WO2017128682A1 - 一种交易终端 - Google Patents

一种交易终端 Download PDF

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Publication number
WO2017128682A1
WO2017128682A1 PCT/CN2016/093573 CN2016093573W WO2017128682A1 WO 2017128682 A1 WO2017128682 A1 WO 2017128682A1 CN 2016093573 W CN2016093573 W CN 2016093573W WO 2017128682 A1 WO2017128682 A1 WO 2017128682A1
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Prior art keywords
information
transaction
data
equity
human
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PCT/CN2016/093573
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English (en)
French (fr)
Inventor
胡卓磊
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上海新卡说信息技术有限公司
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Publication of WO2017128682A1 publication Critical patent/WO2017128682A1/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
    • G06Q20/08—Payment architectures
    • G06Q20/16—Payments settled via telecommunication 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/387—Payment using discounts or coupons

Definitions

  • the present invention relates to the field of network technologies, and in particular, to a transaction terminal.
  • the transaction terminal installed in the merchant such as a POS machine (Pointofsales, point of sale information management system), is generally used to realize the payment after the offline entity consumption.
  • the POS is a multi-function terminal with features such as support for consumption, pre-authorization, balance inquiry and transfer.
  • some network service platforms related to the actual payment there are some network service platforms related to the actual payment. Therefore, the user must first perform the operation on the network platform related to the consumption before the payment can be made through the transaction terminal installed by the merchant.
  • some preferential activity network service platforms provide information on the promotion activities related to this consumption, and the information of the preferential activities can enable users to enjoy the corresponding rights, thereby affecting the actual payment.
  • the prior art transaction terminal provides limited functionality, making the network transaction system less efficient.
  • the technical problem solved by the present invention is to provide a transaction terminal such that the network transaction system can improve efficiency based on the transaction terminal.
  • an embodiment of the present invention provides a transaction terminal, where the transaction terminal includes: a human-machine interaction device, a controller, and a data platform communication interface; wherein:
  • a human-machine interaction device adapted to input transaction request data by a user, and send the transaction request data to the controller, wherein the transaction request data includes transaction information data, Identity information data and equity channel information data;
  • the controller includes a transaction information generating unit, and the transaction information generating unit is adapted to receive the transaction request data from the human-machine interaction device, from the transaction information data, the identity information data, and the equity channel information data, respectively Extracting transaction information, identity information, and equity channel information to obtain transaction request information, and transmitting the transaction request information to the data platform through a data platform communication interface;
  • a data platform communication interface configured to receive actual payment information and equity information that is fed back by the data platform based on the transaction request information, where the equity information is queried by the data platform according to the equity channel information and the identity information
  • the equity information database is obtained, and the actual payment information is calculated by the data platform according to the equity information and the transaction information.
  • the human-machine interaction device comprises a two-dimensional code identification component, and the identity information data and/or the rights channel information is obtained by scanning the two-dimensional code by the two-dimensional code recognition component.
  • the human-machine interaction device includes a card identification component, and the identity information data is obtained by the card identification component identification card.
  • the human-machine interaction device includes a display component adapted to display the actual payment information, the equity information, and the equity channel information on which the actual payment information is calculated.
  • the human-machine interaction device includes an input component adapted to input the equity channel information data, the transaction information data, and/or the identity information data based on a user's operation.
  • the human-machine interaction device comprises a printing device adapted to print the actual payment information, the equity information, and the equity channel information on which the actual payment information is calculated.
  • controller further includes:
  • a transaction record query requesting unit configured to generate a transaction record query request based on a user operation of the human-machine interaction device, and send the transaction through the data platform communication interface Querying the query request to the data platform, the data platform queries the transaction record database according to the transaction record query request, and obtains transaction record data, wherein the transaction record data stores a transaction serial number generated by the data platform, And the transaction terminal identifier corresponding to the transaction serial number, the merchant identification, the actual payment information, the equity information, and the equity channel information on which the actual payment information is calculated;
  • the transaction record receiving unit is adapted to receive the transaction record data fed back by the data platform, and send the transaction record data to the human-machine interaction device for presentation to the user.
  • controller further includes:
  • a parameter setting unit configured to set a merchant identifier based on a user operation of the human-machine interaction device, to send the transaction terminal to the data platform, and calculate, by the data platform, the accounting information by referring to the merchant identifier.
  • controller further includes:
  • the user management unit is adapted to add or delete the terminal user information and the terminal user authority information based on the operation of the human-machine interaction device by the user and save the information.
  • the controller further includes: a payment mode determining unit, configured to select a payment mode based on a user operation of the human-machine interaction device, and the selected payment method is sent to the data platform for recalculating the Actual payment information.
  • a payment mode determining unit configured to select a payment mode based on a user operation of the human-machine interaction device, and the selected payment method is sent to the data platform for recalculating the Actual payment information.
  • the embodiment of the present invention sets a human-machine interaction device for a user to input transaction request data, and sends the transaction request data to the controller, wherein the transaction request data includes transaction information data, identity information data, and equity channel information data.
  • the transaction information generating unit of the controller receives the transaction request data from the human-machine interaction device, and extracts transaction information, identity information, and equity channel information from the transaction information data, the identity information data, and the equity channel information data, respectively.
  • the transaction terminal in the embodiment of the present invention provides a unified portal for transaction information data, identity information data, and equity channel information data. Compared with the prior art, the user is no longer required to input identity information through other terminals when paying.
  • the other network platform is requested to feedback the preferential benefits that have been obtained, and after confirming, the payment can be made at the transaction terminal with the new actual payment information, and the transaction information requested by the same transaction terminal can be directly sent to obtain the final payment information.
  • the number of interactions of the data flow between the terminal and the network platform is reduced, thereby saving resources occupied by the interaction data and improving the efficiency of the transaction system.
  • FIG. 1 is a structural block diagram of a transaction terminal in an embodiment of the present invention.
  • FIG. 2 is a schematic perspective structural view of a transaction terminal in an embodiment of the present invention.
  • FIG. 3 is a structural block diagram of a controller in the transaction terminal shown in FIG. 1.
  • the prior art transaction terminal has the problem of making the network transaction system less efficient.
  • the embodiment of the present invention sets a human-machine interaction device for a user to input transaction request data, and sends the transaction request data to the controller, wherein the transaction request data includes transaction information data, identity information data, and equity channel information data.
  • the transaction information generating unit of the controller receives the transaction request data from the human-machine interaction device, and separately extracts the transaction letter from the transaction information data, the identity information data, and the equity channel information data.
  • the transaction terminal in the embodiment of the present invention provides a unified portal for transaction information data, identity information data, and equity channel information data. Compared with the prior art, the user is no longer required to input identity information through other terminals when paying.
  • the other network platform is requested to feedback the preferential benefits that have been obtained, and after confirming, the payment can be made at the transaction terminal with the new actual payment information, and the transaction information requested by the same transaction terminal can be directly sent to obtain the final payment information.
  • the number of interactions of the data flow between the terminal and the network platform is reduced, thereby saving resources occupied by the interaction data and improving the efficiency of the transaction system.
  • FIG. 1 is a schematic structural diagram of a transaction terminal according to an embodiment of the present invention.
  • the transaction terminal 10 shown in FIG. 1 may include a human-machine interaction device 101, a controller 102, and a data platform communication interface 103.
  • the human-machine interaction device 101 is adapted to be used by a user to input transaction request data and send the transaction request data to the controller, wherein the transaction request data includes transaction information data, identity information data, and equity channel information data. .
  • the controller 102 includes a transaction information generating unit, and the transaction information generating unit is adapted to receive the transaction request data from the human-machine interaction device, from the transaction information data, the identity information data, and the equity channel information data.
  • the transaction information, the identity information and the equity channel information are separately extracted to obtain the transaction request information, and the transaction request information is sent to the data platform through the data platform communication interface.
  • the transaction terminal 10 is coupled to the data platform.
  • the transaction request information includes the transaction information, the identity information, and the equity Channel information.
  • the controller 102 may process the transaction request data into the transaction request information, so that the data format can meet the needs of the data platform to process information.
  • the transaction information is information corresponding to a specific transaction target, and may include, for example, transaction total amount information and equity amount information.
  • the total transaction amount information may be the total amount of the transaction.
  • the equity amount information may be an amount that can enjoy the preferential benefit, and may be calculated according to the setting of the merchant where the transaction terminal 10 is located. For example, when the merchant in which the transaction terminal 10 is located can be discounted from the second item, the equity amount information is obtained by deducting the amount of the first item from the total amount of consumption.
  • the identity information is an identifier that uniquely identifies the identity of the user, and may be, for example, a document number, a mobile phone number, a bank card number, and a membership card number.
  • the transaction terminal 101 can determine the identity information by identifying a user identification card.
  • the data platform may associate all identity information of the same user, or generate a user ID corresponding to all identity information of the user for user identification and user management.
  • the identity information stored in the data platform is a bank card number.
  • the bank card number may be associated with the mobile phone number, so that the data platform can subsequently identify the bank of the user.
  • the card number is used to obtain the mobile phone number, or other user information can be obtained by identifying the user ID.
  • the rights channel information representation specifically provides a channel for the user to obtain the transaction preferential rights
  • the rights channel information may be different network platforms, for example, the preferential activity platform A provides the preferential activity information for the specific consumption object in the current merchant consumption.
  • the preferential activity platform A is an equity channel information, and in another example, the equity channel information may also be a bank's network platform.
  • the data platform communication interface 103 is adapted to receive actual payment information and equity information fed back by the data platform based on the transaction request information, wherein the data platform queries the equity information according to the rights channel information and the identity information. After the library, the actual payment information and the equity information are calculated according to the transaction information.
  • the actual payment information may include an amount that the user actually needs to pay.
  • the equity information is information that affects the actual payment information.
  • the equity information is stored in an equity information repository, and the equity information inventory stores different equity channels for the current consumption.
  • the first preferential activity platform can make a 20% discount for the current merchant B consumption of fruits.
  • the second preferential activity platform can enjoy a 10% discount for the consumption of fruits in the current merchant B.
  • the discount offer in this example is the equity information and corresponds to the equity channel information.
  • the equity information is obtained by the data platform according to the equity channel information and the identity information querying the equity information database, and the actual payment information is used by the data platform according to the equity information and the transaction. Information is calculated.
  • the obtaining, by the data platform, the equity information and the actual payment information may be obtained by:
  • the data platform first obtains the equity information database pointed to by the equity channel information according to the rights channel information, and then queries the equity information database according to the identity information to obtain the equity information, and further, the data platform according to the
  • the actual payment information is calculated by the equity information and the transaction information.
  • the transaction information may include a transaction amount
  • the equity information includes information such as a discount, whereby the actual payment amount may be calculated according to the transaction amount and the discount information, and the actual payment information may include the actual payment amount and other appropriate information.
  • the user may directly perform confirmation payment using the transaction terminal.
  • the other terminal is inquired whether the network preferential platform has the rights information, and then the actual payment information is calculated, and then the payment is made according to the actual payment information through the transaction terminal.
  • the transaction terminal provided in the prior art makes it necessary to re-access the network preferential platform through other terminals in the actual application to confirm the equity information and calculate the actual payment information, thereby requiring multiple times between the terminal and the network preferential platform.
  • the network preferential platform to process the access of the terminal also needs to occupy platform resources.
  • the transaction terminal of the embodiment of the present invention calculates the actual payment information by using the unified calculation.
  • the data entry is simplified, the interaction between the terminal is simplified, the number of interactions between the terminal and the network service platform is reduced, and the efficiency of the network transaction is improved, and the transaction system coupled with the transaction terminal is improved (also referred to as an embodiment of the present invention). Processing efficiency for the data platform).
  • the human-machine interaction device 101 will be described in detail below in conjunction with other embodiments.
  • the human-machine interaction device 101 may include a two-dimensional code identification component, and the identity information data and/or the rights channel information are obtained by scanning the two-dimensional code by the two-dimensional code recognition component.
  • FIG. 2 shows a transaction terminal according to an embodiment of the present invention in practical applications.
  • the two-dimensional code recognition component may be the camera 201.
  • the human-machine interaction device 101 may include a card identification component, and the identity information data is obtained by the card identification component identifying information carried in the card.
  • the card of the user identification identity may be a bank card, a membership card, etc.
  • the type of the card carrying information may be a chip type or a magnetic stripe type.
  • the card identification component may be a component 204 that can identify a magnetic stripe card, or a component 205 that can identify a chip card.
  • the identity information data may be a bank card number, a membership card number, a mobile phone number, and the like.
  • the data platform may associate one of the identity information to other identity information.
  • the human-machine interaction device 201 may include an input component adapted to input the equity channel information data, the transaction information data, and/or the identity information data based on a user's operation.
  • the input component may be a keyboard 203 or a touch screen capable of information input.
  • the human-machine interaction device 201 may include a display component adapted to display the actual payment information, the equity information, and the equity channel information on which the actual payment information is calculated.
  • the display component can be a capacitive touch screen 202.
  • touch screen can be used as a display.
  • the components can also be used as input components, and are not limited herein.
  • the human-machine interaction device may further include a printing device adapted to print the actual payment information, the equity information, and the equity channel information on which the actual payment information is calculated.
  • the printing apparatus may be the component 207 of FIG. 2.
  • a dedicated printing paper may be placed in the printing apparatus 207 for printing.
  • the printing device 207 is coupled to the controller 102.
  • the printed information may include other information, such as transaction time, in addition to the actual payment information, the equity information, and the equity channel information on which the actual payment information is calculated. , the transaction serial number, the transaction terminal identification number and the merchant number, etc., there is no restriction here.
  • the transaction terminal 10 shown in FIG. 2 further includes other components, such as a power switch 206 and the like, such as other interfaces connected to external devices provided for the specific implementation of the transaction terminal, etc., and those skilled in the art can understand that the present invention is embodied. Other technical components should be adaptively set and will not be described here.
  • FIG. 3 is a schematic structural diagram of a controller in an embodiment of the present invention.
  • the controller 30 shown in FIG. 3 may include a transaction information generating unit 301;
  • the transaction information generating unit 301 is adapted to receive the transaction request data from the human-machine interaction device, and extract transaction information, identity information, and equity channels from the transaction information data, the identity information data, and the equity channel information data, respectively. Information to obtain transaction request information, and send the transaction request information to the data platform through the data platform communication interface. The data platform searches for the equity information associated with the identity information according to the equity channel information, and then calculates the actual payment information based on the transaction information and the equity information.
  • the controller 30 may further include a transaction record query request unit 302, configured to generate a transaction record query request based on a user operation of the human-machine interaction device, and send the message through the data platform communication interface.
  • Transaction record query request to the data platform the data platform queries the transaction record database according to the transaction record query request to obtain transaction record data, wherein the transaction record data stores the number The transaction serial number generated by the platform, and the transaction terminal identifier corresponding to the transaction serial number, the merchant identification, the actual payment information, the equity information, and the equity channel information on which the actual payment information is calculated.
  • the transaction serial number is generated and stored when the data platform obtains the actual payment information and the equity information, and uniquely identifies the generation of the actual payment information, and the actual payment information and the equity information. There is a corresponding relationship, and at the same time, there is a corresponding relationship between the equity channel information on which the actual payment information is calculated and the transaction serial number.
  • the controller 30 may further include a transaction record receiving unit 303, configured to receive transaction record data fed back by the data platform, and send the transaction record data to the human-machine interaction device for presentation to a user. .
  • the transaction record data is displayed on the user through the display component of the human-machine interaction device, or may be output to the user in an audio manner through the sound output component of the human-machine interaction device.
  • the controller 30 may further include a parameter setting unit 304, configured to set a merchant identifier based on a user operation of the human-machine interaction device, for the transaction terminal to send to the data platform, The data platform calculates the split information with reference to the merchant identifier.
  • the split information is calculated by the data platform based on the actual payment information and the split ratio information, and the split ratio is a ratio of service considerations between the merchant and other network service platforms (eg, a preferential activity platform).
  • the data platform may query the account division ratio information database according to the merchant identifier and the equity channel information to obtain the split ratio information.
  • the controller 30 may further include a user management unit 305 adapted to add or delete end user information and terminal user authority information and save based on the user's operation on the human-machine interaction device.
  • the end user information is a phase of an operator who can operate the transaction terminal 30 Information such as account and password can be included.
  • Information such as account and password can be included.
  • the security of making a payment using the transaction terminal 30 can be improved by setting the terminal user information and the terminal user authority information.
  • the controller 30 may further include a payment method determining unit 306, configured to select a payment mode based on a user operation of the human-machine interaction device, and the selected payment method is sent to the data platform for re- Calculating the actual payment information.
  • a payment method determining unit 306 configured to select a payment mode based on a user operation of the human-machine interaction device, and the selected payment method is sent to the data platform for re- Calculating the actual payment information.
  • the equity information is obtained by the data platform according to the equity channel information and the identity information, and the actual payment information is used by the data platform according to the equity information and the After the transaction information is calculated, the data platform may further determine the payment method equity information according to the payment mode selected by the user operation, and recalculate the actual payment information.
  • the payment method equity information may also affect the final actual payment information, so that the user can enjoy more preferential benefits.
  • the data platform obtains a 20% discount on the equity information according to the rights channel information and the identity information, and the bank card payment is based on the payment method selected by the user, and the payment method equity information corresponding to the bank card payment method is If the discount is 10 yuan, the data platform calculates the actual payment information according to the preferential equity information, and then recalculates the actual payment information according to the payment method equity information of the preferential ten yuan.
  • controller 30 may further include other functional units, which are not limited herein.

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Abstract

一种交易终端，包括：人机交互装置，供用户输入交易请求数据，并发送交易请求数据至控制器，交易请求数据包括交易信息数据、身份信息数据和权益渠道信息数据；控制器包括交易信息生成单元，交易信息生成单元接收来自人机交互装置的交易请求数据，从交易信息数据、身份信息数据和权益渠道信息数据中分别提取交易信息、身份信息和权益渠道信息以得到交易请求信息，并将交易请求信息通过数据平台通讯接口发送至数据平台；数据平台通讯接口，接收数据平台基于交易请求信息反馈的实际支付信息和权益信息。基于上述的交易终端，可以提高网络交易系统的效率。

Description

一种交易终端
本申请要求2016年01月29日提交中国专利局、申请号为201610069303.8、发明名称为“一种交易终端”的中国专利申请的优先权，其全部内容通过引用结合在本申请中。
技术领域
本发明涉及网络技术领域，特别涉及一种交易终端。
背景技术
随着网络技术的发展，越来越多的服务通过网络来提供。在消费活动中，支付是完成交易的重要环节，目前，一般利用安装在商户的交易终端，例如POS机(Pointofsales,销售点情报管理系统)来实现线下实体消费后的支付。POS机是一种多功能终端，它具有支持消费、预授权、余额查询和转帐等功能。
在实际应用场景中，存在一些与本次实际支付相关的网络服务平台，因此，需要用户首先在本次消费相关的网络平台进行操作后，才能通过商户安装的交易终端进行支付。例如，一些优惠活动网络服务平台提供了与本次消费相关的优惠活动信息，这些优惠活动信息可以让用户享受到对应的权益，从而对实际支付产生影响。
在这种类似的应用场景下，现有技术的交易终端提供的功能有限，使得网络交易系统效率较低。
发明内容
本发明解决的技术问题是提供一种交易终端，使得网络交易系统可以基于所述交易终端提高效率。
为解决上述技术问题，本发明实施例提供一种交易终端，所述交易终端包括：人机交互装置、控制器和数据平台通讯接口；其中：
人机交互装置，适于供用户输入交易请求数据，并发送所述交易请求数据至所述控制器，其中，所述交易请求数据包括交易信息数据、 身份信息数据和权益渠道信息数据；
所述控制器包括交易信息生成单元，所述交易信息生成单元适于接收来自所述人机交互装置的所述交易请求数据，从所述交易信息数据、身份信息数据和权益渠道信息数据中分别提取交易信息、身份信息和权益渠道信息，以得到交易请求信息，并将所述交易请求信息通过数据平台通讯接口发送至数据平台；
数据平台通讯接口，适于接收所述数据平台基于所述交易请求信息反馈的实际支付信息和权益信息，其中，所述权益信息由所述数据平台根据所述权益渠道信息和所述身份信息查询权益信息库得到，所述实际支付信息由所述数据平台根据所述权益信息和所述交易信息计算得到。
可选地，所述人机交互装置包括二维码识别部件，所述身份信息数据和/或权益渠道信息通过所述二维码识别部件扫描二维码获得。
可选地，所述人机交互装置包括卡片识别部件，所述身份信息数据通过所述卡片识别部件识别卡片获得。
可选地，所述人机交互装置包括显示部件，适于向用户显示所述实际支付信息、权益信息以及计算所述实际支付信息时所基于的权益渠道信息。
可选地，所述人机交互装置包括输入部件，适于基于用户的操作输入所述权益渠道信息数据、所述交易信息数据和/或身份信息数据。
可选地，所述人机交互装置包括打印装置，适于打印所述实际支付信息、权益信息以及计算所述实际支付信息时所基于的权益渠道信息。
可选地，所述控制器还包括：
交易记录查询请求单元，适于基于用户对所述人机交互装置的操作生成交易记录查询请求，并通过所述数据平台通讯接口发送所述交 易记录查询请求至所述数据平台，所述数据平台根据所述述交易记录查询请求查询交易记录数据库，得到交易记录数据，其中，所述交易记录数据存储所述数据平台生成的交易流水号，以及交易流水号对应的交易终端标识、商户标识、实际支付信息、权益信息和计算实际支付信息所基于的权益渠道信息；
交易记录接收单元，适于接收所述数据平台反馈的交易记录数据，并发送所述交易记录数据至所述人机交互装置以呈现给用户。
可选地，所述控制器还包括：
参数设置单元，适于基于用户对所述人机交互装置的操作设置商户标识，以供所述交易终端发送至所述数据平台，由所述数据平台参照所述商户标识计算分账信息。
可选地，所述控制器还包括：
用户管理单元，适于基于用户对所述人机交互装置的操作增加或删除终端用户信息和终端用户权限信息并保存。
可选地，所述控制器还包括：支付方式确定单元，适于基于用户对所述人机交互装置的操作选择支付方式，选择的支付方式发送至所述数据平台以用于重新计算所述实际支付信息。
与现有技术相比，本发明实施例的技术方案具有以下有益效果：
本发明实施例设置人机交互装置供用户输入交易请求数据，并发送所述交易请求数据至所述控制器，其中，所述交易请求数据包括交易信息数据、身份信息数据和权益渠道信息数据，所述控制器的交易信息生成单元接收来自人机交互装置的所述交易请求数据，从所述交易信息数据、身份信息数据和权益渠道信息数据中分别提取交易信息、身份信息和权益渠道信息，以得到交易请求信息，并将所述交易请求信息通过数据平台通讯接口发送至数据平台，所述数据平台通讯接口还用于接收所述数据平台基于所述交易请求信息反馈的实际支付信息和权益信息，其中，所述实际支付信息和所述权益信息是所述 数据平台根据所述权益渠道信息和所述身份信息查询权益信息库后计算得到。由此可见，本发明实施例中的交易终端提供了交易信息数据、身份信息数据和权益渠道信息数据的统一入口，相比现有技术，不再需要用户在支付时先通过其他终端输入身份信息向其他网络平台请求反馈已经获得的优惠权益，经确认后才能在交易终端以新的实际支付信息进行支付，而是直接通过同一交易终端的统一发送交易请求数据即可获得最终应付的支付信息，减少了终端与网络平台之间的数据流的交互次数，从而节省了交互数据占用的资源，提高交易系统的效率。
附图说明
图1是本发明实施例中的一种交易终端的结构框图；
图2是本发明实施例中的一种交易终端的立体结构示意图；
图3是图1所示交易终端中的一种控制器的结构框图。
具体实施方式
如背景技术所言，在实际应用场景中，存在一些与本次实际支付相关的网络服务平台，因此，需要用户首先在本次消费相关的网络平台进行操作后，才能通过商户安装的交易终端进行支付。例如，一些优惠活动网络服务平台提供了与本次消费相关的优惠活动信息，这些优惠活动信息可以让用户享受到对应的权益，从而对实际支付产生影响。在这种类似的应用场景下，现有技术的交易终端存在使网络交易系统效率较低的问题。
本发明实施例设置人机交互装置供用户输入交易请求数据，并发送所述交易请求数据至所述控制器，其中，所述交易请求数据包括交易信息数据、身份信息数据和权益渠道信息数据，所述控制器的交易信息生成单元接收来自人机交互装置的所述交易请求数据，从所述交易信息数据、身份信息数据和权益渠道信息数据中分别提取交易信 息、身份信息和权益渠道信息，以得到交易请求信息，并将所述交易请求信息通过数据平台通讯接口发送至数据平台，所述数据平台通讯接口还用于接收所述数据平台基于所述交易请求信息反馈的实际支付信息和权益信息，其中，所述实际支付信息和所述权益信息是所述数据平台根据所述权益渠道信息和所述身份信息查询权益信息库后计算得到。由此可见，本发明实施例中的交易终端提供了交易信息数据、身份信息数据和权益渠道信息数据的统一入口，相比现有技术，不再需要用户在支付时先通过其他终端输入身份信息向其他网络平台请求反馈已经获得的优惠权益，经确认后才能在交易终端以新的实际支付信息进行支付，而是直接通过同一交易终端的统一发送交易请求数据即可获得最终应付的支付信息，减少了终端与网络平台之间的数据流的交互次数，从而节省了交互数据占用的资源，提高交易系统的效率。
为使本发明的上述目的、特征和有益效果能够更为明显易懂，下面结合附图对本发明的具体实施例做详细的说明。
图1是本发明实施例的一种交易终端的结构示意图。如图1所示交易终端10可以包括：人机交互装置101、控制器102和数据平台通讯接口103。
所述人机交互装置101，适于供用户输入交易请求数据，并发送所述交易请求数据至所述控制器，其中，所述交易请求数据包括交易信息数据、身份信息数据和权益渠道信息数据。
所述控制器102包括交易信息生成单元，所述交易信息生成单元适于接收来自所述人机交互装置的所述交易请求数据，从所述交易信息数据、身份信息数据和权益渠道信息数据中分别提取交易信息、身份信息和权益渠道信息，以得到交易请求信息，并将所述交易请求信息通过数据平台通讯接口发送至数据平台。在具体实施中，所述交易终端10与所述数据平台耦接。
所述交易请求信息包括所述交易信息、所述身份信息和所述权益 渠道信息。在本发明一实施例中，所述控制器102可以将所述交易请求数据处理成所述交易请求信息，使得数据格式可以满足所述数据平台处理信息的需要。
所述交易信息为对应于具体交易标的的信息，例如可以包括交易总金额信息和权益金额信息。其中交易总金额信息可以是本次交易的总金额。权益金额信息可以是能够享受优惠权益的金额，具体可以根据所述交易终端10所在的商户的设置进行计算获得。例如，当所述交易终端10所在的商户设定从第二件商品起可打折时，权益金额信息则需从消费总金额中扣除第一件商品的金额后得到。
所述身份信息为唯一识别用户身份的标识，例如可以是证件号码、手机号码、银行卡号和会员卡号等。在具体实施中，所述交易终端101可以通过识别用户标识卡来确定所述身份信息。
在具体实施中，所述数据平台可以将同一用户的所有身份信息进行关联，也可以对应该用户的所有身份信息生成一个用户ID，以便用户识别和用户管理。例如，数据平台中存储的身份信息为银行卡号，当数据平台获取同一用户的手机号码时，可以将所述银行卡号与所述手机号码进行关联，从而使得数据平台后续可以通过识别该用户的银行卡号来获取手机号，或者也可以通过识别用户ID来获取其他的身份信息。
所述权益渠道信息表征具体能为用户带来交易优惠权益的渠道，所述权益渠道信息可以是不同的网络平台，例如优惠活动平台A提供针对在当前商户消费具体消费对象的优惠活动信息，所述优惠活动平台A即为一权益渠道信息，在另一实例中，所述权益渠道信息还可以是银行的网络平台。
所述数据平台通讯接口103，适于接收所述数据平台基于所述交易请求信息反馈的实际支付信息和权益信息，其中，所述数据平台根据所述权益渠道信息和所述身份信息查询权益信息库后，再根据所述交易信息计算得到所述实际支付信息和所述权益信息。
所述实际支付信息可以包括用户实际需要支付的金额。
所述权益信息为对所述实际支付信息产生影响的信息。所述权益信息存储于权益信息库中，所述权益信息库存储了不同的权益渠道为当前消费提供的权益信息，例如第一优惠活动平台针对在当前商户B消费水果可以打八折优惠，第二优惠活动平台针对在当前商户B消费水果可以打九折优惠，本例中的折扣优惠即为所述权益信息，并与所述权益渠道信息对应。
在具体实施中，所述权益信息由所述数据平台根据所述权益渠道信息和所述身份信息查询权益信息库得到，所述实际支付信息由所述数据平台根据所述权益信息和所述交易信息计算得到。
在具体实施中，所述数据平台获得所述权益信息和所述实际支付信息可以通过以下方式获得：
所述数据平台首先根据所述权益渠道信息得到权益渠道信息指向的权益信息库，再结合所述身份信息查询所述权益信息库，以得到所述权益信息，进一步地，所述数据平台根据所述权益信息和所述交易信息计算得到所述实际支付信息。例如，交易信息中可以包括交易金额，而权益信息中包含折扣等信息，由此，根据交易金额和折扣信息就可以计算出实际支付金额，实际支付信息可以包括实际支付金额以及其他适当的信息。
在实际应用场景中，基于所述数据平台反馈的所述实际支付信息，用户可以使用所述交易终端直接进行确认支付。而现有技术中，首先要通过其他终端查询网络优惠平台是否存在所述权益信息，再计算实际支付信息，然后才能在通过交易终端按照实际支付信息进行支付。由此可见，现有技术中提供的交易终端使得在实际应用中不得不通过其他终端再次访问网络优惠平台才能确认权益信息和计算实际支付信息，从而在终端与网络优惠平台间需要进行多次的数据交互，网络优惠平台对终端的访问进行处理也需要占用平台资源。因此，相比现有技术，本发明实施例的交易终端通过统一计算实际支付信息所 需数据的入口，简化了终端的交互操作，减少了终端与网络服务平台间的交互次数，进而提高网络交易的效率，提高了与交易终端耦接的交易系统(在本发明实施例中又称为数据平台)的处理效率。
下面结合其他实施例对所述人机交互装置101进行详细的说明。
在具体实施中，所述人机交互装置101可以包括二维码识别部件，所述身份信息数据和/或权益渠道信息通过所述二维码识别部件扫描二维码获得。请参照图2，图2示出了在实际应用中本发明实施例的一种交易终端。所述二维码识别部件可以是摄像头201。
在具体实施中，所述人机交互装置101可以包括卡片识别部件，所述身份信息数据通过所述卡片识别部件识别卡片中携带的信息获得。用户标识身份的卡片可以是银行卡和会员卡等，所述卡片携带信息的类型可以是芯片式的，也可以是磁条式的。例如，参照图2所示，所述卡片识别部件可以是能识别磁条式卡片的部件204，也可以是能识别芯片式卡片的部件205。
在具体实施中，所述身份信息数据可以是银行卡号、会员卡号和手机号等。当同一用户的多种身份信息数据已经关联时，通过卡片识别部件识别银行卡的卡号或者其他身份标识卡的卡号时，所述数据平台可以将通过其中一种身份信息关联到其他的身份信息。
在具体实施中，所述人机交互装置201可以包括输入部件，适于基于用户的操作输入所述权益渠道信息数据、所述交易信息数据和/或身份信息数据。结合图2，所述输入部件可以是键盘203，也可以是可进行信息输入的触摸屏。
在具体实施中，所述人机交互装置201可以包括显示部件，适于向用户显示所述实际支付信息、权益信息以及计算所述实际支付信息时所基于的权益渠道信息。结合图2，所述显示部件可以为电容式触摸屏202。
需要指出的是，本领域的技术人员可以理解，触摸屏可作为显示 部件，也可以作为输入部件，在此不做限制。
在具体实施中，所述人机交互装置还可以包括打印装置，适于打印所述实际支付信息、权益信息以及计算所述实际支付信息时所基于的权益渠道信息。对应参照图2，所述打印装置可以是图2中的部件207，对于图2所示的交易终端中，可以在打印装置207中放入专用的打印纸进行打印。所述打印装置207与所述控制器102耦接。
需要指出的是，本领域的技术人员可以理解，打印的信息除上述的实际支付信息、权益信息以及计算所述实际支付信息时所基于的权益渠道信息外，还可以包括其他信息，例如交易时间、交易流水号、交易终端标识号和商户号等，在此不做限制。
图2中所示的交易终端10还包括其他部件，例如电源开关206等，例如为交易终端具体实施而设置的其他与外部设备连接的接口等等，本领域技术人员可以理解为具体实施本发明的技术方案应该适应性设置的其他部件，在此不再赘述。
图3是本发明实施例中的一种控制器的结构示意图。如图3所示的控制器30，可以包括交易信息生成单元301；
所述交易信息生成单元301适于接收来自所述人机交互装置的所述交易请求数据，从所述交易信息数据、身份信息数据和权益渠道信息数据中分别提取交易信息、身份信息和权益渠道信息，以得到交易请求信息，并将所述交易请求信息通过数据平台通讯接口发送至数据平台。数据平台根据权益渠道信息查找与身份信息相关联的权益信息，然后再基于该交易信息和权益信息计算得到实际支付信息。
在具体实施中，所述控制器30还可以包括交易记录查询请求单元302，适于基于用户对所述人机交互装置的操作生成交易记录查询请求，并通过所述数据平台通讯接口发送所述交易记录查询请求至所述数据平台，所述数据平台根据所述述交易记录查询请求查询交易记录数据库，得到交易记录数据，其中，所述交易记录数据存储所述数 据平台生成的交易流水号，以及交易流水号对应的交易终端标识、商户标识、实际支付信息、权益信息和计算实际支付信息所基于的权益渠道信息。
其中，所述交易流水号在所述数据平台得到所述实际支付信息和所述权益信息时生成并存储，唯一标识依次所述实际支付信息的产生，与所述实际支付信息和所述权益信息存在对应关系，同时，计算实际支付信息所基于的权益渠道信息与所述交易流水号也存在对应关系。
在具体实施中，所述控制器30还可以包括交易记录接收单元303，适于接收所述数据平台反馈的交易记录数据，并发送所述交易记录数据至所述人机交互装置以呈现给用户。
在具体实施中，所述交易记录数据通过所述人机交互装置的显示部件显示于用户，也可以通过所述人机交互装置的声音输出部件以音频的方式输出给用户。
在具体实施中，所述控制器30还可以包括参数设置单元304，适于基于用户对所述人机交互装置的操作设置商户标识，以供所述交易终端发送至所述数据平台，由所述数据平台参照所述商户标识计算分账信息。
所述分账信息是所述数据平台基于所述实际支付信息和分账比例信息计算所得，所述分账比例为商户与其他网络服务平台(例如优惠活动平台)之间的服务对价的比例信息。所述数据平台根据所述商户标识以及所述权益渠道信息可以查询分账比例信息数据库得到所述分账比例信息。
在具体实施中，所述控制器30还可以包括用户管理单元305，适于基于用户对所述人机交互装置的操作增加或删除终端用户信息和终端用户权限信息并保存。
所述终端用户信息为可以操作所述交易终端30的操作人员的相 关信息，可以包括账户和密码等信息。通过设置所述终端用户信息和所述终端用户权限信息可以提高使用所述交易终端30进行支付的安全性。
在具体实施中，所述控制器30还可以包括支付方式确定单元306，适于基于用户对所述人机交互装置的操作选择支付方式，选择的支付方式发送至所述数据平台以用于重新计算所述实际支付信息。
在具体实施中，在所述权益信息由所述数据平台根据所述权益渠道信息和所述身份信息查询权益信息库得到，并且所述实际支付信息由所述数据平台根据所述权益信息和所述交易信息计算得到后，所述数据平台可再根据用户操作选择的支付方式确定支付方式权益信息，重新计算所述实际支付信息。其中，所述支付方式权益信息也可以对最终的实际支付信息产生影响，让用户可以享受更多的优惠权益。
例如，所述数据平台根据所述权益渠道信息和所述身份信息得到所述权益信息为八折优惠，基于用户选择的支付方式为银行卡支付，该银行卡支付方式对应的支付方式权益信息为优惠十元，则所述数据平台在按照优惠的权益信息计算实际支付信息后，再按照优惠十元的支付方式权益信息重新计算所述实际支付信息。
需要说明的是，在其他实施例中，所述控制器30还可以包括其他的功能单元，在此不做限制。
本领域普通技术人员可以理解上述实施例的各种方法中的全部或部分步骤是可以通过程序来指令相关的硬件来完成，该程序可以存储于计算机可读存储介质中，存储介质可以包括：ROM、RAM、磁盘或光盘等。
以上对本发明实施例的方法及系统做了详细的介绍，本发明并不限于此。任何本领域技术人员，在不脱离本发明的精神和范围内，均可作各种更动与修改，因此本发明的保护范围应当以权利要求所限定的范围为准。

Claims (10)

  1. 一种交易终端，其特征在于，包括：人机交互装置、控制器和数据平台通讯接口；其中：
    人机交互装置，适于供用户输入交易请求数据，并发送所述交易请求数据至所述控制器，其中，所述交易请求数据包括交易信息数据、身份信息数据和权益渠道信息数据；
    所述控制器包括交易信息生成单元，所述交易信息生成单元适于接收来自所述人机交互装置的所述交易请求数据，从所述交易信息数据、身份信息数据和权益渠道信息数据中分别提取交易信息、身份信息和权益渠道信息，以得到交易请求信息，并将所述交易请求信息通过数据平台通讯接口发送至数据平台；
    数据平台通讯接口，适于接收所述数据平台基于所述交易请求信息反馈的实际支付信息和权益信息，其中，所述权益信息由所述数据平台根据所述权益渠道信息和所述身份信息查询权益信息库得到，所述实际支付信息由所述数据平台根据所述权益信息和所述交易信息计算得到。
  2. 根据权利要求1所述的交易终端，其特征在于，所述人机交互装置包括二维码识别部件，所述身份信息数据和/或权益渠道信息通过所述二维码识别部件扫描二维码获得。
  3. 根据权利要求1所述的交易终端，其特征在于，所述人机 交互装置包括卡片识别部件，所述身份信息数据通过所述卡片识别部件识别卡片获得。
  4. 根据权利要求1所述的交易终端，其特征在于，所述人机交互装置包括显示部件，适于向用户显示所述实际支付信息、权益信息以及计算所述实际支付信息时所基于的权益渠道信息。
  5. 根据权利要求1所述的交易终端，其特征在于，所述人机交互装置包括输入部件，适于基于用户的操作输入所述权益渠道信息数据、所述交易信息数据和/或身份信息数据。
  6. 根据权利要求1所述的交易终端，其特征在于，所述人机交互装置包括打印装置，适于打印所述实际支付信息、权益信息以及计算所述实际支付信息时所基于的权益渠道信息。
  7. 根据权利要求1所述的交易终端，其特征在于，所述控制器还包括：
    交易记录查询请求单元，适于基于用户对所述人机交互装置的操作生成交易记录查询请求，并通过所述数据平台通讯接口发送所述交易记录查询请求至所述数据平台，所述数据平台根据所述述交易记录查询请求查询交易记录数据库，得到交易记录数据，其中，所述交易记录数据存储所述数据平台生成的交易流水号，以及交易流水号对应的交易终端标识、商户标识、实际支付信息、权益信息和计算实际支付信息所基于的权益渠道信息；
    交易记录接收单元，适于接收所述数据平台反馈的交易记录数据，并发送所述交易记录数据至所述人机交互装置以呈现给用户。
  8. 根据权利要求1所述的交易终端，其特征在于，所述控制器还包括：
    参数设置单元，适于基于用户对所述人机交互装置的操作设置商户标识，以供所述交易终端发送至所述数据平台，由所述数据平台参照所述商户标识计算分账信息。
  9. 根据权利要求1所述的交易终端，其特征在于，所述控制器还包括：
    用户管理单元，适于基于用户对所述人机交互装置的操作增加或删除终端用户信息和终端用户权限信息并保存。
  10. 根据权利要求1所述的交易终端，其特征在于，所述控制器还包括：支付方式确定单元，适于基于用户对所述人机交互装置的操作选择支付方式，选择的支付方式发送至所述数据平台以用于重新计算所述实际支付信息。
PCT/CN2016/093573 2016-01-29 2016-08-05 一种交易终端 WO2017128682A1 (zh)

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