CN107808287A - A kind of aggregate payment system - Google Patents
A kind of aggregate payment system Download PDFInfo
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- CN107808287A CN107808287A CN201711163983.0A CN201711163983A CN107808287A CN 107808287 A CN107808287 A CN 107808287A CN 201711163983 A CN201711163983 A CN 201711163983A CN 107808287 A CN107808287 A CN 107808287A
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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
- G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
- G06Q20/3415—Cards acting autonomously as pay-media
-
- 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
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
- G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
-
- 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
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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
- G06Q20/352—Contactless payments by cards
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/403—Solvency checks
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- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- Accounting & Taxation (AREA)
- Physics & Mathematics (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Finance (AREA)
- Computer Security & Cryptography (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Computer Networks & Wireless Communication (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Storage Device Security (AREA)
Abstract
The invention discloses a kind of aggregate payment system, it is related to Payment System field.The aggregate payment system includes settlement of transactions platform, merchant device and the user APP installed in user terminal；Merchant device, user APP are connected with settlement of transactions Platform communication respectively；The settlement of transactions platform includes：Data reception module, the first inquiry determination module, the second inquiry determination module, the 3rd inquiry determination module and data transmission blocks.Aggregate payment system of the present invention is intended to redefine internet+contactless card payment mode in a manner of more simple and fast is efficient.To adapt to more allegro life style and operating efficiency, more businessmans and individual are made to benefit from it.Home-confined just realize of individual is uniformly supplemented with money and deducted fees to one's own various stored value cards, and newborn businessman can also remove from hair fastener and its using software making.
Description
Technical field
The present invention relates to Payment System field, more particularly to a kind of aggregate payment system.
Background technology
As the means of payment is constantly progressive, various stored value cards turn into the important payment hand in people's process of consumption
Section.Then, in real life, frequently encounter and be badly in need of in certain stored value card and stored value card without remaining sum or the situation that Sorry, your ticket has not enough value；
Also frequently encounter because the businessman for issuing stored value card is different, supplement different stored value cards with money, need to waste time and energy and seek specified businessman and complete to fill
The situation of value, the above situation consume one's energy and the time for the rhythm of life increasingly accelerated and the people of work rhythm.
Existing universal payment system realizes is supplemented with money by user to the account that oneself possesses, and businessman fills user's
Value amount is write on the card that user is held；When user is consumed, user need to can be held after key is verified
The amount of card re-starts change, and this way of payment is not convenient, the problem of causing consumer spending experience sense difference.
The content of the invention
It is an object of the invention to provide a kind of aggregate payment system, non-contact card is supplemented with money not so as to solve prior art
The problem of convenient and inconvenient for use sharp.
To achieve these goals, aggregate payment system of the present invention, the aggregate payment system include settlement of transactions
Platform, merchant device and the user APP installed in user terminal；The merchant device, the user APP tie with the transaction respectively
Calculate Platform communication connection；The settlement of transactions platform includes：Data reception module：It is non-contact to receive the carrying that merchant device is sent
The GPRS data of card card number；First inquiry determination module, judges the legitimacy of non-contact card card number and merchant device, judges non-connect
Touch mode of being deducted fees corresponding to card card number；If deducted fees using the transaction of user account remaining sum, into the second inquiry determination module；Such as
Fruit is deducted fees using the sub- settlement of transactions platform transaction of businessman, then into the 3rd inquiry determination module；Second inquiry determination module：Inquiry
Non-contact card card number owning user account balance, and judge whether to deduct turnover；3rd inquiry determination module：Transfer and inquire about
Non-contact card card number corresponding remaining sum under its affiliated sub- settlement of transactions platform of businessman, judge whether to deduct turnover；Data are sent out
Send module, by the legitimacy result of non-contact card card number, transaction, whether successful result is sent to merchant device, transaction whether into
The result of work(is sent to user APP.
Preferably, the settlement of transactions platform also includes：
Registering modules：The user basic information registered user's account provided according to user, the user basic information include
Name, identification card number and the phone number of user；Put down according to businessman's essential information registrar home's settlement of transactions that businessman provides
Platform, each sub- settlement of transactions platform of businessman bind multiple merchant devices, and businessman's essential information includes Merchant name, license number
Code and the phone number of businessman director, the sub- settlement of transactions platform of businessman store each merchant device during binding merchant device
Unique sequence numbers, while by the unique sequence numbers of each merchant device be sent to settlement of transactions platform storage；User account and
Merchant Account is unique；
Login module：Settlement of transactions platform is logged in by the user APP on mobile terminal for user, for merchant device
Settlement of transactions platform is logged in by the sub- settlement of transactions platform of businessman；
Data clear module：Be responsible for according to user's requirement set in advance, will be deducted fees caused by user with week knot or
The mode of person's monthly closing entry is settled accounts to businessman；
Account management module：User APP shows transaction results to user, completes transaction, and payment result storage is arrived into number
According in storehouse；
Adjust module：It is responsible for arranging any one user account or the All Activity record of merchant device, and generates the use
The transaction record of family account or the merchant device；
Security module：It is responsible for that protection is encrypted to transaction flow and user account data and Merchant Account data.
Preferably, the GPRS data for the carrying non-contact card card number that merchant device is sent is received, specifically as steps described below
Realize：Data reception module receives the GPRS data for the carrying non-contact card card number that merchant device is sent, and from the GPRS numbers
According to extract non-contact card card number, merchant device unique sequence numbers and Transaction Information, then by non-contact card card number, Shang Jiashe
Standby unique sequence numbers and Transaction Information are sent to the first inquiry determination module.
It is highly preferred that the first inquiry determination module judges the legitimacy of non-contact card card number, it is specially：Judge non-connect
Touch whether card card number is bound by some user account, if it is, the non-contact card card number is legal；If it is not, then this non-is connect
Touch the message that card card number is not bound and be sent to merchant device；
The first inquiry determination module judges the legitimacy of merchant device, is specially：Judge unique sequence of merchant device
Row number whether bind by the sub- settlement of transactions platform of the businessman corresponding to the merchant device, if it is, the merchant device is legal；If
It is no, then the illegal message of the merchant device is sent to merchant device.
Preferably, the merchant device includes reading the card-reading apparatus of non-contact card card number.
Preferably, each user account at least binds a non-contact card, and user is stepped on by the user APP on mobile terminal
Record the user account of the user on settlement of transactions platform, initiate binding instruction, mobile terminal obtained by NFC wait to bind it is non-contact
The card number of card, and the card number of acquisition is tied under user account, complete the binding of user account and non-contact card.
Preferably, it is non-contact to having under its command by on-line payment mode to be also responsible for reception user account for the data reception module
Block the load value data supplemented with money or the load value data of user to user account balance, and by whether the data feedback of successful recharging is to use
Family account.
It is highly preferred that when user is traded using the fund that is stored in user account remaining sum, user account, non-connect
Touching the transaction flow blocked between merchant device is：
S11, the GPRS data for the carrying non-contact card card number that merchant device is sent to settlement of transactions platform；
S12, settlement of transactions platform obtain Transaction Information, carrying non-contact card card number a and merchant device in GPRS data
Unique sequence numbers, checking carry non-contact card card number a and merchant device unique sequence numbers it is legal after, Transaction Information is sent
To user account corresponding to non-contact card card number a；
S13, whether user is correct by user's account check Transaction Information, if correctly, it is determined that transaction；It is if wrong
By mistake, then refusal transaction；
S14, after settlement of transactions platform obtains the instruction that user account determines transaction, user account remaining sum is inquired about, if user
Account balance is less than or equal to 0, then does not allow to merchandise, it is impossible to which the message feedback being traded is to merchant device；If user account
Remaining sum is more than 0, then allows to merchandise, into S15；
S15, settlement of transactions platform deduct the turnover carried in the Transaction Information from user account remaining sum, complete to hand over
Easily.
It is highly preferred that when using non-contact card card number, corresponding remaining sum is carried out under its affiliated sub- settlement of transactions platform of businessman
During transaction, the transaction flow between settlement of transactions platform, non-contact card and merchant device is：
S21, the GPRS for the carrying non-contact card card number that merchant device is sent to settlement of transactions platform to settlement of transactions platform
Data；
S22, settlement of transactions platform obtain Transaction Information, carrying non-contact card card number a and merchant device in GPRS data
Unique sequence numbers, checking carry non-contact card card number a and merchant device unique sequence numbers it is legal after, inquire about and obtain described
Remaining sum corresponding to non-contact card card number A, if remaining sum is less than or equal to 0, it cannot merchandise, it is impossible to which the message being traded is anti-
Feed merchant device；If remaining sum is more than 0, the message that can be merchandised is sent to the sub- settlement of transactions platform of businessman, into S23；
S23, the sub- settlement of transactions platform of businessman directly deduct turnover from the remaining sum corresponding to non-contact card card number A, meanwhile,
The sub- settlement of transactions platform of the businessman successful message that will merchandise is sent to merchant device, completes transaction.
It is highly preferred that user account is supplemented with money by on-line payment mode to have that non-contact card supplements with money under its command, specifically under
State step realization：
S31, the charging request for supplementing any one contactless card b with money is sent to settlement of transactions platform by user account,
Contactless card b is any one contactless card of user account binding；
S32, after the settlement of transactions platform validation legitimacy of the charging request, pass through on-line payment mode or user's account
Family remaining sum is supplemented with money to contactless card b.
The beneficial effects of the invention are as follows：
Aggregate payment system of the present invention is intended to redefine internet+non-contact in a manner of more simple and fast is efficient
Formula card payment mode.To adapt to more allegro life style and operating efficiency, more businessmans and individual are made to benefit from it.It is individual
People is home-confined uniformly to be supplemented with money and is deducted fees to one's own various stored value cards with regard to realizing, and newborn businessman can also exempt from
Go hair fastener and its use software making.
Brief description of the drawings
Fig. 1 is the structural representation of aggregate payment system；
Fig. 2 is the structural representation of settlement of transactions platform；
Fig. 3 is the data handling procedure schematic diagram between settlement of transactions platform, merchant device and user APP；
Fig. 4 is user account, non-contact card when user is traded using the fund being stored in user account remaining sum
Transaction flow between merchant device；
Fig. 5 is the fund allocation process schematic between settlement of transactions platform, merchant device and user APP；
Fig. 6 is to work as to be traded using non-contact card card number corresponding remaining sum under its affiliated sub- settlement of transactions platform of businessman
When, the transaction flow schematic diagram between settlement of transactions platform, non-contact card and merchant device；
Fig. 7 is the structure function schematic diagram of account management module；
Fig. 8 is the structure function schematic diagram for adjusting module；
Fig. 9 is the structure function schematic diagram of data clearance module.
Embodiment
In order to make the purpose , technical scheme and advantage of the present invention be clearer, below in conjunction with accompanying drawing, the present invention is entered
Row is further described.It should be appreciated that embodiment described herein is not used to only to explain the present invention
Limit the present invention.
Embodiment
Reference picture 1, aggregate payment system described in the present embodiment, the aggregate payment system include settlement of transactions platform, business
Family's equipment and the user APP installed in user terminal；The merchant device, the user APP respectively with the settlement of transactions platform
Communication connection；
Reference picture 2, the settlement of transactions platform include：
Data reception module：Receive the GPRS data for the carrying non-contact card card number that merchant device is sent；
First inquiry determination module, judges the legitimacy of non-contact card card number and merchant device, judges non-contact card card number
Corresponding mode of deducting fees；If deducted fees using the transaction of user account remaining sum, into the second inquiry determination module；If use business
The transaction of home's settlement of transactions platform is deducted fees, then into the 3rd inquiry determination module；
Second inquiry determination module：Non-contact card card number owning user account balance is inquired about, and judges whether to deduct transaction
Volume；
3rd inquiry determination module：Transfer and to inquire about non-contact card card number right under its affiliated sub- settlement of transactions platform of businessman
The remaining sum answered, judge whether to deduct turnover；
Data transmission blocks, by the legitimacy result of non-contact card card number, whether successful result is sent to businessman for transaction
Equipment, whether successful result is sent to user APP for transaction.
Explanation, which is explained in more detail, is：
(1) reference picture 2, the settlement of transactions platform also include：
1.1 Registering modules
Registering modules：The user basic information registered user's account provided according to user, the user basic information include
Name, identification card number and the phone number of user；Put down according to businessman's essential information registrar home's settlement of transactions that businessman provides
Platform, each sub- settlement of transactions platform of businessman bind multiple merchant devices, and businessman's essential information includes Merchant name, license number
Code and the phone number of businessman director, the sub- settlement of transactions platform of businessman store each merchant device during binding merchant device
Unique sequence numbers, while by the unique sequence numbers of each merchant device be sent to settlement of transactions platform storage；User account and
Merchant Account is unique；
1.2 login module
Login module：Settlement of transactions platform is logged in by the user APP on mobile terminal for user, for merchant device
Settlement of transactions platform is logged in by the sub- settlement of transactions platform of businessman；
1.3 account management module
Account management module：User APP shows transaction results to user, completes transaction, and payment result storage is arrived into number
According in storehouse；Illustrate that account management module includes subcard unit, transaction record unit, amount of money processing unit and card power according to Fig. 7
Limit control unit；
Subcard unit, increase, deletion and the modification of the card for being responsible for being bundled on user account.
Transaction record unit, it is responsible for the instructions query transaction record according to user.
Amount of money processing unit, it is responsible for supplementing with money and embodies.
Card control of authority unit, it is responsible for setting the upper limit of turnover per day.
1.4 adjust module
Adjust module：It is responsible for arranging any one user account or the All Activity record of merchant device, and generates the use
The transaction record of family account or the merchant device；Ensure that finance and the account cleared are consistent, it is necessary to by adjusting function
To realize.
As shown in figure 8, the accounting flow on businessman is：The transaction data of settlement of transactions platform historically is by the businessman
The income of equipment is sent to flowing water registration subsystem, and after flowing water registration subsystem makes the flow registration that keeps accounts, the flow that will keep accounts is stepped on
Note is sent to processing subsystem is adjusted, and is carried out flowing water and is adjusted processing and flowing water filing processing.
1.5 data clear module
Data clear module：Be responsible for according to user's requirement set in advance, will be deducted fees caused by user with week knot or
The mode of person's monthly closing entry is settled accounts to businessman；
Reference picture 9, illustrate the function of data clearance module：System for settling account, system for settling account are set in the data clearance module
According to receiving payment instruction time escrow and notify finance；Payment instruction include meet supplement agreement with money and/or withdraw deposit agreement and/
Or fill the instruction for moving back agreement.System for settling account according to receive clearance instruction carry out channel management, task scheduling, in real time processing and
File process, processing in real time include Net silver access, bank-corporate express and other bank's access ways, file process is by the file of clearance
Form document storage；Clearance instruction includes the capital settlement to user and the capital settlement to trade company, also has clearance data every time
The processing of filing.Each clearing of all users can all file into accounting system, and for trade company, platform will pass through accounting system
Information complete it is settled accounts.
1.6 security module
Security module：It is responsible for that protection is encrypted to transaction flow and user account data and Merchant Account data.
Settlement of transactions platform described in the present embodiment supports real-time, T+0, T+1 and T+n settle accounts calculation pattern, according to default
Trade company's rate, clearing form, charging regulation generation sorting clearance form, then complete actual fund by unified settle accounts calculation platform
Clearing, which are drawn, pays.
(2) GPRS data for the carrying non-contact card card number that merchant device is sent is received, it is specifically real as steps described below
It is existing：Data reception module receives the GPRS data for the carrying non-contact card card number that merchant device is sent, and from the GPRS data
Non-contact card card number, the unique sequence numbers and Transaction Information of merchant device are extracted, then by non-contact card card number, merchant device
Unique sequence numbers and Transaction Information be sent to the first inquiry determination module.
(3) the first inquiry determination module judges the legitimacy of non-contact card card number, is specially：Judge non-contact card
Whether card number is bound by some user account, if it is, the non-contact card card number is legal；If it is not, then by the non-contact card
The message that card number is not bound is sent to merchant device；
The first inquiry determination module judges the legitimacy of merchant device, is specially：Judge unique sequence of merchant device
Row number whether bind by the sub- settlement of transactions platform of the businessman corresponding to the merchant device, if it is, the merchant device is legal；If
It is no, then the illegal message of the merchant device is sent to merchant device.
(4) merchant device includes reading the card-reading apparatus of non-contact card card number.The merchant device is non-except built in be connect
Touch IC-card card-reading apparatus is outer, NFC reader and Third-party payment Quick Response Code.
(5) each user account at least binds a non-contact card, and user is logged in by the user APP on mobile terminal
The user account of the user on settlement of transactions platform, initiates binding instruction, and mobile terminal obtains non-contact card to be bound by NFC
Card number, and the card number of acquisition is tied under user account, completes the binding of user account and non-contact card.
(6) data reception module is also responsible for receiving user account by on-line payment mode to having non-contact card under its command
The load value data or the load value data of user to user account balance supplemented with money, and by whether the data feedback of successful recharging is to user
Account.
6.1 when user is traded using the fund that is stored in user account remaining sum, reference picture 4, user account, non-
Transaction flow between contact card and merchant device：
S11, the GPRS data for the carrying non-contact card card number that merchant device is sent to settlement of transactions platform；
S12, settlement of transactions platform obtain Transaction Information, carrying non-contact card card number a and merchant device in GPRS data
Unique sequence numbers, checking carry non-contact card card number a and merchant device unique sequence numbers it is legal after, Transaction Information is sent
To user account corresponding to non-contact card card number a；
S13, whether user is correct by user's account check Transaction Information, if correctly, it is determined that transaction；It is if wrong
By mistake, then refusal transaction；
S14, after settlement of transactions platform obtains the instruction that user account determines transaction, user account remaining sum is inquired about, if user
Account balance is less than or equal to 0, then does not allow to merchandise, it is impossible to which the message feedback being traded is to merchant device；If user account
Remaining sum is more than 0, then allows to merchandise, into S15；
S15, settlement of transactions platform deduct the turnover carried in the Transaction Information from user account remaining sum, complete to hand over
Easily.
Need to illustrate：User can be checked in the non-card number for connecing card by NFC and complete more cards and the binding of account, can be led to afterwards
The card for crossing these bindings carries out small-amount transaction, and user can carry out the setting of card authority on settlement of transactions platform, with
Anti-sticking is lost and card steals brush.As shown in figure 5, when user is traded, merchant device non-connects what is found according to training in rotation
Touch IC card numbers (or NFC information), issue settlement of transactions platform and carry out user authentication, certification will be sent out by settlement of transactions platform
Authorization message is sent to complete to merchandise to merchant device.The merchant device information sended over when settlement of transactions platform is according to transaction, enters
Charging clearance of the row to businessman.
By reading businessman's card number and Business Information to the merchant device of merchant issued, settlement of transactions platform.When user is led to
After crossing the consumption of settlement of transactions platform, money will be included in Merchant Account by settlement of transactions platform by adjusting module.
6.2 reference pictures 6, when corresponding remaining sum is entered under its affiliated sub- settlement of transactions platform of businessman using non-contact card card number
During row transaction, the transaction flow between settlement of transactions platform, non-contact card and merchant device is：
S21, the GPRS for the carrying non-contact card card number that merchant device is sent to settlement of transactions platform to settlement of transactions platform
Data；
S22, settlement of transactions platform obtain Transaction Information, carrying non-contact card card number a and merchant device in GPRS data
Unique sequence numbers, checking carry non-contact card card number a and merchant device unique sequence numbers it is legal after, inquire about and obtain described
Remaining sum corresponding to non-contact card card number A, if remaining sum is less than or equal to 0, it cannot merchandise, it is impossible to which the message being traded is anti-
Feed merchant device；If remaining sum is more than 0, the message that can be merchandised is sent to the sub- settlement of transactions platform of businessman, into S23；
S23, the sub- settlement of transactions platform of businessman directly deduct turnover from the remaining sum corresponding to non-contact card card number A, meanwhile,
The sub- settlement of transactions platform of the businessman successful message that will merchandise is sent to merchant device, completes transaction.
6.3 users supplement money with money in oneself account by settlement of transactions platform, meanwhile, can by oneself in life often
Using to card (such as：The stored value cards such as bank card, campus card, transportation card, purchase card) peaceful account family bound.
User is directly supplemented with money and settled accounts to various types of stored value cards bound in user by settlement of transactions platform.
User is inquired about consumption data in its account, and daily spending limit can be configured.
User account is supplemented with money by on-line payment mode to have that non-contact card supplements with money under its command, specifically real as steps described below
It is existing：
S31, the charging request for supplementing any one contactless card b with money is sent to settlement of transactions platform by user account,
Contactless card b is any one contactless card of user account binding；
S32, after the settlement of transactions platform validation legitimacy of the charging request, pass through on-line payment mode or user's account
Family remaining sum is supplemented with money to contactless card b.
By using above-mentioned technical proposal disclosed by the invention, following beneficial effect has been obtained：
Aggregate payment system of the present invention is intended to redefine internet+non-contact in a manner of more simple and fast is efficient
Formula card payment mode.To adapt to more allegro life style and operating efficiency, more businessmans and individual are made to benefit from it.It is individual
People is home-confined uniformly to be supplemented with money and is deducted fees to one's own various stored value cards with regard to realizing, and newborn businessman can also exempt from
Go hair fastener and its use software making.
Described above is only the preferred embodiment of the present invention, it is noted that for the ordinary skill people of the art
For member, under the premise without departing from the principles of the invention, some improvements and modifications can also be made, these improvements and modifications also should
Depending on protection scope of the present invention.
Claims (10)
- A kind of 1. aggregate payment system, it is characterised in that the aggregate payment system include settlement of transactions platform, merchant device and Installed in the user APP of user terminal；The merchant device, the user APP are connected with the settlement of transactions Platform communication respectively；The settlement of transactions platform includes：Data reception module：Receive the GPRS data for the carrying non-contact card card number that merchant device is sent；First inquiry determination module, judge the legitimacy of non-contact card card number and merchant device, judge that non-contact card card number is corresponding Mode of deducting fees；If deducted fees using the transaction of user account remaining sum, into the second inquiry determination module；If use businessman's The transaction of settlement of transactions platform is deducted fees, then into the 3rd inquiry determination module；Second inquiry determination module：Non-contact card card number owning user account balance is inquired about, and judges whether to deduct turnover；3rd inquiry determination module：Transfer and inquire about non-contact card card number corresponding under its affiliated sub- settlement of transactions platform of businessman Remaining sum, judge whether to deduct turnover；Data transmission blocks, by the legitimacy result of non-contact card card number, whether successful result is sent to merchant device for transaction, Whether successful result is sent to user APP for transaction.
- 2. aggregate payment system according to claim 1, it is characterised in that the settlement of transactions platform also includes：Registering modules：The user basic information registered user's account provided according to user, the user basic information include user Name, identification card number and phone number；The businessman's essential information registrar home's settlement of transactions platform provided according to businessman, often The sub- settlement of transactions platform of individual businessman binds multiple merchant devices, businessman's essential information include Merchant name, license number and The phone number of businessman director, the sub- settlement of transactions platform of businessman store each merchant device only during binding merchant device One sequence number, while the unique sequence numbers of each merchant device are sent to the storage of settlement of transactions platform；User account and businessman Account is unique；Login module：Settlement of transactions platform is logged in by the user APP on mobile terminal for user, passed through for merchant device The sub- settlement of transactions platform of businessman logs in settlement of transactions platform；Data clear module：It is responsible for according to user's requirement set in advance, will be deducted fees caused by user with week knot or the moon The mode of knot is settled accounts to businessman；Account management module：User APP shows transaction results to user, completes transaction, and payment result storage is arrived into database In；Adjust module：It is responsible for arranging any one user account or the All Activity record of merchant device, and generates user's account Family or the transaction record of the merchant device；Security module：It is responsible for that protection is encrypted to transaction flow and user account data and Merchant Account data.
- 3. aggregate payment system according to claim 1, it is characterised in that receive the carrying non-contact card that merchant device is sent The GPRS data of card number, is specifically realized as steps described below：It is non-contact that data reception module receives the carrying that merchant device is sent The GPRS data of card card number, and extract non-contact card card number, the unique sequence numbers of merchant device and friendship from the GPRS data Easy information, non-contact card card number, the unique sequence numbers of merchant device and Transaction Information are then sent to the first inquiry and judge mould Block.
- 4. aggregate payment system according to claim 2, it is characterised in that the first inquiry determination module judges non-contact The legitimacy of card card number, it is specially：Judge whether non-contact card card number is bound by some user account, if it is, this non-connects It is legal to touch card card number；If it is not, then the message that the non-contact card card number is not bound is sent to merchant device；The first inquiry determination module judges the legitimacy of merchant device, is specially：Judge the unique sequence numbers of merchant device Whether the sub- settlement of transactions platform of the businessman corresponding to the merchant device is bound, if it is, the merchant device is legal；If not, The illegal message of the merchant device is then sent to merchant device.
- 5. aggregate payment system according to claim 1, it is characterised in that the merchant device includes reading non-contact card card Number card-reading apparatus.
- 6. aggregate payment system according to claim 1, it is characterised in that each user account at least bind one it is non-contact Card, user log in the user account of the user on settlement of transactions platform by the user APP on mobile terminal, initiate binding and refer to Order, mobile terminal obtains the card number of non-contact card to be bound by NFC, and the card number of acquisition is tied under user account, complete Into the binding of user account and non-contact card.
- 7. aggregate payment system according to claim 1, it is characterised in that the data reception module is also responsible for receiving user Account supplements number with money by on-line payment mode to have load value data that non-contact card is supplemented with money or user to user account balance under its command According to, and by whether the data feedback of successful recharging is to user account.
- 8. aggregate payment system according to claim 7, it is characterised in that when user's use is stored in user account remaining sum Fund when being traded, the transaction flow between user account, non-contact card and merchant device is：S11, the GPRS data for the carrying non-contact card card number that merchant device is sent to settlement of transactions platform；S12, settlement of transactions platform obtain Transaction Information in GPRS data, carry non-contact card card number a and merchant device only One sequence number, after verifying that the unique sequence numbers for carrying non-contact card card number a and merchant device are legal, Transaction Information is sent to non- Contact user account corresponding to card card number a；S13, whether user is correct by user's account check Transaction Information, if correctly, it is determined that transaction；If mistake, Refusal transaction；S14, after settlement of transactions platform obtains the instruction that user account determines transaction, user account remaining sum is inquired about, if user account Remaining sum is less than or equal to 0, then does not allow to merchandise, it is impossible to which the message feedback being traded is to merchant device；If user account remaining sum More than 0, then allow to merchandise, into S15；S15, settlement of transactions platform deduct the turnover carried in the Transaction Information from user account remaining sum, complete transaction.
- 9. aggregate payment system according to claim 7, it is characterised in that when use non-contact card card number is in its affiliated businessman When corresponding remaining sum is traded under sub- settlement of transactions platform, the friendship between settlement of transactions platform, non-contact card and merchant device Easy flow is：S21, the GPRS data for the carrying non-contact card card number that merchant device is sent to settlement of transactions platform to settlement of transactions platform；S22, settlement of transactions platform obtain Transaction Information in GPRS data, carry non-contact card card number a and merchant device only One sequence number, checking carry non-contact card card number a and merchant device unique sequence numbers it is legal after, inquire about and obtain described non-connect Touch the remaining sum corresponding to card card number A, if remaining sum is less than or equal to 0, cannot merchandise, it is impossible to the message feedback being traded to Merchant device；If remaining sum is more than 0, the message that can be merchandised is sent to the sub- settlement of transactions platform of businessman, into S23；S23, the sub- settlement of transactions platform of businessman directly deduct turnover from the remaining sum corresponding to non-contact card card number A, meanwhile, businessman The sub- settlement of transactions platform successful message that will merchandise is sent to merchant device, completes transaction.
- 10. aggregate payment system according to claim 7, it is characterised in that user account is by on-line payment mode under What linchpin non-contact card was supplemented with money supplements with money, specifically realizes as steps described below：S31, the charging request for supplementing any one contactless card b with money is sent to settlement of transactions platform by user account, it is non-to connect Touch card b is any one contactless card of user account binding；S32, after the settlement of transactions platform validation legitimacy of the charging request, more than on-line payment mode or the user account Volume is supplemented with money to contactless card b.
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| CN201711163983.0A CN107808287A (en) | 2017-11-21 | 2017-11-21 | A kind of aggregate payment system |
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| CN201711163983.0A CN107808287A (en) | 2017-11-21 | 2017-11-21 | A kind of aggregate payment system |
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