CN109559104A - The method and device of payer identity is associated under a kind of payment environment - Google Patents
The method and device of payer identity is associated under a kind of payment environment Download PDFInfo
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- CN109559104A CN109559104A CN201811186261.1A CN201811186261A CN109559104A CN 109559104 A CN109559104 A CN 109559104A CN 201811186261 A CN201811186261 A CN 201811186261A CN 109559104 A CN109559104 A CN 109559104A
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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
- G06Q20/4014—Identity check for transactions
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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
- 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
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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
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
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Abstract
The present invention relates to the method and devices that payer identity is associated under a kind of payment environment, generate gathering instruction according to Transaction Information；Receive the payment instruction that payer responds the gathering instruction；Connection is established with the payment application for generating payment instruction, obtains payer mark；By the payer identification transmission to first server, the first server obtains payment application identities, payment transaction information；Payer mark and corresponding payment application identities, the notice of payment transaction information are generated, and are sent to second server；It is by once paying interaction realization that the payment identity of payer and other identity is associated with each other, and reached information flow and fund flow separation；While completing payment transaction, additionally it is possible to which the change for realizing other identity corresponding informances meets the platforms operator such as shopping center or the information requirement of other interested third parties.
Description
Technical field
The present invention relates to electronic technology fields, and in particular to the method and dress of payer identity are associated under a kind of payment environment
It sets.
Background technique
With the rapid proliferation of rapid development and the mobile payment of internet science and technology, more and more entity trade companies, which receive, to be moved
Dynamic payment, payer can also be dodged by wechat, Alipay, cloud except cash, the payment of traditional bank card pay etc. cell phone applications into
Row mobile payment, by interacting completion payment with trade company cashier terminal；But payment link in the prior art often only
The moneytary operations being able to satisfy between payer and beneficiary, without other function, and only account on Functional Design receiving/
Requestee and the considerations of lack to interested third parties such as platform operators.
With the continuous aggravation of commercial competition, businessman carries out member's loyalty program generally to collect consumer information and go forward side by side line number
According to analysis and management tactics adjustment etc..In order to collect payer information in payment link, businessman generally passes through inquiry consumer's meeting
The modes such as member's card number, cell-phone number, or prompt consumer scans integrate two dimensional code.These operations are time-consuming and laborious, also tend to need
Requestee downloads businessman APP or the wechat/Alipay member card and the registered members that get businessman etc. in advance, and operating process is time-consuming
It is cumbersome, consumption experience is significantly reduced, therefore only limited proportion can be associated with requestee's identity in full dose transaction.
Except receipts/requestee, often there is also the third party for being concerned about Transaction Information, among these shopping centers in entity business
It is very typical situation as platform operator.As platform operator, on the one hand shopping center is managed collectively trade company, bears
Duty construction tenant combines to cater to the diverse requirements of consumer；Shopping center needs to monitor the reality of trade company toward contact in daily management
When trade with meet the demand of sharing in the benefit and Develop Data analysis；Furthermore shopping center is purchased toward contact by providing to the requestee of businessman
Object center integrates to carry out member's loyalty program.But as previously mentioned, payment link in the prior art often only considered receipts/pay
Money people.Cause the requestee under shopping mall scenario to need to hold businessman's consumption receipt and manage integral to customer service the Taiwan Affairs Office, is ask compared to businessman
The experience of the case where asking member's card number, cell-phone number, the equal arrangements is worse, causes integral ratio lower.
The dominant technical approach for solving foregoing problems currently on the market is, platform operator by businessman's cash register computer and
Monitoring hardware is installed additional between receipt printer.Monitoring hardware reads print data stream and is reduced to print text, then with default rule
Then extract Transaction Information therein, finally by receipt superadd-print integral two dimensional code be supplied to requestee and trade
The means of integral, to reach Transaction Information and the associated final purpose of requestee's identity.But there are multinomial for this kind of mode
It is insufficient: one, to purchase and safeguard that the cost of monitoring hardware is relatively high；Two, high to the intrusion degree of commerce system, it is easy to cause trade company
Receipt printer paper delivery is abnormal；Three, it not can guarantee trade company's printing transaction receipt and be transmitted to requestee；Four, requestee is moving
Barcode scanning twice is needed when dynamic payment, it is cumbersome；Five, such as trade company's adjustment cash register system, the configuration of receipt printer or receipt lattice
Formula etc. will affect the accuracy of receipt identification, and be easy to cause integral unsuccessfully etc..
Therefore, it can be deduced that, it is the universal demand of businessman and interested third party in payment link association requestee's identity, but
Prior art often because requestee experience bad and other technologies defect to the third parties such as businessman and platform operator all
Constitute obstacle.
Publication number CN106067124A, which is disclosed, a kind of scans the two-dimensional code payment and in real time record total mark of consumption and rebating
Method realizes spending amount by the incidence relation of creation consumption capital operation platform and trade company, alliance, two dimensional code payment platform
With the distribution for returning existing fund, but in actual operation, user needs to first pass through client registered members on consumption operation platform,
And the fund after the completion of settling accounts also needs to distribute by consumption capital platform according to predetermined ratio, therefore, for payer,
It needs to need to download App before paying the bill, and is registered, complex steps；For beneficiary trade company, recycling is slowed down
Speed also adds intermediate cost；In addition the program is also related to " two is clear " operation that existing regulation is forbidden.
Summary of the invention
In order to solve the above problem in the prior art, in order to solve under payment environment real time correlation requestee identity simultaneously
Under the premise of not being involved in the problems, such as cash flow how by synchronizing information to businessman or interested third party, the present invention provides one
The method and device of payer identity is associated under kind payment environment.
First aspect present invention provides a kind of method that payer identity is associated under payment environment, the method includes,
Gathering instruction is generated according to Transaction Information；
Receive the payment instruction that payer responds the gathering instruction；
Connection is established with the payment application for generating payment instruction, obtains payer mark；
By the payer identification transmission to first server, the first server obtains payment application identities, payment transaction
Information；Payer mark and corresponding payment application identities, the notice of payment transaction information are generated, and are sent to second service
Device.
In one embodiment, the method " according to Transaction Information generation gathering instruction " includes:
The spending amount for obtaining payer selects the corresponding means of payment according to payer demand, generate include at least order number,
The gathering instruction of spending amount, beneficiary mark；
The means of payment includes payer scanning gathering code, payer shows payment code, NFC is identified, magnetic stripe identifies, fingerprint is known
One of other and recognition of face is a variety of.
In one embodiment, the method for " establishing connection with the payment application for generating payment instruction " further include:
When establishing connection, authentication identification information is sent；
Authentication feedback information is received, judges whether to establish connection according to authentication feedback information.
In one embodiment, the method also includes,
Connection is established with the second server, includes identification information and characteristic information in the second server；Default payment
The change rule of application identities, payment transaction information and specific information；
Second server receives the payer mark and corresponding payment application identities, the notice of payment transaction information；
It searches in the second server and identifies the identification information to match with the payer；
Corresponding characteristic information is changed according to corresponding payment application identities, payment transaction information.
In one embodiment, the method also includes；
When finding matching identification information, the second server determines simultaneously according to the payment transaction information and change rule
Record the characteristic information of change；
When not finding matching identification information, the second server increases identification information newly, is identified and is given birth to according to the payer
At identification information, characteristic information is generated according to payment transaction information.
In one embodiment, the method also includes,
Payer mark is sent to first server；
First server obtains corresponding identification information and characteristic information in second server；
The mark of payer described in associated storage, the mapping relations for paying application identities, payment transaction information and characteristic information.
In one embodiment, described " receiving the payment instruction that payer responds the gathering instruction " method further includes,
The gathering instruction is obtained by response application；
The response application starts corresponding payment application, and the payment application is notified to carry out payment transaction；
Establish the connection with the response application and/or payment application；
Obtain corresponding payer mark.
In one embodiment, the method also includes:
It obtains payer and identifies corresponding communication modes；
According to the modification information of the corresponding characteristic information of format editor of the communication modes；
Send the modification information；
The communication modes include at least phone number, mailbox, payment using one of account, response application account or more
Kind.
In one embodiment, the method for " payment instruction that reception payer responds the gathering instruction " includes；
Payer mark is obtained, is identified by payer and obtains characteristic information in second server；
The payment instruction is changed by characteristic information；
The characteristic information includes one of favor information, discount information, marketing message or a variety of.
In one embodiment, " by the payer identification transmission to first server, the first server obtains branch
Pay application identities, payment transaction information " method further include；
Establish the connection of first server and second server；
Determine that the payment application identities of the first server acquisition, payment are handed over by the identification information in second server
Easy information；Or
Corresponding payment application identities and payment transaction letter in third server are obtained by the specify information of the payment instruction
Breath.As we's invention in another aspect, the embodiment of the present invention, which provides, is associated with the device of payer identity under a kind of payment environment,
Described device includes,
Gathering module: for generating gathering instruction according to Transaction Information；
Receiving module: the payment instruction of the gathering instruction is responded for receiving payer；
Link block: for establishing connection with the payment application for generating payment instruction, payer mark is obtained；
First transmission module: for, to first server, the first server to obtain payment by the payer identification transmission
Application identities, payment transaction information；
Second transmission module: for generating payer mark and corresponding payment application identities, the notice of payment transaction information, and
It is sent to second server.
As the another aspect of we's invention, the present invention provides a kind of cash receiving terminal, and the cash receiving terminal includes:
Processor；
Storage device, for storing program；
When the processor, which executes, stores program in storage device, the processor realizes the payment as described in above-mentioned any one
The method of payer identity is associated under environment.
As the another aspect of we's invention, the present invention provides a kind of storage medium, is stored thereon with computer program, institute
State the side for realizing when computer program is executed by processor and being associated with payer identity under the payment environment as described in above-mentioned any one
Method.
The beneficial effect of above-mentioned technical proposal provided in an embodiment of the present invention includes at least:
Under payment environment be associated with payer identity and under the premise of not being related to cash flow by synchronizing information to businessman or phase
Third party system is closed, i.e., under payment environment, is realized by once paying interaction by the payment identity of payer and other
Identity is associated with each other, and has reached information flow and fund flow separation；While completing payment transaction, additionally it is possible to realize other bodies
The change of part corresponding informance, meets market or interested third party to the supervision demand of information flow.
Other features and advantages of the present invention will be illustrated in the following description, also, partly becomes from specification
It obtains it is clear that understand through the implementation of the invention.The objectives and other advantages of the invention can be by written explanation
Specifically noted structure is achieved and obtained in book, claims and attached drawing.
Below by drawings and examples, technical scheme of the present invention will be described in further detail.
Detailed description of the invention
Attached drawing is used to provide further understanding of the present invention, and constitutes part of specification, with reality of the invention
It applies example to be used to explain the present invention together, not be construed as limiting the invention.
Fig. 1 is the method flow diagram provided in the embodiment of the present invention one.
Fig. 2 is the flow chart interacted in the embodiment of the present invention one with second server.
Fig. 3 is the flow chart in the embodiment of the present invention one with reception payment instruction.
Fig. 4 is the device flow chart provided in the embodiment of the present invention one.
Fig. 5 is the method flow diagram provided in the embodiment of the present invention two.
Fig. 6 is the block diagram of the device provided in the embodiment of the present invention two.
Specific embodiment
Exemplary embodiments of the present disclosure are described in more detail below with reference to accompanying drawings.Although showing the disclosure in attached drawing
Exemplary embodiment, it being understood, however, that may be realized in various forms the disclosure without should be by embodiments set forth here
It is limited.On the contrary, these embodiments are provided to facilitate a more thoroughly understanding of the present invention, and can be by the scope of the present disclosure
It is fully disclosed to those skilled in the art.
Embodiment one
Payment link in the prior art can only meet the moneytary operations between payer and beneficiary, not have other function,
And when payer needs to pay in payment process identity and other Identity Associations, then it must other operation bidirectionals.For example,
When payer is in market shopping, payment while, generally requires to carry out market member integral, according to the method in the prior art
The step of at least needing payer to provide except membership number or other delivery operations in payment.
The present embodiment provides a kind of methods that payer identity is associated under payment environment, as shown in Figure 1, the method packet
It includes,
S101 generates gathering instruction according to Transaction Information；
S102 receives the payment instruction that payer responds the gathering instruction；
Connection is established in S103 and the payment application for generating payment instruction, obtains payer mark；
For S104 by the payer identification transmission to first server, the first server obtains payment application identities, payment
Transaction Information；
S105 generates payer mark and corresponding payment application identities, the notice of payment transaction information；
S106 is sent to second server.
Wherein, the present embodiment is multithreading method, and above-mentioned steps label does not limit specific steps sequence.
In S101, the Transaction Information includes spending amount, the means of payment and the cash receiving terminal mark of payer, receives
Money side's mark, wherein the spending amount can be manually entered by cashier, can also be automatic according to commodity or service bar code
It generates；The means of payment can be individual payment interface, be also possible to integrated interface, including a variety of payment interfaces, when
When payer selects the specified means of payment to be responded, automatic identification, and connection is established with the corresponding means of payment.
In S102, payer responds the gathering instruction generated in S101, payer by mobile terminal or other modes
Response application or other web response body Webs obtain Transaction Information after, starting payment application, generate payment instruction, the payment instruction
Including Transaction Information, payer identify, beneficiary mark, pay application identities, wherein Transaction Information include order number, the amount of money,
Time etc..
In S103, connection is established with payment application, obtains payer in the identity of payment application；Payment therein
The application that can be used to pay using can be Alipay, wechat, QQ wallet etc..
In S104, first server can be connected with payment mechanism server, such as draw OK a karaoke club, communications and liaison, Unionpay quotient
Business etc., can also be connected with other servers that can obtain payment transaction information and state；First server identification payment
The information such as payer mark in instruction obtain payment transaction information and state by the server that other include Transaction Information state
Information, wherein payment transaction information may include order number, the identity of receipt and payment side, Transaction Account number, transaction amount, pay
At time etc.；Status information may include completing, being to be done, unfinished, cancelling etc..
In S105, the payer mark of acquisition and corresponding payment application identities, payment transaction information are corresponded into association,
Generate the notice of preset format.
In S106, by above-mentioned method of payment, that is, realizes and obtained in the case where not needing other operations and be associated with branch
It pays side and identifies other relevant identity, wherein other operations include: input handset number, input member's card number, scanning electron member
Card, scanning integrate two dimensional code, by member system APP payment etc., directly respond gathering by terminal and instruct, can complete to prop up
It pays, and corresponding Transaction Information is transferred to second server, second server therein can be one, be also possible to more
It is a, it may include the member system in market, the member system of trade company or other systems；When second server receives correspondence
Transaction Information when, can be identified according to specific payer and Transaction Information carries out corresponding information change, the information after change
It is transmitted directly to payer according to setting means, is also sent to first server, payment is returned to by first server
Side, for not limited specifically in the mode this embodiment of return payer.
In this embodiment, payer is acted by once payment, and payment transaction can be completed；And payer can be generated
The information flow is individually transmitted to other servers with payment application identities, the associated information flow of payment transaction information by mark,
Without changing the flow direction of cash flow, and the operation of payer is facilitated, obtains integral using other movements without payer
Deng.
Wherein, information flow refers in payment process, the identity information of the payer of acquisition, the information of payment application, payment
The information such as Transaction Information and some marketing messages relevant to beneficiary, including integral, discount coupon, promotion, or discounting；Fund
After stream refers to payer confirmation purchase commodity, the process that the fund of oneself is transferred on Merchant Account.
Further, in the present embodiment, the method " according to Transaction Information generation gathering instruction " includes:
The spending amount for obtaining payer selects the corresponding means of payment according to payer demand, generate include at least order number,
The gathering instruction of spending amount, beneficiary mark；
The means of payment includes payer scanning gathering code, payer shows payment code, NFC is identified, magnetic stripe identifies, fingerprint is known
One of other and recognition of face is a variety of.
The present embodiment method is applied in cash receiving terminal, by being mounted on client disappearing according to acquisition in cash receiving terminal
Take the amount of money, beneficiary mark production gathering instruction, wherein spending amount can be manually entered, and can also be transmitted by other equipment
It obtains, beneficiary mark may include that the data with identification function such as device number, terminal number, merchant identification, market mark are believed
Breath.
Wherein, payer can open type moving it is general it is non-connect by way of carry out payment transaction, so-called " open type moving
It is general non-to connect " refer to for O2O scene payment services demand, based on accepting network by POS, it is close to consumer and focuses on paying further
The convenience of link and the requirement of safety support mobile phone as medium, pass through NFC, two dimension using the non-terminal that connects as handling machine
A variety of near-field interaction manners such as code, string code initiate payment, being capable of receiving bank's card (non-to connect), all kinds of electronic accounts and virtual ticket
Certificate realizes payment account secure digital by host virtual card (HCE) technology, provides open, safe and reliable branch for client
Pay disposal environment；The all-around services such as marketing, transaction, management are provided for trade company's O2O business.
Further, in the present embodiment, the method for " establishing connection with the payment application for generating payment instruction " further include:
When establishing connection, authentication identification information is sent；
Authentication feedback information is received, judges whether to establish connection according to authentication feedback information.
Authentication refers to whether authentication-access side possesses the right of access system, checks the access side to using data service
Legitimacy and validity can be authenticated by account and corresponding key to verify in the present embodiment, and wherein key can be with
It is that static state is also possible to dynamic；It can also can guarantee the method for authenticating of safety using other.
Further, in the present embodiment, such as Fig. 2, the method also includes,
S1061 and the second server establish connection, include identification information and characteristic information in the second server；In advance
If paying the change rule of application identities, payment transaction information and specific information；
S1062 second server receive payer mark and corresponding payment application identities, payment transaction information it is logical
Know；
S1063 is searched in the second server and is identified the identification information to match with the payer；
S1064 changes corresponding characteristic information according to corresponding payment application identities, payment transaction information.
Wherein, the second server can be market membership service device, be also possible to trade company's membership service device, Huo Zheye
Can be other third parties includes the server that associated data are identified with payer, and the identification information in second server can
To be the ID with unique identification such as membership information, user information, such as it can be phone number, mailbox, identity card, driving
Card, passport, number of registration, finger print information, facial information and iris information etc.；The characteristic information may include integration information, etc.
Grade information, authority information, consumption information, favor information, liveness information and some marketing messages, such as: corresponding advertisement pushes away
It delivers letters breath, advertising campaign；The change rule of the default payment application identities, payment transaction information and specific information is to pass through
Payment application and payment transaction information modify the rule of corresponding characteristic information, which can be according to time or other factors tune
It is whole, for example, full 300 yuan of platinum member consumption increase by 600 integrals, and full 300 yuan of regular member's consumption can increase during National Day
400 integrals；During mid-autumn, platinum member consumes full 300 yuan of grantings, 50 yuan of discount coupons, and full 300 yuan of regular member's consumption are provided 30
First discount coupon etc..
In the S1061, the second server and first server, which are established, to be communicated, can by way of authorization,
Connection can also be established by communications protocol after verifying according to the mode of authentication, by S1062, receive first server hair
The payer mark and corresponding payment application identities, payment transaction information sent, convert the second clothes for corresponding data format
It is engaged in device readable format, in S1063, second server is traversed by pay mark, the matching of judgement and identification information therein,
It is different according to the different matched matching degrees of identification information judgment, such as when pay mark is telephone number, then need complete
Portion's number is all identical, when identification information is fingerprint, the point matching algorithm based on structure feature can be used, after calibration
Point set is matched, and matched feature point number is judged in the range of two points concentrate proportion about 65 percent
Matching；In S1064, after determining matched identification information, the corresponding characteristic information of the identification information is changed, to second
The main body that modification information is modified in server can be first server and send alteration command, change the data of second server,
Modification information is notified into payer by first server；It is also possible to after second server receives corresponding informance, independent change pair
Information is answered, then modification information is sent directly to payer.
Further, in the present embodiment, the method also includes；
When finding matching identification information, the second server determines simultaneously according to the payment transaction information and change rule
Record the characteristic information of change；
When not finding matching identification information, the second server increases identification information newly, is identified and is given birth to according to the payer
At identification information, characteristic information is generated according to payment transaction information.
In the present embodiment, when finding matching identification information, change of modifying, for example, in second server
Storage " mark A, platinum grade, 300 integral " data, receive first server transport " mark A, 2018/10/1, disappear
Take 300 yuan of notice ", then according to corresponding change rule, " full 300 yuan of 2018/10/1 ~ 2018/10/1 platinum member consumption is sent
600 integrals, regular member send 400 integrals ", data are changed to " mark A, platinum grade, 900 integrals " by second server；
When not finding matching identification information, carry out increase change, for example, receive first server transport " mark A, 2018/
10/1, the notice of 300 yuan of consumption ", searched by " mark A ", if not finding " mark A ", root in second server
According to corresponding change rule, " 600 integrals are sent in 2018/10/1 ~ 2018/10/1 platinum member consumption full 300, and regular member send 400
Integral ", second server then increase a data newly, " mark A, regular member, 400 integrals ", change in example listed above
Characteristic information be only integration information, but the change of characteristic information can include multiple simultaneously, such as can be according to fraction tune
Whole corresponding class information carries out the push of information according to the time of consumption, type.
Further, in the present embodiment, the method also includes,
Payer mark is sent to first server；
First server obtains corresponding identification information and characteristic information in second server；
The mark of payer described in associated storage, the mapping relations for paying application identities, payment transaction information and characteristic information.
In the present embodiment, by the identification information in payer identifier lookup second server, then identification information is obtained
And corresponding characteristic information, and relevant information and its mapping relations are stored, wherein the payer mark is believed with the mark
Manner of breathing is corresponding, such as the two can be the data that cell-phone number, ID card No. etc. have unique identification function；Second server can
To be a server, it is also possible to multiple servers；Relevant information and its mapping relations can store in first server,
It can store in second server, or also can store in other servers.
Further, in the present embodiment, as shown in figure 3, described " receive the payment that payer responds the gathering instruction
Method further includes for instruction ",
S1021 obtains the gathering by response application and instructs；
Response application described in S1022 starts corresponding payment application, and the payment application is notified to carry out payment transaction；
S1023 establishes the connection with the response application and/or payment application；
S1024 obtains corresponding payer mark.
The application that payer responds the gathering instruction can be payment application, and in the present embodiment, payer responds institute
The application for stating gathering instruction is in response to apply, i.e. application without direct payment function, such as Meituan, youku.com etc. has identification
Function, and the application of connection is established with payment application or payment mechanism, it is established and is directly connected to by payment movement and response application,
The corresponding mark that payer in response application is obtained after authentication, since response application and payment application or payment mechanism have had
Authorization relationship can also be identified by authorizing while obtaining corresponding payer in payment application.
Further, in the present embodiment, the method also includes:
It obtains payer and identifies corresponding communication modes；
According to the modification information of the corresponding characteristic information of format editor of the communication modes；
Send the modification information；
The communication modes include at least phone number, mailbox, payment using one of account, response application account or more
Kind.
In the present embodiment, modification information can be sent by second server, can also be sent by first server, can be with
The priority that different communication modes are arranged in the difference applied according to response is set, when there was only one with the related information that payer identifies
When kind communication modes, notice editor only is carried out according to the communication format, it, can be according to setting when including multiple communication modes
Priority determines communication modes, such as when being responded by wechat application, and the priority of wechat application account is higher than mobile phone
The priority of number, phone number is higher than mailbox.
Wherein, in the present embodiment, payer location information can also be obtained according to the payment transaction information, changed
When corresponding direct correlation characteristic information, the characteristic information of indirect association is synchronized and is sent to payer, for example, in second market
B trade company is consumed, and while changing trade company's integral, can also be screened once in second market according to history consumption information
Or the shop C nearby paid, and corresponding marketing message is obtained, such as promotion, preferential etc., second market is integrated into modification information
With the shop C favor information synchronize be sent to payer.
Further, in the present embodiment, the method packet for " receiving the payment instruction that payer responds the gathering instruction "
It includes；
Payer mark is obtained, is identified by payer and obtains characteristic information in second server；
The payment instruction is changed by characteristic information；
The characteristic information includes one of favor information, discount information, marketing message or a variety of.
In the present embodiment, before submitting payment information to payment mechanism, according to payer in gathering mechanism or associated mechanisms
The favor information of server record, such as the discount coupon held, discount right, reduce it is preferential after submit to payment machine again
Structure, for example, payer A, in the third market, the shop D, is wrapped in the membership service device in the shop D or the third market by 200 yuan of spending amount
50 yuan of discount coupons are included, before submitting payment transaction information, first read corresponding second server, obtain 50 yuan of discount coupons, by institute
It states in payment instruction toll amount and is changed to 150 yuan by 200 yuan；It is also may be implemented before paying simultaneously using integral deduction part expense
With integral is when money flower.
Further, in the present embodiment, " by the payer identification transmission to first server, the first service
Device obtain payment application identities, payment transaction information " method further include；
Establish the connection of first server and second server；
Determine that the payment application identities of the first server acquisition, payment are handed over by the identification information in second server
Easy information；Or
Corresponding payment application identities and payment transaction letter in third server are obtained by the specify information of the payment instruction
Breath.In the present embodiment, a kind of mode is that payer is first attached with second server, by response application authorization, is obtained
Payer response application mark identifies the identification information and payer, after payment transaction information is associated, then is submitted to the
Three servers are traded；Wherein, the authorization module of response application can guarantee High Availabitity with clustering or cloud containerization etc..Separately
A kind of mode is that payer is first attached with third server, after being traded successfully according to Transaction Information, then with second server
It is attached, by response application authorization, obtains payer response application mark, the identification information and payer are identified,
Payment transaction information is associated；Wherein, specify information can be order number, and being also possible to other can determine unique payment transaction
The information of information.
Based on the same inventive concept, the present embodiment additionally provides the dress that payer identity is associated under a kind of payment environment
It sets, the principle of the solved problem of the device is similar to the method for previous embodiment, therefore payer body is associated under the payment environment
The implementation of the device of part mark may refer to the implementation of the method for previous embodiment, and overlaps will not be repeated.
Further, as the present embodiment in another aspect, the embodiment of the present invention also provides is associated under a kind of payment environment
The device of payer identity, as shown in figure 4, described device includes,
Gathering module 101: for generating gathering instruction according to Transaction Information；
Receiving module 102: the payment instruction of the gathering instruction is responded for receiving payer；
Link block 103: for establishing connection with the payment application for generating payment instruction, payer mark is obtained；
First transmission module 104: for, to first server, the first server to obtain branch by the payer identification transmission
Pay application identities, payment transaction information；
Second transmission module 105: for generate payer mark and corresponding payment application identities, payment transaction information it is logical
Know, and is sent to second server 400.
Based on the same inventive concept, the present embodiment additionally provides a kind of cash receiving terminal and storage medium, due to the terminal and
The method that payer identity is associated under the principle of the solved problem of storage medium and a kind of payment environment of previous embodiment is similar,
Therefore the implementation of the terminal and storage medium may refer to the implementation of the method for previous embodiment, and overlaps will not be repeated.
In the third aspect of the present embodiment, a kind of cash receiving terminal is also provided, the cash receiving terminal includes:
Processor；
Storage device, for storing program；
When the processor, which executes, stores program in storage device, the processor realizes the payment as described in above-mentioned any one
The method of payer identity is associated under environment.
In the fourth aspect of the present embodiment, a kind of storage medium is also provided, is stored thereon with computer program, the calculating
The method that payer identity is associated under the payment environment as described in above-mentioned any one is realized when machine program is executed by processor.
In the present embodiment, the computer program of storage may include two parts, and a part is installed on cash receiving terminal
APP client-side program, a part is the APP server program established beyond the clouds, wherein APP client and APP server-side
(first server) is connected, APP server-side and payment mechanism server (third server, for provide payment application identities,
Payment transaction information) and membership service device (second server) be connected.
In the present embodiment, payment mechanism, such as drawing OK a karaoke club, communications and liaison, silver are passed through from payer by cash receiving terminal cash flow
Joining commercial affairs etc., after gathering, T+N is settled accounts to beneficiary, and it is intermediate without other mechanism bank accounts, such as: two peaceful, third
Square mechanism；Information flow by cash receiving terminal integrate beneficiary mark, payer mark and Transaction Information after, be sent to payer,
It is sent to the third-party institution, such as the monitoring party of trade company while beneficiary, can be general merchandise, shopping center or other supervision
Mechanism)；It realizes that the third-party institution is not involved in actual funds circulation, but acquisition transaction data that can be legal, and does not increase branch
The operation of Fu Fang and beneficiary.
Wherein, so-called " two is clear " is with respect to for " one is clear " mechanism；The POS machine or cashier terminal of " one is clear " mechanism are straight
The Third-party payment company for connecting bank or obtaining payment licence plate is cleared, and settlement of transactions money is directly transferred to trade company；
And perhaps cashier terminal needs are cleared i.e. settlement fund by bank or Third-party payment machine to the POS machine of " two is clear " twice
Structure first goes to " two is clear " account that company oneself opens up, and after handling via the said firm, then settles accounts to trade company.Publication number
Consumption operation platform in CN106067124A is similar to two peaceful.
Embodiment two
The principle of solved problem exists similar to the method for previous embodiment one in the present embodiment, therefore partial content can join
See the implementation of the method for previous embodiment one, overlaps will not be repeated.
The present embodiment provides a kind of methods that payer identity is collected under payment environment, as shown in figure 5, the method packet
It includes,
S201 creates first server, establishes the connection of first server and second server and third server；
S202 receives the payment instruction of payer response gathering instruction, establishes connection with the payment application for generating payment instruction, obtains
Payer is taken to identify；
S203, which is obtained, pays application identities and payment transaction information in third server；
The payer is identified, pays application identities by S204, payment transaction information generates notice, is sent to second server,
It obtains in the second server and identifies the identification information to match with the payer；
S205 generates the map information of the payer mark, payment application identities, payment transaction information and identification information, and closes
Connection storage.
In S205, the payer mark, the map information for paying application identities, payment transaction information and identification information
It is possibly stored to first server, is also possibly stored to second server, can also be sent to and stores other servers
Or terminal.
In the present embodiment, first server obtains the payment instruction side of getting paid mark, passes through the company with second service
The corresponding other information of payer identity is obtained to obtain, the second server is similar to the second server in embodiment one, can
To be market membership service device, trade company's membership service device etc.；By establishing connection with third server, this transaction letter is obtained
Breath, and by payer mark, payment application identities, payment transaction information and identification information and between mapping relations carry out
Storage, realizes the collection of data information, meets supervision of the third party to payment data stream, but also can be to the number of collection
It is utilized according to being further analyzed.
Further, in the present embodiment, the method also includes,
It is identified by the payer and obtains second server identification information,
It is obtained according to the identification information and pays application identities and payment transaction information in third server；Alternatively,
Corresponding payment application identities and payment transaction letter in third server are obtained by the specify information of the payment instruction
Breath.
Further, in the present embodiment, the method also includes,
It include identification information and characteristic information in the second server；Default payment application identities, payment transaction information and spy
Determine the change rule of information；
Second server receives the payer mark and corresponding payment application identities, the notice of payment transaction information；
It searches in the second server and identifies the identification information to match with the payer；
Corresponding characteristic information is changed according to corresponding payment application identities, payment transaction information.
Further, in the present embodiment, the method also includes,
Payer mark is obtained, is identified by payer and obtains characteristic information in second server；
The payment instruction is changed by characteristic information；
The characteristic information includes one of favor information, discount information, marketing message or a variety of.
Further, in the present embodiment, the method also includes,
The account designated identification for traversing first server and/or second server, identifies duplicate account designated identification；
Merge the duplicate account designated identification, corresponding informance is associated with and is merged；
The account designated identification includes one of cell-phone number, mailbox, identity card, passport No., application identities or a variety of.
Further, in the present embodiment, the method also includes:
It include location information in the payment transaction information；
Trading range is set according to the positional information, and different trading privileges is arranged in different trading ranges.
In the present embodiment, by the positioning device in terminal device, the location information of payer is obtained, it can be according to not
Different gathering sections is arranged in geographic orientation with beneficiary, and different gathering sections corresponds to different trading ranges, such as: it receives
Money section or trading range setting centered on beneficiary retail shop position, 1000 meters in the range of radius, when the position of acquisition
When confidence breath is beyond 1000 meters of beneficiary retail shop, corresponding characteristic information, including integral, discount coupon are not changed, or alarm
Deng prompt etc..Specific trading range and permission can determine according to demand and in conjunction with locating module precision.
Further, in the present embodiment, described " receiving the payment instruction that payer the responds the gathering instruction " method
Further include,
The gathering instruction is obtained by response application；
The response application starts corresponding payment application, and the payment application is notified to carry out payment transaction；
Establish the connection with the response application and/or payment application；
Obtain corresponding payer mark.
Further, in the present embodiment, the method also includes:
It obtains payer and identifies corresponding communication modes；
Edit the characteristic information format of change corresponding with the communication modes；
The characteristic information of corresponding change is transferred to payer by corresponding communication modes；
The communication modes include at least phone number, mailbox, payment using one of account, response application account or more
Kind.
Based on the same inventive concept, the present embodiment additionally provides the dress that payer identity is collected under a kind of payment environment
It sets, the principle of the solved problem of the device is similar to the method for previous embodiment, therefore payer body is collected under the payment environment
The implementation of the device of part mark may refer to the implementation of the method for previous embodiment, and overlaps will not be repeated.
Further, it as the present embodiment in another aspect, such as Fig. 6, provides and collects payer body under a kind of payment environment
Part device, described device includes,
Creation module 201 establishes first server 300 and second server 400 and third for creating first server 300
The connection of server 500；
Receiving module 202, for receiving the payment instruction of payer response gathering instruction, with the payment application for generating payment instruction
Connection is established, payer mark is obtained；
Module 203 is obtained, is handed over for identifying payment application identities and payment in acquisition third server 500 by the payer
Easy information；
Third transmission module 204, for payer mark, payment application identities, payment transaction information to be generated notice, hair
It send to obtain to second server 400 in the second server 400 and identifies the identification information to match with the payer；
Memory module 205, for generating the payer mark, payment application identities, payment transaction information and identification information
Map information, and associated storage.
Based on the same inventive concept, the present embodiment additionally provides a kind of server and storage medium, due to the server and
The principle of the solved problem of storage medium is similar to the method for payer identity is collected under a kind of payment environment of previous embodiment,
Therefore the implementation of the server and storage medium may refer to the implementation of the method for previous embodiment, and overlaps will not be repeated.
In the third aspect of the present embodiment, a kind of server is also provided, the server includes:
Processor；
Storage device, for storing program；
When the processor, which executes, stores program in storage device, the processor realizes the payment as described in above-mentioned any one
The method of payer identity is collected under environment.
In the fourth aspect of the present embodiment, a kind of storage medium is also provided, is stored thereon with computer program, the calculating
The method that payer identity is collected under the payment environment as described in above-mentioned any one is realized when machine program is executed by processor.
The embodiment of the present invention is associated with the standard that consumer representation is improved from multi-party message stream data in payment environment
True property can provide more targeted service for consumer；Moreover, the separation of data flow and cash flow is realized, it can
By synchronizing information to businessman or interested third party under the premise of not being related to cash flow；In addition, the information fluxion of above-mentioned collection
According to and by synchronizing information businessman or the step of interested third party, consumer is not needed and carries out additional operation, for example, barcode scanning,
Cell-phone number etc. is reported, reduces the link of transaction, has saved the time cost of both sides.
The scope of application of the embodiment of the present invention at least may include that shopping center, general merchandise, faranchise are superfine except directly gathering
Except side, it is also concerned about the platform operation side of trading situation or the interested third party of operating concessions.
It should be understood by those skilled in the art that, the embodiment of the present invention can provide as method, system or computer program
Product.Therefore, complete hardware embodiment, complete software embodiment or reality combining software and hardware aspects can be used in the present invention
Apply the form of example.Moreover, it wherein includes the computer of computer usable program code that the present invention, which can be used in one or more,
The shape for the computer program product implemented in usable storage medium (including but not limited to magnetic disk storage and optical memory etc.)
Formula.
The present invention be referring to according to the method for the embodiment of the present invention, the process of equipment (system) and computer program product
Figure and/or block diagram describe.It should be understood that every one stream in flowchart and/or the block diagram can be realized by computer program instructions
The combination of process and/or box in journey and/or box and flowchart and/or the block diagram.It can provide these computer programs
Instruct the processor of general purpose computer, special purpose computer, Embedded Processor or other programmable data processing devices to produce
A raw machine, so that being generated by the instruction that computer or the processor of other programmable data processing devices execute for real
The device for the function of being specified in present one or more flows of the flowchart and/or one or more blocks of the block diagram.
These computer program instructions, which may also be stored in, is able to guide computer or other programmable data processing devices with spy
Determine in the computer-readable memory that mode works, so that it includes referring to that instruction stored in the computer readable memory, which generates,
Enable the manufacture of device, the command device realize in one box of one or more flows of the flowchart and/or block diagram or
The function of being specified in multiple boxes.
These computer program instructions also can be loaded onto a computer or other programmable data processing device, so that counting
Series of operation steps are executed on calculation machine or other programmable devices to generate computer implemented processing, thus in computer or
The instruction executed on other programmable devices is provided for realizing in one or more flows of the flowchart and/or block diagram one
The step of function of being specified in a box or multiple boxes.
Obviously, various changes and modifications can be made to the invention without departing from essence of the invention by those skilled in the art
Mind and range.But under the premise of without departing from the principle of the present invention, those skilled in the art can make the relevant technologies feature
Equivalent change or replacement out, the technical solution after these changes or replacement will fall within the scope of protection of the present invention,
Protection scope of the present invention is not limited to these specific embodiments.
Claims (13)
1. being associated with the method for payer identity under a kind of payment environment, which is characterized in that the method includes,
Gathering instruction is generated according to Transaction Information；
Receive the payment instruction that payer responds the gathering instruction；
Connection is established with the payment application for generating payment instruction, obtains payer mark；
By the payer identification transmission to first server, payment application identities are obtained by the first server, payment is handed over
Easy information；
Payer mark and corresponding payment application identities, the notice of payment transaction information are generated, and are sent to second server.
2. the method as described in claim 1, which is characterized in that and " according to Transaction Information generate gathering instruction " method include:
The spending amount for obtaining payer selects the corresponding means of payment according to payer demand, generate include at least order number,
The gathering instruction of spending amount, beneficiary mark；
The means of payment includes payer scanning gathering code, payer shows payment code, NFC is identified, magnetic stripe identifies, fingerprint is known
One of other and recognition of face is a variety of.
3. method as described in claim 1, which is characterized in that the method for " establishing connection with the payment application for generating payment instruction "
Further include:
When establishing connection, authentication identification information is sent；
Authentication feedback information is received, judges whether to establish connection according to authentication feedback information.
4. method as described in claim 1, which is characterized in that the method also includes,
Connection is established with the second server, includes identification information and characteristic information in the second server；Default payment
The change rule of application identities, payment transaction information and specific information；
Second server receives the payer mark and corresponding payment application identities, the notice of payment transaction information；
It searches in the second server and identifies the identification information to match with the payer；
Corresponding characteristic information is changed according to corresponding payment application identities, payment transaction information.
5. method as claimed in claim 4, which is characterized in that the method also includes；
When finding matching identification information, the second server determines simultaneously according to the payment transaction information and change rule
Record the characteristic information of change；
When not finding matching identification information, the second server increases identification information newly, is identified and is given birth to according to the payer
At identification information, characteristic information is generated according to payment transaction information.
6. method as claimed in claim 4, which is characterized in that the method also includes,
Payer mark is sent to first server；
First server obtains corresponding identification information and characteristic information in second server；
The mark of payer described in associated storage, the mapping relations for paying application identities, payment transaction information and characteristic information.
7. method as described in claim 1, which is characterized in that described " payment that reception payer responds the gathering instruction refers to
Enabling " method further includes,
The gathering instruction is obtained by response application；
The response application starts corresponding payment application, and the payment application is notified to carry out payment transaction；
Establish the connection with the response application and/or payment application；
Obtain corresponding payer mark.
8. method as described in claim 1, which is characterized in that the method also includes:
It obtains payer and identifies corresponding communication modes；
According to the modification information of the corresponding characteristic information of format editor of the communication modes；
Send the modification information；
The communication modes include at least phone number, mailbox, payment using one of account, response application account or more
Kind.
9. method as claimed in claim 4, which is characterized in that " receiving the payment instruction that payer responds the gathering instruction "
Method includes；
Payer mark is obtained, is identified by payer and obtains characteristic information in second server；
The payment instruction is changed by characteristic information；
The characteristic information includes one of favor information, discount information, marketing message or a variety of.
10. method as described in claim 1, which is characterized in that " described by the payer identification transmission to first server
First server obtain payment application identities, payment transaction information " method further include；
Establish the connection of first server and second server；
Determine that the payment application identities of the first server acquisition, payment are handed over by the identification information in second server
Easy information；Or
Corresponding payment application identities and payment transaction letter in third server are obtained by the specify information of the payment instruction
Breath.
11. being associated with the device of payer identity under a kind of payment environment, which is characterized in that described device includes,
Gathering module: for generating gathering instruction according to Transaction Information；
Receiving module: the payment instruction of the gathering instruction is responded for receiving payer；Link block: for being paid with generation
Connection is established in the payment application of instruction, obtains payer mark；
First transmission module: for, to first server, the first server to obtain payment by the payer identification transmission
Application identities, payment transaction information；
Second transmission module: for generating payer mark and corresponding payment application identities, the notice of payment transaction information, and
It is sent to second server.
12. a kind of cash receiving terminal, which is characterized in that the cash receiving terminal includes:
Processor；
Storage device, for storing program；
When the processor, which executes, stores program in storage device, the processor realizes such as claim 1-10 any one
The method.
13. a kind of storage medium, is stored thereon with computer program, which is characterized in that the computer program is held by processor
It realizes when row such as any one of claim 1-10 the method.
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| CN201811186261.1A CN109559104B (en) | 2018-10-12 | 2018-10-12 | Method and device for associating identity of payer in payment environment |
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| CN201811186261.1A CN109559104B (en) | 2018-10-12 | 2018-10-12 | Method and device for associating identity of payer in payment environment |
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