal 102 according to the requirement of the cashier, the cashier can scan the member code through the barcode scanning gun to obtain the online identity information of the user (e.g., scan the member code ① shown in fig. 2 a), the store terminal 101 sends the obtained information to the online transaction server 103 (e.g., upload the merchandise and identity information ① shown in fig. 2 a), and the online transaction server 103 generates the transaction data for the offline merchandise purchased by the user in the physical store with the online identity of the user, and sends the generated transaction data to the store terminal 101 and the user terminal 102 (e.g., the transaction data ① shown in fig. 2 a).

Next, the store terminal 101 or the user terminal 102 may trigger the payment process using the transaction data sent by the online transaction server 103 as the transaction data to be processed. In conjunction with fig. 2a, the exemplary embodiment will be described by taking the store terminal 101 as an example to trigger the payment process.

In the payment process triggered by the store terminal 101, after receiving the to-be-processed transaction data sent by the online transaction server 103, the store terminal 101 may generate a payment request according to the online identity information of the user, the transaction number of the to-be-processed transaction data, and the to-be-paid amount, and send the payment request to the online transaction server 103 (as shown in fig. 2a, payment request ②), the online transaction server 103 receives the payment request sent by the store terminal 101, and deducts a corresponding fee (as shown in fig. 2a, a fee deduction operation ②) from a user account bound with the online identity information of the user for the to-be-processed transaction data according to the transaction number of the to-be-processed transaction data and the to-be-paid amount, where ① represents a generation stage, and ② represents a payment stage.

Alternatively, a payment result (such as payment result ② shown in fig. 2 a) may be returned to the store terminal 101 and the user terminal 102 when the online transaction server 103 deducts the corresponding fee from the user account.

In the above process, in addition to acquiring the member code of the user through the user terminal 102, the cashier may send a member code request to the online transaction server 103 through the store terminal 101 according to non-member code information (e.g., a mobile phone number) that the user can be recognized by the online transaction server 103, the member code request including the non-member code information of the user, such as a mobile phone number; then, the member code of the user returned by the online transaction server 103 is received. For the online transaction server 103, a member code request sent by the store terminal 101 is received, a member code of the user is searched according to the non-member code information of the user carried in the member code request, and the member code of the user is returned to the store terminal 101, so that the store terminal 101 can obtain the online identity information of the user through the member code.

Optionally, in an implementation manner, the member code of the user carries online identity information of the user. Therefore, in the process of scanning the member code of the user at each stage, the online identity information of the user can be directly analyzed from the member code.

Optionally, in another implementation manner, the member code of the user carries other information that the user can be identified by the online transaction server 103, for example, a user ID assigned to the user by the online transaction server 103, a mobile phone number of the user, and the like. Based on this, in the process of scanning the member code of the user at each stage, other information of the user can be analyzed from the member code, an identity information request is sent to the online transaction server 103 according to the other information of the user, the identity information request carries with the other information of the user, and then the online identity information of the user returned by the online transaction server is received.

Further, in the payment flow triggered by the store terminal 101, the store terminal 101 may present at least one payment method for selection by the user before generating the payment request. At least one payment method includes, but is not limited to: bank card, credit card, cash, associated account, etc. When the user selects the payment method to be used from at least one payment method, the selection operation of the payment method can be triggered by a cashier or the user. The store terminal 101 determines the selected payment method in response to the selection operation of the payment method. When the selected payment method is the first payment method, the store terminal 101 is triggered to generate a payment request and follow-up operation. The first payment method is a method of making payment through a user account bound with the online identity information of the user (which may be referred to as an associated account payment method for short).

In the exemplary embodiment shown in fig. 2a, online and offline transactions can be opened from the whole process of order generation and payment, so that online and offline comprehensive combination is realized, online advantages, such as advantages of being convenient to check and manage online orders, advantages of being convenient to pay and the like, can be fully utilized, convenience of offline transactions in management, maintenance, payment and the like can be driven, competitiveness of physical stores in the e-commerce environment is improved, and development of physical stores is promoted.

It should be noted that the transaction data processing system 100 of the present embodiment may support other payment methods besides the payment method of the associated account. Several are listed below:

the payment mode of the bank card is as follows: the user may make payments using various bank cards. The bank card used by the user for payment may be a normal deposit card, union pay card or credit card, etc. Optionally, the external device of the store terminal 101 includes a card swiping machine, and the cashier can deduct the total transaction amount corresponding to the transaction data from the bank card of the user through the card swiping machine. The fee deducted from the bank card of the user is transferred to the merchant account corresponding to the physical store. The store terminal 101 receives the payment-deducting success notification after the payment deduction is successful, and then can print transaction data for the user, for example, print an order receipt for the user.

And (3) cash payment mode: the user may make the payment using cash. The cashier can tell the user what the total amount of the transaction is, or the user can check the total amount of the transaction related to the transaction data through the terminal of the user, and then cash with corresponding amount is given to the cashier.

In an exemplary embodiment, the cashier receives the cash of the user as the income of the corresponding merchant of the physical store, and sends a payment success notification to the store terminal 101. After the store terminal 101 receives the payment success notification, the transaction data may be printed for the user.

In another exemplary embodiment, the cashier receives the user's cash as his/her own income and issues a payment success notification to the store terminal 101. The store terminal 101 informs the online transaction server 103 to deduct the total transaction amount from the account bound by the cashier in advance and transfer the transaction amount to the merchant account corresponding to the physical store. When the online transaction server 103 deducts money from the account previously bound by the cashier, a message of money deduction success is returned to the store terminal 101. After receiving the message of successful deduction, the store terminal 101 can print transaction data for the user.

The combined payment mode is as follows: the combined payment methods can be further divided into: the combination mode of cash and a bank card, the combination mode of cash and an associated account number, and the combination mode of cash, a bank card and an associated account number. In the combination manner, the payment flow of each payment manner is still independent, which can be referred to the foregoing embodiment, and is not described herein again.

Optionally, in the above embodiment, the store terminal 101 may further receive the product price synchronization information sent by the product center, and adjust the price of the offline product that the user purchases in the physical store in real time. In addition, the commodity center synchronizes the price of the corresponding commodity to the online server 103.

Alternatively, in the above-described embodiment, the store terminal 101 may also perform sales processing on the products in the physical store according to the information of the offline products that the user has bought in the physical store. For example, the store terminal 101 may send a stock-selling request to the commodity center, where the stock-selling request carries the name and the number of the offline commodities selected by the user, so that the commodity center updates the stock of the corresponding commodities, so as to timely stock and/or update the shelves, and the like.

Alternatively, in one application scenario, the store terminal 101 and the online transaction server 103 may belong to the same merchant. Based on this, in the interaction process of the store terminal 101 and the online server 103, the store terminal 101 may interact with the online transaction server 103 by itself.

In another application scenario, the store terminal 101 and the online transaction server 103 may belong to different merchants. Based on this, in the interaction process of the store terminal 101 and the online server 103, the store terminal 101 may interact with the online transaction server 103 through the store server. The system in this application scenario is schematically illustrated in fig. 2 b. In the system shown in fig. 2b, the store terminal 101 is connected to the online transaction server 103 via the store server 104 via a network.

In the embodiment of the application, after the store terminal acquires the identity information of the user, the identity information and the commodity information can be sent to the online transaction server through the network according to the preset network access address, and the specific transmission mode and the mode for acquiring the online transaction server are not specifically limited.

The following embodiments will describe the flow of the transaction data processing method provided by the embodiments of the present application from the perspective of a store terminal or a user terminal and an online transaction server, respectively.

Fig. 3 is a flowchart illustrating a transaction data processing method according to another exemplary embodiment of the present application. The method is mainly described from the point of view of a store terminal or a user terminal. As shown in fig. 3, the method includes:

301. and acquiring to-be-processed transaction data, wherein the to-be-processed transaction data is generated by aiming at off-line commodities purchased by a user in a physical store by using on-line identity information on an on-line transaction server of the user.

302. And generating a payment request according to the online identity information, the transaction number of the transaction data to be processed and the amount to be paid.

303. And sending the payment request to the online transaction server so that the online transaction server deducts corresponding fees from the user account bound with the online identity information according to the to-be-processed transaction data.

In this embodiment, the to-be-processed transaction data refers to transaction data generated by using the online identity information of the user for the offline commodities purchased by the user in the physical store. The pending transaction data may be generated in, but is not limited to, the following ways:

the online trading method comprises the steps that an online store terminal acquires information of offline commodities bought by a user in an entity store and online identity information of the user, the information of the offline commodities bought by the user in the entity store and the online identity information of the user are sent to an online trading server, the online trading server generates trading data for the offline commodities according to the online identity of the user and returns the trading data, and then the store terminal and the user terminal receive the trading data issued by the online trading server and serve as to-be-processed trading data. In any generation mode, the transaction data generated by the online identity information of the user aiming at the commodities purchased by the user in the physical store can be used as a transaction data payment stage for payment processing.

The online identity information of the user is information which is registered on the online transaction server by the user and used for identifying the identity of the user, and may be, for example, a mobile phone number and an identity card number of the user or may be identification information which is uniquely allocated to the user by the online transaction server. For the user, online transaction (such as online shopping, online payment and the like) can be carried out through the online transaction server based on the online identity information of the user, and online synchronization of offline transaction data can be realized through the online transaction server based on the online identity information of the user. For the online transaction server, the online transaction data of the user can be managed through the online identity information of the user, and the transaction data of the user in the physical store can be managed or synchronized.

In this embodiment, the payment operation for the transaction data to be processed may be triggered by the store terminal or may be triggered by the user terminal. First, pending transaction data is acquired. And then, generating a payment request according to the online identity information of the user, the transaction number of the transaction data to be processed and the amount to be paid, and sending the payment request to an online transaction server so that the online transaction server deducts corresponding fees from a user account bound with the online identity information of the user for the transaction data to be processed. The amount to be paid is less than or equal to the total transaction amount related to the transaction data to be processed, and the specific value can be flexibly determined according to specific situations.

In some exemplary embodiments, before generating the payment request, a membership code previously registered by the user with the online transaction server is scanned to acquire online identity information of the user.

In some exemplary embodiments, at least one payment method is presented prior to scanning the user's membership code; responding to the selection operation of the payment mode, and determining that the selected payment mode is a first payment mode; and the first payment mode is a mode of payment through a user account bound with the online identity information.

In some exemplary embodiments, before scanning the member code of the user, a member code request may be sent to the online transaction server, where the member code request carries non-member code information of the user, so as to request the member code of the user from the online transaction server through the non-member code information; and receiving the member code of the user returned by the online transaction server according to the non-member code information.

In some exemplary embodiments, generating the payment request comprises: displaying an information page corresponding to the transaction data to be processed, wherein the information page comprises a payment control; and responding to the triggering operation aiming at the payment control, and generating a payment request according to the online identity information of the user, the transaction number of the transaction data to be processed and the amount to be paid.

In some exemplary embodiments, generating the payment request comprises: calculating the amount to be paid according to the online price of the offline commodity purchased by the user in the physical store on the online transaction server; and generating a payment request according to the on-line identity information of the user, the transaction number of the transaction data to be processed and the amount to be paid.

In some exemplary embodiments, calculating the outstanding amount includes: sending a discount strategy request to an online transaction server, wherein the discount strategy request comprises online identity information of a user; receiving an online preferential strategy which can be enjoyed by the user and is returned by the online transaction server according to the online identity information of the user; and calculating the amount to be paid according to the online discount strategy and the online price of the offline commodity bought by the user in the physical store.

In some exemplary embodiments, calculating the outstanding amount includes: determining the transaction total amount of the transaction data to be processed according to the online discount strategy, the online price of the offline commodity and the quantity of the commodity; and determining the amount to be paid according to the amount which can be paid by other payment modes and the total transaction amount, wherein the other payment modes are payment modes except payment through the user account bound with the online identity information.

In some exemplary embodiments, prior to calculating the amount to be paid based on the online price of the offline item, a price request may be sent to the online transaction server, the price request including an identification of the offline item; and receiving the online price of the offline commodity returned by the online transaction server according to the identifier of the offline commodity.

In some exemplary embodiments, generating the payment request comprises: sending an account request to an online transaction server, the account request including online identity information; receiving a user account which is bound with the online identity information and returned by the online transaction server; and generating a payment request according to the user account, the transaction number of the transaction data to be processed and the amount to be paid.

Fig. 4a is a schematic flow chart of another transaction data processing method according to another exemplary embodiment of the present application. The method is described mainly from the point of view of an online transaction server. As shown in fig. 4a, the method comprises:

401. and receiving a payment request sent by a store terminal or a user terminal, wherein the payment request is generated according to the online identity information of the user on the online transaction server, the transaction number of the transaction data to be processed and the amount to be paid.

402. According to the transaction number and the amount to be paid, deducting corresponding fees from a user account bound with the online identity information aiming at the transaction data to be processed; wherein the to-be-processed transaction data is generated for an offline commodity bought by the user at a physical store with the online identity information.

In this embodiment, a payment request sent by a store terminal or a user terminal is received, and it is determined that a payment operation needs to be performed for the to-be-processed transaction data according to the payment request, so that a corresponding fee is deducted from a user account bound with the online identity information of the user for the to-be-processed transaction data according to a transaction number and a to-be-paid amount of the to-be-processed transaction data. And transferring the fee deducted from the user account into a merchant account corresponding to the physical store.

In some exemplary embodiments, before receiving the payment request sent by the store terminal, a member code request sent by the store terminal may be received, where the member code request carries non-member code information of the user; and returning the member code of the user to the store terminal according to the non-member code information.

In some exemplary embodiments, before receiving a payment request sent by a store terminal or a user terminal, a benefit policy request sent by the store terminal or the user terminal may be received, the benefit policy request including online identity information of a user; acquiring an online preferential strategy which can be enjoyed by a user according to online identity information of the user; and returning the online preferential strategy which can be enjoyed by the user to the store terminal or the user terminal.

In some exemplary embodiments, before receiving a payment request transmitted by a store terminal or a user terminal, a price request transmitted by the store terminal or the user terminal may be received, the price request including an identification of an offline item; acquiring the online price of the offline commodity according to the identifier of the offline commodity; and returning the online price of the offline commodity to the store terminal or the user terminal.

In some exemplary embodiments, prior to receiving a payment request sent by a store terminal or a user terminal, an account request sent by the store terminal or the user terminal may be received, the account request including online identity information of the user; acquiring a user account bound with the online identity information according to the online identity information of the user; and returning the user account to the store terminal or the user terminal so that the store terminal or the user terminal can generate a payment request.

In some exemplary embodiments, the payment result may be returned to the store terminal as well as the user terminal after deducting the corresponding fee from the user account bound with the online identity information. The payment result can be a successful payment result or a failed payment result.

It should be noted that the execution subjects of the steps of the methods provided in the above embodiments may be the same device, or different devices may be used as the execution subjects of the methods. For example, the execution subjects of steps 301 to 303 may be device a; for another example, the execution subject of steps 301 and 302 may be device a, and the execution subject of step 303 may be device B; and so on.

In addition, in some of the flows described in the above embodiments and the drawings, a plurality of operations are included in a specific order, but it should be clearly understood that the operations may be executed out of the order presented herein or in parallel, and the sequence numbers of the operations, such as 301, 302, etc., are merely used for distinguishing different operations, and the sequence numbers do not represent any execution order per se. Additionally, the flows may include more or fewer operations, and the operations may be performed sequentially or in parallel. It should be noted that, the descriptions of "first", "second", etc. in this document are used for distinguishing different messages, devices, modules, etc., and do not represent a sequential order, nor limit the types of "first" and "second" to be different.

Fig. 4b is a schematic flow chart of another transaction data processing method according to another exemplary embodiment of the present application. The method can be implemented based on the system shown in fig. 1 or fig. 2b, and is mainly described from the point of view of a store terminal. As shown in fig. 4b, the method comprises:

41. and acquiring to-be-processed transaction data, wherein the to-be-processed transaction data is generated by aiming at off-line commodities purchased by a user in a physical store by using on-line identity information on an on-line transaction server of the user.

42. And carrying out payment processing on the transaction data to be processed.

In this embodiment, the store terminal obtains to-be-processed transaction data generated for an off-line commodity purchased by the user at the physical store by using the on-line identity information of the user on the on-line transaction server, and performs payment processing for the to-be-processed transaction data. In this embodiment, the identity information registered online by the user can be associated with the offline transaction and communicated with the offline transaction, so that the online transaction and the offline transaction can be unified conveniently, the competitiveness of the offline entity store is improved, and the experience of offline shopping is also improved.

In an exemplary embodiment, the store terminal may present at least one payment method to the user or cashier for the user to select a payment method to use from before payment processing is performed on the transaction data to be processed. Optionally, the at least one payment method includes, but is not limited to: bank card, credit card, cash, third party payment, automatic payment, etc. When the user selects the payment method to be used from at least one payment method, the selection operation of the payment method can be triggered by a cashier or the user. The store terminal determines a target payment method to be selected for use in response to a selection operation of the payment method.

The payment processing process of the store terminal for the transaction data to be processed is different based on different target payment modes. The following examples illustrate:

for example, the target payment method is a third party payment method. The third party payment method is a payment method for deducting corresponding fees from a user account bound with the online identity information of the user by a third party (such as an online transaction server). In step 42, the store terminal may generate a payment request according to the online identity information of the user, the transaction number of the transaction data to be processed, and the amount to be paid, in case that the user selects to use the third party payment method for payment; and sending the payment request to an online transaction server so that the online transaction server deducts corresponding cost from a user account bound with the online identity information of the user for the transaction data to be processed. And transferring the fee deducted from the user account into a merchant account corresponding to the physical store. Optionally, the store terminal may further receive a payment result issued by the online transaction server.

As another example, the targeted payment method is an automated payment method. The automatic payment mode is a payment mode that the online transaction server automatically deducts fees from a user account bound with the online identity information of the user or automatically triggers the user terminal to deduct fees from the user account. Under the condition that the user selects an automatic payment mode to pay, the online transaction server actively deducts corresponding fee (namely the amount to be paid) from a user account (such as a Paibao account number) bound with the online identity information of the user, and the fee can be deducted automatically in a background in the deduction process without other operations of the user; or, the online transaction server informs the user of completing the payment operation on the APP through the APP (such as a tianmao, a naughty, etc.) installed on the user terminal (such as a mobile phone); or the online transaction server prompts the user to pay through a payment APP (e.g., a payment bank) installed on the user terminal and corresponding to the user account, and the specific manner is not limited. In the automatic payment mode, after the online transaction server or the user terminal completes the fee deduction operation, a payment result can be returned to the store terminal so that the store terminal can pay the transaction data to be processed. Based on this, in step 42, the store terminal may receive the payment result sent by the user terminal or the online transaction server; and carrying out payment processing on the transaction data to be processed according to the payment result. For example, payment results, printed transaction tickets, etc. may be saved.

In addition to the above examples, the user may also select other payment means such as a bank card, credit card, or cash.

In this description, no matter which payment method is selected by the user, the detailed payment process can be referred to the related description in the foregoing embodiments, and is not described herein again.

In a specific application scene, a user A registers an account C on an e-commerce server B of an e-commerce website, the user A can log in the website provided by the e-commerce server B to carry out shopping transaction, and the e-commerce server B can record transaction data of the user A;

meanwhile, when the user a purchases a next physical store D online and when the physical store D purchases a commodity for transaction, a clerk in the physical store D may scan the commodity purchased by the user a by using the POS machine E to obtain commodity information, and obtain the identity information of the user by scanning a member code displayed by the physical store D (the member code may be an application APP provided by a provider server B installed on a mobile phone of the user a, and the APP may provide the member code for the user a, and the member code may be an account number of the user, or a string of numbers or other identifiers corresponding to the account number C of the user, which is referred to as a string of numbers here), and obtain the identity information of the user (the member code may represent the identity information of the user because it uniquely corresponds to the account number).

The POS machine E obtains the commodity information purchased by the user A and the identity information of the user, namely the member code, and then the information can be sent to the electronic business server B, and the electronic business server B can generate transaction data, specifically an order, based on the member code and the commodity information, and can return the order to the POS machine, so that the POS machine can carry out payment operations such as charging and the like on the user A based on the order.

The POS E may provide different payment options for the user a based on the returned order, and may have a cash payment option, a bank card payment option, a third party payment option (e.g., a pay-for-treasure payment option), and an automatic payment option. The automatic payment option refers to that the e-commerce server B can deduct the cost required to be paid by the user for the current order from a payment account (such as a Paibao account) associated with the account of the user actively, and the fee can be deducted automatically in a background in the deduction process without other operations of the user; or the e-commerce server B informs the user of completing payment operation on the APP through the APP installed on the mobile phone of the user A; or the e-commerce server B notifies the user a of the payment APP of the corresponding payment account to prompt the user a to pay, and the specific manner is not limited.

Yet another exemplary embodiment of the present application provides a terminal device, which may be implemented as a store terminal or a user terminal. The terminal device includes: a memory, a processor, and a communication component;

the memory for storing a computer program;

the processor, coupled with the memory, to execute the computer program to:

Yet another exemplary embodiment of the present application provides a third party server, including: a memory, a processor, and a communications component;

the memory for storing a computer program;

the processor, coupled with the processor, to execute the computer program to:

For the detailed functions of the terminal device and the server, reference may be made to the related descriptions in the foregoing method embodiments, and for other implementation structures of the terminal device and the server, reference may be made to the related descriptions in the following similar embodiments, which are not described herein again.

Fig. 5a is a schematic structural diagram of a transaction data processing device according to another exemplary embodiment of the present application. As shown in fig. 5a, the apparatus comprises: an acquisition module 51, a generation module 52 and a transmission module 53.

The acquiring module 51 is configured to acquire to-be-processed transaction data, where the to-be-processed transaction data is generated by using online identity information of a user on an online transaction server for an offline commodity that the user purchases in a physical store.

The generating module 52 is configured to generate a payment request according to the online identity information of the user, the transaction number of the transaction data to be processed, and the amount to be paid.

And the sending module 53 is configured to send the payment request to the online transaction server, so that the online transaction server deducts a corresponding fee from the user account bound with the online identity information of the user for the transaction data to be processed.

In some exemplary embodiments, the transaction data processing apparatus further comprises: and a scanning module.

And a scanning module, configured to scan a member code that is registered by the user with the online transaction server in advance before the generation module 52 generates the payment request, so as to obtain online identity information of the user and provide the online identity information to the generation module 52.

In some exemplary embodiments, the transaction data processing apparatus further comprises: the device comprises a display module and a determination module.

And the display module is used for displaying at least one payment mode before the scanning module scans the member codes registered by the user to the online transaction server in advance. Correspondingly, the determining module is used for responding to the selection operation of the payment mode and determining that the selected payment mode is the first payment mode. The first payment mode is a mode of payment through a user account bound with the online identity information of the user.

In some exemplary embodiments, the transaction data processing apparatus further comprises: and a receiving module.

Wherein, the sending module 53 is further configured to: and sending a member code request to the online transaction server, wherein the member code request carries non-member code information of the user. Based on the information, the receiving module is used for receiving the member code of the user returned by the online transaction server according to the non-member code information.

In some exemplary embodiments, the generation module 52 is specifically configured to: displaying an information page corresponding to the transaction data to be processed, wherein the information page comprises a payment control; and responding to the triggering operation aiming at the payment control, and generating a payment request according to the online identity information of the user, the transaction number of the transaction data to be processed and the amount to be paid.

In some exemplary embodiments, the generation module 52 is specifically configured to: calculating the amount to be paid according to the online price of the offline commodity on the online transaction server; and generating a payment request according to the on-line identity information of the user, the transaction number of the transaction data to be processed and the amount to be paid.

In some exemplary embodiments, the generating module 52, when calculating the amount to be paid, is specifically configured to: sending a discount strategy request to an online transaction server, wherein the discount strategy request comprises online identity information of a user; receiving an online preferential strategy which can be enjoyed by the user and is returned by the online transaction server according to the online identity information of the user; and calculating the amount to be paid according to the online discount strategy and the online price of the offline commodity.

In some exemplary embodiments, the generating module 52, when calculating the amount to be paid, is specifically configured to: determining the transaction total amount of the transaction data to be processed according to the online discount strategy, the online price of the offline commodity and the quantity of the commodity; and determining the amount to be paid according to the amount which can be paid by other payment modes and the total transaction amount, wherein the other payment modes are payment modes except payment through the user account number bound with the online identity information of the user.

In some exemplary embodiments, the sending module 53 is further configured to: a price request is sent to the online transaction server, the price request including an identification of the offline item. Correspondingly, the receiving module is further configured to: the online price of the offline item returned by the online transaction server according to the identifier of the offline item is received and provided to the generation module 52.

Having described the internal functions and structure of the transaction data processing device, as shown in fig. 5b, in practice, the transaction data processing device may be implemented as a terminal device, including: memory 502, processor 501, and communication component 503.

A memory 502 for storing a computer program. In addition, the memory 502 may be configured to store other various data to support operations on the terminal device. Examples of such data include instructions for any application or method operating on the terminal device, phonebook data, messages, pictures, videos, etc.

The memory 502 may be implemented by any type or combination of volatile or non-volatile storage media, such as Static Random Access Memory (SRAM), electrically erasable programmable read-only memory (EEPROM), erasable programmable read-only memory (EPROM), programmable read-only memory (PROM), read-only memory (ROM), magnetic memory, flash memory, magnetic or optical disks.

The processor 501 is coupled to the memory 502 for executing computer programs in the memory 502 for:

generating a payment request according to the on-line identity information of the user, the transaction number of the transaction data to be processed and the amount to be paid;

sending the payment request to the online transaction server through the communication component 503, so that the online transaction server deducts corresponding fees from the user account bound with the online identity information of the user for the transaction data to be processed;

a communication component 503 for sending the payment request to an online transaction server.

In some exemplary embodiments, the communication component 503 is further configured to: and after the payment request is sent to the online transaction server, receiving a payment result issued by the online transaction server. Accordingly, the processor 501 is further configured to: when the payment result received by the communication component 503 is successful, the details of the transaction data to be processed are printed.

In some exemplary embodiments, the processor 501 is further configured to: before generating a payment request, a member code which is registered by a user with an online transaction server in advance is scanned to acquire online identity information of the user.

In some exemplary embodiments, the terminal device further includes: a display 504. Based on this, the processor 501 is further configured to: before the scanning module scans the membership code which is registered by the user with the online transaction server in advance, at least one payment mode is displayed through the display 504; and responding to the selection operation of the payment mode, and determining that the selected payment mode is the first payment mode. The first payment mode is a mode of payment through a user account bound with the online identity information of the user.

In some exemplary embodiments, the processor 501 is further configured to: sending a member code request to the online transaction server through the communication component 503, the member code request carrying non-member code information of the user; and receives the member code of the user returned by the online transaction server according to the non-member code information through the communication component 503. Accordingly, the communication component 503 is further configured to: sending a member code request to the online transaction server, and receiving the member code of the user returned by the online transaction server.

In some exemplary embodiments, the processor 501 is specifically configured to: an information page corresponding to the transaction data to be processed is displayed through the display 504, and the information page comprises a payment control; and responding to the triggering operation aiming at the payment control, and generating a payment request according to the online identity information of the user, the transaction number of the transaction data to be processed and the amount to be paid.

In some exemplary embodiments, the processor 501 is specifically configured to: calculating the amount to be paid according to the online price of the offline commodity on the online transaction server; and generating a payment request according to the on-line identity information of the user, the transaction number of the transaction data to be processed and the amount to be paid.

In some exemplary embodiments, the processor 501, when calculating the amount to be paid, is specifically configured to: sending a coupon policy request to an online transaction server via a communication component 503, the coupon policy request including online identity information of the user; receiving an online privilege policy which the online transaction server returns according to the online identity information of the user and can be enjoyed by the user through a communication component 503; and calculating the amount to be paid according to the online discount strategy and the online price of the offline commodity. Accordingly, the communication component 503 is further configured to: sending a discount strategy request to the online trading server, and receiving the online discount strategy which is returned by the online trading server and can be enjoyed by the user.

In some exemplary embodiments, the processor 501 is specifically configured to: determining the transaction total amount of the transaction data to be processed according to the online discount strategy, the online price of the offline commodity and the quantity of the commodity; and determining the amount to be paid according to the amount which can be paid by other payment modes and the total transaction amount, wherein the other payment modes are payment modes except payment through the user account number bound with the online identity information of the user.

In some exemplary embodiments, the processor 501 is further configured to: sending a price request to the online transaction server via the communication component 503, the price request including an identification of the offline item; the online price of the offline item returned by the online trading server based on the identification of the offline item is received through the communication component 503. Accordingly, the communication component 503 is further configured to: sending a price request to an online trading server, and receiving the online price of the offline commodity returned by the online trading server.

In some exemplary embodiments, the processor 501 is specifically configured to: sending an account request to the online transaction server via the communication component 503, the account request including online identity information of the user; receiving a user account bound with the online identity information of the user returned by the online transaction server through the communication component 503; and generating a payment request according to the user account, the transaction number of the transaction data to be processed and the amount to be paid. Accordingly, the communication component 503 is further configured to: sending an account request to an online transaction server, and receiving a user account which is returned by the online transaction server and is bound with the online identity information of the user.

In some exemplary embodiments, the processor 501 is specifically configured to: obtaining information of off-line commodities and on-line identity information for identifying an on-line identity of a user; the online trading server sends online identity information of the user and information of the offline commodities to the online trading server through the communication component 503, and sends the online identity information of the user and the information of the offline commodities to the online trading server, so that the online trading server generates trading data for the offline commodities according to the online identity of the user; and receiving the transaction data issued by the online transaction server as the transaction data to be processed through the communication component 503. Accordingly, the communication component 503 is further configured to: and sending the online identity information of the user and the information of the offline commodities to an online trading server, and receiving trading data issued by the online trading server.

Further, as shown in fig. 5b, the terminal device further includes: power component 505, audio component 506, and the like. Only some of the components are schematically shown in fig. 5b, and the terminal device is not meant to include only the components shown in fig. 5 b.

Accordingly, an embodiment of the present application further provides a computer-readable storage medium storing a computer program, where the computer program, when executed by a computer, can implement the steps or operations related to the store terminal or the user terminal in the transaction data payment phase provided in the foregoing method embodiment, and are not described herein again.

Fig. 6a is a schematic structural diagram of another transaction data processing device according to another exemplary embodiment of the present application. As shown in fig. 6a, the apparatus comprises: a receiving module 61 and a deducting module 62.

The receiving module 61 is configured to receive a payment request sent by a store terminal or a user terminal, where the payment request is generated according to online identity information of a user on an online transaction server, a transaction number of transaction data to be processed, and a to-be-paid amount.

And the deduction module 62 is configured to deduct, according to the transaction number and the amount to be paid, a corresponding fee from the user account bound to the online identity information of the user for the transaction data to be processed.

The to-be-processed transaction data is generated by aiming at off-line commodities bought by the user in the physical store according to the on-line identity information of the user.

In an exemplary embodiment, the transaction data processing apparatus further comprises: and the sending module is used for returning a payment result to the store terminal and the user terminal after the deduction module deducts the corresponding fee from the user account.

In an exemplary embodiment, the receiving module 61 is further configured to: and before receiving the payment request sent by the store terminal, receiving a member code request sent by the store terminal, wherein the member code request carries non-member code information of the user. Correspondingly, the sending module is further configured to: and returning the member code of the user to the store terminal according to the non-member code information.

In an exemplary embodiment, the transaction data processing apparatus further comprises: and a processing module.

The receiving module 61 is further configured to: before receiving a payment request sent by a store terminal or a user terminal, receiving a preferential policy request sent by the store terminal or the user terminal, wherein the preferential policy request comprises online identity information of a user. And the processing module is used for acquiring the online preferential strategy which can be enjoyed by the user according to the online identity information of the user. Correspondingly, the sending module is further configured to: and returning the online preferential strategy which can be enjoyed by the user to the store terminal or the user terminal.

In an exemplary embodiment, the receiving module 61 is further configured to: and before receiving a payment request sent by the store terminal or the user terminal, receiving a price request sent by the store terminal or the user terminal, wherein the price request comprises the identification of the offline commodity. The processing module is further configured to: and acquiring the online price of the offline commodity according to the identifier of the offline commodity. Correspondingly, the sending module is further configured to: and returning the online price of the offline commodity to the store terminal or the user terminal.

In an exemplary embodiment, the receiving module 61 is further configured to: before receiving a payment request sent by a store terminal or a user terminal, receiving an account request sent by the store terminal or the user terminal, wherein the account request comprises online identity information of a user. The processing module is further configured to: and acquiring a user account bound with the online identity information of the user according to the online identity information of the user. Correspondingly, the sending module is further configured to: and returning the user account to the store terminal or the user terminal so that the store terminal or the user terminal can generate a payment request.

Having described the internal functions and structure of the transaction data processing device, as shown in fig. 6b, in practice, the transaction data processing device may be implemented as an online transaction server, including: memory 602, processor 601, and communication component 603.

A memory 602 for storing a computer program. In addition, the memory 602 may be configured to store other various data to support operations on an online transaction server. Examples of such data include instructions for any application or method operating on the online transaction server, phonebook data, messages, pictures, videos, and the like.

The memory 602 may be implemented by any type or combination of volatile or non-volatile storage media, such as Static Random Access Memory (SRAM), electrically erasable programmable read-only memory (EEPROM), erasable programmable read-only memory (EPROM), programmable read-only memory (PROM), read-only memory (ROM), magnetic memory, flash memory, magnetic or optical disks.

The processor 601 is coupled to the memory 602 for executing the computer programs in the memory 602 for:

receiving a payment request sent by a store terminal or a user terminal through a communication component 603, wherein the payment request is generated according to online identity information of a user on an online transaction server, a transaction number of transaction data to be processed and an amount to be paid;

according to the transaction number and the amount to be paid, corresponding fees are deducted from a user account bound with the online identity information of the user aiming at the transaction data to be processed;

In an exemplary embodiment, the processor 601 is further configured to: after deducting the corresponding fee from the user account, the payment result is returned to the store terminal and the user's terminal via the communication component 603.

In an exemplary embodiment, the processor 601 is further configured to: receiving a member code request sent by a store terminal through a communication component 603, wherein the member code request carries non-member code information of a user; and returns the member code of the user to the store terminal according to the non-member code information through the communication component 603. Accordingly, the communication component 603 is further configured to: receiving a member code request sent by the store terminal, and returning the member code of the user to the store terminal.

In an exemplary embodiment, the processor 601 is further configured to: receiving a preference policy request sent by a store terminal or a user terminal through a communication component 603, wherein the preference policy request comprises online identity information of a user; acquiring an online preferential strategy which can be enjoyed by a user according to online identity information of the user; and return the online coupon policies that the user can enjoy to the store terminal or the user terminal through the communication component 603. Accordingly, the communication component 603 is further configured to: receiving a discount strategy request sent by the store terminal or the user terminal, and returning an online discount strategy which can be enjoyed by the user to the store terminal or the user terminal.

In an exemplary embodiment, the processor 601 is further configured to: receiving a price request sent by a store terminal or a user terminal through the communication component 603, wherein the price request comprises an identification of an offline commodity; acquiring the online price of the offline commodity according to the identifier of the offline commodity; and returns the online price of the offline good to the store terminal or the user terminal through the communication component 603. Accordingly, the communication component 603 is further configured to: and receiving a price request sent by the store terminal or the user terminal, and returning the online price of the offline commodity to the store terminal or the user terminal.

In an exemplary embodiment, the processor 601 is further configured to: receiving an account request sent by a store terminal or a user terminal through the communication component 603, wherein the account request comprises online identity information of the user; acquiring a user account bound with the online identity information of the user according to the online identity information of the user; and returning the user account to the store terminal or the user terminal so that the store terminal or the user terminal can generate a payment request. Accordingly, the communication component 603 is further configured to: and receiving an account request sent by the store terminal or the user terminal, and returning the user account to the store terminal or the user terminal.

Further, as shown in fig. 6b, the online transaction server further includes: display 604, power component 605, audio component 606, and other components. Only some of the components are schematically shown in fig. 6b, and it is not meant that the online transaction server only includes the components shown in fig. 6 b.

Accordingly, an embodiment of the present application further provides a computer-readable storage medium storing a computer program, where the computer program, when executed by a computer, can implement the steps or operations related to the online transaction server in the transaction data payment phase provided in the foregoing method embodiment, and are not described herein again.

Fig. 7 is a schematic structural diagram of another terminal device according to another exemplary embodiment of the present application. As shown in fig. 7, the terminal device includes: a memory 701 and a processor 702.

A memory 701 for storing a computer program. In addition, memory 701 may be configured to store various other data to support operations on an online transaction server. Examples of such data include instructions for any application or method operating on the online transaction server, phonebook data, messages, pictures, videos, and the like.

The memory 701 may be implemented by any type or combination of volatile or non-volatile storage media, such as Static Random Access Memory (SRAM), electrically erasable programmable read-only memory (EEPROM), erasable programmable read-only memory (EPROM), programmable read-only memory (PROM), read-only memory (ROM), magnetic memory, flash memory, magnetic or optical disks.

The processor 702 is coupled to the memory 701 for executing the computer program in the memory 701 for:

and carrying out payment processing on the transaction data to be processed.

In an exemplary embodiment, as shown in fig. 7, the terminal device further includes a communication component 703 and a display 704. Based thereon, the processor 702 may present at least one payment method to the user or cashier via the display 704 for the user to select a payment method to use from before payment processing for the pending transaction data. Optionally, the at least one payment method includes, but is not limited to: bank card, credit card, cash, third party payment, automatic payment, etc. When the user selects the payment method to be used from at least one payment method, the selection operation of the payment method can be triggered by a cashier or the user. The processor 702 may determine a target payment method to select for use in response to a selection operation of a payment method.

for example, the target payment method is a third party payment method. The third party payment method is a payment method for deducting corresponding fees from a user account bound with the online identity information of the user by a third party (such as an online transaction server). In a case where the user selects to use the third party payment method for payment, the processor 702 is specifically configured to: generating a payment request according to the on-line identity information of the user, the transaction number of the transaction data to be processed and the amount to be paid; the payment request is sent to the online transaction server through the communication component 703, so that the online transaction server deducts a corresponding fee from the user account bound with the online identity information of the user for the transaction data to be processed. And transferring the fee deducted from the user account into a merchant account corresponding to the physical store. Optionally, the processor 702 is further configured to receive a payment result issued by the online transaction server through the communication component 703. The communication component 703 is configured to send a payment request to the online transaction server, and receive a payment result sent by the online transaction server.

As another example, the targeted payment method is an automated payment method. The automatic payment mode is a payment mode that the online transaction server automatically deducts fees from a user account bound with the online identity information of the user or automatically triggers the user terminal to deduct fees from the user account. Under the condition that the user selects the automatic payment mode to pay, the online transaction server or the user terminal can return a payment result to the terminal equipment after the fee deduction operation is finished, so that the terminal equipment can pay the transaction data to be processed. Based on this, the processor 702 may be specifically configured to: receiving a payment result sent by a user terminal or an online transaction server through a communication component 703; and carrying out payment processing on the transaction data to be processed according to the payment result. For example, payment results, printed transaction tickets, etc. may be saved. The communication component 703 is further configured to: and receiving a payment result sent by the user terminal or the online transaction server.

In addition to the above examples, the user may also select other payment means such as a bank card, credit card, or cash. No matter which payment method is selected by the user, the detailed payment process can be referred to the related description in the foregoing embodiments, and details are not repeated herein.

Further, as shown in fig. 7, the online transaction server further includes: power component 705, audio component 706, and other components. Only some of the components are schematically shown in fig. 7, and it is not meant that the online transaction server includes only the components shown in fig. 7.

In this embodiment, the identity information registered online by the user can be associated with the offline transaction and communicated with the offline transaction, so that the online transaction and the offline transaction can be unified conveniently, the competitiveness of the offline entity store is improved, and the experience of offline shopping is also improved.

Accordingly, an embodiment of the present application further provides a computer-readable storage medium storing a computer program, where the computer program, when executed by a computer, can implement the steps or operations in the method embodiment shown in fig. 4b, and details are not repeated herein.

The communication components of fig. 5b, 6b, and 7 may be configured to facilitate wired or wireless communication between the device to which the communication component belongs and other devices. The device to which the communication component belongs may access a wireless network based on a communication standard, such as WiFi, 2G or 3G, or a combination thereof. In an exemplary embodiment, the communication component receives a broadcast signal or broadcast related information from an external broadcast management system via a broadcast channel. In one exemplary embodiment, the communication component further includes a Near Field Communication (NFC) module to facilitate short-range communications. For example, the NFC module may be implemented based on Radio Frequency Identification (RFID) technology, infrared data association (IrDA) technology, Ultra Wideband (UWB) technology, Bluetooth (BT) technology, and other technologies.

The displays of fig. 5b, fig. 6b and fig. 7 may include a screen, which may include a Liquid Crystal Display (LCD) and a Touch Panel (TP). If the screen includes a touch panel, the screen may be implemented as a touch screen to receive an input signal from a user. The touch panel includes one or more touch sensors to sense touch, slide, and gestures on the touch panel. The touch sensor may not only sense the boundary of a touch or slide action, but also detect the duration and pressure associated with the touch or slide operation.

The power supply components of fig. 5b, 6b and 7 described above provide power to the various components of the device to which the power supply component belongs. The power components may include a power management system, one or more power supplies, and other components associated with generating, managing, and distributing power for the devices to which the power components belong.

The audio component of fig. 5b, 6b and 7 described above, is configured to output and/or input an audio signal. For example, the audio component includes a Microphone (MIC) configured to receive an external audio signal when the device to which the audio component belongs is in an operating mode, such as a call mode, a recording mode, and a voice recognition mode. The received audio signal may further be stored in a memory or transmitted via a communication component. In some embodiments, the audio assembly further comprises a speaker for outputting audio signals.

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, CD-ROM, 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.

In a typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.

The memory may include forms of volatile memory in a computer readable medium, Random Access Memory (RAM) and/or non-volatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). Memory is an example of a computer-readable medium.

Computer-readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transmission medium that can be used to store information that can be accessed by a computing device. As defined herein, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.

It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.

The above description is only an example of the present application and is not intended to limit the present application. Various modifications and changes may occur to those skilled in the art. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present application should be included in the scope of the claims of the present application.

Claims

1. A transaction data processing method, comprising:

2. A transaction data processing method, comprising:

3. A transaction data processing method, comprising:

4. The method of claim 3, wherein prior to generating a payment request based on the online identity information, the transaction number of the pending transaction data, and the pending payment amount, the method further comprises:

and scanning the member code which is registered by the user with the online transaction server in advance to acquire the online identity information.

5. The method of claim 4, wherein prior to scanning a member code that the user previously registered with the online transaction server, the method further comprises:

displaying at least one payment mode;

responding to the selection operation of the payment mode, and determining that the selected payment mode is a first payment mode;

and the first payment mode is a mode of payment through a user account bound with the online identity information.

6. The method of claim 5, wherein prior to scanning a member code that the user previously registered with the online transaction server, the method further comprises:

sending a member code request to the online transaction server, wherein the member code request carries non-member code information of the user;

and receiving the member code of the user returned by the online transaction server according to the non-member code information.

7. The method of claim 3, wherein generating a payment request based on the online identity information, the transaction number of the pending transaction data, and the pending payment amount comprises:

displaying an information page corresponding to the transaction data to be processed, wherein the information page comprises a payment control;

and responding to the triggering operation aiming at the payment control, and generating the payment request according to the online identity information, the transaction number of the transaction data to be processed and the amount to be paid.

8. The method of claim 3, wherein generating a payment request based on the online identity information, the transaction number of the pending transaction data, and the pending payment amount comprises:

calculating the amount to be paid according to the online price of the offline commodity on the online transaction server;

and generating the payment request according to the online identity information, the transaction number of the transaction data to be processed and the amount to be paid.

9. The method of claim 8, wherein calculating the amount to be paid based on an online price of the offline item on the online transaction server comprises:

sending a discount policy request to the online transaction server, wherein the discount policy request comprises the online identity information;

receiving an online discount strategy which is returned by the online transaction server according to the online identity information and can be enjoyed by the user;

and calculating the amount to be paid according to the online discount strategy and the online price of the offline commodity.

10. The method of claim 9, wherein calculating the amount to be paid based on the online offer policy and the online price of the offline good comprises:

determining the transaction total amount of the transaction data to be processed according to the on-line discount strategy, the on-line price of the off-line commodity and the quantity of the commodity;

and determining the amount to be paid according to the amount which can be paid by other payment modes and the total transaction amount, wherein the other payment modes are payment modes except payment through the user account bound with the on-line identity information.

11. The method of claim 8, wherein prior to calculating the amount to be paid based on an online price of the offline item on the online transaction server, the method further comprises:

sending a price request to the online transaction server, the price request including an identification of the offline good;

and receiving the online price of the offline commodity returned by the online trading server according to the identifier of the offline commodity.

12. The method according to any one of claims 3-11, wherein generating a payment request based on the online identity information, the transaction number of the pending transaction data, and the pending payment amount comprises:

sending an account request to the online transaction server, the account request including the online identity information;

receiving a user account which is returned by the online transaction server and is bound with the online identity information;

and generating the payment request according to the user account, the transaction number of the transaction data to be processed and the amount to be paid.

13. The method according to any of claims 3-11, wherein said obtaining pending transaction data comprises:

acquiring the information of the off-line commodities and the on-line identity information;

sending the online identity information and the offline commodity information to the online trading server so that the online trading server can generate trading data for the offline commodity according to the online identity of the user;

and receiving the transaction data issued by the online transaction server as the to-be-processed transaction data.

14. A transaction data processing method, comprising:

15. The method of claim 14, wherein prior to receiving the payment request sent by the store terminal, the method further comprises:

receiving a member code request sent by the store terminal, wherein the member code request carries non-member code information of the user;

and returning the member code of the user to the store terminal according to the non-member code information.

16. The method of claim 14, wherein prior to receiving the payment request sent by the store terminal or the user terminal, the method further comprises:

receiving a discount strategy request sent by the store terminal or the user terminal, wherein the discount strategy request comprises the online identity information;

acquiring an online preferential strategy which can be enjoyed by the user according to the online identity information;

and returning the online preferential strategy which can be enjoyed by the user to the store terminal or the user terminal.

17. The method of claim 14, wherein prior to receiving the payment request sent by the store terminal or the user terminal, the method further comprises:

receiving a price request sent by the store terminal or the user terminal, wherein the price request comprises an identifier of the offline commodity;

acquiring the online price of the offline commodity according to the identifier of the offline commodity;

and returning the online price of the offline commodity to the store terminal or the user terminal.

18. A method according to any of claims 14-17, wherein prior to receiving a payment request sent by a store terminal or a user terminal, the method further comprises:

receiving an account request sent by the store terminal or the user terminal, wherein the account request comprises the online identity information;

acquiring a user account bound with the online identity information according to the online identity information;

and returning the user account to the store terminal or the user terminal so that the store terminal or the user terminal can generate the payment request.

19. The method of any one of claims 14-17, wherein after deducting a corresponding fee from the user account bound to the online identity information, the method further comprises:

and returning a payment result to the store terminal and the user terminal.

20. A terminal device, comprising: a memory, a processor, and a communication component;

the memory for storing a computer program;

the processor, coupled with the memory, to execute the computer program to:

21. A third party server, comprising: a memory, a processor, and a communications component;

the memory for storing a computer program;

the processor, coupled with the processor, to execute the computer program to:

22. A terminal device, comprising: a memory, a processor, and a communication component;

the memory for storing a computer program;

the processor, coupled with the memory, to execute the computer program to:

23. An online transaction server, comprising: a memory, a processor, and a communications component;

the memory for storing a computer program;

the processor, coupled with the processor, to execute the computer program to:

24. A transaction data processing system, comprising: the system comprises a store terminal, a user terminal and an online transaction server;

25. A transaction data processing method, comprising:

26. The method of claim 25, wherein prior to processing payment for the pending transaction data, the method further comprises:

displaying at least one payment mode;

and determining a target payment mode selected for use in response to the selection operation of the payment mode.

27. The method of claim 26, wherein when the target payment method is a third party payment method, performing payment processing for the pending transaction data comprises:

28. The method of claim 26, wherein when the target payment method is an automated payment method, performing payment processing for the pending transaction data comprises:

receiving a payment result sent by a user terminal or the online transaction server;

carrying out payment processing on the transaction data to be processed according to the payment result;

the automatic payment mode is a payment mode that the online transaction server automatically deducts fees from a user account bound with the online identity information or automatically triggers the user terminal to deduct fees from the user account.

29. A terminal device, comprising: a memory and a processor;

the memory for storing a computer program;

the processor, coupled with the memory, to execute the computer program to: