CN116402588B - Commercial tenant-oriented intelligent offline transaction and marketing method and system - Google Patents
Commercial tenant-oriented intelligent offline transaction and marketing method and system Download PDFInfo
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Abstract
The application provides an intelligent offline transaction and marketing method facing merchants, which comprises the following steps: the merchant terminal sends order information to the SaaS cloud management platform; the SaaS cloud management platform receives order information sent by a merchant terminal to generate a service order, sends a payment instruction, and a user terminal performs on-line payment according to the payment instruction and returns information of successful payment to the SaaS cloud management platform; the SaaS cloud management platform receives the information of successful payment and sends the payment amount of the user side and the merchant account number of the corresponding merchant side to the bank side; the bank end stores the payment amount into a merchant account corresponding to the merchant end, and sends information of successful storing to the SaaS cloud management platform; the bank end generates corresponding commodity classification-bank marketing information according to commodity classification of the merchant end; the method provided by the application helps the bank to energize local merchants by converting the financial science and technology power assisted bank strategy, improves the digital level of the merchants from marketing and finance ends and obtains better financial service support.
Description
Technical Field
The application relates to the field of transaction marketing, in particular to an intelligent off-line transaction and marketing method and system for merchants.
Background
Electronic payment refers to the act of using secure electronic means between a consumer, merchant and financial institution to securely transfer payment information over an information network to a bank or corresponding processing institution for effecting monetary payment or funds transfer.
At present, merchants and banks belong to a separation state, and close fit cannot be realized to assist the merchants.
Disclosure of Invention
The application mainly aims to overcome the defects in the prior art, and provides an intelligent offline transaction and marketing method and system for merchants, which can realize close matching of the merchants and banks, assist the banks to finely operate the merchants through mobile payment and SaaS scene service, promote the digitization level of the merchants from finance and marketing ends and obtain better financial service support.
The technical scheme of the application is as follows:
an intelligent off-line transaction and marketing method facing merchants comprises the following steps:
the merchant terminal sends order information to the SaaS cloud management platform, wherein the order information comprises commodity names, commodity labels, money and settlement identification information;
the SaaS cloud management platform receives order information sent by a merchant terminal to generate a service order, sends a payment instruction, and a user terminal performs on-line payment according to the payment instruction and returns information of successful payment to the SaaS cloud management platform;
the SaaS cloud management platform receives the information of successful payment and sends the payment amount of the user side and the merchant account number of the corresponding merchant side to the bank side;
the bank end stores the payment amount into a merchant account corresponding to the merchant end, and sends information of successful storing to the SaaS cloud management platform;
the bank end generates corresponding commodity classification-bank marketing information according to commodity classification of the merchant end, and sends the generated commodity classification-bank marketing information to the SaaS cloud management platform;
the SaaS cloud management platform receives the information of successful deposit sent by the bank end and sends the information of successful deposit to the merchant end;
and the SaaS cloud management platform receives commodity classification-bank marketing information sent by the bank end and sends the commodity classification-bank marketing information to the user end.
Specifically, the SaaS cloud management platform receives order information sent by a merchant terminal to generate a service order, sends a payment instruction, and the user terminal performs offline payment according to the payment instruction and returns information of successful payment to the SaaS cloud management platform, wherein the user terminal performs offline payment according to the payment instruction, including but not limited to: payment, weChat payment and Unionpay payment.
Specifically, the method further comprises a verification process:
generating a signature party: firstly, putting payment parameters into a character string array, storing the payment parameters and corresponding values in an object, changing the payment parameters and the corresponding values into JSOON objects through JSONOBject, generating signature texts, sequencing the parameters according to the sequence of a dictionary through Array. Sort of Java in the generation process, and signing through a private key of RSA;
signature checking party: generating a signature original document with the signature Fang Xiangtong, generating a signature transmitted by a signature party through a public key of RSA, verifying the signature transmitted by the signature party by the signature original document, and if the verification result is true, indicating that the verification is successful.
Specifically, the method also comprises an aggregate payment strategy, specifically:
retrieving payment service according to the order information to generate a payment token;
the payment service executes pre-submission, returns a payment token in the form of a transfer mark, and jumps to a payment page;
determining whether the payment token is valid according to the payment mode selected by the user;
if the payment mode id is effective, acquiring channel information, acquiring payment parameters by using a token, creating a payment strategy according to the new channel and the payment parameters, and finally realizing a specific payment strategy;
if not, returning error information.
Specifically, the bank end generates corresponding commodity classification-bank marketing information according to commodity classification of the merchant end, and sends the generated commodity classification-bank marketing information to the SaaS cloud management platform, wherein the commodity classification-bank marketing information specifically comprises:
and corresponding to commodity category and the preferential information of the affiliated bank.
Another aspect of the embodiments of the present application provides an intelligent offline transaction and marketing system for merchants, including the following:
order sending unit: the merchant terminal sends order information to the SaaS cloud management platform, wherein the order information comprises commodity names, commodity labels, money and settlement identification information;
payment unit: the SaaS cloud management platform receives order information sent by a merchant terminal to generate a service order, sends a payment instruction, and a user terminal performs on-line payment according to the payment instruction and returns information of successful payment to the SaaS cloud management platform;
an amount account transmitting unit: the SaaS cloud management platform receives the information of successful payment and sends the payment amount of the user side and the merchant account number of the corresponding merchant side to the bank side;
an amount deposit unit: the bank end stores the payment amount into a merchant account corresponding to the merchant end, and sends information of successful storing to the SaaS cloud management platform;
marketing information generation unit: the bank end generates corresponding commodity classification-bank marketing information according to commodity classification of the merchant end, and sends the generated commodity classification-bank marketing information to the SaaS cloud management platform;
a stored information return unit: the SaaS cloud management platform receives the information of successful deposit sent by the bank end and sends the information of successful deposit to the merchant end;
marketing information transmitting unit: and the SaaS cloud management platform receives commodity classification-bank marketing information sent by the bank end and sends the commodity classification-bank marketing information to the user end.
Specifically, in the payment unit, the SaaS cloud management platform receives order information sent by the merchant terminal to generate a service order, sends a payment instruction, and the user terminal performs downlink payment according to the payment instruction and returns information of successful payment to the SaaS cloud management platform, wherein the user terminal performs downlink payment according to the payment instruction, including but not limited to: payment, weChat payment and Unionpay payment.
Specifically, the payment unit further comprises an authentication process:
generating a signature party: firstly, putting payment parameters into a character string array, storing the payment parameters and corresponding values in an object, changing the payment parameters and the corresponding values into JSOON objects through JSONOBject, generating signature texts, sequencing the parameters according to the sequence of a dictionary through Array. Sort of Java in the generation process, and signing through a private key of RSA;
signature checking party: generating a signature original document with the signature Fang Xiangtong, generating a signature transmitted by a signature party through a public key of RSA, verifying the signature transmitted by the signature party by the signature original document, and if the verification result is true, indicating that the verification is successful.
Specifically, the payment unit further comprises an aggregate payment policy, specifically:
retrieving payment service according to the order information to generate a payment token;
the payment service executes pre-submission, returns a payment token in the form of a transfer mark, and jumps to a payment page;
determining whether the payment token is valid according to the payment mode selected by the user;
if the payment mode id is effective, acquiring channel information, acquiring payment parameters by using a token, creating a payment strategy according to the new channel and the payment parameters, and finally realizing a specific payment strategy;
if not, returning error information.
Specifically, in the marketing information generating unit, the bank end generates corresponding commodity classification-bank marketing information according to commodity classification of the merchant end, and sends the generated commodity classification-bank marketing information to the SaaS cloud management platform, wherein the commodity classification-bank marketing information specifically comprises:
and corresponding to commodity category and the preferential information of the affiliated bank.
Still another embodiment of the present application provides an electronic apparatus including: the system comprises a memory, a processor and a computer program which is stored in the memory and can run on the processor, wherein the processor realizes the intelligent offline transaction and marketing method steps facing the merchant when executing the computer program.
Yet another embodiment of the present application provides a computer readable storage medium having a computer program stored therein, which when executed by a processor, implements the above-described merchant-oriented intelligent offline transaction and marketing method steps.
As can be seen from the above description of the present application, compared with the prior art, the present application has the following advantages:
the application provides an intelligent offline transaction and marketing method for a merchant, which comprises the steps that firstly, a merchant terminal sends order information to a SaaS cloud management platform, wherein the order information comprises commodity names, commodity labels, amounts and settlement identification information; the SaaS cloud management platform receives order information sent by a merchant terminal to generate a service order, sends a payment instruction, and a user terminal performs on-line payment according to the payment instruction and returns information of successful payment to the SaaS cloud management platform; the SaaS cloud management platform receives the information of successful payment and sends the payment amount of the user side and the merchant account number of the corresponding merchant side to the bank side; the bank end stores the payment amount into a merchant account corresponding to the merchant end, and sends information of successful storing to the SaaS cloud management platform; the bank end generates corresponding commodity classification-bank marketing information according to commodity classification of the merchant end, and sends the generated commodity classification-bank marketing information to the SaaS cloud management platform; the SaaS cloud management platform receives the information of successful deposit sent by the bank end and sends the information of successful deposit to the merchant end; the SaaS cloud management platform receives commodity classification-bank marketing information sent by a bank end and sends the commodity classification-bank marketing information to a user end; the method provided by the application is used for carrying out mobile payment infrastructure construction for financial institutions, and assisting the bank strategic transformation by using financial science and technology force; the mobile payment and SaaS scene service are used for helping banks to finely operate local merchants, and an overall solution based on scenes is provided for the merchants; the method helps banks to energize local merchants, improves merchant digitization level from marketing and financial business ends and obtains better financial service support.
Drawings
FIG. 1 is a flow chart of a business-oriented intelligent offline transaction and marketing method provided by an embodiment of the application;
FIG. 2 is a block diagram of an intelligent offline transaction and marketing system for merchants, which is provided by an embodiment of the application;
fig. 3 is a schematic diagram of an embodiment of an electronic device according to an embodiment of the present application;
fig. 4 is a schematic diagram of an embodiment of a computer readable storage medium according to an embodiment of the present application.
Detailed Description
The application provides an intelligent offline transaction and marketing method and system for a merchant, which can realize close matching of the merchant and a bank, assist the bank in finely operating the merchant through mobile payment and SaaS scene service, promote the digitization level of the merchant from a finance and marketing end and obtain better financial service support.
It should be noted that in this document, relational terms such as "first" and "second" and the like are used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Moreover, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising one … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element. The foregoing is only a specific embodiment of the application to enable those skilled in the art to understand or practice the application. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the generic principles defined herein may be applied to other embodiments without departing from the spirit or scope of the application. Thus, the present application is not intended to be limited to the embodiments shown herein but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.
Fig. 1 is a flowchart of a business-oriented intelligent offline transaction and marketing method according to an embodiment of the present application, which specifically includes:
s101: the merchant terminal sends order information to the SaaS cloud management platform, wherein the order information comprises commodity names, commodity labels, money and settlement identification information;
the merchant terminal is firstly required to register the SaaS cloud management platform and logs in the SaaS cloud management platform to apply for opening a real-time settlement function;
after the SaaS cloud management platform is checked, the settlement switch and the charging rule are stored in the SaaS cloud management platform;
and then the merchant terminal can send order information to the SaaS cloud management platform, wherein the order information comprises commodity names, commodity labels, amounts and settlement identification information.
S102: the SaaS cloud management platform receives order information sent by a merchant terminal to generate a service order, sends a payment instruction, and a user terminal performs on-line payment according to the payment instruction and returns information of successful payment to the SaaS cloud management platform;
at present, various offline payment modes are available, such as payment treasure payment, weChat payment and Unionpay payment; the payment of the payment bank only comprises the payment on-the-fly, the payment of the face brushing, the payment of the APP, the payment of the mobile phone website, the payment of the computer website, the payment of the flower in stages and the like, and the embodiment of the application supports the aggregate payment, and the specific policy of the aggregate payment is as follows:
retrieving payment service according to the order information to generate a payment token;
the payment service executes pre-submission, returns a payment token in the form of a transfer mark, and jumps to a payment page;
determining whether the payment token is valid according to the payment mode selected by the user;
if the payment mode id is effective, acquiring channel information, acquiring payment parameters by using a token, creating a payment strategy according to the new channel and the payment parameters, and finally realizing a specific payment strategy;
if not, returning error information.
The payment also includes a verification process, specifically:
generating a signature party: firstly, putting payment parameters into a character string array, storing the payment parameters and corresponding values in an object, changing the payment parameters and the corresponding values into JSOON objects through JSONOBject, generating signature texts, sequencing the parameters according to the sequence of a dictionary through Array. Sort of Java in the generation process, and signing through a private key of RSA;
jsonoobject is just a data structure, which can be understood as a JSON-format data structure (key-value structure), and elements can be added to JSON objects using the put method. The jsonoobject can be conveniently converted into a character string, and other objects can be conveniently converted into jsonoobject objects.
The name of the Chinese caller array in Arrays. Sort refers to two sorting methods, namely sort (byte [ ] a) and sort (long [ ] a), by which numbers can be sorted within a specified range. This method is in the java. Uteil package, so it needs to be imported first when it is used.
Signature checking party: generating a signature original document with the signature Fang Xiangtong, generating a signature transmitted by a signature party through a public key of RSA, verifying the signature transmitted by the signature party by the signature original document, and if the verification result is true, indicating that the verification is successful.
S103: the SaaS cloud management platform receives the information of successful payment and sends the payment amount of the user side and the merchant account number of the corresponding merchant side to the bank side;
the embodiment of the application has the innovation point that seamless connection of the merchant and the financial institution is realized, on one hand, the banking is assisted to finely operate the merchant, on the other hand, better financial service is provided for the merchant, the SaaS cloud management platform receives information of successful payment of the user, the payment amount of the user side and the merchant account number corresponding to the merchant side are sent to the banking side, the merchant is docked through the SaaS cloud management platform, and management and fine operation of the merchant are realized.
S104: the bank end stores the payment amount into a merchant account corresponding to the merchant end, and sends information of successful storing to the SaaS cloud management platform;
and the bank end stores the payment amount into the merchant account corresponding to the merchant end after receiving the payment amount, so that seamless connection between the merchant and the financial institution is realized, and the information of successful storage is sent to the SaaS cloud management platform.
S105: the bank end generates corresponding commodity classification-bank marketing information according to commodity classification of the merchant end, and sends the generated commodity classification-bank marketing information to the SaaS cloud management platform;
at present, a plurality of marketing services are provided by the merchant, in order to better assist the merchant, the bank provides marketing information according to commodity classification of the merchant, accurately locks the merchant, provides better financial service support for the merchant, and sends generated commodity classification-bank marketing information to the SaaS cloud management platform.
The commodity classification-bank marketing information is specific to commodity classification and the preferential information of the affiliated bank, such as using silver-linked payment living commodity full 100 minus 30, using payment treasure silver-linked payment washing commodity full 100 gift 50 coupons and the like.
S106: the SaaS cloud management platform receives the information of successful deposit sent by the bank end and sends the information of successful deposit to the merchant end;
the bank end stores the payment amount into the merchant account number corresponding to the merchant end, and in order to improve the reliability of operation and save the operation credentials, the bank end transmits successful information to the merchant end through transmitting the successful information to the SaaS cloud management platform for transfer authentication on a third party platform, and then the SaaS cloud management platform transmits the successful information to the merchant end, so that the transaction safety is improved.
S107: and the SaaS cloud management platform receives commodity classification-bank marketing information sent by the bank end and sends the commodity classification-bank marketing information to the user end.
One of the purposes of the SaaS cloud management platform is to assist the bank to finely operate the merchant, seamless connection between the merchant and the financial institution is achieved, and the SaaS cloud management platform receives commodity classification-bank marketing information sent by the bank end and sends the commodity classification-bank marketing information to the user end so as to provide more comprehensive service for the bank and the merchant.
As shown in fig. 2, a frame diagram of an intelligent offline transaction and marketing system for merchants provided by an embodiment of the present application includes the following steps:
order sending unit 201: the merchant terminal sends order information to the SaaS cloud management platform, wherein the order information comprises commodity names, commodity labels, money and settlement identification information;
the merchant terminal is firstly required to register the SaaS cloud management platform and logs in the SaaS cloud management platform to apply for opening a real-time settlement function;
after the SaaS cloud management platform is checked, the settlement switch and the charging rule are stored in the SaaS cloud management platform;
and then the merchant terminal can send order information to the SaaS cloud management platform, wherein the order information comprises commodity names, commodity labels, amounts and settlement identification information.
Payment unit 202: the SaaS cloud management platform receives order information sent by a merchant terminal to generate a service order, sends a payment instruction, and a user terminal performs on-line payment according to the payment instruction and returns information of successful payment to the SaaS cloud management platform;
at present, various offline payment modes are available, such as payment treasure payment, weChat payment and Unionpay payment; the payment of the payment bank only comprises the payment on-the-fly, the payment of the face brushing, the payment of the APP, the payment of the mobile phone website, the payment of the computer website, the payment of the flower in stages and the like, and the embodiment of the application supports the aggregate payment, and the specific policy of the aggregate payment is as follows:
retrieving payment service according to the order information to generate a payment token;
the payment service executes pre-submission, returns a payment token in the form of a transfer mark, and jumps to a payment page;
determining whether the payment token is valid according to the payment mode selected by the user;
if the payment mode id is effective, acquiring channel information, acquiring payment parameters by using a token, creating a payment strategy according to the new channel and the payment parameters, and finally realizing a specific payment strategy;
if not, returning error information.
The payment also includes a verification process, specifically:
generating a signature party: firstly, putting payment parameters into a character string array, storing the payment parameters and corresponding values in an object, changing the payment parameters and the corresponding values into JSOON objects through JSONOBject, generating signature texts, sequencing the parameters according to the sequence of a dictionary through Array. Sort of Java in the generation process, and signing through a private key of RSA;
jsonoobject is just a data structure, which can be understood as a JSON-format data structure (key-value structure), and elements can be added to JSON objects using the put method. The jsonoobject can be conveniently converted into a character string, and other objects can be conveniently converted into jsonoobject objects.
The name of the Chinese caller array in Arrays. Sort refers to two sorting methods, namely sort (byte [ ] a) and sort (long [ ] a), by which numbers can be sorted within a specified range. This method is in the java. Uteil package, so it needs to be imported first when it is used.
Signature checking party: generating a signature original document with the signature Fang Xiangtong, generating a signature transmitted by a signature party through a public key of RSA, verifying the signature transmitted by the signature party by the signature original document, and if the verification result is true, indicating that the verification is successful.
The amount account transmission unit 203: the SaaS cloud management platform receives the information of successful payment and sends the payment amount of the user side and the merchant account number of the corresponding merchant side to the bank side;
the embodiment of the application has the innovation point that seamless connection of the merchant and the financial institution is realized, on one hand, the banking is assisted to finely operate the merchant, on the other hand, better financial service is provided for the merchant, the SaaS cloud management platform receives information of successful payment of the user, the payment amount of the user side and the merchant account number corresponding to the merchant side are sent to the banking side, the merchant is docked through the SaaS cloud management platform, and management and fine operation of the merchant are realized.
The amount deposit unit 204: the bank end stores the payment amount into a merchant account corresponding to the merchant end, and sends information of successful storing to the SaaS cloud management platform;
and the bank end stores the payment amount into the merchant account corresponding to the merchant end after receiving the payment amount, so that seamless connection between the merchant and the financial institution is realized, and the information of successful storage is sent to the SaaS cloud management platform.
Marketing information generation unit 205: the bank end generates corresponding commodity classification-bank marketing information according to commodity classification of the merchant end, and sends the generated commodity classification-bank marketing information to the SaaS cloud management platform;
at present, a plurality of marketing services are only provided by the commercial tenant, in order to better assist the commercial tenant, the bank provides marketing information according to commodity classification of the commercial tenant, locks the commercial tenant accurately, and provides better financial service support for the commercial tenant.
The commodity classification-bank marketing information is specific to commodity classification and the preferential information of the affiliated bank, such as using silver-linked payment living commodity full 100 minus 30, using payment treasure silver-linked payment washing commodity full 100 gift 50 coupons and the like.
A deposit information return unit 206: the SaaS cloud management platform receives the information of successful deposit sent by the bank end and sends the information of successful deposit to the merchant end;
the bank end stores the payment amount into the merchant account number corresponding to the merchant end, and in order to improve the reliability of operation and save the operation credentials, the bank end transmits successful information to the merchant end through transmitting the successful information to the SaaS cloud management platform for transfer authentication on a third party platform, and then the SaaS cloud management platform transmits the successful information to the merchant end, so that the transaction safety is improved.
Marketing information transmitting unit 207: and the SaaS cloud management platform receives commodity classification-bank marketing information sent by the bank end and sends the commodity classification-bank marketing information to the user end.
One of the purposes of the SaaS cloud management platform is to assist the bank to finely operate the merchant, seamless connection between the merchant and the financial institution is achieved, and the SaaS cloud management platform receives commodity classification-bank marketing information sent by the bank end and sends the commodity classification-bank marketing information to the user end so as to provide more comprehensive service for the bank and the merchant.
As shown in fig. 3, an embodiment of the present application provides an electronic device 300, which includes a memory 310, a processor 320, and a computer program 311 stored in the memory 310 and capable of running on the processor 320, wherein the processor 320 implements the merchant-oriented intelligent offline transaction and marketing method provided by the embodiment of the present application when executing the computer program 311.
In a specific implementation, when the processor 320 executes the computer program 311, any implementation manner of the embodiment corresponding to fig. 1 may be implemented.
Since the electronic device described in this embodiment is a device for implementing a data processing apparatus in this embodiment of the present application, based on the method described in this embodiment of the present application, those skilled in the art can understand the specific implementation of the electronic device in this embodiment and various modifications thereof, so how the electronic device implements the method in this embodiment of the present application will not be described in detail herein, and only those devices for implementing the method in this embodiment of the present application will belong to the scope of protection intended by the present application.
Referring to fig. 4, fig. 4 is a schematic diagram of an embodiment of a computer readable storage medium according to an embodiment of the application.
As shown in fig. 4, the present embodiment provides a computer readable storage medium 400, on which a computer program 401 is stored, where the computer program 401, when executed by a processor, implements a merchant-oriented intelligent offline transaction and marketing method provided by the embodiment of the present application;
in a specific implementation, the computer program 401 may implement any of the embodiments corresponding to fig. 1 when executed by a processor.
In the foregoing embodiments, the descriptions of the embodiments are focused on, and for those portions of one embodiment that are not described in detail, reference may be made to the related descriptions of other embodiments.
It will be appreciated by those skilled in the art that embodiments of the present application may be provided as a method, system, or computer program product. Accordingly, the present application may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present application may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The application provides an intelligent offline transaction and marketing method for a merchant, which comprises the steps that firstly, a merchant terminal sends order information to a SaaS cloud management platform, wherein the order information comprises commodity names, commodity labels, amounts and settlement identification information; the SaaS cloud management platform receives order information sent by a merchant terminal to generate a service order, sends a payment instruction, and a user terminal performs on-line payment according to the payment instruction and returns information of successful payment to the SaaS cloud management platform; the SaaS cloud management platform receives the information of successful payment and sends the payment amount of the user side and the merchant account number of the corresponding merchant side to the bank side; the bank end stores the payment amount into a merchant account corresponding to the merchant end, and sends information of successful storing to the SaaS cloud management platform; the bank end generates corresponding commodity classification-bank marketing information according to commodity classification of the merchant end, and sends the generated commodity classification-bank marketing information to the SaaS cloud management platform; the SaaS cloud management platform receives the information of successful deposit sent by the bank end and sends the information of successful deposit to the merchant end; the SaaS cloud management platform receives commodity classification-bank marketing information sent by a bank end and sends the commodity classification-bank marketing information to a user end; the method provided by the application is used for carrying out mobile payment infrastructure construction for financial institutions, and assisting the bank strategic transformation by using financial science and technology force; the mobile payment and SaaS scene service are used for helping banks to finely operate local merchants, and an overall solution based on scenes is provided for the merchants; the method helps banks to energize local merchants, improves merchant digitization level from marketing and financial business ends and obtains better financial service support.
The foregoing is merely illustrative of specific embodiments of the present application, but the design concept of the present application is not limited thereto, and any insubstantial modification of the present application by using the design concept shall fall within the scope of the present application.
Claims (6)
1. The intelligent offline transaction and marketing method for the merchants is characterized by comprising the following steps of:
the merchant terminal sends order information to the SaaS cloud management platform, wherein the order information comprises commodity names, commodity labels, money and settlement identification information;
the SaaS cloud management platform receives order information sent by a merchant terminal to generate a service order, sends a payment instruction, and a user terminal performs on-line payment according to the payment instruction and returns information of successful payment to the SaaS cloud management platform;
the SaaS cloud management platform receives the information of successful payment and sends the payment amount of the user side and the merchant account number of the corresponding merchant side to the bank side;
the bank end stores the payment amount into a merchant account corresponding to the merchant end, and sends information of successful storing to the SaaS cloud management platform;
the bank end generates corresponding commodity classification-bank marketing information according to commodity classification of the merchant end, and sends the generated commodity classification-bank marketing information to the SaaS cloud management platform;
the SaaS cloud management platform receives the information of successful deposit sent by the bank end and sends the information of successful deposit to the merchant end;
the SaaS cloud management platform receives commodity classification-bank marketing information sent by a bank end and sends the commodity classification-bank marketing information to a user end;
the method also comprises the verification process:
generating a signature party: firstly, putting payment parameters into a character string array, storing the payment parameters and corresponding values in an object, changing the payment parameters and the corresponding values into JSOON objects through JSONOBject, generating signature texts, sequencing the parameters according to the sequence of a dictionary through Array. Sort of Java in the generation process, and signing through a private key of RSA;
signature checking party: generating a signature original document with a signature Fang Xiangtong, generating a signature transmitted by a signature party through a public key of RSA, verifying the signature transmitted by the signature party by the signature original document, and if the verification result is true, indicating that the verification is successful;
the method also comprises the following steps of:
retrieving payment service according to the order information to generate a payment token;
the payment service executes pre-submission, returns a payment token in the form of a transfer mark, and jumps to a payment page;
determining whether the payment token is valid according to the payment mode selected by the user;
if the payment mode id is effective, acquiring channel information, acquiring payment parameters by using a token, creating a payment strategy according to the new channel and the payment parameters, and finally realizing a specific payment strategy;
if not, returning error information.
2. The intelligent offline transaction and marketing method for merchants according to claim 1, wherein the SaaS cloud management platform receives order information sent by a merchant terminal to generate a service order, sends a payment instruction, and the user terminal performs offline payment according to the payment instruction and returns information of successful payment to the SaaS cloud management platform, and the user terminal performs offline payment according to the payment instruction, comprising: payment, weChat payment and Unionpay payment.
3. The intelligent offline transaction and marketing method for merchants according to claim 2, wherein the banking terminal generates corresponding commodity classification-banking marketing information according to commodity classification of the merchant terminal, and sends the generated commodity classification-banking marketing information to the SaaS cloud management platform, wherein the commodity classification-banking marketing information specifically comprises:
and corresponding to commodity category and the preferential information of the affiliated bank.
4. An intelligent offline transaction and marketing system for merchants is characterized by comprising the following steps:
order sending unit: the merchant terminal sends order information to the SaaS cloud management platform, wherein the order information comprises commodity names, commodity labels, money and settlement identification information;
payment unit: the SaaS cloud management platform receives order information sent by a merchant terminal to generate a service order, sends a payment instruction, and a user terminal performs on-line payment according to the payment instruction and returns information of successful payment to the SaaS cloud management platform;
an amount account transmitting unit: the SaaS cloud management platform receives the information of successful payment and sends the payment amount of the user side and the merchant account number of the corresponding merchant side to the bank side;
an amount deposit unit: the bank end stores the payment amount into a merchant account corresponding to the merchant end, and sends information of successful storing to the SaaS cloud management platform;
marketing information generation unit: the bank end generates corresponding commodity classification-bank marketing information according to commodity classification of the merchant end, and sends the generated commodity classification-bank marketing information to the SaaS cloud management platform;
a stored information return unit: the SaaS cloud management platform receives the information of successful deposit sent by the bank end and sends the information of successful deposit to the merchant end;
marketing information transmitting unit: the SaaS cloud management platform receives commodity classification-bank marketing information sent by a bank end and sends the commodity classification-bank marketing information to a user end;
the payment unit further includes a verification process:
generating a signature party: firstly, putting payment parameters into a character string array, storing the payment parameters and corresponding values in an object, changing the payment parameters and the corresponding values into JSOON objects through JSONOBject, generating signature texts, sequencing the parameters according to the sequence of a dictionary through Array. Sort of Java in the generation process, and signing through a private key of RSA;
signature checking party: generating a signature original document with a signature Fang Xiangtong, generating a signature transmitted by a signature party through a public key of RSA, verifying the signature transmitted by the signature party by the signature original document, and if the verification result is true, indicating that the verification is successful;
the method also comprises the following steps of:
retrieving payment service according to the order information to generate a payment token;
the payment service executes pre-submission, returns a payment token in the form of a transfer mark, and jumps to a payment page;
determining whether the payment token is valid according to the payment mode selected by the user;
if the payment mode id is effective, acquiring channel information, acquiring payment parameters by using a token, creating a payment strategy according to the new channel and the payment parameters, and finally realizing a specific payment strategy;
if not, returning error information.
5. The merchant-oriented intelligent offline transaction and marketing system according to claim 4, wherein the SaaS cloud management platform in the payment unit receives order information sent by the merchant terminal to generate a service order, sends a payment instruction, and the user terminal performs offline payment according to the payment instruction and returns information of successful payment to the SaaS cloud management platform, and the user terminal performs offline payment according to the payment instruction, comprising: payment, weChat payment and Unionpay payment.
6. The merchant-oriented intelligent offline transaction and marketing system according to claim 4, wherein in the marketing information generating unit, the bank end generates corresponding commodity classification-bank marketing information according to commodity classification of the merchant end, and sends the generated commodity classification-bank marketing information to the SaaS cloud management platform, wherein the commodity classification-bank marketing information is specifically:
and corresponding to commodity category and the preferential information of the affiliated bank.
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