CN111667266A - Preferential payment system of bank card - Google Patents

Preferential payment system of bank card Download PDF

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Publication number
CN111667266A
CN111667266A CN202010415614.1A CN202010415614A CN111667266A CN 111667266 A CN111667266 A CN 111667266A CN 202010415614 A CN202010415614 A CN 202010415614A CN 111667266 A CN111667266 A CN 111667266A
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China
Prior art keywords
payment
information
bank card
bank
preferential
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CN202010415614.1A
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Chinese (zh)
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田志勇
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Individual
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Priority to CN202010415614.1A priority Critical patent/CN111667266A/en
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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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/409—Device specific authentication in transaction processing
    • 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G06Q30/0208—Trade or exchange of goods or services in exchange for incentives or rewards

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • Theoretical Computer Science (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • Development Economics (AREA)
  • Computer Security & Cryptography (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Entrepreneurship & Innovation (AREA)
  • Game Theory and Decision Science (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)

Abstract

The invention discloses a bank card preferential payment system, which comprises a preferential payment platform; the preferential payment platform comprises a personal information unit, a payment unit, a bank information unit and an integrating unit; the personal information unit comprises a personal account and a bank card packet; the payment unit comprises a payment scanning module and a payment security module; the bank information unit comprises a value-added service module and a discount information module; the integral unit comprises an integral mall and an integral consumption module. Has the advantages that: the bank card preferential payment system integrates different bank cards, value-added services of banks and preferential information, can freely select the appropriate bank card to pay according to requirements when consuming, can give the best preferential benefit to consumers, is convenient and practical, can improve the requirement of using the bank card by the consumers, and is convenient for bank drainage.

Description

Preferential payment system of bank card
Technical Field
The invention relates to the technical field of payment systems, in particular to a bank card preferential payment system.
Background
Value added services are a higher level of information demand provided by operators to consumers than basic services. Therefore, it must provide better and more discreet services, meeting the personalized requirements of different consumer groups. The value added service is determined by the characteristics of the value added service to be a diversified and comprehensive bundled service, different from a voice service, the value added service is a comprehensive service integrating voice, pictures, characters and the like, is rich and colorful in content, is wide in related range and is an integrated body of various services. The value added service provides a series of service combinations, and brings brand new experience to users.
When a bank sets different bank cards, different value-added services are usually added, at present, the types of bank cards circulating in the market are too numerous, a wallet of a user is opened, each user has at least two bank cards which can be divided into a credit card (credit card) and a debit card according to the use property, the credit card and the debit card are inseparable from the daily life of the user, different banks aim at different bank cards in different time, the value-added services are different, such as airline ticket discount, shopping discount and the like, but the value-added service information of the existing bank cards needs to open mobile phone APP or bank official networks of corresponding banks, related value-added services are searched according to needs, and when the number of the bank cards is large, comparison is needed, so that the use is inconvenient.
Disclosure of Invention
The invention aims to solve the problems and provide a bank card preferential payment system.
The invention realizes the purpose through the following technical scheme:
a bank card preferential payment system comprises a preferential payment platform; the preferential payment platform comprises a personal information unit, a payment unit, a bank information unit and an integrating unit; the personal information unit comprises a personal account and a bank card packet; the payment unit comprises a payment scanning module and a payment security module; the bank information unit comprises a value-added service module and a discount information module; the integral unit comprises an integral mall and an integral consumption module; the steps of using the preferential payment platform are as follows:
A. the user registers, personal identity information is input into the system, a private account exclusive to the person can be obtained, and bank card information applied under the name of the person is stored in a personal information unit to form a private bank card packet exclusive to the person;
B. acquiring discount information, wherein a bank information unit collects value-added service types and discount information of different banks aiming at different bank cards (debit cards or credit cards) and updates the value-added service types and the discount information in real time, and a discount information module corresponds the acquired discount information to all bank cards in a bank card package in a personal information unit one by one for payment preparation;
C. consumption discount, when a consumer uses the system to consume, the consumer scans the two-dimensional code for payment through the payment scanning module, when the payment information has a consumption type, the best preferential bank card is selected for payment according to the corresponding bank card discount information in the step B, when the payment information is only a payment account, the consumption type is selected firstly during payment, and then the best preferential bank card is selected for payment according to the corresponding bank card discount information in the step B;
D. the point accumulation unit is used for summing the point accumulation mall information of different banks to form a point accumulation mall, summing the points acquired after consumption of different bank cards or acquired in other modes, and exchanging or purchasing commodities or services through the point accumulation consumption module;
E. and the payment security module of the payment unit protects the bank card consumption and the point consumption under the personal account.
Furthermore, the discount payment platform also comprises an information display unit, wherein the information display unit comprises a bank card information module, a value added service information module and a discount information display module.
Furthermore, the information display unit updates bank card information, value added service information and preferential information issued by the bank in real time, and displays the information by regions and categories.
Furthermore, in the bank card package, the preferential information and the value added service type of the bank card are displayed corresponding to different bank cards.
Further, the value added service includes a value added service attached to purchase of an air ticket, a value added service of a hotel, discount or free physical examination (registered reservation), road rescue, commercial insurance and other value added services.
Further, the preference information comprises shopping preference, fueling preference, movie ticket preference, diet preference, accommodation preference, air ticket preference, life payment preference, communication preference, scenic spot ticket preference, network payment preference and other preference information.
Further, the information of the bank card comprises the type of the bank card and additional value added services of the bank card.
Further, in the step B, a consumption plan may be made in advance according to the preferential information corresponding to the bank card in the bank card package under the personal account.
Further, in the step D, in the points mall, a merchant designated by a bank may upload goods or services in the points mall, and a consumer may purchase in the points mall by using points or balance in a bank card.
Further, in the step E, the payment security module includes a fund transaction platform, a credit transaction platform, and an identity verification platform.
The invention has the beneficial effects that: the bank card preferential payment system integrates different bank cards, value-added services of banks and preferential information, can freely select the appropriate bank card to pay according to requirements when consuming, can give the best preferential benefit to consumers, is convenient and practical, can improve the requirement of using the bank card by the consumers, and is convenient for bank drainage.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to these drawings without creative efforts.
Fig. 1 is a system structure diagram of a bank card preferential payment system according to 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 bank card preferential payment system includes a preferential payment platform; the preferential payment platform comprises a personal information unit, a payment unit, a bank information unit and an integrating unit; the personal information unit comprises a personal account and a bank card packet; the payment unit comprises a payment scanning module and a payment security module; the bank information unit comprises a value-added service module and a discount information module; the integral unit comprises an integral mall and an integral consumption module; the steps of using the preferential payment platform are as follows:
A. the user registers, personal identity information is input into the system, a private account exclusive to the person can be obtained, and bank card information applied under the name of the person is stored in a personal information unit to form a private bank card packet exclusive to the person;
B. acquiring discount information, wherein a bank information unit collects value-added service types and discount information of different banks aiming at different bank cards (debit cards or credit cards) and updates the value-added service types and the discount information in real time, and a discount information module corresponds the acquired discount information to all bank cards in a bank card package in a personal information unit one by one for payment preparation;
C. consumption discount, when a consumer uses the system to consume, the consumer scans the two-dimensional code for payment through the payment scanning module, when the payment information has a consumption type, the best preferential bank card is selected for payment according to the corresponding bank card discount information in the step B, when the payment information is only a payment account, the consumption type is selected firstly during payment, and then the best preferential bank card is selected for payment according to the corresponding bank card discount information in the step B;
D. the point accumulation unit is used for summing the point accumulation mall information of different banks to form a point accumulation mall, summing the points acquired after consumption of different bank cards or acquired in other modes, and exchanging or purchasing commodities or services through the point accumulation consumption module;
E. and the payment security module of the payment unit protects the bank card consumption and the point consumption under the personal account.
In this embodiment, the discount payment platform further includes an information display unit, where the information display unit includes a bank card information module, a value added service information module, and a discount information display module.
In this embodiment, the information display unit updates bank card information, value added service information, and offer information issued by a bank in real time, and displays the information by regions and categories.
In this embodiment, the preferential information and the value added service type of the bank card are displayed in the bank card package corresponding to different bank cards.
In this embodiment, the value added service includes a value added service attached to the purchase of an air ticket, a value added service of a hotel, a discount or free physical examination (registration reservation), road rescue, commercial insurance, and other value added services.
In this embodiment, the offer information includes a shopping offer, a fueling offer, a movie ticket offer, a diet offer, an accommodation offer, an air ticket offer, a life payment offer, a communication offer, a sight spot ticket offer, a network payment offer (APP in-APP payment offer), and other offer information.
In this embodiment, the information of the bank card includes a type of the bank card and an additional value added service of the bank card.
In this embodiment, in the step B, a consumption plan may be made in advance according to the preferential information corresponding to the bank card in the bank card package under the personal account.
In this embodiment, in the step D, in the point mall, a merchant specified by a bank may upload goods or services in the point mall, and a consumer may use points or balance in a bank card to purchase in the point mall.
In this embodiment, in the step E, the payment security module includes a fund transaction platform, a point transaction platform, and an identity verification platform.
The invention is not to be considered as limited to the particular embodiments shown, but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.

Claims (10)

1. A bank card preferential payment system is characterized in that: the system comprises a discount payment platform; the preferential payment platform comprises a personal information unit, a payment unit, a bank information unit and an integrating unit; the personal information unit comprises a personal account and a bank card packet; the payment unit comprises a payment scanning module and a payment security module; the bank information unit comprises a value-added service module and a discount information module; the integral unit comprises an integral mall and an integral consumption module; the steps of using the preferential payment platform are as follows:
A. the user registers, personal identity information is input into the system, a private account exclusive to the person can be obtained, and bank card information applied under the name of the person is stored in a personal information unit to form a private bank card packet exclusive to the person;
B. acquiring discount information, wherein a bank information unit collects value-added service types and discount information of different banks aiming at different bank cards (debit cards or credit cards) and updates the value-added service types and the discount information in real time, and a discount information module corresponds the acquired discount information to all bank cards in a bank card package in a personal information unit one by one for payment preparation;
C. consumption discount, when a consumer uses the system to consume, the consumer scans the two-dimensional code for payment through the payment scanning module, when the payment information has a consumption type, the best preferential bank card is selected for payment according to the corresponding bank card discount information in the step B, when the payment information is only a payment account, the consumption type is selected firstly during payment, and then the best preferential bank card is selected for payment according to the corresponding bank card discount information in the step B;
D. the point accumulation unit is used for summing the point accumulation mall information of different banks to form a point accumulation mall, summing the points acquired after consumption of different bank cards or acquired in other modes, and exchanging or purchasing commodities or services through the point accumulation consumption module;
E. and the payment security module of the payment unit protects the bank card consumption and the point consumption under the personal account.
2. The bank card preferential payment system according to claim 1, characterized in that: the discount payment platform also comprises an information display unit, wherein the information display unit comprises a bank card information module, a value added service information module and a discount information display module.
3. The bank card preferential payment system according to claim 2, characterized in that: the information display unit updates bank card information, value added service information and preferential information issued by a bank in real time and displays the information by regions and categories.
4. The bank card preferential payment system according to claim 1, characterized in that: and in the bank card packet, the preferential information and the value added service type of the bank card are displayed corresponding to different bank cards.
5. The bank card preferential payment system according to claim 1, characterized in that: the value added services include value added services attached to the purchase of airline tickets, value added services of hotels, discounted or free physical examination (registration reservation), road rescue, commercial insurance and other value added services.
6. The bank card preferential payment system according to claim 1, characterized in that: the preference information comprises shopping preference, fueling preference, movie ticket preference, diet preference, accommodation preference, air ticket preference, life payment preference, communication preference, scenic spot ticket preference, network payment preference and other preference information.
7. The bank card preferential payment system according to claim 1, characterized in that: the bank card information comprises the type of the bank card and additional value added services of the bank card.
8. The bank card preferential payment system according to claim 7, characterized in that: in the step B, a consumption plan can be made in advance according to the discount information corresponding to the bank card in the bank card package under the personal account.
9. The bank card preferential payment system according to claim 1, characterized in that: in the step D, in the points mall, a merchant designated by a bank may upload goods or services in the points mall, and a consumer may purchase in the points mall by using points or balance in a bank card.
10. The bank card preferential payment system according to claim 1, characterized in that: in the step E, the payment security module comprises a fund transaction platform, a point transaction platform and an identity verification platform.
CN202010415614.1A 2020-05-16 2020-05-16 Preferential payment system of bank card Pending CN111667266A (en)

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Citations (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
TW201106286A (en) * 2009-08-05 2011-02-16 Alibaba Group Holding Ltd System and method for adaptively selecting bank card for payment
CN103903369A (en) * 2012-12-27 2014-07-02 中国银联股份有限公司 Method and device for prompting user to select payment bank card to obtain concessions
CN105260914A (en) * 2015-10-19 2016-01-20 牟相连 Platform-crossing consumption preferential system based on Internet
CN106067124A (en) * 2016-04-06 2016-11-02 广东世惠科技有限公司 A kind of Quick Response Code that scans pays and real time record total mark of consumption and the method for rebating
CN106572129A (en) * 2015-10-09 2017-04-19 美的集团股份有限公司 Bank-card preferential information pushing method and apparatus thereof
CN107103461A (en) * 2017-05-02 2017-08-29 广州市智专信息科技有限公司 A kind of method of payment and corresponding portable terminal, POS
CN107423969A (en) * 2017-07-05 2017-12-01 佛山杰致信息科技有限公司 A kind of intelligence based on different trade companies pays mobile terminal

Patent Citations (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
TW201106286A (en) * 2009-08-05 2011-02-16 Alibaba Group Holding Ltd System and method for adaptively selecting bank card for payment
CN103903369A (en) * 2012-12-27 2014-07-02 中国银联股份有限公司 Method and device for prompting user to select payment bank card to obtain concessions
CN106572129A (en) * 2015-10-09 2017-04-19 美的集团股份有限公司 Bank-card preferential information pushing method and apparatus thereof
CN105260914A (en) * 2015-10-19 2016-01-20 牟相连 Platform-crossing consumption preferential system based on Internet
CN106067124A (en) * 2016-04-06 2016-11-02 广东世惠科技有限公司 A kind of Quick Response Code that scans pays and real time record total mark of consumption and the method for rebating
CN107103461A (en) * 2017-05-02 2017-08-29 广州市智专信息科技有限公司 A kind of method of payment and corresponding portable terminal, POS
CN107423969A (en) * 2017-07-05 2017-12-01 佛山杰致信息科技有限公司 A kind of intelligence based on different trade companies pays mobile terminal

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Application publication date: 20200915