WO2014179971A1

WO2014179971A1 - Service system based on user medium

Info

Publication number: WO2014179971A1
Application number: PCT/CN2013/075423
Authority: WO
Inventors: 石英基
Original assignee: Shi Yingji
Priority date: 2013-05-09
Filing date: 2013-05-09
Publication date: 2014-11-13
Also published as: CN104322035B; CN104322035A

Abstract

Disclosed is a service system based on a user medium for remote electronic commerce. The system comprises at least one user medium associated with a user, with the user medium having an inner code of the user medium therein, at least one card reading device and a data platform; wherein the data platform receives the inner code corresponding to the user medium, which is read by the at least one card reading device, and uses the inner code as login information of a user account for verification, verifying whether the inner code has the corresponding user account and completing logging into the user account after the verification is passed. The system provided by the present invention can help different users realize simple and safe electronic commerce transaction services, and meanwhile, except the inner code of the user medium, no other information associated with the user is transmitted over a public network, so that such a login manner can effectively prevent personal information about the user from being intercepted illegally and the resultant problems of being cracked or being used maliciously, etc.

Description

User media based service system

TECHNICAL FIELD The present invention relates to a network information service-based user service system, and more particularly to a system for implementing simple and secure online shopping through a user medium and a background data platform associated therewith.

BACKGROUND With the rapid development of information network technology, online life has become a lifestyle and an indispensable component of people's daily lives. Through the network, people can easily obtain various life needs information, such as shopping, learning, etc., which not only saves time but also is convenient; however, the existing online shopping user experience is poor, which seriously restricts people's wide-ranging use, mainly It is reflected in two aspects: First, the shopping process is cumbersome. The general user starts from the login shopping website, purchases goods, puts in the shopping cart, determines the purchase, determines the contact information, determines the delivery location, determines the payment method, and until the payment transaction is completed. The operation steps are up to a dozen items, and the user experience is poor. Second, the user's payment transaction is more complicated, and the operation security is not high, and human error and high security risks of network payment are high. Existing payment method users can pay online through online payment; or through offline bank cards. The user's online online payment is generally made by the user's own bank card online bank or a registered third-party payment account, such as Alipay, for payment. However, this method often requires input of the user's registration information, the bank card's 16 card number, etc. It is difficult to complete such an operation, such as passwords, passwords, and a series of verifications. It is difficult for middle-aged and elderly people who are not familiar with computer operations and those who do not frequently perform online operations. The operation is not only complicated, but also easy to make mistakes, and there are network security risks causing greater losses to users. In real life, many users often give up online shopping because of such cumbersome payment methods. Users pay through offline bank cards, and there are also some problems. On the one hand, many middle-aged and elderly people are not accustomed to frequent card-swapping transactions; on the other hand, frequent bank cards also have certain security risks, due to existing banks. The card generally stores the relevant personal and financial information of the user. After the user swipes the card transaction, the information in the card and the transaction information are transmitted in the data center through the PSTN network or the GPRS network in the form of encrypted data packets. Once the data packet is received, If the illegal interception and decryption, or the card reading device is done, all the information in the user card may be illegally copied, thereby causing greater loss to the user, which is why many people are unwilling to use the bank card frequently.

SUMMARY OF THE INVENTION In order to solve the above problems, one of the objects of the present invention is to provide a convenient network information service user management service system, which can not only greatly reduce the operation process of the user during online shopping, but also reduce the operation difficulty; Provide a simple, secure and fast payment transaction service for online shopping. To achieve the above object, one of the solutions of the present invention is a user medium based service system for remote e-commerce, the system comprising at least one user medium associated with a user; the user medium having a storage unit therein, the storage The unit stores an inner code of the user medium; at least one card reading device capable of reading the inner code of the user medium and transmitting the read inner code; and a data platform for saving each a user account of the user, the user account includes user basic information and a user fund management account created for the user, wherein the user information includes at least a contact phone number of the user and geographical location information of the user; wherein the data The platform receives the inner code corresponding to the user medium read from the at least one card reading device, and uses the inner code as the login information of the user account to verify whether the inner code has a corresponding user account and after the verification is passed Complete the login to the user account. The system provided by the invention can help different users to realize simple and secure e-commerce transaction service, and the user only needs to purchase goods or services, read the user medium through the card reading device, and obtain the verification and confirmation of the user data platform. At the same time, in the whole operation process, the user only needs to read the internal card number and confirm the information through the card reading device, and does not need other cumbersome information and payment information input operation, and is particularly suitable for many middle-aged and elderly people who are not good at online shopping. At the same time, in the process of interaction of the entire information, in addition to the internal coding of the user medium, no other information associated with the user is transmitted on the public network, so that the login method can effectively prevent the user's personal information from being Illegal interception and the resulting problems of being cracked or maliciously used. Preferably, after the user logs in, the user account is received from the outside of the data platform and is performed with the user account. The funds clear the associated data information, and according to the data information, perform the following operations on the user account: comparing the data information that needs to be settled and associated with the user account funds with the current account fund data in the user account; If it is less than or equal to the account fund data in the user account, the data platform subtracts the data information that needs to be settled from the current account fund data and generates a clearing success information, and sends out if it is greater than the current account fund in the user account. Data, the data platform generates a clearing failure message and sends it out. Through the above improvements, the solution of the present invention can be applied to applications such as online shopping, which greatly simplifies the user's operation steps in the shopping process, especially the input link, thereby greatly improving the user experience, especially in middle and old age. Not good at responding to the user community of complex online shopping operation step login procedures. Preferably, the user information on the data platform corresponding to the intra-media encoding further includes a user media password and/or identity information of the user. Further, the user medium further includes an outer code formed on a surface of the medium, the outer code being in one-to-one correspondence with the inner code of the medium, and the correspondence is stored in a data platform. This setting gives users more choices. Preferably, the user can log in to the data platform by verifying the user password, and modify the geographic location information, the media password, and the user identity information, and save the data in the data platform. Preferably, the user account in the data platform further includes another user funds clearing account and history information used by the user medium. Preferably, the amount in the user account may be preset, or the user may recharge the user funds account through the login data platform. Another object of the present invention is to provide a low-demand hardware environment that can provide an approximate user shopping service experience for the limitations that only intra-coded needs to be associated with the data platform through a particular card reading device. Systems, such as e-shopping systems based on Internet page browsing. Accordingly, a second aspect of the present invention provides a user media service system for remote e-commerce, the system comprising at least one user medium associated with a user; the user medium surface displaying an outer code of the user medium; And a data platform, the data platform is configured to save a user account of each user, the user account includes user basic information and a user fund management account created for the user, wherein the user information includes at least the user's use User password and user contact telephone information; wherein the outer code of the user medium is associated with a user account of the user stored in the data platform, wherein the outer code of the user medium is stored with the user stored in the data platform The user account is associated so that the foreign code and user password of the medium can be used as login authentication information for the user account and logged into the user account. The system provided by the present invention can also help different users realize simple and secure implementation of e-commerce services. After purchasing the goods or services, the user only needs to input the external code and the user password, and the entire e-commerce service operation can be completed through the verification and confirmation of the user data platform; at the same time, in addition to the user input required during the login operation, In addition to the external coding and password, the user does not need to carry out complicated and complicated user information and payment input confirmation work, so that the entire e-commerce service becomes easy to operate, especially for many middle-aged and elderly people who are not good at the Internet. In addition, this login method does not transmit other information associated with the user on the network, so it can effectively avoid the problem that the user information is illegally intercepted and thus caused to be cracked or maliciously used. Preferably, after the user logs in, the user account receives the clear settlement data information that needs to be associated with the user account funds, and performs the following operation on the user account according to the data information: the need to associate the user account funds The clearing settlement data information is compared with the current account fund data in the user account; if it is less than or equal to the account fund data in the user account, the data platform deducts the need to clear the settlement associated with the user account funds from the current account fund data. The data information generates a clearing success message and is sent out; if it is greater than the current account funds data in the user account, the data platform generates a clearing failure message and sends out. Through the above improvements, the solution of the present invention can be applied to applications such as online shopping, which greatly simplifies the input process of the user in the shopping process, thereby greatly improving the user experience, especially in middle and old age, and may not be good at coping with complexities. The user community of the login program. Preferably, the user account on the data platform corresponding to the external encoding of the user is also associated with a user's geographic location information, and/or identity information of the user. Preferably, the user can modify the geographic location information, the user media password, and the contact telephone information by using the login data platform, and save the information in the data platform; at the same time, the user needs to simultaneously verify the internal coding of the user medium or Whether the user account password and/or user identity information corresponding to the external code are correct. Preferably, the user account in the data platform further includes at least one user funds clearing account and user interface Historical record information for quality use. Preferably, the user recharges the user funds account by logging into the data platform. As a specific application, a preferred embodiment of the present invention provides a merchandise selection and payment system, the system comprising at least one user medium associated with a user; the user medium having a storage unit therein, the storage unit retaining An inner code of the user medium; at least one card reading device capable of reading the inner code of the user medium and transmitting the read inner code; and a data platform for saving each user a user account, the user account includes user basic information and a user fund management account created for the user, wherein the user information includes at least a contact phone number of the user and geographic location information of the user; wherein the data platform receives The inner code corresponding to the user medium read by the at least one card reading device, and using the inner code as the login information of the user account, verifying whether the inner code has a corresponding user account and completing the verification after the verification Login for user accounts. Also included is at least one merchandise selection terminal, the merchandise selection terminal including a merchandise server, and a display module and an input module associated with the merchandise server, wherein the display module displays an optional merchandise provided by the merchandise server for the user and corresponding to the merchandise An operation object, the commodity server receives an operation of the user for an operable object corresponding to at least one of the commodities, and sends the operation to the commodity server; wherein the commodity server receives the internal code corresponding to the user medium; wherein the user data platform receives the The commodity server receives the inner code, and uses the inner code to verify the login information of the user account, verify whether the inner code has a corresponding user account, and complete the login of the user account after the verification is passed; wherein, the user The user account is logged in by the commodity server, and the price data of the commodity is sent to the data platform for clearing according to the operation of the operable object, and the data platform can receive the price data of the commodity and perform data with the data in the corresponding user fund account. Comparison Feedback liquidation results. This kind of system can provide users with convenient, simple and safe online shopping service, which greatly reduces the difficulty of e-commerce operation and online payment, simplifies the operation steps, and avoids the traditional online payment by inputting bank card number, password verification, etc. The lengthy login procedure, while also effectively avoiding the problems of possible interception and cracking caused by the transmission of user information such as bank account number, password, and user identity on the network. In the above system, if the clearing is successful, at least one address information and/or other contact information corresponding to the account is fed back for the user to select and confirm. This makes it easy to seamlessly connect with the logistics system after online shopping. For security reasons, the user information corresponding to the user account also includes the user password and the identity information of the user; When the geographic location information and the contact telephone information in the user account on the data platform and the user password are modified, it is necessary to simultaneously verify whether the internal code and the corresponding user password, and the user identity information are correct. Further, the user medium further includes an outer code formed on a surface of the medium, the outer code being in one-to-one correspondence with the inner code of the medium, and the correspondence is stored in a data platform. This setting gives users more choices. Additionally, a corresponding user password can be set for the outer code such that the outer code and user password of the medium can be used as login authentication information for the user account and logged into the user account. Also, as an alternative to the intra-coded application mode requiring a card reading device, another embodiment of the present invention proposes another online shopping application, namely another merchandise selection and payment system, the system including at least one a user medium associated with the user; the user medium surface displays an outer code of the user medium; a data platform for storing a user account of each user, the user account containing the user basic information and a user fund management account created by the user, wherein the user information includes at least a user password and contact phone information of the user; wherein the external code of the user medium is associated with the user account of the user stored in the data platform, so that The outer code and user password of the medium can be used to log in to the user account as login information for the user account; further comprising at least one item selection terminal, the item selection terminal including a commodity server, and associated with the commodity server Display module and input module, wherein display module display quotient An optional product provided by the server for the user and an operable object corresponding to the commodity, the commodity server receiving an operation of the user for the operable object corresponding to the at least one of the commodities, and sending the operation to the commodity server; wherein the commodity server receives the The outer code corresponding to the user medium and the user password; wherein the user data platform receives the outer code and the user password from the commodity server, and uses the outer code as the login information of the user account to verify whether the outer code has a corresponding User account and complete the login of the user account after the user password is verified; wherein the user logs in the user account through the commodity server, and sends the price data of the commodity to the data corresponding to the operation of the operable object The platform performs clearing, and the data platform can receive the price data of the commodity and compare it with the data in the corresponding user fund account and feed back the clearing result. Similarly, if the clearing is successful, the at least one contact phone and/or the address location information corresponding to the account are fed back for the user to select and confirm. Similarly, the user information corresponding to the user account further includes the geographical location information of the user and the identity information of the user; when the user logs in the user account on the data platform, the user needs to simultaneously verify whether the external code of the user has a corresponding user account. And the user password is correct. Other advantages and features of the present invention will become apparent in the following description in conjunction with the drawings.

BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a structural diagram of a user medium of the present invention. FIG. 2 is a system diagram of the user medium associated with the data platform according to the present invention. FIG. 3 is a system diagram of the user medium associated with the shopping terminal and the data platform according to the present invention. Figure 4 is a structural diagram of the medium dispensing device. Figure 5 is a block diagram of the merchandise selection and payment system. 6A and 6B show the interface of the item selection and payment system, in which 6A is a state in which the displayed object is not operated, and 6B is a state in which the displayed object is operated. Figure 7 shows the action flow of the commodity server. Figure 8 is a flow chart of the payment process of the data platform.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Various embodiments of the present invention will be described below with reference to the drawings. 1 is a structural diagram of a user medium, such as a card-shaped user medium 100, which includes a storage unit 101 that stores a unique intra-code corresponding to the user medium, such as a random number encoding. The internal code of the user medium 100 can be read by a data platform 300 through a reading device 203 and recognized in the data platform; on the data platform 300, there is a user account 301, and the user account 310 stores the media for the user. The holder of 100, that is, the contact telephone number of the user, the geographical location information of the holder may also include, for example, It is information such as a user password and a user identity, and account information of a clearing account created by the data platform 300, and the account information may include a recharge record, a balance, an available credit, and the like. As shown in Figures 2 and 3, preferably or alternatively, the user medium includes an outer code, the outer code may correspond to the inner code of the user medium, or it may be attached to the user medium without the internal memory. The additional method may be printing, engraving, or the like. The outer code is visible to the user or others, and the inner code needs to be read by the reading device. It should be emphasized that the internal medium code is generally only stored in the storage unit of the user medium, and information such as the user identity, the account amount, and the like is not saved, and therefore, the reading device does not occur when the reading operation is performed on the reading device. The transmission of such information. The data platform 300 can be any server, and the communication with the reading device 203 can be implemented by wired or wireless means, such as cable, Category 5, or WIFI, GRPS, etc.; the reading device is generally far away from the data platform. , generally close to and connected to the terminal used by the user. In the case that the user medium has an inner code, the association between the data platform 300 and the information of the user medium 100 of the user may be implemented by, for example, the user directly going to the location of the data platform, or may be implemented by: A user media handling device, as shown in FIG. 4, may include reading a user identification medium 100, such as information in an identity card, an ID card reader 203, and the read medium may be an RFID, as At present, the technology that the second generation ID card has adopted in China, correspondingly, the card reader 203 can therefore be an RFID card reader. The card reader 203 can read information in the user's identification medium 300, such as the user's name, resident address, and the like. The device 200 that can be accessed by the user further includes a media issuing module 204. The detailed structure thereof is as shown in FIG. 4. Referring to FIG. 5, the media issuing module 204 stores a plurality of user media 100 having inner and outer encodings. It is already registered in the data platform 300 before being placed in the media issuance module 204, that is, the server can know from which issuing module the media is issued by the internal card number of the media issuing module. In order to do this, a media information read bit may be set in the media issuance module 204. When an information service medium is sent to the media information read bit by the transport mechanism, the media read at the media information read bit is read. For example, if the RFID is an RFID card reader, the information in the medium can be read and sent to the server 100 through the control unit 202 of the device 200 accessible by the user, since the device can be accessed by the user. The control unit 202 of 200 has a specific address identifier, such as a MAC address. Therefore, in order to mark the issuing location of the information service medium, the internal card number of the information service medium 400 can be bound to the MAC address of the control unit and sent to the server. Save at 100. The apparatus 200 may further include an account refill module corresponding to the user medium in the data platform, the recharge module The block can be transferred to the user account of the data platform by the banknote storage unit or the credit card for a certain amount for deduction after consumption. As shown in FIG. 3, for the case where the user medium is only externally encoded, for example, the user medium is a plastic card printed with a serial number or, in an extreme, a paper sheet. It can also be issued by the aforementioned automatic card issuing device, or can be issued in an artificial form. The issuer of the user medium with only external coding needs to establish a clearing account for each external code on the data platform, and associate relevant user information for each clearing account. The user information may be the initial password of the user, and the contact information. Phone number, even including identity, address, etc. This kind of application is very suitable for the user's media, the user has mastered the user information of a specific group's contact phone number, and the user media is only the online shopping process of the person who simplifies the unfamiliar operation within the user group. . Of course, for a method with an internally encoded user medium, the foregoing pre-establishing a user account for the intra-code corresponding to each user medium 100, and associating the user account with information that has been known, such as user identity, user address, etc., also applies. . Similarly, a user medium can also have both inner and outer encodings, as long as they correspond one-to-one. Both intra-coded and outer-coded correspond to a user account on the data platform. Both can be used as verification information for logging in to the user account. Thus, user media having both inner and outer encodings is most preferred. As described above, the initial password can be provided for the user medium, and the password setting module can be provided on the data platform. After the user successfully logs in to the data platform, the password can be set or modified by itself. Changing the password can be used as a condition for login in the subsequent program with the inner or outer code. For user media with intra-coding, it requires a reading device to be associated with the data platform, and for user media with external encoding, it typically requires an information terminal, such as a merchandise selection terminal associated with the data platform. After the association between the user medium and the data platform is completed, the user can perform operations such as login, clearing, and the like on the account on the data platform through the reading device that communicates with the data platform. The fund account in the user account, for example, the clearing account, may be multiple, and may also include historical information such as transaction history and operation history. As a preferred application embodiment of the present invention, FIG. 5 shows a merchandise selection and payment system, as shown in the figure. As shown in FIG. 5, the system including the user medium 100, the commodity selection terminal 400, and the data platform 300 can be used to implement network shopping, and the reading device 200 can be linked to the data platform 300 through a network connection. The reading device may be a commodity server 400A associated with the data platform, and the commodity server is operatively coupled to an information display terminal device 400B, such as an input module 400C such as a keyboard, a mouse, or a touch screen. Alternatively, the merchandise server is operatively coupled to an RFID card reader 400D, i.e., the reading device 203 of the previous embodiment. In an embodiment without the RFID card reader 400D, the product server 400A can be accessed by information such as a foreign card number, password, and the like. The commodity server 400A sends the wild card number and password to the data platform for verification; after the identity verification is passed. Then continue to wait for the user's second operation. As shown in FIG. 6A, when the user operates the information that is displayed on the device, as shown in FIG. 6B, for example, when the purchase button is clicked, the product server selects the product price of the object corresponding to the purchase button. The data is sent to the data platform, and the data platform gives feedback on whether the transaction was successful. If the transaction is successful, the contact information about the user's address, telephone, and the like stored in the data platform is sent to the commodity server for confirmation by the user. In the commodity server aspect, as shown in FIG. 7, it first receives whether or not there is an operation provided by the user through the input device for the object displayed on the information display terminal 400B. This object can for example be the button described above. After receiving the input of the object operation, determining the price information of the item corresponding to the object, for example, 200 yuan; then sending the price information to the data platform and waiting for the response of the data platform for successful liquidation; if successful liquidation is received The information shows that the purchase is successful and the information such as the user's address obtained from the data platform is displayed on the screen for the user to select or confirm. If the response to the successful liquidation is not received, the display operation is unsuccessful. In the data platform, as shown in FIG. 8, it first receives the price information and the user information sent by the commodity server, determines the account corresponding to the user, and determines whether the balance in the account is greater than or equal to the price information; if yes, proceed Clearing, or clearing the settlement, that is, subtracting the price information from the balance; if not, the feedback to the commodity server is unsuccessful; the liquidation subtracts the price information from the balance; after the liquidation is completed, the user's balance is updated and the At least one address information of the user is sent to the commodity server. Preferably, the information stored on the data platform, such as an address, a telephone, etc., may have multiple groups, and the plurality of sets of information are provided together to the commodity server, and wait for the user's selection and confirmation. An advantage of such an embodiment of the invention is that since at least one set of contacts is pre-stored on the data platform,

Claims

Therefore, the clearing information of the user's corresponding account is pre-prepared, so multiple user-facing operations can be performed in one operation step. In this way, the shopping process can be accelerated, and at the same time, it is convenient for people who are not familiar with computers, such as children, the elderly, etc., to use the payment system to implement online shopping. If the RFID card reader 400D shown in Figure 7 is used to read the RFID card, there is no need to fill in the foreign card number, but only the optional password is required. In another embodiment, the product selection terminal 400 can be integrated on the same device as the aforementioned card issuing device 200, that is, most components can be shared, such as a display module, an input module, etc. Numerous features and advantages are set forth in the above description together with structural and functional details. Although the invention has been disclosed in several forms, it will be apparent to one of ordinary skill in the art that many modifications, additions, and deletions may be made, particularly with respect to the number and arrangement of devices, without departing from the scope of the invention as set forth in the following claims. The spirit and scope of the invention and its equivalents are set forth. Accordingly, other modifications or embodiments that may be suggested by the teachings herein are expressly contemplated as falling within the breadth and scope of the claims appended hereto. claims

1. A user-media-based service system for remote e-commerce. The system includes

At least one user medium associated with the user; the user medium has a storage unit, and the storage unit stores an internal code of the user medium;

At least one card reading device that can read the internal code of the user medium and send the read internal code to the outside; and a data platform, the data platform is used to save the user account of each user, the user account contains The user's basic information and a user fund management account created for the user, where the user information at least includes the user's contact phone number and the user's geographical location information;

Wherein, the data platform receives the internal code corresponding to the user medium read from the at least one card reading device, and uses the internal code as the login information of the user account to verify whether the internal code has a corresponding user account and Complete the login to the user account after passing the verification.

2. The user media service system according to claim 1, characterized in that: after the user logs in, the user account receives data information associated with fund clearing and settlement of the user account from outside the data platform, and according to the The data information performs the following operations on the user account:

Compare the data information associated with the user account funds that need to be cleared and settled with the current account fund data in the user account; if it is less than or equal to the account fund data in the user account, the data platform deducts the amount from the current account fund data. The data information that needs to be cleared and settled will generate a clearing success message and send it out; if it is greater than the current account fund data in the user account, the data platform will generate a clearing failure message and send it out.

3. The user media service system according to claim 1 or 2, characterized in that: the user information on the data platform corresponding to the code in the user media also includes a user media password and/or the user's identity information.

4. The user media service system according to one of claims 1 to 3, characterized in that: the user medium also includes an external code formed on the surface of the medium, the external code corresponds to the internal code of the medium, and the corresponding relationship is stored within a data platform.

5. A user media service system for remote e-commerce, which includes

At least one user medium associated with the user; an external code of the user medium is displayed on the surface of the user medium; and a data platform, the data platform is used to save the user account of each user, and the user account contains the user's basic information and a user fund management account created for the user, where the user information at least includes The user’s user password and user contact phone information;

Wherein, the external code of the user medium is associated with the user account of the user stored in the data platform, so that the external code of the medium and the user password can be used as login verification information for the user account and log in to the user account. on the user account. . The user media service system according to claim 5, characterized in that: after the user logs in, the user account receives the clearing and settlement data information that needs to be associated with the user account funds, and performs settlement on the user account based on the data information. Proceed as follows:

Compare the data information associated with the user account funds that need to be cleared and settled with the current account fund data in the user account; if it is less than or equal to the account fund data in the user account, the data platform deducts the amount from the current account fund data. The data information related to the user account funds that need to be cleared and settled will generate a clearing success message and send it out; if it is greater than the current account fund data in the user account, the data platform will generate a clearing failure message and send it out. . The user media service system according to claim 5 or 6, characterized in that: the user account on the data platform corresponding to the user media external code is also associated with a user's geographical location information and/or the user's identity information. . . The user management service system according to one of claims 1 to 7, characterized in that: users can modify their geographical location information, user media password and contact phone information by logging in to the data platform, and save them in the data platform. ; At the same time, when logging in, the user needs to verify whether the user account password corresponding to the inner encoding or outer encoding of the user medium, and/or the user identity information is correct. . The user media service system according to one of claims 1 to 7, characterized in that: the user account in the data platform also includes at least a user fund clearing account and historical record information of user media use. 0. The user media service system according to claim 9, characterized in that: the user recharges the user's capital account by logging in to the data platform. 1. A product selection and payment system, which includes

At least one user medium associated with the user; The user medium has a storage unit, and the storage unit stores an internal code of the user medium; At least one card reading device that can read the internal code of the user medium and send the read internal code to the outside; and a data platform, the data platform is used to save the user account of each user, the user account contains The user's basic information and the user's fund management account created for the user, where the user information includes the user's contact phone number and the user's geographical location information;

Wherein, the data platform receives the internal code corresponding to the user medium read from the at least one card reading device, and uses the internal code as the login information of the user account to verify whether the internal code has a corresponding user account and Complete the login to the user account after passing the verification;

It also includes at least one product selection terminal. The product selection terminal includes: a product server, and a display module and an input module associated with the product server, wherein the display module displays the optional products provided by the product server for the user and the corresponding products. The product server receives the user's operation on the operable object corresponding to at least one of the products and sends it to the product server;

Among them, the user logs in to the user account in the user data platform through the commodity server, and sends the price data of the commodity to the data platform for liquidation corresponding to the operation of the operable object. The data platform can receive the price data of the commodity and Compare with the data in the corresponding user's fund management account and feedback the settlement results. . The product selection and payment system according to claim 11, characterized in that: if the settlement is successful, at least one address information and/or other contact information corresponding to the account is fed back for the user to select and/or confirm. . The product selection and payment system according to claim 11 or 12, characterized in that: the user information corresponding to the user account also includes the user password, and or the user's identity information; thereby the geographical location within the user account on the data platform is When modifying the location information, contact number information, and user password, it is necessary to verify whether the internal code and the corresponding user password, and/or user identity information are correct at the same time. . The product selection and payment system according to claim 11 or 12, characterized in that: the user medium also includes an external code formed on the surface of the medium, the external code corresponds one-to-one with the internal code of the medium, and the corresponding relationship is stored in a within the data platform. . The product selection and payment system according to claim 14, characterized in that: a corresponding user password is set for the external code, so that the external code and user password of the medium can be used as login verification information for the user account and log in to that user account. , a product selection and payment system, the system includes At least one user medium associated with the user; The surface of the user medium displays an external code of the user medium;

A data platform that is used to save each user's user account. The user account contains the user's basic information and a user fund management account created for the user. The user information at least includes the user's user password and contact number. information;

Wherein, the external code of the user medium is associated with the user account of the user stored in the data platform, so that the external code of the medium and the user password can be used as login verification information for the user account and log in to the user account. on the user account;

It also includes at least one product selection terminal. The product selection terminal includes a product server, and a display module and an input module associated with the product server. The display module displays the optional products provided by the product server for the user and the products corresponding to the products. Operable object, the product server receives the user's operation on the operable object corresponding to at least one of the products and sends it to the product server;

Among them, the product server receives the external encoding and user password corresponding to the user medium;

Among them, the user data platform receives the external code and user password from the product server, and uses the external code and user password as the login information for the user account to verify whether the external code has a corresponding user account and is in the user password. After passing the verification, complete the login to the user account;

Among them, the user logs in to the user account through the commodity server, and sends the price data of the commodity to the data platform for settlement in response to the operation of the operable object. The data platform can receive the price data of the commodity and communicate with the corresponding user's capital account. Compare the data within and feedback the clearing results. . The product selection and payment system according to claim 16, characterized in that: if the settlement is successful, at least one contact number corresponding to the account and/or the user's address location information is fed back for the user to select and/or confirm. . The product selection and payment system according to claim 16 or 17, characterized in that: the user information corresponding to the user account also includes the user's geographical location information and/or the user's identity information. The product selection and payment system according to claim 16, characterized in that: when the user logs in to the user account on the data platform, he needs to simultaneously verify whether the user's media external code has a corresponding user account and whether the user's password is correct.