Background technology
Along with the further popularization and application of internet in China, shopping online become gradually people surf the net for one of.It is reported that CNNIC adopts the telephone poll mode, 08 year June 19 economically developed cities is investigated, 4 municipalities directly under the Central Government are Beijing, Shanghai, Chongqing and Tianjin, and 15 secondary provincial cities are Guangzhou, Shenzhen, Shenyang, Harbin, Changchun etc.Access object is the netizen who went up net and bought thing on the net in half a year.Report shows that in investigated 19 cities, shopping at network in the first half of the year amount of money has reached 16,200,000,000 yuan.From sex ratio, male sex's net purchase total charge is 8,400,000,000 yuan, and women's net purchase amount of money reaches 7,800,000,000 yuan a little less than the male sex.Wherein, student's net purchase half a year total charge has reached 3,100,000,000, nearly 1/4 of right and wrong student's net purchase half a year total charge.Have report to claim that 10 years Chinese net purchase market scales will reach 4,600,000,000 yuan, the online spending volume will account for more than 3% of total volume of retail sales when the time comes.
Existing network payment means also become increasingly abundant, can be by bank transfer, perhaps by network payment modes such as the Internet bank, Alipays.Yet some people does not have the Internet bank, even does not have bank card, and as students in middle and primary schools, this can bring very big inconvenience to network trading; A lot of people owing to there is not the Internet bank to the stepping back of shopping at network prestige.Wherein, some people Internet bank that has to be forced to handle.Bank transfer is also comparatively common as another modes of payments, but because remittance must just can be handled to bank counter, and the office hours of bank is shopper's the work and study time normally, this mode is also carried out shopping at network to the shopper and brought a lot of troubles.
And in order effectively to realize above-mentioned function, the hardware that provides is too complicated, influences follow-up implementation result.
The utility model content
The purpose of this utility model is exactly in order to solve the above-mentioned problems in the prior art, and a kind of transaction system of paying under the line that is applicable to is provided.
The purpose of this utility model is achieved through the following technical solutions:
Be applicable to the transaction system of paying under the line, include central server, wherein: be connected with payment terminal on the payment PORT COM of described central server, be connected with on client's PORT COM of described central server and choose client, be connected with on the transaction PORT COM of described central server and choose server, the described server of choosing is provided with auxiliary PORT COM, and described auxiliary PORT COM connects chooses client.
Further, the above-mentioned transaction system of paying under the line that is applicable to, wherein: the information input terminal mouth of described payment terminal is provided with and touches input module or non-touch assembly, be connected with the bank card recognizer on the amount of money load module of described payment terminal, or coin identifier, or contactless identification card module.
Further, the above-mentioned transaction system of paying under the line that is applicable to, wherein: described payment terminal is provided with printing interface, and described printing interface is provided with print module.
Further, the above-mentioned transaction system of paying under the line that is applicable to, wherein: be connected with retail terminal POS machine on the described payment terminal.
Again further, the above-mentioned transaction system of paying under the line that is applicable to, wherein: the described client of choosing is computing machine, or hand-held mobile terminal, or touch terminal equipment.
The advantage of technical solutions of the utility model is mainly reflected in: rely on central server and payment terminal, choose client, choose cooperatively interacting between the server, can effectively realize paying under the line.Thus, the shopper can be at convenience store's payment purchase expenses of periphery, for the shopper who does not have the Internet bank brings great convenience.
Embodiment
As shown in Figure 1 be applicable to the transaction system of paying under the line, include central server 1, its unusual part is: be connected with payment terminal 2 on the payment PORT COM of central server that the utility model adopts 1.Specifically, be connected with in client's PORT COM of central server 1 and choose client 3.Simultaneously, for the ease of the conduction of Transaction Information, be connected with in the transaction PORT COM of central server 1 and choose server 4, choose server 4 and be provided with auxiliary PORT COM, described auxiliary PORT COM connects chooses client 3.Certainly, for the ease of various transmission of Information facilities, the communication between each terminal can be adopted the Internet link, or WAP, 3G transmission, or the IVR transmission, or SMS communication realizes.
With regard to the utility model one preferred implementation, easy-to-use for the ease of payment terminal 2, realize that monetary information exchanges fast, the information input terminal mouth of the payment terminal 2 of employing is provided with and touches input module or non-touch assembly 5, is convenient to the typing of relevant information.Simultaneously, be connected with bank card recognizer 6 on the amount of money load module of payment terminal 2 and/or be coin identifier 7.Certainly, also can connect
The contactless identification card module.
Certainly, in order to realize corresponding receipt and payment documents, payment terminal 2 is provided with printing interface, and described printing interface is provided with print module 8.And, in order to improve the convenient degree of payment, be connected with retail terminal POS machine 9 in payment terminal 2.Specifically, when reality is implemented, POS machine 9 also can with choose client 3 and link to each other, allow the user realize autonomous payment.
Further, consider the whole convenient degree of using, can carry out effectively alternately with existing common digital equipment that reduce input cost, the client 3 of choosing of employing is computing machine.Certainly, also can be the existing hand-held mobile terminal of comparatively popularizing.Specifically, for ease of implementing, can adopt the terminal of touch-screen.
In conjunction with actual operating position of the present utility model:
Embodiment one
The user enters specific shopping website (can be other paying websites certainly) choosing client 3, the described client 3 of choosing comprises first login module, the identity information of first login module checking user input is able to after being proved to be successful be connected with a central server 1.The described client 3 of choosing can be computing machine or hand-held mobile terminal (as mobile phone).
Choose client 3 and comprise second login module, the identity information of second login module checking user input is able to after being proved to be successful connect with the corresponding server 4 of choosing.
Here the priority that is noted that steps A, step B can be any.The user enters certain shopping website, and this shopping website is supported the modes of payments of the present invention, and this moment, the user need be through twice login, connect respectively central server 1 and user login the website correspondence choose server 4.
The user selects commodity (can certainly be service) by the described client 3 of choosing, and chooses client 3 or choose server 4 to generate order, with user profile, merchandise news packing, is sent to described central server 1 simultaneously.At this moment, choosing client 3 needs central server 1 to generate a unique identification code.
Choose client 3 and can sequence information be sent to central server 1 by choosing server 4.
Central server 1 is chosen the information that client 3 sends according to correspondence and is generated a unique identification code, is sent to the corresponding client 3 of choosing, and perhaps can also be sent to the handheld terminal of respective user.Described identification code is character string or one dimension sign indicating number or two-dimension code.Described central server 1 is sent to and also comprises time of payment information in the information of choosing client 3, the user need be in this time limit defrayment, otherwise this order is regarded as recalling automatically.Perhaps, time of payment information can be sent to and chooses client 3 by choosing server 4.
The user is according to described unique identification sign indicating number to a payment terminal 2 defrayments, and described payment terminal 2 connects described central server 1, and described unique identification sign indicating number is sent to central server 1 verification.
The verification content comprises: whether checking unique identification sign indicating number is wrong, verifies whether the time of payment of this unique identification sign indicating number correspondence is expired, verifies whether the order of this unique identification sign indicating number correspondence is paid; After the verification succeeds, revise in the described unique identification sign indicating number corresponding informance whether prepaid attribute of representative, send the information of informing simultaneously to described central server 1.The payment terminal 2 that described payment terminal 2 can be convenience store or supermarket.
In addition, payment terminal 2 can also be connected with paying server, and payment terminal 2 is by paying server and central server 1 interactive information.Central server 1 is after receiving payment information, and notice is corresponding chooses server 4.Choose server 4 after the information that receives central server 1, revise whether prepaid attribute of order representative.So far, user's payment process namely comes to an end, and chooses the businessman that server 4 can be notified provides commodity (not choosing website self if this businessman is not this).
Embodiment two
Middle school student A often surfs the Net, and sees that the commodity that a certain businessman provides in the network (as a mobile phone) are more much lower than the price on the market, wants to buy this commodity by network.The modes of payments that provides on the shopping website comprises: (1) Alipay; (2) Internet bank's remittance; (3) bank transfer; (4) convenience store's payment.
Wherein, (1), (2) plant the modes of payments needs Web bank, middle school student A does not have Web bank owing to be the minor; (3) kind mode needs learning time to arrive the bank counter payment of a certain family, owing to be evening, can't pay the bill, and second day is again learning time simultaneously; So select (4) to plant the modes of payments.
Middle school student A has registered the account of certain shopping website, the account of the shop payment service that facilitates respectively.So entered the flow process of method among the embodiment one:
Middle school student A enters certain shopping website (as Taobao, new egg net) by a PC, then logins this shopping website, payment service software respectively; Like this, this PC with choose server 4, central server 1 is connected.
Middle school student A chooses the mobile phone of oneself liking, chooses server 4 and generates order by PC; Choose server 4 or PC sequence information is sent to central server 1.
Central server 1 generates a unique identification code according to sequence information, and in the present embodiment, this unique mark code is a character string.Middle school student A can note this character string, and preferred mode is: central server 1 or choose server 4 this character string is sent in the mobile phone of middle school student A.
Described central server 1 is sent in the information of PC and also comprises time of payment information, the user need be in this time limit defrayment, otherwise this order is regarded as recalling automatically.Perhaps, time of payment information can be sent to PC by choosing server 4.
Near the middle school student A extremely convenience store's defrayment of family (can adopt other modes certainly by paying in cash; In addition, also can arrive other pay point defrayments), at least one payment terminal 2 is set in the convenience store.Middle school student A or salesman input to payment terminal 2 with the unique identification sign indicating number, payment terminal 2 is sent identification code into central server 1 checking, if this identification code of checking is correct, payment terminal 2 feeds back to central server 1 with payment result, central server 1 is informed the corresponding server 4 of choosing again, revises the pay status of corresponding order.
So far, the payment process of middle school student A namely comes to an end, and chooses the businessman that server 4 can be notified provides commodity (as Taobao).
By above-mentioned character express as can be seen, behind employing the utility model, rely on central server and payment terminal, choose client, choose cooperatively interacting between the server, can effectively realize paying under the line.Thus, the shopper can be at convenience store's payment purchase expenses of periphery, for the shopper who does not have the Internet bank brings great convenience.