CN102609843A

CN102609843A - Commercial scheme of merchant code information payment confirmation system

Info

Publication number: CN102609843A
Application number: CN2012100178058A
Authority: CN
Inventors: 曹玮
Original assignee: Individual
Current assignee: Individual
Priority date: 2012-01-20
Filing date: 2012-01-20
Publication date: 2012-07-25

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.

Description

Trade company's coded message payment affirmation system business solutions

Technical field:

Trade company's coded message payment affirmation system business solutions is to rely on carrying out of network service, mobile communication, mobile banking service, through effective combination, realizes that Transaction Information and payment information are confirmed and the scheme of transmission.Thereby help the consumer conveniently to accomplish process of exchange, effectively promote carrying out of commercial distribution link.The consumer does not need proprietary equipment, and ordinary consumer has can support the mobile phone of WAP online to get final product complete operation.System is in advance through setting up the database server and the application server of trade company at the Virtual network operator place; Thereby exploitation trade company enrollment page is by trade company's enrolled merchant information and obtain trade company's coding and set up quick approach for the consumer finds trade company voluntarily, and commodity and information on services in the trade company are safeguarded by trade company voluntarily.Net telecommunications services interactive information through cable network or mobile operator provide is accomplished the Confirmation of Orders process.The Mobile banking of consumer choice self accomplishes payment process.Payment and settlement is accomplished by signatory bank and is in time fed back and passes to businessman.Businessman promptly can be the consumer commodity or service is provided.

Background technology:

Net letter technology: the net communication service is based on mobile Internet a kind ofly provides the information issuing service of issuing high capacity and strong interactivity content to targeted customers such as its employee or members for group customer.The net letter is made up of net letter message and net letter page two parts, and net letter message comprises text and link, and after the cellphone subscriber received net letter message, the net letter page was promptly browsed in the link of clicking wherein.The net communication service is paid by group customer, and China Mobile's mobile phone user net letter content is exempted from traffic fee.

Mobile banking: Mobile banking is one of derivatives of the Internet bank, and its superiority embodies a concentrated reflection of on the convenience, and the client utilizes Mobile banking where all can in time conclude the business whenever, has saved the time that ATM and bank's window are waited in line.

The implementation that Mobile banking mainly adopts has STK, SMS, BREW, WAP etc.Wherein, STK (Sim Tool Kit) mode need change client's SIM cards of mobile phones into have appointed bank's business procedure STK card, and shortcoming is that versatility is poor, to change the card cost high; SMS (Short Message Service) mode is promptly utilized the SMS handling bank business, and the client inserts easily, and shortcoming is that complicated business input inconvenience, interactivity are poor; BREW (Binary Runtime Environment forWireless) mode is based on cdma network, and needs are installed client software; WAP (Wireless applicationProtocol) mode promptly utilizes surfing Internet with cell phone to handle the online service of banking promptly through the embedded WAP browser access website of bank of mobile phone, and client need not install software, only needs mobile phone to open the WAP service.

The Mobile banking of WAP mode is comparatively convenient, practical, becomes this field international trend.Internationally famous banks such as Russia Guta, Slovenia SKB, Italian Toscana, German Deutsche have competitively opened the WAP mobile banking service: in recent years, domestic also have how tame bank to open mobile banking service.Wherein, the Mobile banking of industrial and commercial bank and China Merchants Bank adopts STK mode or SMS mode to realize; The Mobile banking of Construction Bank realizes based on the BREW mode, serves the CDMA mobile phone.The Mobile banking that at present only has Bank of Communications and Beijing commercial bank to open the WAP mode, by contrast, the mobile banking service of Beijing commercial bank only supports that at present mobile global leads to the client, and function is less; Mobile banking's support of Bank of Communications is moved, the mobile phone client of UNICOM, realizes that function is comparatively perfect.

Summary of the invention:

The present invention is the complete business solutions of a cover.The application of this business solutions will let real mobile-phone payment become possibility.The relation that effectively connects trade company, consumer, the three of bank.

Trade company's coded message payment affirmation system business solutions is that a trocar gets final product the scheme that the execute sales sequence information is transmitted to the consumer through the mobile phone terminal operation; The Mobile banking's payment function (containing tripartite payment and settlement) that cooperates present bank to open can be accomplished Xiao Feizhe Shang Jia bank (clearing) thereby the process of whole circulation clearing. effectively promote the convenient degree of payment transaction.

Embodiment roughly is divided into relatively independent and four of connecting each other:

First: trade company is through go ahead of the rest login account information etc. and obtain trade company's coded message of network.Trade company can safeguard the Transaction Information page (commodity tabulation, picture, price etc.) of businessman self

Second: consumption order transmittance process has two kinds of patterns:

First kind: the consumer initiatively initiates pattern; Elder generation send information to the application that system initiates payment through the mobile phone terminal of oneself by certain coded format during consumption; The net letter link that system sends is received at the terminal of sending out automatically, and the user clicks this link and can accomplish the payment information for intention and see through the transmittance process of system platform to trade company and payment and settlement side's (comprising bank and third party's payment platform) through the mobile phone terminal interaction page.

Second kind: businessman or bank initiatively initiate; In the category that the consumer allows, directly issue the consumption net letter by businessman or bank and be linked to user mobile phone terminal, the user can click this link according to individual demand and accomplish the affirmation of payment information for intention and see through system platform is transmitted sequence information to trade company and payment and settlement side's (comprising bank and third party's payment platform) process through the mobile phone terminal interaction page.

Information that the consumer believes through net and the both sides of trade company confirm an order.Can comprise but be not limited to following content (select browse commodities or service pictorial information, select commodity or service, selection unit price and quantity, affirmation total charge, can select whether to use accumulating card, registration accumulating card information, the discount card that can select whether to use businessman's approval, registration discount card information, businessman's feedback acknowledgment information, businessman's feedback integration situation etc., generate order) consumer and select the modes of payments simultaneously.

The 3rd: (the Zhi Fuyu clearing are responsible for by bank) consumer choice specifies signatory bank's (or third party's payer) to accomplish Mobile banking's payment and settlement process according to sequence information and signatory Clearing House.The automatic settlement information of signatory Clearing House feeds back to system platform.

The 4th: system platform is received the affirmation payment feedback information of signatory settling bank (or third party payment and settlement side), transmits carry information and gives businessman and mobile phone terminal user.Businessman provides service or commodity with the payment and settlement confirmation for the consumer.The consumer also can hold mobile phone terminal to target businessman and enjoy commodity or service.(businessman can discern mobile phone terminal consumption sign indicating number with specialized equipment, and only carries out primary system and effectively verify).

Claims

1. this invention business solutions needs trade company to encode so that obtain trade company through information such as enrolled merchant accounts such as website in advance; Enrolled merchant can be safeguarded (commodity tabulation, price, picture etc.) to the concrete consumption information of trade company self through the website; Be to be the initiation instrument during consumer spending with the mobile phone terminal; The consumer relies on trade company that trade company's code identification need consume and the relevant consumption information of selecting this trade company; Reach the consumption order; The consumer selects signatory clearing side (bank, third party's payment) to realize the payment and settlement of order voluntarily, and payment and settlement information is crossed native system by the signatory clearing square tube of native system and is delivered to trade company, and trade company provides commodity or service according to the information of system feedback for the consumer.

2. at first need businessman registration that accounts information etc. is provided according to said this invention of claim 1 and obtain trade company's coding.

3. use mobile phone terminal through cable network or mobile network and trade company's interactive information and carry out acknowledgement of orders according to said this invention of claim 1 by the consumer.

4. need system to have definite clearing side in advance according to said this invention of claim 1.(can be that a family also can be many families)

5. selecting to settle accounts square tube according to said this invention of claim 1 voluntarily by the consumer crosses Mobile banking and settles accounts.

6. cross system according to said this invention of claim 1 by signatory clearing square tube settlement information is given to corresponding trade company.

7. be that consumer provide commodity or service by trade company according to trade company's settlement information that obtains and sequence information coupling according to said this invention of claim 1.