CN107025558A - A kind of transaction system and transaction processing method - Google Patents
A kind of transaction system and transaction processing method Download PDFInfo
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- CN107025558A CN107025558A CN201610638804.3A CN201610638804A CN107025558A CN 107025558 A CN107025558 A CN 107025558A CN 201610638804 A CN201610638804 A CN 201610638804A CN 107025558 A CN107025558 A CN 107025558A
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- G—PHYSICS
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- 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
- G06Q30/00—Commerce
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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
- G06Q20/387—Payment using discounts or coupons
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Abstract
A kind of transaction system and transaction processing method, the transaction system include：Terminal and trading server；Wherein：The terminal is suitable to receive or generation Transaction Information, identity information and rights and interests channel information；The trading server is suitable to inquire about benefits information storehouse according to the rights and interests channel information and the identity information, and to generate actual delivery information, the actual delivery information is sent to the terminal.The transaction system and transaction processing method can improve trading efficiency.
Description
Patent Office of the People's Republic of China, Application No. 201610069317.X, invention name were submitted this application claims on 01 29th, 2016
A kind of referred to as priority of the Chinese patent application of " transaction system and transaction processing method ", entire contents are incorporated by reference
In this application.
Technical field
The present invention relates to internet arena, more particularly to a kind of transaction system and transaction processing method.
Background technology
With the development of network technology, increasing service is provided by network, and increasing behavior can pass through
Network is completed, for example inquired about, preengage by network, bought etc..
But, the increasing main body due to network connection such as merchant platform, the preferential platform of third party, also can
Cause network trading less efficient.
The content of the invention
Present invention solves the technical problem that being the efficiency for improving transaction system.
In order to solve the above technical problems, the embodiment of the present invention provides a kind of transaction system, including：Terminal and transactional services
Device；Wherein：
The terminal is suitable to receive or generation Transaction Information, identity information and rights and interests channel information；
The trading server is suitable to inquire about benefits information storehouse according to the rights and interests channel information and the identity information,
To generate actual delivery information, the actual delivery information is sent to the terminal.
Optionally, the trading server includes：
First searching unit, suitable for being determined according to the rights and interests channel information in the benefits information storehouse by the rights and interests
The benefits information word bank that channel information is pointed to；
Second searching unit, according to the identity information, inquiry and the identity information in the benefits information word bank
The benefits information of association；
Computing unit, according to the Transaction Information and benefits information, calculating obtains the actual delivery information；
Communication unit, the actual delivery information is sent to the terminal.
Optionally, second searching unit includes：
Type determination unit, determines to index the type of identity information in the benefits information word bank；
Conversion subunit, the identity information is converted to and matches identity with the type identical of the index identity information
Information；
Subelement is inquired about, the benefits information word bank is inquired about according to the matching identity information, believed with obtaining the rights and interests
Breath.
Optionally, the trading server also includes：
Record generation unit, for generating transaction record, the transaction record includes the mark and the power of the terminal
Beneficial channel information.
Optionally, the benefits information word bank is located at long-range rights and interests channel server.
Optionally, the benefits information storehouse is local benefits information storehouse.
Optionally, the trading server timing is to long-range rights and interests channel server lookup, to update the benefits information
Storehouse.
Optionally, the benefits information includes discount information and/or accumulated point exchanging information.
Optionally, the Transaction Information includes transaction total amount information and rights and interests amount information.
Optionally, the terminal determines the identity information by recognizing user's tag card.
Optionally, the identity information includes following at least one：Bank's card number, member's card number, for apple pay
Identification information, the identification information paid for Huawei, the identification information paid for Samsung, user's physiological mark data.
Optionally, user's tag card is bank card and/or member card.
The embodiment of the present invention also provides a kind of transaction processing method, including：
Terminal is suitable to receive or generation Transaction Information, identity information and rights and interests channel information；
According to the rights and interests channel information and identity information inquiry benefits information storehouse, to generate actual delivery letter
Breath, the actual delivery information is sent to the terminal.
Optionally, it is described to inquire about benefits information storehouse according to the rights and interests channel information and the identity information, to generate reality
Border payment information includes：
The power for determining to be pointed to by the rights and interests channel information in the benefits information storehouse according to the rights and interests channel information
Beneficial information word bank；
According to the identity information, the rights and interests letter associated with the identity information is inquired about in the benefits information word bank
Breath；
According to the Transaction Information and benefits information, calculating obtains the actual delivery information.
Optionally, described according to the identity information, inquiry is closed with the identity information in the benefits information word bank
The benefits information of connection includes：
Determine the type of index identity information in the benefits information word bank；
The identity information is converted to and matches identity information with the type identical of the index identity information；
The benefits information word bank is inquired about according to the matching identity information, to obtain the benefits information.
Optionally, the transaction processing method also includes：Transaction record is generated, the transaction record includes the terminal
Mark and the rights and interests channel information.
Optionally, the benefits information includes discount information and/or accumulated point exchanging information.
Optionally, the Transaction Information includes transaction total amount information and rights and interests amount information.
Optionally, the identity information includes following at least one：Bank's card number, member's card number, for apple pay
Identification information, the identification information paid for Huawei, the identification information paid for Samsung, user's physiological mark data.
Compared with prior art, the technical scheme of the embodiment of the present invention has the advantages that：
Transaction Information, identity information and rights and interests channel information are received by terminal, by trading server according to rights and interests canal
Road information and identity information inquiry benefits information storehouse, generate payment information, and send actual delivery information to terminal.Utilize friendship
Easy server is collected and calculated information different subjects, and final unification sends payment information to terminal, can reduce
Multiple intersubjective platform differences, answer the processing different with identity information progress of rights and interests channel information without terminal-pair, are terminal
Unified interface is provided, simplifies terminal operation, so as to improve the efficiency of transaction system.
Brief description of the drawings
Fig. 1 is a kind of structural representation of transaction system in the embodiment of the present invention；
Fig. 2 is a kind of structural representation of trading server in the embodiment of the present invention；
Fig. 3 is a kind of flow chart of transaction processing method in the embodiment of the present invention；
Fig. 4 is a kind of flow chart of specific implementation of step S32 in embodiment as shown in Figure 3.
Embodiment
As it was previously stated, with the development of network technology, increasing service is provided by network, increasing behavior
It can be completed by network, for example inquired about, preengage by network, bought etc..But, also just because of network connection
Increasing main body, substantial amounts of information can also bring puzzlement to the network user, and then cause network trading less efficient.
Study and find through inventor, multiple businessmans and preferential platform, different businessmans are often related in process of exchange
And preferential platform is respectively provided with respective member's system, in transaction, consumer is needed to generally require to log on different businessmans or excellent
The preferential activity of favour platform inquiry is simultaneously paid, and causes larger inconvenience.And after payment is finished, consumed in entity StoreFront
When, also need to carry out the verification of payment information again, to be confirmed.Because process of exchange is related to multiple systems, across purchase and
Multiple periods are consumed, trading efficiency are caused relatively low.
In embodiments of the present invention, Transaction Information, identity information and rights and interests channel information are received by terminal, by merchandising
Server inquires about benefits information storehouse according to rights and interests channel information and identity information, generates payment information, and send real to terminal
Border payment information.Information different subjects is collected and calculated using trading server, payment information is sent out in final unification
Terminal is delivered to, multiple intersubjective platform differences can be reduced, answers rights and interests channel information and identity information to carry out without terminal-pair
Different processing, unified interface is provided for terminal, simplifies terminal operation, so as to improve the efficiency of transaction system.
It is understandable to enable above-mentioned purpose, feature and beneficial effect of the invention to become apparent, below in conjunction with the accompanying drawings to this
The specific embodiment of invention is described in detail.
Fig. 1 is a kind of structural representation of transaction system in the embodiment of the present invention.
Transaction system can include terminal 11 and trading server 12.Although only showing a terminal 11 in figure, transaction
Server 12 can be connected to multiple terminals 11, receive the information for carrying out self terminal 11.
Terminal 11 is suitable to receive Transaction Information, identity information and rights and interests channel information.
Transaction Information corresponds to the information of particular transactions content, for example, can include transaction total amount information and rights and interests gold
Volume information.Rights and interests amount information can be the amount of money that can be enjoyed privileges, can be according to the setting meter of the businessman where terminal 11
Calculate.For example when terminal 11 is the terminal of catering industry, businessman is set as that drinks do not participate in preferential activity, and now the rights and interests amount of money is believed
Cease and subtract drinks spending amount for consumption total amount.Transaction total amount information and rights and interests amount information can be given birth to by terminal 11
Into, or received by terminal 11.
Identity information is the identification mark corresponding to user：Can be passport NO., cell-phone number, bank's card number, meeting
Member's card number, the identification information paid for apple, the identification information paid for Huawei, the identification information etc. paid for Samsung
Mark；It can also be the physiological identification data such as fingerprint, vocal print, face feature information of user, utilize user's physiological mark
Data are known as identity information, while also having higher security.
Terminal 11 can obtain identity information in several ways, for example can be by way of directly inputting, scanning
The mode of identification card is obtained by intermediary of the smart machine of user.
In an embodiment of the present invention, the identity information of user is obtained by intermediary of the smart machine of user, for example can be with
Obtained by the smart mobile phone of user.
Specifically, can be by the mode of (Near Field Communication, NFC), or magnetic force can be passed through
Secure transmission technique (Magnetic Secure Transmission, MST) obtains user identity letter from the smart machine of user
Breath；Identity information can be the identification information of third party's generation, can be used to apple pay (Apple Pay), Huawei's payment
(Huawei Pay), Samsung pay the identification information (such as the identification number for identifying user) of (Samsung Pay).
For example：Apple is paid and Huawei pays and utilizes NFC technique；In the application scenarios that apple is paid or Huawei pays
In, terminal 11 by NFC technique obtain user's smart mobile phone in as identity information identification information, the identification information generally with
Bank Account Number binding is for payment.
In another example, Samsung pays the transmission that data are carried out by MST, and in the application scenarios that Samsung is paid, terminal 11 can
To obtain identity information from the Samsung smart machine of user by MST.
When existing mobile operator is paid, often also need to carry out security verification, for example, need in fingerprint authentication
After success, it can just send identity information to be paid；If can be with it is envisioned that with reference to the embodiment of the present invention, using user
Physiological mark data can then omit the process of security verification as identity information, improve payment efficiency.
In an alternative embodiment of the invention, terminal 11 determines the identity information by recognizing user's tag card.User
Tag card can be bank card and/or member card, and correspondingly, the identity information can be bank corresponding with user's tag card
Card number or member's card number.
In an alternative embodiment of the invention, user face, application on voiceprint recognition equipment can also be scanned by face recognition device
User voice is recognized, iris identification equipment scans the modes such as user's eye to determine the identity information of user.Above-mentioned face recognition
Equipment, application on voiceprint recognition equipment, iris identification equipment can be special equipment, or can also be located in cash receiving terminal, for example
In POS.
In specific implementation, transaction system can associate all identity informations of the same user of correspondence, can also be to should
All identity informations of user generate the ID of transaction system, in order to user's identification and user management.
Rights and interests channel information characterize user expect or the channel of rights and interests can be enjoyed, can be directed to businessman's member system or
Point to the information of some preferential platform.
Trading server 12 is suitable to inquire about benefits information storehouse according to the rights and interests channel information and the identity information, with
Actual delivery information is generated, the actual delivery information is sent to the terminal 11.
Expect to enjoy the channel of rights and interests because rights and interests channel information characterizes user, different rights and interests channel informations can be pointed to
Different benefits information storehouses, the benefits information storehouse is inquired about with reference to identity information, and trading server 12 can determine that the user can
With the preferential of enjoyment, so as to generate actual delivery information.
Fig. 2 is a kind of structural representation of trading server in the embodiment of the present invention.
Trading server 12 can include：First searching unit 21, suitable for according to the rights and interests channel information in the power
The benefits information word bank pointed to by the rights and interests channel information is determined in beneficial information bank；Second searching unit 22, according to the body
Part information, inquires about the benefits information associated with the identity information in the benefits information word bank；Computing unit 23, according to institute
Transaction Information and benefits information are stated, calculating obtains the actual delivery information；Communication unit 24, the actual delivery information is sent out
Deliver to the terminal.
In specific implementation, the benefits information can include discount information and/or accumulated point exchanging information.
With continued reference to Fig. 1, in specific implementation, transaction system can also include long-range rights and interests channel server 13.Though Fig. 1
In a long-range rights and interests channel server 13 is only shown, but trading server 12 can be with multiple long-range rights and interests channel servers 13
It is connected.
Long-range rights and interests channel server 13 can be the server of businessman, or preferential Platform Server, be, for example, each
Plant the server or bank server for the activity of purchasing by group.
Different benefits information word banks can be located in different long-range rights and interests channel servers 13, be believed by rights and interests channel
Breath, the position of corresponding benefits information word bank is determined by the first searching unit 21.
When benefits information word bank is located at long-range rights and interests channel server 13, computing unit 23 calculate actual delivery information it
Before, it can be searched by 22 pairs of benefits informations associated with the identity information of the second searching unit, real-time is stronger, can be with
Ensure the accuracy of actual delivery information.
In specific implementation, benefits information storehouse can be local benefits information storehouse.Actual delivery is calculated in computing unit 23
Before information, real-time searching is carried out by 22 pairs of benefits informations associated with the identity information of the second searching unit, to network
Dependence it is higher.When network communication quality is poor, it may be difficult to complete the calculating of actual delivery information in time, handed over to improve
The efficiency of easy system, and take into account network condition it is poor when customer experience, can be locally located comprising multiple benefits informations
The local benefits information storehouse in storehouse.
In another specific implementation, trading server 12 can be inquired about in timing to long-range rights and interests channel server 13,
Exactly inquired about to long-range rights and interests channel server 13 specific at the time of, to update local benefits information storehouse.For example, it can be set to
Fixed time interval, is inquired about to long-range rights and interests channel server 13；Can also according to the operation conditions of trading server 12,
When the task of trading server 12 is less, inquired about to long-range rights and interests channel server 13；Or according to network environment, when suitable
Carve and inquired about to long-range rights and interests channel server 13, to update local benefits information storehouse.
By updating local benefits information storehouse, it can be lifted in local benefits information storehouse and long-range rights and interests channel server 13
The synchronism of information, and then lifting calculates the accuracy of actual delivery information while trading efficiency is lifted.
In an alternative embodiment of the invention, local benefits information storehouse is both included in transaction system, also comprising positioned at long-range power
The benefits information word bank of beneficial channel server 13, can carry out setting the benefits information that the second searching unit 22 is used as needed
Word bank.For example, can be set according to network communication quality：When network quality is preferable, preferential inquiry is located at long-range rights and interests canal
The benefits information word bank of road server 13；When network quality is poor, local benefits information storehouse is preferentially inquired about.
Benefits information refers to that user can produce the information of influence in transaction on final actual delivery information, such
Influence can be discount, deduction etc..In specific implementation, benefits information can include discount information and/or accumulated point exchanging information.
Benefits information can be set by long-range rights and interests channel server 13, for example：Businessman can pass through long-range rights and interests channel server
13 settings correspond to the merchandise discount of different members, or setting accumulated point exchanging rule；Bank can also pass through long-range rights and interests channel
The setting member accumulated point exchanging rule of server 13；Preferential platform again may be by the long-range setting of rights and interests channel server 13 discount
Or other preferential rules.
Second searching unit 22 can be by inquiring about the benefits information associated with identity information；Computing unit 23 can basis
The Transaction Information and benefits information, calculating obtain the actual delivery information.For example, when identity information is member's card number,
Second searching unit 22 is inquired to should member card number by searching the benefits information word bank that is pointed to by rights and interests channel information
Benefits information be five foldings, then computing unit 23 the rights and interests amount of money of enjoying in Transaction Information is folded into capable calculating according to five, obtain
To actual delivery information.
In an embodiment of the present invention, second searching unit 22 can include：Type determination unit, it is determined that described
The type of identity information is indexed in benefits information word bank；Conversion subunit, the identity information is converted to and the index body
The type identical matching identity information of part information；Subelement is inquired about, the rights and interests are inquired about according to the matching identity information and believed
Word bank is ceased, to obtain the benefits information.
It is understood that trading server 12 can associate all identity informations of the same user of correspondence, identity is generated
Information bank, can associate all identity informations of the user ID used to transaction system, in order to user's identification
And user management.Therefore when the identity information that terminal 11 is obtained is mismatched with the identity information type in benefits information storehouse as index
When, the identity information type that trading server 12 can be required according to benefits information storehouse, inquiry identity information storehouse, if identity information
The matching identity information of the type comprising the same user of correspondence in storehouse, then entered using the matching identity information to benefits information storehouse
Row retrieval, to obtain the benefits information.
For example, when the identity information that terminal 11 is received is bank's card number, and corresponding benefits information storehouse is with member's card number
For index, now the inquiry identity information of trading server 12 storehouse, sees if there is the member card number associated with bank's card number, if
In the presence of the member card number associated with bank's card number, then the retrieval in benefits information storehouse is carried out with member's card number, to be weighed
Beneficial information.
By setting identity information storehouse, the various identity informations of the same user of association correspondence, choosing in trading server 12
The identity information of the type matching with indexing identity information in the benefits information storehouse is taken to be retrieved, it is possible to reduce to merchandise
Manual intervention in journey, improves the efficiency of transaction system.
In specific implementation, the trading server 12 also includes：Record generation unit (not shown), for generating transaction
Record, mark of the transaction record comprising the terminal 11 and the rights and interests channel information.
Transaction record is generated by record generation unit, follow-up data analysis and process can be caused to have definite foundation.
Due to existing transaction system, such as, comprising the transaction system including preferential platform, pay the mistake consumed with entity
Journey is separation, it is impossible to which statistics entity is consumed well time and the amount of money, are that subsequent data analysis and processing are brought greatly
Inconvenience.
In the embodiment of the present invention, payment information is generated by trading server 12, the time of entity consumption can be clearly known
And the amount of money, recorded by recording unit, generate transaction record, can be provided for follow-up data analysis and process foundation with
Evidence.It can for example be analyzed for the big data of the user behavior subsequently carried out, or businessman, preferential platform are entered based on transaction record
Capable follow-up clearing behavior provides foundation.
The embodiment of the present invention receives Transaction Information, identity information and rights and interests channel information by terminal, by transactional services
Device inquires about benefits information storehouse according to rights and interests channel information and identity information, generates payment information, and send actual branch to terminal
Pay information.Information different subjects is collected and calculated using trading server, it is final unified by payment information send to
Terminal, can reduce multiple intersubjective platform differences, answer rights and interests channel information different with identity information progress without terminal-pair
Processing, unified interface is provided for terminal, simplifies terminal operation, so as to improve the efficiency of transaction system.
The embodiment of the present invention also provides a kind of transaction processing method, and its flow chart is referring to Fig. 3.
In step S31, terminal is received or generation Transaction Information, identity information and rights and interests channel information.
In specific implementation, the Transaction Information can include transaction total amount information and rights and interests amount information.
In specific implementation, the identity information can include following at least one：Bank's card number, member's card number, it is used for
The identification information of apple payment, the identification information paid for Huawei, the identification information paid for Samsung, user's physiological mark
Know data.
In step s 32, benefits information storehouse is inquired about according to the rights and interests channel information and the identity information, to generate
Actual delivery information, the actual delivery information is sent to the terminal.
Referring to Fig. 4, in specific implementation, step S32 can include：
Step S321, is determined by the rights and interests channel information according to the rights and interests channel information in the benefits information storehouse
The benefits information word bank of sensing.
Step S322, according to the identity information, inquires about in the benefits information word bank and is associated with the identity information
Benefits information.
In specific implementation, step S322 can include：Determine the class of index identity information in the benefits information word bank
Type；The identity information is converted to and matches identity information with the type identical of the index identity information；According to described
The benefits information word bank is inquired about with identity information, to obtain the benefits information.
Step S323, according to the Transaction Information and benefits information, calculating obtains the actual delivery information.
With continued reference to Fig. 3, the transaction processing method can also include：
Step S33, generates transaction record, mark of the transaction record comprising the terminal and rights and interests channel letter
Breath.
The specific implementation of transaction processing method is referred to described in transaction system, repeat no more in the embodiment of the present invention.
One of ordinary skill in the art will appreciate that all or part of step in the various methods of above-described embodiment is can
To instruct the hardware of correlation to complete by program, the program can be stored in a computer-readable recording medium, storage
Medium can include：ROM, RAM, disk or CD etc..
Although present disclosure is as above, the present invention is not limited to this.Any those skilled in the art, are not departing from this
In the spirit and scope of invention, it can make various changes or modifications, therefore protection scope of the present invention should be with claim institute
The scope of restriction is defined.
Claims (19)
1. a kind of transaction system, it is characterised in that including：Terminal and trading server；Wherein：
The terminal is suitable to receive or generation Transaction Information, identity information and rights and interests channel information；
The trading server is suitable to inquire about benefits information storehouse according to the rights and interests channel information and the identity information, with life
Into actual delivery information, the actual delivery information is sent to the terminal.
2. transaction system according to claim 1, it is characterised in that the trading server includes：
First searching unit, suitable for being determined according to the rights and interests channel information in the benefits information storehouse by the rights and interests channel
The benefits information word bank that information is pointed to；
Second searching unit, according to the identity information, inquires about in the benefits information word bank and is associated with the identity information
Benefits information；
Computing unit, according to the Transaction Information and benefits information, calculating obtains the actual delivery information；
Communication unit, the actual delivery information is sent to the terminal.
3. transaction system according to claim 2, it is characterised in that second searching unit includes：
Type determination unit, determines to index the type of identity information in the benefits information word bank；
Conversion subunit, the identity information is converted to and matches identity letter with the type identical of the index identity information
Breath；
Subelement is inquired about, the benefits information word bank is inquired about according to the matching identity information, to obtain the benefits information.
4. transaction system according to claim 2, it is characterised in that the trading server also includes：
Record generation unit, for generating transaction record, mark of the transaction record comprising the terminal and the rights and interests canal
Road information.
5. transaction system according to claim 2, it is characterised in that the benefits information word bank is located at long-range rights and interests channel
Server.
6. transaction system according to claim 2, it is characterised in that the benefits information storehouse is local benefits information storehouse.
7. transaction system according to claim 6, it is characterised in that the trading server is regularly to long-range rights and interests channel
Server lookup, to update the benefits information storehouse.
8. transaction system according to claim 1, it is characterised in that the benefits information includes discount information and/or product
Divide redemption information.
9. transaction system according to claim 1, it is characterised in that the Transaction Information include transaction total amount information and
Rights and interests amount information.
10. transaction system according to claim 1, it is characterised in that the terminal is by recognizing user's tag card come really
The fixed identity information.
11. transaction system according to claim 10, it is characterised in that the identity information includes following at least one：
Bank's card number, member's card number, for apple pay identification information, for Huawei pay identification information, for Samsung pay
Identification information, user's physiological mark data.
12. transaction system according to claim 10, it is characterised in that user's tag card is bank card and/or meeting
Member's card.
13. a kind of transaction processing method, is characterised by, including：
Terminal is received or generation Transaction Information, identity information and rights and interests channel information；
According to the rights and interests channel information and identity information inquiry benefits information storehouse, to generate actual delivery information, to
The terminal sends the actual delivery information.
14. transaction processing method according to claim 13, it is characterised in that it is described according to the rights and interests channel information and
The identity information inquiry benefits information storehouse, is included with generating actual delivery information：
The rights and interests letter for determining to be pointed to by the rights and interests channel information in the benefits information storehouse according to the rights and interests channel information
Cease word bank；
According to the identity information, the benefits information associated with the identity information is inquired about in the benefits information word bank；
According to the Transaction Information and benefits information, calculating obtains the actual delivery information.
15. transaction processing method according to claim 14, it is characterised in that described according to the identity information, in institute
Stating the benefits information that inquiry is associated with the identity information in benefits information word bank includes：
Determine the type of index identity information in the benefits information word bank；
The identity information is converted to and matches identity information with the type identical of the index identity information；
The benefits information word bank is inquired about according to the matching identity information, to obtain the benefits information.
16. transaction processing method according to claim 14, it is characterised in that also include：Generate transaction record, the friendship
Easily record includes the mark and the rights and interests channel information of the terminal.
17. transaction processing method according to claim 13, it is characterised in that the benefits information includes discount information
And/or accumulated point exchanging information.
18. transaction processing method according to claim 13, it is characterised in that the Transaction Information includes transaction total amount
Information and rights and interests amount information.
19. transaction processing method according to claim 13, it is characterised in that the identity information includes following at least one
Kind：Bank's card number, member's card number, for apple pay identification information, for Huawei pay identification information, for three prongs
Pay identification information, user's physiological mark data.
Applications Claiming Priority (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610069317X | 2016-01-29 | ||
| CN201610069317 | 2016-01-29 |
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| CN107025558A true CN107025558A (en) | 2017-08-08 |
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| CN201610638804.3A Pending CN107025558A (en) | 2016-01-29 | 2016-08-05 | A kind of transaction system and transaction processing method |
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| CN108520404A (en) * | 2018-03-10 | 2018-09-11 | 北京酷我科技有限公司 | A kind of paying centres iOS strategy |
| CN112862494A (en) * | 2021-01-29 | 2021-05-28 | 上海商汤临港智能科技有限公司 | Transaction method, device, equipment and storage medium based on face authentication |
| CN114819978A (en) * | 2022-05-17 | 2022-07-29 | 支付宝(杭州)信息技术有限公司 | Payment service processing method and device |
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