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Publication numberCN102609843 A
Publication typeApplication
Application numberCN 201210017805
Publication date25 Jul 2012
Filing date20 Jan 2012
Priority date20 Jan 2012
Publication number201210017805.8, CN 102609843 A, CN 102609843A, CN 201210017805, CN-A-102609843, CN102609843 A, CN102609843A, CN201210017805, CN201210017805.8
Inventors曹玮
Applicant曹浩然, 曹玮
Export CitationBiBTeX, EndNote, RefMan
External Links: SIPO, Espacenet
Commercial scheme of merchant code information payment confirmation system
CN 102609843 A
Abstract
The invention discloses a commercial scheme of a merchant code information payment confirmation system. The commercial scheme comprises the following steps: 1, a merchant registers merchant information through a network platform, acquires code information, and maintains merchant information automatically, this step can be accomplished by establishing a database server, an application server and a network access website, designing pages, and the like; 2, the platform actively issues network information link, or a consumer receives the network information link after a payment applying code is sent, this step can be realized by activating the mobile network information service; 3, the format of order forms of the consumer and the merchant is normalized according to a webpage information template which is designed and made in advance, the consumer and the merchant exchange information to finish the order forms; 4, communication routes from the system platform to the merchant and bank are established in advance, the bank issues payment link to the consumer according to an order form payment instruction, and accomplishes payment settlement with the consumer, and then settlement information is fed back to the merchant through the platform; and 5, the merchant provides commodities or service for the consumer based on the payment settlement information from the bank.
Claims(7)  translated from Chinese
1.此发明商业方案需要商户事先通过网站等注册商户账户等信息以便获得商户编码, 注册商户通过网站可对商户自身的具体消费信息进行维护(商品列表、价格、图片等),消费者消费时是以手机终端为发起工具,消费者依托商户编码识别需要消费的商户并选择此商户的相关消费信息,达成消费订单,消费者自行选择签约结算方(银行、第三方支付)实现订单的支付结算,支付结算信息由本系统的签约结算方通过本系统传递到商户,商户根据系统反馈的信息为消费者提供商品或服务。 1. This invention requires the merchant business program in advance through the website and other registered merchant account and other information in order to obtain business code, registered traders can business to their specific consumer information for maintenance (product lists, price, pictures, etc.) through the website, consumer spending is a tool for the launch of mobile terminals, consumers rely on the merchant coded identification consumer needs and select the relevant consumer information business in this business, and reach the consumer orders, consumers choose contract settlement (banks, third-party payment) to achieve an order of payment and settlement payment and settlement information from the contracting parties of the settlement system is transmitted to the merchant through this system, businesses to provide goods or services to consumers in accordance with the system feedback.
2.按照权利要求I所述该发明首先需要商家注册提供账户信息等并获取商户编码。 2. In accordance with the invention of the claim I first need to provide account information, business registration and obtain business code.
3.按照权利要求I所述该发明由消费者使用手机终端通过有线网络或移动网络与商户交互信息并进行订单确认。 3. The invention of claim I said mobile terminals used by consumers through a wired network or mobile network to interact with business information and order confirmation.
4.按照权利要求I所述该发明需要系统事先具有确定的结算方。 According to claim I wherein the invention requires a system with a settlement party determined in advance. (可以是一家也可以是多家) (Can be a can also be a number)
5.按照权利要求I所述该发明由消费者自行选择结算方通过手机银行进行结算。 5. The invention of claim I wherein the consumer can choose their own settlement parties settled through mobile banking.
6.按照权利要求I所述该发明由签约结算方通过系统将结算信息转给相对应的商户。 6. I said to the invention of claim settlement by the contracting parties will be settled by the system transfer the information to the corresponding merchant.
7.按照权利要求I所述该发明由商户根据获得的商户结算信息和订单信息匹配为消费者提供商品或服务。 7. The invention of claim I said supply of goods or services by the merchants according to merchant billing and order information to match available for consumers.
Description  translated from Chinese

商户编码信息支付确认系统商业方案 Merchant payment confirmation coded information systems business solutions

技术领域: Technology area:

[0001] 商户编码信息支付确认系统商业方案是依托网络通信、移动通信、手机银行业务的开展,通过有效的结合,实现交易信息和支付信息确认和传递的方案。 [0001] merchant payment confirmation coded information systems business solutions is relying on network communications, mobile communications, mobile banking is conducted, through effective combination to achieve program trading and payment information and delivery confirmation. 从而有助于消费者方便快捷的完成交易过程,有效的促进商业流通环节的开展。 Thereby help consumers easily and quickly complete the transaction process, effectively promote the circulation of commercial conduct. 消费者不需要专有的设备,普通消费者拥有可支持WAP上网的手机即可完成操作。 Consumers do not need proprietary equipment, ordinary consumers have to support WAP Internet phone to complete the operation. 系统事先通过在网络运营商处建立商户的数据库服务器和应用服务器,开发商户注册页面让商户自行注册商户信息并获得商户编码从而为消费者找到商户建立了快捷途径,商户内的商品和服务信息由商户自行维护。 System in advance by establishing business database servers and application servers in the network operator, developer user registration page lets businesses register themselves and get the merchant business information encoded thereby find a business to establish a quick way for consumers, merchants of goods and service information from within Merchant own maintenance. 通过有线网络或移动运营商提供的网信服务交互信息完成订单的确认过程。 Interactive information network telecommunication services provided through cable network or mobile operator to complete the confirmation process orders. 消费者选择自身的手机银行完成支付过程。 Consumers choose their own phone bank to complete the payment process. 支付结算由签约银行完成并及时反馈传递给商家。 Payment and Settlement signed by the bank to complete and deliver timely feedback to the merchant. 商家即可为消费者提供商品或服务。 Businesses to provide consumers with goods or services.

背景技术: BACKGROUND:

[0002] 网信技术:网信业务是基于移动互联网的一种为集团客户提供向其员工或会员等目标用户发布大容量及强交互性内容的信息发布服务。 [0002] The network communication technology: network channel business is publishing service based on a mobile Internet offer their employees or members to target users high capacity and strong interactive content information to corporate clients. 网信由网信消息及网信页面两部分组成,网信消息包含文本和链接,手机用户收到网信消息后,点击其中的链接即浏览网信页面。 Letter from the net letter network and network news page letter composed of two parts, the network channel message contains text and links, mobile phone users after receiving the letter network news, click on the link that is browsing the web page letter. 网信业务由集团客户付费,中国移动手机用户浏览网信内容免流量费。 Network telecommunications services by the Group's customers pay, the Chinese mobile phone users to browse the net contents of the letter free flow of charge.

[0003] 手机银行:手机银行是网络银行的派生产品之一,它的优越性集中体现在便利性上,客户利用手机银行不论何时何地均能及时交易,节省了ATM机和银行窗口排队等候的时间。 [0003] The mobile banking: mobile banking is one of the Internet banking derivative products, its advantages embodied in the convenience of the customers use mobile banking wherever and whenever they are able to deal in a timely manner, saving ATM machines and bank windows line up waiting time.

[0004] 手机银行主要采用的实现方式有STK、SMS、BREW、WAP等。 Implementation [0004] The main use of mobile banking have STK, SMS, BREW, WAP and so on. 其中,STK(Sim Tool Kit) 方式需要将客户手机SIM卡换成存有指定银行业务程序的STK卡,缺点是通用性差、换卡成本高;SMS(Short Message Service)方式即利用手机短消息办理银行业务,客户容易接入, 缺点是复杂业务输入不便、交互性差;BREW (Binary Runtime Environment forffireless) 方式基于CDMA网络,并需要安装客户端软件;WAP(Wireless applicationProtocol)方式即通过手机内嵌的WAP浏览器访问银行网站,即利用手机上网处理银行业务的在线服务, 客户端无需安装软件,只需手机开通WAP服务。 Wherein, STK (Sim Tool Kit) approach requires the customer phone SIM card into the designated bank business processes there are STK card, the disadvantage is poor versatility, high card replacement costs; SMS (Short Message Service) mode namely the use of mobile phone short message handling Banking customers easy access, the disadvantage is complex business input inconvenience, poor interaction; BREW (Binary Runtime Environment forffireless) mode CDMA-based network, and you need to install client software; WAP (Wireless applicationProtocol) way through embedded WAP phones browser access banking sites, namely the use of mobile Internet deal with banking online service, clients do not need to install software, just open the phone WAP services.

[0005] WAP方式的手机银行较为方便、实用,成为该领域国际发展趋势。 [0005] WAP mobile banking more convenient way, practical and international trends in this field. 俄罗斯Guta、斯洛文尼亚SKB、意大利Toscana、德国Deutsche等国际著名银行已竞相开通了WAP手机银行业务:近年来,国内也有多家银行开通了手机银行业务。 Russia Guta, Slovenia SKB, Italy Toscana, German Deutsche Bank and other international famous race has launched WAP mobile banking: In recent years, there are a number of banks launched mobile banking. 其中,工商银行和招商银行的手机银行是采用STK方式或SMS方式实现的;建设银行的手机银行基于BREW方式实现,服务于CDMA手机。 Among them, the Industrial and Commercial Bank of China and China Merchants Bank mobile banking is the use of STK way or ways of SMS; Construction Bank Mobile Banking achieved BREW-based services in the CDMA mobile phones. 目前仅有交通银行和北京市商业银行开通了WAP方式的手机银行,相比之下,北京市商业银行的手机银行业务目前仅支持移动全球通客户,且功能较少;交通银行的手机银行支持移动、联通的手机客户,实现功能较为完善。 Currently, only commercial banks, Bank of Communications and Beijing opened the way WAP mobile banking, by contrast, Beijing City Commercial Bank mobile banking is currently available only for mobile GSM customers, and fewer features; Bank Mobile Banking supports mobile China Unicom's mobile phone customers, and function more perfect.

发明内容: SUMMARY:

[0006] 本发明为一套完整的商业方案。 [0006] The present invention is a complete business solution. 此商业方案的应用将让真正的手机支付成为可能。 Apply this business plan will make a real mobile payment possible. 有效的连接商户、消费者、银行三者的关系。 Effective connection between businesses, consumers, banks three.

[0007] 商户编码信息支付确认系统商业方案是一套针对消费者通过手机终端操作即可完成买卖订单信息传递的方案,配合现在银行开通的手机银行支付功能(含三方支付结算),即可完成消费者\商家\银行(结算)整个流通结算的过程.从而有效的提升支付交易的便捷度。 [0007] merchant payment confirmation coded information systems business plan is a set of consumers through the mobile phone terminal operation to complete the sale order information transfer scheme, with banks now launched mobile banking payment functionality (including party payment settlement), to complete Consumers \ business \ Bank (settlement) process the entire flow of the settlement thus effectively improve the convenience of payment transactions.

[0008] 具体实施方式大致分为相对独立并相互联系的四块: [0008] The specific embodiment is broadly divided into relatively independent and interrelated four:

[0009] 第一块:商户通过网络先行注册账户信息等并获取商户编码信息。 [0009] The first one: a network to be registered merchant account information and obtain business encoded information. 商户可维护商家自身的交易信息页面(商品列表、图片、价格等) Businesses can maintain their business transaction information page (product lists, pictures, price, etc.)

[0010] 第二块:消费订单传递过程有两种模式: [0010] The second block: Consumer order routing process has two modes:

[0011] 第一种:消费者主动发起模式,消费时先通过自己的手机终端按一定编码格式发送信息到系统发起支付的申请,所发终端自动收到系统发送的网信链接,用户点击此链接即可通过手机终端交互页面完成支付意向信息并透过系统平台向商户和支付结算方(包含银行和第三方支付平台)的传递过程。 [0011] The first: Consumers initiate mode, when the consumer first sent through their mobile terminals according to a certain coding format information to the system for payment of initiating, issued terminal automatically receive network communication link system sent, the user clicks Links to interact via mobile terminals intention to complete the payment page and through the system platform information to merchants and payment settlement parties (including banks and third-party payment platform) transfer process.

[0012] 第二种:商家或银行主动发起,在消费者允许的范畴内由商家或银行直接下发消费网信链接到用户手机终端,用户根据个人需要即可点击此链接通过手机终端交互页面完成支付意向信息确认并透过系统平台向商户和支付结算方(包含银行和第三方支付平台) 传递订单信息的过程。 [0012] The second: a merchant or bank initiated within the scope permitted by the consumer or the merchant bank issued under the direct consumption of network communication link to the user mobile terminals, users need to click on this link based on personal interaction through mobile terminals page confirmed the intention to complete the payment information and through the system platform to merchants and payment settlement parties (including banks and third-party payment platform) transfer order information process.

[0013] 消费者通过网信与商户双方确认订单信息。 [0013] Consumer information network in the letter to confirm the order with the merchant on both sides. 可包含但不限于以下内容(选择浏览商品或服务图片信息、选择商品或服务、选择单价和数量、确认总金额、可选择是否使用积分卡、登记积分卡信息、可选择是否应用商家认可的折扣卡、登记折扣卡信息、商家反馈确认信息、商家反馈积分情况等、生成订单)消费者同时选择支付方式。 It may include, but are not limited to the following (select Browse goods or services picture message, select goods or services, choose the unit price and quantity, to confirm the total amount, you can choose whether to use loyalty cards, loyalty card registration information, you can choose whether to apply the discount business recognized card, discount card registration information, business feedback confirmation, merchant feedback integration and so on, to generate orders) consumer while selecting payment.

[0014] 第三块:(支付与结算由银行负责)消费者选择指定签约银行(或第三方支付方) 根据订单信息与签约结算行完成手机银行支付结算过程。 [0014] The third block :( responsible for payment and settlement by the bank) Consumers select the specified contract bank (or third party payer) payment and settlement process and signed in accordance with the order information clearing house complete mobile banking. 签约结算行自动将已结算信息反馈到系统平台。 Signing clearing bank will automatically have your billing information back to the system platform.

[0015] 第四块:系统平台收到签约结算银行(或第三方支付结算方)的确认支付反馈信息,转发送信息给商家和手机终端用户。 [0015] The fourth block: Platform acknowledgment signed settlement bank (or third party payment and settlement party) to pay the feedback information, turn sends information to businesses and mobile end users. 商家凭支付结算确认信息为消费者提供服务或商品。 With confirmation of payment and settlement businesses to provide consumers with services or goods. 消费者也可持手机终端至目标商家享受商品或服务。 Consumers also can hold mobile terminal to target businesses enjoy goods or services. (商家可凭专用设备识别手机终端消费码,并仅进行一次系统有效验证)。 (Businesses rely on special equipment to identify handsets consumer code, and only a valid verification system).

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Classifications
International ClassificationG06Q20/42
Legal Events
DateCodeEventDescription
25 Jul 2012C06Publication
4 Feb 2015C10Entry into substantive examination