WO2014172967A1 - 一种消费管理系统及方法 - Google Patents
一种消费管理系统及方法 Download PDFInfo
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- WO2014172967A1 WO2014172967A1 PCT/CN2013/077230 CN2013077230W WO2014172967A1 WO 2014172967 A1 WO2014172967 A1 WO 2014172967A1 CN 2013077230 W CN2013077230 W CN 2013077230W WO 2014172967 A1 WO2014172967 A1 WO 2014172967A1
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- consumption
- identification code
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- 238000000034 method Methods 0.000 title claims abstract description 63
- 238000012795 verification Methods 0.000 claims abstract description 34
- 238000007726 management method Methods 0.000 claims description 16
- 238000012545 processing Methods 0.000 claims description 14
- 230000006399 behavior Effects 0.000 description 23
- 230000009286 beneficial effect Effects 0.000 description 4
- 230000007547 defect Effects 0.000 description 2
- 238000010586 diagram Methods 0.000 description 2
- 238000005516 engineering process Methods 0.000 description 2
- 238000003287 bathing Methods 0.000 description 1
- 230000003796 beauty Effects 0.000 description 1
- 238000004891 communication Methods 0.000 description 1
- 230000000694 effects Effects 0.000 description 1
- 238000012986 modification Methods 0.000 description 1
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Classifications
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
Definitions
- the present invention relates to the field of network payment technologies, and in particular, to a consumer management system and method. Background technique
- the network platform (generally the website providing the consumption item) sends a series of codes to the user's mobile phone; the user is at the merchant.
- the code is presented to the merchant, and the merchant enters the code into the network system for verification, thereby confirming whether the user effectively participates in the service item provided by the merchant and what service items the user specifically consumes.
- the actual payment process of the user may be carried out through the network or in the merchant.
- the code needs to be manually input to the network platform, and the manual input coding process is cumbersome, slow and error-prone; and the user also needs Saving the code increases the user's additional processing behavior; on the other hand, since the code is only composed of numbers or letters, it is easy to be stolen, and the security of the above method also has hidden dangers.
- the object of the present invention is to provide a consumption management system and method, which combines the payment process and the consumer behavior to realize the process of verifying the consumption behavior and the card payment payment, thereby making the whole consumption process Faster and safer.
- the present invention has the following technical solutions:
- a consumption management system comprising the following: a platform module, configured to receive a legal code of the payment action information submitted by the user and the payment tool that the user pays for the consumption action; associate the consumption action information with the payment tool to legally generate the consumption identification code;
- a payment terminal configured to collect the actual code of the payment instrument
- a verification module configured to receive the consumption identification code, and receive an actual coding of the payment tool collected by the payment terminal, and determine whether the actual coding and the legal code in the consumption identification code match, and if the two match, the consumption identifier is The code obtains the consumption action information submitted by the user.
- the platform module specifically includes:
- a key generation unit configured to generate a pair of uniquely matched public and private keys, and save the public key
- An interface unit configured to: when the user has a consumption behavior, extract the consumption action information, instruct the user to input a legal code of the payment instrument for payment and receive;
- An association unit configured to associate the consumption action information with a payment tool to legally generate a first consumption identification code
- an encryption unit configured to encrypt the first consumption identification code by using the public key, to generate the second consumption identification code.
- the system also includes:
- a key processing module configured to receive and save a private key generated by the key generation unit, receive the second consumption identification code, perform a decryption operation by using the private key, and decrypt the decrypted
- the second consumer identification code performs an encryption operation to obtain a legal consumption identification code.
- the key processing module is further configured to: receive an actual code of the payment tool collected by the payment terminal, perform an encryption operation on the actual code by using a preset encryption algorithm, and obtain an actual consumption identification code.
- the preset encryption algorithm is specifically a symmetric algorithm.
- the verification module specifically includes:
- a collecting unit configured to collect the legal consumption identification code and an actual consumption identification code
- a matching unit configured to match the legal consumption identification code with an actual consumption identification code
- a feedback unit configured to: when the legal consumption identification code and the actual consumption identification code are successfully matched, The consumption action information included in the legal consumption identification code is fed back; or the failure prompt is feedback when the matching is unsuccessful.
- the payment tool specifically includes:
- the consumption action information includes:
- User information and consumption item information includes a user name and a user mobile phone number; and the consumption item information includes a consumption amount, a consumption item name, a consumption item content, a preferential information, and/or a consumption item validity period.
- a consumption management method comprising the following steps:
- the generating the consumption identification code is specifically:
- the first consumer identification code is encrypted by using the public key to generate the second consumer identification code
- the method further includes:
- the actual encoding is encrypted by a preset encryption algorithm to obtain an actual consumption identification code.
- the determining whether the actual encoding matches the legal encoding in the consumption identification code is: matching the legal consumption identification code with the actual consumption identification code.
- the beneficial effects of the present invention are: a consumer identification code obtained by associating a payment instrument number with a consumption action information, and the merchant pays the card while the user is paying the card.
- the consumer identification code is used for the verification of the consumption behavior and the acquisition of the consumption action information, thereby combining the two processes of payment and verification into one; avoiding the traditional process of sending a series of codes to the user and manually entering the code by the merchant, It improves the efficiency and accuracy of the consumer verification process; it also avoids the shortcomings of the above-mentioned series of codes that are easily stolen, and increases the security of the consumption process.
- FIG. 1 is a schematic structural diagram of a system according to an embodiment of the present invention.
- FIG. 3 is a schematic structural diagram of a system according to another embodiment of the present invention.
- FIG. 4 is a flow chart of a method according to another embodiment of the present invention.
- FIG. 1 a specific embodiment of the consumption management system of the present invention is shown.
- the user For some consumer behaviors that require users to go to the merchant's location to enjoy their consumption, the user also needs to go through a verification process of the consumer behavior at the merchant, confirming that the user has participated in a consumer project, and the merchant is informed of the consumer project. specific contents.
- the payment tool is associated with the user's consumption behavior, thereby combining the payment process with the verification process of the consumption behavior, thereby avoiding the platform transmitting a series of codes for the user.
- the system specifically includes: The platform module is configured to receive a legal code of the payment action information submitted by the user and the payment tool that the user pays for the consumption action; and associate the consumption action information with the payment tool to legally generate the consumption identification code.
- the platform module is generally associated with a website or a network platform that displays consumption items for the user and provides a consumption channel, such as a shopping website.
- the shopping website displays relevant information and specific descriptions of the consumption items issued by the respective merchants for the user; the platform module receives relevant data information through one or more network platforms.
- a user submits an order to participate in a certain consumption item, that is, the user has a consumption action; the user information (such as the user name, the user's mobile phone number) of the user and the consumption item information of the user (for example, the name of the consumption item, consumption)
- the project content, the amount of consumption, the expiration date of the consumer project, and the preferential information are made into a consumption action information.
- the specific platform module will instruct the user to select a payment instrument to complete the payment for the consumption action, and the platform module receives the legal code of the payment instrument.
- the form of the payment tool is not limited, and any entity or virtual tool having a payment function can be used as the payment tool in the embodiment.
- the payment instrument is often a credit card or a debit card provided by the bank, but may also be a membership card of the merchant with a payment function or a voucher issued by the merchant; or even a virtual figure with a graphic, a number, and a code as a carrier Payment tools (such as barcodes, QR codes).
- the legal code of the payment instrument may be the card number of the credit card or debit card, the membership number of the membership card or the number of the voucher, the verification number included in the virtual payment instrument; in short, the payment instrument having the payment function has a unique number Provided to the platform module as the legal code.
- the platform module After obtaining the consumption action information and the legal coding of the payment tool, the platform module associates the consumption action information with the payment tool to legally generate the consumption identification code.
- the consumer identification code will serve as the basis for the consumer behavior verification process, so that the merchant can confirm whether the user participates in a certain consumption item and participates in which consumption item.
- the consumer identification code is associated with the payer for payment. This provides a prerequisite for the combination of the payment process and the consumer behavior verification process.
- a payment terminal for collecting the actual code of the payment instrument for collecting the actual code of the payment instrument.
- the payment terminal is located at a location where the merchant is located.
- the specific device may be a POS machine or a computer settlement system.
- the payment tool for payment has been selected, and the verification process of the consumption action is associated with the payment process, so the debit card can be directly used by the user through the ordinary POS machine.
- Swipe card settlement For other payment tools such as membership cards or vouchers, you can use the corresponding computer settlement system of the merchant to clear the card.
- the payment terminal collects the actual code of the payment tool provided by the user for subsequent verification and matching process.
- the actual code is corresponding to the above-mentioned legal code, and both refer to the unique number of the payment tool. The difference is that the legal code is collected by the user's input, and the actual code will be used as the party to be verified.
- a verification module configured to receive the consumption identification code, and receive an actual coding of the payment tool collected by the payment terminal, and determine whether the actual coding and the legal code in the consumption identification code match, and if the two match, the consumption identifier is The code obtains the consumption action information submitted by the user.
- the two verified by the verification module are the actual codes of the consumption identification code and the payment instrument, respectively.
- the general idea of the verification process can be expressed as the consistency between the legal code contained in the consumption identification code and the actual code collected by the payment terminal.
- direct comparison of legal encoding with actual encoding may not be used. Instead, some special processing is performed on the two encodings first, and comparison and matching are performed. If the matching result shows that the two codes are consistent, the user has participated in the consumption item provided by the merchant, and the consumption action information associated with the payment instrument in the consumer identification code can be obtained through the number of the payment instrument, thereby clarifying the user participation.
- the specific content of the consumer project is the specific content of the consumer project.
- the embodiment shown in Figure 1 is a basic embodiment of the consumption management system of the present invention. corresponding, In order to correspond to the consumption management system, the present invention also includes a consumption management method. 2 is a basic embodiment of a consumption management method according to the present invention, and the method embodiment shown in FIG. 2 corresponds to the system embodiment shown in FIG. 1. The specific workflow of the system embodiment shown in FIG. 1 will be described below in conjunction with the method shown in FIG.
- Step 201 Receive a legal encoding of the consumption action information submitted by the user and a payment tool that the user pays for the consumption action; and associate the consumption action information with the payment tool to legally generate the consumption identification code.
- the user browses to a consumer project on a network platform, and a consumer action occurs in the consumer project; the platform module obtains user information (eg, user name, user mobile phone number) and consumer project information (eg, consumption)
- user information eg, user name, user mobile phone number
- consumer project information eg, consumption
- the project name, consumption item content, consumption amount, consumption item validity period, and preferential information are collectively used as consumption action information.
- the user inputs the legal code of the payment instrument that pays for the consumption action to the platform module as a payment route.
- the platform module associates the consumption action information with the payment instrument to legally generate a consumption identification code to implement association between payment and consumption behavior verification.
- Step 202 Perform actual code collection on the payment instrument.
- the above process occurs while the user is paying by card. After the user participates in a certain consumption item, the user needs to go to the merchant's location to enjoy the consumption item, and complete the process of paying the card at the merchant's location.
- the verification of the consumption behavior is merged with the payment process, so while the user pays the card, the payment terminal collects the actual code of the payment instrument for the risk certificate.
- Step 203 Determine whether the actual coding and the legal coding in the consumption identification code match, and when the two match, obtain the consumption action information submitted by the user according to the consumption identification code.
- the actual code collected by the payment terminal is matched with the legal code in the consumption identification code.
- the merchant can obtain the corresponding consumption action information through the consumption identification code, thereby knowing the consumption amount of the user and the purchase amount thereof. Information such as consumption items, so that merchants can provide corresponding services to users and charge settlement.
- the system and method described in the embodiments shown in FIG. 1 and FIG. 2 have the following beneficial effects: the consumer identification code obtained by associating the payment tool with the consumption action, the merchant is While the user pays by the card, the consumer identification code is used to verify the consumption behavior and the consumption item information is acquired, thereby combining the two processes of payment and verification into one; avoiding the traditional sending of a series of codes to the user and the merchant manual The process of entering the code improves the efficiency and accuracy of the consumer verification process; at the same time, it avoids the defects that the above series of codes are easily stolen, and increases the security of the consumption process. Referring to FIG.
- the platform module is configured to receive a legal code of the payment action information submitted by the user and the payment tool that the user pays for the consumption action; and associate the consumption action information with the payment tool to legally generate the consumption identification code.
- the platform module specifically includes:
- the key generation unit is configured to generate a pair of uniquely matched public and private keys, and save the public key.
- the process of encrypting and decrypting the consumer identification code is added.
- the pair of public and private keys generated by the key generation unit help implement the above encryption and decryption process.
- the interface unit is configured to: when the user has a consumption behavior, extract the consumption action information, instruct the user to input a legal code of the payment instrument for payment and receive.
- the interface unit directly exchanges information with the user, collects consumption behavior information, and provides a way for the user to legally encode the input payment tool.
- the user inputs the card number 001 of the credit card to the interface unit as a legal code.
- the consumer action information still includes two parts: user information and consumption item information.
- the user information includes a user name and a mobile phone number of the user.
- the user name of the user is abc, and the mobile phone number of the user is 12345;
- the name of the consumption item is the A package, and the consumption amount is 100 yuan.
- the content of the consumption item shows the dishes included in the A package, and the consumption is consumed.
- the project expiration date and preferential information are not shown in this embodiment. Integrate the above information as consumption action information
- an association unit configured to associate the consumption action information with a payment tool to legally generate a first consumption identification code.
- the association module generates the first consumer identification code by using the credit card number 001 that the consumer action information is associated with the user to pay.
- an encryption unit configured to encrypt the first consumption identification code by using the public key, to generate the second consumption identification code.
- the encryption unit uses the public key generated and saved in the embodiment to encrypt the first consumption identification code, and obtains the encrypted consumption identifier, because the first consumer identification code is not subjected to any encryption processing and the security is poor.
- the code is the second consumer identification code.
- a payment terminal for collecting the actual code of the payment instrument for collecting the actual code of the payment instrument.
- the payment terminal is specifically a POS machine.
- the POS machine When the user goes to the Y restaurant to eat, the credit card with the number 001 is swiped, and the POS machine will collect the actual number 001 of the credit card while the card is being swiped.
- a key processing module configured to receive and save a private key generated by the key generation unit, receive the second consumption identification code, perform a decryption operation by using the private key, and decrypt the decrypted
- the second consumption identification code is encrypted to obtain a legal consumption identification code; the actual payment code of the payment tool collected by the payment terminal is received, and the actual coding is encrypted by a preset encryption algorithm to obtain an actual consumption identification code.
- the key processing module is a new functional module in the system described in this embodiment.
- the key processing module holds the private key in the key pair generated by the key generation unit. Since the public key encrypted with the second consumer identification code uniquely matches the private key, the key processing module can use the private key to decrypt the second consumption identification code and restore it to the first consumption identification code.
- the key processing module After decryption, the key processing module performs the decrypted consumption identifier by using a preset encryption algorithm.
- the code performs an encryption operation to obtain a legal consumption identification code.
- the preset encryption algorithm is mainly for calculating the associated payment instrument number (001 in this embodiment) in the consumer identification code. Because there is a large security risk in directly matching the card number, it is easy to cause the card number to leak. Therefore, in order to improve security, the card number must be calculated by a specific algorithm. In the final verification process, the legal consumption identification code will be used. Verify, and avoid verifying the card number directly.
- the verification of the consumption behavior is essentially the matching of the payment instrument number, so other information data in the consumption identification code generally does not need to perform similar operations.
- the actual code collected by the payment terminal also needs to perform the same encryption operation by using the preset encryption algorithm; the actual code subjected to the encryption operation is used as the international consumption identification code. If the user pays by credit card with the card number 001, then the actual code is the same as the legal code (all 001), then the legal consumption identification code and the actual consumption identification code obtained by the operation are also necessarily equal; otherwise the above identification code and The identification codes must not be equal.
- the encryption algorithm preset by the key processing module is specifically a symmetric algorithm.
- the specific content of the symmetric algorithm is well known in the art and will not be described herein.
- the verification module in the embodiment, is used to verify the consumption behavior, and the verification process is substantially the same as the legal consumption identification code and the actual consumption identification code.
- the specific verification module includes:
- the collecting unit is configured to collect the legal consumption identification code and the actual consumption identification code.
- the matching unit is configured to match the legal consumption identifier code with the actual consumption identifier.
- the identification code matches the identification code, that is, whether the two are equal. It is known from the above description that if the user pays by credit card with the card number 001, the actual code is the same as the legal code (all 001), and the legal consumption identification code and the actual consumption identification code obtained by the operation are also necessarily equal. Otherwise, the above identification code and the identification code are necessarily not equal. Therefore, when the matching is successful, the user does use the pre-selected payment tool to perform the credit card payment; and since the credit card 001 is associated with the consumption action information, it is considered that if the credit card 001 is used for the card payment, the identity of the user who swipe the card can be proved.
- the feedback unit is configured to: when the legal consumption identification code and the actual consumption identification code are successfully matched, extract the consumption action information included in the legal consumption identification code and feed back; or feedback the failure prompt when the matching is unsuccessful.
- the feedback unit feeds back the consumption action information to the merchant, and the merchant can learn that the consumption item name of the user abc is the A package, and the consumption amount is 100 by using the consumption item information in the consumption action information. Yuan, and view the dishes specifically included in the A package. The merchant will charge the user according to the amount of consumption, and provide the user with the corresponding dishes included in the A package to complete the entire consumption process.
- the payment tool for the user to pay by credit card is not the credit card 001
- the matching of the identification code and the identification code will be unsuccessful, and the user will not be able to pass the verification of the consumption behavior, and the feedback module will feed back a failure prompt.
- the system in the embodiment is based on the system shown in FIG. 1, and further has the beneficial effects that: in this embodiment, the encryption operation process is added to the consumption identification code, and the security of the consumption behavior verification is improved.
- the system technical solution described in this embodiment is more complete and more fully disclosed.
- FIG. 4 another specific embodiment of the consumption management method according to the present invention is used. In this embodiment, the method corresponds to the system embodiment shown in FIG.
- the method described in this embodiment is as follows:
- Step 401 Generate a pair of uniquely matched public and private keys.
- Step 402 When the user generates a consumption behavior, extract the consumption action information, and instruct the user to input a legal code of the payment instrument for payment.
- Step 403 Associate the consumption action information with the payment tool to legally generate a first consumption identification code.
- Step 404 Encrypt the first consumption identification code by using the public key to generate the second consumption identification code.
- the execution entities of the above four steps are all the platform modules.
- Step 405 Perform collection of actual coding on the payment instrument.
- the execution subject of this step is the payment terminal.
- Step 406 Receive and save the private key, receive the second consumption identification code, and perform a decryption operation by using the private key.
- Step 407 Encrypt the decrypted second consumption identification code by using a preset encryption algorithm to obtain a legal consumption identification code.
- Step 408 Receive an actual coding of the payment tool, and perform an encryption operation on the actual coding by using a preset encryption algorithm to obtain an actual consumption identification code.
- the execution body of the above three steps is the key processing module.
- Step 409 Collect the legal consumption identification code and the actual consumption identification code, and match the legal consumption identification code with the actual consumption identification code.
- Step 410 When the legal consumption identification code and the actual consumption identification code are successfully matched, extract the consumption action information included in the legal consumption identification code and feed back; or feedback the failure prompt when the matching is unsuccessful.
- the execution body of the above two steps is the verification module.
- the method embodiment shown in FIG. 4 essentially corresponds to the system embodiment shown in FIG. 3, and its beneficial effects are also identical to those of the system embodiment shown in FIG.
- the core of the consumption management system and method of the present invention is that the payment tool is bound to the consumption action, thereby realizing the verification of consumption while actually paying.
- the payment methods described may correspond to a single network platform; or may exist between multiple network platforms in the case of information sharing and payment interworking between network platforms. When the payment method needs to be applied between multiple network platforms, each network platform needs to generate a consumption identification code by using a unified coding rule.
- the technical solution of the present invention which is essential or contributes to the prior art, may be embodied in the form of a software product, which may be stored in a storage medium such as a ROM/RAM or a disk. , an optical disk, etc., comprising instructions for causing a computer device (which may be a personal computer, a server, or a network communication device such as a media gateway, etc.) to perform the various embodiments of the present invention or portions of the embodiments described herein. method.
- a computer device which may be a personal computer, a server, or a network communication device such as a media gateway, etc.
Abstract
本发明实施例提供一种消费管理系统及方法，所述系统包括以下：平台模块，用于接收用户提交的消费动作信息与用户对该消费动作进行支付的支付工具的合法编码；关联所述消费动作信息与支付工具合法编码生成消费标识码；支付终端，用于对支付工具进行实际编码的采集；验证模块，用于接收所述消费标识码，并接收所述支付终端采集的支付工具实际编码，判断所述实际编码与消费标识码中的合法编码是否匹配，当二者匹配则根据该消费标识码获取用户提交的消费动作信息。
Description
一种消费管理系统及方法
技术领域
本发明涉及网络支付技术领域， 特别涉及一种消费管理系统及方法。 背景技术
在信息技术高度发达的今天， 互联网早已成为日常生活中必不可少的一 部分； 而通过网络进行购物消费和支付也早已变得极为普遍， 提供 "网购"、 "团购" 等服务的平台越来越多。 最常见的网络购物主要有如下两种方式： 一为购买实体商品， 如服装、 生活用品、 电子产品等， 网络销售商家往往采 用快递或邮寄的方式将实体商品送往用户的所在地； 另一为消费虚拟商品， 如电影票、 景点门票、 订餐或摄影、 美容、 洗浴等休闲服务； 这一类消费往 往需要用户前往商户所在地享受其消费的服务项目。
其中第二种类型的网络消费，最为常见的一种方式即现在普遍流行的 "团 购"。 针对该类型的网络消费， 现阶段比较常规的流程是， 用户在进行了某一 消费活动之后， 网络平台 （一般为提供该消费项目的网站） 向用户的手机发 送一系列的编码； 用户在商户享受该项消费项目时， 向商户出示该编码， 商 户一方输入编码至网络系统中进行验证， 即可确认该用户是否有效的参与了 该商户提供的服务项目， 及用户具体消费了哪些服务项目。 用户实际发生支 付的过程， 可能通过网络进行， 也可能在商户实际进行。
按照上述通过编码的方式验证客户的消费行为， 存在以下缺陷： 商户在 验证编码时， 需要手动的将编码输入至网络平台， 手动输入编码的过程较为 繁瑣， 速度慢而且容易出错； 同时用户也需要对编码进行保存， 增加了用户 额外的处理行为； 另一方面， 由于所述编码仅为数字或字母组成， 很容易被 盗用， 上述方式的安全性方面也存在隐患。
发明内容
有鉴于此， 本发明的目的在于提供一种消费管理系统及方法， 通过支付 工具与消费行为绑定的方式， 从而实现消费行为的验证与刷卡支付两个过程 合二为一， 使整个消费过程更加快捷和安全。
为实现上述目的， 本发明有如下技术方案：
一种消费管理系统， 所述系统包括以下：
平台模块， 用于接收用户提交的消费动作信息与用户对该消费动作进行 支付的支付工具的合法编码； 关联所述消费动作信息与支付工具合法编码生 成消费标识码；
支付终端， 用于对支付工具进行实际编码的采集；
验证模块， 用于接收所述消费标识码， 并接收所述支付终端采集的支付 工具实际编码， 判断所述实际编码与消费标识码中的合法编码是否匹配， 当 二者匹配则根据该消费标识码获取用户提交的消费动作信息。
所述平台模块具体包括：
密钥生成单元， 用于生成一对唯一匹配的公钥和私钥， 并将所述公钥保 存；
接口单元， 用于当用户发生消费行为时， 提取消费动作信息， 指示用户 输入一个用以支付的支付工具的合法编码并接收；
关联单元， 用于关联所述消费动作信息与支付工具合法编码生成第一消 费标识码；
加密单元， 用于以所述公钥对第一消费标识码进行加密， 生成所述第二 消费标识码。
所述系统还包括：
密钥处理模块， 用于接收并保存所述密钥生成单元生成的私钥， 接收所 述第二消费标识码并利用所述私钥进行解密运算， 再以预设的加密算法对解 密后的第二消费标识码进行加密运算， 得到合法消费标识码。
所述密钥处理模块还用于， 接收支付终端采集的支付工具实际编码， 以 预设的加密算法对所述实际编码进行加密运算， 得到实际消费识别码。
所述预设的加密算法具体为对称算法。
所述验证模块具体包括：
收集单元， 用于收集所述合法消费标识码与实际消费识别码；
匹配单元， 用于对所述合法消费标识码与实际消费识别码进行匹配； 反馈单元， 用于在合法消费标识码与实际消费识别码匹配成功时， 提取
所述合法消费标识码中包含的消费动作信息并反馈； 或在匹配不成功时反馈 失败提示。
所述支付工具具体包括：
信用卡、 借记卡、 会员卡、 代金券或虚拟支付工具。
所述消费动作信息包括：
用户信息和消费项目信息； 所述用户信息包括用户名及用户手机号码； 所述消费项目信息包括消费金额、 消费项目名称、 消费项目内容、 优惠信息 和 /或消费项目有效期。
一种消费管理方法， 所述方法包括以下步骤：
接收用户提交的消费动作信息与用户对该消费动作进行支付的支付工具 的合法编码； 关联所述消费动作信息与支付工具合法编码生成消费标识码； 对支付工具进行实际编码的采集；
判断所述实际编码与消费标识码中的合法编码是否匹配， 当二者匹配则 根据该消费标识码获取用户提交的消费动作信息。
所述生成消费标识码具体为：
生成一对唯一匹配的公钥和私钥；
将关联所述消费动作信息与支付工具合法编码得到的标识码作为第一消 费标识码； 以所述公钥对第一消费标识码进行加密， 生成所述第二消费标识 码；
利用所述私钥对第二消费标识码进行解密运算， 再以预设的加密算法对 解密后的第二消费标识码进行加密运算， 得到合法消费标识码。
所述方法还包括：
以预设的加密算法对所述实际编码进行加密运算，得到实际消费识别码。 所述判断所述实际编码与消费标识码中的合法编码是否匹配具体为： 对所述合法消费标识码与实际消费识别码进行匹配。
根据以上技术方案可知， 本发明存在的有益效果是： 将支付工具编号与 消费动作信息关联绑定而得到的消费标识码， 商户在用户刷卡支付的同时，
借助所述消费标识码进行消费行为的验证与消费动作信息的获取， 从而将支 付与验证两个过程合二为一； 避免了传统的向用户发送一系列编码以及商户 手动录入该编码的过程， 提高了消费验证过程的效率和准确性； 同时也避免 了上述一系列编码容易被盗用的缺陷， 增加了消费过程的安全性。
附图说明
为了更清楚地说明本发明实施例或现有技术中的技术方案， 下面将对实 施例或现有技术描述中所需要使用的附图作筒单地介绍， 显而易见地， 下面 描述中的附图是本发明的一些实施例， 对于本领域普通技术人员来讲， 在不 付出创造性劳动的前提下， 还可以根据这些附图获得其他的附图。
图 1为本发明实施例所述系统结构示意图；
图 2为本发明实施例所述方法流程图；
图 3为本发明另一实施例所述系统结构示意图；
图 4为本发明另一实施例所述方法流程图。
具体实施方式
为使本发明实施例的目的、 技术方案和优点更加清楚， 下面将结合本发 明实施例中的附图， 对本发明实施例中的技术方案进行清楚、 完整地描述， 显然， 所描述的实施例是本发明一部分实施例， 而不是全部的实施例。 基于 本发明中的实施例， 本领域普通技术人员在没有做出创造性劳动前提下所获 得的所有其他实施例， 都属于本发明保护的范围。 参见图 1所示， 为本发明所述消费管理系统的一个具体的实施例。 针对 一些需要用户前往商户所在地享受其消费的服务项目的消费行为， 用户在商 户处还需要经历一个消费行为的验证过程， 已确认该用户参加了某一消费项 目， 并使商户获悉该消费项目的具体内容。 本实施例中实现通过支付工具与 用户的消费行为关联， 从而将支付过程与消费行为的验证过程合二为一， 避 免了平台为用户发送一系列编码。 本实施例中， 当用户本实施例中， 所述系 统具体包括：
平台模块， 用于接收用户提交的消费动作信息与用户对该消费动作进行 支付的支付工具的合法编码； 关联所述消费动作信息与支付工具合法编码生 成消费标识码。
本实施例中， 所述平台模块一般联系着为用户显示消费项目并提供消费 渠道的网站或网络平台， 例如购物网站。 购物网站为用户显示由各个商户发 布的消费项目的相关信息和具体描述； 所述平台模块通过一个或多个网络平 台接收相关的数据信息。
当用户提交订单参与了某一个消费项目，即该用户发生了一个消费动作； 则关联该用户的用户信息 （例如用户名、 用户手机号码） 以及用户参与的消 费项目信息 （例如消费项目名称、 消费项目内容、 消费金额、 消费项目有效 期以及优惠信息） 而制作成一个消费动作信息。 商户一方通过解读该消费动 作信息中包含的内容， 即可明确的向用户提供其参与的消费项目， 并相应收 费。
另外， 当用户发生消费动作时， 还需要选择一个支付途径； 具体的平台 模块将指示用户选定一个支付工具来完成对于该消费动作的支付， 平台模块 接收该支付工具的合法编码。 本实施例中对于所述的支付工具的形式没有做 出限定， 任何具有支付功能的实体或虚拟工具均可以作为本实施例中所述支 付工具。 所述支付工具往往是银行提供的信用卡、 借记卡， 但也可以是具有 支付功能的该商户的会员卡或该商户办发的代金券； 甚至可能是以图形、 编 号、 代码作为载体的虚拟支付工具（例如条码、 二维码）。 所述支付工具的合 法编码可以是信用卡或借记卡的卡号， 会员卡的会员号或代金券的编号， 虚 拟支付工具中包括的验证号； 总之具备支付功能的支付工具都具备一个唯一 的编号作为所述的合法编码提供给平台模块。
平台模块在获取了消费动作信息以及支付工具的合法编码之后， 关联所 述消费动作信息与支付工具合法编码生成消费标识码。 本实施例中， 消费标 识码将作为消费行为验证过程的依据， 以便商户确认用户是否参与了某个消 费项目及参与了哪一种消费项目。 而消费标识码中关联了用以支付的支付工
具， 从而为支付过程与消费行为验证过程的结合提供了前提。
支付终端， 用于对支付工具进行实际编码的采集。
所述支付终端位于商户所在的地点。 其具体对应的装置可能是 POS机或 者电脑结算系统。 用户前往商户所在地获得其消费的服务项目时， 也必然要 进行结算和支付。 本实施例中由于用户通过平台模块参与消费， 已经选定了 支付用的支付工具， 而且消费动作的验证过程与支付的过程相关联， 所以本 者借记卡， 用户可直接通过普通的 POS机刷卡结算； 对于会员卡或代金券等 其他支付工具， 可以通过商户相应的电脑结算系统进行刷卡结算。 在刷卡结 算支付的过程当中， 支付终端采集用户所提供的支付工具的实际编码， 用以 进行后续验证匹配过程。 所述实际编码是对应上述的合法编码而言， 二者所 指代均是支付工具的唯一编号， 不同的是， 所述合法编码通过用户的输入提 采集， 实际编码将作为待验证的一方。
验证模块， 用于接收所述消费标识码， 并接收所述支付终端采集的支付 工具实际编码， 判断所述实际编码与消费标识码中的合法编码是否匹配， 当 二者匹配则根据该消费标识码获取用户提交的消费动作信息。
所述验证模块验证的二者分别为消费标识码和支付工具的实际编码。 验 证过程的大致思路可筒单的表述为， 对照消费标识码中包含的合法编码与支 付终端采集的实际编码二者是否一致。 当然， 在另一些应用场景之下， 可能 不采用直接对比合法编码与实际编码的方式， 而是首先对两种编码做出某些 特别的处理， 在进行对比和匹配。 如果匹配的结果显示两个编码一致则说明 用户已经参与了该商户提供的消费项目， 通过该支付工具的编号即可获悉消 费标识码中与该支付工具关联的消费动作信息， 从而明确该用户参与的消费 项目的具体内容。
图 1所示实施例为本发明所述消费管理系统的一个基础实施例。相应的，
为了对应所述消费管理系统， 本发明中还包括一种消费管理方法。 图 2所示， 为本发明所述消费管理方法的基础实施例， 图 2所示方法实施例与图 1所示 系统实施例对应。 下面将结合图 2所示方法， 对于图 1所示系统实施例的具 体工作流程做出阐述。
步骤 201、 接收用户提交的消费动作信息与用户对该消费动作进行支付 的支付工具的合法编码； 关联所述消费动作信息与支付工具合法编码生成消 费标识码。
首先， 用户在一个网络平台上浏览到某消费项目， 并发生了一个参与该 消费项目的消费动作； 平台模块获取用户信息（例如用户名、 用户手机号码） 以及用户参与的消费项目信息 （例如消费项目名称、 消费项目内容、 消费金 额、 消费项目有效期以及优惠信息）共同作为消费动作信息。 同时用户向平 台模块输入对该消费动作进行支付的支付工具的合法编码以作为支付途径。 平台模块关联所述消费动作信息与支付工具合法编码生成消费标识码， 以实 现支付与消费行为验证的关联。
步骤 202、 对支付工具进行实际编码的采集。
上述过程发生在用户刷卡支付的同时。 用户在参与的某消费项目之后， 需要前往商户所在地享受该消费项目，并在商户所在地完成刷卡支付的过程。 本实施例中消费行为的验证与支付过程合并， 所以在用户刷卡支付的同时， 支付终端采集支付工具的实际编码进行险证。
步骤 203、 判断所述实际编码与消费标识码中的合法编码是否匹配， 当 二者匹配则根据该消费标识码获取用户提交的消费动作信息。
将支付终端采集的实际编码与消费标识码中的合法编码进行匹配验证， 验证通过之后， 商户即可通过消费标识码获取对应的消费动作信息， 从而了 解到该用户的消费金额， 以及其购买的消费项目等信息， 以便商户为用户提 供对应的服务并进行收费结算。
同过上述技术方案可见， 图 1及图 2所示实施例所述系统及方法存在的 有益效果是： 将支付工具与消费动作关联绑定而得到的消费标识码， 商户在
用户刷卡支付的同时， 借助所述消费标识码进行消费行为的验证与消费项目 信息的获取， 从而将支付与验证两个过程合二为一； 避免了传统的向用户发 送一系列编码以及商户手动录入该编码的过程， 提高了消费验证过程的效率 和准确性； 同时也避免了上述一系列编码容易被盗用的缺陷， 增加了消费过 程的安全性。 参见图 3所示， 为本发明所述消费管理系统的另一个具体实施例， 本实 施例中， 本实施例中， 将结合一下场景对于所述系统进行具体的描述： 某用 户在购物网站 X订购了 Y餐厅价值 100元的 A套餐，并且该用户打算以卡号 为 001的信用卡完成对 A套餐费用的支付。 在这一场景下， 本发明所述消费 管理系统的具体结构如下：
平台模块， 用于接收用户提交的消费动作信息与用户对该消费动作进行 支付的支付工具的合法编码； 关联所述消费动作信息与支付工具合法编码生 成消费标识码。
本实施例中， 所述平台模块具体包括：
密钥生成单元， 用于生成一对唯一匹配的公钥和私钥， 并将所述公钥保 存。
本实施例中， 增加了消费识别码加密及解密的过程。 密钥生成单元生成 的一对公私钥帮助实现上述加密及解密的过程。
接口单元， 用于当用户发生消费行为时， 提取消费动作信息， 指示用户 输入一个用以支付的支付工具的合法编码并接收。
所述接口单元与用户直接进行信息的交互， 采集消费行为信息， 并为用 户提供输入支付工具合法编码的途径。 本实施例中， 用户向接口单元输入该 信用卡的卡号 001作为合法编码。
本实施例中， 所述消费动作信息中依然包括用户信息和消费项目信息两 部分。 具体的， 所述用户信息包括用户名及用户手机号码， 本实施例中该用 户的用户名为 abc, 该用户手机号码为 12345; 所述消费项目信息包括消费金
额、 消费项目名称、 消费项目内容、 优惠信息和 /或消费项目有效期； 本实施 例中， 消费项目名称即 A套餐， 消费金额为 100元， 消费项目内容显示了 A 套餐中包括的菜品， 消费项目有效期及优惠信息本实施例中未显示。 将上述 信息整合作为消费动作信息
关联单元， 用于关联所述消费动作信息与支付工具合法编码生成第一消 费标识码。
所述关联模块将消费动作信息关联用户用以支付的信用卡卡号 001 , 生 成第一消费标识码。
加密单元， 用于以所述公钥对第一消费标识码进行加密， 生成所述第二 消费标识码。
由于第一消费标识码没有经过任何的加密处理， 安全性较差， 所以本实 施例中所述加密单元利用之前生成并保存的公钥为第一消费标识码进行加 密， 得到加密后的消费标识码为第二消费标识码。
支付终端， 用于对支付工具进行实际编码的采集。
本实施例中， 所述支付终端具体为 POS机， 用户前往 Y餐厅就餐时， 将 以编号为 001的信用卡进行刷卡支付， 在刷卡的同时 POS机将采集该信用卡 的实际编号 001。
密钥处理模块， 用于接收并保存所述密钥生成单元生成的私钥， 接收所 述第二消费标识码并利用所述私钥进行解密运算， 再以预设的加密算法对解 密后的第二消费标识码进行加密运算， 得到合法消费标识码； 接收支付终端 采集的支付工具实际编码，以预设的加密算法对所述实际编码进行加密运算， 得到实际消费识别码。
所述密钥处理模块为本实施例所述系统中新增的功能模块。 密钥处理模 块保存所述密钥生成单元生成的密钥对中的私钥。 由于对第二消费标识码加 密的公钥与该私钥唯一匹配， 所以所述密钥处理模块利用该私钥即可对第二 消费标识码进行解密， 将其还原为第一消费标识码。
解密之后， 所述密钥处理模块再以预设的加密算法对解密后的消费标识
码进行加密运算， 得到合法消费标识码。 需要说明的是， 所述预设的加密算 法主要是对于消费标识码中关联的支付工具编号 （本实施例中为 001 )进行 运算。 因为直接以卡号进行匹配存在较大的安全风险， 易导致卡号的泄露， 所以一般而言为提高安全性必须通过特定的算法对卡号进行运算， 最终的验 证过程中， 将利用合法消费标识码进行验证， 而避免直接验证卡号。
并且消费行为的验证实质上是支付工具编号的匹配， 所以消费标识码中 的其他信息数据一般无需进行类似的运算。
相应的， 支付终端采集的实际编码同样需要利用该预设的加密算法进行 同样的加密运算； 将经过加密运算的实际编码作为际消费识别码。 若用户以 卡号为 001 的信用卡进行刷卡支付， 那么实际编码与合法编码相同 （均为 001 ) ,则经过运算得到的合法消费标识码与实际消费识别码也必然是相等的； 否则上述识别码与标识码必然不相等。
本实施例中， 所述密钥处理模块预设的加密算法具体为对称算法。 对称 算法的具体内容为本领域所公知， 在此不作赘述。
验证模块， 本实施例中所述验证模块用于完成消费行为的验证， 该验证 过程实质上也就是合法消费标识码与实际消费识别码匹配验证， 具体的所述 验证模块包括：
收集单元， 用于收集所述合法消费标识码与实际消费识别码。
匹配单元， 用于对所述合法消费标识码与实际消费识别码进行匹配。 所述标识码与识别码的匹配， 即判断二者是否相等。 通过上述描述已知， 若用户以卡号为 001的信用卡进行刷卡支付， 那么实际编码与合法编码相同 (均为 001 ) , 则经过运算得到的合法消费标识码与实际消费识别码也必然是 相等的； 否则上述识别码与标识码必然不相等。 所以当匹配成功则说明用户 确实采用预先选定的支付工具进行的刷卡支付； 而由于该信用卡 001与消费 动作信息关联绑定， 则认为如果使用信用卡 001进行刷卡支付， 就能证明刷 卡用户的身份是消费动作信息中用户信息显示的用户 abc,手机号码为 12345; 最终认为该用户通过消费行为的验证。
反馈单元， 用于在合法消费标识码与实际消费识别码匹配成功时， 提取 所述合法消费标识码中包含的消费动作信息并反馈； 或在匹配不成功时反馈 失败提示。
在所述标识码与识别码匹配成功之后， 反馈单元将消费动作信息反馈给 商户， 商户即可通过消费动作信息中的消费项目信息， 获悉用户 abc的消费 项目名称为 A套餐，消费金额为 100元，并查看到 A套餐中具体包含的菜品。 商户即根据消费金额对用户进行收费结算， 并为用户提供 A套餐包含的相应 菜品， 完成整个消费过程。
另外， 如果用户进行刷卡支付的支付工具不是信用卡 001 , 则将导致所 述标识码与识别码的匹配不成功，那么该用户将不能够通过消费行为的验证， 反馈模块将反馈一个失败提示。
本实施例中所述系统在图 1所示系统的基础之上， 进一步存在的有益效 果是： 本实施例中为所述消费标识码增加了加密运算的过程， 提高了消费行 为验证的安全性； 本实施例所述系统技术方案更加完整， 公开更加充分。 参见图 4所示， 为本发明所述消费管理方法的另一个具体的实施例， 本 实施例中， 所述方法对应图 3所示系统实施例。 本实施例中所述方法具体如 下：
步骤 401、 用于生成一对唯一匹配的公钥和私钥。
步骤 402、 当用户发生消费行为时， 提取消费动作信息， 指示用户输入 一个用以支付的支付工具的合法编码。
步骤 403、 关联所述消费动作信息与支付工具合法编码生成第一消费标 识码。
步骤 404、 以所述公钥对第一消费标识码进行加密， 生成所述第二消费 标识码。
以上四个步骤的执行主体均为所述平台模块。
步骤 405、 对支付工具进行实际编码的采集。
该步骤的执行主体为所述支付终端。
步骤 406、 接收并保存所述私钥， 接收所述第二消费标识码并利用所述 私钥进行解密运算。
步骤 407、 以预设的加密算法对解密后的第二消费标识码进行加密运算， 得到合法消费标识码。
步骤 408、 接收支付工具实际编码， 以预设的加密算法对所述实际编码 进行加密运算， 得到实际消费识别码。
以上三个步骤的执行主体为所述密钥处理模块。
步骤 409、 收集所述合法消费标识码与实际消费识别码， 对所述合法消 费标识码与实际消费识别码进行匹配。
步骤 410、 在合法消费标识码与实际消费识别码匹配成功时， 提取所述 合法消费标识码中包含的消费动作信息并反馈； 或在匹配不成功时反馈失败 提示。
以上两个步骤的执行主体为所述验证模块。
图 4所示方法实施例本质上对应图 3所示的系统实施例， 其有益效果也 与图 3所示系统实施例完全相同。 对于本发明还需要说明的是， 本发明所述消费管理系统及方法的核心在 于， 以支付工具绑定消费动作， 从而实现在实际支付的同时实现消费的验证。 阐述的支付方式， 可以对应单一的网络平台当中； 也可以在网络平台之间存 在信息共享和支付互通的情况下， 适用于多个网络平台之间。 而当所述支付 方式需要应用在多个网络平台之间时， 各网络平台需要利用统一的编码规则 制作消费标识码。 通过以上的实施方式的描述可知， 本领域的技术人员可以清楚地了解到 上述实施例方法中的全部或部分步骤可借助软件加必需的通用硬件平台的方
式来实现。 基于这样的理解， 本发明的技术方案本质上或者说对现有技术做 出贡献的部分可以以软件产品的形式体现出来， 该计算机软件产品可以存储 在存储介质中， 如 ROM/RAM、 磁碟、 光盘等， 包括若干指令用以使得一台 计算机设备（可以是个人计算机， 服务器， 或者诸如媒体网关等网络通信设 备， 等等）执行本发明各个实施例或者实施例的某些部分所述的方法。
需要说明的是， 本说明书中的各个实施例均采用递进的方式描述， 各个 实施例之间相同相似的部分互相参见即可， 每个实施例重点说明的都是与其 他实施例的不同之处。 尤其， 对于设备及系统实施例而言， 由于其基本相似 于方法实施例， 所以描述得比较筒单， 相关之处参见方法实施例的部分说明 即可。 以上所描述的设备及系统实施例仅仅是示意性的， 其中作为分离部件 说明的单元可以是或者也可以不是物理上分开的， 作为单元显示的部件可以 是或者也可以不是物理单元， 即可以位于一个地方， 或者也可以分布到多个 网络单元上。 可以根据实际的需要选择其中的部分或者全部模块来实现本实 施例方案的目的。 本领域普通技术人员在不付出创造性劳动的情况下， 即可 以理解并实施。
以上所述仅为本发明的较佳实施例而已， 并非用于限定本发明的保护范 围。 凡在本发明的精神和原则之内所作的任何修改、 等同替换、 改进等， 均 包含在本发明的保护范围内。
Claims
1、 一种消费管理系统， 其特征在于， 所述系统包括以下：
平台模块， 用于接收用户提交的消费动作信息与用户对该消费动作进行 支付的支付工具的合法编码； 关联所述消费动作信息与支付工具合法编码生 成消费标识码；
支付终端， 用于对支付工具进行实际编码的采集；
验证模块， 用于接收所述消费标识码， 并接收所述支付终端采集的支付 工具实际编码， 判断所述实际编码与消费标识码中的合法编码是否匹配， 当 二者匹配则根据该消费标识码获取用户提交的消费动作信息。
2、 根据权利要求 1所述系统， 其特征在于， 所述平台模块具体包括： 密钥生成单元， 用于生成一对唯一匹配的公钥和私钥， 并将所述公钥保 存；
接口单元， 用于当用户发生消费行为时， 提取消费动作信息， 指示用户 输入一个用以支付的支付工具的合法编码并接收；
关联单元， 用于关联所述消费动作信息与支付工具合法编码生成第一消 费标识码；
加密单元， 用于以所述公钥对第一消费标识码进行加密， 生成所述第二 消费标识码。
3、 根据权利要求 2所述系统， 其特征在于， 所述系统还包括： 密钥处理模块， 用于接收并保存所述密钥生成单元生成的私钥， 接收所 述第二消费标识码并利用所述私钥进行解密运算， 再以预设的加密算法对解 密后的第二消费标识码进行加密运算， 得到合法消费标识码。
4、 根据权利要求 3所述系统， 其特征在于：
所述密钥处理模块还用于， 接收支付终端采集的支付工具实际编码， 以 预设的加密算法对所述实际编码进行加密运算， 得到实际消费识别码。
5、 根据权利要求 4所述系统， 其特征在于， 所述预设的加密算法具体为 对称算法。
6、 根据权利要求 4所述系统， 其特征在于， 所述验证模块具体包括： 收集单元， 用于收集所述合法消费标识码与实际消费识别码；
匹配单元， 用于对所述合法消费标识码与实际消费识别码进行匹配； 反馈单元， 用于在合法消费标识码与实际消费识别码匹配成功时， 提取 所述合法消费标识码中包含的消费动作信息并反馈； 或在匹配不成功时反馈 失败提示。
7、 根据权利要求 1-6任意一项所述系统， 其特征在于， 所述支付工具具 体包括：
信用卡、 借记卡、 会员卡、 代金券或虚拟支付工具。
8、 根据权利要求 1-6任意一项所述系统， 其特征在于， 所述消费动作信 息包括：
用户信息和消费项目信息； 所述用户信息包括用户名及用户手机号码； 所述消费项目信息包括消费金额、 消费项目名称、 消费项目内容、 优惠信息 和 /或消费项目有效期。
9、 一种消费管理方法， 其特征在于， 所述方法包括以下步骤： 接收用户提交的消费动作信息与用户对该消费动作进行支付的支付工具 的合法编码； 关联所述消费动作信息与支付工具合法编码生成消费标识码； 对支付工具进行实际编码的采集；
判断所述实际编码与消费标识码中的合法编码是否匹配， 当二者匹配则 根据该消费标识码获取用户提交的消费动作信息。
10、 根据权利要求 9所述方法， 其特征在于， 所述生成消费标识码具体 为：
生成一对唯一匹配的公钥和私钥；
将关联所述消费动作信息与支付工具合法编码得到的标识码作为第一消 费标识码； 以所述公钥对第一消费标识码进行加密， 生成所述第二消费标识 码；
利用所述私钥对第二消费标识码进行解密运算， 再以预设的加密算法对
解密后的第二消费标识码进行加密运算， 得到合法消费标识码。
11、 根据权利要求 10所述方法， 其特征在于， 所述方法还包括： 以预设的加密算法对所述实际编码进行加密运算，得到实际消费识别码。
12、 根据权利要求 11所述方法， 其特征在于， 所述判断所述实际编码与 消费标识码中的合法编码是否匹配具体为：
对所述合法消费标识码与实际消费识别码进行匹配。
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