CN109636386B - System and method for issuing merchant payment code - Google Patents
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- CN109636386B CN109636386B CN201811482433.XA CN201811482433A CN109636386B CN 109636386 B CN109636386 B CN 109636386B CN 201811482433 A CN201811482433 A CN 201811482433A CN 109636386 B CN109636386 B CN 109636386B
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
- G06K17/00—Methods or arrangements for effecting co-operative working between equipments covered by two or more of main groups G06K1/00 - G06K15/00, e.g. automatic card files incorporating conveying and reading operations
- G06K17/0022—Methods or arrangements for effecting co-operative working between equipments covered by two or more of main groups G06K1/00 - G06K15/00, e.g. automatic card files incorporating conveying and reading operations arrangements or provisious for transferring data to distant stations, e.g. from a sensing device
- G06K17/0025—Methods or arrangements for effecting co-operative working between equipments covered by two or more of main groups G06K1/00 - G06K15/00, e.g. automatic card files incorporating conveying and reading operations arrangements or provisious for transferring data to distant stations, e.g. from a sensing device the arrangement consisting of a wireless interrogation device in combination with a device for optically marking the record carrier
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Abstract
The invention provides a merchant payment code issuing system, comprising: the system comprises a management end, an order receiving mechanism end and a business user end; the management end audits the acquiring mechanism, so that the legality of the acquiring mechanism can be guaranteed, the acquiring mechanism advances the member and issues the payment code to the merchant, the transaction amount of the merchant can be managed in a unified mode, and the transaction safety of consumers can be improved.
Description
Technical Field
The invention relates to the technical field of mobile payment, in particular to a system and a method for issuing a payment code of a merchant.
Background
In the prior art, consumers basically directly transact with merchants through payment channels, and malicious transactions often exist; in addition, the two-dimensional code used by the merchant is basically the two-dimensional code generated through the payment channel during transaction, the transaction process cannot be monitored, and the transaction security is poor.
Disclosure of Invention
Aiming at the defects in the prior art, the invention provides a merchant payment code issuing system and a merchant payment code issuing method, which can uniformly manage the transaction amount of a merchant, and further can improve the transaction safety of a consumer.
In a first aspect, the present invention provides a merchant payment code issuing system comprising: the system comprises a management end, an order receiving mechanism end and a business user end;
the management end is connected with the order receiving mechanism end; the order receiving mechanism end is connected with the merchant end;
the management terminal comprises: a first management module and a second management module;
the first management module includes: the system comprises an organization information acquisition unit, an organization auditing unit and an organization adding unit;
the mechanism information acquisition unit is used for acquiring basic information of the acquiring mechanism;
the institution auditing unit is used for auditing the acquired basic information;
the mechanism adding unit is used for adding the approved acquiring mechanism;
the second management module is used for checking the merchant information of the order receiving mechanism in real time;
the receipts mechanism end includes: the system comprises a merchant information acquisition module, a merchant auditing module, a merchant adding module, a payment code generating module and a payment code sending module;
the merchant information acquisition module is used for acquiring merchant information of a merchant;
the merchant auditing module is used for auditing the acquired merchant information;
the merchant adding module is used for adding merchants passing the auditing;
the payment code generating module is used for generating a payment code according to the merchant information of the merchant and the basic information of the acquiring mechanism;
and the payment code issuing module is used for sending the generated payment code to the corresponding merchant terminal.
Optionally, the first management module further includes: an organization information modification unit;
the mechanism information modifying unit is used for modifying the basic information of the added acquirer.
Optionally, the mechanism adding unit is configured to add the order receiving mechanism in an independent adding manner or a batch adding manner.
Optionally, the institution auditing unit is configured to audit the acquirer in the list to be audited; and after each audit is finished, deleting the corresponding audit receiving mechanism to be audited in the list to be audited.
Optionally, the second management module is further configured to manage usage rights of merchants of the acquirer packages.
Optionally, the picking-up mechanism end further includes: a merchant information modification module;
the merchant information modification module is used for modifying the added merchant information of the merchant.
Optionally, the payment code generating module is configured to generate a payment code according to the incoming item information of the merchant and the basic information of the corresponding acquiring organization based on the EMV standard.
In a second aspect, the present invention provides a method for issuing a payment code of a merchant, including:
the management end collects basic information of the acquiring mechanism; whether the basic information is qualified or not is checked, and an acquiring mechanism passing the checking is added;
acquiring merchant information of merchants by an acquirer end, checking whether the acquired merchant information is qualified or not, and adding merchants passing the checking; generating a payment code according to the merchant information of the merchant passing the verification and the basic information of the acquirer; and sending the payment code to the merchant location.
Optionally, the acquiring, by the management end, basic information of the acquirer includes:
the management end judges whether the order receiving mechanism is added or not;
if not, acquiring the basic information of the acquiring mechanism;
if yes, judging whether the basic information of the acquiring mechanism is complete; if yes, continuously judging whether the next acquiring mechanism is added or not; and if not, acquiring complete basic information of the acquiring mechanism.
Optionally, the acquiring mechanism end acquires merchant information of a merchant, including:
the order receiving mechanism end judges whether the merchant is fed with the order;
if not, acquiring complete information of the corresponding merchant;
if yes, judging whether the merchant information of the merchant is complete; if yes, continuously judging whether the next merchant is finished; and if not, acquiring complete merchant information.
The invention provides a merchant payment code issuing system, which can ensure the legality of an acquiring mechanism by auditing the acquiring mechanism through a management end, can uniformly manage the transaction amount of a merchant by advancing a member and issuing a payment code to the merchant through the acquiring mechanism, and further can improve the transaction safety of a consumer.
The merchant payment code issuing method provided by the invention has the same beneficial effects as the merchant payment code issuing system in the same inventive concept.
Drawings
In order to more clearly illustrate the detailed description of the invention or the technical solutions in the prior art, the drawings that are needed in the detailed description of the invention or the prior art will be briefly described below. Throughout the drawings, like elements or portions are generally identified by like reference numerals. In the drawings, elements or portions are not necessarily drawn to scale.
Fig. 1 is a schematic diagram of a merchant payment code issuing system according to an embodiment of the present invention;
fig. 2 is a flowchart of a method for issuing a merchant payment code according to an embodiment of the present invention.
Detailed Description
Embodiments of the present invention will be described in detail below with reference to the accompanying drawings. The following examples are only for illustrating the technical solutions of the present invention more clearly, and therefore are only examples, and the protection scope of the present invention is not limited thereby.
It is to be noted that, unless otherwise specified, technical or scientific terms used herein shall have the ordinary meaning as understood by those skilled in the art to which the invention pertains.
The invention provides a merchant payment code issuing system and a merchant payment code issuing method. Embodiments of the present invention will be described below with reference to the drawings.
Referring to fig. 1, fig. 1 is a schematic diagram of a merchant payment code issuing system according to an embodiment of the present invention, where the merchant payment code issuing system according to the embodiment includes: the system comprises a management end, an order receiving mechanism end and a business user end; the management end is connected with the order receiving mechanism end; the order receiving mechanism end is connected with the merchant end; the management terminal comprises: a first management module and a second management module; the first management module includes: the system comprises an organization information acquisition unit, an organization auditing unit and an organization adding unit; the mechanism information acquisition unit is used for acquiring basic information of the acquiring mechanism; the institution auditing unit is used for auditing the acquired basic information; the mechanism adding unit is used for adding the approved acquiring mechanism; the second management module is used for checking the merchant information of the order receiving mechanism in real time; the receipts mechanism end includes: the system comprises a merchant information acquisition module, a merchant auditing module, a merchant adding module, a payment code generating module and a payment code sending module; the merchant information acquisition module is used for acquiring merchant information of a merchant; the merchant auditing module is used for auditing the acquired merchant information; the merchant adding module is used for adding merchants passing the auditing; the payment code generating module is used for generating a payment code according to the merchant information of the merchant and the basic information of the acquiring mechanism; and the payment code issuing module is used for sending the generated payment code to the corresponding merchant terminal.
The use scene of the system is as follows: when a user purchases at a merchant, the user orders the acquirer through the merchant payment code, pays the transaction amount to the acquirer through the payment platform, and the acquirer performs settlement of the transaction amount with the merchant at a specified time. The management end can monitor the acquiring order of the acquiring mechanism in real time and can monitor the transaction behavior of the commercial tenant of the acquiring mechanism in real time. The merchant payment code needs to be issued by the acquiring mechanism, and the management end needs to ensure the reliability and the validity of the acquiring mechanism.
Wherein, the management end can be a central row end. E.g., a client in the indoxactory row.
Wherein, the payment code can be one of two-dimensional code, bar code and the like.
The management end audits the acquiring mechanism, so that the legality of the acquiring mechanism can be guaranteed, the acquiring mechanism advances the member and issues the payment code to the merchant, the transaction amount of the merchant can be managed in a unified mode, and the transaction safety of consumers can be improved.
In the invention, the use environment of the management end can be limited, for example, the management end is the central row end, and the system can be used only in the office environment of the central row. Preferably, the use environment can be limited by adopting a scheme of limiting the IP.
In the invention, the acquirer end has no registration entrance, and an acquirer needs to be added from the management end to create. Each acquirer may be provided with at least one administrator and at least one operator. The merchant side does not have a registered entrance of the merchant, and the merchant needs to be added from the acquirer side.
An administrator or an operator can add an order receiving mechanism at an administration end, when the administrator or the operator adds one order receiving mechanism, the system sends an activation mail to a mailbox of the order receiving mechanism, and the order receiving mechanism needs to log in the mailbox to activate an account within 48 hours and set a login password of the order receiving mechanism. If the account is not activated within 48 hours, the login password can only be reset through the password resetting process.
In the present invention, the management side includes: a first management module and a second management module; a first management module comprising: the system comprises an organization information acquisition unit, an organization auditing unit and an organization adding unit; the mechanism information acquisition unit is used for acquiring basic information of the acquiring mechanism; the institution auditing unit is used for auditing the acquired basic information; the mechanism adding unit is used for adding the approved acquiring mechanism.
The step of acquiring the basic information of the acquiring organization by the organization information acquisition unit comprises the following steps: first, searching for a relevant acquirer in an acquirer list, the search condition may include: an acquirer name (fuzzy match), Tax ID (i.e., NPWP), address, status, etc. Wherein, the list of the acquirers is arranged reversely according to the establishment time of the acquirers. Secondly, judging whether the acquiring mechanism is added or not, if so, judging whether the basic information of the acquiring mechanism is complete or not and needs to be modified or not, if the basic information is complete and does not need to be modified, continuously acquiring the basic information of a new acquiring mechanism, and if the basic information needs to be modified and the information is incomplete, acquiring the complete information of the acquiring mechanism; and if the information is not added, acquiring the basic information of the acquiring mechanism.
After the information is completely acquired, the manager needs to audit the acquired information, and if the audit is successful, a corresponding sheet collecting mechanism is added at the central row end; and if the audit is not passed, the basic information of the acquirer is collected again.
After the addition of the acquirer, the acquirer is required to confirm. The system automatically sends a registration mail to the mailbox of the order receiving mechanism, and the staff of the order receiving mechanism clicks the link in the mailbox to complete the registration process. The link in the mailbox has a valid period of 72 hours, and if the link is more than 72 hours, new mails need to be sent through the trigger system again. If the system sends a new mail in less than 72 hours in time, the old mail will also be invalid.
In the invention, when the order collecting mechanism is added, the order collecting mechanism can be added in an independent adding or batch adding mode.
In the case of independent additions, the administrator imports the files of the individual acquirer and reviews the addition process as described above. When adding in batches, the administrator imports files of a plurality of acquirers in batches, and the process of auditing the addition is as described above.
After the administrator finishes uploading the files of the acquirers, the system adds the information in the files into a list to be audited, the auditor audits the basic information of the acquirers in the audit list, and after the audit of each acquirer is finished, the system automatically deletes the corresponding acquirers to be audited in the list to be audited. Whether the audit is passed or not, the audit list disappears, and the system automatically sends the audit result to the submitter.
Wherein, the basic information of the acquirer may include: time (acquirer creation time); name (acquirer name); country (country to which the acquirer belongs); city (city of acquirer); address (acquirer address); a login name (login name of acquirer), and the like.
In the invention, the administrator can also check the basic information of the acquirer and the information of states (including normal, unavailable, failure in auditing, to be audited, four states) and the like in real time.
In the invention, the second management module is used for checking the merchant information of the order receiving mechanism in real time.
The merchant information may include: time: the creation time of the merchant; a merchant name; the sheet collecting mechanism comprises: all the acquiring mechanisms of the merchant are put in, and hidden display is not displayed; a merchant category; city: the city where the merchant is located; the merchant state: and 6 states of normal, forbidden, rejected, to-be-audited, normal-to-be-audited and forbidden-to-be-audited are available.
An operation column: normal, normal-to-be-audited state has a view detail and a disable button; a view detail button for checking the rejected and to-be-checked states; disable, disable-to-be-audited with view details and enable button.
The arrangement sequence of the merchants is inversely arranged according to the creation time of the merchants.
When the administrator finds that the merchant transaction is abnormal, the acquiring mechanism can disable the merchant, and further malicious merchant and consumer transaction are avoided.
Receive single mechanism end and include: the system comprises a merchant information acquisition module, a merchant auditing module, a merchant adding module, a payment code generating module and a payment code sending module; the merchant information acquisition module is used for acquiring merchant information of merchants; the merchant auditing module is used for auditing the acquired merchant information; the merchant adding module is used for adding merchants passing the auditing; the payment code generating module is used for generating a payment code according to the merchant information of the merchant and the basic information of the acquiring mechanism; the payment code issuing module is used for sending the generated payment code to the corresponding merchant terminal.
The acquiring mechanism end is used for the member-entering merchant and generating a payment code for the merchant.
The acquiring mechanism can add independent merchants or chain merchants when the business is the business.
The specific process of adding the commercial tenant is as follows:
firstly, whether a merchant has been processed by a system is inquired through NPWP/KTP/KITAS; if not, acquiring complete information of the corresponding merchant; if yes, judging whether the merchant information of the merchant is complete; if yes, continuously judging whether the next merchant is finished; and if not, acquiring complete merchant information.
Then, checking the acquired merchant information, and if the information passes the checking, adding the merchants passing the checking; and if the verification is not passed, acquiring the merchant information of the merchant again.
And finally, filling in merchant information according to the prompt to finish the incoming package.
The independent merchants and the chained merchants can be added in an independent adding mode or a batch adding mode. And when the batch adding is carried out, the batch adding is realized by batch import of files.
The information needed by the chain stores comprises: brand name: a brand name; a store name; the number of cashiers; address: the address of the store; a contact person; contacting the telephone; contact mailboxes, etc.
In the invention, the acquiring mechanism end can also modify the added merchant information of the merchants and update the merchant information in time.
In the invention, the payment code generating module can generate the payment code according to the incoming information of the merchant and the basic information of the corresponding acquiring organization based on the EMV standard. For example, the payment code may be generated based on a unique identification of the merchant's acquirer, an ID of the merchant's central row, an ID of the merchant's acquirer, the merchant type, and so forth.
The above provides a merchant payment code issuing system.
Based on the same inventive concept as the first embodiment, correspondingly, the embodiment of the present invention further provides a method for issuing a merchant payment code, as shown in fig. 2. Because the system embodiments are substantially similar to the method embodiments, they are described in a relatively simple manner, and reference may be made to some of the descriptions of the system embodiments for relevant points.
The invention provides a merchant payment code issuing method, which comprises the following steps:
step S101: the management end collects basic information of the acquiring mechanism; whether the basic information is qualified or not is checked, and an acquiring mechanism passing the checking is added;
step S102: acquiring merchant information of merchants by an acquirer end, checking whether the acquired merchant information is qualified or not, and adding merchants passing the checking; generating a payment code according to the merchant information of the merchant passing the verification and the basic information of the acquirer; and sending the payment code to the merchant location.
In a specific embodiment provided by the present invention, the acquiring, by the management end, basic information of the acquirer includes:
the management end judges whether the order receiving mechanism is added or not;
if not, acquiring the basic information of the acquiring mechanism;
if yes, judging whether the basic information of the acquiring mechanism is complete; if yes, continuously judging whether the next acquiring mechanism is added or not; and if not, acquiring complete basic information of the acquiring mechanism.
In a specific embodiment provided by the present invention, the acquiring unit end acquires merchant information of a merchant, including:
the order receiving mechanism end judges whether the merchant is fed with the order;
if not, acquiring complete information of the corresponding merchant;
if yes, judging whether the merchant information of the merchant is complete; if yes, continuously judging whether the next merchant is finished; and if not, acquiring complete merchant information.
In a specific embodiment provided by the present invention, the method further includes: the acquirer modifies merchant information.
In a specific embodiment provided by the present invention, the method further includes: and the management terminal modifies the basic information of the acquiring mechanism.
The invention provides a merchant payment code issuing method.
In the description of the present invention, numerous specific details are set forth. It is understood, however, that embodiments of the invention may be practiced without these specific details. In some instances, well-known methods, structures and techniques have not been shown in detail in order not to obscure an understanding of this description.
In the description herein, references to the description of the term "one embodiment," "some embodiments," "an example," "a specific example," or "some examples," etc., mean that a particular feature, structure, material, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the invention. In this specification, the schematic representations of the terms used above are not necessarily intended to refer to the same embodiment or example. Furthermore, the particular features, structures, materials, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples. Furthermore, various embodiments or examples and features of different embodiments or examples described in this specification can be combined and combined by one skilled in the art without contradiction.
Finally, it should be noted that: the above embodiments are only used to illustrate the technical solution of the present invention, and not to limit the same; while the invention has been described in detail and with reference to the foregoing embodiments, it will be understood by those skilled in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some or all of the technical features may be equivalently replaced; such modifications and substitutions do not depart from the spirit and scope of the present invention, and they should be construed as being included in the following claims and description.
Claims (10)
1. A merchant payment code issuance system, comprising: the system comprises a management end, an order receiving mechanism end and a business user end;
the management end is connected with the order receiving mechanism end; the order receiving mechanism end is connected with the merchant end;
the management terminal comprises: a first management module and a second management module;
the first management module includes: the system comprises an organization information acquisition unit, an organization auditing unit and an organization adding unit;
the mechanism information acquisition unit is used for acquiring basic information of the acquiring mechanism;
the institution auditing unit is used for auditing the acquired basic information;
the mechanism adding unit is used for adding the approved acquiring mechanism;
the second management module is used for checking the merchant information of the order receiving mechanism in real time;
the receipts mechanism end includes: the system comprises a merchant information acquisition module, a merchant auditing module, a merchant adding module, a payment code generating module and a payment code sending module;
the merchant information acquisition module is used for acquiring merchant information of a merchant;
the merchant auditing module is used for auditing the acquired merchant information;
the merchant adding module is used for adding merchants passing the auditing;
the payment code generating module is used for generating a payment code according to the merchant information of the merchant and the basic information of the acquiring mechanism;
and the payment code issuing module is used for sending the generated payment code to the corresponding merchant terminal.
2. The system of claim 1, wherein the first management module further comprises: an organization information modification unit;
the mechanism information modifying unit is used for modifying the basic information of the added acquirer.
3. The system of claim 1, wherein the mechanism adding unit is configured to add the acquirer mechanism by independent addition or batch addition.
4. The system according to claim 1, wherein the institution auditing unit is configured to audit the acquirer in the list to be audited; and after each audit is finished, deleting the corresponding audit receiving mechanism to be audited in the list to be audited.
5. The system of claim 1, wherein the second management module is further configured to manage usage rights of a merchant of the acquirer offer.
6. The system of claim 1, wherein the acquirer end further comprises: a merchant information modification module;
the merchant information modification module is used for modifying the added merchant information of the merchant.
7. The system of claim 1, wherein the payment code generation module is configured to generate the payment code based on EMV standards according to the incoming item information of the merchant and the basic information of the corresponding acquirer.
8. A method for issuing a payment code from a merchant, comprising:
the management end collects basic information of the acquiring mechanism; whether the basic information is qualified or not is checked, and an acquiring mechanism passing the checking is added;
acquiring merchant information of merchants by an acquirer end, checking whether the acquired merchant information is qualified or not, and adding merchants passing the checking; generating a payment code according to the merchant information of the merchant passing the verification and the basic information of the acquirer; and sending the payment code to the merchant location.
9. The method of claim 8, wherein the management end collects basic information of an acquirer, and comprises:
the management end judges whether the order receiving mechanism is added or not; if not, acquiring the basic information of the acquiring mechanism;
if yes, judging whether the basic information of the acquiring mechanism is complete; if yes, continuously judging whether the next acquiring mechanism is added or not; and if not, acquiring complete basic information of the acquiring mechanism.
10. The method of claim 8, wherein the acquiring unit collects merchant information of the merchant, and comprises:
the order receiving mechanism end judges whether the merchant is fed with the order;
if not, acquiring complete information of the corresponding merchant;
if yes, judging whether the merchant information of the merchant is complete; if yes, continuously judging whether the next merchant is finished; and if not, acquiring complete merchant information.
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| CN201811482433.XA CN109636386B (en) | 2018-12-05 | 2018-12-05 | System and method for issuing merchant payment code |
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| CN201811482433.XA CN109636386B (en) | 2018-12-05 | 2018-12-05 | System and method for issuing merchant payment code |
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| CN110728501B (en) * | 2019-09-30 | 2022-05-24 | 口碑(上海)信息技术有限公司 | Incoming part processing method and incoming part system |
| CN111222872B (en) * | 2020-01-08 | 2021-11-02 | 口碑(上海)信息技术有限公司 | User piece-entering method, device and system based on payment channel |
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| CN101004809A (en) * | 2006-08-25 | 2007-07-25 | 刘明晶 | Pay off method by credit card based on identity card |
| CN102024288B (en) * | 2009-09-11 | 2014-02-26 | ***股份有限公司 | Safe payment method and system using smart card |
| CN102184353A (en) * | 2011-04-02 | 2011-09-14 | 方园 | Method for preventing online payment data from being intercepted |
| EP2631860B1 (en) * | 2012-02-24 | 2016-02-24 | POSPartner GmbH | Sending a 2D code via a hardware interface of a Pin-Pad |
| CN103366272A (en) * | 2012-04-01 | 2013-10-23 | 罗宁 | Method for carrying out convenient payment by using intelligent mobile phone and tablet computer |
| CN104599123A (en) * | 2013-10-31 | 2015-05-06 | 腾讯科技（深圳）有限公司 | Management method for account information, account management server and a POS terminal and system |
| CN104217322A (en) * | 2014-08-22 | 2014-12-17 | 深圳市淘淘谷信息技术有限公司 | Communication method and system for realizing third-party account payment and settlement based on commercial tenant terminal equipment |
| CN107025549A (en) * | 2016-02-01 | 2017-08-08 | 北京数码视讯科技股份有限公司 | A kind of method of payment, device and system |
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