WO2017128685A1 - 一种交易处理方法以及交易系统 - Google Patents

一种交易处理方法以及交易系统 Download PDF

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WO2017128685A1
WO2017128685A1 PCT/CN2016/093601 CN2016093601W WO2017128685A1 WO 2017128685 A1 WO2017128685 A1 WO 2017128685A1 CN 2016093601 W CN2016093601 W CN 2016093601W WO 2017128685 A1 WO2017128685 A1 WO 2017128685A1
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information
transaction
payer
unit
terminal
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PCT/CN2016/093601
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English (en)
French (fr)
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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 WO2017128685A1 publication Critical patent/WO2017128685A1/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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/349—Rechargeable cards
    • 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
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
    • G06F16/90—Details of database functions independent of the retrieved data types
    • G06F16/95—Retrieval from the web
    • G06F16/953—Querying, e.g. by the use of web search engines
    • G06F16/9535—Search customisation based on user profiles and personalisation
    • 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
    • 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
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • 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
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/346—Cards serving only as information carrier of service

Definitions

  • the present invention relates to the field of Internet, and in particular, to a transaction processing method and a transaction system.
  • the technical problem solved by the present invention is to improve the efficiency of the trading system.
  • an embodiment of the present invention provides a transaction system, including: a terminal and a transaction server; wherein:
  • the terminal includes:
  • a transaction information unit adapted to receive or generate transaction information
  • An identity information obtaining unit adapted to obtain identity information
  • the transaction server includes:
  • a receiving unit configured to receive the transaction information and identity information
  • the payer selection unit is adapted to query the related information database according to the identity information to select the target payer;
  • a first payment unit configured to send the transaction information to the target payer, and receive feedback information from the target payer;
  • a feedback unit adapted to send the feedback information to the terminal.
  • the identity information acquiring unit acquires the identity information by identifying a bank card or an identity card.
  • the feedback information indicates that the target payer is successfully paid, partially paid, or cannot be paid.
  • the identity information obtaining unit acquires the identity information by identifying a bank card; the terminal further includes a second payment unit, configured to, when the feedback information indicates that the target payer part is successfully paid or cannot be paid The payment is completed by the bank card.
  • the terminal further includes: a terminal information sending unit, configured to send the identifier information of the terminal to the transaction server;
  • the payer selection unit includes a query unit, a screening unit, and a first determining unit, wherein:
  • the query unit is configured to query the related information database according to the identity information to select each payment party associated with the identity information;
  • the screening unit is configured to filter, in the payment party selected by the query unit, a payer associated with the identifier information
  • the first determining unit is adapted to determine a payer associated with the identification information as the target payer.
  • the paying party selection unit further includes a sorting unit and a second determining unit, where:
  • the sorting unit is adapted to sort according to the balance, the applicable scope and/or the aging time of each paying party when the screening unit fails to filter;
  • the second determining unit is adapted to determine the target paying party according to the sorting result of the sorting unit.
  • the embodiment of the invention further provides a transaction processing method, including:
  • the terminal receives or generates transaction information and obtains identity information
  • the transaction server receives transaction information and identity information from the terminal;
  • the transaction server queries the related information database according to the identity information to select a target payer;
  • the transaction server sends the feedback information to the terminal.
  • the identity information is obtained by identifying a bank card or an identity card.
  • the feedback information indicates that the target payer is successfully paid, partially paid, or cannot be paid.
  • the identity information is obtained by identifying a bank card, and the method further includes: completing, by the bank card, the payment when the feedback information indicates that the target payer part is successfully paid or cannot be paid.
  • the transaction processing method further includes: the terminal sending the identification information of the terminal to the transaction server;
  • the transaction server queries the related information database according to the identity information to select each payment party associated with the identity information;
  • the transaction server filters a payer associated with the identification information among payment parties associated with the identity information;
  • the transaction server determines the payer associated with the identification information as the target The standard payer.
  • the transaction processing method further includes:
  • the transaction server sorts according to the balance, scope of application, and/or timeliness of use of the respective payers;
  • the transaction server determines the target payer based on the ranking result.
  • the terminal needs to obtain the status of each payer in turn, which wastes network resources and reduces system efficiency.
  • the terminal by acquiring the identity information, querying the related information database according to the identity information, selecting the target payer, and sending, by the first payment unit, the transaction information to the target payer and receiving the feedback information, without the user having to perform multiple queries. Can greatly improve system efficiency.
  • the identity information obtaining unit obtains the identity information by identifying a bank card or an identity card. Since the bank card or the ID card is not easily acquired by others, the identity information can be obtained by identifying the bank card or the ID card, thereby improving the security of the transaction system. .
  • FIG. 1 is a schematic structural diagram of a transaction system in an embodiment of the present invention.
  • FIG. 2 is a schematic structural diagram of a terminal according to an embodiment of the present invention.
  • FIG. 3 is a schematic structural diagram of a transaction server according to an embodiment of the present invention.
  • FIG. 4 is a flow chart of a transaction processing method in an embodiment of the present invention.
  • Each type of payment card may be a physical card, or it may be only an identity recorded in a system that can be paid.
  • the terminal needs to obtain the status of each payer by querying the server corresponding to each payer in turn, for example, the user needs to obtain the remaining amount of the user on each payer, and the overall query speed is slow, and the terminal is slow.
  • Frequent query requests with various payers waste network resources and reduce system efficiency. In particular, when the network resources such as the network bandwidth of the terminal are limited, the entire query process takes a long time, and it may even be impossible to obtain the query result in time due to network congestion.
  • the embodiment of the present invention obtains the identity information, queries the related information database according to the identity information, selects the target payer, and the first payment unit sends the transaction information to the target payer and receives the feedback information, without the user having to perform multiple queries, which can be greatly Improve system efficiency.
  • the information sent by the terminal is only the identity information and the transaction information, and there is no need to issue more request data to query different payment parties as in the prior art, and the occupied network bandwidth is small.
  • FIG. 1 is a schematic structural diagram of a transaction system according to an embodiment of the present invention
  • FIG. 2 is a schematic structural diagram of a terminal according to an embodiment of the present invention
  • FIG. 3 is a schematic structural diagram of a transaction server according to an embodiment of the present invention. 1 to 3 are explained.
  • the transaction system can include: a terminal 11 and a transaction server 12; wherein:
  • the terminal 11 may include a transaction information unit 111 adapted to receive or generate transaction information, and an identity information acquisition unit 112 adapted to acquire identity information.
  • the transaction information is information corresponding to the specific transaction content, such as the amount of the transaction.
  • the transaction information may be generated by the terminal 11 or received by the terminal 11.
  • the identity information is information that can characterize the user and is consistent with the record of the associated information database in the transaction server 12.
  • the identity information may be information such as a document number, a mobile phone number, a bank card number, or a membership card number.
  • the identity information can be obtained in various ways, for example, the mobile phone number can be obtained through NFC near field communication.
  • the identity information acquiring unit 112 may obtain the identity information by identifying a bank card or an identity card. Since the bank card or ID card is not easily accessible by others, the identity of the transaction system can be improved by identifying the bank card or identity card to obtain identity information.
  • the transaction server 12 may include: a receiving unit 121 adapted to receive the transaction information and identity information; the paying party selecting unit 122 is adapted to query the associated information database according to the identity information to select a target paying party; The payment unit 123 is adapted to send the transaction information to the target payer to receive feedback information from the target payer; and the feedback unit 124 is adapted to send the feedback information to the terminal 11.
  • the paying party 14 may be a member system corresponding to a certain stored value card, a membership card, or a loyalty card. For example, it may be a member system of a certain merchant. After the consumer recharges the merchant, the merchant records the consumer in the member system. The identity information and balance, at this time the merchant's membership system can be used as the payer 14; or a member system corresponding to multiple merchants, storing identity information and consumable amount.
  • the membership system is usually a system other than a bank payment system.
  • the transaction server can be connected to multiple payers 14.
  • the identity information database records the identity information and the information of each payer 14, wherein the identity information needs to correspond to the member information recorded in the system of the payer 14, for example, the identity information recorded in the system of the payer 14 is the mobile phone number, and the association is The mobile phone number is also recorded in the information database; or the mobile phone number can be stored at the same time as the mobile phone number is recorded.
  • the associated identification number is such that when the identity information received from the terminal 11 is an identification number, it can be associated with the aforementioned mobile number.
  • the feedback information may indicate that the target payer is successful in payment, partially paid successfully, or cannot be paid.
  • the payment is directly completed, and the feedback information of the payment success is generated; if the identity information acquired from the terminal 11 is in the target payer system If the associated balance is less than the amount included in the transaction information, the feedback information may be prompt information including the target payer balance and the amount to be paid; if the communication is not completed with the target payer, or the target payer refuses to pay for other reasons , the feedback information can be unpaid.
  • the identity information acquiring unit acquires the identity information by identifying a bank card; the terminal 11 may further include a second payment unit 113, and is adapted to indicate the target payer in the feedback information.
  • the payment is completed by the bank card.
  • the payment of the amount of the payment in the prompt information can be completed by the bank card.
  • the terminal 11 may further include: a terminal information sending unit 114, configured to send the identifier information of the terminal 11 to the transaction server 12.
  • the payer selection unit 122 may further include a query unit, a screening unit, and a first determining unit, where:
  • the query unit is adapted to query the related information database according to the identity information to select each payment party 14 associated with the identity information;
  • the screening unit is adapted to filter the payment party 14 associated with the identification information in the payment party 14 selected by the query unit;
  • the first determining unit is adapted to determine the payer 14 associated with the identification information as the target payer.
  • the identification information is used to identify different terminals 11, for example, the identification number of the terminal 11. And the terminal number, the geographic location and the merchant where the terminal 11 is located can be learned through the identification number and terminal number of the terminal 11.
  • the payer 14 associated with the identification information is the merchant where the terminal 11 is located. Therefore, if there is a payer 14 associated with the identification information, the payer 14 is preferentially selected as the target payer.
  • the paying party selection unit 122 may further include a sorting unit and a second determining unit, where:
  • the sorting unit is adapted to sort according to the balance, the applicable scope and/or the aging time of each paying party 14 when the filtering unit fails to filter;
  • the second determining unit is adapted to determine the target paying party according to the sorting result of the sorting unit.
  • the filtering unit fails to filter, it indicates that the current consumer has not processed the stored value card or the point deductible card in the current merchant.
  • the payment may be sorted according to the balance, scope of application, and/or aging of each paying party 14. .
  • the ranking may be performed according to any one of the balance, the scope of application, and the aging of each paying party 14, or a plurality of weighting calculations may be performed to obtain the most suitable target payer.
  • the balance, the scope of application, and the aging of the payer 14 are factors that the consumer considers when selecting the payer 14.
  • the transaction system in the embodiment of the present invention can be calculated according to the factor to obtain the target payer instead of the consumer. Manual query, which can improve system efficiency.
  • An embodiment of the present invention further provides a transaction processing method, and a flowchart thereof is shown in FIG. 4.
  • step S41 the terminal receives or generates transaction information and acquires identity information.
  • step S42 the transaction server receives transaction information and identity information from the terminal.
  • step S43 the transaction server queries the associated information database according to the identity information to select a target payer.
  • step S44 the transaction server sends the transaction to the target payer Information and receiving feedback information from the target payer.
  • step S45 the transaction server transmits the feedback information to the terminal.
  • the identity information may be obtained by identifying a bank card or an identity card.
  • the feedback information may indicate that the target payer is successful in payment, partial payment is successful, or cannot be paid.
  • the identity information is obtained by identifying a bank card
  • the method further includes: completing, by the bank card, the payment when the feedback information indicates that the target payer part is successfully paid or cannot be paid.
  • the transaction processing method may further include: the terminal sending the identification information of the terminal to the transaction server; the transaction server queries the related information database according to the identity information, to select the identity Each payment party associated with the information; the transaction server screening a payment party associated with the identification information among each payment party associated with the identity information; the transaction server will associate a payment party with the identification information Determined to be the target payer.
  • the transaction processing method may further include:
  • the transaction server sorts according to the balance, the scope of application, and/or the usage time of each payment party; the transaction server determines the target payer according to the ranking result of the sorting unit.
  • the program may be stored in a computer readable storage medium, and the storage medium may include: ROM, RAM, disk or CD.

Abstract

一种交易处理方法及交易系统，所述交易系统包括：终端和交易服务器；其中：所述终端包括：交易信息单元，适于接收或生成交易信息；身份信息获取单元，适于获取身份信息；所述交易服务器包括：接收单元，适于接收所述交易信息、身份信息；支付方选择单元，适于根据所述身份信息查询关联信息数据库，以选取目标支付方；第一支付单元，适于向所述目标支付方发送所述交易信息，接收来自所述目标支付方的反馈信息；反馈单元，适于将所述反馈信息发送至所述终端。所述交易处理方法以及交易系统可以提高系统效率。

Description

一种交易处理方法以及交易系统
本申请要求2016年01月29日提交中国专利局、申请号为201610069316.5、发明名称为“一种交易处理方法以及交易系统”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
本发明涉及互联网领域，尤其涉及一种交易处理方法以及交易系统。
背景技术
随着互联网技术的发展，越来越多的数据系统可以通过网络互连，也带来了支付手段多样化，除各种银行卡之外，也存在有各类支付卡，例如各种储值卡、消费卡、积分卡等，这些银行卡之外的各类支付卡可能是实体卡片，也可能仅是某个系统中记录的可以进行支付的身份。
由于这些银行卡之外的各类支付卡也可以在多种消费场景进行支付，具体到某次支付时，会降低交易系统的系统效率。
发明内容
本发明解决的技术问题是提升交易系统的效率。
为解决上述技术问题，本发明实施例提供一种交易系统，包括：终端和交易服务器；其中：
所述终端包括：
交易信息单元，适于接收或生成交易信息；
身份信息获取单元，适于获取身份信息；
所述交易服务器包括：
接收单元，适于接收所述交易信息、身份信息；
支付方选择单元，适于根据所述身份信息查询关联信息数据库，以选取目标支付方；
第一支付单元，适于向所述目标支付方发送所述交易信息，接收来自所述目标支付方的反馈信息；
反馈单元，适于将所述反馈信息发送至所述终端。
可选的，所述身份信息获取单元通过识别银行卡或身份证获取所述身份信息。
可选的，所述反馈信息指示所述目标支付方支付成功、部分支付成功或无法支付。
可选的，所述身份信获取单元通过识别银行卡获取所述身份信息；所述终端还包括第二支付单元，适于在所述反馈信息指示所述目标支付方部分支付成功或无法支付时，通过所述银行卡完成支付。
可选的，所述终端还包括：终端信息发送单元，适于向交易服务器发送所述终端的标识信息；
所述支付方选择单元包括查询单元、筛选单元、以及第一确定单元，其中：
所述查询单元，适于根据所述身份信息对所述关联信息数据库进行查询，以选取与所述身份信息相关联的各支付方；
所述筛选单元，适于在所述查询单元选取得到的支付方中筛选与所述标识信息关联的支付方；
所述第一确定单元，适于将与所述标识信息关联的支付方确定为所述目标支付方。
可选的，所述支付方选择单元，还包括排序单元和第二确定单元，其中：
所述排序单元，适于在所述筛选单元筛选失败时，根据所述各支付方的余额、适用范围和/或使用时效进行排序；
所述第二确定单元，适于根据所述排序单元的排序结果确定所述目标支付方。
本发明实施例还提供一种交易处理方法，包括：
终端接收或生成交易信息，并获取身份信息；
交易服务器接收来自所述终端的交易信息和身份信息；
所述交易服务器根据所述身份信息查询关联信息数据库，以选取目标支付方；
所述交易服务器向所述目标支付方发送所述交易信息，并接收来自所述目标支付方的反馈信息；
所述交易服务器将所述反馈信息发送至所述终端。
可选的，所述身份信息是通过识别银行卡或身份证获取的。
可选的，所述反馈信息指示所述目标支付方支付成功、部分支付成功或无法支付。
可选的，所述身份信息是通过识别银行卡获取的，所述方法还包括：在所述反馈信息指示所述目标支付方部分支付成功或无法支付时，通过所述银行卡完成支付。
可选的，所述交易处理方法还包括：所述终端向交易服务器发送所述终端的标识信息；
所述交易服务器根据所述身份信息对所述关联信息数据库进行查询，以选取与所述身份信息相关联的各支付方；
所述交易服务器在与所述身份信息相关联的各支付方中筛选与所述标识信息关联的支付方；
所述交易服务器将与所述标识信息关联的支付方确定为所述目 标支付方。
可选的，当所述交易服务器筛选与所述标识信息关联的支付方失败时，所述交易处理方法还包括：
所述交易服务器根据所述各支付方的余额、适用范围和/或使用时效进行排序；
所述交易服务器根据排序结果确定所述目标支付方。
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：
由于针对某次支付，可能存在多种支付方，进行消费的用户可能需要在获悉所有可用的支付方的状况下，才能做出决定。若利用现有的交易系统，终端需要依次获取各支付方的状况，会浪费网络资源并会降低系统效率。在本发明实施例中，通过获取身份信息，根据身份信息查询关联信息数据库，选取目标支付方，由第一支付单元向目标支付方发送交易信息并接收反馈信息，而无需用户进行多次查询，可以极大的提升系统效率。
进一步，所述身份信息获取单元通过识别银行卡或身份证获取所述身份信息，由于银行卡或身份证不易被他人获取，通过识别银行卡或身份证获取身份信息，可以提升交易系统的安全性。
附图说明
图1是本发明实施例中一种交易系统的结构示意图；
图2是本发明实施例中一种终端的结构示意图；
图3是本发明实施例中一种交易服务器的结构示意图；
图4是本发明实施例中一种交易处理方法的流程图。
具体实施方式
如前所述，随着互联网技术的发展，越来越多的数据系统可以通 过网络互连，也带来了支付手段多样化，除各种银行卡之外，也存在有各类支付卡，例如各种储值卡、消费卡、积分卡等，这些银行卡之外的各类支付卡可能是实体卡片，也可能仅是某个系统中记录的可以进行支付的身份。
由于针对某次支付，可能存在多种支付方(例如各种储值卡、消费卡、积分卡等)，进行消费的用户可能需要在获悉所有可用的支付方的状况下，才能做出决定。若利用现有的交易系统，终端需要依次通过查询各个支付方对应的服务器来获取各个支付方的状况，比如需要获取用户在各支支付方的剩余金额等，总体的查询速度较慢，而且终端和各个支付方之间频繁的查询请求会浪费网络资源并会降低系统效率。尤其而言，当终端的网络带宽等网络资源有限时，整个查询过程耗时会很长，甚至有可能由于网络拥挤导致无法及时得到查询结果。
本发明实施例通过获取身份信息，根据身份信息查询关联信息数据库，选取目标支付方，由第一支付单元向目标支付方发送交易信息并接收反馈信息，而无需用户进行多次查询，可以极大的提升系统效率。而且，终端向外发送的信息仅仅是身份信息和交易信息，无需像现有技术一样发出较多的请求数据来查询各个不同的支付方，占用的网络带宽较小。
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是本发明实施例中一种交易系统的结构示意图，图2是本发明实施例中一种终端的结构示意图，图3是本发明实施例中一种交易服务器的结构示意图，以下结合图1至图3进行说明。
交易系统可以包括：终端11和交易服务器12；其中：
终端11可以包括：交易信息单元111，适于接收或生成交易信息；身份信息获取单元112，适于获取身份信息。
交易信息是对应于具体交易内容的信息，例如此次交易的金额等。交易信息可以由终端11生成，或者由终端11接收。
身份信息是可以表征用户身份的信息，并与交易服务器12中关联信息数据库的记录相一致。身份信息可以是证件号码、手机号、银行卡号或会员卡号等信息。身份信息可以通过多种方式获取，例如可以通过NFC近场通信的方式获取手机号等。
在一具体实施中，所述身份信息获取单元112可以通过识别银行卡或身份证获取所述身份信息。由于银行卡或身份证不易被他人获取，通过识别银行卡或身份证获取身份信息，可以提升交易系统的安全性。
相应地，交易服务器12可以包括：接收单元121，适于接收所述交易信息、身份信息；支付方选择单元122，适于根据所述身份信息查询关联信息数据库，以选取目标支付方；第一支付单元123，适于向所述目标支付方发送所述交易信息，接收来自所述目标支付方的反馈信息；反馈单元124，适于将所述反馈信息发送至所述终端11。
支付方14可以是与某种储值卡、会员卡、或积分卡对应的会员系统，例如：可以是某个商家的会员系统，消费者在商家进行充值后，商家在会员系统中记录消费者的身份信息和余额，此时商家的会员系统既可作为支付方14；也可以是对应多个商家的会员系统，存储有身份信息和可消费金额。该会员系统通常是银行支付系统以外的系统。
虽然图中仅示出一个支付方14，但可以理解的是，交易服务器可以连接至多个支付方14。
关联信息数据库中记录有身份信息和各个支付方14的信息，其中身份信息需与支付方14系统中记录的会员信息相对应，例如：支付方14系统中记录的身份信息为手机号，则关联信息数据库中也需记录有手机号；或者也可以在记录手机号的同时，也存储与该手机号 相关联的身份证号，以便在从终端11接收的身份信息为身份证号时，可以将其关联至上述手机号。
在具体实施中，所述反馈信息可以指示所述目标支付方支付成功、部分支付成功或无法支付
若从终端11获取的身份信息在目标支付方系统中关联的余额大于交易信息包含的金额，则直接完成支付，生成支付成功的反馈信息；若从终端11获取的身份信息在目标支付方系统中关联的余额小于交易信息包含的金额，则反馈信息可以是包含目标支付方余额和还需支付数额的提示信息；若并未能和目标支付方完成的通信，或由于其他原因目标支付方拒绝支付，则反馈信息可以是无法支付。
在本发明一实施例中，所述身份信获取单元通过识别银行卡获取所述身份信息；所述终端11还可以包括第二支付单元113，适于在所述反馈信息指示所述目标支付方部分支付成功或无法支付时，通过所述银行卡完成支付。在部分支付成功时，可以通过银行卡完成提示信息中还需支付数额的支付。
在本发明另一实施例中，所述终端11还可以包括：终端信息发送单元114，适于向交易服务器12发送所述终端11的标识信息。
相应地，所述支付方选择单元122还可以包括查询单元、筛选单元、以及第一确定单元，其中：
所述查询单元，适于根据所述身份信息对所述关联信息数据库进行查询，以选取与所述身份信息相关联的各支付方14；
所述筛选单元，适于在所述查询单元选取得到的支付方14中筛选与所述标识信息关联的支付方14；
所述第一确定单元，适于将与所述标识信息关联的支付方14确定为所述目标支付方。
标识信息用于标识不同的终端11，例如可以是终端11的标识号 和终端号，通过终端11的标识号和终端号可以获悉终端11所在的地理位置和商户。与所述标识信息关联的支付方14，则为该终端11所在的商户。故若存在与所述标识信息关联的支付方14，则优先选取该支付方14作为目标支付方。
在本发明另一实施例中，所述支付方选择单元122，还可以包括排序单元和第二确定单元，其中：
所述排序单元，适于在所述筛选单元筛选失败时，根据所述各支付方14的余额、适用范围和/或使用时效进行排序；
所述第二确定单元，适于根据所述排序单元的排序结果确定所述目标支付方。
在所述筛选单元筛选失败时，说明当前消费者在当前商户并未办理过储值卡或积分抵扣卡，此时，可以按照各支付方14的余额、适用范围和/或使用时效进行排序。排序可以按照各支付方14的余额、适用范围、使用时效中的任一种进行，也可以对其中多种进行加权计算，以得到最合适的目标支付方。
支付方14的余额、适用范围、使用时效是消费者在选取支付方14时考虑较多的因素，本发明实施例中的交易系统，可以依照此因素进行计算，得到目标支付方，以代替消费者的人工查询，从而可以提高系统效率。
本发明实施例还提供一种交易处理方法，其流程图参见图4。
在步骤S41中，终端接收或生成交易信息，并获取身份信息。
在步骤S42中，交易服务器接收来自所述终端的交易信息和身份信息。
在步骤S43中，所述交易服务器根据所述身份信息查询关联信息数据库，以选取目标支付方。
在步骤S44中，所述交易服务器向所述目标支付方发送所述交易 信息，并接收来自所述目标支付方的反馈信息。
在步骤S45中，所述交易服务器将所述反馈信息发送至所述终端。
在具体实施中，所述身份信息可以是通过识别银行卡或身份证获取的。
在具体实施中，所述反馈信息可以指示所述目标支付方支付成功、部分支付成功或无法支付。
在具体实施中，所述身份信息是通过识别银行卡获取的，所述方法还包括：在所述反馈信息指示所述目标支付方部分支付成功或无法支付时，通过所述银行卡完成支付。
在具体实施中，交易处理方法还可以包括：所述终端向交易服务器发送所述终端的标识信息；所述交易服务器根据所述身份信息对所述关联信息数据库进行查询，以选取与所述身份信息相关联的各支付方；所述交易服务器在与所述身份信息相关联的各支付方中筛选与所述标识信息关联的支付方；所述交易服务器将与所述标识信息关联的支付方确定为所述目标支付方。
在具体实施中，当所述交易服务器筛选与所述标识信息关联的支付方失败时，所述交易处理方法还可以包括：
所述交易服务器根据所述各支付方的余额、适用范围和/或使用时效进行排序；所述交易服务器根据所述排序单元的排序结果确定所述目标支付方。
本发明实施例中交易处理方法的具体实现方式可以参照前述交易系统，此不赘述。
在本发明实施例中，通过获取身份信息，根据身份信息查询关联信息数据库，选取目标支付方，由第一支付单元向目标支付方发送交易信息并接收反馈信息，而无需用户进行多次查询，可以极大的提升 系统效率。
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，该程序可以存储于一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。
虽然本发明披露如上，但本发明并非限定于此。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 (12)

  1. 一种交易系统，其特征在于，包括：终端和交易服务器；其中：
    所述终端包括：
    交易信息单元，适于接收或生成交易信息；
    身份信息获取单元，适于获取身份信息；
    所述交易服务器包括：
    接收单元，适于接收所述交易信息、身份信息；
    支付方选择单元，适于根据所述身份信息查询关联信息数据库，以选取目标支付方；
    第一支付单元，适于向所述目标支付方发送所述交易信息，接收来自所述目标支付方的反馈信息；
    反馈单元，适于将所述反馈信息发送至所述终端。
  2. 根据权利要求1所述的交易系统，其特征在于，所述身份信息获取单元通过识别银行卡或身份证获取所述身份信息。
  3. 根据权利要求1所述的交易系统，其特征在于，所述反馈信息指示所述目标支付方支付成功、部分支付成功或无法支付。
  4. 根据权利要求1所述的交易系统，其特征在于，所述身 份信获取单元通过识别银行卡获取所述身份信息；所述终端还包括第二支付单元，适于在所述反馈信息指示所述目标支付方部分支付成功或无法支付时，通过所述银行卡完成支付。
  5. 根据权利要求1所述的交易系统，其特征在于，所述终端还包括：终端信息发送单元，适于向交易服务器发送所述终端的标识信息；
    所述支付方选择单元包括查询单元、筛选单元、以及第一确定单元，其中：
    所述查询单元，适于根据所述身份信息对所述关联信息数据库进行查询，以选取与所述身份信息相关联的各支付方；
    所述筛选单元，适于在所述查询单元选取得到的支付方中筛选与所述标识信息关联的支付方；
    所述第一确定单元，适于将与所述标识信息关联的支付方确定为所述目标支付方。
  6. 根据权利要求5所述的交易系统，其特征在于，所述支付方选择单元还包括排序单元和第二确定单元，其中：
    所述排序单元，适于在所述筛选单元筛选失败时，根据所述各支付方的余额、适用范围和/或使用时效进行排序；
    所述第二确定单元，适于根据所述排序单元的排序结果确定所述目标支付方。
  7. 一种交易处理方法，其特征在于，包括：
    终端接收或生成交易信息，并获取身份信息；
    交易服务器接收来自所述终端的交易信息和身份信息；
    所述交易服务器根据所述身份信息查询关联信息数据库，以选取目标支付方；
    所述交易服务器向所述目标支付方发送所述交易信息，并接收来自所述目标支付方的反馈信息；
    所述交易服务器将所述反馈信息发送至所述终端。
  8. 根据权利要求7所述的交易处理方法，其特征在于，所述身份信息是通过识别银行卡或身份证获取的。
  9. 根据权利要求7所述的交易处理方法，其特征在于，所述反馈信息指示所述目标支付方支付成功、部分支付成功或无法支付。
  10. 根据权利要求7所述的交易处理方法，其特征在于，所述身份信息是通过识别银行卡获取的，所述方法还包括：在所述反馈信息指示所述目标支付方部分支付成功或无法支付时，通过所述银行卡完成支付。
  11. 根据权利要求7所述的交易处理方法，其特征在于，还包括：所述终端向交易服务器发送所述终端的标识信息；
    所述交易服务器根据所述身份信息对所述关联信息数据库进行查询，以选取与所述身份信息相关联的各支付方；
    所述交易服务器在与所述身份信息相关联的各支付方中筛选与所述标识信息关联的支付方；
    所述交易服务器将与所述标识信息关联的支付方确定为所述目标支付方。
  12. 根据权利要求11所述的交易处理方法，其特征在于，当所述交易服务器筛选与所述标识信息关联的支付方失败时，所述交易处理方法还包括：
    所述交易服务器根据所述各支付方的余额、适用范围和/或使用时效进行排序；
    所述交易服务器根据排序结果确定所述目标支付方。
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