CN112767000A - Membership system mobile payment system and method - Google Patents

Membership system mobile payment system and method Download PDF

Info

Publication number
CN112767000A
CN112767000A CN202010161572.3A CN202010161572A CN112767000A CN 112767000 A CN112767000 A CN 112767000A CN 202010161572 A CN202010161572 A CN 202010161572A CN 112767000 A CN112767000 A CN 112767000A
Authority
CN
China
Prior art keywords
consumption
merchant
membership
customer
module
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Pending
Application number
CN202010161572.3A
Other languages
Chinese (zh)
Inventor
冯钧
邓国文
王志
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Yunnan Feiwang Technology Co ltd
Original Assignee
Yunnan Feiwang Technology Co ltd
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Yunnan Feiwang Technology Co ltd filed Critical Yunnan Feiwang Technology Co ltd
Publication of CN112767000A publication Critical patent/CN112767000A/en
Pending legal-status Critical Current

Links

Images

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G06Q30/0214—Referral reward systems
    • 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
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • G06Q20/3674—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes involving authentication
    • 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
    • G06Q20/387—Payment using discounts or coupons
    • 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
    • G06Q30/0222—During e-commerce, i.e. online transactions
    • 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
    • G06Q30/0226—Incentive systems for frequent usage, e.g. frequent flyer miles programs or point systems
    • G06Q30/0229—Multi-merchant loyalty card systems
    • 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
    • G06Q30/0236—Incentive or reward received by requiring registration or ID from user

Landscapes

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

Abstract

The invention discloses a membership system mobile payment system and a method, comprising a membership end, a recommendation end and a central system; the system adopts a membership system, an electronic wallet is arranged for each member, the member can use the balance of the electronic wallet to charge cash for payment, the system draws a rebate point for each member consumption and is used for rewarding member recommenders or merchant recommenders, when the customer uses a member end for payment, if the customer is not a member, the system automatically opens the member for the customer, and the system draws and records consumption data to generate a consumption red packet to be sent to the customer. According to the invention, the merchant customers are automatically developed into members through payment, so that the consumption data sharing among merchants is realized, and the customers get the consumption red envelope each time of consumption.

Description

Membership system mobile payment system and method
Technical Field
The invention relates to the field of mobile payment, in particular to a membership mobile payment system and a membership mobile payment method.
Background
At present, mobile payment based on a smart phone becomes an essential step in daily life of people, and basically merchants open mobile payment and collect payment no matter how big or small the smart phone is; however, the customer data of a plurality of merchants are independent, the merchants cannot share the customer data, the merchants can only check the customer consumption data of the merchants, and the merchants are inconvenient to recommend the customers of the merchants to other merchants; preferential discounts that people often obtain when consuming at a merchant have time and merchant limitations and cannot be consumed at other merchants.
Disclosure of Invention
The invention aims to: in view of the above existing problems, a membership-based mobile payment system and method are provided to solve the problems set forth in the background art.
The technical scheme adopted by the invention is as follows:
the invention relates to a membership system mobile payment system, which comprises a membership end, a recommendation end and a central system, wherein the membership end is connected with the recommendation end through a network;
the member terminal is used for acquiring information of a recommender and information of a client and submitting a member application to the central system;
the central system comprises a member module, a member module and a member management module, wherein the member module is used for judging whether a client submitting a member application opens a member or not, and if the client does not open the member, the client opens the member and establishes a recommendation relationship;
the recommending end comprises a payee code of the recommending person; and the recommender pay-per-view code is used for the recommender to pay, is linked to the member terminal and uploads the recommender information.
According to the system, the recommending end can recommend the customer to the central system to become a member of the central system and become potential customers of more merchants on the central system when the customer pays, so that the merchant customers can be shared and mutually guided; meanwhile, the merchant can recommend the customer quickly and conveniently through the payee code of the recommender.
Further, the recommender includes a merchant or a member.
In the system, the recommenders can be merchants or members, and can recommend through various ways.
Further, the central system comprises an electronic wallet module; the electronic wallet module comprises an electronic wallet which is opened for each member, and the electronic wallet records the amount of the electronic wallet of the member, wherein the amount of the consumption red packet of the member is contained; the amount of the electronic wallet is used for deducting cash when the member uses the member end to pay.
With the system, the electronic wallet can facilitate payment and balance inquiry of the member.
Further, the central system comprises a transaction service fee module; and the transaction service fee module is used for recording the amount of the corresponding transaction service fee which is received when the member terminal pays each consumption, wherein the amount of the transaction service fee is the amount sent to the account of the transaction member recommender.
The system and the transaction service fee module can reward the recommenders by collecting the service fee for consumption.
Further, the amount of the transaction service fee is set by the merchant.
Further, the central system comprises a consumption red packet module; and the consumption red envelope module is used for recording the consumption transaction data of the member end into the member consumption database and generating the consumption red envelope.
The system and the consumption red packet module can obtain certain consumption red packets after the member consumes.
Further, the consumption red envelope comprises the change of the merchant coupon and the merchant rewarding member, and the change of the merchant coupon and the merchant rewarding member is dumped into the amount of the electronic wallet.
Because the change of the merchant discount coupon and the merchant rewarding member is saved as the sum of the electronic wallet, the electronic wallet can be free from the limitation of the use time, and can be used by other merchants during consumption, thereby saving the consumption expenditure.
The invention discloses a membership system mobile payment system method, which comprises the following steps:
s1: a customer scans a merchant cash register by using a mobile phone, opens a member end, the member end communicates with a central system, and uploads a member end ID and a merchant ID;
s2: and the central system judges whether the customer opens the member or not according to the uploaded member end ID, if the customer does not open the member, the customer opens the member, the merchant is set as a member recommending person of the customer, and the balance of the electronic wallet is returned to the member end.
According to the method, the merchants recommend the customers to the central system quickly through the cash register codes, register the members, realize the drainage of the customers, share the customers among the merchants and break the independence of the customer data of the merchants.
Further, the method also comprises the following steps:
s100: when the member terminal sends a payment request, subtracting the balance of the member electronic purse from the amount to be paid to obtain the actual payment amount, prompting the customer to input a payment password, and performing payment transaction;
s200: after the central system confirms that the member end successfully pays, the merchant is informed that the member end successfully pays; recording the payment transaction data to a member consumption database, generating a consumption red packet according to the member consumption data, and sending the consumption red packet to a member end;
s300: displaying the consumption red envelope by the member end, and reminding the customer to get the red envelope;
s400: and the central system deducts the service fee of the transaction according to the setting of the merchant and transfers the service fee to the member recommenders of the transaction.
By the method, the member can obtain the consumption red envelope after consumption, and meanwhile, the recommender can obtain the transaction service fee reward when the member consumes.
In summary, due to the adoption of the technical scheme, the invention has the beneficial effects that:
1. through customer sharing among the merchants during payment, mutual drainage of customer data among the merchants is realized, the customer acquisition cost of the merchants is effectively reduced, and value-added income can be brought to the merchants.
2. Consumption data of each mobile payment is summarized to form customer consumption big data, after each payment, a consumption red packet is generated through data analysis and mining, other merchants are accurately recommended to the customer, the customer is guided to consume by the other merchants, and the win-win situation of the money receiving merchant, the customer and the drainage merchant is achieved.
3. The preferential discount is saved as the account balance, cash payment is withheld when other merchants consume, and consumption expenditure of customers is saved.
Drawings
The invention will now be described, by way of example, with reference to the accompanying drawings, in which:
fig. 1 is a schematic structural diagram of a membership-based mobile payment system according to the present invention.
Fig. 2 is a flowchart of a membership-based mobile payment system method according to an embodiment.
Detailed Description
All of the features disclosed in this specification, or all of the steps in any method or process so disclosed, may be combined in any combination, except combinations of features and/or steps that are mutually exclusive.
Any feature disclosed in this specification (including any accompanying claims, abstract) may be replaced by alternative features serving equivalent or similar purposes, unless expressly stated otherwise. That is, unless expressly stated otherwise, each feature is only an example of a generic series of equivalent or similar features.
As shown in fig. 1, the present invention discloses a membership-based mobile payment system, which comprises a membership end, a recommendation end and a central system;
the member terminal is used for acquiring information of a recommender and information of a client and submitting a member application to the central system;
the central system comprises a member module, a member module and a member management module, wherein the member module is used for judging whether a client submitting a member application opens a member or not, and if the client does not open the member, the client opens the member and establishes a recommendation relationship;
the recommending end comprises a payee code of the recommending person; and the recommender pay-per-view code is used for the recommender to pay, is linked to the member terminal and uploads the recommender information.
Because the cash register is mainly used by merchants, and the merchants have a plurality of customers, the recommenders are mainly merchants and can recommend the customers each time the customers pay; other members can also recommend, and the member can push the member through the recommendation code generated by the member terminal. The recommender pay code and the recommendation code both contain a link for opening the member end, and when the recommender scans the recommender pay code and the recommendation code, the member end can be opened, and the recommender information and the member end information are reported to the central system.
In one embodiment, the central system includes an electronic wallet module; the electronic wallet module comprises an electronic wallet which is opened for each member, and the electronic wallet comprises a consumption red packet; because each member needs to carry out transaction, the electronic wallet is opened, and the member can pay by using the amount in the electronic wallet and can also collect money paid by others; the electronic purse may also hold consumption red packets.
In another embodiment, the central system includes a transaction service fee module; and the transaction service fee module is used for collecting corresponding transaction service fees when the member terminal pays each consumption, and sending part of the transaction service fees to the account of the transaction member recommender. In order to reward the recommender, the recommender can obtain a certain reward after each consumption by the member recommended by the recommender, and the transaction service fee collected from the consumption is rewarded; the rewards and transaction service fees are set by the merchant itself.
In one embodiment, the central system includes a consume red envelope module; and the consumption red envelope module is used for recording the consumption transaction data of the member end into the member consumption database and generating the consumption red envelope. The member can obtain a certain consumption red envelope after each consumption. The consumption red envelope comprises the merchant discount coupon and the change rewarded by the merchant to the member, and the change is automatically stored in the member electronic purse after the member receives the red envelope.
Because the change of the merchant discount coupon and the merchant rewarding member can be converted into the account balance of the member electronic wallet, the merchant withstands cash payment when consuming, and the consumption expenditure of customers is saved.
As shown in fig. 2, the present invention discloses a membership-based mobile payment method, which is characterized by comprising the following steps:
s101, a customer scans a merchant collection code by using a mobile phone, opens a member end,
s102, the member end communicates with the central system and reports the ID of the member end and the ID of the merchant;
s103, the central system judges whether the customer opens the member, if not, the central system opens the member for the customer, the merchant is set as a member recommender of the customer, and the balance of the electronic wallet is returned to the member end.
And S104, the member terminal subtracts the balance of the electronic wallet from the payment amount to obtain the actual payment amount, and prompts the customer to input a payment password. A payment transaction is conducted.
S105, after confirming that the payment of the member end is successful, the central system informs the merchant end that the payment of the member is successful, records the payment transaction data to a member consumption database, generates a consumption red packet according to the member consumption data, and sends the consumption red packet to the member end; and the central system deducts the service fee of the transaction according to the setting of the merchant and transfers the service fee to the member recommenders and merchant recommenders of the transaction.
And S106, displaying the consumption red envelope by the member end, and reminding the customer to get the red envelope.
At present, the marketing cost of merchants is continuously rising, the customer acquisition cost is higher and higher, mobile payment is taken as a necessary path of customers, and the customer sharing among the merchants is used for mutual drainage during payment, so that the customer acquisition cost of the merchants is effectively reduced, and the value-added income can be brought to the merchants.
In another embodiment, the method for guiding the customer to other merchants for consumption by accurately recommending other merchants to the customer through the membership mobile payment system is further disclosed as follows: the consumption data of the mobile payment of the customer are collected to form customer consumption big data, the consumption preference and the consumption demand of the customer are found through data analysis and mining, the customer is matched with corresponding merchants, other merchants are accurately recommended to the customer after each payment, the customer is guided to consume by other merchants, and the three-win of a collection merchant, the customer and a drainage merchant is realized.
The invention is not limited to the foregoing embodiments. The invention extends to any novel feature or any novel combination of features disclosed in this specification and any novel method or process steps or any novel combination of features disclosed.

Claims (9)

1. A membership system mobile payment system is characterized by comprising a membership end, a recommendation end and a central system;
the member terminal is used for acquiring information of a recommender and information of a client and submitting a member application to the central system;
the central system comprises a member module, a member module and a member management module, wherein the member module is used for judging whether a client submitting a member application opens a member or not, and if the client does not open the member, the client opens the member and establishes a recommendation relationship;
the recommending end comprises a payee code of the recommending person; and the recommender pay-per-view code is used for the recommender to pay, is linked to the member terminal and uploads the recommender information.
2. The membership-based mobile payment system of claim 1, wherein the recommender comprises a merchant or a member.
3. A membership-based mobile payment system according to claim 1, wherein the central system comprises an electronic wallet module; the electronic wallet module comprises an electronic wallet which is opened for each member, and the electronic wallet records the amount of the electronic wallet of the member, wherein the amount of the consumption red packet of the member is contained; the amount of the electronic wallet is used for deducting cash when the member uses the member end to pay.
4. A membership-based mobile payment system according to claim 1, wherein said central system includes a transaction service fee module; and the transaction service fee module is used for recording the amount of the corresponding transaction service fee which is received when the member terminal pays each consumption, wherein the amount of the transaction service fee is the amount sent to the account of the transaction member recommender.
5. A membership-based mobile payment system according to claim 4, wherein the transaction service fee amount is set by the merchant itself.
6. The membership-based mobile payment system of claim 1, wherein the central system comprises a consumption red envelope module; and the consumption red envelope module is used for recording the consumption transaction data of the member end into the member consumption database and generating the consumption red envelope.
7. The membership-based mobile payment system of claim 6, wherein the consumption bonus package includes a merchant coupon and change to a merchant rewards member, the change to the merchant coupon and the merchant rewards member being dumped to the e-wallet amount.
8. A membership-based mobile payment system method, comprising the steps of:
s1: a customer scans a merchant cash register by using a mobile phone, opens a member end, the member end communicates with a central system, and uploads a member end ID and a merchant ID;
s2: and the central system judges whether the customer opens the member or not according to the uploaded member end ID, if the customer does not open the member, the customer opens the member, the merchant is set as a member recommending person of the customer, and the balance of the electronic wallet is returned to the member end.
9. The membership-based mobile payment system method as claimed in claim 8, further comprising the steps of:
s100: when the member terminal sends a payment request, subtracting the balance of the member electronic purse from the amount to be paid to obtain the actual payment amount, prompting the customer to input a payment password, and performing payment transaction;
s200: after the central system confirms that the member end successfully pays, the merchant is informed that the member end successfully pays; recording the payment transaction data to a member consumption database, generating a consumption red packet according to the member consumption data, and sending the consumption red packet to a member end;
s300: displaying the consumption red envelope by the member end, and reminding the customer to get the red envelope;
s400: and the central system deducts the service fee of the transaction according to the setting of the merchant and transfers the service fee to the member recommenders of the transaction.
CN202010161572.3A 2019-10-21 2020-03-10 Membership system mobile payment system and method Pending CN112767000A (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
CN2019109983595 2019-10-21
CN201910998359 2019-10-21

Publications (1)

Publication Number Publication Date
CN112767000A true CN112767000A (en) 2021-05-07

Family

ID=75693039

Family Applications (1)

Application Number Title Priority Date Filing Date
CN202010161572.3A Pending CN112767000A (en) 2019-10-21 2020-03-10 Membership system mobile payment system and method

Country Status (1)

Country Link
CN (1) CN112767000A (en)

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN105005906A (en) * 2014-04-18 2015-10-28 周汝平 Electronic commerce platform management method
CN107016568A (en) * 2017-03-17 2017-08-04 袁军 The data processing method and system of integration increment consumer electronics business platform
CN109919686A (en) * 2019-03-19 2019-06-21 郝亚彬 Profit distributing method based on e-payment mode

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN105005906A (en) * 2014-04-18 2015-10-28 周汝平 Electronic commerce platform management method
CN107016568A (en) * 2017-03-17 2017-08-04 袁军 The data processing method and system of integration increment consumer electronics business platform
CN109919686A (en) * 2019-03-19 2019-06-21 郝亚彬 Profit distributing method based on e-payment mode

Non-Patent Citations (1)

* Cited by examiner, † Cited by third party
Title
邓丽 等主编, 电子科技大学出版社 *

Similar Documents

Publication Publication Date Title
US11861611B2 (en) E-Coupon settlement and clearing process
US8600884B2 (en) System and method for payment receipt using 2D code
US9373119B2 (en) Machine-implemented system and method for providing timed targeted promotional offers to individual payment account users with feedback
US8725633B1 (en) System and method of operating a debit card reward program
US20090138302A1 (en) Method and system for collecting, receiving, and transferring transaction information for use by a bonus or loyalty program and electronic vouchers
US20110029434A1 (en) System and method for facilitating payment transactions
EP1010148A1 (en) Method for electronically vending, distributing, and recharging of pre-paid value, a vending machine and an electronic system for use therein
WO2007028004A2 (en) Credit proxy system and method
CN106530423A (en) Method for paying parking fee, and server
WO2020256254A1 (en) Point payment support system
KR20070026939A (en) System and method of the integrated payment for milage points, electronic cash, electronic gift-certificates, pre-paid cards, debit cards and other credit cards by using one card number
CN112767000A (en) Membership system mobile payment system and method
JP2017138874A (en) Reserved pension processing device, method, and computer program
CN105283891A (en) System and method for facilitating transactions
KR20010095938A (en) Prepayment system using mileage
KR100909495B1 (en) Benefit management system by using benefit membership card
US20040078267A1 (en) Proxy fee settlement system
US9858599B2 (en) Communication system
AU2003266781B2 (en) Bill Reminder and Payment System and Method
KR100420181B1 (en) Electronic payment method and apparatus thereof
KR101625351B1 (en) System for providing burial service based on credit card point using home page and mobile application, and method thereof
JP2003016363A (en) System and method for shortening payment period of credit dealing having been approved
JP2003030558A (en) Sales information management system and method therefor
JPH11134560A (en) Point system using credit management system
KR100738687B1 (en) information system for connecting integrated miles with communication charges and Method thereof

Legal Events

Date Code Title Description
PB01 Publication
PB01 Publication
SE01 Entry into force of request for substantive examination
SE01 Entry into force of request for substantive examination
RJ01 Rejection of invention patent application after publication
RJ01 Rejection of invention patent application after publication

Application publication date: 20210507