CN110930140A - Stored value consumption method and system - Google Patents
Stored value consumption method and system Download PDFInfo
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- CN110930140A CN110930140A CN201911249402.4A CN201911249402A CN110930140A CN 110930140 A CN110930140 A CN 110930140A CN 201911249402 A CN201911249402 A CN 201911249402A CN 110930140 A CN110930140 A CN 110930140A
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/22—Payment schemes or models
- G06Q20/28—Pre-payment schemes, e.g. "pay before"
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
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Abstract
The invention discloses a stored value consumption method and a system, wherein the method comprises the following steps: the method comprises the following steps that a consumer purchases a value storage service of a chain company, a value storage account is correspondingly established in a trusted institution, and a first amount is stored in the value storage account, wherein the chain company correspondingly has a plurality of franchised shops; after the consumer consumes the second amount at any franchised shop, the linkage company sends consumption completion information to the credible institution, wherein the sum of the second amount consumed by the consumer at all franchised shops is less than or equal to the first amount; and after receiving the consumption completion information, the trusted institution pays the second amount in the stored-value account to the corresponding franchised shop. The invention can effectively eliminate the risk of prepayment of stored value fees of consumers, and avoid the money loss of the consumers and the trust crisis for chain companies.
Description
Technical Field
The invention relates to the technical field of communication and information processing, in particular to a stored value consumption method and a stored value consumption system.
Background
At present, chain operation modes are popularized, and chain stores of various industries, such as catering, body building, hairdressing and beauty, fresh chain, children education, automobile maintenance and the like, appear in large quantities in various large and medium-sized cities.
Under the great trend of the alliance chain, a class of problems also commonly exist, namely the problem that consumers trust chain stores, particularly the problems are reflected in prepaid package cards, annual cards and the like. Specific cases are that, for example, a consumer prepays a package card and a year card in a certain member store, but the consumer cannot consume after the member store stops operating, and the headquarters of the chain store generally does not bear the debt of the consumer and the member store, so that the consumer suffers loss, and the trust of the consumer on the chain store and other member stores is seriously influenced.
Disclosure of Invention
The present invention is directed to solving, at least to some extent, one of the technical problems in the art described above. Therefore, an object of the present invention is to provide a stored value consumption method and system, which can effectively eliminate the risk of prepayment of stored value fee by the consumer, and avoid the money loss and the trust crisis for chain companies of the consumer.
The invention provides a stored value consumption method, which comprises the following steps: the method comprises the steps that a consumer purchases a stored value service of a chain company, a stored value account is correspondingly established in a trusted institution, and a first amount is stored in the stored value account, wherein the chain company correspondingly has a plurality of affiliated shops; after the consumer consumes a second amount of money on any affiliated shop, the linkage company sends consumption completion information to the trusted authority, wherein the sum of the second amount of money consumed by the consumer on all affiliated shops is less than or equal to the first amount of money; and after receiving the consumption completion information, the trusted authority pays the second amount in the stored-value account to the corresponding affiliated store.
And after receiving the consumption completion information, the trusted authority also pays the interest generated during the period of storing the second amount in the stored-value account of the trusted authority to the corresponding affiliated shop.
Interest accrued from the remaining amount in the stored value account is retained by the trusted authority or returned by the trusted structure to the consumer, the chain, or the affiliated store.
The second amount corresponds to the service of the franchised shop, when the franchised shop cannot provide the service, the chain company sends charge returning information to the trusted authority, and the trusted authority returns the second amount in the stored-value account to the consumer after receiving the charge returning information.
And when the chain company is shut down, the trusted authority returns the residual amount in the stored-value account to the consumer.
The stored value consumption system provided by the invention comprises a consumer terminal, a server, a database, a merchant terminal, a escrow account platform and a merchant account platform, wherein the consumer terminal is used for receiving stored value service information sent by the server and paying a first amount according to a payment request; the server is used for sending the stored-value service information and the payment request to the consumer terminal, and sending consumption information to the escrow account platform and consumption completion information to the merchant terminal; the database is used for storing the data of the server; the merchant terminal is used for acquiring the stored value service setting information and receiving the consumption completion information sent by the server; the escrow account platform is configured to pay a second amount to the merchant account platform based on the consumption information.
The invention has the beneficial effects that:
the invention can effectively eliminate the risk of prepayment of stored value fees of consumers, and avoid the money loss of the consumers and the trust crisis for chain companies.
Drawings
FIG. 1 is a flow chart of a stored value consumption method according to an embodiment of the invention;
FIG. 2 is a schematic flow chart of a stored value consumption method according to an embodiment of the invention;
FIG. 3 is a schematic diagram of the business logic involved in a stored value consumption method according to one embodiment of the invention;
FIG. 4 is a block diagram of a stored value consumption system according to an embodiment of the invention;
FIG. 5 is a schematic illustration of a package card opening process for a stored value consumption system according to an embodiment of the invention;
FIG. 6 is a schematic diagram illustrating a package card consumption flow of a stored value consumption system according to an embodiment of the invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, 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 invention.
As shown in FIG. 1, a stored value consumption method according to an embodiment of the invention comprises the following steps:
s1, the consumer purchases the stored value service of the chain company, and establishes a stored value account in the credible institution and deposits a first amount in the stored value account, wherein the chain company has a plurality of affiliated shops.
In one embodiment of the invention, the stored value services purchased by the consumer may include general purpose services or may include specific services. The generic service may select a number of different affiliate stores to implement the delivery, and a particular service may only select a particular affiliate store to implement the delivery.
And S2, after the consumer consumes the second amount on any franchised shop, the linkage company sends the consumption completion information to the trusted authority, wherein the sum of the second amount consumed by the consumer on all franchised shops is less than or equal to the first amount.
It should be understood that a particular service may have a corresponding fixed second amount.
And S3, the trusted authority pays the second amount in the stored-value account to the corresponding affiliated store after receiving the consumption completion information.
Further, the trusted authority, upon receiving the consumption completion information, may also pay the corresponding affiliated store the interest generated during the storage of the second amount in the stored value account of the trusted authority.
In one embodiment of the invention, the interest accrued by the remaining amount in the stored value account may be retained by the trusted authority or may be returned by the trusted authority to the consumer, the chain or affiliated store.
In one embodiment of the invention, the second amount corresponds to a service of the affiliated store, that is, the service of the affiliated store is a specific service, when the affiliated store cannot provide the service, the chain company may send the charge returning information to the trusted authority, and the trusted authority may return the second amount in the stored-value account to the consumer after receiving the charge returning information. When the chain is shut down, the trusted authority may return the remaining amount in the stored value account to the consumer.
In one embodiment of the present invention, referring to FIG. 2, the stored value consumption method may include the following steps (1) to (8):
(1) a consumer a purchases a value x + y + z-element stored value/package service from an online platform 'Tiaobao' of a chain company b; the "Cash and Ticket" software of the chain company b informs the Payment, WeChat or other trusted authorities, i.e., the fourth authority d, to establish a stored value account-Cash and Ticket account for the consumer a.
(2) The consumer a deposits x + y + z money into the 'card and cash' account of the fourth institution d, such as a payment treasure, a WeChat and the like, and the money in the account is temporarily owned by a.
(3) Consumer a consumes the value x dollar service at affiliate store c 1.
(4) After the service is finished, the consumer a confirms that the service is finished to the chain company b, and the chain company b informs the fourth party organization d such as the Paibao and the WeChat to pay x element + interest to the franchise shop c1 (the interest is that the x element + y element + z element money is stored in the corresponding interest obtained by the fourth party organization d such as the Paibao and the WeChat).
(5) Consumer a gets a value y-gram service at affiliate store c 2.
(6) After the service is finished, the consumer a confirms that the service is finished to the chain company b, and the chain company b notifies a fourth party organization d such as a payment treasure, a WeChat and the like to pay the y Yuan + interest to the franchise shop c 2.
(7) The consumer a has z-element left in the card and ticket bank and is temporarily stored in a fourth organization d such as a payment bank, a WeChat, etc.
(8) For the portion z of the set meal card and the annual card which are overdue (if the card and the certificate have the period) purchased by the consumer a, the interest generated in the period can be returned to the consumer a or the transfer chain company b according to the agreement.
In general, the business logic involved in the stored value consumption method of the embodiment of the invention is shown in fig. 3, and includes: 1. consumer a offers purchase service (value x) to chain company b; 2. the chain company b proposes to a fourth trusted authority d to create an account K for the consumer a; 3. d, creating an account K for a and informing b; 4. b, feeding back information of successful account creation to a; 5. a, storing x dollars into the K account of d; 6. a comes to a shop c, and proposes a service s to be consumed to the shop c; 7. c providing service s to a; 8. a, after the service s is finished, confirming to b that the service s is finished; 9. b, informing the information of the service s ending to d; 10. d, paying the cost corresponding to the service s to the c; 11. c, informing d that the cost corresponding to the service s is received; 12. c informs b that the service s has been completed and receives the corresponding fee.
The stored value consumption method of the invention coordinates the relationship among the consumer, the chain company, the franchised shop and the fourth trusted institution, and the consumer can purchase the stored value service once and consume for many times. For consumers and service parties, namely franchised shops, chain companies and trusted organizations are added to jointly complete the functions of batch purchase service, multiple consumption, separate settlement service and value storage. In addition, interest generated because the consumption behavior is not completely realized can be returned to the consumer, or returned to an affiliated store or a chain company, or owned by a fourth party credible institution in the time of gradual consumption. For the general service purchased by the consumer at the chain company, different franchisee shops can be selected to carry out delivery, so that the problem that the franchisee shops are held by one franchisee shop can not occur, and the problem that the franchisee shops cannot pay for the prepayment fee because of being closed can not occur. For a particular service purchased by a consumer at a chain, although the delivery may only be made at a member store, if the member store is closed or otherwise transferred, the chain may cooperate with the fourth party trusted authority to return the prepaid fee to the consumer. If the chain company closes, the fourth trusted authority may also return the amount of the service that the consumer purchased from the chain company but has not yet consumed to the consumer. Therefore, the risk of prepayment of stored value fees by consumers can be effectively eliminated, and the money loss of the consumers and the trust crisis for chain companies are avoided.
In order to implement the stored value consumption method of the above embodiment, the invention also provides a stored value consumption system.
As shown in FIG. 4, a stored value consumption system of an embodiment of the invention includes a consumer terminal 10, a server 20, a database 30, a merchant terminal 40, an escrow account platform 50, and a merchant account platform 60. Wherein, the consumer terminal 10 is used for receiving the stored value service information sent by the server 20 and paying a first amount according to the payment request; the server 20 is used for transmitting the stored value service information and the payment request to the consumer terminal 10, and for transmitting the consumption information to the escrow account platform 50 and the consumption completion information to the merchant terminal 40; the database 30 is used for storing data of the server 20; the merchant terminal 40 is used for acquiring the set stored value service information and receiving the consumption completion information sent by the server 20; escrow account platform 50 is configured to pay merchant account platform 60 a second amount based on the consumption information.
Specifically, the flow of opening a card for a package card of the stored-value consumption system based on the embodiment of the present invention is shown in fig. 5, first, a consumer may open a package card commodity page of a server to browse and select package card commodity information by using an APP (including a native APP, an H5 page, an applet, etc.) through a consumer terminal, such as a mobile phone, a computer, etc., and the package card commodity information may be preset by a merchant terminal. Then, the server can send a payment page back to the consumer terminal, wherein the payment page comprises commodity information, price information and the like, the consumer pays on the consumer terminal in a mode of WeChat payment, Payment treasure payment, Unionpay payment and the like, and the payment request comprises the consumer information, the commodity information and the escrow account information. The escrow account can send consumer information and commodity information to the server after receiving the payment made by the consumer, the server confirms that the transaction is successful after confirming the successful payment, and records the data to the database, wherein the recorded data comprises the consumer information, the package card information and the merchant information. And finally, the server sends the package card opening information, the escrow account information (including balance and the transaction amount) and the like to the merchant terminal.
The consumption flow of the package card of the stored-value consumption system based on the embodiment of the invention is shown in fig. 6, firstly, when a customer actually consumes or after the customer actually consumes, settlement can be requested from a server through a merchant terminal (for example, settlement is performed according to a preset 30 yuan of car washing, or the settlement is performed according to 224 yuan actually), the request comprises customer information, consumption information, merchant information and settlement amount, wherein the server can select to send a deduction request to the customer terminal, and the customer enters a subsequent flow after confirming the payment. The server may then send instructions to the escrow account requesting the escrow customer to make a payment to the merchant account, the instruction information including the amount of money, customer information, and the like. After receiving the instruction, the escrow account can transfer the corresponding money into the merchant account, and after transferring money, the escrow account can inform the server that the money is transferred successfully. The server may record relevant information in the database, including package card balance, consumption records, and the like. Meanwhile, the server can inform the consumer terminal and the merchant terminal of the relevant consumption records, the money making records and the like.
In addition, the server can also provide a package card management interface to provide functions of package card addition, deletion, modification and query, and can add service item information in the package card, such as car washing for 2 times, stored value of 200 yuan and the like. The server may also provide a query management interface for hosting the account, including creating an account for the merchant, querying balances, querying consumer payment records, querying merchant payment records, and the like.
According to the stored value consumption system provided by the embodiment of the invention, the risk of prepaying the stored value fee by the consumer can be effectively eliminated, and the money loss of the consumer and the trust crisis for chain companies are avoided.
In the description of the present invention, the terms "first" and "second" are used for descriptive purposes only and are not to be construed as indicating or implying relative importance or implying any number of technical features indicated. Thus, a feature defined as "first" or "second" may explicitly or implicitly include one or more of that feature. The meaning of "plurality" is two or more unless specifically limited otherwise.
In the description herein, references to the description of the term "one embodiment," "some embodiments," "an example," "a specific example," or "some examples," etc., mean that a particular feature, structure, material, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the invention. In this specification, the schematic representations of the terms used above are not necessarily intended to refer to the same embodiment or example. Furthermore, the particular features, structures, materials, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples. Furthermore, various embodiments or examples and features of different embodiments or examples described in this specification can be combined and combined by one skilled in the art without contradiction.
Although embodiments of the present invention have been shown and described, it will be appreciated by those skilled in the art that changes, modifications, substitutions and alterations can be made in these embodiments without departing from the principles and spirit of the invention, the scope of which is defined in the appended claims and their equivalents.
Claims (6)
1. A stored value consumption method, comprising the steps of:
the method comprises the steps that a consumer purchases a stored value service of a chain company, a stored value account is correspondingly established in a trusted institution, and a first amount is stored in the stored value account, wherein the chain company correspondingly has a plurality of affiliated shops;
after the consumer consumes a second amount of money on any affiliated shop, the linkage company sends consumption completion information to the trusted authority, wherein the sum of the second amount of money consumed by the consumer on all affiliated shops is less than or equal to the first amount of money;
and after receiving the consumption completion information, the trusted authority pays the second amount in the stored-value account to the corresponding affiliated store.
2. The stored-value consumption method of claim 1, wherein the trusted authority, upon receiving the consumption completion information, further pays the interest generated during the storage of the second amount in the stored-value account of the trusted authority to the corresponding affiliate store.
3. The stored value consumption method of claim 2, wherein interest accrued by the remaining amount of money in the stored value account is retained by the trusted authority or returned by the trusted authority to the consumer, the chain, or the affiliated store.
4. The stored-value consumption method of any of claims 1-3, wherein the second amount corresponds to services of the affiliated store, wherein the affiliate store is unable to provide services, wherein the chain sends a fee refund message to the trusted authority, and wherein the trusted authority refunds the second amount in the stored-value account to the consumer upon receiving the fee refund message.
5. The stored value consumption method of claim 4, wherein the trusted authority returns the remaining amount of money in the stored value account to the consumer when the chain is shut down.
6. A stored-value consumption system is characterized by comprising a consumer terminal, a server, a database, a merchant terminal, an escrow account platform and a merchant account platform,
the consumer terminal is used for receiving the stored value service information sent by the server and paying a first amount according to the payment request;
the server is used for sending the stored-value service information and the payment request to the consumer terminal, and sending consumption information to the escrow account platform and consumption completion information to the merchant terminal;
the database is used for storing the data of the server;
the merchant terminal is used for acquiring the stored value service setting information and receiving the consumption completion information sent by the server;
the escrow account platform is configured to pay a second amount to the merchant account platform based on the consumption information.
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| CN201911249402.4A CN110930140A (en) | 2019-12-09 | 2019-12-09 | Stored value consumption method and system |
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Application publication date: 20200327 |