WO2017128684A1 - 一种交易***及交易处理方法 - Google Patents

一种交易***及交易处理方法 Download PDF

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Publication number
WO2017128684A1
WO2017128684A1 PCT/CN2016/093600 CN2016093600W WO2017128684A1 WO 2017128684 A1 WO2017128684 A1 WO 2017128684A1 CN 2016093600 W CN2016093600 W CN 2016093600W WO 2017128684 A1 WO2017128684 A1 WO 2017128684A1
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information
equity
transaction
identity
identity information
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PCT/CN2016/093600
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English (en)
French (fr)
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胡卓磊
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上海新卡说信息技术有限公司
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Publication of WO2017128684A1 publication Critical patent/WO2017128684A1/zh

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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
    • G06Q30/00—Commerce
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/387—Payment using discounts or coupons

Definitions

  • the present invention relates to the field of Internet, and in particular, to a transaction system and a transaction processing method.
  • the technical problem solved by the present invention is to improve the efficiency of the trading system.
  • an embodiment of the present invention provides a transaction system, where the transaction system includes a transaction terminal and a transaction server, where:
  • the transaction terminal is adapted to receive or generate transaction request information, where the transaction request information includes transaction information and identity information;
  • the transaction server includes:
  • the technical problem solved by the present invention is to improve the efficiency of the trading system.
  • an embodiment of the present invention provides a transaction system, including: a terminal and a transaction server; wherein:
  • the terminal is adapted to receive or generate transaction information, identity information, and rights channel information
  • the transaction server is adapted to query the equity information database according to the equity channel information and the identity information to generate actual payment information, and send the actual payment information to the terminal.
  • the transaction server includes:
  • a first searching unit configured to determine, in the equity information database, an equity information sub-library pointed by the rights channel information according to the rights channel information;
  • a second searching unit in the interest information sub-library, querying the equity information associated with the identity information according to the identity information;
  • a calculating unit calculating the actual payment information according to the transaction information and the equity information
  • a communication unit that transmits the actual payment information to the terminal.
  • the second searching unit includes:
  • a type determining subunit determining a type of index identity information in the equity information sub-library
  • the transaction server further includes:
  • a record generating unit configured to generate a transaction record, where the transaction record includes an identifier of the terminal and the rights channel information.
  • the equity information sub-library is located at a remote equity channel server.
  • the equity information base is a local equity information base.
  • the transaction server periodically queries the remote equity channel server to update the equity information database.
  • the equity information includes discount information and/or point redemption information.
  • the transaction information includes transaction total amount information and equity amount information.
  • the terminal determines the identity information by identifying a user identity card.
  • the identity information includes at least one of the following: a bank card number, a membership card number, identification information for Apple payment, identification information for Huawei payment, identification information for Samsung payment, and user physiological identification data.
  • the user identification card is a bank card and/or a membership card.
  • the embodiment of the invention further provides a transaction processing method, including:
  • the terminal is adapted to receive or generate transaction information, identity information, and rights channel information
  • the querying the equity information database according to the rights channel information and the identity information to generate the actual payment information includes:
  • the actual payment information is calculated based on the transaction information and the equity information.
  • the querying the equity information associated with the identity information in the equity information sub-account according to the identity information includes:
  • the transaction processing method further includes: generating a transaction record, where the transaction record includes an identifier of the terminal and the rights channel information.
  • the equity information includes discount information and/or point redemption information.
  • the transaction information includes transaction total amount information and equity amount information.
  • the identity information includes at least one of the following: a bank card number, a membership card number, identification information for Apple payment, identification information for Huawei payment, identification information for Samsung payment, and user physiological identification data.
  • the terminal receives the transaction information, the identity information, and the equity channel information, and the transaction server queries the equity information database according to the equity channel information and the identity information to generate payment information, and sends the actual payment information to the terminal.
  • the transaction server is used to summarize and calculate the information between different subjects, and finally the payment information is uniformly sent to the terminal, which can reduce the platform difference between multiple subjects, and does not need the terminal to process different rights channel information and identity information, and provides the terminal with different processing.
  • a unified interface that simplifies terminal operations and increases the efficiency of the trading system.
  • FIG. 1 is a schematic structural diagram of a transaction system in an embodiment of the present invention.
  • FIG. 2 is a schematic structural diagram of a transaction server according to an embodiment of the present invention.
  • FIG. 3 is a flow chart of a transaction processing method in an embodiment of the present invention.
  • step S32 is a flow chart of a specific implementation of step S32 in the embodiment shown in FIG.
  • the transaction information, the identity information, and the rights channel information are received by the terminal, and the transaction server queries the equity information database according to the rights channel information and the identity information to generate payment information, and sends the actual payment information to the terminal.
  • the transaction server is used to summarize and calculate the information between different subjects, and finally the payment information is uniformly sent to the terminal, which can reduce the platform difference between multiple subjects, and does not need the terminal to process different rights channel information and identity information, and provides the terminal with different processing.
  • a unified interface that simplifies terminal operations and increases the efficiency of the trading system.
  • FIG. 1 is a schematic structural diagram of a transaction system in an embodiment of the present invention.
  • the transaction system can include a terminal 11 and a transaction server 12. Although only one terminal 11 is shown in the figure, the transaction server 12 can be connected to a plurality of terminals 11 to receive information from the terminal 11.
  • the terminal 11 is adapted to receive transaction information, identity information, and rights channel information.
  • the transaction information is information corresponding to the specific transaction content, and may include, for example, transaction total amount information and equity amount information.
  • the equity amount information may be an amount that can enjoy the discount, and may be calculated according to the setting of the merchant where the terminal 11 is located. For example, when the terminal 11 is a terminal of the catering industry, the merchant sets the beverage to not participate in the preferential activity, and the equity amount information is the total amount of consumption minus the amount of the alcohol consumption.
  • the total transaction amount information and the equity amount information can be It is generated by the terminal 11 or received by the terminal 11.
  • the identity information is an identity identifier corresponding to the user: it may be a document number, a mobile phone number, a bank card number, a membership card number, identification information for Apple payment, identification information for Huawei payment, identification information for Samsung payment, and the like. It can also be physiological identification data such as user's fingerprint, voiceprint, facial feature information, etc., using user physiological identification data as identity information, and also has high security.
  • the terminal 11 can obtain identity information in various manners, for example, by directly inputting, scanning the identification card, or acquiring by using the smart device of the user.
  • the identity information of the user is obtained by using the smart device of the user, for example, by using the smart phone of the user.
  • the user identity information may be obtained from the smart device of the user by means of (Near Field Communication, NFC), or may be the identification information generated by the third party by using a Magnetic Secure Transmission (MST ) . It may be identification information for Apple Pay, Huawei Pay, and Samsung Pay (for example, an identification number for identifying a user).
  • NFC Near Field Communication
  • MST Magnetic Secure Transmission
  • both the Apple payment and the Huawei payment use the NFC technology.
  • the terminal 11 obtains the identification information of the identity information in the user's smart phone through the NFC technology, and the identification information is usually bound to the bank account. Used for payment.
  • the terminal 11 can obtain identity information from the user's Samsung smart device through the MST.
  • the identity information can be sent to perform payment. It can be expected that the user's physiology is adopted in combination with the embodiment of the present invention.
  • the sex identification data can omit the process of security verification and improve the payment efficiency.
  • the terminal 11 determines the identity information by identifying a user identification card.
  • the user identification card may be a bank card and/or a membership card. Accordingly, the identity information may be a bank card number or a membership card number corresponding to the user identification card.
  • the user's face may be scanned by the face recognition device, the voiceprint recognition device recognizes the user's voice, and the iris recognition device scans the user's eyes to determine the identity information of the user.
  • the face recognition device, the voiceprint recognition device, and the iris recognition device may be dedicated devices, or may be located in the payment terminal, for example, in a POS machine.
  • the transaction system may associate all identity information corresponding to the same user, and may also generate a user ID of the transaction system corresponding to all identity information of the user, so as to facilitate user identification and user management.
  • the rights channel information represents a channel that the user desires or can enjoy the rights, and may be information pointing to the merchant member system or pointing to a certain preferential platform.
  • the transaction server 12 is adapted to query the equity information base according to the equity channel information and the identity information to generate actual payment information, and send the actual payment information to the terminal 11.
  • the different rights channel information may point to different equity information databases, and the equity information database is queried in combination with the identity information, and the transaction server 12 may determine the preferentially available to the user, thereby generating Actual payment information.
  • FIG. 2 is a schematic structural diagram of a transaction server in an embodiment of the present invention.
  • the transaction server 12 may include: a first searching unit 21, configured to determine, in the equity information database, an equity information sub-library pointed to by the equity channel information according to the equity channel information; and a second searching unit 22, according to the Identity information, in the equity information sub-database, querying the equity information associated with the identity information; the calculating unit 23, calculating the actual payment information according to the transaction information and the equity information; the communication unit 24, The actual payment information is sent to the terminal.
  • a first searching unit 21 configured to determine, in the equity information database, an equity information sub-library pointed to by the equity channel information according to the equity channel information
  • a second searching unit 22 according to the Identity information, in the equity information sub-database, querying the equity information associated with the identity information
  • the calculating unit 23 calculating the actual payment information according to the transaction information and the equity information
  • the communication unit 24 The actual payment information is sent to the terminal.
  • the equity information may include discount information and/or point redemption information.
  • the transaction system can also include a remote equity channel server 13. Although only one remote rights channel server 13 is shown in FIG. 1, the transaction server 12 can be connected to a plurality of remote rights channel servers 13.
  • the remote equity channel server 13 may be a server of a merchant or a preferential platform server, such as a server of various group purchase activities, or a bank server.
  • the different equity information sub-libraries may be located in different remote equity channel servers 13, and the first search unit 21 determines the location of the corresponding equity information sub-libraries through the equity channel information.
  • the second search unit 22 searches for the equity information associated with the identity information, which has strong real-time performance and can be guaranteed. The accuracy of the actual payment information.
  • the equity information base may be a local equity information base.
  • the second search unit 22 searches the equity information associated with the identity information in real time, and the dependence on the network is high. When the network communication quality is poor, it may be difficult to complete the calculation of the actual payment information in time. In order to improve the efficiency of the transaction system and take into account the customer experience when the network condition is poor, local rights including multiple equity information sub-libraries can be set locally. database.
  • the transaction server 12 can query the remote equity channel server 13 at a predetermined time, that is, query the remote equity channel server 13 at a particular time to update the local equity information base. For example, a fixed time interval may be set to query the remote equity channel server 13; or according to the running status of the transaction server 12, when the transaction server 12 has fewer tasks, the remote rights channel server 13 may be queried; or according to the network environment, The remote equity channel server 13 is queried at a suitable time to update the local equity information base.
  • the synchronization of the information in the local equity database and the remote equity channel server 13 can be improved, thereby improving the accuracy of calculating the actual payment information while improving the transaction efficiency.
  • the transaction system includes both the local equity information database and the equity information sub-library located in the remote equity channel server 13, and the equity information sub-library used by the second search unit 22 can be set as needed. .
  • it may be set according to the network communication quality: when the network quality is good, the priority information sub-library located in the remote equity channel server 13 is preferentially queried; when the network quality is poor, the local equity information database is preferentially queried.
  • the equity information refers to information that the user can influence the final actual payment information in the transaction, and such effects may be discounts, deductions, and the like.
  • the equity information may include discount information and/or point redemption information.
  • the equity information may be set by the remote equity channel server 13, for example, the merchant may set a product discount corresponding to different members through the remote equity channel server 13, or set a point redemption rule; the bank may also be set by the remote equity channel server 13. Member points redemption rules; the discount platform can also set discounts or other preferential rules through the remote equity channel server 13.
  • the second searching unit 22 may query the equity information associated with the identity information; the calculating unit 23 may calculate the actual payment information according to the transaction information and the equity information. For example, when the identity information is the membership card number, the second searching unit 22 searches for the equity information sub-library pointed to by the rights channel information, and searches for the equity information corresponding to the member card number to be 50%, and the calculating unit 23 will be in the transaction information. The amount of the equity can be calculated according to the 50% discount, and the actual payment information is obtained.
  • the second searching unit 22 may include: a type determining subunit, determining a type of index identity information in the equity information sub-library; converting the sub-unit, converting the identity information into a location The matching identity information of the same type of the index identity information; the query subunit, querying the equity information sub-account according to the matching identity information to obtain the equity information.
  • the transaction server 12 can associate all the bodies corresponding to the same user.
  • the information is generated, and an identity information database is generated, and all the identity information of the user can be associated with the user ID used in the transaction system, so as to facilitate user identification and user management. Therefore, when the identity information acquired by the terminal 11 does not match the identity information type as the index in the equity information database, the transaction server 12 may query the identity information database according to the identity information type required by the equity information database, if the identity information database includes the same The matching identity information of the type of the user is used to retrieve the equity information database by using the matching identity information to obtain the equity information.
  • the transaction server 12 queries the identity information database to see if there is a membership card number associated with the bank card number. If there is a membership card number associated with the bank card number, the membership card number is used to retrieve the equity information base to obtain the equity information.
  • the manual intervention in the transaction process can be reduced. To improve the efficiency of the trading system.
  • the transaction server 12 further includes a record generation unit (not shown) for generating a transaction record, the transaction record including the identifier of the terminal 11 and the rights channel information.
  • the transaction record is generated by the record generation unit, which can make the subsequent data analysis and processing have a clear basis.
  • the transaction information is generated by the transaction server 12, and the time and amount of the entity consumption can be clearly known, and the record is recorded by the recording unit to generate a transaction record, which can provide basis and evidence for subsequent data analysis and processing. For example, it can be done later Big data analysis of user behavior, or the basis for subsequent settlement actions by merchants and discount platforms based on transaction records.
  • the transaction information, the identity information, and the equity channel information are received by the terminal, and the transaction server queries the equity information database according to the rights channel information and the identity information to generate payment information, and sends the actual payment information to the terminal.
  • the transaction server is used to summarize and calculate the information between different subjects, and finally the payment information is uniformly sent to the terminal, which can reduce the platform difference between multiple subjects, and does not need the terminal to process different rights channel information and identity information, and provides the terminal with different processing.
  • a unified interface that simplifies terminal operations and increases the efficiency of the trading system.
  • the embodiment of the present invention further provides a transaction processing method, and a flowchart thereof is shown in FIG. 3.
  • step S31 the terminal receives or generates transaction information, identity information, and rights channel information.
  • the transaction information may include transaction total amount information and equity amount information.
  • the identity information may include at least one of the following: a bank card number, a membership card number, identification information for Apple payment, identification information for Huawei payment, identification information for Samsung payment, and user physiological identifier. data.
  • step S32 the equity information database is queried according to the rights channel information and the identity information to generate actual payment information, and the actual payment information is sent to the terminal.
  • step S32 may include:
  • Step S321 determining, in the equity information database, the equity information sub-library pointed to by the equity channel information according to the equity channel information.
  • Step S322 Query, according to the identity information, the equity information associated with the identity information in the equity information sub-database.
  • step S322 may include: determining a type of index identity information in the equity information sub-library; converting the identity information into the index identity information Matching identity information of the same type; querying the equity information sub-account according to the matching identity information to obtain the equity information.
  • Step S323 calculating the actual payment information according to the transaction information and the equity information.
  • the transaction processing method may further include:
  • Step S33 generating a transaction record, where the transaction record includes the identifier of the terminal and the rights channel information.
  • the program may be stored in a computer readable storage medium, and the storage medium may include: ROM, RAM, disk or CD.

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Abstract

一种交易***及交易处理方法，所述交易***包括：终端以及交易服务器；其中：所述终端适于接收或生成交易信息、身份信息以及权益渠道信息；所述交易服务器适于根据所述权益渠道信息以及所述身份信息查询权益信息库，以生成实际支付信息，向所述终端发送所述实际支付信息。所述交易***及交易处理方法可以提高交易效率。

Description

一种交易***及交易处理方法
本申请要求2016年01月29日提交中国专利局、申请号为201610069317.X、发明名称为“一种交易***及交易处理方法”的中国专利申请的优先权，其全部内容通过引用结合在本申请中。
技术领域
本发明涉及互联网领域，尤其涉及一种交易***及交易处理方法。
背景技术
随着网络技术的发展，越来越多的服务通过网络提供，越来越多的行为可以通过网络完成，例如通过网络进行查询、预约、购买等等。
但是，由于网络连接了越来越多的主体，例如商家平台、第三方优惠平台等，也会导致网络交易效率较低。
发明内容
本发明解决的技术问题是提高交易***的效率。
为解决上述技术问题，本发明实施例提供一种交易***，所述交易***包括交易终端和交易服务器，其中：
所述交易终端，适于接收或生成交易请求信息，所述交易请求信息包括交易信息和身份信息；
所述交易服务器包括：
本发明解决的技术问题是提高交易***的效率。
为解决上述技术问题，本发明实施例提供一种交易***，包括：终端以及交易服务器；其中：
所述终端适于接收或生成交易信息、身份信息以及权益渠道信息；
所述交易服务器适于根据所述权益渠道信息以及所述身份信息查询权益信息库，以生成实际支付信息，向所述终端发送所述实际支付信息。
可选的，所述交易服务器包括：
第一查找单元，适于根据所述权益渠道信息在所述权益信息库中确定由所述权益渠道信息指向的权益信息子库；
第二查找单元，根据所述身份信息，在所述权益信息子库中查询与所述身份信息关联的权益信息；
计算单元，根据所述交易信息和权益信息，计算得到所述实际支付信息；
通信单元，将所述实际支付信息发送至所述终端。
可选的，所述第二查找单元包括：
类型确定子单元，确定所述权益信息子库中索引身份信息的类型；
转换子单元，将所述身份信息转换为与所述索引身份信息的类型相同的匹配身份信息；
查询子单元，根据所述匹配身份信息查询所述权益信息子库，以获得所述权益信息。
可选的，所述交易服务器还包括：
记录生成单元，用于生成交易记录，所述交易记录包含所述终端的标识和所述权益渠道信息。
可选的，所述权益信息子库位于远程权益渠道服务器。
可选的，所述权益信息库是本地权益信息库。
可选的，所述交易服务器定时向远程权益渠道服务器查询，以更新所述权益信息库。
可选的，所述权益信息包括折扣信息和/或积分兑换信息。
可选的，所述交易信息包括交易总金额信息和权益金额信息。
可选的，所述终端通过识别用户标识卡来确定所述身份信息。
可选的，所述身份信息包括以下至少一种：银行***、会员***、用于苹果支付的标识信息、用于华为支付的标识信息、用于三星支付的标识信息、用户生理性标识数据。
可选的，所述用户标识卡为银行卡和/或会员卡。
本发明实施例还提供一种交易处理方法，包括：
终端适于接收或生成交易信息、身份信息以及权益渠道信息；
根据所述权益渠道信息以及所述身份信息查询权益信息库，以生成实际支付信息，向所述终端发送所述实际支付信息。
可选的，所述据所述权益渠道信息以及所述身份信息查询权益信息库，以生成实际支付信息包括：
根据所述权益渠道信息在所述权益信息库中确定由所述权益渠道信息指向的权益信息子库；
根据所述身份信息，在所述权益信息子库中查询与所述身份信息关联的权益信息；
根据所述交易信息和权益信息，计算得到所述实际支付信息。
可选的，所述根据所述身份信息，在所述权益信息子库中查询与所述身份信息关联的权益信息包括：
确定所述权益信息子库中索引身份信息的类型；
将所述身份信息转换为与所述索引身份信息的类型相同的匹配身份信息；
根据所述匹配身份信息查询所述权益信息子库，以获得所述权益 信息。
可选的，所述交易处理方法还包括：生成交易记录，所述交易记录包含所述终端的标识和所述权益渠道信息。
可选的，所述权益信息包括折扣信息和/或积分兑换信息。
可选的，所述交易信息包括交易总金额信息和权益金额信息。
可选的，所述身份信息包括以下至少一种：银行***、会员***、用于苹果支付的标识信息、用于华为支付的标识信息、用于三星支付的标识信息、用户生理性标识数据。
与现有技术相比，本发明实施例的技术方案具有以下有益效果：
通过终端接收交易信息、身份信息以及权益渠道信息，由交易服务器根据权益渠道信息以及身份信息查询权益信息库，生成支付信息，并向终端发送实际支付信息。利用交易服务器对不同主体间信息进行汇总和计算，最终统一将支付信息发送至终端，可以减小多个主体间的平台差异，无需终端对应权益渠道信息和身份信息进行不同的处理，为终端提供统一的接口，简化终端操作，从而提高交易***的效率。
附图说明
图1是本发明实施例中一种交易***的结构示意图；
图2是本发明实施例中一种交易服务器的结构示意图；
图3是本发明实施例中一种交易处理方法的流程图；
图4是如图3所示实施例中步骤S32的一种具体实施的流程图。
具体实施方式
如前所述，随着网络技术的发展，越来越多的服务通过网络提供，越来越多的行为可以通过网络完成，例如通过网络进行查询、预约、 购买等等。但是，也正是由于网络连接了越来越多的主体，大量的信息也会给网络用户带来困扰，进而导致网络交易效率较低。
经发明人研究发现，在交易过程中往往会涉及多个商家及优惠平台，不同的商家及优惠平台均具有各自的会员体系，在交易时，需消费者往往需要登陆到不同的商家或优惠平台查询优惠活动并进行支付，造成较大的不便。且在支付完毕后，在实体店面进行消费时，还需再次进行支付信息的核对，以进行确认。由于交易过程涉及多个***，跨越购买及消费多个时间段，造成了交易效率较低。
在本发明实施例中，通过终端接收交易信息、身份信息以及权益渠道信息，由交易服务器根据权益渠道信息以及身份信息查询权益信息库，生成支付信息，并向终端发送实际支付信息。利用交易服务器对不同主体间信息进行汇总和计算，最终统一将支付信息发送至终端，可以减小多个主体间的平台差异，无需终端对应权益渠道信息和身份信息进行不同的处理，为终端提供统一的接口，简化终端操作，从而提高交易***的效率。
为使本发明的上述目的、特征和有益效果能够更为明显易懂，下面结合附图对本发明的具体实施例做详细的说明。
图1是本发明实施例中一种交易***的结构示意图。
交易***可以包括终端11和交易服务器12。虽然图中仅示出一个终端11，但交易服务器12可以连接至多个终端11，接收来自终端11的信息。
终端11适于接收交易信息、身份信息以及权益渠道信息。
交易信息是对应于具体交易内容的信息，例如可以包括交易总金额信息和权益金额信息。权益金额信息可以是能够享受优惠的金额，可以根据终端11所在的商家的设置计算。例如当终端11为餐饮行业的终端时，商家设定为酒水不参加优惠活动，此时权益金额信息为消费总金额减去酒水消费金额。交易总金额信息和权益金额信息均可以 由终端11生成，或者由终端11接收。
身份信息为对应于用户的身份识别标识：可以是证件号码、手机号、银行***、会员***、用于苹果支付的标识信息、用于华为支付的标识信息、用于三星支付的标识信息等标识；也可以是用户的指纹、声纹、面部特征信息等生理性标识性数据，利用用户生理性标识数据作为身份信息，同时也具有较高的安全性。
终端11可以通过多种方式来获取身份信息，例如可以通过直接输入的方式、扫描识别卡的方式或者以用户的智能设备为中介获取。
在本发明一实施例中，用户的身份信息以用户的智能设备为中介获取，例如可以通过用户的智能手机获取。
具体地，可以通过(Near Field Communication，NFC)的方式，或者可以通过磁力安全传输技术(Magnetic Secure Transmission，MST)从用户的智能设备获取用户身份信息；身份信息可以是第三方生成的标识信息，可以是用于苹果支付(Apple Pay)、华为支付(Huawei Pay)、三星支付(Samsung Pay)的标识信息(例如用于标识用户的标识号)。
例如：苹果支付和华为支付均利用NFC技术；在苹果支付或华为支付的应用场景中，终端11通过NFC技术获取用户智能手机中作为身份信息的标识信息，该标识信息通常与银行账号绑定以用于支付。
又例如，三星支付通过MST进行数据的传输，在三星支付的应用场景中，终端11可以通过MST从用户的三星智能设备中获取身份信息。
在现有的手机商进行支付时，往往还需要进行安全性验证，例如需要在指纹验证成功后，才可以发送身份信息以进行支付；可以展望的是，若结合本发明实施例，采用用户生理性标识数据作为身份信息，则可以省略安全性验证的过程，提高支付效率。
在本发明另一实施例中，终端11通过识别用户标识卡来确定所述身份信息。用户标识卡可以是银行卡和/或会员卡，相应地，所述身份信息可以是与用户标识卡对应的银行***或会员***。
在本发明另一实施例中，也可以通过脸部识别设备扫描用户脸部，声纹识别设备识别用户声音，虹膜识别设备扫描用户眼部等方式来确定用户的身份信息。上述脸部识别设备、声纹识别设备、虹膜识别设备可以是专用的设备，或者也可以位于收款终端内，例如位于POS机内。
在具体实施中，交易***可以关联对应同一用户的所有身份信息，也可以对应该用户的所有身份信息生成交易***的用户ID，以便于用户识别和用户管理。
权益渠道信息表征用户期望或能够享受权益的渠道，可以是指向商家会员***或指向某个优惠平台的信息。
交易服务器12适于根据所述权益渠道信息以及所述身份信息查询权益信息库，以生成实际支付信息，向所述终端11发送所述实际支付信息。
由于权益渠道信息表征用户期望享受权益的渠道，不同的权益渠道信息可以指向不同的权益信息库，结合身份信息查询所述权益信息库，交易服务器12可以确定该用户可以享受的优惠，从而可以生成实际支付信息。
图2是本发明实施例中一种交易服务器的结构示意图。
交易服务器12可以包括：第一查找单元21，适于根据所述权益渠道信息在所述权益信息库中确定由所述权益渠道信息指向的权益信息子库；第二查找单元22，根据所述身份信息，在所述权益信息子库中查询与所述身份信息关联的权益信息；计算单元23，根据所述交易信息和权益信息，计算得到所述实际支付信息；通信单元24，将所述实际支付信息发送至所述终端。
在具体实施中，所述权益信息可以包括折扣信息和/或积分兑换信息。
继续参照图1，在具体实施中，交易***还可以包括远程权益渠道服务器13。虽图1中仅示出一个远程权益渠道服务器13，但交易服务器12可以和多个远程权益渠道服务器13相连接。
远程权益渠道服务器13可以是商家的服务器，或者是优惠平台服务器，例如是各种团购活动的服务器，也可以是银行服务器。
不同的权益信息子库可以位于不同的远程权益渠道服务器13中，通过权益渠道信息，由第一查找单元21确定对应的权益信息子库的位置。
权益信息子库位于远程权益渠道服务器13时，在计算单元23计算实际支付信息之前，均会由第二查找单元22对与所述身份信息关联的权益信息进行查找，实时性较强，可以保障实际支付信息的准确性。
在具体实施中，权益信息库可以是本地权益信息库。在计算单元23计算实际支付信息之前，均由第二查找单元22对与所述身份信息关联的权益信息进行实时查找，对网络的依赖性较高。在网络通信质量较差时，可能难以及时完成实际支付信息的计算，为提高交易***的效率，并兼顾网络状况较差时的客户体验，可以在本地设置包含多个权益信息子库的本地权益信息库。
在另一具体实施中，交易服务器12可以在定时向远程权益渠道服务器13查询，也就是在特定的时刻向远程权益渠道服务器13查询，以更新本地权益信息库。例如可以设定固定的时间间隔，向远程权益渠道服务器13查询；也可以根据交易服务器12的运行状况，在交易服务器12任务较少时，向远程权益渠道服务器13查询；或者根据网络环境，在合适的时刻向远程权益渠道服务器13查询，以更新本地权益信息库。
通过更新本地权益信息库，可以提升本地权益信息库与远程权益渠道服务器13中信息的同步性，进而在提升交易效率的同时提升计算实际支付信息的准确性。
在本发明另一实施例中，交易***中既包含本地权益信息库，也包含位于远程权益渠道服务器13的权益信息子库，可以根据需要进行设定第二查找单元22运用的权益信息子库。例如，可以根据网络通信质量来设置：在网络质量较好时，优先查询位于远程权益渠道服务器13的权益信息子库；在网络质量较差时，优先查询本地权益信息库。
权益信息是指用户在交易中能够对最终的实际支付信息产生影响的信息，这样的影响可以是折扣、抵扣等。在具体实施中，权益信息可以包括折扣信息和/或积分兑换信息。权益信息可以通过远程权益渠道服务器13设定，例如：商家可以通过远程权益渠道服务器13设定对应于不同会员的商品折扣，或设定积分兑换规则；银行也可以通过远程权益渠道服务器13设定会员积分兑换规则；优惠平台同样可以通过远程权益渠道服务器13设定折扣或其它优惠规则。
第二查找单元22可以通过查询与身份信息关联的权益信息；计算单元23可以根据所述交易信息和权益信息，计算得到所述实际支付信息。例如，当身份信息为会员***时，第二查找单元22通过查找通过权益渠道信息指向的权益信息子库，查询到对应该会员***的权益信息为五折，则计算单元23将交易信息中的可享受权益金额按照五折进行计算，得到实际支付信息。
在本发明一实施例中，所述第二查找单元22可以包括：类型确定子单元，确定所述权益信息子库中索引身份信息的类型；转换子单元，将所述身份信息转换为与所述索引身份信息的类型相同的匹配身份信息；查询子单元，根据所述匹配身份信息查询所述权益信息子库，以获得所述权益信息。
可以理解的是，交易服务器12可以关联对应同一用户的所有身 份信息，生成身份信息库，可以将该用户的所有身份信息关联至交易***内使用的用户ID，以便于用户识别和用户管理。故当终端11获取的身份信息与权益信息库中作为索引的身份信息类型不匹配时，交易服务器12可以根据权益信息库要求的身份信息类型，查询身份信息库，若身份信息库中包含对应同一用户的该类型的匹配身份信息，则利用该匹配身份信息对权益信息库进行检索，以获得所述权益信息。
例如，当终端11接收的身份信息为银行***时，而对应的权益信息库以会员***为索引，此时交易服务器12查询身份信息库，看是否有与该银行***相关联的会员***，若存在与该银行***相关联的会员***，则用该会员***进行权益信息库的检索，以获得权益信息。
通过在交易服务器12中设置身份信息库，关联对应同一用户的各种身份信息，选取与所述权益信息库中索引身份信息的类型相匹配的身份信息进行检索，可以减少交易过程中的人工干预，提高交易***的效率。
在具体实施中，所述交易服务器12还包括：记录生成单元(未示出)，用于生成交易记录，所述交易记录包含所述终端11的标识和所述权益渠道信息。
通过记录生成单元生成交易记录，可以使得后续的数据分析和处理有确切依据。
由于现有的交易***，例如包含优惠平台在内的交易***，支付和实体消费的过程是分离的，不能很好的统计实体消费的时间和金额，为后续数据分析和处理带来极大的不便。
本发明实施例中，由交易服务器12生成支付信息，可以明确获知实体消费的时间和金额，通过记录单元进行记录，生成交易记录，可以为后续的数据分析和处理提供依据和证据。例如可以为后续进行 的用户行为的大数据分析，或者商家、优惠平台基于交易记录进行的后续结算行为提供依据。
本发明实施例通过终端接收交易信息、身份信息以及权益渠道信息，由交易服务器根据权益渠道信息以及身份信息查询权益信息库，生成支付信息，并向终端发送实际支付信息。利用交易服务器对不同主体间信息进行汇总和计算，最终统一将支付信息发送至终端，可以减小多个主体间的平台差异，无需终端对应权益渠道信息和身份信息进行不同的处理，为终端提供统一的接口，简化终端操作，从而提高交易***的效率。
本发明实施例还提供一种交易处理方法，其流程图参见图3。
在步骤S31中，终端接收或生成交易信息、身份信息以及权益渠道信息。
在具体实施中，所述交易信息可以包括交易总金额信息和权益金额信息。
在具体实施中，所述身份信息可以包括以下至少一种：银行***、会员***、用于苹果支付的标识信息、用于华为支付的标识信息、用于三星支付的标识信息、用户生理性标识数据。
在步骤S32中，根据所述权益渠道信息以及所述身份信息查询权益信息库，以生成实际支付信息，向所述终端发送所述实际支付信息。
参见图4，在具体实施中，步骤S32可以包括：
步骤S321，根据所述权益渠道信息在所述权益信息库中确定由所述权益渠道信息指向的权益信息子库。
步骤S322，根据所述身份信息，在所述权益信息子库中查询与所述身份信息关联的权益信息。
在具体实施中，步骤S322可以包括：确定所述权益信息子库中索引身份信息的类型；将所述身份信息转换为与所述索引身份信息的 类型相同的匹配身份信息；根据所述匹配身份信息查询所述权益信息子库，以获得所述权益信息。
步骤S323，根据所述交易信息和权益信息，计算得到所述实际支付信息。
继续参见图3，所述交易处理方法还可以包括：
步骤S33，生成交易记录，所述交易记录包含所述终端的标识和所述权益渠道信息。
本发明实施例中交易处理方法的具体实施可以参照交易***中描述，不再赘述。
本领域普通技术人员可以理解上述实施例的各种方法中的全部或部分步骤是可以通过程序来指令相关的硬件来完成，该程序可以存储于一计算机可读存储介质中，存储介质可以包括：ROM、RAM、磁盘或光盘等。
虽然本发明披露如上，但本发明并非限定于此。任何本领域技术人员，在不脱离本发明的精神和范围内，均可作各种更动与修改，因此本发明的保护范围应当以权利要求所限定的范围为准。

Claims (19)

  1. 一种交易***，其特征在于，包括：终端以及交易服务器；其中：
    所述终端适于接收或生成交易信息、身份信息以及权益渠道信息；
    所述交易服务器适于根据所述权益渠道信息以及所述身份信息查询权益信息库，以生成实际支付信息，向所述终端发送所述实际支付信息。
  2. 根据权利要求1所述的交易***，其特征在于，所述交易服务器包括：
    第一查找单元，适于根据所述权益渠道信息在所述权益信息库中确定由所述权益渠道信息指向的权益信息子库；
    第二查找单元，根据所述身份信息，在所述权益信息子库中查询与所述身份信息关联的权益信息；
    计算单元，根据所述交易信息和权益信息，计算得到所述实际支付信息；
    通信单元，将所述实际支付信息发送至所述终端。
  3. 根据权利要求2所述的交易***，其特征在于，所述第二查找单元包括：
    类型确定子单元，确定所述权益信息子库中索引身份信息的类型；
    转换子单元，将所述身份信息转换为与所述索引身份信息的类型相同的匹配身份信息；
    查询子单元，根据所述匹配身份信息查询所述权益信息子库，以获得所述权益信息。
  4. 根据权利要求2所述的交易***，其特征在于，所述交易服务器还包括：
    记录生成单元，用于生成交易记录，所述交易记录包含所述终端的标识和所述权益渠道信息。
  5. 根据权利要求2所述的交易***，其特征在于，所述权益信息子库位于远程权益渠道服务器。
  6. 根据权利要求2所述的交易***，其特征在于，所述权益信息库是本地权益信息库。
  7. 根据权利要求6所述的交易***，其特征在于，所述交易服务器定时向远程权益渠道服务器查询，以更新所述权益信息库。
  8. 根据权利要求1所述的交易***，其特征在于，所述权益信息包括折扣信息和/或积分兑换信息。
  9. 根据权利要求1所述的交易***，其特征在于，所述交易 信息包括交易总金额信息和权益金额信息。
  10. 根据权利要求1所述的交易***，其特征在于，所述终端通过识别用户标识卡来确定所述身份信息。
  11. 根据权利要求10所述的交易***，其特征在于，所述身份信息包括以下至少一种：银行***、会员***、用于苹果支付的标识信息、用于华为支付的标识信息、用于三星支付的标识信息、用户生理性标识数据。
  12. 根据权利要求10所述的交易***，其特征在于，所述用户标识卡为银行卡和/或会员卡。
  13. 一种交易处理方法，特征在于，包括：
    终端接收或生成交易信息、身份信息以及权益渠道信息；
    根据所述权益渠道信息以及所述身份信息查询权益信息库，以生成实际支付信息，向所述终端发送所述实际支付信息。
  14. 根据权利要求13所述的交易处理方法，其特征在于，所述据所述权益渠道信息以及所述身份信息查询权益信息库，以生成实际支付信息包括：
    根据所述权益渠道信息在所述权益信息库中确定由所述权益渠道信息指向的权益信息子库；
    根据所述身份信息，在所述权益信息子库中查询与所述身份信息 关联的权益信息；
    根据所述交易信息和权益信息，计算得到所述实际支付信息。
  15. 根据权利要求14所述的交易处理方法，其特征在于，所述根据所述身份信息，在所述权益信息子库中查询与所述身份信息关联的权益信息包括：
    确定所述权益信息子库中索引身份信息的类型；
    将所述身份信息转换为与所述索引身份信息的类型相同的匹配身份信息；
    根据所述匹配身份信息查询所述权益信息子库，以获得所述权益信息。
  16. 根据权利要求14所述的交易处理方法，其特征在于，还包括：生成交易记录，所述交易记录包含所述终端的标识和所述权益渠道信息。
  17. 根据权利要求13所述的交易处理方法，其特征在于，所述权益信息包括折扣信息和/或积分兑换信息。
  18. 根据权利要求13所述的交易处理方法，其特征在于，所述交易信息包括交易总金额信息和权益金额信息。
  19. 根据权利要求13所述的交易处理方法，其特征在于，所述身份信息包括以下至少一种：银行***、会员***、用于苹果支付的 标识信息、用于华为支付的标识信息、用于三星支付的标识信息、用户生理性标识数据。
PCT/CN2016/093600 2016-01-29 2016-08-05 一种交易***及交易处理方法 WO2017128684A1 (zh)

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