CN115526624A - Payment mode management device based on big data - Google Patents

Payment mode management device based on big data Download PDF

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Publication number
CN115526624A
CN115526624A CN202210723850.9A CN202210723850A CN115526624A CN 115526624 A CN115526624 A CN 115526624A CN 202210723850 A CN202210723850 A CN 202210723850A CN 115526624 A CN115526624 A CN 115526624A
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payment
information
big data
host
scanning
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CN202210723850.9A
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Chinese (zh)
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程培丽
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Individual
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Individual
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Priority to CN202210723850.9A priority Critical patent/CN115526624A/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
    • G06Q20/30—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
    • G06Q20/3278—RFID or NFC payments by means of M-devices
    • 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • 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
    • G06Q30/0201—Market modelling; Market analysis; Collecting market data
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07G—REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
    • G07G1/00—Cash registers
    • G07G1/0036—Checkout procedures
    • G07G1/0045—Checkout procedures with a code reader for reading of an identifying code of the article to be registered, e.g. barcode reader or radio-frequency identity [RFID] reader
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07G—REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
    • G07G1/00—Cash registers
    • G07G1/12—Cash registers electronically operated

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Theoretical Computer Science (AREA)
  • General Business, Economics & Management (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Development Economics (AREA)
  • Finance (AREA)
  • Entrepreneurship & Innovation (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Data Mining & Analysis (AREA)
  • Game Theory and Decision Science (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Cash Registers Or Receiving Machines (AREA)

Abstract

The invention relates to the technical field of payment management, in particular to a management device based on a big data payment mode; the payment system comprises a payment host, a display device, an input terminal, a cash box, a card swiping device and a scanning device, wherein the display device is connected with the payment host, the display device is used for displaying charging information, the input terminal is connected with the payment host, the input terminal is used for inputting the charging information, the cash box is connected with the payment host, the cash box is used for containing cash and making change, the card swiping device is connected with the payment host, the card swiping device is used for swiping card transaction payment, the scanning device is connected with the payment host, the scanning device is used for scanning a commodity bar code or a two-dimensional code and scanning a consumer payment code, the NFC collection device is connected with the payment host, and the NFC collection device is used for receiving the payment transaction payment at the NFC terminal; the method can analyze and manage various payment modes by utilizing big data, and is convenient for merchants to select and utilize the payment modes.

Description

Payment mode management device based on big data
Technical Field
The invention relates to the technical field of payment management, in particular to a payment mode management device based on big data.
Background
Payment, i.e., payment, and multi-finger payment, is a financial exchange that occurs between a buyer and a seller, and is a process of money and debt transfer caused by socio-economic activities. Payment includes transaction, clearing and settlement. With the development of economy, especially the progress of the Internet, the off-line payment mode is added with electronic payment and other modes on the basis of cash or card swiping, and great convenience is brought to the daily life of the public.
In the face of a plurality of off-line payment modes, new requirements are provided for management and use of the payment modes, and merchants need to manage the payment modes according to characteristics and requirements of the merchants and market changes so as to meet the payment requirements of consumers, so that the management of the payment modes is increasingly important. However, most of the current merchants only use multiple payment methods to receive and pay, and lack management and analysis of the payment methods.
In addition, the existing partial merchants are operated in chain, so that prices of non-branch stores in various areas are different and different discounts are generated for different member customers in the payment system, the existing payment systems all adopt manual price input, so that frequent input and memory are needed, errors are prone to occurring, and in addition, the goods residual amount and the sales volume of each store need to be summarized and reported regularly, and then goods sources are supplemented, so that the real-time performance is poor and the workload is large.
Disclosure of Invention
Technical problem to be solved
Aiming at the defects of the prior art, the invention provides a payment mode management device based on big data, which can analyze and manage various payment modes by using the big data and is convenient for merchants to select and utilize the payment modes.
(II) technical scheme
2. In order to achieve the purpose, the invention provides the following technical scheme: the management device comprises a payment host, a display device, an input terminal, a cash box, a card swiping device and a scanning device, wherein the display device is connected with the payment host, the display device is used for displaying charging information, the input terminal is connected with the payment host, the input terminal is used for inputting the charging information, the cash box is connected with the payment host, the cash box is used for containing cash and making change, the card swiping device is connected with the payment host, the card swiping device is used for swiping card for transaction payment, the scanning device is connected with the payment host, the scanning device is used for scanning a commodity bar code or a two-dimensional code and scanning a consumer payment code, and the scanning device is also used for user identity card authentication before payment;
the system further comprises a positioning device, the positioning device is installed inside the payment host, commodity information corresponding to items with successful payment is uploaded to a distribution station server for inventory updating based on the positioning device, a commodity price information table in the current region is further obtained in real time based on the positioning device, after the commodity information and the user identity card information are obtained by the scanning device, the price in the current epithelium and the discount of the user identity card information are obtained from the price information table, and the final commodity price is automatically calculated.
Preferably, the NFC payment system further comprises an NFC collection device, the NFC collection device is connected with the payment host, and the NFC collection device is used for receiving payment transaction payment through the NFC terminal.
Preferably, the payment host machine further comprises a collection code device, the collection code device is connected with the payment host machine, and a collection code is used for code scanning payment of a consumer.
Preferably, the payment system further comprises a big data payment mode-based management system, the big data payment mode-based management system is installed in the payment host machine, the big data payment mode-based management system comprises a database module, a price matching module, a settlement interface and a big data analysis module, the database module is used for storing commodity information, the price matching module is used for reading the commodity bar code or two-dimensional code information scanned by the scanning device and returning corresponding commodity information, the settlement module is used for calculating the total price of the commodity, receiving payment information of a consumer and calculating change-making data, the settlement interface is used for displaying the commodity information and the settlement price information, and the big data analysis module is used for analyzing the selection and the use condition of the payment mode.
Preferably, the system also comprises an industry information module, wherein the industry information module is used for displaying and selecting industry information.
(III) advantageous effects
Compared with the prior art, the invention provides a payment mode management device based on big data, which has the following beneficial effects:
1. according to the management device based on the big data payment mode, a cash payment mode can be realized through the cash box, a card swiping payment mode such as a bank card or a shopping card can be realized through the card swiping device, different electronic payment modes can be realized through the code scanning device, the NFC collection device and the collection code device, and therefore a merchant can provide different payment options for a consumer in the payment process, and consumption of the consumer is facilitated; and the preference of the consumer to different payment modes can be analyzed through the big data analysis module, so that the popularity of different payment modes can be conveniently known, and therefore the promotion policies aiming at different payment modes can be released according to the big data analysis condition, the consumption of the consumer at a merchant can be further stimulated, and more profits are brought to the merchant.
2. Therefore, by arranging the positioning module and the multifunctional scanning device, the positioning module is used for carrying out regional adjustment on current price information and uploading the type and quantity of information of commodities sold by a retail store, reference is provided for subsequent commodity distribution, manual summary and uploading of surplus goods are not needed, and automatic discount calculation can be carried out according to the right of information of payers obtained by the information obtaining module.
Drawings
FIG. 1 is a structural framework diagram of a big data-based payment management device according to the present invention;
fig. 2 is a structural framework diagram of a big data-based payment management system according to the present 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.
Referring to fig. 1-2, the big data based payment mode management device of the present invention includes a payment host, a display device, an input terminal, a cash box, a card swiping device and a scanning device, wherein the display device is connected with the payment host, the display device is used for displaying charging information, the input terminal is connected with the payment host, the input terminal is used for inputting charging information, the cash box is connected with the payment host, the cash box is used for receiving cash and making change, the card swiping device is connected with the payment host, the card swiping device is used for swiping card transaction payment, the scanning device is connected with the payment host, the scanning device is used for scanning commodity bar codes or two-dimensional codes and scanning consumer payment codes, a cash payment mode can be realized through the cash box, a card swiping payment mode such as a bank card or a shopping card can be realized through the card swiping device, different electronic payment modes can be realized through the code scanning device, an NFC collection device and a cash code device, so that merchants can provide a variety of payment options for consumers in the payment process, and consumers can consume conveniently; in addition, the preferences of the consumer for different payment modes can be analyzed through the big data analysis module, so that the popularity of the different payment modes can be conveniently known, and therefore, the promotion policies for the different payment modes can be released according to the big data analysis condition, the consumption of the consumer in a merchant can be further stimulated, and more profits are brought to the merchant; the NFC payment host is connected with the NFC collection device, the NFC collection device is used for receiving payment transaction payment through the NFC terminal, and the NFC collection device can enable a consumer to use the NFC terminal to pay; the payment host is connected with the payment device, the payment device is used for scanning the payment code by a consumer, and the consumer can autonomously scan the payment code to pay through the payment code; the payment host computer is characterized by further comprising a positioning device, wherein the positioning device is installed inside the payment host computer, and the position of a merchant can be positioned through the positioning device, so that the payment mode preference of a consumer can be associated with the region where the consumer is located, and the accuracy and pertinence in the process of analyzing the payment mode preference of the consumer are improved.
The scanning device is also used for authenticating the user identity card before payment, and also comprises a positioning device, wherein the positioning device is arranged in the payment host, the positioning device uploads commodity information corresponding to items with successful payment to a distribution station server for inventory updating, the positioning device also acquires a commodity price information table in the current region in real time, and after the scanning device acquires the commodity information and the user identity card information, the scanning device acquires the price in the current epithelium and the discount of the user identity card information from the price information table, and the final commodity price is automatically calculated.
The system further comprises a big data based payment mode management system, the big data based payment mode management system is installed in the payment host, the big data based payment mode management system comprises a database module, a price matching module, a settlement interface and a big data analysis module, the database module is used for storing commodity information, the price matching module is used for reading commodity bar code or two-dimensional code information scanned by the scanning device and returning corresponding commodity information, the settlement module is used for calculating a commodity total price, receiving payment information of a consumer and calculating change-making data, the settlement interface is used for displaying the commodity information and the settlement price information, the big data analysis module is used for analyzing selection and use conditions of a payment mode, the payment mode can be managed and analyzed through the management system, the payment mode preference of the consumer can be conveniently found, a promotion policy which is more in line with the requirement of the consumer can be conveniently formulated, the industry information module is used for displaying and selecting industry information, the payment mode preference of the consumer can be associated with industry information through selecting the industry information, and the accuracy and the payment mode analysis and management of the big data can be improved.
In summary, the working principle and the working process of the management device based on the big data payment mode are that when the management device is used, a scanning device is used for scanning commodity information, then a display device is used for displaying the commodity information and payment information, cash payment is realized through a cash box, a card swiping device is used for realizing a card swiping payment mode, and a scanning device is used for scanning a payment code of a consumer to realize an electronic transaction payment mode; in addition, the selection of the electronic transaction payment mode can be expanded through the NFC collection device and the collection two-dimensional code device; after a certain time, the payment mode selection of the consumer is analyzed through the big data analysis module, the position information and the industry information of the merchant are managed, the payment preference of the consumer is analyzed, and the merchant can conveniently make a promotion policy according to the payment preference of the consumer.
Therefore, by arranging the positioning module and the multifunctional scanning device, the positioning module is used for carrying out regional adjustment on current price information and uploading the type and quantity of information of commodities sold by a retail store, reference is provided for subsequent commodity distribution, manual summary and uploading of surplus goods are not needed, and automatic discount calculation can be carried out according to the right of information of payers obtained by the information obtaining module.
Although embodiments of the present invention have been shown and described, it will be appreciated by those skilled in the art that changes, modifications, substitutions and alterations can be made in these embodiments without departing from the principles and spirit of the invention, the scope of which is defined in the appended claims and their equivalents.

Claims (5)

1. The utility model provides a based on big data payment methods management device which characterized in that: the payment system comprises a payment host, a display device, an input terminal, a cash box, a card swiping device and a scanning device, wherein the display device is connected with the payment host, the display device is used for displaying charging information, the input terminal is connected with the payment host, the input terminal is used for inputting the charging information, the cash box is connected with the payment host, the cash box is used for containing cash and making change, the card swiping device is connected with the payment host, the card swiping device is used for swiping card for transaction payment, the scanning device is connected with the payment host, the scanning device is used for scanning a commodity bar code or a two-dimensional code and scanning a consumer payment code, and the scanning device is also used for authenticating a user identity card before payment;
the system further comprises a positioning device, the positioning device is installed inside the payment host, commodity information corresponding to items with successful payment is uploaded to a distribution station server for inventory updating based on the positioning device, a commodity price information table in the current region is further obtained in real time based on the positioning device, after the commodity information and the user identity card information are obtained by the scanning device, the price in the current epithelium and the discount of the user identity card information are obtained from the price information table, and the final commodity price is automatically calculated.
2. The big data based payment means management apparatus of claim 1, wherein: the NFC payment host is connected with the NFC collection device, and the NFC collection device is used for receiving and paying transaction payment through the NFC terminal.
3. The big data based payment method management device according to claim 1, wherein: the payment host is connected with the payment device, and the payment code is used for code scanning payment of a consumer.
4. The big data based payment means management apparatus of any one of claims 1 to 3, wherein: the system comprises a payment host machine, a big data payment mode-based management system, a database module, a price matching module, a settlement interface and a big data analysis module, wherein the big data payment mode-based management system is installed in the payment host machine and comprises the database module, the price matching module, the settlement interface and the big data analysis module, the database module is used for storing commodity information, the price matching module is used for reading commodity bar codes or two-dimensional code information scanned by the scanning device and returning corresponding commodity information, the settlement module is used for calculating a commodity total price, receiving payment information of a consumer and calculating change-making data, the settlement interface is used for displaying the commodity information and the settlement price information, and the big data analysis module is used for analyzing the selection and the use condition of a payment mode.
5. The big data based payment means management apparatus of any one of claims 1 to 4, wherein: the big data payment mode-based management system further comprises an industry information module, and the industry information module is used for displaying and selecting industry information.
CN202210723850.9A 2022-06-24 2022-06-24 Payment mode management device based on big data Pending CN115526624A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CN202210723850.9A CN115526624A (en) 2022-06-24 2022-06-24 Payment mode management device based on big data

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN202210723850.9A CN115526624A (en) 2022-06-24 2022-06-24 Payment mode management device based on big data

Publications (1)

Publication Number Publication Date
CN115526624A true CN115526624A (en) 2022-12-27

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Application Number Title Priority Date Filing Date
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Country Status (1)

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CN (1) CN115526624A (en)

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