CN117522515A - Merchant information pushing and transaction processing platform - Google Patents

Merchant information pushing and transaction processing platform Download PDF

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Publication number
CN117522515A
CN117522515A CN202311549389.0A CN202311549389A CN117522515A CN 117522515 A CN117522515 A CN 117522515A CN 202311549389 A CN202311549389 A CN 202311549389A CN 117522515 A CN117522515 A CN 117522515A
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CN
China
Prior art keywords
client
merchant
module
payment
information
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
CN202311549389.0A
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Chinese (zh)
Inventor
肖旭
李哲宇
宋方成
张云飞
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.)
Bank Of Jilin Co ltd
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Bank Of Jilin Co ltd
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Publication date
Application filed by Bank Of Jilin Co ltd filed Critical Bank Of Jilin Co ltd
Priority to CN202311549389.0A priority Critical patent/CN117522515A/en
Publication of CN117522515A publication Critical patent/CN117522515A/en
Pending legal-status Critical Current

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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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]
    • G06Q30/0631—Item recommendations
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F18/00—Pattern recognition
    • G06F18/20—Analysing
    • G06F18/24—Classification techniques
    • 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
    • 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
    • G06Q30/0239—Online discounts or incentives

Abstract

The invention discloses a merchant information pushing and transaction processing platform, which recommends nearby merchants to customers through customer preference, so that the customers can select the merchants to conduct downlink consumption according to own preference; the commercial tenant can also establish an online experience store, the customers select nearby online experience stores to experience goods freely according to own preference, and finally the commercial tenant's goods are purchased online, so that the same experience as online shopping is achieved; the merchant can also set the activity coupon by himself, and appoints to recommend to relevant clients with demands, so that accurate marketing is realized, and the problems of online and offline experience faced by the merchant and the clients are solved. Because of the high-quality platform service, the bank acquires the high-quality platform merchant in the process, and finally achieves the purpose that the merchant actively accesses the internet on the platform to realize the bill collection service and the reform of the retail mode of the bank.

Description

Merchant information pushing and transaction processing platform
Technical Field
The invention relates to the technical field of financial tools, in particular to a merchant information pushing and transaction processing platform.
Background
With the development of the times, banks enrich the self order receiving business and order receiving modes, and transition from the traditional POS order receiving mode to the off-line order receiving mode of bar code payment, the on-line order receiving mode of on-line ticket purchasing and the like. Through analysis of customer behavior by AI, big data, etc., current retail models are increasingly tending to customize sales patterns for personal preferences. By the adoption of the method, the customers are shunted, marketing resource waste is avoided, meanwhile, sales accuracy is improved, long-term customers are obtained more easily, and the viscosity effect on new customers is enhanced. However, the method is often aimed at a platform similar to live broadcast with goods or a customer drainage method of a micro-business, belongs to the most mainstream live broadcast and online mall at present, and is also a main marketing mode of many internet factories. However, this marketing mode is not applicable to banks.
For banks, the advantage is not the internet, but rather the entity's merchant. The pain of the entity merchant is that off-line shopping is not an essential action for the customer, and the time and cost of off-line shopping are all more than that of on-line shopping, so that more choices of the customer are on-line shopping at present.
For the problems, the prior banking method is few, the traditional banking order collection is carried out on marketing merchants, and the merchants become the banking order collection merchants which are mainly off-line merchants through the mass marketing of staff. The bank actively obtains the customers to deposit funds by using own resources, and the bank bears excessive marketing cost, has general funds increase range and wastes marketing resources. And merchant quality is general, many small merchants have related risks, and some merchants have low liveness or no related funds flow at all, so that the bank has excessive risks.
In addition, it is a challenge for customers to be able to match the quality and color of the goods purchased online.
Disclosure of Invention
In order to solve the problems, the invention provides a merchant information pushing and transaction processing platform, which recommends nearby merchants to customers through customer preference, so that the customers can select the merchants to consume in line according to own preference; the commercial tenant can also establish an online experience store, the customers select nearby online experience stores to experience goods freely according to own preference, and finally the commercial tenant's goods are purchased online, so that the same experience as online shopping is achieved; the merchant can also set the activity coupon by himself, and appoints to recommend to relevant clients with demands, so that accurate marketing is realized, and the problems of online and offline experience faced by the merchant and the clients are solved. Because of the high-quality platform service, the bank acquires the high-quality platform merchant in the process, and finally achieves the purpose that the merchant actively accesses the internet on the platform to realize the bill collection service and the reform of the retail mode of the bank.
In order to achieve the above object, the present invention provides the following technical solutions:
the invention provides a merchant information pushing and transaction processing platform, which comprises the following modules:
the client account module is used for establishing an independent account structure for each client and recording client preference, client click times, client position information and client shopping merchant information;
the mall module belongs to a set of merchants with online products and is used for displaying information of resident merchants, commodity information and coupon information;
the online order module is used for pre-ordering after the commodity is selected by the customer and ordering after the corresponding full-reduction coupon or discount coupon is selected;
the off-line merchant two-dimensional code module is used for acquiring merchant two-dimensional code information off line by a customer, and selecting one of WeChat, payment treasures and cloud flash payment for payment;
the online cash register module is used for selecting corresponding bank card payment or selecting one of WeChat, payment treasures and cloud flash payment for payment when a customer pays, and returning a payment result to the online order module for display;
the message pushing module is associated with the client account module and is used for acquiring information from the client account module and pushing merchant messages to clients in real time according to client preference;
the merchant recommending module is associated with the client account module and is used for classifying according to client preference and recommending nearby merchants classified according to client portrait to clients;
the coupon virtual wallet is used for a virtual account stored after a client receives a merchant coupon.
Further, in the merchant recommendation module, a classification algorithm adopted for classifying the customer portrait is a K-nearest neighbor algorithm, which specifically comprises:
given two discrete sample data:
sample one, a set of feature samples representing a customer:
X＝(x 1 ,x 2 ,....x n )
sample two, the nearest discrete sample set of N merchants:
Y＝(y 1 ,y 2 ,....y n )
wherein n represents the number of features contained in the representation of the user;
acquiring a characteristic sample set of a client and the nearest N commercial tenant discrete sample sets, and calculating Euclidean distances from the characteristic sample set of the client to the nearest N commercial tenant characteristic sample sets:
setting the maximum K value not to exceed 10 and the minimum K value to be more than or equal to 3:
k(3＜＝k＜＝10)＝bx
x represents the number of merchants, b is a constant coefficient smaller than 1;
and calculating a K value, and dividing the clients into merchant types with the most occurrence types in the range of the K value, namely finishing client portrait classification.
Further, the merchant information pushing and transaction processing platform comprises an online processing method, and comprises the following steps:
step 101: the client account module establishes an independent account structure for the client, records client preference and client position information, enters the mall module and recommends merchants and commodities according to the client preference;
step 102: after the customer selects the commodity and clicks the payment, the online order module is called up to perform pre-ordering;
step 103: selecting relevant coupons in the coupon virtual wallet according to the order association;
step 104: the online cash register module is adjusted during payment, and information of each cooperative bank, weChat, payment bank and cloud flash payment options are displayed;
step 105: the customer selects one of a bank card or a WeChat, a payment bank and a cloud flash payment to pay the order;
step 106: after the customer pays, the payment message is sent to the online order module, the online order module can display the payment result in a back mode, and the payment result can be registered into the customer account module according to the information of the customer preference.
Further, the merchant information pushing and transaction processing platform comprises an off-line processing method, which comprises the following steps:
step 201: the client account module establishes an independent account structure for the client, records client preference, client click times, client position information and client shopping merchant information, and the message pushing module pushes merchant messages to the client in real time according to the client preference, or the merchant recommending module carries out classification operation according to the client preference and recommends nearby merchants classified according to the client portrait to the client;
step 202: the customer goes to off-line merchant entity store or experience store;
step 203: and the client selects good goods, calls an off-line merchant two-dimension code module to acquire merchant two-dimension code information, and selects one of WeChat, payment treasures and cloud flash payment to scan an aggregate collection code of the merchant for payment.
Compared with the prior art, the invention has the beneficial effects that:
the merchant information pushing and transaction processing platform provided by the invention firstly well solves the problems that the bank needs operations such as reduction of the sales related commission amount of the original bank for the merchant marketing, and the like, so as to obtain the acquiring merchant, and most of the merchants are invalid merchants and risk merchants. Secondly, the invention aims at changing the online and offline retail modes, and aims at promoting the online and offline experience, online consumption marketing mode, and further provides an intuitive shopping mode for customers without paying service to merchants, and the customers can experience, try on and try on, and finally make online and offline purchases, and online experience and online multiple purchase return automatic marketing mode.
Drawings
In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings that are needed in the embodiments will be briefly described below, and it is obvious that the drawings in the following description are only some embodiments described in the present invention, and other drawings may be obtained according to these drawings for a person having ordinary skill in the art.
FIG. 1 is a functional block diagram of a merchant information pushing and transaction processing platform according to the present invention.
FIG. 2 is an example of a customer representation classification algorithm diagram provided by the present invention.
FIG. 3 is a flow chart of an on-line transaction processing method provided by the invention.
FIG. 4 is a flow chart of an off-line transaction processing method provided by the invention.
Detailed Description
In order to better understand the technical solution, the technical solution in the embodiment of the present invention will be clearly and completely described below with reference to the accompanying drawings in the embodiment of the present invention. It will be apparent that the described examples are only some embodiments, but not all embodiments, of the present invention. Based on the embodiments of the present invention, those of ordinary skill in the art will be able to devise all other embodiments that are obtained based on this application and are within the scope of the present invention.
The invention provides a merchant information pushing and transaction processing platform, and functional modules are shown in figure 1.
The method comprises the following modules:
the client account module 1 is used for establishing an independent account structure for each client, recording client preference, client click times, client position information, client shopping merchant information and the like, and providing data sources for other module operations;
the mall module 2 belongs to a set of merchants with online products and is used for displaying resident merchant information, commodity information and coupon information;
the online order module 3 is used for making an order in advance before paying after the commodity is selected by the customer and making an order after selecting a corresponding full-reduction coupon or discount coupon;
the off-line merchant two-dimensional code module 4 is used for acquiring merchant two-dimensional code information off line by a client and selecting one of WeChat, payment treasures and cloud flash payment for payment;
the online cash desk module 5 is used for selecting corresponding bank card payment or selecting one of WeChat, payment treasures and cloud flash payment for payment when a customer pays, and returning a payment result to the online order module for display;
the message pushing module 6 is associated with the client account module and is used for acquiring information from the client account module and pushing merchant messages to clients in real time according to client preference;
the merchant recommending module 7 is associated with the client account module and is used for classifying according to client preference and recommending nearby merchants classified according to client portraits to clients;
and the coupon virtual wallet 8 is used for a virtual account stored after the client takes the merchant coupon.
The merchant information pushing and transaction processing platform is convenient for users to browse the platform merchant products and better acquire platform merchant preferential information, and the form can be APP or applet, and the use process is divided into an online mode, an offline mode and an online-offline combination mode. Specifically, firstly, a client registers at an APP end or an applet end, a favorite page is popped up, the client selects own hobbies and favorite commodities, then the related nearby merchant information page is displayed to the client, merchant information is displayed according to the preference of the client, the merchant information is displayed at a position which is about far away from the current position of the client, the client can directly click a recommended store to browse the commodities, and whether some coupons can be used or not can be checked, for example, a sports commodity store is displayed, the client can directly go to the store after browsing the commodities to check the commodities, if the client selects to purchase the coupons which can be used, the client can directly pay to obtain the commodities, or can not pay the coupons directly after online experience, but if the client wants to purchase the commodities, the client can directly select the coupons to purchase in an online manner, the APP end or the applet end can establish a unique operation account of the client, the information, the preference, the operation information and the like of the client can be established in a background, the client can be uniformly established in the information, and the information of the client can be provided with the store, the merchant and the relevant information is provided in real-time according to the store information, the real-time, and the like, and the real-time information is provided by the client and the store information is provided.
As shown in fig. 2, in the merchant recommendation module 7, the classification algorithm used for classifying the customer representation is a K-nearest neighbor algorithm, specifically:
given two discrete sample data:
sample one, a set of feature samples representing a customer:
X＝(x 1 ,x 2 ,....x n )
sample two, the nearest discrete sample set of N merchants:
Y＝(y 1 ,y 2 ,....y n )
wherein n represents the number of features contained in the representation of the user; our representation of the user contains many attributes and many features, we need to quantify these attributes in such a way that the customer prefers to a certain commodity and prefers what kind of service (which can be obtained by the customer account module 1 and the survey report the customer fills in by himself), and each merchant also has data that can be quantified by himself, the merchant must be the N merchants nearest to the customer, and the distance can be set, and these quantified data are the feature set of the merchant.
Acquiring a characteristic sample set of a client and the nearest N commercial tenant discrete sample sets, and calculating Euclidean distances from the characteristic sample set of the client to the nearest N commercial tenant characteristic sample sets:
thus, the distance relation between the merchant and the preference of the customer can be obtained. These merchants have their own labels and classifications, so the K value needs to be set to determine to which class of merchant the customer belongs, and the K value should be chosen to be a varying value.
The invention sets the linear relation between the K value and the number of the commercial tenant in the nearby line, and is in direct proportion, the larger the number of the commercial tenant is, the larger the K value is, but the maximum value is not more than 10, and the minimum value is more than or equal to 3:
k(3＜＝k＜＝10)＝bx
x represents the number of merchants, b is a constant coefficient smaller than 1, the constant coefficient can be set by the user, the K value is calculated finally, the type of the merchant with the largest occurrence type in the K value range can be classified into the type of the merchant, the classification of the merchant is determined, and then, other types of merchants with the similar image distance to the customer can be recommended to the customer, but mainly the merchants with the same merchant type are supposed to be recommended.
The customer operation process divides the online and offline transaction modes and the online and offline combination mode.
If an online transaction mode is adopted, the mall module 2 contains information of each resident merchant, the mall module 2 contains commodity information and coupon information, the mall displays commodities, customers can select commodities and pay, the online order module 3 can be called in the payment process to make a pre-order, the customers can select corresponding full-reduction coupons or discount coupons from the coupon virtual wallet 8, when paying, the online cash desk module 5 can be called, the cash desk device contains information of each cooperative bank, the customers can select corresponding bank card to pay, and also can select WeChats, payment treasures, cloud flash payment and the like to pay, the online cash desk module 5 can pull up a WeChat, payment treasures, cloud flash payment interface to pay, and finally the online order module 3 is informed of the result after paying, and the online order module 3 can display the payment result. The above is the payment flow of the online transaction.
Specifically, the merchant information pushing and transaction processing platform, the online processing method is shown in fig. 3, and the steps are as follows:
step 101: the client account module establishes an independent account structure for the client, records client preference and client position information, enters the mall module and recommends merchants and commodities according to the client preference;
step 102: after the customer selects the commodity and clicks the payment, the online order module is called up to perform pre-ordering;
step 103: selecting relevant coupons in the coupon virtual wallet according to the order association;
step 104: the online cash register module is adjusted during payment, and information of each cooperative bank, weChat, payment bank and cloud flash payment options are displayed;
step 105: the customer selects one of a bank card or a WeChat, a payment bank and a cloud flash payment to pay the order;
step 106: after the customer pays, the payment message is sent to the online order module, the online order module can display the payment result in a back mode, and the payment result can be registered into the customer account module according to the information of the customer preference.
The use process of the off-line transaction mainly comprises the steps that a customer selects and uses an APP, an off-line two-dimension code system of a merchant is scanned, the APP obtains information of a two-dimension code (aggregate code) of the merchant, an off-line merchant two-dimension code module 4 is called, and WeChat, payment bank or cloud flash payment can be selected for payment, so that the off-line process is completed. The process of using the APP offline further includes a message pushing module 6 and a merchant recommending module 7, when the client uses the APP or not, the client receives recommendation information of the message pushing module 6, the message pushing module 6 needs to acquire information from the client account module 1, and then, according to personalized message pushing of the client, such as nearby resident merchants, high-score merchants recommended according to client preference, merchants with coupons, and the like, merchant news, and the like, the client can close the message pushing for the content, the merchant recommending module 7 performs independent display on an APP interface, the merchant recommending module 7 performs classification operation according to client preference and types of merchants preferred by the client, and the nearby merchants classified according to client images are recommended to be displayed for the client, so that the client can browse the recommended merchants classified. Wherein, classify to customer portrait, the classification algorithm adopted is KNN: k neighbor algorithm.
Specifically, the merchant information pushing and transaction processing platform, the offline processing method is shown in fig. 4, and the steps are as follows:
step 201: the client account module establishes an independent account structure for the client, records client preference, client click times, client position information and client shopping merchant information, and the message pushing module pushes merchant messages to the client in real time according to the client preference, or the merchant recommending module carries out classification operation according to the client preference and recommends nearby merchants classified according to the client portrait to the client;
step 202: the customer goes to off-line merchant entity store or experience store;
step 203: and the client selects good goods, calls an off-line merchant two-dimension code module to acquire merchant two-dimension code information, and selects one of WeChat, payment treasures and cloud flash payment to scan an aggregate collection code of the merchant for payment.
For example, if a customer has a Jilin bank-related merchant in a certain non-long living position (if a new store exists nearby), if the customer has a Jilin bank-related merchant in a nearby X kilometer (X can be set by itself), at this time, the system analyzes the preference of the customer, and if the customer matches the merchant, the default Jilin bank-related merchant can recommend to the customer, each merchant has a related introduction and comment, after the system calculates the nearby merchant conforming to the preference of the customer, the customer is informed in a message pushing manner, the customer assumes that the customer is not familiar to everything in this area, after the related recommendation pops up, the customer knows where the merchant has the preference nearby and the commodity, and if the customer selects to go to the physical store at this time, or experience the merchant can select to purchase the commodity directly in the physical store, select a pay-off mode under the physical store, enjoy the discount activities such as the preference of the merchant or randomly stand-off and stand-off, if the merchant only establishes the experience store experience, but does not consume the relevant information in the store-side of the merchant, the store-related experienced commodity information can be displayed in the shopping mall of the APP, the customer can select to make the commodity and pay-off the commodity, pay-off the commodity by the same pay-off platform, pay-off the commodity by randomly or stand-off the commodity, pay-off platform can be selected and run, and the payment platform can pay the payment by randomly.
In summary, the merchant information pushing and transaction processing platform is a customer acquisition platform customized by a bank for merchants and a new retail model, and firstly, the invention well solves the problems that the operation of the bank for the marketing of the merchants needs to be reduced by the related commission of the original bank to acquire the acquiring merchant, and most of the merchants are invalid merchants and risk merchants. Secondly, the invention aims at changing the online and offline retail modes, and aims at promoting the online and offline experience, online consumption marketing mode, and further provides an intuitive shopping mode for customers without paying service to merchants, and the customers can experience, try on and try on, and finally make online and offline purchases, and online experience and online multiple purchase return automatic marketing mode.
The foregoing is merely illustrative of the preferred embodiments and principles of the present invention, and not in limitation thereof. Any modification, equivalent replacement, improvement, etc. which are within the spirit and principle of the present invention, should be considered as the protection scope of the present invention, based on the ideas provided by the present invention, for those skilled in the art.

Claims (4)

1. The merchant information pushing and transaction processing platform is characterized by comprising the following modules:
the client account module is used for establishing an independent account structure for each client and recording client preference, client click times, client position information and client shopping merchant information;
the mall module belongs to a set of merchants with online products and is used for displaying information of resident merchants, commodity information and coupon information;
the online order module is used for pre-ordering after the commodity is selected by the customer and ordering after the corresponding full-reduction coupon or discount coupon is selected;
the off-line merchant two-dimensional code module is used for acquiring merchant two-dimensional code information off line by a customer, and selecting one of WeChat, payment treasures and cloud flash payment for payment;
the online cash register module is used for selecting corresponding bank card payment or selecting one of WeChat, payment treasures and cloud flash payment for payment when a customer pays, and returning a payment result to the online order module for display;
the message pushing module is associated with the client account module and is used for acquiring information from the client account module and pushing merchant messages to clients in real time according to client preference;
the merchant recommending module is associated with the client account module and is used for classifying according to client preference and recommending nearby merchants classified according to client portrait to clients;
the coupon virtual wallet is used for a virtual account stored after a client receives a merchant coupon.
2. The merchant information pushing and transaction processing platform according to claim 1, wherein in the merchant recommendation module, a classification algorithm adopted for classifying the customer portraits is a K-nearest neighbor algorithm, and specifically:
given two discrete sample data:
sample one, a set of feature samples representing a customer:
X＝(x 1 ,x 2 ,....x n )
sample two, the nearest discrete sample set of N merchants:
Y＝(y 1 ,y 2 ,....y n )
wherein n represents the number of features contained in the representation of the user;
acquiring a characteristic sample set of a client and the nearest N commercial tenant discrete sample sets, and calculating Euclidean distances from the characteristic sample set of the client to the nearest N commercial tenant characteristic sample sets:
setting the maximum K value not to exceed 10 and the minimum K value to be more than or equal to 3:
k(3＜＝k＜＝10)＝bx
x represents the number of merchants, b is a constant coefficient smaller than 1;
and calculating a K value, and dividing the clients into merchant types with the most occurrence types in the range of the K value, namely finishing client portrait classification.
3. The merchant information pushing and transaction processing platform according to claim 1, comprising an on-line processing method, comprising the steps of:
step 101: the client account module establishes an independent account structure for the client, records client preference and client position information, enters the mall module and recommends merchants and commodities according to the client preference;
step 102: after the customer selects the commodity and clicks the payment, the online order module is called up to perform pre-ordering;
step 103: selecting relevant coupons in the coupon virtual wallet according to the order association;
step 104: the online cash register module is adjusted during payment, and information of each cooperative bank, weChat, payment bank and cloud flash payment options are displayed;
step 105: the customer selects one of a bank card or a WeChat, a payment bank and a cloud flash payment to pay the order;
step 106: after the customer pays, the payment message is sent to the online order module, the online order module can display the payment result in a back mode, and the payment result can be registered into the customer account module according to the information of the customer preference.
4. The merchant information pushing and transaction processing platform according to claim 1, comprising an off-line processing method, comprising the steps of:
step 201: the client account module establishes an independent account structure for the client, records client preference, client click times, client position information and client shopping merchant information, and the message pushing module pushes merchant messages to the client in real time according to the client preference, or the merchant recommending module carries out classification operation according to the client preference and recommends nearby merchants classified according to the client portrait to the client;
step 202: the customer goes to off-line merchant entity store or experience store;
step 203: and the client selects good goods, calls an off-line merchant two-dimension code module to acquire merchant two-dimension code information, and selects one of WeChat, payment treasures and cloud flash payment to scan an aggregate collection code of the merchant for payment.
CN202311549389.0A 2023-11-20 2023-11-20 Merchant information pushing and transaction processing platform Pending CN117522515A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CN202311549389.0A CN117522515A (en) 2023-11-20 2023-11-20 Merchant information pushing and transaction processing platform

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN202311549389.0A CN117522515A (en) 2023-11-20 2023-11-20 Merchant information pushing and transaction processing platform

Publications (1)

Publication Number Publication Date
CN117522515A true CN117522515A (en) 2024-02-06

Family

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Application Number Title Priority Date Filing Date
CN202311549389.0A Pending CN117522515A (en) 2023-11-20 2023-11-20 Merchant information pushing and transaction processing platform

Country Status (1)

Country Link
CN (1) CN117522515A (en)

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