WO2017012426A1 - 一种复合收银方法及其智能化收银系统 - Google Patents

一种复合收银方法及其智能化收银系统 Download PDF

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Publication number
WO2017012426A1
WO2017012426A1 PCT/CN2016/084659 CN2016084659W WO2017012426A1 WO 2017012426 A1 WO2017012426 A1 WO 2017012426A1 CN 2016084659 W CN2016084659 W CN 2016084659W WO 2017012426 A1 WO2017012426 A1 WO 2017012426A1
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Prior art keywords
payment
module
settlement
intelligent
cash register
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PCT/CN2016/084659
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English (en)
French (fr)
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熊强
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深圳市淘淘谷信息技术有限公司
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Publication of WO2017012426A1 publication Critical patent/WO2017012426A1/zh

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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
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • 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
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • 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
    • G06Q20/22—Payment schemes or models
    • G06Q20/227—Payment schemes or models characterised in that multiple accounts are available, e.g. to the payer
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]

Definitions

  • the invention relates to the field of payment, in particular to a composite cash register method in more than one settlement mode.
  • Offline settlement is a different method than online payment.
  • the transaction process and the delivery process take place in the transaction between the buyer and the seller.
  • the most common form of payment for this type of payment is cash settlement. Therefore, it is a very convenient payment method.
  • UnionPay card payment has overcome a large number of inconveniences of cash and is widely used in the payment field. For example, some supermarkets, chain stores, and roadside shops use UnionPay cards to pay. This is called the UnionPay card payment for offline payment.
  • the network can realize automatic transfer of electronic funds. It has functions such as support for consumption, pre-authorization, balance inquiry and transfer, and is safe, fast and reliable to use.
  • the lower UnionPay POS system directly reads the input product sales information (such as product name, unit price, sales quantity, sales time, sales shop, purchase customer, etc.) when selling goods, and realizes the bank with the clearing system under the management of UnionPay. Settlement.
  • product sales information such as product name, unit price, sales quantity, sales time, sales shop, purchase customer, etc.
  • the cashiers established in shopping malls, supermarkets, chain stores, roadside shops and other merchants to cater to consumers' diversified payments should be able to implement various card-based and card-free payment methods.
  • the cashier is obtained through agreement.
  • the authorization of the bank card issuer or the third-party payment platform, the consumer (payer) can realize the payment through the bank or the third-party account platform, and transfer the set payment amount from the paid account to the account of the merchant (payee) In, to achieve payment.
  • merchants can receive settlements paid by consumers for various payment methods through the cashier, but must have corresponding cashier equipment.
  • the device is used to verify the eligibility and ability of the payment voucher and obtain the certification enrollment registration of the corresponding third party.
  • special cash register equipment must be added to make the management of the business more and more complicated, and the settlement equipment becomes more and more complicated.
  • Shenzhen TTG Company has developed an intelligent POS machine. With the combination of intelligent terminals, intelligent management modules and cloud storage platforms, it has solved the extraction of standard data and the collection of settlement lists under various settlement modes. edit. Thus, the method of diversified settlement can be realized on a cash register terminal device.
  • the purpose of the present invention is to address the deficiencies of the current intelligent POS system, and to adopt repetitive operations and increase the pressure of the cashier staff; and to provide a method for realizing complex settlement, which realizes automatic payment of multiple payment methods.
  • the technical solution adopted by the present invention to achieve the object of the present invention is a composite cash register method, which is completed based on an intelligent terminal cash register system equipped with an intelligent management module and a cloud storage platform. Includes the following steps:
  • Step 1 The payment system displays the amount to be paid, and the payer confirms;
  • Step 2 The payment system interface displays all payment methods, the payment party selects, and supports multiple selections
  • Step 3 the payment system determines whether the payment selection is single or multiple selection, if multiple selection, then proceeds to step 4, otherwise, generates a payment bill for the selected payment method, and proceeds to step 5;
  • Step 4 The payment system splits the amount to be paid according to the instruction of the paying party, and generates a payment bill corresponding to the payment method respectively;
  • Step 5 The payment system completes the payment in turn according to the selected payment method and the corresponding payment bill.
  • the intelligent cash register system can realize synchronous payment of multiple payment methods and enhance the user experience.
  • step 5 completing the payment for any of the selected payment methods and the corresponding payment bill includes the following steps:
  • Step 501 The payment system enters a payment interface of the payment method, and displays whether the payment is a single account or a plurality of accounts for the payment party to select;
  • Step 502 the payment system determines that the payer is to select a single account payment, then proceeds to step 504, otherwise proceeds to step 503;
  • Step 503 splitting the payment amount in the payment bill, respectively obtaining the payment party account number and authorizing the payment according to the requirements of the payment method;
  • Step 504 Obtain a payer account and authorize the payment according to the requirements of the payment method.
  • an account balance inquiry button is further displayed for the payment party to select, and if the payment party selects the balance inquiry button, the balance inquiry interface is entered to obtain The payer's account number and balance inquiry authorization, and the account provider obtains the account balance and displays it.
  • the manner of obtaining the payment method account includes: reading by a card reader, and acquiring by a two-dimensional code.
  • the payment method includes a bank card payment method, a third party payment method, and a prepaid account payment method.
  • the invention also provides an intelligent cash register system which can be used for composite cash register system, wherein the intelligent cash register system structure comprises an intelligent terminal, a cloud storage platform and an intelligent settlement mode management module, and the structure of the intelligent terminal comprises equipped with intelligence
  • the computer central processing unit of the management module includes a diversified settlement voucher information collection module and a settlement message uploading module, a selected cloud storage platform and a data communication interface module, and a communication protocol module and message editing supporting the settlement mode.
  • the module and settlement mode execute the path prompting module, strobe the display management module, operate the keyboard module, the intermediate storage module, and the settlement document output module.
  • each module and unit are communicated and connected to each other through a computer network, and are respectively disposed at a merchant's cash register and a back-end cloud processing platform in a spatial position, and each module and unit may be provided as needed. Distributed anywhere in the cashier and cloud processing platform, the space is unrestricted.
  • the intelligent management module structure includes a UnionPay card settlement sub-module, a third-party settlement sub-module, a prepaid card settlement sub-module, a settlement data recording module, an editing message module, and an authorization administrator. Delete, add, and modify the module; start the corresponding module according to the settlement mode selected by the user or start the necessary modification before starting the corresponding settlement module.
  • the intelligent management module can be a software module or a hardware module.
  • the module can be set on the cashier or cloud platform, or distributed on the cashier or cloud platform as needed.
  • the strobe display management module structure includes a transaction information list sub-module, a transaction payment mode selection table sub-module, and a settlement mode operation step prompt sub-module; the above information is displayed in a centralized partition on the display screen, or a sub-item full-screen display .
  • the strobe display management module mainly completes the interaction interface with the operator. According to the needs, the strobe display management module can be installed on the checkout counter for the cashier to operate.
  • FIG. 1 Schematic diagram of the structure of the intelligent cash register system.
  • 1 in the drawing represents the central processing unit in the intelligent cash register system
  • 2 represents the intelligent management module
  • 2-1 represents the UnionPay card settlement sub-module
  • 2-2 represents the third-party settlement sub-module
  • 2-3 represents the prepaid card settlement.
  • Sub-module, 2-4 stands for settlement data record set module
  • 2-5 stands for edit message module
  • 2-6 stands for authorized administrator to delete, add, modify module
  • the inter-memory module 4 represents a settlement message uploading module.
  • 5 represents the cloud storage platform
  • 6 represents the data communication interface module
  • 7 represents the communication protocol module matched with each settlement mode
  • 8 represents the management module of the strobe display
  • 8-1 represents the transaction schedule delineated on the strobe display
  • the display position 8-2 represents the position of the transaction payment mode selection table delineated on the strobe display
  • 8-3 represents the display position of the selected settlement mode operation step prompt on the strobe display
  • 9 represents the keyboard module.
  • 10 represents the settlement document output module
  • 11 represents the settlement voucher information collection module
  • 11-1 represents the UnionPay card dedicated interface
  • 11-2 represents the two-dimensional code intake interface
  • 11-i represents the IC chip.
  • the card reads the interface
  • 12 represents the message editing module
  • 13 represents the intermediate memory module.
  • Embodiment 1 This embodiment is a method for a consumer to pay for a consumer payment by using Alipay after shopping in a chain store.
  • an intelligent cash register system is used as shown in FIG. 1 to implement post-consumer cash register.
  • the system is mainly composed of a smart checkout counter and a back-end cloud processing system installed in a chain store.
  • the smart checkout counter has a network card and is connected to the back end via the Internet.
  • the intelligent cash register system there is a central processing unit 1 which operates a computer program stored in a memory on a smart cash register.
  • the intelligent management module 2 is a functional module which is processed by the central processing unit.
  • the device 1 is executed by running a corresponding computer program.
  • it is set on the smart cash register, and generally includes a UnionPay card settlement sub-module 2-1, a third-party settlement sub-module 2-2, and a prepaid card settlement sub-module 2-3. Waiting for the module related to payment, the main program of the intelligent cashier can call these modules to realize the corresponding functions through interface selection.
  • the intelligent data management module 2 is further provided with a settlement data recording module 2-4 and an editing message module 2-5. These modules can implement management of the cash register, and in order to ensure future expansion, in the intelligent management module 2 It is also provided with an authorized administrator to delete, add, and modify modules 2-6.
  • the intelligent checkout counter should also be provided with a diversified settlement voucher information collection module 11, a settlement message uploading module 4, a message editing module 12, a strobe display management module 8, a memory module 3, and an operation.
  • the main I/O modules such as the keyboard module 9 and the settlement document output module 10 implement interactive hardware or software modules.
  • the diversified settlement voucher information collection module 11 realizes collection of various settlement voucher information, generally including a UnionPay card dedicated interface 11-1 combined with a UnionPay card reader, and a two-dimensional code intake interface 11- combined with a two-dimensional code recognizer. 2, in addition, there are cursor code recognition interface 11-3, IC chip card read-in interface 11-i, etc., with the progress of the times, there will be other acquisition methods.
  • a chain store As a chain store, it requires a lot of storefront unified management. Therefore, it also has a selected cloud storage platform 5.
  • a communication interface module such as a data communication interface module 6, a settlement mode package.
  • Step 1 The cashier of the chain store uses the diversified settlement voucher information collection module 11 to scan the products purchased by the consumer or the like to calculate the total consumption amount at the smart checkout counter, and controls the display by the gating display management module 8 On the display screen of the cashier, the consumer (payer) confirms that if the consumer confirms the amount of consumption, the following payment process is performed, otherwise the consumer is selected.
  • Step 2 The display on the smart checkout counter shows all the payment methods that the cashier can complete, and choose Alipay to pay.
  • the main program on the intelligent checkout counter runs the intelligent management module 2, and displays the cash register mode that can be provided on the interface.
  • the intelligent management module 2 provides five kinds of cash register methods, that is, corresponding five kinds of offline payment methods: UnionPay The card settlement mode corresponding to the card settlement sub-module 2-1, the settlement method of the third-party account platform corresponding to the third-party settlement sub-module 2-2, such as the Alipay payment method, and the prepaid card payment method corresponding to the prepaid card settlement sub-module 2-3 And cash payment methods.
  • Step 3 The smart cashier calls the third party settlement sub-module 2-2 in the intelligent management module 2, and displays an interface of the payment payment on the display screen.
  • the consumer uses a mobile phone or the like to display the Alipay QR code to present the consumer's Alipay QR code, and the two-dimensional code scanning device scans the consumer's Alipay QR code on the checkout counter, and enters the payment payment interface, the checkout counter.
  • the upper processor communicates with the Alipay platform under the control of its internal computer program.
  • Step 4 Obtain the authorization of the consumer, and enter the payment password of the Alipay on the keyboard of the cashier in accordance with the method prescribed by Alipay to complete the payment.
  • Step 5 Return information on the success or failure of the payment, which is displayed on the checkout screen of the cashier.
  • the main program of the intelligent cash register calls the management module 8 of the strobe display screen, and the module can realize the display position 8-1 of the transaction list delineated on the display screen on the smart cash register.
  • the position on the display screen is displayed on the display screen by displaying the position 8-2 of the transaction payment mode selection table delineated on the display screen, and the display position 8-3 indicated by the selection settlement mode operation step on the strobe display.
  • Embodiment 2 this embodiment is also a method for the consumer to use the Alipay to pay for the consumer payment after shopping in the chain store, and adopts the smart cash register or the intelligent cash register system as in the first embodiment, and the embodiment 1 different places in steps 3 and 4.
  • Step 3' The display on the checkout counter generates a two-dimensional code bill that carries at least the account number and the amount of the payment received by the chain store.
  • Step 4' The step of the consumer's mobile phone Alipay scanning the bill and the amount of the payment received by the Alipay platform to complete the account number collected from the chain store.
  • Embodiment 3 this embodiment is also a consumer who uses Alipay to pay for consumption after shopping in a chain store. The difference is that in this embodiment, since the amount of consumption is large, the consumer has two Alipay accounts, and the consumer uses two payment accounts to jointly complete the payment.
  • the method is also implemented by an intelligent cash register or an intelligent cash register system as in the first embodiment.
  • Step 301' the display screen on the checkout counter displays the payment interface to enter the Alipay, and displays on the interface whether the payment is completed by using one account or the payment is completed by using multiple accounts;
  • step 302' the payment is selected using two accounts.
  • step 303' the total amount of consumption, such as 798 yuan, is divided into two parts, such as 500 yuan and 298 yuan, respectively, to generate two payment two-dimensional code bills.
  • Step 401' the consumer uses the Alipay on the first mobile phone to scan the first two-dimensional code bill, and the payment platform to complete the payment of the amount of the payment to the account number of the chain store.
  • Step 402' the step of the consumer using another mobile phone or another Alipay on the same mobile phone to scan the second two-dimensional code bill and the amount of the payment received by the Alipay platform to complete the account number collected from the chain store.
  • Embodiment 4 is a method for a consumer to use a bank card to pay a consumption amount after shopping in a chain store.
  • the embodiment includes the following process:
  • Step 1 The cashier at the chain store calculates the total amount of consumption at the checkout counter by scanning the products purchased by the consumer or by other means, and displays it on the display screen of the cashier, allowing the consumer (payer) to confirm if the consumer If the amount of consumption is confirmed, the following payment process will be carried out, otherwise the consumer will be selected.
  • Step 2 The display on the checkout counter shows all the payment methods that the cashier can complete, and selects the bank card to pay.
  • Step 3 The system on the checkout counter displays the consumption amount on the bank card reader. At present, the consumption amount is generally displayed on the POS machine. After the consumer approves, after the card is swiped or the card is taken, the password is input on the POS machine, and the POS machine is used. Complete the payment.
  • Step 4 After the payment is completed, the payment success information is returned, and the cashier prints the small ticket.
  • Embodiment 5 this embodiment is a method for a consumer to use a bank card to pay a consumption amount after shopping in a chain store.
  • the difference from Embodiment 4 is that, in this embodiment, the consumer has several bank cards because of the large amount of consumption.
  • the consumer uses several bank cards to pay together, and the main difference is in step 3.
  • Step 3' the cashier shows whether it is a bank card or two bank cards or three bank cards.
  • the consumer chooses to use three bank cards, and the cashier displays the total consumption amount as 1,890 yuan.
  • choose the first bank card to spend 700 yuan the second bank card consumption 600 shows the last bank card consumption 590 yuan, so that the total consumption amount does not change.
  • the system on the checkout counter displays 700 on the POS machine in turn, and the consumer swipes or takes the first bank card (debit) After entering the password, the first payment is completed. Then, the system on the checkout counter displays 600 on the POS machine in turn.
  • the system on the checkout counter displays 600 on the POS machine in turn.
  • the password is entered to complete the second payment.
  • the system on the stage displays 590 on the POS machine in turn.
  • After the consumer swipes the card or takes the third bank card (credit card) the password is entered to complete the third payment.
  • Embodiment 6 is a consumer who uses a bank card to pay the amount of consumption after shopping in a chain store.
  • the difference from Embodiment 5 is that the consumer does not know the balance in the bank card, and needs to check the balance before deciding to consume. the way.
  • Step 1 Display the consumption amount of 1890 yuan on the display screen of the checkout counter, and display all payment methods, such as Alipay, Fortune, bank card, etc.
  • Step 2 Select a bank card, and enter the interface of the bank card payment, and select a bank card, two bank cards, three bank cards, etc.
  • a button bank card balance inquiry is also provided.
  • Step 3 After selecting the bank card balance inquiry, the system controls the card reader to read the first bank card number, and then the consumer inputs the balance inquiry password of the bank card, and obtains the bank card by communicating with the bank card issuing institution.
  • the balance is displayed on the display and prompts the consumer to choose how much to pay from the bank card. For example, the balance on the first bank card is 1000 yuan, and the consumer chooses to pay 700 yuan from the bank card, followed by the second.
  • the bank card, the third bank card, such as the balance on the second bank card is 1,800 yuan, the consumer instruction is to consume 600 yuan from the second bank card, and the balance on the third bank card is 5,000 yuan. The consumer chooses to pay the remaining 590 yuan.
  • step 4 the payment is completed in accordance with step 5' of embodiment 5.
  • Embodiment 7 is a composite payment method in which a payment party pays a payment amount of 5899 yuan, and adopts an intelligent cash register or an intelligent cash register system as in the first embodiment.
  • the payment process is as follows:
  • Step 1 The system displays the payment amount of 5899 yuan.
  • Step 2 the system displays all payment methods, such as Alipay, Fortune, bank card, cash, etc.
  • Step 3 The payment selection method includes four payment methods: Alipay, bank card, prepaid card and cash. Alipay and bank cards pay 1,500 yuan and 3,800 yuan respectively, and the rest are paid by prepaid cards and cash.
  • Step 4 The system enters the Alipay payment interface, generates an Alipay payment QR code, and the payer uses the mobile phone Alipay to scan the two-dimensional code bill, and completes the payment by 1500 yuan with the payment platform.
  • Step 5 The Alipay backstage returns the payment information of the Alipay payment, and the system enters the bank card payment interface.
  • the payment interface displays the following options: one bank card, two bank cards, three bank cards, and the bank card balance inquiry button.
  • Step 6 Select the bank card balance inquiry button, and the system displays the interface for obtaining the bank card number and query authorization (input query password).
  • Step 7 Read the first bank card and enter the inquiry password.
  • the system obtains the bank by communicating with the issuing bank.
  • the balance of the card is 5489 yuan, which can be paid 5488 yuan, displayed on the display screen of the system, and the input window is displayed, prompting the payer how much the bank card pays, such as 3,000 yuan.
  • the system compares the payment amount and balance, because 3000 is less than 5488 yuan, so it is confirmed that the card pays 3,000 yuan.
  • the system communicates with the issuing bank to obtain the balance of the bank card is 589 yuan, which can be paid 588 yuan, displayed on the display of the system, and the input window is displayed, prompting payment.
  • the amount of the bank card payment such as 750 yuan, but because the 750 yuan more than the bank card can pay a quota of 588 yuan, therefore, the payer is prompted to enter the payment amount again, at this time, enter 588 yuan.
  • the third bank card is a credit card, paying the remaining $212.
  • Step 8 Pay 3,000 yuan, 588 yuan, and 212 yuan respectively through the POS machine.
  • Step 9 The system obtains the information that the bank card payment system returns the payment success, enters the prepaid card payment interface, reads the prepaid card information, and displays the prepaid card card balance is 289 yuan, 289 yuan is available, and the paying party selects to use the prepaid card. 289 yuan, complete prepaid card payment.
  • step 10 the system displays that it has paid 5,589 yuan and needs to pay 310 yuan in cash.
  • Step 11 after receiving the payment party's 310 yuan cash, the system prints the payment details, which can be made into a payment schedule, and the contents of the table can have the payment amount corresponding to the ID of each payment credential as needed.

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Abstract

本发明公开了一种复合收银方法及其智能化收银系统，该系统具有一个功能强大的智能化管理模块，实现各种支付方式和对支付行为进行有效的管理，该方法是利用该系统实现实现自动完成多种支付方式同步支付，提供一个友好的界面，自动完成利用不同的支付方式或者不同的结算凭证进行同步结算的一种方法。该方法简单实用，用户体验感好。

Description

一种复合收银方法及其智能化收银系统 技术领域
本发明涉及支付领域，特别是涉及一种以上的结算模式下复合收银方法。
背景技术
线下结算是区别于线上支付以外的方式，交易的过程和付货过程发生在买卖双方见面的交易中。这种支付方式支付方最常见的是现金结算。因此，是一种不很方便的支付方式。随着银行业务的发展，银联卡支付克服了大量现金不方便的缺陷，被广泛地应用于支付领域。如一些商场超市、连锁店、路边小店等纷纷使用银联卡支付，这被称为线下支付的银联卡支付，一般是借助传统的POS机，商家把它安装在特约商户与银联计算机联成网络，就能实现电子资金自动转帐，它具有支持消费、预授权、余额查询和转帐等功能，使用起来安全、快捷、可靠。下银联POS系统在销售商品时直接读取输入的商品销售信息(如商品名、单价、销售数量、销售时间、销售店铺、购买顾客等)，并通过银联管理下的清分系统实现与各个银行结算。目前主要利用线下交易依靠传统的POS机完成，实现有卡支付。
随着线上支付越来越发达，第三方支付方法越来越发达，并且支付凭证也种类繁多，而且众多的非银行支付机构不可能划归银联管理范畴。利用第三方支付平台实现线下支付已经成为目前线下支付的一个趋势。因此，作为结算设备的传统POS机已经无法满足目前线下支付的需要。对于第三方支付鉴于金融政策规定也不可能单独发行任何形式的卡。所以第三方支付方式进行支付的模式只能利用用第三方支付平台，为了保证交易过程中资金安全付款凭证采用了二维码、光码等形式。线下结算形成了多元化的格局。目前，在商场、超市、连锁店、路边小店等商户为了迎合消费者实现多元化支付而设立的收银台都应当能够实现各种有卡、无卡的支付方式，该收银台事先通过协议获得银行卡发行方或者第三方支付平台方的授权，消费者(支付方)可以通过银行或者第三方帐户平台实现支付，将设定的支付金额从支付的帐号划拨到商户(收款方)的帐户中，实现支付。
目前，商户通过收银台可以接收消费者各种支付方式支付的结算，但是必须具备对应的收银设备。该设备用以验证支付凭证的资格和能力、并获得相应第三方的认证许可登记。每增加一个第三方都必须增加特别的收银设备使商家的管理越来越复杂，结算设备越来越庞杂。在此背景下，深圳TTG公司开发出来了智能化POS机，借助于智能终端、智能化管理模块、云存储平台的结合，集中解决了多种结算模式下标准数据的调用和结算清单的提取与编辑。从而使得多元化结算的方式可以在一个收银终端设备上得以实现。
随之而来的是消费者在消费时，可以拿出好几张银行卡和多种结算凭证、同时还可以第三方帐户支付方式支付和现金支付。但任何一张银行卡或者第三方帐户支付方式都不能足额支付消费款项，只有结合两张或者以上银行卡或者加上第三方支付方式才能足额完成支付，这样，收银台的工作人员需要根据各银行卡的支付能力分别操作完成支付总金额的操作，增加收银台工作人员的压力，用户体验感不强，是目前智能POS终端机存在的缺陷。
发明内容
本发明的目的针对目前智能POS机系统的不足，而采取重复性操作、增加收银台工作人员的压力；提供一种实现复合结算的方法，该方法实现自动完成多种支付方式同步支付。
本发明为达到其发明目的所采用的技术方案是一种复合收银方法，所述方法基于配套有智能化管理模块、云存储平台的智能化终端收银系统共同完成。包括以下步骤：
步骤1、支付系统显示待支付的金额，支付方确认；
步骤2、支付系统界面展示所有支付方式，支付方选择，支持多选；
步骤3、支付系统判断支付选择的是单选还是多选，若是多选，则转向步骤4，否则，生成所选支付方式的支付帐单，转向步骤5；
步骤4、支付系统根据支付方指示分拆待支付的金额，分别生成对应支付方式的支付帐单；
步骤5、支付系统按照选择的支付方式和对应的支付帐单依次完成支付。
本发明中利用智能化收银系统可以实现多种支付方式的同步支付，增强用户体验。
进一步的，上述的复合收银方法中：在步骤5中，对其中任一选择的支付方式和对应的支付帐单完成支付包括以下步骤：
步骤501、支付系统进入该支付方式的支付界面，显示是单个帐号支付还是多个帐号支付供支付方选择；
步骤502、支付系统判断支付方是选择单个帐号支付时，转向步骤504，否则转向步骤503；
步骤503、分拆支付帐单中的支付金额，分别获取支付方帐号和授权按照该支付方式的要求完成支付；
步骤504、获取支付方帐号和授权按照该支付方式的要求完成支付。
进一步的，上述的复合收银方法中：在所述的步骤501中的支付界面中，还显示有帐号余额查询按钮供支付方选择，如果支付方选择了余额查询按钮，则进入余额查询界面，获取支付方的帐号和余额查询授权，通过帐号提供方获取帐号余额并显示。
进一步的，上述的复合收银方法中：获取支付方式帐号的方式包括：读卡器读取、二维码扫描获取。
进一步的，上述的复合收银方法中：所述的支付方式包括银行卡支付方式、第三方支付方式、预付帐户支付方式。
本发明还提供一种可用于复合收银的智能化收银系统，该智能化收银系统结构中包括智能化终端、云存储平台和智能化结算模式管理模块，智能化终端的结构中包括了配备有智能化管理模块的计算机中央处理单元，系统中包括多元化结算凭证信息采集模块和结算报文上传模块、选定的云存储平台和数据通讯接口模块，与结算模式配套的通讯协议模块、报文编辑模块和结算模式执行路径提示模块，选通显示屏管理模块，操作键盘模块、中间存储器模块和结算单据输出模块。
本发明的智能化收银系统中，各模块、单元是通过计算机网络相互通信连接的，在空间位置上，分别设置在商户的收银台和后端的云处理平台上，至于各模块、单元根据需要可以分布在收银台和云处理平台任一地方，空间位置不受限制。
进一步的，上述的智能化收银系统中：智能化管理模块结构中包括银联卡结算子模块、第三方结算子模块、预付卡结算子模块；结算数据录集模块；编辑报文模块；授权管理员删、加、修改模块；根据用户选择的结算模式具体启动相应模块或启动必要修改后再启动相应结算模块。
智能化管理模块一般可以是软件模块也可以结合硬件形成功能性模块，这个模块可以设置在收银台或者云端平台上，也可以根据需要分布于收银台或者云端平台上进一步的，上述的智能化收银系统中：选通显示屏管理模块结构中包括交易信息清单子模块，交易支付模式选择表子模块，选择结算模式操作步骤提示子模块；以上信息在显示屏上集中分区显示，或分项全屏显示。
选通显示屏管理模块主要完成与操作人员实现交互界面，根据需要，选通显示屏管理模块可以安装在收银台上，供收银员操作。
下面结合附图及实施例对本发明进行更加进一步的说明。
附图说明
图1智能化收银系统结构示意图。
附图中的1代表智能化收银系统中的中央处理单元，2代表智能化管理模块，2-1代表银联卡结算子模块，2-2代表第三方结算子模块，2-3代表预付卡结算子模块，2-4代表结算数据录集模块，2-5代表编辑报文模块，2-6代表授权管理员删、加、修改模块，3代表中 间存储器模块，4代表结算报文上传模块。5代表云存储平台，6代表数据通讯接口模块，7代表与各结算模式配套的通讯协议模块，8代表选通显示屏的管理模块，8-1代表选通显示屏上划定的交易明细表的显示位置，8-2代表选通显示屏上划定的交易支付模式选择表的位置，8-3代表选通显示屏上划定的选择结算模式操作步骤提示的显示位置，9代表键盘模块，10代表结算单据输出模块，11代表结算凭证信息采集模块，11-1代表银联卡专用接口，11-2代表二维码摄入接口，11-3光标码识别接口，11-i代表IC芯片卡读入接口，12代表报文编辑模块，13代表中间存储器模块。
具体实施方式
实施例1，本实施例是一种消费者在连锁店里购物后利用支付宝进行支付消费款的方法。
本实施例中，使用一种智能化收银系统如图1所示，实现消费后收银。该系统主要由设置在连锁店中的智能收银台与后端云处理系统组成，智能收银台具有网卡，与后端通过互联网连接。
在智能化收银系统中，具有中央处理单元1，该中央处理单元1通过运行存储在智能收银台上的存储器内的计算机程序，智能化管理模块2是一种功能性模块，它是由中央处理器1运行相应的计算机程序完成的，本实施例中，设置在智能收银台上，一般包括银联卡结算子模块2-1，第三方结算子模块2-2，预付卡结算子模块2-3等与支付相关的模块，智能收银台的主程序通过界面选择就可以调用这些模块实现相应的功能。另外，在智能化管理模块2中还设置有结算数据录集模块2-4和编辑报文模块2-5这些模块可以实现对收银台进行管理，为了保证将来扩展，在在智能化管理模块2还设置有授权管理员删、加、修改模块2-6。
为了实现智能收银，在智能化收银台上还应该设置有多元化结算凭证信息采集模块11、结算报文上传模块4、报文编辑模块12、选通显示屏管理模块8、存储器模块3、操作键盘模块9和结算单据输出模块10等主要I/O模块，实现交互的硬件或者软件模块。多元化结算凭证信息采集模块11实现对各种结算凭证信息采集，一般包括与银联读卡器结合的银联卡专用接口11-1，与二维码识别器结合的二维码摄入接口11-2，另外，还有光标码识别接口11-3，IC芯片卡读入接口11-i等，这些随着时代的进步，还会有其它的采集方式。
作为连锁店，需要很多店面统一管理因此，还具有一个选定的云存储平台5，为了实现与选定的云存储平台5的通信，还有一通信接口模块，如数据通讯接口模块6、结算模式配套的通讯协议模块7、结算模式执行路径提示模块13等。
步骤1、连锁店收银员在智能收银台上利用多元化结算凭证信息采集模块11等扫描消费者选购的商品的方式或者其它方式计算总的消费金额，通过选通显示屏管理模块8控制显示在收银台的显示屏上，让消费者(支付方)确认，如果消费者确认消费金额，则进行以下的支付过程，否则等待消费者选择。
步骤2、智能收银台上的显示屏显示本收银台能够完成的所有的支付方式，并选择支付宝支付。
智能收银台上的主程序运行智能化管理模块2，在界面上显示能够提供的收银方式，这里智能化管理模块2中提供了五种收银方式，也就是对应的5种线下支付方式：银联卡结算子模块2-1对应的银行卡支付方式，第三方结算子模块2-2对应的第三方帐户平台结算方式，如支付宝支付方式，预付卡结算子模块2-3对应的预付卡支付方式和现金支付方式。
步骤3、智能收银台调用智能化管理模块2中的第三方结算子模块2-2，在显示屏上显示支付宝支付的界面。
消费者利用手机等能够显示其支付宝二维码的装置呈现消费者的支付宝二维码，收银台上利用二维码扫描装置扫描消费者的支付宝二维码，并进入到支付支付界面，收银台上的处理器在其内部计算机程序控制下实现与支付宝平台的通信。
步骤4、获得消费者授权，按照支付宝规定的方式消费者在收银台的键盘上输入支付宝的支付密码，完成支付。
步骤5、返回支付成功与否的信息，显示在收银台的显示屏上。
本实施例中，智能收银台的主程序调用选通显示屏的管理模块8，通过该模块可以实现在智能收银台上选通显示屏上划定的交易明细表的显示位置8-1，选通显示屏上划定的交易支付模式选择表的位置8-2，选通显示屏上划定的选择结算模式操作步骤提示的显示位置8-3对显示屏上的显示进行规划。
实施例2，本实施例同样是一种消费者在连锁店里购物后利用支付宝进行支付消费款的方法，采用如实施例一一样的智能收银台或者称为智能化收银系统实现，与实施例1不同的地方在步骤3和步骤4。
步骤3’收银台上的显示屏生成二维码帐单，该二维码携至少带了连锁店收款的帐户号和收款的金额。
步骤4’消费者的手机支付宝扫描帐单，与支付宝平台完成向连锁店收款的帐户号划拨收款的金额的步骤。
实施例3，本实施例同样是一种消费者在连锁店里购物后利用支付宝进行支付消费款 的方法，区别在于，本实施例中由于消费金额较大，消费者有两个支付宝帐户，消费者利用两个支付帐户共同支付完成。该方法同样采用如实施例一一样的智能收银台或者称为智能化收银系统实现。
步骤301’，收银台上的显示屏显示进入支付宝支付界面，并在该界面上显示是采用一个帐号完成支付还是采用多个帐号完成支付；
步骤302’，选择采用两个帐号完成支付。
步骤303’，将消费总金额如798元分成两部分，如500元和298元分别生成两个支付二维码帐单。
步骤401’，消费者用第一台手机上的支付宝扫描第一个二维码帐单，与支付宝平台完成向连锁店收款的帐户号划拨收款的金额的步骤。
步骤402’，消费者用另外一台手机或者同一台手机上的另外一个支付宝扫描第二个二维码帐单，与支付宝平台完成向连锁店收款的帐户号划拨收款的金额的步骤。
实施例4，本实施例是一种消费者在连锁店里购物后利用银行卡支付消费金额，本实施例包括以下过程：
步骤1、连锁店收银员在收银台上通过扫描消费者选购的商品的方式或者其它方式计算总的消费金额，显示在收银台的显示屏上，让消费者(支付方)确认，如果消费者确认消费金额，则进行以下的支付过程，否则等待消费者选择。
步骤2、收银台上的显示屏显示本收银台能够完成的所有的支付方式，并选择银行卡支付。
步骤3、收银台上的系统将消费金额在银行卡读卡器上显示，目前一般就是在POS机上显示消费金额，消费者认可以后，刷卡或者拍卡后，在POS机上输入密码，由POS机完成支付。
步骤4、完成支付后，返回支付成功信息，收银台打印小票。
实施例5，本实施例是一种消费者在连锁店里购物后利用银行卡支付消费金额，与实施例4的区别在于，本实施例中由于消费金额较大，消费者有几张银行卡，消费者利用几张银行卡共同支付完成，此时主要区别在步骤3。
步骤3’，收银台上显示是一张银行卡还是两张银行卡或者三张银行卡消费，此时，消费者选择用三张银行卡，收银台显示总的消费金额如1890元，消费者选择第一张银行卡消费700元，第二张银行卡消费600后显示最后一张银行卡消费590元，使总的消费金额不变。收银台上的系统依次将700显示在POS机上，消费者刷卡或者拍卡第一张银行卡(借记 卡)后输入密码完成第一笔支付，然后，收银台上的系统依次将600显示在POS机上，消费者刷卡或者拍卡第二张银行卡(信用卡)后输入密码完成第二笔支付，收银台上的系统依次将590显示在POS机上，消费者刷卡或者拍卡第三张银行卡(信用卡)后输入密码完成第三笔支付。
实施例6，本实施例是一种消费者在连锁店里购物后利用银行卡支付消费金额，与实施例5的区别在于，消费者不清楚银行卡里的余额，需要先查询余额，再决定消费方式。
步骤1、在收银台的显示屏上显示消费金额为1890元，并显示所有的支付方式，如支付宝、财富通、银行卡等。
步骤2、选择银行卡，并进入到银行卡支付的界面，有选择一张银行卡、二张银行卡、三张银行卡等选择方式，另外，还提供一个按钮银行卡余额查询。
步骤3、选择银行卡余额查询后，系统控制读卡器读取第一张银行卡卡号，然后由消费者输入该银行卡的余额查询密码，通过与银行卡发卡机构通信，获得该银行卡的余额，显示在显示屏上，并提示消费者选择从该银行卡上支付多少金额，如第一张银行卡上的余额是1000元，消费者选择从该银行卡上支付700元，依次第二张银行卡、第三张银行卡，如第二张银行卡上的余额是1800元，消费者指示是从该第二张银行卡上消费600元，第三张银行卡上的余额是5000元，消费者选择是支付剩余的590元。
步骤4，按实施例5步骤3’完成支付。
实施例7、本实施例是一种支付方向收款方支付5899元货款的复合支付方式，采用如实施例一一样的智能收银台或者称为智能化收银系统实现，支付的过程如下：
步骤1、系统显示支付金额5899元。
步骤2、系统显示所有的支付方式，如支付宝、财富通、银行卡、现金等。
步骤3、支付选择支付方式有支付宝、银行卡、预付卡和现金四种支付方式。支付宝、银行卡分别支付1500元，3800元，剩余的由预付卡和现金支付。
步骤4，系统进入支付宝支付界面，生成支付宝支付二维码，支付方用手机支付宝扫描二维码帐单，通过与支付平台完成1500元支付。
步骤5，支付宝后台返回支付宝支付成功信息，系统进入到银行卡支付界面，该支付界面显示有如下选项：一张银行卡、二张银行卡、三张银行卡等和银行卡余额查询按钮。
步骤6，选择银行卡余额查询按钮，系统显示获取银行卡卡号和查询授权(输入查询密码)的界面。
步骤7，读取第一张银行卡，并输入查询密码，系统通过与发卡行通信，获得该银行 卡的余额是5489元，可支付5488元，显示在系统的显示屏上，并推出输入窗口，提示支付方该银行卡支付多少元，如3000元。系统比较支付金额和余额，因为3000小于5488元，所以确认该卡支付3000元。
读取第二张银行卡，并输入查询密码，系统通过与发卡行通信，获得该银行卡的余额是589元，可支付588元，显示在系统的显示屏上，并推出输入窗口，提示支付方该银行卡支付多少元，如750元，但由于750元多于该银行卡可支付额度588元，因此，提示支付方再次输入支付金额，此时，输入588元。
第三张银行卡是信用卡，支付剩余的212元。
步骤8、通过POS机分别支付3000元、588元、212元。
步骤9、系统获得银行卡支付系统返回支付成功的信息，进入到预付卡支付界面，读取预付卡信息，显示预付卡卡内余额为289元，可用289元，支付方选择使用预付卡中的289元，完成预付卡支付。
步骤10，系统显示已支付5589元，还需要支付310元现金。
步骤11，接收支付方的310元现金后，系统打印支付明细，这可以制成一个支付明细表，表中的内容根据需要可以有各支付凭据的ID对应的支付金额等。

Claims (8)

  1. 一种复合收银方法，所述方法基于配套有智能化管理模块、云存储平台的智能化终端收银系统，其特征在于：包括以下步骤，
    步骤1、支付系统显示待支付的金额，支付方确认；
    步骤2、支付系统界面展示所有支付方式，支付方选择，支持多选；
    步骤3、支付系统判断支付选择的是单选还是多选，若是多选，则转向步骤4，否则，生成所选支付方式的支付帐单，转向步骤5；
    步骤4、支付系统根据支付方指示分拆待支付的金额，分别生成对应支付方式的支付帐单；
    步骤5、支付系统按照选择的支付方式和对应的支付帐单依次完成支付。
  2. 根据权利要求1所述的复合收银方法，其特征在于：在步骤5中，对其中任一选择的支付方式和对应的支付帐单完成支付包括以下步骤：
    步骤501、支付系统进入该支付方式的支付界面，显示是单个帐号支付还是多个帐号支付供支付方选择；
    步骤502、支付系统判断支付方是选择单个帐号支付时，转向步骤504，否则转向步骤503；
    步骤503、分拆支付帐单中的支付金额，分别获取支付方帐号和授权按照该支付方式的要求完成支付；
    步骤504、获取支付方帐号和授权按照该支付方式的要求完成支付。
  3. 根据权利要求2所述的复合收银方法，其特征在于：在所述的步骤501中的支付界面中，还显示有帐号余额查询按钮供支付方选择，如果支付方选择了余额查询按钮，则进入余额查询界面，获取支付方的帐号和余额查询授权，通过帐号提供方获取帐号余额并显示。
  4. 根据权利要求2或3所述的复合收银方法，其特征在于：获取支付方式帐号的方式包括：读卡器读取、二维码扫描获取。
  5. 根据权利要求1或2或3所述的复合收银方法，其特征在于：所述的支付方式包括银行卡支付方式、第三方支付方式、预付帐户支付方式。
  6. 一种智能化收银系统，结构中包括智能化终端、云存储平台和智能化结算模式管理模块，其特征在于：收银系统的结构中包括了配备有智能化管理模块(2)的计算机中央处理单元(1)、多元化结算凭证信息采集模块(11)和结算报文上传模块(4)、选定的云存储平台(5)和数据通讯接口模块(6)、与结算模式配套的通讯协议模块(7)、报文编辑模块(12)和结算模式执行路径提示模块(13)，选通显示屏管理模块(8)，操作键盘模块(9)、中间存储器模块(3)和结算单据输出模块(10)。
  7. 根据权利要求6所述的智能化收银系统，其特征在于：智能化管理模块(2)结构中包括银联卡结算子模块(2-1)、第三方结算子模块(2-2)、预付卡结算子模块(2-3)；结算数据录集模块(2-4)；编辑报文模块(2-5)；授权管理员删、加、修改模块(2-6)；根据用户选择的结算模式具体启动相应模块或启动必要修改后再启动相应结算模块。
  8. 根据权利要求6所述的智能化收银系统，其特征在于：选通显示屏管理模块(8)结构中包括交易信息清单子模块(8-1)，交易支付模式选择表子模块(8-2)，选择结算模式操作步骤提示子模块(8-3)；以上信息在显示屏上集中分区显示，或分项全屏显示。
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