Electronic debt payment, customer relationship and bond management system based on NFC (Near Field Communication) and recording method

A customer relationship management and electronic technology, applied in the direction of payment architecture, point of sale network system, data processing application, etc., can solve the problems of providing automatic records, unable to service providers, etc.

Inactive Publication Date: 2012-07-04
姜晓越 +1
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

When using electronic money and credit card payment methods, it is impossible to provide automatic recording methods for service providers from the commercial agreement

Method used

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  • Electronic debt payment, customer relationship and bond management system based on NFC (Near Field Communication) and recording method
  • Electronic debt payment, customer relationship and bond management system based on NFC (Near Field Communication) and recording method
  • Electronic debt payment, customer relationship and bond management system based on NFC (Near Field Communication) and recording method

Examples

Experimental program
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Effect test

Embodiment Construction

[0035] figure 1 It is a conceptual model diagram. At present, the payment methods based on NFC are mainly electronic currency and credit card. Both of these methods need to pay the currency to a third-party service provider. Due to the direct participation of the third party, either the buyer pays in advance, or the seller pays handling fee.

[0036] The above-mentioned third parties have the obligation of privacy and confidentiality to the buyer when providing specialized financial services, but this confidentiality obligation blocks the establishment of a trust relationship between the buyer and the seller. Therefore, for the seller, the existing records cannot be used for customer relationship management (Custom Relationship Management, hereinafter referred to as CRM).

[0037] Such as figure 1 As shown, the present invention adopts the third-party witness method proposed by Patent Publication No. 102243748A, which does not directly participate in the payment behavior, bu...

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PUM

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Abstract

The invention provides a payment system based on NFC (Near Field Communication). According to the payment system, a payment method which is more convenient than electronic cashes and credit cards is provided. A solution is as follows: the ID (Identity) of NFC (such as IDm based on hardware, tagID or customized ID) is read in through an NFC card reader at a POS (Point of Sale) end, and a customer is identified through the ID of the NFC. The book account behavior and advanced charging behavior of the customer are recorded in a server in an electronic financial claim way, payment and repayment are managed through an electronic financial claim, and recorded can be applied to customer relationship management simultaneously. The payment mode of the electronic financial claim differs from those of electronic cash and credit card payment in that a service provider of the electronic financial claim does not directly participate in the payment behavior but guarantees legal transactions between a customer and a merchant in the witness form of a third party.

Description

technical field [0001] The invention relates to a payment method and a customer management technology, specifically utilizing NFC (Near Field Communication) to record consumption and repayment processes and manage them in the form of electronic claims. Background technique [0002] The invention patent of Patent Publication No. 102243748A discloses a system and method for electronicizing debt claims, that is, recording rights and obligations arising from social activities through electronic claims. This method brings new possibilities for NFC-based payment methods. [0003] As a carrier of electronic money and credit cards, NFC has been popularized through smartphones, bringing convenience to users. NFC technical indicators and unified standards can refer to http: / / www.nfc-forum.org / specs / [0004] NFC-based payment methods currently include electronic money and credit card payment methods. However, existing NFC-based payment methods have the following problems: [0005] ...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/20G06Q20/32
Inventor 郁晓东姜晓越
Owner 姜晓越
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