CN111047325B

CN111047325B - Collecting system and method

Info

Publication number: CN111047325B
Application number: CN201811186262.6A
Authority: CN
Inventors: 许财义
Original assignee: Xiamen Cool Cat Technology Co ltd
Current assignee: Xiamen Cool Cat Technology Co ltd
Priority date: 2018-10-12
Filing date: 2018-10-12
Publication date: 2024-01-16
Anticipated expiration: 2038-10-12
Also published as: CN111047325A

Abstract

The invention provides a cash collecting system and a method, wherein the system comprises the following components: a collecting terminal for generating a collecting instruction according to the transaction information; the payment terminal is used for generating a payment instruction and payment transaction information; and the first server is used for acquiring the payment party identification of the payment terminal and carrying out information interaction with the collection terminal, the second server and the third server, wherein the second server comprises identification information and characteristic information, and the third server comprises payment transaction information. By utilizing the system, the payment identity of the payer and other identities can be associated through one-time payment interaction, and the separation of information flow and fund flow is achieved; the payment transaction is completed, and meanwhile, the change of other identity corresponding information can be realized, so that the information requirements of platform operators such as shopping centers and other related third parties are met.

Description

Collecting system and method

Technical Field

The invention relates to the technical field of electronics, in particular to a cash collecting system and a cash collecting method.

Background

Along with the rapid development of internet science and technology and the rapid popularization of mobile payment, more and more entity merchants accept the mobile payment, payees can carry out the mobile payment through mobile phone APP such as WeChat, payment treasures, cloud flash payment and the like besides cash and traditional bank card payment, and the payment is completed through interaction with merchant cash-receiving terminals; however, the payment link in the prior art is often only capable of meeting the money transaction between the payer and the payee, and has no other functions, and only the payee/payer is considered in the function design, but the consideration of the relevant third party such as the platform operator is absent.

With the increasing commercial competition, merchants are generally developing member loyalty programs to collect consumer information and conduct data analysis, business policy adjustments, and the like. In order to collect payer information in a payment link, merchants generally inquire about member card numbers, mobile phone numbers and the like of consumers or prompt the consumers to scan the two-dimension codes of points. The operations are time-consuming and labor-consuming, and often require a payer to download merchant APP or pick up merchant WeChat/Payment card membership cards and register members in advance, and the operation flow is time-consuming and complicated, so that the consumption experience is obviously reduced, and only a limited proportion of the total transaction can be associated to the identity of the payer.

In addition to the acquirer/payer, there often exists a third party in the physical business who is concerned about the transaction information, which is typically the case with shopping malls as platform operators. As a platform operator, the shopping center is used for uniformly managing merchants on one side and is responsible for constructing tenant combinations to meet various demands of consumers; in daily management, a shopping center often needs to monitor real-time transactions of merchants to meet the moisturizing requirement and conduct data analysis; the shopping mall business also deals with developing member loyalty programs by issuing shopping mall points to payers of merchants. However, as previously mentioned, the payment link in the prior art often only considers the payee/payer. The payor in the shopping center scene needs to hold the merchant to consume the ticket to the customer service desk to transact the points, and compared with the condition that the merchant inquires the membership card number and the mobile phone number, the arranged experience is poorer, and the point proportion is lower.

The main technical method for solving the problems in the market at present is that a platform operator installs monitoring hardware between a merchant cashing computer and a receipt printer. The monitoring hardware reads the printing data stream and restores the printing data stream into a printing text, transaction information in the printing text is extracted according to preset rules, and finally, a means of adding a printing point two-dimensional code on a receipt to provide the payment person with transaction points is adopted, so that the final purpose of associating the transaction information with the payment person identity is achieved. However, this approach suffers from several drawbacks: 1. the cost of purchasing and maintaining the monitoring hardware is relatively high; 2. the invasion degree to the merchant system is high, so that abnormal paper output of the merchant receipt printer is easily caused; 3. the merchant cannot be guaranteed to print the transaction receipt and transmit the transaction receipt to the payer; 4. the payer needs to scan the code twice during mobile payment, and the operation is complicated; 5. such as the merchant adjusting the cashing system, the configuration of the receipt printer, or the format of the receipt, etc., can affect the accuracy of receipt identification and easily cause point failure, etc.

It can be seen that, in the payment link, the association of the identity of the payer is a common requirement of the merchant and the related third party, but the prior art scheme often forms a barrier to the merchant and the third party such as the platform operator due to poor experience of the payer and other technical defects.

The publication number CN106067124A discloses a method for scanning two-dimension code payment and recording consumption points and rebate in real time, and the distribution of consumption amount and rebate funds is realized by creating the association relation between a consumption capital operation platform and a alliance merchant and a two-dimension code payment platform, but in actual operation, a user needs to register members on the consumption operation platform through a client, and funds after settlement are distributed according to a preset proportion through the consumption capital platform, so that for a payer, app needs to be downloaded before payment and registered, and the steps are complicated; for the merchant of the payee, the speed of funds reflux is slowed down, and the intermediate cost is increased; in addition, the scheme also relates to the 'two clear' operation forbidden by the existing regulations.

Disclosure of Invention

In order to solve the above-mentioned problems in the prior art, that is, to solve the problem of how to synchronize information to merchants or related third parties in real time associated with payer identities in a payment environment without involving a funds flow, the present invention provides a collection system and method.

In a first aspect the invention provides a cash register system, the system comprising,

the collection terminal is used for generating a collection instruction according to the transaction information;

The payment terminal is used for responding to the collection instruction, starting a payment application to generate a payment instruction and payment transaction information, and sending the payment transaction information to a third server;

the first server is used for acquiring a payer identifier in a payment instruction of the payment terminal and carrying out information interaction with the collection terminal, the second server and the third server;

the second server comprises identification information and characteristic information, and is used for acquiring payment transaction information corresponding to the identification information and sending the identification information and the corresponding characteristic information to the first server;

and the third server is used for carrying out payment transaction according to the payment transaction information, completing the payment transaction and sending the payment transaction to the first server.

The payer identification in the first server is associated with identification information in the second server.

In one embodiment, the cash register terminal includes:

a first acquisition module: for obtaining the amount of the payment to be paid,

and a selection module: the payment method is used for selecting a corresponding payment mode according to the requirements of a payer;

the generation module is used for: a receipt instruction for generating a receipt instruction including at least an order number, a consumption amount, and a payee identification;

An access module; the payment terminal is used for interacting with the payment terminal according to the corresponding payment mode, and sending the acquired payment party identifier to a first server;

the payment mode comprises one or more of payment party scanning and collecting codes, payment party presenting and collecting codes, NFC identification, magnetic stripe identification, fingerprint identification and face identification.

In one embodiment, the payment terminal includes:

responding to the application: the payment system is used for responding to the collection instruction, starting a payment application and informing the payment application to conduct payment transaction;

payment application: and the payment transaction processing module is used for carrying out payment transaction according to the collection instruction and sending the payment transaction to a third server.

In one embodiment, the first server includes an authentication module, the authentication module including:

and the connection module is as follows: for transmitting authentication identification information when a connection is established;

and an authentication module: and the device is used for receiving the authentication feedback information and judging whether to establish connection according to the authentication feedback information.

In one embodiment, the first server includes:

the communication module is used for respectively establishing the connection between the first server and the collection terminal, between the first server and the third server and between the first server and the third server;

the second acquisition module is used for respectively acquiring the payer identifier, the payment application identifier and the payment transaction information;

The first notification module is used for generating notification of the payer identification and the corresponding payment transaction information and sending the notification to the second server.

In one embodiment, the second server comprises,

the preset module is used for presetting a payment application identifier, payment transaction information and a change rule of specific information;

and a receiving module: the payment party identifier is used for receiving a notification of the payment application identifier and the payment transaction information, which are sent by the first service;

the searching module is used for searching the identification information matched with the payment party identification in the second server;

and the changing module is used for changing the corresponding characteristic information according to the corresponding payment application identifier and the payment transaction information.

In one embodiment, the second server further comprises,

the third acquisition module is used for acquiring a communication mode corresponding to the identification of the paying party;

the editing module is used for editing the change information of the corresponding characteristic information according to the format of the communication mode;

the second notification module is used for sending the change information to the payer;

the communication mode at least comprises one or more of a mobile phone number, a mailbox, a payment application account and a response application account.

In one embodiment, the first server comprises;

the adjusting module is used for adjusting the collection amount in the collection instruction through the characteristic information in the second server;

the characteristic information comprises one or more of preferential information, discount information and marketing information.

In one embodiment, the checkout terminal includes,

the positioning module is used for acquiring the position information of the receiving terminal;

the prompt module is used for sending an alarm prompt according to the position information;

the second server may comprise a server that is configured to,

the position matching module is used for acquiring position information and matching the position information with a preset position interval;

and the permission module is used for setting the issuing permission of the characteristic information according to the position matching information.

As a further aspect of the present invention, embodiments of the present invention provide a method of collecting money, the method comprising;

establishing communication connection between the first server and the second and third servers;

the collection terminal generates a collection instruction according to the transaction information;

the payment terminal responds to the collection instruction, and starts a payment application to generate a payment instruction and payment transaction information;

the method comprises the steps that a first server obtains a payer identifier in a payment instruction of a payment terminal, and sends transaction payment information to a second server and obtains transaction payment information of a third server through the payment identifier;

The second server acquires corresponding payment transaction information and sends corresponding identification information and characteristics to the first server;

and the third server performs payment transaction according to the payment transaction information, and completes and sends the payment transaction information to the first server.

The technical scheme provided by the embodiment of the invention has the beneficial effects that at least:

the system realizes real-time association of the identity of the payer in the payment environment through reasonable configuration of the terminal and the server, and synchronizes information to a merchant or a related third party system on the premise of not involving fund flow, namely, the payment identity of the payer and other identities can be associated through one-time payment interaction; and the information flow is separated from the fund flow, and the supervision requirement of merchants or related third parties on the information flow is met under the condition that the fund flow is not involved.

Additional features and advantages of the invention will be set forth in the description which follows, and in part will be obvious from the description, or may be learned by practice of the invention. The objectives and other advantages of the invention will be realized and attained by the structure particularly pointed out in the written description and claims thereof as well as the appended drawings.

The technical scheme of the invention is further described in detail through the drawings and the embodiments.

Drawings

The accompanying drawings are included to provide a further understanding of the invention and are incorporated in and constitute a part of this specification, illustrate the invention and together with the embodiments of the invention, serve to explain the invention. In the drawings.

Fig. 1 is a flowchart of a method according to a first embodiment of the present invention.

Fig. 2 is a flowchart of interaction with a second server according to a first embodiment of the present invention.

FIG. 3 is a flowchart of a payment instruction receiving method according to a first embodiment of the present invention.

Fig. 4 is a flowchart of an apparatus according to a first embodiment of the present invention.

Fig. 5 is a flowchart of a method provided in a second embodiment of the present invention.

Fig. 6 is a block diagram of an apparatus provided in a second embodiment of the present invention.

Fig. 7 is a block diagram of a system provided in a third embodiment of the present invention.

Fig. 8 is a block diagram of a cash register terminal according to a third embodiment of the present invention.

Fig. 9 is a block diagram of a second server according to a third embodiment of the present invention.

Fig. 10 is a flowchart of a method provided in the third embodiment of the present invention.

Detailed Description

Exemplary embodiments of the present disclosure will be described in more detail below with reference to the accompanying drawings. While exemplary embodiments of the present disclosure are shown in the drawings, it should be understood that the present disclosure may be embodied in various forms and should not be limited to the embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the scope of the disclosure to those skilled in the art.

Example 1

The payment link in the prior art can only meet the currency transaction between the payer and the payee, has no other function, and requires other additional operations when the payer needs to associate the payment identity with other identities in the payment process. For example, when a payer makes a purchase at a mall, a payment is often accompanied by a mall membership credit, and methods according to the prior art at least require steps beyond the payer's provision of a membership number or other payment operation at the time of payment.

This embodiment provides a method for associating payer identities in a payment environment, as shown in fig. 1, the method comprising,

s101, generating a collection instruction according to transaction information;

s102, receiving a payment instruction of a payer in response to the collection instruction;

s103, connection is established with a payment application generating a payment instruction, and a payer identifier is obtained;

s104, transmitting the payer identifier to a first server, and acquiring payment application identifiers and payment transaction information by the first server;

s105, generating a notice of payment party identification and corresponding payment application identification and payment transaction information;

s106, sending the data to the second server.

The present embodiment is a multi-threading method, and the step numbers are not limited to specific step sequences.

In S101, the transaction information includes a consumption amount and a payment manner of a payment party, a payment terminal identifier, and a payment party identifier, where the consumption amount may be manually input by a payment person, or may be automatically generated according to a commodity or service barcode; the payment modes can be single payment interfaces or integrated interfaces, including multiple payment interfaces, and when a payer selects a designated payment mode to respond, the payment modes are automatically identified and a connection is established with the corresponding payment mode.

In S102, the payer responds to the collection instruction generated in S101 through the mobile terminal or other modes, and after the response application or other response body of the payer obtains the transaction information, starts the payment application, and generates a payment instruction, where the payment instruction includes transaction information, a payer identifier, a payee identifier, and a payment application identifier, and the transaction information includes a order number, an amount, time, and the like.

In S103, connection is established with the payment application, and the identity of the payment party in the payment application is obtained; the payment application can be a payment treasured, weChat, QQ wallet and the like which can be used for payment.

In S104, the first server may be connected to a payment mechanism server, such as a pull card, a communication, a silver-linked business, or other servers capable of obtaining payment transaction information and status; the first server identifies information such as a payer identifier in a payment instruction, and acquires payment transaction information and state information through other servers including transaction information states, wherein the payment transaction information can include a order number, a payee identity identifier, a transaction account number, a transaction amount, payment completion time and the like; status information may include complete, to-complete, incomplete, cancel, etc.

In S105, the obtained payer identifier, the corresponding payment application identifier, and the payment transaction information are associated correspondingly, and a notification in a preset format is generated.

In S106, the other identities related to the payer identification are obtained and associated by the payment method described above, that is, by implementing the payment method without requiring other operations, wherein the other operations include: inputting a mobile phone number, inputting a membership card number, scanning an electronic membership card, scanning a point two-dimensional code, paying through a membership system APP and the like, directly responding to a collection instruction through a terminal, completing payment, and transmitting corresponding transaction information to a second server, wherein the second server can be one or a plurality of second servers, and can comprise a membership system of a mall, a membership system of a merchant or other systems; when the second server receives the corresponding transaction information, the corresponding information can be changed according to the specific payer identifier and the transaction information, and the changed information can be directly sent to the payer according to the set mode, or can be sent to the first server, and returned to the payer through the first server, and the mode of returning to the payer is not particularly limited in the embodiment.

In the implementation, the payment party can complete the payment transaction through one payment action; and the information flow of the payer identification and the payment application identification, which are related to the payment transaction information, can be generated and transmitted to other servers independently without changing the flow direction of the fund flow, and the operation of the payer is facilitated, and the payer does not need to adopt other actions to acquire the integration and the like.

The information flow refers to the identity information of the paying party, the information of the payment application, the payment transaction information and some marketing information related to the paying party, wherein the obtained information flow comprises information such as points, coupons, promotions or discounts in the payment process; the funds flow refers to the process of the payer transferring his own funds to the merchant account after confirming the purchase of the goods.

Further, in the present embodiment, the method of "generating a collection instruction according to transaction information" includes:

acquiring the consumption amount of a paying party, selecting a corresponding payment mode according to the demand of the paying party, and generating a collection instruction at least comprising an order number, the consumption amount and a collection party identifier;

The method is applied to the collection terminal, and the collection instruction is manufactured by the client side installed in the collection terminal according to the acquired consumption amount, wherein the consumption amount can be manually input or transmitted and acquired by other equipment, and the collection party identification can comprise data information with identification functions such as equipment numbers, terminal numbers, merchant identifications, market identifications and the like.

The payment party can conduct payment transaction in an open mobile non-connection mode, the open mobile non-connection refers to the fact that aiming at the payment service requirement of an O2O scene, based on a POS acceptance network, the payment party is attached to the requirements of convenience and safety of a payment link, a non-connection terminal is taken as an acceptance machine, a mobile phone is supported as a medium, payment is initiated through various near field interaction modes such as NFC, two-dimensional codes and serial codes, a bank card (non-connection), various electronic accounts and virtual tickets can be accepted, the security digitization of the payment account is realized through a host virtual card (HCE) technology, and an open, safe and reliable payment acceptance environment is provided for customers; and provides all-round services such as marketing, transaction, management and the like for the business O2O business.

Further, in the present embodiment, the method of "establishing a connection with a payment application that generates a payment instruction" further includes:

transmitting authentication identification information when establishing connection;

and receiving authentication feedback information, and judging whether to establish connection according to the authentication feedback information.

Authentication refers to verifying whether an access party has the right to access a system, checking the validity and effectiveness of the access party for using a data service, and in this embodiment, authentication can be performed through account verification and corresponding key verification, wherein the key can be static or dynamic; other authentication methods that can guarantee security can also be used.

Further, in this embodiment, as shown in fig. 2, the method further includes,

s1061, establishing connection with the second server, wherein the second server comprises identification information and characteristic information; presetting a payment application identifier, payment transaction information and a change rule of specific information;

s1062, the second server receives the payment party identifier and the corresponding payment application identifier and the notification of payment transaction information;

s1063, searching identification information matched with the payment party identification in the second server;

s1064 alters the corresponding characteristic information according to the corresponding payment application identifier and the payment transaction information.

The second server may be a store member server, a merchant member server, or a server of which other third parties include data associated with the identification of the payer, and the identification information in the second server may be an ID having unique identification such as member information, user information, etc., for example, a phone number, a mailbox, an identification card, a driver license, a passport, a registration number, fingerprint information, face information, iris information, etc.; the characteristic information may include credit information, rating information, rights information, consumption information, offer information, liveness information, and some marketing information, such as: corresponding advertisement pushing information and sales promotion activities; the preset payment application identification, payment transaction information and specific information change rules are rules for modifying corresponding characteristic information through the payment application and the payment transaction information, the rules can be adjusted according to time or other factors, for example, during national celebration, the consumption of platinum members is increased by 600 points by 300 yuan, and the consumption of common members is increased by 400 points by 300 yuan; during mid-autumn, the platinum member consumes 300 yuan to issue 50 yuan coupons, the common member consumes 300 yuan to issue 30 yuan coupons, and the like.

In the step S1061, the second server establishes communication with the first server, may establish connection through a communication protocol after verification in an authorized manner or in an authenticated manner, receives a payer identifier and a corresponding payment application identifier and payment transaction information sent by the first server through the step S1062, converts a corresponding data format into a second server readable format, traverses the second server through the payment identifier in the step S1063, determines the matching with the identifier information therein, determines that the matching degree is different according to different identifier information, for example, when the payment identifier is a telephone number, all numbers are required to be the same, and when the identification information is a fingerprint, may use a point matching algorithm based on structural features to match the calibrated point set, and determines that the number of the matched feature points is matched within a range of about sixty percent of two point sets; in S1064, after determining the matched identification information, changing the feature information corresponding to the identification information, where the main body of the modification of the change information in the second server may be the first server sending a change instruction, changing the data of the second server, and the first server notifying the payer of the change information; the second server may receive the corresponding information, then independently change the corresponding information, and then directly send the changed information to the payer.

Further, in this embodiment, the method further includes;

when the matching identification information is found, the second server determines and records changed characteristic information according to the payment transaction information and the change rule;

when the matching identification information is not found, the second server adds the identification information, generates the identification information according to the payer identification, and generates the characteristic information according to the payment transaction information.

In this embodiment, when the matching identification information is found, modification and change are performed, for example, data of "identification a, platinum grade, 300 points" is stored in the second server, and the data is changed into "identification a, platinum grade, 900 points" by the second server according to corresponding change rules "2018/10/1-2018/10/1 platinum member consumption full 300 points" when receiving the notification of "identification a,2018/10/1, consumption 300 points" transmitted by the first server; when the matching identification information is not found, an addition change is performed, for example, a notification of 'identification A,2018/10/1 and consumption 300 yuan' transmitted by a first server is received, the search is performed through 'identification A', if 'identification A' is not found in a second server, the information is sent to 600 points according to the corresponding change rule '2018/10/1-2018/10/1 platinum member consumption full 300, 400 points are sent to 400 points' by a common member, a piece of data is newly added to the second server, and 'identification A, common member and 400 points' are changed in the above listed examples, wherein the changed characteristic information is only integral information, but the change of the characteristic information can simultaneously comprise a plurality of corresponding grade information, for example, the information can be adjusted according to the integral number, and the information is pushed according to the consumption time and type.

Further, in this embodiment, the method further comprises,

transmitting the payer identification to a first server;

the first server acquires corresponding identification information and characteristic information in the second server;

and storing the mapping relation of the payer identification, the payment application identification, the payment transaction information and the characteristic information in a correlated way.

In this embodiment, the identification information in the second server is searched through the payer identification, then the identification information and the corresponding feature information are obtained, and the related information and the mapping relation thereof are stored, wherein the payer identification corresponds to the identification information, for example, the payer identification and the identification information can be data with unique identification functions such as a mobile phone number, an identity card number and the like; the second server may be one server or a plurality of servers; the related information and the mapping relation thereof can be stored in the first server, the second server or other servers.

Further, in this embodiment, as shown in fig. 3, the method of receiving payment instruction of the payer in response to the payment instruction further includes,

s1021, acquiring the collection instruction through a response application;

S1022, the response application starts a corresponding payment application, and notifies the payment application to conduct payment transaction;

s1023, establishing connection with the response application and/or the payment application;

s1024 acquires the corresponding payer identification.

The application of the payor responding to the collection instruction may be a payment application, in this embodiment, the application of the payor responding to the collection instruction is a response application, that is, an application that does not have a direct payment function, such as a face, a you ku, and the like, has an identification function, and establishes a connection with a payment application or a payment mechanism, establishes a direct connection with the response application through a payment action, obtains a corresponding identifier of the payor in the response application after authentication, and may also obtain a corresponding identifier of the payor in the payment application through authorization at the same time because the response application has an authorized relationship with the payment application or the payment mechanism.

Further, in this embodiment, the method further includes:

acquiring a communication mode corresponding to the identification of the paying party;

editing the change information of the corresponding characteristic information according to the format of the communication mode;

transmitting the change information;

In this embodiment, the change information may be sent by the second server or may be sent by the first server, and priorities of different communication modes may be set according to different response applications, where when the associated information identified by the payer has only one communication mode, notification editing is performed only according to the communication format, and when multiple communication modes are included, the communication mode may be determined according to the set priorities, for example, when the response is performed by the micro-communication application, the priority of the micro-communication application account is higher than the mobile phone number, and the priority of the mobile phone number is higher than the mailbox.

In this embodiment, the location information of the payor may be obtained according to the payment transaction information, when the corresponding direct association feature information is changed, the indirect association feature information may be synchronously sent to the payor, for example, the B merchant in the B mall consumes the information, and when the merchant point is changed, the C shops that have paid in or near the B mall may be screened according to the historical consumption information, and corresponding marketing information, for example, sales promotion, preferential, etc., may be obtained, and the B mall point change information and the C shop preferential information may be synchronously sent to the payor.

Further, in the present embodiment, the method of "receiving a payment instruction of a payer in response to the collection instruction" includes;

acquiring a payer identifier, and acquiring characteristic information in a second server through the payer identifier;

changing the payment instruction through the characteristic information;

In this embodiment, before submitting payment information to a payment mechanism, according to the coupon and discount right recorded by a payer at a payee mechanism or a related mechanism server, deducting the coupon and submitting the coupon to the payment mechanism, for example, the payer a, the store D, and the consumption amount 200 yuan, and the store D or a member server of the store D include a 50 yuan coupon, and before submitting payment transaction information, a corresponding second server is read to obtain the 50 yuan coupon, and the charging amount in the payment instruction is changed from 200 yuan to 150 yuan; and meanwhile, the part of the expense can be deducted by using the points before payment, and the points are spended.

Further, in this embodiment, the method of transmitting the payer identifier to the first server, where the first server obtains the payment application identifier and the payment transaction information further includes;

Establishing connection between a first server and a second server;

determining the payment application identification and payment transaction information acquired by the first server through identification information in a second server; or alternatively

And acquiring the corresponding payment application identification and payment transaction information in the third server through the appointed information of the payment instruction. In this embodiment, one way is that the payer connects with the second server first, obtains the payer response application identifier by responding to the application authorization, associates the identifier information with the payer identifier and payment transaction information, and submits the identification information to the third server for transaction; the authorization module responding to the application can be clustered or cloud-containerized, and the like, so that high availability is ensured. The other way is that the payer is firstly connected with the third server, and then connected with the second server after successful transaction according to the transaction information, and the response application identification of the payer is obtained through response application authorization, and the identification information is associated with the payer identification and the payment transaction information; the specific information may be an order number, or may be other information capable of determining unique payment transaction information.

Based on the same inventive concept, the present embodiment further provides a device for associating payer identity under a payment environment, and the principle of the problem solved by the device is similar to that of the method of the foregoing embodiment, so that implementation of the device for associating payer identity under a payment environment can refer to implementation of the method of the foregoing embodiment, and repeated parts are omitted.

Further, as still another aspect of this embodiment, an embodiment of the present invention further provides an apparatus for associating identities of payors in a payment environment, as shown in fig. 4, where the apparatus includes,

the collection module 101: generating a collection instruction according to the transaction information;

the receiving module 102: a payment instruction for receiving a payment party response to the collection instruction;

connection module 103: the method comprises the steps of establishing connection with a payment application for generating a payment instruction, and acquiring a payer identifier;

the first transmission module 104: the payment method comprises the steps of transmitting the payment party identifier to a first server, and acquiring payment application identifiers and payment transaction information by the first server;

the second transmission module 105: for generating a notice of the payer identification and corresponding payment application identification, payment transaction information, and transmitting to the second server 400.

Based on the same inventive concept, the present embodiment also provides a collection terminal and a storage medium, and because the principle of the problem solved by the terminal and the storage medium is similar to the method of associating the identity of the payer in the payment environment of the foregoing embodiment, the implementation of the terminal and the storage medium can refer to the implementation of the method of the foregoing embodiment, and the repetition is omitted.

In a third aspect of the present embodiment, there is also provided a collecting terminal including:

a processor;

a storage device for storing a program;

when the processor executes the program stored in the storage device, the processor implements a method of associating payer identities in a payment environment as described in any one of the above.

In a fourth aspect of the present embodiment, there is also provided a storage medium having stored thereon a computer program which, when executed by a processor, implements a method of associating payer identities in a payment environment as set forth in any one of the preceding claims.

In this embodiment, the stored computer program may include two parts, one part is an APP client program installed on the collecting terminal, and the other part is an APP server program established at the cloud, where the APP client is connected to an APP server (first server), and the APP server is connected to a payment mechanism server (third server for providing payment application identification, payment transaction information) and a member server (second server).

In this embodiment, after the money is collected by the collection terminal through the payment mechanism such as pull card, communication, and Unionpay, the t+N is settled to the collection party without going through other mechanism bank accounts, for example: a second cleaning platform and a third party mechanism; the information flow integrates the payee identifier, the payer identifier and the transaction information and then is sent to the payer and the payee and is also sent to a third party mechanism, for example, a supervision party of a merchant, which can be a department store, a shopping center or other supervision mechanisms; the third party mechanism does not participate in the actual funds circulation, but can legally obtain transaction data, and the operations of the paying party and the collecting party are not increased.

Wherein, the term "two-clear" refers to a mechanism of "one-clear"; the POS machine or the cashing terminal of the first clearing mechanism directly carries out clearing through a bank or a third party payment company obtaining a payment license plate, and transaction settlement is directly transferred to a merchant; the two-clear POS machine or the cashing terminal needs to carry out two-time clearing, namely, the settlement funds are firstly transferred to an account opened by the two-clear company by a bank or a third party payment mechanism, and are then settled to a merchant after being processed by the company. The consumer operations platform in publication number CN106067124a is similar to the two-definition platform.

Example two

The principle of the problem to be solved in this embodiment is similar to that of the first embodiment, so some of the contents can be referred to the implementation of the first embodiment, and the repetition is omitted.

This embodiment provides a method for collecting payer identities in a payment environment, as shown in fig. 5, the method comprising,

s201, a first server is established, and connection between the first server and the second server and connection between the first server and the third server are established;

s202, receiving a payment instruction of a payer in response to a collection instruction, establishing connection with a payment application generating the payment instruction, and acquiring a payer identifier;

s203, acquiring a payment application identifier and payment transaction information in a third server;

s204, sending the payer identification, the payment application identification and the payment transaction information generation notice to a second server, and acquiring identification information matched with the payer identification in the second server;

s205 generates and stores the payer identification, payment application identification, payment transaction information, and mapping information of the identification information in association.

In S205, the payer identifier, the payment application identifier, the payment transaction information, and the mapping information of the identifier information may be stored in the first server, may be stored in the second server, and may be transmitted and stored in another server or terminal.

In this embodiment, the first server obtains the payment instruction to obtain the identifier of the payer, and obtains other information corresponding to the identity of the payer through connection with the second service, where the second server is similar to the second server in the first embodiment, and may be a store member server, a merchant member server, and the like; and the third server is connected with the payment server to acquire the transaction information, and the payer identification, the payment application identification, the payment transaction information and the mapping relation among the identification information are stored, so that the collection of data information is realized, the supervision of a third party on the payment data stream is satisfied, and the collected data can be further analyzed and utilized.

Further, in this embodiment, the method further comprises,

acquiring identification information of a second server through the payer identification,

acquiring payment application identification and payment transaction information in a third server according to the identification information; or,

and acquiring the corresponding payment application identification and payment transaction information in the third server through the appointed information of the payment instruction.

Further, in this embodiment, the method further comprises,

the second server comprises identification information and characteristic information; presetting a payment application identifier, payment transaction information and a change rule of specific information;

The second server receives the payer identification, the corresponding payment application identification and the notification of payment transaction information;

searching identification information matched with the payer identification in the second server;

and changing the corresponding characteristic information according to the corresponding payment application identifier and the payment transaction information.

Further, in this embodiment, the method further comprises,

changing the payment instruction through the characteristic information;

Further, in this embodiment, the method further comprises,

traversing account designation identifications of the first server and/or the second server, and identifying repeated account designation identifications;

combining the repeated account appointed identifiers, and combining the corresponding information in an associated mode;

the account designation identifier comprises one or more of a mobile phone number, a mailbox, an identity card, a passport number and an application identifier.

Further, in this embodiment, the method further includes:

the payment transaction information comprises position information;

and setting a transaction range according to the position information, and setting different transaction authorities in different transaction ranges.

In this embodiment, the location information of the payor is obtained through the locating device in the terminal device, and different collection intervals may be set according to the geographic orientations of different collection parties, where the different collection intervals correspond to different transaction ranges, for example: the collection section or the transaction range is arranged in a range with the position of the store of the collection party as the center and with the radius of 1000 meters, and when the acquired position information exceeds the position of the store of the collection party by 1000 meters, the corresponding characteristic information including points, coupons, prompts such as alarming and the like is not changed. The specific transaction range and authority can be determined according to the requirements and the precision of the combined positioning module.

Further, in this embodiment, the method of receiving payment instructions from a payer in response to the collection instruction further includes,

acquiring the collection instruction through a response application;

the response application starts a corresponding payment application and notifies the payment application to conduct payment transaction;

establishing a connection with the response application and/or payment application;

and obtaining a corresponding payer identifier.

Further, in this embodiment, the method further includes:

editing a changed characteristic information format corresponding to the communication mode;

Transmitting the corresponding changed characteristic information to a paying party through a corresponding communication mode;

Based on the same inventive concept, the present embodiment also provides a device for collecting the identity of the payer in the payment environment, and the principle of the problem solved by the device is similar to that of the method of the foregoing embodiment, so that the implementation of the device for collecting the identity of the payer in the payment environment can refer to the implementation of the method of the foregoing embodiment, and the repetition is omitted.

Further, as yet another aspect of the present embodiment, as shown in fig. 6, there is provided an apparatus for collecting payer identities in a payment environment, the apparatus comprising,

a creation module 201, configured to create a first server 300, and establish a connection between the first server 300 and the second server 400 and a connection between the first server 500 and a third server;

a receiving module 202, configured to receive a payment instruction of a payer in response to a collection instruction, establish a connection with a payment application that generates the payment instruction, and obtain a payer identifier;

an obtaining module 203, configured to obtain the payment application identifier and the payment transaction information in the third server 500;

A third transmission module 204, configured to send the payer identifier, the payment application identifier, and the payment transaction information generation notification to the second server 400, and obtain the identifier information in the second server 400 that matches with the payer identifier;

and the storage module 205 is used for generating and storing the mapping information of the payer identification, the payment application identification, the payment transaction information and the identification information in an associated mode.

Based on the same inventive concept, the present embodiment also provides a server and a storage medium, and because the principle of the problem solved by the server and the storage medium is similar to that of the method for collecting the identity of the payer in the payment environment of the foregoing embodiment, the implementation of the server and the storage medium can refer to the implementation of the method of the foregoing embodiment, and the repetition is omitted.

In a third aspect of the present embodiment, there is also provided a server including:

a processor;

a storage device for storing a program;

when the processor executes the program stored in the storage device, the processor implements a method of collecting payer identities in a payment environment as described in any one of the above.

In a fourth aspect of the present embodiment, there is also provided a storage medium having stored thereon a computer program which, when executed by a processor, implements a method of collecting payer identities in a payment environment as set forth in any one of the preceding claims.

Example III

The principle of the solution of the problem in this embodiment is similar to that of the first and second embodiments, so some of the contents may refer to the implementation of the first and second embodiments, and the repetition is omitted.

The present embodiment provides a cash collecting system, as shown in fig. 7, comprising:

a collecting terminal 100 for generating a collecting instruction according to the transaction information;

the payment terminal 200 is configured to respond to the payment instruction, start a payment application to generate a payment instruction and payment transaction information, and send the payment transaction information to a third server;

the first server 300 is configured to obtain a payer identifier in a payment instruction of the payment terminal, and perform information interaction with the payment terminal, the second server, and the third server;

the second server 400 includes identification information and feature information, and is configured to obtain payment transaction information corresponding to the identification information, and send the identification information and the feature to the first server;

and the third server 500 is used for carrying out payment transaction according to the payment transaction information, and completing and sending the payment transaction to the first server.

The payer identification in the first server 300 is associated with identification information in the second server 400.

In this embodiment, the payment terminal and the payment terminal perform payment transaction in an open mobile universal non-connection manner, and the payment terminal transmits the acquired information to the first server, wherein a payment instruction can be generated at the payment terminal through a payment client installed on the payment terminal, for example, the payment instruction is generated through an APP; during payment, the receiving client transmits information to the first server, the receiving client interacts with the third server through the first server, specifically, the receiving client transmits a data instruction to the first server, the first server calls the third server, and the third server calls the data information of the payment application; after successful payment, the payment application informs the third server and the payer, the third server sends a notification message to the first server, and then the notification message is sent to the receiving client by the first server, and the receiving terminal displays the payment transaction state through the receiving client. In this embodiment, through the information interaction between the first server, the second server and the third server, separation of payment data and payment funds is realized.

Further, in this embodiment, as shown in fig. 8, the collecting terminal 100 includes:

the first acquisition module 3101: for obtaining the amount of the payment to be paid,

Selection module 3102: the payment method is used for selecting a corresponding payment mode according to the requirements of a payer;

generation module 3103: a receipt instruction for generating a receipt instruction including at least an order number, a consumption amount, and a payee identification;

an access module 3104; the payment terminal is used for interacting with the payment terminal according to the corresponding payment mode, and sending the acquired payment party identifier to a first server;

Further, in this embodiment, the payment terminal includes:

Further, in this embodiment, the first server includes an authentication module, where the authentication module includes:

and an authentication module: and receiving authentication feedback information, and judging whether to establish connection according to the authentication feedback information.

Further, in this embodiment, the first server includes:

Further, in this embodiment, as shown in fig. 9, the second server 400 includes,

the presetting module 3301 is used for presetting a payment application identifier, payment transaction information and a change rule of specific information;

the receiving module 3302: the payment party identifier is used for receiving a notification of the payment application identifier and the payment transaction information, which are sent by the first service;

a searching module 3303, configured to search the second server for identification information that matches the payer identification;

the changing module 3304 is configured to change the corresponding feature information according to the corresponding payment application identifier and the payment transaction information.

Further, in this embodiment, the second server further includes,

Further, in this embodiment, the first server includes;

Further, in this embodiment, the cash register terminal includes,

the second server may comprise a server that is configured to,

Based on the same inventive concept, the present embodiment also provides a collection method, and the principle of the problem solved by the method is similar to that of the collection system of the foregoing embodiment, so that the implementation of the collection method can refer to the implementation of the system of the foregoing embodiment, and the repetition is omitted.

In yet another aspect of the present embodiment, there is also provided a method of collecting money, as in fig. 10, the method including;

s301, establishing communication connection between a first server, a second server and a third server;

s302, the collection terminal generates a collection instruction according to the transaction information;

s303, the payment terminal responds to the collection instruction, and starts a payment application to generate a payment instruction and payment transaction information;

s304, the first server acquires a payment party identifier in a payment instruction of the payment terminal, and sends transaction payment information to the second server and acquires transaction payment information of the third server through the payment identifier;

s305, the second server acquires corresponding payment transaction information and sends corresponding identification information and characteristics to the first server;

and S306, the third server performs payment transaction according to the payment transaction information, and the payment transaction is completed and sent to the first server.

According to the embodiment of the invention, the information flow data from multiple parties in the payment environment is collected and stored, so that the accuracy of consumer portraits is improved, and more targeted services can be provided for consumers; moreover, the separation of the data stream and the fund stream is realized, and the information can be synchronized to a merchant or a related third party on the premise of not involving the fund stream; in addition, the steps of collecting the information flow data and synchronizing the information with the merchant or the related third party do not need the consumers to carry out additional operations, such as code scanning, mobile phone number reporting and the like, so that the links of the transaction are reduced, and the time cost of the two parties is saved.

The application range of the embodiment of the invention at least can comprise a shopping center, a department store, a chain store, and other related third parties which are not only direct payees, but also platform operators or franchises which are concerned about transaction conditions.

It will be appreciated by those skilled in the art that 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, magnetic disk storage, optical storage, and the like) having computer-usable program code embodied therein.

The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems) and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations 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 modifications and variations can be made to the present invention without departing from the spirit or scope of the invention. However, those skilled in the art may make equivalent changes or substitutions to the related technical features without departing from the principles of the present invention, and the technical solutions after such changes or substitutions fall within the scope of the present invention, which is not limited to these specific embodiments.

Claims

1. A cash collection system, the system comprising:

the second server comprises identification information and characteristic information and is used for acquiring payment transaction information corresponding to the identification information and sending the identification information and the characteristic to the first server;

the third server is used for carrying out payment transaction according to the payment transaction information, completing the payment transaction and sending the first server;

the payer identification in the first server is associated with identification information in the second server;

wherein, the payment terminal includes: responding to the application: the payment system is used for responding to the collection instruction, starting a payment application and informing the payment application to conduct payment transaction;

payment application: the payment transaction processing device is used for carrying out payment transaction according to the collection instruction and sending the payment transaction to a third server;

Wherein the first server includes an authentication module, the authentication module including: and the connection module is as follows: for transmitting authentication identification information when a connection is established;

and an authentication module: the device is used for receiving authentication feedback information and judging whether to establish connection according to the authentication feedback information;

the second server comprises a preset module, a first server and a second server, wherein the preset module is used for presetting a payment application identifier, payment transaction information and a change rule of specific information;

2. The system of claim 1, wherein the checkout terminal includes:

a first acquisition module: a selection module for obtaining the amount of the payment party, the selection module: the payment method is used for selecting a corresponding payment mode according to the requirements of a payer;

3. The system of claim 2, wherein the first server comprises: the communication module is used for respectively establishing the connection between the first server and the collection terminal, between the first server and the third server and between the first server and the third server;

4. The system of claim 3, wherein the second server further comprises a third obtaining module, configured to obtain a communication mode corresponding to the identifier of the payer;

5. The system of claim 4, wherein the first server comprises;

6. The system of claim 1, wherein the collection terminal comprises a positioning module for obtaining location information of the collection terminal;

the second server may comprise a server that is configured to,

7. A method of collecting money, wherein the method of collecting money is based on the collection system of any one of claims 1 to 6, the method comprising;

the method comprises the steps that a first server obtains a payer identifier in a payment instruction of a payment terminal, and sends transaction payment information to a second server and obtains transaction payment information of a third server through the payer identifier;

the third server performs payment transaction according to the payment transaction information, completes the payment transaction information and sends the payment transaction information to the first server;