User card based online transaction method and system

Abstract

The invention discloses a user card based online transaction method and system. The method comprises the following steps that: a service foreground device receives identification information of a user card from a card-reading terminal and identification information of the card-reading terminal; the service foreground device acquires user information from a background device according to the identification information of the user card, wherein a first relation exists between the user information and the identification information of the user card; according to the identification information of the card-reading terminal, the service foreground device acquires merchant information from the background device, wherein a second relation exists between the merchant information and the identification information of the card-reading terminal; the service foreground device judges whether a third relation exists between the acquired user information or the acquired identification information of the user card and the merchant information in the background device, and then returns a judgment result to the card-reading terminal. By using the method and system disclosed by the invention, personalization and intellectualization of transaction can be realized.

Description

technical field [0001] The present application relates to the field of network technology, in particular to an online transaction method and system based on user cards. Background technique [0002] In recent years, the Internet of Things, as an emerging cutting-edge technology, has been greatly admired. The Internet of Things is an extended and expanded network based on the Internet. It can connect any item to the Internet according to the agreed agreement through radio frequency identification, infrared sensors, global positioning systems, laser scanners and other information sensing devices. Information exchange and communication to achieve intelligent identification, positioning, tracking, monitoring and management, and its client end extends and expands between any item and item. [0003] At present, the Internet of Things is mainly used in item identification and identification. In the field of transactions, the Internet of Things is mainly used in offline payment me...

AI Technical Summary

Problems solved by technology

[0006] Bus IC cards, citizen cards and membership cards can only realize simple user identity confirmation and value storage functions, but cannot provide users with targeted goods and services, and cannot meet personalized transaction requirements; it is difficult to determine the real identity of users in telephone transactions , it is impossible to accurately identify the authenticity of the booking user, which makes payment more difficult and reduces the security of the transaction; in the process of online transactions, due to the large amount of shopping information on the Internet, it is difficult to select products, and the authentication cycle and transaction cycle longer

To sum up, the existing trading methods cannot deliver accurate recommendation information to users based on their consumption habits and preferences, nor can they provide users with personalized goods and services. Therefore, it is impossible to realize personalized and intelligent transactions. change

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