CN110766392A - Transaction processing method and device - Google Patents

Transaction processing method and device Download PDF

Info

Publication number
CN110766392A
CN110766392A CN201910989476.5A CN201910989476A CN110766392A CN 110766392 A CN110766392 A CN 110766392A CN 201910989476 A CN201910989476 A CN 201910989476A CN 110766392 A CN110766392 A CN 110766392A
Authority
CN
China
Prior art keywords
merchant
information
pos
mis
payment
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Granted
Application number
CN201910989476.5A
Other languages
Chinese (zh)
Other versions
CN110766392B (en
Inventor
沈进
郑东东
刘畅
王霄
孙皓
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
China Unionpay Co Ltd
Original Assignee
China Unionpay Co Ltd
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by China Unionpay Co Ltd filed Critical China Unionpay Co Ltd
Priority to CN201910989476.5A priority Critical patent/CN110766392B/en
Publication of CN110766392A publication Critical patent/CN110766392A/en
Application granted granted Critical
Publication of CN110766392B publication Critical patent/CN110766392B/en
Active legal-status Critical Current
Anticipated expiration legal-status Critical

Links

Images

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G06Q20/204—Point-of-sale [POS] network systems comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Engineering & Computer Science (AREA)
  • Economics (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Development Economics (AREA)
  • Theoretical Computer Science (AREA)
  • Marketing (AREA)
  • Technology Law (AREA)
  • Cash Registers Or Receiving Machines (AREA)

Abstract

The embodiment of the invention discloses a transaction processing method and a device, wherein the method comprises the following steps: the method comprises the steps that a cloud pushing platform receives transaction information sent by a management information system MIS of a merchant, wherein the transaction information comprises merchant information and order information; the cloud pushing platform analyzes the transaction information according to a first preset protocol of the MIS to obtain merchant information and order information; then, the cloud pushing platform determines the POS of the merchant according to the merchant information; the cloud pushing platform generates a payment request according to the order information and sends the payment request to a POS of a merchant; the payment request conforms to a second preset protocol of the POS of the merchant; the cloud pushing platform generates a payment result conforming to a first preset protocol and sends the payment result to the MIS; the payment result is generated from payment information collected by the merchant's POS. Compared with the mode that the MIS and the POS are directly interacted in the prior art, the POS and the MIS of different versions can be interacted, and the transaction processing of a plurality of merchants can be managed conveniently and uniformly.

Description

Transaction processing method and device
Technical Field
The invention relates to the technical field of financial technology (Fintech), in particular to a transaction processing method and a transaction processing device.
Background
With the development of network technologies, more and more technologies (such as distributed, Blockchain, artificial intelligence, etc.) are applied in the financial field, the traditional financial industry is gradually changing to financial technology (Fintech), and more technologies are applied in the financial industry. For example, the payment mode commonly used in various industries at present is to directly perform transactions by using a mobile phone or a bank card through a network technology, the payment mode gradually replaces the traditional cash payment mode, and the payment mode not only can increase the convenience of a customer in the transaction process, but also can ensure the property safety of the customer.
The existing transaction processing modes are basically divided into two modes, one mode is that MIS is installed in a cash register, transaction processing is realized through interaction between the MIS and POS in the cash register, and the POS comprises transaction related processing logic and can directly interact with the MIS; however, in the prior art, the POS and the MIS require high coupling to support the interaction between the POS and the MIS, so when the POS is upgraded, the corresponding upgrade is performed with respect to the MIS, and if the MIS is not upgraded or the upgrade fails, the POS and the MIS cannot interact with each other, so that the transaction generated by the merchant cannot be processed.
Another transaction processing mode is that MIS of each merchant is installed on a cloud MIS platform, because MIS is installed on the cloud MIS platform, and a cash register does not have logic processing capacity, transaction related processing logic contained in a POS connected with the cash register cannot interact with MIS installed on the cloud MIS platform; therefore, the transaction processing mode can not be applied to POS, but is replaced by a code scanning gun which does not contain transaction related processing logic, but the code scanning gun can not identify the bank card, and the limitation of the payment mode can bring invariance to users.
Therefore, there is a need for a transaction processing method and apparatus that can be applied to flexible interaction between POS and MIS and is convenient for managing multiple stores in a unified manner.
Disclosure of Invention
The embodiment of the invention provides a transaction processing method and a transaction processing device, which are used for realizing interaction between POS (point of sale) and MIS (management information system) and facilitating unified management of transaction processing of a plurality of shops.
In a first aspect, an embodiment of the present invention provides a method for transaction processing, where the method includes:
the method comprises the steps that a cloud pushing platform receives transaction information sent by a management information system MIS of a merchant, wherein the transaction information comprises merchant information and order information; the cloud pushing platform analyzes the transaction information according to a first preset protocol of the MIS to obtain the merchant information and the order information; the cloud pushing platform determines the POS of the merchant according to the merchant information; the cloud pushing platform generates a payment request according to the order information and sends the payment request to the POS of the merchant; the payment request conforms to a second preset protocol of the POS of the merchant; the cloud pushing platform generates a payment result which accords with the first preset protocol and sends the payment result to the MIS; the payment result is generated according to payment information collected by the POS of the merchant.
By adopting the method, the cloud pushing platform is arranged, and the first preset protocol corresponding to the MIS and the second preset protocol corresponding to the POS are arranged in the cloud pushing platform, so that the cloud pushing platform can analyze the transaction information according to the first preset protocol of the MIS and edit the transaction information into order information which can be analyzed by the POS through the second preset protocol; correspondingly, the information sent by the POS can be analyzed through the second preset protocol and edited into MIS resolvable information through the first preset protocol; therefore, the cloud pushing platform serves as an interaction bridge, interaction between POS and MIS of different versions can be achieved, and a foundation is provided for unified management of transaction processing of multiple merchants.
In one possible design, the cloud push platform receives push information sent by a POS of the merchant, where the push information includes merchant information to which the POS belongs, version information of the POS, and IP information of the POS; the version information of the POS is used for indicating a second preset protocol used by the POS.
By adopting the method, the cloud pushing platform receives the merchant information including the POS and the IP information of the POS sent by the POS of the merchant, can update the latest POS version applied by the merchant in the cloud pushing platform database in time, and can search the corresponding two preset protocols for analyzing or editing information in time in the information interaction process.
In one possible design, the cloud pushing platform receives transaction information sent by management information MIS of a merchant, and the transaction information includes: the MIS of the merchant is located on a cloud MIS platform; the cloud pushing platform receives the transaction information sent by the cloud MIS platform; the transaction information is acquired by the cloud MIS platform from a cash register of the merchant; or the MIS of the merchant is located in the merchant's cash register.
In a possible design, before the cloud pushing platform generates the payment result conforming to the first preset protocol, the cloud pushing platform further includes: the cloud pushing platform receives payment information acquired by the POS of the merchant and sends the payment information to a payment platform; the cloud pushing platform receives a payment result of the payment platform for the payment information; or the cloud pushing platform receives a payment result sent by the POS of the merchant, and the payment result is generated based on payment information collected by the POS of the merchant.
By adopting the method, after the cloud pushing platform generates the payment request according to the order information and sends the payment request to the POS of the merchant, the payment information collected by the POS is received, the cloud pushing platform analyzes the payment information according to the second preset protocol and carries out corresponding arrangement, then the arranged payment information is sent to the payment platform, and the payment result sent by the payment platform is received. In addition, the method also provides a method for directly interacting the POS and the payment platform, and only the payment result is sent to the cloud pushing platform, so that the processing amount of the cloud pushing platform in the payment process can be reduced.
In one possible design, the cloud push platform sending a payment request to the POS of the merchant, including: and the cloud pushing platform sends the payment request to the POS of the merchant through a plug-in a cash register of the merchant.
By adopting the mode, aiming at the POS which cannot be networked, the application still provides a processing mode suitable for the cloud pushing platform mode, so that the new mode of the cloud pushing platform can be suitable for various different scenes.
In a second aspect, an embodiment of the present invention provides a transaction processing apparatus, including:
the receiving module is used for receiving transaction information sent by a Management Information System (MIS) of a merchant, wherein the transaction information comprises merchant information and order information;
the processing module is used for analyzing the transaction information according to a first preset protocol of the MIS to obtain the merchant information and the order information; the POS terminal is also used for determining the POS of the merchant according to the merchant information and generating a payment request according to the order information;
a sending module, configured to send the payment request to the POS of the merchant; the payment request conforms to a second preset protocol of the POS of the merchant; the MIS is also used for sending a payment result conforming to the first preset protocol to the MIS; the payment result is generated according to payment information collected by the POS of the merchant.
In one possible design, the receiving module is further configured to: receiving push information sent by a POS of the merchant, wherein the push information comprises merchant information to which the POS belongs, version information of the POS and IP information of the POS; the version information of the POS is used for indicating a second preset protocol used by the POS.
In one possible design, the MIS of the merchant is located on a cloud MIS platform; the receiving module is specifically configured to: receiving the transaction information sent by the cloud MIS platform; the transaction information is acquired by the cloud MIS platform from a cash register of the merchant; or the MIS of the merchant is located in the merchant's cash register.
In a third aspect, an embodiment of the present application further provides a computing device, including: a memory for storing program instructions; a processor for calling program instructions stored in said memory to execute the method as described in the various possible designs of the first aspect according to the obtained program.
In a fourth aspect, embodiments of the present application also provide a computer-readable non-transitory storage medium including computer-readable instructions which, when read and executed by a computer, cause the computer to perform the method as set forth in the various possible designs of the first aspect.
These and other implementations of the present application will be more readily understood from the following description of the embodiments.
Drawings
In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the drawings needed to be used in the description of the embodiments will be briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without inventive exercise.
FIG. 1 is a schematic diagram of a transaction processing device according to the prior art;
fig. 2 is a schematic structural diagram of a transaction processing apparatus according to an embodiment of the present disclosure;
fig. 3 is a schematic flow chart of a transaction processing method according to an embodiment of the present application;
FIG. 4 is a schematic flow chart illustrating another transaction processing method according to an embodiment of the present disclosure;
FIG. 5 is a schematic flow chart illustrating another transaction processing method according to an embodiment of the present disclosure;
fig. 6 is a diagram of a transaction processing device according to an embodiment of the present application.
Detailed Description
In order to make the objects, technical solutions and advantages of the present invention clearer, the present invention will be described in further detail with reference to the accompanying drawings, and it is apparent that the described embodiments are only a part of the embodiments of the present invention, 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 invention.
The embodiments of the present application will be described in detail below with reference to the accompanying drawings.
In the prior art, merchant information, order information and the like are generated through MIS, payment information and the like are collected through POS, and the POS and the MIS directly interact with each other, so that merchant transaction is realized; as shown in fig. 1, a merchant cash register 2 …, a merchant POS1, a merchant POS2 …, a merchant POSn, complete a transaction through interaction between the cash registers and the POS, taking the merchant 1 as an example, step 101, a merchant staff enters information such as a commodity type, a commodity quantity and the like into the merchant cash register 1, MIS in the cash register generates merchant information and order information and sends the merchant information and the order information to the POS, step 102, the merchant POS1 collects payment information of a user after receiving the merchant information and the order information, such as by swiping a card, scanning a two-dimensional code and the like, calculates information such as a transaction amount and a member score through a preset algorithm logic to generate payment information, step 103, the merchant POS1 sends the payment information to a payment processing platform, the payment processing platform receives the payment information and searches for a customer account through the payment information to complete actions such as a related deduction a fee, and finally generates a payment result, step 104, the payment processing platform sends the payment result to the merchant cash register 1 to be presented to the customer.
However, in the prior art, the POS and the MIS require high coupling to support the interaction between the POS and the MIS, so that when the POS is upgraded, the corresponding upgrade is performed on the POS and the MIS, and if the MIS or the POS is not upgraded or the upgrade fails, the POS and the MIS cannot be coupled, and further the POS and the MIS cannot interact with each other, so that the merchant transaction cannot be performed.
Based on this, the embodiment of the present application provides a transaction processing apparatus, where a cloud push platform is added, and a protocol capable of analyzing information sent by different versions of POS and MIS is set in the cloud push platform, and after receiving a POS version of a merchant, protocol analysis information corresponding to the POS version is searched, and then the protocol analysis information corresponding to the MIS version is sent to the MIS through protocol editing information corresponding to the MIS version, so as to serve as a bridge for information interaction between POS and MIS of different versions, so as to implement interaction between POS and MIS of different versions, and facilitate unified management of transaction processing of multiple stores, as shown in fig. 2: taking a merchant 1 as an example, a system architecture in a dashed line frame 1 is a condition that a cloud MIS platform is deployed for MIS, and a cloud pushing platform interacts with the cloud MIS platform and a merchant POS1 to complete a transaction process; the system architecture in the dashed line box 2 is the case that the MIS is deployed at the merchant cash register, and the cloud push platform interacts with the merchant cash register 1 and the merchant POS1 to complete the transaction process.
Fig. 3 is a schematic flow chart of a transaction processing method according to an embodiment of the present application, as shown in fig. 3, the method includes:
301, receiving transaction information sent by a management information system MIS of a merchant by a cloud pushing platform, wherein the transaction information comprises merchant information and order information;
the method comprises the steps that a merchant cash register sends trade information such as commodity information selected by a merchant worker and stored merchant information to a cloud MIS platform, the MIS in the cloud MIS platform carries out related algorithm logic processing and editing according to the trade information to obtain the trade information comprising the merchant information and order information, and the trade information is sent to a cloud pushing platform; and the corresponding cloud pushing platform receives the transaction information sent by the management information system MIS of the merchant in the cloud MIS platform. Or the MIS in the merchant cash register carries out relevant algorithm logic processing and editing on the commodity information selected by the merchant staff, the stored merchant information and other transaction information to obtain the transaction information comprising the merchant information and the order information, and the transaction information is sent to the cloud pushing platform; and the corresponding cloud pushing platform receives the transaction information sent by the MIS in the merchant cash register. The cloud pushing platform is an information processing platform between the MIS and the POS; the transaction information can be a commodity number, a commodity quantity, a transaction date, a payment mode, a merchant number, a merchant shop number, a cashier number, a cash register number, a customer member number and the like; the transaction information comprises merchant information and order information; for example, the merchant information may be a merchant number, a merchant door number, a cashier number, a cash register number, and the like, and the order information may be a commodity number, a commodity quantity, a commodity amount, a transaction date, a payment method, a payment amount, a customer member number, and the like.
In addition, when the MIS sends the edited transaction information to the cloud pushing platform, the cloud MIS platform or the merchant cash register can send the merchant number or the merchant store number which is not edited by the MIS and the MIS version, so that the cloud pushing platform determines a protocol corresponding to the MIS version and is used for analyzing the transaction information edited by the MIS version; the version information of the MIS and the merchant information bound with the version information can be recorded in the cloud pushing platform when the merchant purchases the MIS or changes the MIS, and the version information and the merchant information can be used for analyzing the transaction information edited by the MIS version, and the details are not limited.
Step 302, the cloud pushing platform analyzes the transaction information according to a first preset protocol of the MIS to obtain the merchant information and the order information;
here, the first preset protocol is a protocol corresponding to the MIS version, the cloud push platform collects the existing MIS version and deploys the protocols corresponding to the MIS versions before working, and collects the existing POS version and deploys the protocols corresponding to the POS versions (the second preset protocol); therefore, after the cloud pushing platform determines the protocol (the first preset protocol) corresponding to the MIS version, the transaction information edited by the MIS version is analyzed. That is to say, after the cloud push platform determines the protocol corresponding to the MIS version and the protocol corresponding to the POS version, the cloud push platform analyzes the transaction information sent by the MIS according to the corresponding protocol, and edits the payment information according to the protocol corresponding to the POS version, so that the POS can read the payment information after receiving the payment information; for example, the transaction information generated by the first-generation MIS version includes: the corresponding protocol of the first generation MIS version can read the commodity number in the first field, the commodity unit price in the second field, the commodity quantity in the third field and the commodity discount type number in the fourth field; the payment information analyzed by the second-generation POS version comprises: the commodity unit price, the commodity quantity and the commodity number in the payment information message are edited in the first field by the corresponding protocol of the second-generation POS version, the commodity unit price is read in the second field, and the commodity number is read in the third field. Therefore, if the transaction information is not read by the cloud pushing platform and is sent after being edited according to the corresponding protocol of the POS version, the POS cannot interpret the payment information, and therefore the MIS and the POS cannot interact.
Step 303, the cloud pushing platform determines the POS of the merchant according to the merchant information;
here, the cloud push platform receives push information sent by a POS of the merchant, where the push information includes merchant information to which the POS belongs, and version information and IP information of the POS. That is to say, the POS of the merchant sends merchant information, version information of the POS and IP information of the POS to the cloud pushing platform at regular time, and the cloud pushing platform receives the merchant information, the version information of the POS and the IP information of the POS of the merchant and updates the merchant information, the version information of the POS and the IP information of the POS. The version information of the POS, the IP information of the POS, and the merchant information bound thereto may also be entered at the cloud push platform when the merchant purchases the POS or changes the POS, which is not particularly limited.
Because, the cloud push platform receives the merchant number or merchant store number and the MIS version sent by the MIS before receiving the transaction information sent by the MIS; or the cloud pushing platform stores the MIS version bound with the merchant information in the database, so that the cloud pushing platform can determine the POS and the MIS bound with the merchant information, and the interaction between the POS and the MIS is realized through the cloud pushing platform.
Step 304, the cloud pushing platform generates a payment request according to the order information and sends the payment request to the POS of the merchant; the payment request conforms to a second preset protocol of the POS of the merchant;
here, the cloud push platform determines a corresponding protocol according to the MIS version sent by the MIS, reads order information in the transaction information sent by the MIS, for example, the order information includes a commodity unit price, a commodity quantity, a commodity number, a commodity discount type number, a point type number, a customer member number, a transaction amount, and the like, and the cloud push platform generates a payment request including the transaction amount, wherein the cloud push platform searches for a merchant POS corresponding to the merchant information in the database according to the merchant information, determines IP information and POS version information of the merchant POS, and further determines a protocol corresponding to the POS, and edits the payment request into the POS readable message through the protocol and sends the POS message to the POS The second field is set as the number of the goods and the second field is set as the number of the goods.
The cloud push platform may also send the payment request to the POS of the merchant through a plug-in a cash register of the merchant. That is to say, a plug-in may be installed in the merchant cash register, so that the plug-in interacts with the cloud push platform, receives the payment request through the plug-in and sends the payment request to the POS, and receives the payment result and sends the payment result to the POS.
305, the cloud pushing platform generates a payment result conforming to the first preset protocol and sends the payment result to the MIS; the payment result is generated according to payment information collected by the POS of the merchant.
Before the cloud pushing platform generates a payment result which accords with the first preset protocol, the cloud pushing platform receives payment information acquired by a POS (point of sale) of the merchant and sends the payment information to a payment platform; the cloud pushing platform receives a payment result of the payment platform for the payment information; or the cloud pushing platform receives a payment result sent by the POS of the merchant, and the payment result is generated based on payment information collected by the POS of the merchant. That is, the payment platform may interact directly with the merchant's POS or interact with the cloud push platform.
By adopting the method, the cloud pushing platform is arranged, and the first preset protocol corresponding to the MIS and the second preset protocol corresponding to the POS are arranged in the cloud pushing platform, so that the cloud pushing platform can analyze the transaction information according to the first preset protocol of the MIS and edit the transaction information into order information which can be analyzed by the POS through the second preset protocol; correspondingly, the information sent by the POS can be analyzed through the second preset protocol and edited into MIS resolvable information through the first preset protocol; therefore, the cloud pushing platform serves as an interaction bridge, interaction between POS and MIS of different versions can be achieved, and a foundation is provided for unified management of transaction processing of multiple merchants.
Based on the system architecture of the MIS deployment cloud MIS platform in fig. 2 of the present application, a schematic flow diagram of a transaction processing method provided in the embodiment of the present application is shown in fig. 4, where the method includes:
step 401, the cloud pushing platform stores the existing MIS of various versions and the corresponding protocols thereof and the corresponding protocols of the existing POS of various versions in a database;
step 402, the merchant POS periodically sends version information and IP address information of the POS and merchant information bound to the version information and IP address information to the cloud push platform, for example: the latest merchant number, merchant door number, cash register number, POS IP address, POS version information and the like corresponding to the POS;
step 403, the cloud pushing platform receives information sent by the merchant POS, and correspondingly updates binding data of the version information, the IP address information and the merchant information of the POS in the database according to the version information, the IP address information and the merchant information of the POS in the information;
step 404, when the merchant conducts a transaction, the merchant cash register sends transaction information to the cloud MIS platform, for example: the system comprises a commodity unit price, commodity quantity, commodity number, merchant door and store number, cash register number, payment mode, transaction type and the like;
step 405, the cloud MIS platform receives transaction information sent by a merchant cash register, searches a bound MIS version according to a merchant number and/or a merchant store number in the transaction information, and applies the MIS transaction information of a corresponding version to process; for example, the amount to be paid is calculated by the commodity number, the commodity unit price and the commodity quantity, and if the customer is a merchant member, the calculation of discount or accumulated points and the like is performed according to corresponding rules, and the transaction information is edited into a corresponding transaction information message 1;
step 406, after receiving the transaction information sent by the merchant cash register, the cloud MIS platform sends the MIS version information, the merchant number, the merchant gate number and other information carried in the transaction information to the cloud push platform, so that the cloud push platform searches for a corresponding protocol according to the version information of the MIS in the information;
step 407, the cloud MIS platform sends the transaction information message 1 edited by the MIS of the version according to the transaction information to the cloud pushing platform;
step 408, the cloud pushing platform analyzes and reads the transaction information message 1 according to the protocol relative to the MIS version found by the information in step 206, finds a database according to the read merchant information to obtain a POS version bound with the merchant information, finds the protocol corresponding to the POS version according to the POS version, and edits the information read from the transaction information message 1 into a POS readable payment request message 2 of the version according to the protocol of the POS version, where the message 2 may include: a transaction order, a transaction amount, a merchant number, a merchant door and store number, a cash register number, an IP address of POS, a POS version and the like;
step 409, the cloud pushing platform sends the payment request message 2 to the POS.
And step 410, the POS receives the payment request message 2, analyzes the message 2, displays information such as transaction amount due in the payment request to a customer, the customer uses a bank card or uses a two-dimensional code for payment, and the POS edits information such as a bank card and a password of the customer or a payment two-dimensional code, the payment transaction amount, transaction date, transaction time, a commodity order number and the like into a payment information message 3.
Step 411, the POS sends the payment information message 3 to a cloud push platform;
step 412, the cloud pushing platform determines a protocol corresponding to the POS according to the version information and the IP information periodically sent by the POS, analyzes and reads the payment information packet 3 through the protocol, and edits the extracted information in the payment information packet 3 into a payment information packet 4, where the payment information packet 4 may include: bank card number, payment password or payment two-dimensional code, etc.;
step 413, the cloud pushing platform sends the payment information message 4 to the payment processing platform;
step 414, the payment processing platform analyzes and reads the payment information message 4, obtains account information according to information such as a bank card or a payment two-dimensional code in the payment information message 4, deducts money from the account, and generates a transaction result;
step 415, the payment processing platform sends the payment result to the cloud pushing platform;
step 416, the cloud pushing platform converts the payment result into the MIS version readable payment result message 5;
step 417, the cloud pushing platform sends the payment result message 5 to the cloud MIS platform;
step 418, the cloud MIS platform receives the payment result message 5 and reads the payment result;
step 419, the cloud MIS platform sends the payment result to a cash register;
the cash register presents the payment result to the customer, step 420.
Based on the system architecture of the MIS deployment merchant cash register in fig. 2 of the present application, a schematic flow diagram of a transaction processing method provided in the embodiment of the present application is shown in fig. 5, where the method includes:
step 501, the cloud pushing platform stores the existing MIS of various versions and the corresponding protocols thereof and the corresponding protocols of the existing POS of various versions in a database;
step 502, the merchant POS periodically sends version information and IP address information of the POS and merchant information bound to the version information and IP address information to the cloud push platform, for example: the latest merchant number, merchant door number, cash register number, POS IP address, POS version information and the like corresponding to the POS;
step 503, when the merchant conducts transaction, the merchant cash register sends the merchant number and the MIS version corresponding to the merchant number and the gate number to the cloud pushing platform;
step 504, when the merchant conducts a transaction, the merchant cash register sends a transaction information message 1 to the cloud pushing platform, for example: the system comprises a commodity unit price, commodity quantity, commodity number, merchant door and store number, cash register number, payment mode, transaction type and the like;
505, the cloud pushing platform receives a transaction information message 1 sent by a merchant cash register, searches for a corresponding protocol according to a merchant number or a merchant store number and an MIS version sent by the merchant cash register, analyzes and reads the transaction information, searches for a POS version bound with the merchant number or the merchant store number in a database, further searches for a protocol corresponding to the POS version, and edits the transaction information analyzed and read in the message 1 into a payment request message 2;
step 506, the cloud pushing platform sends the payment request message 2 to the POS;
step 507, the POS receives the message 2, reads the relevant information, collects the payment information and edits a payment information message 3;
step 508, the POS sends the payment information message 3 to a cloud push platform;
509, the cloud pushing platform receives the payment information message 3, analyzes and reads the payment information message 3 according to the protocol, extracts corresponding payment information and edits a payment information message 4;
step 510, the cloud pushing platform sends a payment information message 4 to a payment processing platform;
step 511, the payment processing platform analyzes and reads the payment information, carries out corresponding operations such as deduction and the like on the customer account, and then edits the payment result;
step 512, the payment processing platform sends the payment result to the cloud pushing platform;
step 513, the cloud pushing platform converts the payment result into a payment result message 5 through a protocol corresponding to the MIS version;
step 514, the cloud pushing platform sends the payment result message 5 to a merchant cash register;
step 515, the merchant cash register receives the payment result message 5, and the MIS analyzes and reads the payment result, and then the payment result is presented to the customer.
Based on the same concept, an embodiment of the present invention further provides a transaction processing apparatus, and fig. 6 is a schematic diagram of the transaction processing apparatus provided in the embodiment of the present application, as shown in fig. 6, including:
the receiving module 601 is configured to receive transaction information sent by a management information system MIS of a merchant, where the transaction information includes merchant information and order information;
the processing module 602 is configured to analyze the transaction information according to a first preset protocol of the MIS to obtain the merchant information and the order information; the POS terminal is also used for determining the POS of the merchant according to the merchant information and generating a payment request according to the order information;
a sending module 603, configured to send a payment request to the POS of the merchant; the payment request conforms to a second preset protocol of the POS of the merchant; the MIS is also used for sending payment results conforming to the first preset protocol to the MIS; the payment result is generated according to payment information collected by the POS of the merchant.
In one possible design, the receiving module 601 is further configured to: receiving push information sent by a POS of the merchant, wherein the push information comprises merchant information to which the POS belongs, version information of the POS and IP information of the POS; the version information of the POS is used for indicating a second preset protocol used by the POS.
In one possible design, the MIS of the merchant is located on a cloud MIS platform; the receiving module is specifically configured to: receiving the transaction information sent by the cloud MIS platform; the transaction information is acquired by the cloud MIS platform from a cash register of the merchant; or the MIS of the merchant is located in the merchant's cash register.
In a possible design, before the cloud push platform generates the payment result conforming to the first preset protocol, the receiving module 601 is further configured to: receiving payment information acquired by the POS of the merchant and sending the payment information to a payment platform; receiving a payment result of the payment platform for the payment information; or receiving a payment result sent by the POS of the merchant, wherein the payment result is generated based on the payment information collected by the POS of the merchant.
In one possible design, the sending, by the cloud push platform, a payment request to the POS of the merchant includes: and the cloud pushing platform sends the payment request to the POS of the merchant through a plug-in a cash register of the merchant.
As will be appreciated by one skilled in the art, embodiments of the present application may be provided as a method, system, or computer program product. Accordingly, the present application may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present application 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 application is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to the application. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
It will be apparent to those skilled in the art that various changes and modifications may be made in the present application without departing from the spirit and scope of the application. Thus, if such modifications and variations of the present application fall within the scope of the claims of the present application and their equivalents, the present application is intended to include such modifications and variations as well.

Claims (10)

1. A transaction processing method, the method comprising:
the method comprises the steps that a cloud pushing platform receives transaction information sent by a management information system MIS of a merchant, wherein the transaction information comprises merchant information and order information;
the cloud pushing platform analyzes the transaction information according to a first preset protocol of the MIS to obtain the merchant information and the order information;
the cloud pushing platform determines the POS of the merchant according to the merchant information;
the cloud pushing platform generates a payment request according to the order information and sends the payment request to the POS of the merchant; the payment request conforms to a second preset protocol of the POS of the merchant;
the cloud pushing platform generates a payment result which accords with the first preset protocol and sends the payment result to the MIS; the payment result is generated according to payment information collected by the POS of the merchant.
2. The method of claim 1, further comprising:
the cloud pushing platform receives pushing information sent by a POS of the merchant, wherein the pushing information comprises merchant information to which the POS belongs, version information of the POS and IP information of the POS; the version information of the POS is used for indicating a second preset protocol used by the POS.
3. The method of claim 1, wherein the cloud push platform receives the transaction information sent by the management information MIS of the merchant, and comprises:
the MIS of the merchant is located on a cloud MIS platform; the cloud pushing platform receives the transaction information sent by the cloud MIS platform; the transaction information is acquired by the cloud MIS platform from a cash register of the merchant; or
The MIS of the merchant is located in the merchant's cash register.
4. The method according to claim 1, before the cloud push platform generates the payment result conforming to the first preset protocol, further comprising:
the cloud pushing platform receives payment information acquired by the POS of the merchant and sends the payment information to a payment platform; the cloud pushing platform receives a payment result of the payment platform for the payment information; or
The cloud pushing platform receives a payment result sent by the POS of the merchant, and the payment result is generated based on payment information collected by the POS of the merchant.
5. The method of claim 1, wherein the cloud push platform sending a payment request to the merchant's POS comprises:
and the cloud pushing platform sends the payment request to the POS of the merchant through a plug-in a cash register of the merchant.
6. A transaction processing apparatus, the apparatus comprising:
the receiving module is used for receiving transaction information sent by a Management Information System (MIS) of a merchant, wherein the transaction information comprises merchant information and order information;
the processing module is used for analyzing the transaction information according to a first preset protocol of the MIS to obtain the merchant information and the order information; the POS terminal is also used for determining the POS of the merchant according to the merchant information and generating a payment request according to the order information;
a sending module, configured to send the payment request to the POS of the merchant; the payment request conforms to a second preset protocol of the POS of the merchant; the MIS is also used for sending a payment result conforming to the first preset protocol to the MIS; the payment result is generated according to payment information collected by the POS of the merchant.
7. The apparatus of claim 6, wherein the receiving module is further configured to:
receiving push information sent by a POS of the merchant, wherein the push information comprises merchant information to which the POS belongs, version information of the POS and IP information of the POS; the version information of the POS is used for indicating a second preset protocol used by the POS.
8. The apparatus of claim 6, wherein the merchant's MIS is located on a cloud MIS platform; the receiving module is specifically configured to: receiving the transaction information sent by the cloud MIS platform; the transaction information is acquired by the cloud MIS platform from a cash register of the merchant; or
The MIS of the merchant is located in the merchant's cash register.
9. A computing device, comprising:
a memory for storing program instructions;
a processor for calling program instructions stored in said memory to execute the method of any one of claims 1 to 5 in accordance with the obtained program.
10. A computer-readable non-transitory storage medium including computer-readable instructions which, when read and executed by a computer, cause the computer to perform the method of any one of claims 1 to 5.
CN201910989476.5A 2019-10-17 2019-10-17 Transaction processing method and device Active CN110766392B (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CN201910989476.5A CN110766392B (en) 2019-10-17 2019-10-17 Transaction processing method and device

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN201910989476.5A CN110766392B (en) 2019-10-17 2019-10-17 Transaction processing method and device

Publications (2)

Publication Number Publication Date
CN110766392A true CN110766392A (en) 2020-02-07
CN110766392B CN110766392B (en) 2022-03-04

Family

ID=69332207

Family Applications (1)

Application Number Title Priority Date Filing Date
CN201910989476.5A Active CN110766392B (en) 2019-10-17 2019-10-17 Transaction processing method and device

Country Status (1)

Country Link
CN (1) CN110766392B (en)

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN111612577A (en) * 2020-05-14 2020-09-01 北京字节跳动网络技术有限公司 Order processing method and device, electronic equipment and storage medium
CN111882783A (en) * 2020-06-29 2020-11-03 银盛支付服务股份有限公司 Butt-joint-transformation-free plug-and-play MIS-POS system and implementation method
CN112132561A (en) * 2020-09-30 2020-12-25 中国银行股份有限公司 Electronic two-dimensional code management method and device for POS (point of sale) checkout

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN101495966A (en) * 2005-06-29 2009-07-29 维萨美国股份有限公司 Schema-based dynamic parse/build engine for parsing multi-format messages
CN101980152A (en) * 2010-10-18 2011-02-23 华南理工大学 Mobile middleware system and implementation method thereof
CN103793814A (en) * 2014-01-22 2014-05-14 福建三元达软件有限公司 Method for carrying financial payment terminal through mobile terminal and financial payment system
CN104158882A (en) * 2014-08-20 2014-11-19 信雅达系统工程股份有限公司 POS (Point Of Sale) system based on cloud middleware
CN109040210A (en) * 2018-07-23 2018-12-18 百富计算机技术（深圳）有限公司 Communication means, terminal device and storage medium between a kind of application

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN101495966A (en) * 2005-06-29 2009-07-29 维萨美国股份有限公司 Schema-based dynamic parse/build engine for parsing multi-format messages
CN101980152A (en) * 2010-10-18 2011-02-23 华南理工大学 Mobile middleware system and implementation method thereof
CN103793814A (en) * 2014-01-22 2014-05-14 福建三元达软件有限公司 Method for carrying financial payment terminal through mobile terminal and financial payment system
CN104158882A (en) * 2014-08-20 2014-11-19 信雅达系统工程股份有限公司 POS (Point Of Sale) system based on cloud middleware
CN109040210A (en) * 2018-07-23 2018-12-18 百富计算机技术（深圳）有限公司 Communication means, terminal device and storage medium between a kind of application

Cited By (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN111612577A (en) * 2020-05-14 2020-09-01 北京字节跳动网络技术有限公司 Order processing method and device, electronic equipment and storage medium
CN111612577B (en) * 2020-05-14 2023-06-13 北京字节跳动网络技术有限公司 Order processing method and device, electronic equipment and storage medium
CN111882783A (en) * 2020-06-29 2020-11-03 银盛支付服务股份有限公司 Butt-joint-transformation-free plug-and-play MIS-POS system and implementation method
CN111882783B (en) * 2020-06-29 2021-04-16 银盛支付服务股份有限公司 Plug-and-play MIS-POS realization method free of butt joint transformation
CN112132561A (en) * 2020-09-30 2020-12-25 中国银行股份有限公司 Electronic two-dimensional code management method and device for POS (point of sale) checkout

Also Published As

Publication number Publication date
CN110766392B (en) 2022-03-04

Similar Documents

Publication Publication Date Title
CN110766392B (en) Transaction processing method and device
JP5095397B2 (en) Direct currency exchange
US20140172697A1 (en) Systems and methods for detecting fraud in retail return transactions
US20010054006A1 (en) Points trading service method and system therefor
JP2003248774A (en) Electronic coupon presenting method and system
US9330382B2 (en) Method to facilitate an in-store audit after issuance of an electronic receipt
CN112465489A (en) Payment service processing method and device and machine-readable storage medium
KR101729162B1 (en) Apparatus, method and computer program for managing advanced payment based on financial open platform
CN112330316A (en) Payment service processing method and device and machine-readable storage medium
US20160019613A1 (en) Method and apparatus for calculating a transaction quality score of a merchant
CN110210824B (en) Business process change processing method and device
JP2019153156A (en) Settlement processing system, information processing device, settlement method, information code display method, and program
US9830584B2 (en) Display an item detail with a receipt snippet
JP2021117504A (en) Bar code generation display terminal, bar code generation display program and bar code processing system
JP2019128781A (en) Sales data processor and program
CN109598490A (en) Transaction data processing method, apparatus and system
CN112907263B (en) Abnormal order quantity detection method, device, equipment and storage medium
US20140122269A1 (en) Layaway apparatus and method
WO2017032056A1 (en) Point-of-sale-based cash-out determining method and apparatus
US20040054579A1 (en) Method and apparatus for establishing and operating credit promotions
CN112035681B (en) Method and device for determining credit card rate information based on knowledge graph
CN108564354A (en) settlement method, service platform and server
JP5812645B2 (en) Electronic commerce system
JP5563119B1 (en) User information management apparatus and user information management program
JP5987736B2 (en) Settlement device, settlement system, settlement method and program

Legal Events

Date Code Title Description
PB01 Publication
PB01 Publication
SE01 Entry into force of request for substantive examination
SE01 Entry into force of request for substantive examination
GR01 Patent grant
GR01 Patent grant