CN109360066B - B2C electronic commerce system based on internet - Google Patents
B2C electronic commerce system based on internet Download PDFInfo
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- CN109360066B CN109360066B CN201811252253.2A CN201811252253A CN109360066B CN 109360066 B CN109360066 B CN 109360066B CN 201811252253 A CN201811252253 A CN 201811252253A CN 109360066 B CN109360066 B CN 109360066B
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/308—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using the Internet of Things
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Abstract
The invention relates to an Internet-based B2C e-commerce system which comprises an online merchant, an intelligent interaction device and a payment processing platform. The payment processing platform comprises a transaction server, an acquiring bank and a payment bank. The intelligent interaction device is provided with an intelligent Internet of things gateway and an Internet of things monitoring device, and is used for placing orders to online merchants through a network, sending payment request information to the payment processing platform, receiving and storing goods, analyzing and generating settlement triggering information and sending the settlement triggering information to the payment processing platform. The payment processing platform is configured to receive and process the payment request information, and the transaction server suspends processing of clearing messages sent by the acquiring bank according to the delayed payment rule; and if the corresponding settlement triggering information is received, indicating the acquiring bank to finish the order fund settlement. The invention improves the fund utilization efficiency, can automatically stop payment when the order commodity does not arrive as expected, and can be widely applied to consumption scenes such as unmanned supermarket goods supply and the like.
Description
Technical Field
The invention relates to the field of Internet e-commerce, in particular to an Internet-based B2C e-commerce system.
Background
With the development of society, electronic commerce gradually plays a greater role in economy in China, brings economic benefits, and changes the consumption habits and economic structures of people.
Electronic payment is information transmission completed through digital circulation on a certain technical basis, and in brief, various payment modes of the electronic payment are performed in a digital mode, which is obviously different from the mode of payment through solid money by cash circulation, bill transfer or bank collection and the like in the traditional payment mode.
At this stage, the environment where e-commerce payment occurs is mostly in the internet or a relatively open network environment, which brings about a corresponding security problem. In addition, a good credit mechanism is necessary for long-term stable development, but at present, no complete credit system is established in enterprises and individuals in China.
Based on the security and credit considerations, the following methods mainly exist for payment in e-commerce at present:
1. the payment is made using the third party payment platform as a credit broker. After the consumer purchases the commodity through the network, the fund corresponding to the order is paid to a third party payment platform (such as a payment treasure), and after the receipt is confirmed, the payment platform pays the fund of the order to the merchant. The technical scheme has the defect that the funds of the user can be deposited on a third-party platform for a period of time, so that the funds can not be effectively utilized. For the merchant, even after the user receives the goods, if the user does not confirm the payment in time or forgets the confirmation, the time delay of collection is caused, and the fund turnover efficiency is reduced.
2. For some B2C consumption scenarios, a payment card transaction is employed. Payment card transactions may process successful transactions for which all interested parties fulfill their respective obligations. Merchants are provided with quick authorization by their financial institutions (acquirers) to offer goods to customers, with funds transfers between accounts arranged and conducted during the following days between financial institutions. In this case, the processing of funds between financial institutions is independent of the actual transfer of goods, requiring human intervention to prevent payment or reverse payment if the order does not arrive as expected. This requires the participation of many people, and places unnecessary burden on the relevant personnel and financial institutions.
Therefore, in order to enhance the utilization efficiency of funds in the consumption scene of B2C e-commerce, such as the supply of goods in an unmanned supermarket and the ordering of goods such as milk in a smart community, it is necessary to automatically stop payment when an order commodity does not arrive as expected, so that the transfer of the order funds is matched with the actual arrival situation of the order commodity.
Disclosure of Invention
Aiming at the defects of the prior art, the invention provides an Internet-based B2C electronic commerce system, which comprises an online merchant, an intelligent interaction device and a payment processing platform, wherein the payment processing platform comprises a transaction server, an acquiring bank associated with the merchant and a payment bank associated with a user;
the intelligent interaction device is provided with an intelligent Internet of things gateway and an Internet of things monitoring device, and is used for placing orders to online merchants through a network, sending payment request information to the payment processing platform, receiving the stored goods and detecting the characteristic information of the goods through the Internet of things monitoring device, then comparing the characteristic information of the goods with the goods data in the orders to generate settlement trigger information and sending the settlement trigger information to the payment processing platform to complete order payment; the payment request information comprises a payment amount, a token primary account number of a user and an identifier of the monitoring equipment of the Internet of things;
the online merchant is used for providing commodity information, authorizing the payment request information, confirming the order and providing commodity data contained in the order;
the payment processing platform is configured to receive and process payment request information, map a token primary account number of a user into a real primary account number and identify a delayed payment rule contained in the token primary account number, and the transaction server suspends processing of clearing messages sent by an acquiring bank according to the delayed payment rule; if the settlement triggering information sent by the corresponding intelligent interaction equipment is received within the preset logistics time of the order, the acquiring bank is instructed to complete the order fund settlement; if the settlement triggering information sent by the corresponding intelligent interaction equipment is not received when the preset logistics time of the order is due, closing the clearing process and sending a settlement error message to the online merchant and the intelligent interaction equipment.
According to a preferred embodiment, the types of the intelligent interaction equipment comprise an intelligent shelf, an intelligent refrigerator and an intelligent logistics cabinet, the internet of things monitoring equipment is used for monitoring the characteristic information of the goods in the intelligent interaction equipment, and the characteristic information of the goods in the intelligent interaction equipment comprises the type, the number, the specification, the bar code and the RFID label information of the goods in the goods.
According to a preferred embodiment, the intelligent internet of things gateway is used for optimizing and forwarding data sent by internet of things monitoring equipment; and the intelligent Internet of things gateway prioritizes the data streams according to the data types and the data contents, and then transmits the data higher than the preset priority to the processing unit of the intelligent interaction equipment.
According to a preferred embodiment, the intelligent internet of things gateway analyzes video data collected from a camera in the internet of things monitoring device to determine whether image content has changed from time T1 to time T2;
the intelligent internet of things gateway adopts a rule engine containing rules, and if the image content of the camera at the time T2 is the same as the image content of the camera at the time T1, the video data at the time T1 is given a sub-priority; data that has been identified as sub-optimal is omitted or reduced in resolution for transmission.
According to a preferred embodiment, after receiving the commodity, the monitoring equipment of the internet of things shoots the commodity and transmits the picture to the memory of the intelligent interaction equipment for storage. Therefore, the quantity and the specification of the commodities can be verified through the characteristic information of the commodities arriving, the outer package conditions of the commodities when the commodities arrive can be stored, and the photo information when the commodities arrive can be called when the outer package is damaged due to subsequent logistics delivery, so that the merchant and the user can check and negotiate conveniently.
The invention has the following beneficial effects:
the invention can automatically verify whether the quantity and specification of the goods are consistent with the order information or not, and can also store the photo information when the goods are delivered. In addition, the order fund can not be occupied by the third-party payment platform, and the time delay of collection caused by untimely receiving confirmation is avoided, so that the utilization efficiency of the user fund is higher, and the merchant can collect the fund in time. The invention can match the transfer of order capital with the actual arrival situation of order commodities, can automatically stop payment when the order commodities do not arrive according to expectation, and can be widely applied to B2C consumption scenes such as supply of unmanned supermarkets, commodity ordering of intelligent communities and the like.
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FIG. 1 illustrates a block diagram of the B2C e-commerce system of the present invention;
fig. 2 shows a flow chart of the operation of the transaction server of the payment processing platform of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the present invention more apparent, the present invention will be described in further detail with reference to the accompanying drawings in conjunction with the following detailed description. It should be understood that the description is intended to be exemplary only, and is not intended to limit the scope of the present invention. Moreover, in the following description, descriptions of well-known structures and techniques are omitted so as to not unnecessarily obscure the concepts of the present invention.
As shown in fig. 1, the internet-based B2C e-commerce system of the present invention includes an online merchant, an intelligent interaction device, and a payment processing platform.
The intelligent interaction device is provided with an intelligent Internet of things gateway and an Internet of things monitoring device, the intelligent interaction device is used for placing orders to online merchants through a network, and after the online merchants confirm the orders, the intelligent interaction device sends payment request information to the payment processing platform. It should be noted that, the monitoring device of the internet of things and the gateway of the intelligent internet of things are usually physically and conceptually disposed inside the intelligent interaction device. The pairing relationship between the internet of things monitoring device, the intelligent internet of things gateway and the intelligent interaction device is usually paired when the device is initialized, and is stored in a memory of the intelligent interaction device.
The types of intelligent interaction equipment comprise an intelligent shelf with a storage space, an intelligent refrigerator and an intelligent logistics cabinet. The internet of things monitoring equipment is used for monitoring the characteristic information of the goods in the intelligent interaction equipment (namely in the storage space of the intelligent interaction equipment), then comparing the characteristic information of the goods in the intelligent interaction equipment with the goods data in the order to generate settlement triggering information and sending the settlement triggering information to the payment processing platform to complete order payment. The payment request information includes a payment amount, a token primary account number of the user, and an identifier of the internet of things monitoring device. The characteristic information of the incoming commodity includes the kind, number, specification, barcode, and RFID tag information of the incoming commodity. In addition, the intelligent interaction device further comprises a communication node, a memory, a processing unit and an input/output device. The input/output devices typically include a touch screen display and speakers. The monitoring equipment of the internet of things comprises but is not limited to a camera, an RFID card reader and the like.
The online merchant is used for providing commodity information, authorizing the payment request information, confirming the order and providing commodity data contained in the order.
The payment processing platform includes a transaction server, an acquiring bank associated with a merchant, and a payment bank associated with a user. The payment processing platform is configured to receive and process payment request information, map a token primary account number of a user into a real primary account number and identify a delayed payment rule contained in the token primary account number, and the transaction server suspends processing of clearing messages sent by an acquiring bank according to the delayed payment rule.
If the settlement triggering information sent by the corresponding intelligent interaction equipment is received within the preset logistics time of the order, the acquiring bank is instructed to complete the order fund settlement; if the settlement triggering information sent by the corresponding intelligent interaction equipment is not received when the preset logistics time of the order is due, closing the clearing process and sending a settlement error message to the online merchant and the intelligent interaction equipment.
The invention optimizes the order payment processing method when B2C E-commerce adopts payment card transaction, the payment processing platform can identify the delayed payment rule contained in the token primary account number, and the actual settlement of the order fund is completed after the intelligent interaction equipment detects the accurate reception of the order commodity. Therefore, the invention can match the transfer of the order funds with the actual arrival situation of the order commodities and can automatically stop payment when the order commodities do not arrive as expected. In addition, the order fund is not occupied by the third-party payment platform, and the cash collection time delay caused by untimely receiving confirmation is avoided, so that the utilization efficiency of the user fund is improved.
The working mode and technical details of the present invention are explained in detail below:
the payment processing platform comprises at least one communication node configured to communicate with the intelligent interaction device via the communication node of the intelligent interaction device. Similarly, the payment processing platform also has a communication connection with the online merchant. In the payment processing platform, the acquiring bank and the payment bank are in communication connection with the transaction server. The acquiring bank refers to the bank structure associated with the online merchant and the payment bank refers to the bank structure associated with the intelligent interaction device and the consumer.
The intelligent interaction device refers to a device with goods storage capacity, calculation and communication functions, such as an intelligent shelf, an intelligent refrigerator and an intelligent logistics cabinet. The intelligent interactive device can securely communicate with the server of the online merchant to shop for goods.
The process of initiating an order is as follows: the intelligent interaction device accesses the merchant's online store via a web browser or mobile application app. And sending and receiving communication between the online merchant and the intelligent interaction device by using the communication node of the intelligent interaction device.
The user instructs the intelligent interactive device to initiate an order through a user interface (e.g., a touch screen interface) operation. Alternatively, the order is automatically placed at the online merchant, and the order may be automatically initiated according to a preset standard, for example, the order is initiated after a specific time, or the order is initiated when the internet of things monitoring device detects that the stored goods are used up. The user refers to a commodity consumer operating and managing the intelligent interactive device.
The online merchant typically contracts with an acquiring bank to accept payment from a payment card associated with the smart interactive device.
After the intelligent interaction equipment places an order to the online merchant through the network, the intelligent interaction equipment sends payment request information to the payment processing platform. The payment request information includes a payment amount, a token primary account number of the user, and an identifier of the internet of things monitoring device.
The payment processing platform forwards the payment request information to the online merchant, and the online merchant authorizes the payment request information and transmits the payment request information to the acquiring bank. The acquiring bank forwards the authorized payment request information (hereinafter referred to as an authorization request) to a transaction server of the payment processing platform, and the transaction server maps the token primary account number to the real primary account number of the user so as to identify the correct payment account belonging to the user. The transaction server then forwards the authorization request to a payment bank associated with the user's payment account for transaction approval. The payment bank checks some account criteria, such as account status and balance, and approves the authorization request when the account criteria check returns a satisfactory result. The approval authorization is then forwarded to the acquiring bank via the payment processing platform. In addition, the acquiring bank sends an approval authorization to the online merchant.
The acquiring bank generates a clearing message after receiving the approval authorization and sends the clearing message to a transaction server of the payment processing platform, wherein the clearing message comprises authorization information, settlement details and transaction records.
In the present invention, the token primary account number further contains a deferred payment rule that can be recognized by the payment processing platform, that is, the token primary account number is used to indicate to the payment processing platform that the payment is initiated by the intelligent interaction device, and the payment of the order should be processed according to the deferred payment rule.
Specifically, the token primary account number indicates to the payment processing platform that processing of a clearing message sent by an acquiring bank should be suspended until settlement trigger information sent by corresponding intelligent interaction equipment is received within a preset logistics time of the order. The generation process of the settlement trigger information is as follows: the Internet of things monitoring equipment detects the characteristic information of the goods and sends the characteristic information to the processing unit of the intelligent interaction equipment through the intelligent Internet of things gateway, the intelligent interaction equipment compares the characteristic information of the goods and the goods data in the order, and if the characteristic information of the goods and the goods data are matched, settlement triggering information is generated and sent to the payment processing platform.
And if the settlement triggering information sent by the corresponding intelligent interaction equipment is received within the preset logistics time of the order, the transaction server of the payment processing platform starts to process the clearing message sent by the acquiring bank, namely, the transaction server confirms the clearing message and generates a transaction instruction, and the acquiring bank executes transaction settlement. Thus, funds are transferred from the payment bank associated with the user to the acquiring bank associated with the online merchant. The preset logistics time refers to the logistics time set by the online merchant on the commodity page of the online store of the online merchant or the logistics time appointed after the online merchant negotiates with the user.
If the settlement triggering information sent by the corresponding intelligent interaction equipment is not received when the preset logistics time of the order is due, the payment processing platform closes the clearing flow and sends a settlement error message to the online merchant and the intelligent interaction equipment. Generally, unsuccessful payment has logistic timeout, inconsistent arrival of goods and orders, and other factors, and further communication negotiation between the online merchant and the user is required.
As shown in fig. 2, the working method of the transaction server of the payment processing platform includes the following steps:
s10: the transaction server receives an authorization request message from the acquiring bank to authorize the payment transaction. The authorization request includes: a token primary account number associated with the intelligent interaction device and a payment account of the user.
S20: the transaction server identifies the token primary account number and determines that the payment transaction should be processed according to the deferred payment rules. In particular, the transaction server accesses a database including a plurality of token primary account numbers associated with the deferred payment rules and determines that the token primary account number is one of a plurality of token primary account numbers in the database.
S30: the transaction server receives the clearing message from the acquiring bank's server and suspends processing the clearing message according to the deferred payment rules. The clearing message includes authorization information, settlement details, and transaction records.
S40: and the transaction server determines whether settlement trigger information sent by the corresponding intelligent interaction equipment is received within the preset logistics time.
S50: if the corresponding settlement triggering information is received within the preset logistics time, the transaction server confirms the clearing message and indicates the acquiring bank to finish the fund settlement.
S60: and if the corresponding settlement triggering information is not received within the preset logistics time, the transaction server closes the clearing flow and sends a settlement error message to the online merchant and the intelligent interaction equipment.
Preferably, the intelligent internet of things gateway is used for optimizing and forwarding data sent by the internet of things monitoring equipment; the intelligent Internet of things gateway adopts decision logic to perform priority sequencing on data streams according to data types and data contents, and then transmits the data higher than the preset priority to a processing unit of the intelligent interaction equipment.
The intelligent internet of things gateway has certain computing power, memory and storage capacity and artificial intelligence to analyze local data to realize local-level decision. The intelligent Internet of things gateway is provided with a computing unit and a memory, and the decision logic adopted by the intelligent Internet of things gateway comprises artificial intelligence, video analysis, a rule engine and a decision tree.
When the intelligent internet of things gateway works, all data are not reserved and sent to the processing unit of the intelligent interaction equipment, but the decision logic is adopted to carry out priority sequencing on data streams according to data types and data contents, and screened data streams are created, so that the selected data or the data higher than the preset priority are transmitted to the processing unit of the intelligent interaction equipment.
For example, the intelligent internet of things gateway may analyze video data captured from a camera in the internet of things monitoring device to determine whether image content has changed from time T1 to time T2. The intelligent internet of things gateway employs a rules engine containing rules that give sub-priority to video data at time T1 if "the image content of video camera 1 at time T2 is identical to the image content of video camera 1 at time T1". Depending on the available bandwidth, data that has been identified as sub-optimal may be omitted from transmission or reduced in resolution before transmission. Similarly, a similar analysis may be performed on the sensor data. For example, sub-optimal data (e.g., RFID tag data for an item) may instead be stored locally. By the method, the intelligent Internet of things gateway is used for selectively optimizing data, so that the bandwidth required by data transmission is reduced under the condition of not losing important information, meanwhile, the data processing burden of the intelligent interaction equipment can be reduced, and the working efficiency of the intelligent interaction equipment is improved.
The above description is only for the specific embodiments of the present invention, but the scope of the present invention is not limited thereto, and any person skilled in the art can easily conceive of the changes or substitutions within the technical scope of the present invention, and all the changes or substitutions should be covered within the scope of the present invention. Therefore, the protection scope of the present invention shall be subject to the protection scope of the claims.
Claims (4)
1. An internet-based B2C e-commerce system comprising an online merchant, an intelligent interaction device and a payment processing platform, the payment processing platform comprising a transaction server, an acquiring bank associated with the merchant and a payment bank associated with a user; the online merchant contracts with an acquiring bank to accept payment from a payment card associated with the intelligent interaction device;
the intelligent interaction device is provided with an intelligent Internet of things gateway and an Internet of things monitoring device, and is used for placing orders to online merchants through a network, sending payment request information to the payment processing platform, receiving the stored goods and detecting the characteristic information of the goods through the Internet of things monitoring device, then comparing the characteristic information of the goods with the goods data in the orders to generate settlement trigger information and sending the settlement trigger information to the payment processing platform to complete order payment; the payment request information comprises a payment amount, a token primary account number of a user and an identifier of the monitoring equipment of the Internet of things;
the intelligent interaction equipment comprises an intelligent goods shelf, an intelligent refrigerator and an intelligent logistics cabinet, the Internet of things monitoring equipment is used for monitoring the characteristic information of the goods stored in the intelligent interaction equipment, and the characteristic information of the goods comprises the type, the quantity, the specification, the bar code and the RFID label information of the goods;
the online merchant is used for providing commodity information, authorizing the payment request information, confirming the order and providing commodity data contained in the order;
the payment processing platform is configured to receive and process payment request information, map a token primary account number of a user into a real primary account number and identify a delayed payment rule contained in the token primary account number, and the transaction server suspends processing of clearing messages sent by an acquiring bank according to the delayed payment rule; if the settlement triggering information sent by the corresponding intelligent interaction equipment is received within the preset logistics time of the order, the acquiring bank is instructed to complete the order fund settlement; if the settlement triggering information sent by the corresponding intelligent interaction equipment is not received when the preset logistics time of the order is due, closing the clearing process and sending a settlement error message to the online merchant and the intelligent interaction equipment.
2. The electronic commerce system of claim 1, wherein the intelligent internet of things gateway is configured to optimize and forward data sent by an internet of things monitoring device; and the intelligent Internet of things gateway prioritizes the data streams according to the data types and the data contents, and then transmits the data higher than the preset priority to the processing unit of the intelligent interaction equipment.
3. The e-commerce system of claim 2, wherein the smart internet of things gateway analyzes video data collected from a camera in an internet of things monitoring device to determine whether image content has changed from time T1 to time T2;
the intelligent internet of things gateway adopts a rule engine containing rules, and if the image content of the camera at the time T2 is the same as the image content of the camera at the time T1, the video data at the time T1 is given a sub-priority; data that has been identified as sub-optimal is omitted from transmission.
4. The system of claim 3, wherein the internet of things monitoring device takes a picture of the incoming merchandise and transmits the picture to the memory of the intelligent interactive device for storage after the merchandise is received.
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| CN202010022594.1A CN111179039A (en) | 2018-10-25 | 2018-10-25 | Internet E-commerce system |
| CN201811252253.2A CN109360066B (en) | 2018-10-25 | 2018-10-25 | B2C electronic commerce system based on internet |
| CN202010019681.1A CN111222951A (en) | 2018-10-25 | 2018-10-25 | Electronic commerce payment processing platform |
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| CN201811252253.2A CN109360066B (en) | 2018-10-25 | 2018-10-25 | B2C electronic commerce system based on internet |
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| CN202010019681.1A Division CN111222951A (en) | 2018-10-25 | 2018-10-25 | Electronic commerce payment processing platform |
| CN202010022594.1A Division CN111179039A (en) | 2018-10-25 | 2018-10-25 | Internet E-commerce system |
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| CN109360066A CN109360066A (en) | 2019-02-19 |
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| US20180174251A1 (en) * | 2016-12-16 | 2018-06-21 | Infoxchg Corp | Method for automating negotiation of goods |
| EP3346429A1 (en) * | 2017-01-06 | 2018-07-11 | Mastercard International Incorporated | Methods and systems for iot enabled payments |
| CN107393148A (en) * | 2017-07-05 | 2017-11-24 | 上海链庄数据技术有限公司 | A kind of on-line payment method of self-selecting type intelligent vending machine |
| CN108681850A (en) * | 2018-04-02 | 2018-10-19 | 叶明宝 | A kind of logistic management system Internet-based |
| CN108665031A (en) * | 2018-05-15 | 2018-10-16 | 连云港伍江数码科技有限公司 | Article checking method, device, computer equipment and storage medium |
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2018
- 2018-10-25 CN CN202010022594.1A patent/CN111179039A/en active Pending
- 2018-10-25 CN CN202010019681.1A patent/CN111222951A/en not_active Withdrawn
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| CN111179039A (en) | 2020-05-19 |
| CN109360066A (en) | 2019-02-19 |
| CN111222951A (en) | 2020-06-02 |
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