Embodiment
In the technical scheme that the embodiment of the present application provides, business front device receives from the identification information of the subscriber card of card-reading terminal and the identification information of card-reading terminal; Business front device, according to the identification information of subscriber card, obtains and there is the first user profile associated with the identification information of subscriber card from background apparatus; According to the identification information of card-reading terminal, obtain from background apparatus and there is the second merchant information associated with the identification information of card-reading terminal; Business front device judges that in background apparatus, whether having the 3rd between the identification information of the subscriber card of described user profile or the acquisition obtained and the merchant information of acquisition associates, and returns judged result to card-reading terminal.
Below in conjunction with the accompanying drawing in the application, carry out clear, complete description to the technical scheme in the application, obviously, described embodiment is a part of embodiment of the application, instead of whole embodiments.Based on the embodiment in the application, the every other embodiment that those of ordinary skill in the art obtain, all belongs to the scope of the application's protection.
Embodiment one
As shown in Figure 1, be the configuration diagram of the online trading system based on subscriber card in the embodiment of the present application one, comprise card-reading terminal, business front device and background apparatus.Wherein:
Card-reading terminal, for reading the data that subscriber card stores, by cable network (as Dial-up Network) or wireless network (such as, the networks such as GPRS, CDMA, TD-SCDMA, WIFI) be connected to business front device, the data that the subscriber card of reading stores are sent to business front device, receive and show the information that business front device returns.Particularly, when user carries out swiping the card operation in card-reading terminal, card-reading terminal can obtain the identification information of subscriber card, and the identification information of subscriber card and the identification information of card-reading terminal are sent to business front device.Above-mentioned card-reading terminal can be POS (Pointof Sale, point-of-sale terminal) machine, and the identification information of above-mentioned subscriber card can for uniquely determining the information of this subscriber card, such as subscriber card number information or the unique user information that can close; The identification information of above-mentioned card-reading terminal can for uniquely determining the information of this card-reading terminal, such as card-reading terminal numbering or address information etc.
Business front device, for the identification information of subscriber card obtained according to card-reading terminal, obtains and there is the first user profile associated with the identification information of subscriber card from background apparatus; According to the identification information of card-reading terminal, obtain from background apparatus and there is the second merchant information associated with the identification information of card-reading terminal; Whether the judge to exist in background apparatus between the identification information of subscriber card of user profile or the acquisition obtained and the merchant information of acquisition the 3rd associate, and returns judged result to card-reading terminal.
Particularly, business front device can be used for carrying out digital received and sent with card-reading terminal, initiate request to each Service Processing Module in background apparatus, receive the feedback of Service Processing Module, and carry out business logic processing according to the data from card-reading terminal and background apparatus.This business logic processing can comprise carries out distribution processor to the data from card-reading terminal, to realize each Service Processing Module dissimilar data being sent to respectively background apparatus; Business front device can also be managed by merchant transaction, internet payment, membership information obtain and the inquiry of user's history card using information, analyzes consumption information, and comprehensive above-mentioned information realization personalization transaction.
Background apparatus, for identification information, the identification information of card-reading terminal, the first related information between user profile and the identification information of subscriber card, second related information between card-reading terminal identification information and merchant information of storing subscriber information, merchant information, subscriber card, and the 3rd related information between the identification information of user profile or subscriber card and merchant information.
Preferably, above-mentioned background apparatus specifically can comprise subscriber card administration module, trade company's administration module, the 3rd incidence relation administration module.And further preferably, described background apparatus can also comprise at least one module in the module such as historical information administration module, internet payment module, is described in detail respectively below to modules:
Subscriber card administration module, for the identification information of storing subscriber information and subscriber card, and the first related information between user profile and the identification information of subscriber card.User profile can comprise user basic information, and user basic information can comprise user ID; First related information can be the incidence relation between user ID and the identification information of at least one subscriber card.
Above-mentioned user profile can further include the behavioural information of the user corresponding with user basic information, and the behavioural information of this user can comprise user on the internet to the behavioural informations such as browsing, pay close attention to, evaluate, collect and share of commodity and/or service.The behavior, information can comprise user after commodity in use and/or service, to the review information of these commodity and/or service.Subscriber card administration module can obtain (comprising web page server, mail server or the one or more equipment namely communication server etc.) the internet use record of user from internet device, the behavioural information of user is collected according to this use record, and analyze based on the behavior of behavior information to user, obtain behavioural analysis result.Such as, when user's behavioural informations such as browsing, pay close attention to, evaluate, collect and share on the internet relates to a certain commodity in a certain trade company and/or service in a large number, and/or user to the thinking very highly of certain class I goods and/or service time, subscriber card administration module can determine that this user is to these commodity and/or serve interested, and record behavioural analysis result, the behavior, analysis result can comprise the interested commodity of user and/or the title of service and the merchant identification of correspondence, and the identification information of user ID or subscriber card; When the behavioural information of user relates to certain class I goods and/or service in a large number, and/or user to the thinking very highly of certain class I goods and/or service time, subscriber card administration module can determine that user is to such commodity and/or serve interested, and records behavioural analysis result.The behavior, analysis result specifically can comprise the classification of the interested commodity of user and/or service, and the identification information of user ID or subscriber card.
Trade company's administration module, for storing merchant information and card-reading terminal identification information, and the second related information between the identification information of card-reading terminal and merchant information; Merchant information can comprise trade company's essential information, and trade company's essential information can comprise merchant identification, can further include the information such as the geographic position of trade company, business hours and the item to manage;
Second related information can be the incidence relation between merchant identification and the identification information of at least one card-reading terminal.
Historical information administration module, for storing the historical transactional information of user, the historical transactional information of this user is the static transaction data of the generation before current transaction, the identification information of user ID and/or subscriber card can be comprised, can further include the information such as exchange hour, merchant identification, dealing money and analytical statement data.Analytical statement data can comprise the precision data such as consumption number of times, consumption total charge of user in one or more trade company.
Internet payment module, for being connected with third-party payment system, carrying out delivery operation according to from the payment data of business front device and third-party payment system, and returning payment result to business front device.Third-party payment system can be the payment systems such as all kinds of bank payment system, or Alipay.
3rd incidence relation administration module, for the 3rd related information between the identification information of storing subscriber information or subscriber card and merchant information.Wherein, 3rd related information can be dissimilar information, such as subscription information, trade company's recommendation information, cumulative information etc., business front device can by different business processing logic, the 3rd dissimilar related information is processed, respectively the technical scheme of the 3rd dissimilar related information and correspondence thereof is described in detail below:
(1) the 3rd related information is subscription information
Wherein, subscription information can comprise user ID or subscriber card identification information and merchant identification and subscription content, this subscription content product that can be user be ordered in trade company by the contact method such as internet or phone and/or service.
The identification information of the subscriber card that business front device can obtain according to card-reading terminal, obtains and there is the first user profile associated with the identification information of subscriber card from subscriber card administration module; According to the identification information of card-reading terminal, obtain from trade company's administration module and there is the second merchant information associated with the identification information of card-reading terminal; Judge in the 3rd incidence relation administration module, whether to there is corresponding subscription information between the identification information of the subscriber card of user profile or the acquisition obtained and the merchant information of acquisition, if existed, the subscription information of user is sent to card-reading terminal.Correspondingly, card-reading terminal can show subscription information.
Particularly, when user carries out bankcard consumption, if the identification information of the user ID that the subscription information that the 3rd incidence relation administration module stores comprises or subscriber card, consistent with the identification information of the user ID in the user profile that business front device obtains or subscriber card, and the merchant identification that this subscription information comprises is consistent with the merchant identification in the merchant information that business front device obtains, then business front device can determine the identification information of the user profile of this subscription information and acquisition or the subscriber card of acquisition, and the merchant information obtained is corresponding, subscription information is sent to card-reading terminal display, so that trade company provides to user the commodity and/or service that this subscription information is corresponding, and whether subscription information is correct to make user confirm.In this way, trade company conveniently can complete the transaction with user by card-reading terminal, facilitates the operation of trade company, and due to the inquiring and authenticating through user management module and trade company's administration module, improves the security of transaction.
(2) the 3rd related informations are trade company's recommendation information
Wherein, trade company's recommendation information can comprise merchant identification and content recommendation, the commodity that this content recommendation can provide for this trade company and/or service.
Business front device according to the identification information of card-reading terminal, can obtain from trade company's administration module and there is the second merchant information associated with the identification information of card-reading terminal; According to the identification information of the subscriber card that card-reading terminal obtains, obtain the behavioural information and corresponding behavioural analysis result that there is the user that first associates to the identification information of subscriber card from subscriber card administration module.Wherein, the behavioural analysis result of user can store with subscriber card administration module, also can be obtained by the behavioural information analysis of business front device according to user.Business front device can judge in the 3rd incidence relation administration module, whether to there is corresponding trade company's recommendation information between the behavioural analysis result of acquisition and the merchant information of acquisition, if existed, trade company's recommendation information is sent to card-reading terminal or the user terminal corresponding with user profile.Correspondingly, card-reading terminal and user terminal can show trade company's recommendation information.
Particularly, when user carries out bankcard consumption, if the behavioural analysis result of the user that the content recommendation that trade company's recommendation information that the 3rd incidence relation administration module stores comprises obtains with business front device is mated, and the merchant identification that comprises of this trade company's recommendation information consistent with the merchant identification in the merchant information that business front device obtains time, then business front device can determine that this trade company's recommendation information is corresponding with the behavioural analysis result of the user of acquisition, trade company's recommendation information is sent to card-reading terminal display, so that commodity that this recommendation information is corresponding and/or service are recommended to user by trade company.The trade company's recommendation information determined also can be sent to the user terminal be associated with the identification information of user ID or subscriber card by business front device, and this trade company's recommendation information can be shown to user by user terminal, selects corresponding commodity and/or service for user.The resource of user terminal can be effectively utilized like this, make recommendation information more pointed, avoid in prior art, due to personalized recommendation information can not be provided for different user, the problem of waste system resource.
Further, above-mentioned 3rd incidence relation administration module, also for the user ID of same subscription content corresponding in subscription information and/or subscriber card mark are bound user's group; Business front device can exist when identifying corresponding trade company's recommendation information with at least one user ID in user's group and/or subscriber card in the 3rd incidence relation administration module, trade company's recommendation information is sent to part or all of user ID in user's group and/or user terminal corresponding to subscriber card mark.Particularly, the user ID of correspondence and/or subscriber card mark to the commodity of same type and/or serve interested, are bound user's group by the user that the 3rd incidence relation administration module can determine to subscribe same commodity and/or service.When business front device determine a user ID in user's group and/or subscriber card mark and commercial product recommending information produce associate time, or when a user in user's group subscribes certain commodity and/or service, business front device can using the content as recommendation information of these commodity and/or service, be sent to user and organize all user ID of content and/or the user terminal of subscriber card mark correspondence, recommend these commodity and/or service to the user in user's group.
(3) the 3rd related informations are cumulative information
Wherein, cumulative information comprises merchant identification and accumulative content, and this accumulative content can comprise accumulative condition and corresponding account form, can be discount, the action message such as preferential that trade company issues, and the marketing program that trade company formulates its user.Accumulative condition in accumulative content is the historical transactional information of user and/or the relation between the currency transaction information of user and pre-determined threshold, such as, accumulative condition can be that the historical consume number of times of user is greater than preset times, also can be that historical consume total charge and/or the current consumption total charge of user is greater than default amount.Account form in accumulative content can be the statistics strategy that trade company provides the user meeting accumulative condition.Such as, for the user meeting accumulative condition, corresponding account form can be provide default discount or preferential amount to user.Accumulative condition in accumulative content can be arranged neatly, when the historical transactional information of user and/or currency transaction information meet accumulative condition, automatically can trigger and perform account form corresponding to this accumulative condition.
The currency transaction information of user can be sent to business front device by card-reading terminal, and this currency transaction information is the dynamic transaction data of current transaction correspondence, can comprise the information such as transaction content and dealing money.Business front device according to the identification information of card-reading terminal, can obtain and there is the second merchant information associated with the identification information of card-reading terminal from trade company's administration module; According to the identification information of the subscriber card that card-reading terminal obtains, from historical information administration module, obtain the historical transactional information of user; Judge the historical transactional information of the user obtained and/or in the 3rd incidence relation administration module, whether there is corresponding cumulative information between currency transaction information and the merchant information of acquisition, if existed, then this cumulative information being sent to card-reading terminal.
Particularly, when user carries out bankcard consumption, if the merchant identification in the merchant information that business front device obtains is consistent with the merchant identification in the cumulative information that the 3rd incidence relation administration module stores, and the historical transactional information of user that obtains of business front device and/or currency transaction information are when meeting the accumulative condition in this cumulative information, this cumulative information is sent to card-reading terminal.Correspondingly, card-reading terminal can be added up according to the currency transaction information of user with from the cumulative information of business front device, obtain and show statistics, this statistics can be according to the result of the account form in cumulative information to currency transaction information.Such as, when account form is default preferential amount, statistics can be deduct the result after this preferential amount to the dealing money in currency transaction information.Card-reading terminal also can by cumulative information and statistical result showed to user, and user can determine whether carry out follow-up transactional operation according to cumulative information and statistics.
User obtains subscription information, trade company's recommendation information, and after the statistics obtained according to cumulative information, can select to carry out follow-up delivery operation to card-reading terminal.Correspondingly, card-reading terminal can receive the payment instruction of user, and the payment data associated with this payment instruction is sent to business front device, receives and shows the payment result that business front device returns; Business front device can receive the payment data from card-reading terminal, and this payment data is distributed to internet payment module, receives the payment result that internet payment module returns, and payment result is sent to card-reading terminal.By using third-party payment system as the modes of payments, and this modes of payments being combined with subscription information, trade company's recommendation information and cumulative information, the personalization of the modes of payments can be realized, make not need to carry fiscard or stored value card during customer consumption.
By describing above and can finding out, the embodiment of the present application comprises following advantage, according to user profile and merchant information, the incidence relation in background apparatus carries out online transaction, by this incidence relation, can trade company's recommendation information and cumulative information be set neatly, recommendation information is accurately issued to user, and provide personalized commodity and service for user, and be convenient to user and subscribe, alleviate the working load of trade company, improve dirigibility and the convenience of online transaction, achieve personalization and the intellectuality of online transaction.In addition, historical transactional information, trade company's recommendation information, cumulative information and subscription information are stored and background apparatus, the centralized management to system information can be realized, reduce the message storage requirement to card-reading terminal, by the mode of the Auto-matching to the identification information of subscriber card and the identification information of card-reading terminal, not only meet the requirement that trade company is arranged for personalized recommendation information, and significantly alleviate the processing pressure of trade company to local client, improve the security of system.Certainly, the arbitrary product implementing the application might not need to reach above-described all advantages simultaneously.
Embodiment two
Based on said system framework, the embodiment of the present application two provides a kind of online transaction method based on subscriber card, as shown in Figure 2, comprises the following steps:
Step 201, business front device receives from the identification information of the subscriber card of card-reading terminal and the identification information of card-reading terminal.
Step 202, business front device, according to the identification information of subscriber card, obtains and there is the first user profile associated with the identification information of subscriber card from background apparatus; According to the identification information of card-reading terminal, obtain from background apparatus and there is the second merchant information associated with the identification information of card-reading terminal.
Step 203, business front device judges that in background apparatus, whether having the 3rd between the identification information of the subscriber card of user profile or the acquisition obtained and the merchant information of acquisition associates, and returns judged result to card-reading terminal.
Particularly, between the identification information of subscriber card and the merchant information of acquisition of the user profile that business front device obtains or acquisition, do not have the 3rd in background apparatus when associate, business front device can be there is not the subscription information, trade company's recommendation information or the cumulative information that are associated in background apparatus to the judged result that card-reading terminal returns; Otherwise business front device returns the subscription information, trade company's recommendation information and/or the cumulative information that are associated to card-reading terminal.
Preferably, said method can also comprise storing step, and this storing step comprises:
The identification information of storing subscriber information and subscriber card in the subscriber card administration module of background apparatus, and the first related information between user profile and the identification information of subscriber card; This user profile can comprise user basic information, and this user basic information can comprise user ID.
Merchant information and card-reading terminal identification information is stored in trade company's administration module of background apparatus, and the second related information between the identification information of card-reading terminal and merchant information; This merchant information can comprise trade company's essential information, and this trade company's essential information can comprise merchant identification.
The 3rd related information in the 3rd incidence relation administration module of background apparatus between the identification information of storing subscriber information or subscriber card and merchant information.
In the historical information administration module of background apparatus, store the historical transactional information of user, the historical transactional information of this user can comprise user ID and/or subscriber card mark.
Embodiment three
When storing trade company's recommendation information in background apparatus, the online transaction method based on subscriber card that the embodiment of the present application three provides, as shown in Figure 3, comprises the following steps:
Step 301, card-reading terminal reads the check information of subscriber card, carries out off-line verification according to this check information to subscriber card, if off-line verification is passed through, then performs step 303; Otherwise, perform step 302.
Wherein, subscriber card is for storing subscriber identity information, and this subscriber identity information can comprise identification information and check information.The type of subscriber card can be magnetic stripe card, Contact Type Ic Card and contactless card etc., and card-reading terminal can be read and write the information in subscriber card.When not having user card punching, card-reading terminal can play the system information of acquiescence.When user is swiped the card by card-reading terminal, card-reading terminal detects subscriber card, reads the check information in subscriber card, carries out off-line verification, comprise authentication and integrity checking according to this check information to subscriber card, to determine whether subscriber card is pseudo-card.
Step 302, card-reading terminal display subscriber card information unauthorized, prompting user is not by checking.
Step 303, card-reading terminal reads the identification information of subscriber card, and this identification information is sent to subscriber card administration module.
Particularly.Card-reading terminal can read the identification information (such as user ID) in subscriber card, and identification information is sent to business front device, this identification information is distributed to subscriber card administration module by business front device.
Step 304, subscriber card administration module carries out online verification to subscriber card, and the result is sent to card-reading terminal, if online verification passes through, then performs step 305; Otherwise, perform step 302.
Particularly, subscriber card administration module obtains corresponding user basic information according to identification information, carries out online verification, such as, judge whether subscriber card exceedes the term of validity etc. according to this user basic information to subscriber card.Online verification result can be sent to card-reading terminal by business front device by subscriber card administration module, by card-reading terminal, online verification result is shown to user.
Step 305, business front device, according to the identification information of card-reading terminal, obtains from trade company's administration module and there is the second merchant information associated with the identification information of card-reading terminal; According to the identification information of the subscriber card that card-reading terminal obtains, obtain the behavioural information and corresponding behavioural analysis result that there is the user that first associates to the identification information of subscriber card from subscriber card administration module.
Particularly, when off-line verification result and online verification result all represent that subscriber card is legal, current transaction is started.Because subscriber card and user are bound mutually, card-reading terminal is bound mutually with trade company, business front device can initiate request according to the identification information of subscriber card to the subscriber card administration module in background apparatus, obtain the behavioural information of user, and obtain corresponding behavioural analysis result according to behavior information analysis, the behavioural analysis result of user also directly can be obtained from subscriber card administration module.Business front device can also initiate request according to the identification information of card-reading terminal to the trade company's administration module in background apparatus, obtains trade company's essential information.
Wherein, the behavioural information of user can comprise user on the internet to the behavioural informations such as browsing, pay close attention to, evaluate, collect and share of commodity and/or service.Subscriber card administration module can obtain the internet use record of user, collects the behavioural information of user, and analyzes based on the behavior of behavior information to user, obtain behavioural analysis result according to this use record.The identification information of one or more card-reading terminal that trade company's essential information can comprise merchant identification, associate with merchant identification, can further include the information such as the geographic position of trade company, business hours and the item to manage.
Step 306, business front device judges in the 3rd incidence relation administration module, whether to there is corresponding trade company's recommendation information between the behavioural analysis result of acquisition and the merchant information of acquisition.If existed, then perform step 307; Otherwise, perform step 308.
Step 307, trade company's recommendation information is sent to card-reading terminal or the user terminal corresponding with user profile by business front device, card-reading terminal display trade company recommendation information.
Particularly, when user carries out bankcard consumption, if the behavioural analysis result of the user that the content recommendation that trade company's recommendation information that the 3rd incidence relation administration module stores comprises obtains with business front device is mated, and the merchant identification that comprises of this trade company's recommendation information consistent with the merchant identification in the merchant information that business front device obtains time, then business front device can determine that this trade company's recommendation information is corresponding with the behavioural analysis result of the user of acquisition, trade company's recommendation information is sent to card-reading terminal display, so that commodity that this recommendation information is corresponding and/or service are recommended to user by trade company.The trade company's recommendation information determined also can be sent to the user terminal be associated with the identification information of user ID or subscriber card by business front device, and this trade company's recommendation information can be shown to user by user terminal, selects corresponding commodity and/or service for user.
Further, when storing subscription information in background apparatus, in subscription information, the user ID of corresponding same subscription content and/or subscriber card mark can bind user's group.Exist when identify corresponding trade company's recommendation information with at least one user ID in user's group and/or subscriber card in the 3rd incidence relation administration module, this trade company's recommendation information can be sent to the user terminal that all user ID in this user's group and/or subscriber card identify correspondence by business front device.
In addition, if user exits operation by card-reading terminal selection or user does not carry out any operation to card-reading terminal in Preset Time (such as, 30 seconds), then current transaction can be cancelled.
If user selects continuous business, then perform following steps:
Step 308, card-reading terminal receives payment instruction, and the payment data associated with this payment instruction is sent to business front device.
Particularly, after card-reading terminal display trade company recommendation information, the commodity that user can select trade company to provide according to this trade company's recommendation information and/or service, and carry out delivery operation by card-reading terminal.Card-reading terminal can be added up according to the currency transaction information of user, and by statistical result showed to user.Card-reading terminal can generate payment data, and this payment data is sent to business front device after receiving the payment instruction of user and the payment cipher of user's input.Wherein, payment data can comprise the information such as user ID, merchant identification, payment content and payment.
Step 309, payment data is distributed to internet payment module by business front device.
Step 310, internet payment module carries out delivery operation according to payment data and third-party payment system, payment result is sent to business front device, if pay successfully, then performs step 311; Otherwise, perform step 313.
Wherein, third-party payment system can for outside bank and with the system independently supporting to pay that bank contracts, the function of delivery on arrival can be provided.Carrying out in the process paid with third-party payment system, payment data can be sent to third-party payment system by internet payment module, if third-party payment system is agreed to pay, then internet payment module and third-party payment system carry out transferring accounts according to payment data and operate.Transfer accounts successfully, internet payment module can generate the payment result comprising and pay successful information, and this payment result is sent to business front device.If third-party payment system is not agreed to pay or transfer accounts unsuccessfully, internet payment module can generate the payment result comprising and pay failure information, and this payment result is sent to business front device.
Step 311, payment result is sent to card-reading terminal by business front device, and the Transaction Information corresponding with payment result is stored into historical information administration module.
Wherein, Transaction Information can comprise the information such as the user ID relevant to payment result, merchant identification, transaction content, dealing money and exchange hour.
Step 312, card-reading terminal display pays successful information.
Step 313, card-reading terminal receives the payment result from business front device, and display pays failure information.
It should be noted that, the step 301-304 in the embodiment of the present application can be preferred steps, by off-line verification and online verification, can improve the security of online transaction.In other embodiments of the application, also can not perform step 301-304, namely not carry out off-line verification and online verification, also can reach the object of online transaction to a certain extent.
Embodiment four
When storing subscription information in background apparatus, the online transaction method based on subscriber card that the embodiment of the present application four provides, as shown in Figure 4, comprises the following steps:
Step 401, client sends reservation request to the 3rd incidence relation administration module.
Particularly, user the client such as phone, internet or card-reading terminal can send reservation request to the 3rd incidence relation administration module, and commodity and/or the service of trade company are subscribed in request.
Step 402, the 3rd incidence relation administration module generates the subscription information of user according to the reservation request received.
Particularly, the 3rd incidence relation administration module receives the reservation request from client, obtains corresponding user ID, and verifies that whether this user ID is legal.When user ID is legal, the 3rd incidence relation administration module storage comprises the subscription information of this user ID and subscription content.
Such as, user before going to dining room to consume, can pass through the information such as phone, card-reading terminal or the Internet subscription dining room, room, seat and menu.3rd incidence relation administration module can store the subscription information comprising foregoing, and this subscription information can comprise and the identification information of subscriber card or corresponding user ID, and can only associate with the identification information of a user ID or subscriber card.3rd incidence relation administration module can also arrange prestige to each user and count, after user is undisciplined, corresponding prestige can be deducted according to undisciplined degree to count, if when the prestige of user is counted lower than certain critical value, then include user in blacklist, do not allow the user in blacklist to subscribe corresponding service.
Step 403, card-reading terminal reads the identification information of subscriber card, and the identification information of subscriber card and the identification information of card-reading terminal are sent to business front device.
Step 404, the identification information of the subscriber card that business front device obtains according to card-reading terminal, obtains and there is the first user profile associated with the identification information of subscriber card from subscriber card administration module; According to the identification information of card-reading terminal, obtain from trade company's administration module and there is the second merchant information associated with the identification information of card-reading terminal.
Step 405, business front device judges in the 3rd incidence relation administration module, whether to there is corresponding subscription information between the identification information of the subscriber card of user profile or the acquisition obtained and the merchant information of acquisition, if existed, then performs step 406; Otherwise, perform step 407.
Step 406, the subscription information of user is sent to card-reading terminal by business front device, the subscription information of card-reading terminal display user.
Particularly, when user carries out bankcard consumption, if the identification information of the user ID that the subscription information that the 3rd incidence relation administration module stores comprises or subscriber card, consistent with the identification information of the user ID in the user profile that business front device obtains or subscriber card, and the merchant identification that this subscription information comprises is consistent with the merchant identification in the merchant information that business front device obtains, then business front device can determine the identification information of the user profile of this subscription information and acquisition or the subscriber card of acquisition, and the merchant information obtained is corresponding, subscription information is sent to card-reading terminal display, so that trade company provides to user the commodity and/or service that this subscription information is corresponding, and whether subscription information is correct to make user confirm.
Such as, when user consumes in dining room, card-reading terminal reads the identification information that subscriber card carries, and this identification information is sent to business front device.The user ID that business front device is corresponding according to identification information obtains corresponding subscription information from the 3rd incidence relation administration module, if the merchant identification in trade company's essential information that the merchant identification in this subscription information is corresponding with card-reading terminal is consistent, then business front device determines that user subscribes corresponding service in this dining room, and by comprising dining room, the subscription information of seat and menu is sent to card-reading terminal.Card-reading terminal shows above-mentioned subscription information, and service staff can provide personalized service to user according to subscription information, and the information such as the seats in a restaurant subscribed according to user or room, bring the seat of reservation into by user, and user can be had dinner without the need to waiting for.In addition, business front device can organize sharing of realizing serving according to the user bound with subscription information, such as, dining room can provide long-distance video service, realize the function that multiple spot shares audio/video information, and the user that can be party provides image service, corresponding audio/video information is stored on server as image file.User can also search by card-reading terminal or internet the businessman providing digital photograph to develop and print service, develops and prints digital photograph.When user pays, business front device can according to the marketing message of user profile Auto-matching trade company, comprises the movable and membership promotion plans such as preferential, discount, automatically completes transaction, simplify transaction step, save exchange hour.
In addition, when there is no the subscription information of user in the 3rd incidence relation administration module, or when the merchant identification in trade company's essential information that the merchant identification in the subscription information of user is corresponding with card-reading terminal is inconsistent, business front device determines that user does not subscribe commodity and/or service in this trade company, user needs transaction flow conveniently and trade company to conclude the business, namely user needs looking for seat, orders dishes, and pays the bill according to the commodity selected and/or service, to complete transaction.
Step 407, card-reading terminal receives payment instruction, and the payment data associated with payment instruction is sent to business front device.
Step 408, payment data is distributed to internet payment module by business front device.
Step 409, internet payment module carries out delivery operation according to payment data and third-party payment system, and returns payment result to business front device.
Step 410, payment result is sent to card-reading terminal by business front device.
Step 411, the payment result that card-reading terminal display business front device returns.
Embodiment five
When storing cumulative information in background apparatus, the online transaction method based on subscriber card that the embodiment of the present application five provides, as shown in Figure 5, comprises the following steps:
Step 501, card-reading terminal reads the identification information of subscriber card, and the identification information of subscriber card and the identification information of card-reading terminal are sent to business front device.
Step 502, business front device, according to the identification information of card-reading terminal, obtains and there is the second merchant information associated with the identification information of card-reading terminal from trade company's administration module; According to the identification information of the subscriber card that card-reading terminal obtains, from historical information administration module, obtain the historical transactional information of user.
Step 503, business front device judges the historical transactional information of the user obtained and/or in the 3rd incidence relation administration module, whether there is corresponding cumulative information between currency transaction information and the merchant information of acquisition, if existed, then performs step 504; Otherwise, perform step 506.
Step 504, the cumulative information of user is sent to card-reading terminal by business front device.
Step 505, card-reading terminal receives statistics instruction, according to the currency transaction information of user with add up from the cumulative information of business front device, obtains statistics.
Particularly, when user carries out bankcard consumption, the currency transaction information of user can be sent to business front device by card-reading terminal.If the merchant identification in the merchant information that business front device obtains is consistent with the merchant identification in the cumulative information that the 3rd incidence relation administration module stores, and the historical transactional information of user that obtains of business front device and/or currency transaction information are when meeting the accumulative condition in this cumulative information, this cumulative information is sent to card-reading terminal.
Such as, user is when the consumption number of times of trade company, spending amount or total mark of consumption reach the pre-determined threshold that the accumulative condition in cumulative information specifies, business front device can judge that the historical transactional information of user and/or currency transaction information meet the accumulative condition in this cumulative information, and namely user meets the discount of trade company, the movable and/or marketing program such as preferential.Corresponding discount, the information that is movable and/or marketing program such as preferential can be sent to card-reading terminal by business front device, card-reading terminal can by this information displaying to user, the commodity that user can select trade company to provide according to this information and/or service, card-reading terminal can be added up currency transaction information according to this information.
Step 506, card-reading terminal receives payment instruction, and the payment data associated with payment instruction is sent to business front device.
Step 507, payment data is distributed to internet payment module by business front device.
Step 508, internet payment module carries out delivery operation according to payment data and third-party payment system, and returns payment result to business front device.
Step 509, payment result is sent to card-reading terminal by business front device.
Step 510, the payment result that card-reading terminal display business front device returns.
By describing above and can finding out, the embodiment of the present application comprises following advantage, according to user profile and merchant information, the incidence relation in background apparatus carries out online transaction, by this incidence relation, can trade company's recommendation information and cumulative information be set neatly, recommendation information is accurately issued to user, and provide personalized commodity and service for user, and be convenient to user and subscribe, alleviate the working load of trade company, improve dirigibility and the convenience of online transaction, achieve personalization and the intellectuality of online transaction.In addition, historical transactional information, trade company's recommendation information, cumulative information and subscription information are stored and background apparatus, the centralized management to system information can be realized, reduce the message storage requirement to card-reading terminal, improve the security of system.Certainly, the arbitrary product implementing the application might not need to reach above-described all advantages simultaneously.
Through the above description of the embodiments, those skilled in the art can be well understood to the mode that the application can add required general hardware platform by software and realize, and can certainly pass through hardware, but in a lot of situation, the former is better embodiment.Based on such understanding, the technical scheme of the application can embody with the form of software product the part that prior art contributes in essence in other words, this computer software product is stored in a storage medium, comprising some instructions in order to make a station terminal equipment (can be mobile phone, personal computer, server, or the network equipment etc.) perform method described in each embodiment of the application.
The above is only the preferred implementation of the application; it should be pointed out that for those skilled in the art, under the prerequisite not departing from the application's principle; can also make some improvements and modifications, these improvements and modifications also should look the protection domain of the application.
It will be appreciated by those skilled in the art that the module in the device in embodiment can carry out being distributed in the device of embodiment according to embodiment description, also can carry out respective change and be arranged in the one or more devices being different from the present embodiment.The module of above-described embodiment can be integrated in one, and also can be separated deployment; A module can be merged into, also can split into multiple submodule further.Above-mentioned the embodiment of the present application sequence number, just to describing, does not represent the quality of embodiment.