Payment system and method based on mobile internet sharing membership card

Abstract

The invention provides a payment system and method based on a mobile internet sharing membership card. The payment system includes an electronic membership card configured for a member, a mobile intelligent terminal configured for users including the member and a merchant system and a first two-dimensional code which are provided to a merchant; the mobile intelligent terminals are in communication connection with the merchant system; the mobile intelligent terminal includes WeChat payment software, bank or UnionPay payment software, AliPay software or other third-party payment software; and the merchant system includes a merchant directory, an automatic generation module of sub-accounts of membership cards in the merchant directory, a membership and membership card type generation module, a membership and membership card type recognition module and a cash flow direction judgment module. The payment system effectively avoids the defects existing in the prior art that an entity membership card is inconvenient in card taking and returning time and space, capital corresponding to balance in the card deducted by a merchant cannot be automatically recovered when a recommendation is made to a circle of friends, and a member cannot achieve the purpose of lowering the threshold in a membership card sharing mode through recommendation to the circle of friends.

Description

technical field [0001] The invention relates to the technical field of mobile payment, in particular to the field of mobile payment for shared membership cards, and in particular to a payment system and method based on mobile Internet shared membership cards. Background technique [0002] Membership cards generally refer to ordinary identification cards, including membership authentication in shopping malls, hotels, fitness centers, restaurants and other consumer places. They have a wide range of uses, and can be applied to identification cards wherever identification is required, such as schools, clubs, companies, institutions, groups, etc. Membership service is also a popular service management model, which can increase the return rate of customers and increase customer loyalty to the enterprise. Many service industries adopt this service model, and most of the forms of membership are membership cards. [0003] This determines that the membership card is a major way for ...

AI Technical Summary

Problems solved by technology

[0012] In order to solve the above problems, the present invention provides a payment system and method based on mobile Internet shared membership cards, which effectively avoids the inconvenience in the time and space of taking and returning physical membership cards in the prior art, and the time and space when recommending them in the circle of friends. Defects that the funds corresponding to the card balance deducted by the merchant cannot be automatically recovered, and members cannot achieve the purpose of lowering the threshold by recommending to the circle of friends to share the membership card

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