Payment system and method based on mobile internet sharing membership card

[0111] Example 1

[0112] The payment system based on mobile Internet shared membership card, including electronic membership cards configured for members, and mobile smart terminals configured for users including members, as well as merchant systems and first QR codes provided to merchants;

[0113] The mobile smart terminal is in communication connection with the merchant system;

[0114] The mobile smart terminal includes WeChat payment software, bank or UnionPay payment software, Alipay software or other third-party payment software;

[0115] The merchant system includes a merchant directory, a membership card sub-account automatic generation module under the merchant directory, a membership identity and membership card type generation module, a membership identity and membership card type identification module, and a cash flow determination module.

[0116] The method for a payment system based on mobile Internet sharing a membership card includes the following steps:

[0117] Step 1: When a merchant handles a membership card for a member, set the type of the membership card and the preferential plan for the membership card in the merchant system through the membership identity and membership card type generation module, and automatically generate the card number and The second two-dimensional code corresponding to the card number as the unique identification code, the member uses the WeChat payment software, bank or UnionPay payment software, Alipay software or other third-party payment software in the mobile smart terminal configured by the member to scan the After the second two-dimensional code, the mobile smart terminal and the merchant system’s membership and membership card type generation module will automatically bind the member’s mobile smart terminal account and the electronic membership card number; thus, the merchant system and the member are configured The membership card information can be automatically generated in the mobile smart terminal, so that it can also generate consumption details and other content.

[0118] Step 2: After the member’s mobile smart terminal account is bound to the card number of the e-membership card, the member can add the family member’s family number and the user’s family member’s account number under the member’s mobile smart terminal account through the mobile smart terminal configured. The friend number of the user who is a friend, and the family number and friend number are also transmitted to the merchant system to be associated with the card number of the electronic membership card bound to the member’s mobile smart terminal account, and the member can be promoted in the circle of friends Card or merchant information, the family number and friend number are respectively the mobile smart terminal account of the user who is a family member and the mobile smart terminal account of the user who is a friend; in the step 2, when the user uses its configuration When the WeChat payment software, bank or UnionPay payment software, Alipay software or other third-party payment software in the mobile smart terminal scans the merchant’s first QR code and enters the membership card number, the mobile smart terminal account of the mobile smart terminal The membership card number and the membership card number are sent to the merchant system, and the membership identification and membership card type identification module is based on the member’s mobile smart terminal account bound to the received membership card number and the family number associated with the membership card number and The friend number automatically recognizes that the user is the member, the user corresponding to the family number, or the user corresponding to the friend number. If the user is not recognized, that is, when the user does not exist in the merchant system, if the user is not identified The card number entered by the user of the membership card exists in the merchant system or is configured by the payment system based on the mobile Internet sharing membership card by default, so that the user’s mobile terminal account can be used by the mobile Internet sharing membership card payment system The friend number is automatically added to the merchant system and is associated with the card number of the membership card.

[0119] The payment system based on mobile Internet sharing membership card not only protects the members themselves to enjoy the benefits, but also achieves the purpose of sharing the membership card. In addition, the existing membership card consumption only involves members, merchants and third-party payment companies as members. The third-party payment companies include banks, UnionPay, WeChat, or Alipay. It can’t meet the requirements of members to recommend to Moments, and the present invention can also add multiple related stakeholders, such as: payment system based on mobile Internet sharing membership card to set the member’s own or the family number, merchant, and third party Payment companies, friends, salesmen, platform service providers, etc. can meet the requirements of members to recommend to the circle of friends. When the user uses the WeChat payment software, bank or UnionPay payment software, Alipay software or other third-party payment software in the configured mobile smart terminal to scan the merchant’s first two-dimensional code and enter the membership card number, the mobile The mobile smart terminal account of the smart terminal and the card number of the membership card are transmitted to the merchant system, and the member identity and membership card type recognition module is based on the mobile smart terminal account of the member bound with the received membership card number and the membership card number. The family number and friend number associated with the card number can automatically identify that the user is the member, the user corresponding to the family number, or the user corresponding to the friend number, and identify the type of membership card, that is, identify that the membership card belongs to There is no pre-deposit discount membership card, pre-deposit discount membership card or pre-deposit recharge type membership card. In comparison, the existing membership card must have a physical card when using it. When the user swipes the card, the merchant cashier system will identify the membership card number. The present invention binds the membership card number to the mobile smart terminal account, such as Platform accounts such as WeChat account, Alipay account number, and mobile phone number are automatically recognized by the merchant system when the user scans the merchant’s first QR code. Users do not need to carry a physical membership card during consumption, and there is no concern about losing the membership card. In addition, the existing membership card system cannot automatically identify the identity of the cardholder, and can only achieve the following methods:

[0120] 1. When the membership card is a non-pre-deposited discount membership card, the cardholder will pay the merchant in cash at the agreed discount based on the consumption amount.

[0121] 2. When the membership card is a pre-deposit discount membership card, the cardholder does not need to pay cash, and the merchant directly deducts the balance in the card according to the agreed discount based on the consumption amount.

[0122] 3. When the membership card is a pre-deposited rechargeable membership card, the cardholder does not need to pay cash, and the merchant directly deducts the balance in the card based on the consumption amount.

[0123] As for whether the cardholder is a member or a friend, the current merchant system cannot automatically identify it. The present invention binds the card number of the membership card with the mobile smart terminal account, such as platform accounts such as WeChat account, Alipay account, and mobile phone number. When the user scans the first two-dimensional code, the merchant system can automatically recognize that the user is the member himself, the user corresponding to the family number, or the friend corresponding to the friend number.

[0124] The method of payment system based on mobile Internet sharing membership card further includes the following steps:

[0125] Step 3: After identifying that the user is the member, the user corresponding to the family number, or the user corresponding to the friend number in step 2, and the type of the membership card is identified, when the user needs to pay cash, the cash is automatically adjusted The specific method of adjusting the flow of cash is as follows:

[0126] 1. When the membership card is a non-pre-deposit discount type membership card, the user uses the WeChat payment software, bank or UnionPay payment software, Alipay software or other third-party payment software in the mobile smart terminal to transfer the electronic cash payment to the merchant's account ;

[0127] 2. When the membership card is a pre-deposit discount type membership card, if the user is the member or the user corresponding to the family number, the user does not need to use the WeChat payment software, bank or UnionPay payment software, Alipay software in the mobile smart terminal or Other third-party payment software is used to pay electronic cash. The merchant uses the cash flow determination module in the merchant system to automatically deduct the balance in the membership card according to the agreed discount based on the consumption amount; if the user is the user corresponding to the friend number, the user is Use the WeChat payment software, bank or UnionPay payment software, Alipay software or other third-party payment software in the mobile smart terminal to pay electronic cash according to the adjusted discount. The electronic cash flows to the member’s bank card. Merchants use the cash flow determination module in the merchant system to automatically deduct the balance in the membership card based on the agreed discount;

[0128] 3. When the membership card is a pre-stored rechargeable membership card, if the user is the member himself or the user corresponding to the family number, the user does not need to use the WeChat payment software, bank or UnionPay payment software, Alipay software or in the mobile smart terminal Other third-party payment software is used to pay electronic cash. The merchant uses the cash flow determination module in the merchant system to automatically deduct the balance in the membership card based on the consumption amount; if the user is the user corresponding to the friend number, the user uses the consumption amount as The base uses the WeChat payment software, bank or UnionPay payment software, Alipay software or other third-party payment software in the mobile smart terminal to pay electronic cash according to the adjusted discount. The electronic cash flows to the member’s bank card and the merchant passes through the merchant. The cash flow determination module in the system automatically deducts the balance in the membership card based on the consumption amount;

[0129] In addition, when the membership card is a non-pre-deposit discount membership card, after the electronic cash paid by the user reaches the merchant’s account, there is no need to create a sub-account again; when the membership card is a pre-deposit discount membership card or a pre-deposit recharge membership card, the user needs to pay electronically When cash, the electronic cash reaches the member's bank card, and the membership card sub-account automatic generation module under the merchant directory automatically creates a sub-account corresponding to the bank card of the member card under the merchant directory. In this way, the flexible adjustment of the preferential distribution plan is realized. Compared with the existing technology, the existing membership card settlement system can only settle according to the agreed preferential discount, and cannot automatically adjust the preferential distribution plan due to different member identities, so that the distribution The form of the scheme is single; and the present invention can automatically adjust the benefit distribution scheme among the stakeholders by automatically identifying the user's identity and the corresponding membership card category, as well as adding multiple relevant stakeholders, and by setting the capital flow and parameter settings. The payment system based on the mobile Internet shared membership card of the present invention recognizes the difference of the user's identity and the type of the corresponding membership card, and according to the difference of the third-party payment company's cost-bearing subjects, when the user completes the consumption, the third party is automatically aroused Payment tool and calculate the actual amount of cash that the user should pay: The payment system based on the mobile Internet shared membership card of the present invention recognizes the difference of the user’s identity and the type of the corresponding membership card, and according to the third-party payment company’s expense The difference is that when the user completes the consumption, the card balance of the membership card is automatically calculated and deducted; the payment system based on the mobile Internet shared membership card of the present invention recognizes the difference of the user's identity and the type of the corresponding membership card. Third-party payment companies have different cost-bearers. After users complete consumption and pay electronic cash, the actual income of each relevant stakeholder is automatically calculated and distributed to their respective accounts.

[0130] The beneficial effects of this embodiment are:

[0131] 1. In this embodiment, through the binding of the membership card and the mobile smart terminal account, the member does not need to carry the membership card, and there is no worry about losing the membership card;

[0132] 2. In this embodiment, not only the actual revenue benefits of the merchants are guaranteed, but also the normal preferential use of the members themselves;

[0133] 3. In this embodiment, members can share membership card discounts between relatives by setting their family member number, eliminating the inconvenience of time and space for taking and returning cards between relatives, and also provides creative solutions for merchants to expand customer groups .

[0134] Example 2

[0135] The payment system based on mobile Internet shared membership card, including electronic membership cards configured for members, and mobile smart terminals configured for users including members, as well as merchant systems and first QR codes provided to merchants;

[0136] The mobile smart terminal is in communication connection with the merchant system;

[0137] The mobile smart terminal includes WeChat payment software, bank or UnionPay payment software, Alipay software or other third-party payment software;

[0138] The merchant system includes a merchant directory, a membership card sub-account automatic generation module under the merchant directory, a membership identity and membership card type generation module, a membership identity and membership card type identification module, and a cash flow determination module.

[0139] The mobile intelligent terminal is a smart phone, a PDA, a notebook computer or a palmtop computer.

[0140] The merchant system includes a server or a PC, and the mobile smart terminal is in communication and connection with the server or the PC; the server or the PC includes a merchant directory, a membership card sub-account automatic generation module under the merchant directory, a membership identity and a membership card Type generation module, membership identification and membership card type identification module, cash flow determination module; the server can also be an intermediate server independent of the merchant system; the merchant system may also include a mobile smart terminal provided to the merchant , The mobile smart terminal provided to the merchant is communicatively connected with the server or PC.

[0141] The membership card includes three types of membership cards: no pre-deposit discount type membership card, pre-deposit discount type membership card and pre-deposit recharge type membership card. The membership card is an electronic membership card.

[0142] The method of payment system based on mobile internet sharing membership card includes the following steps:

[0143] Step 1: When a merchant handles a membership card for a member, set the type of the membership card and the preferential plan for the membership card in the merchant system through the membership identity and membership card type generation module, and automatically generate the card number and The second two-dimensional code corresponding to the card number as the unique identification code, the member uses the WeChat payment software, bank or UnionPay payment software, Alipay software or other third-party payment software in the mobile smart terminal configured by the member to scan the After the second two-dimensional code, the mobile smart terminal and the merchant system’s membership identity and membership card type generation module will automatically bind the member’s mobile smart terminal account and the electronic membership card’s card number; the merchant system will be allocated to the member The membership card information can be automatically generated in the mobile smart terminal, so that content such as consumption details can also be generated.

[0144] Step 2: After the member’s mobile smart terminal account is bound to the card number of the e-membership card, the member can add the family member’s family number and the user’s family member’s account number under the member’s mobile smart terminal account through the mobile smart terminal configured. As the friend number of the user of a friend, the family number and friend number are also transmitted to the merchant system to be associated with the card number of the electronic membership card bound to the member’s mobile smart terminal account, and the member can be promoted in the circle of friends Card or merchant information, the family number and friend number are respectively the mobile smart terminal account of the user who is a family member and the mobile smart terminal account of the user who is a friend; in the step 2, when the user uses its configuration When the WeChat payment software, bank or UnionPay payment software, Alipay software or other third-party payment software in the mobile smart terminal scans the merchant’s first QR code and enters the membership card number, the mobile smart terminal account of the mobile smart terminal The membership card number and the membership card number are sent to the merchant system, and the membership identification and membership card type identification module is based on the member’s mobile smart terminal account bound with the received membership card number and the family number associated with the membership card number and The friend number automatically recognizes that the user is the member, the user corresponding to the family number, or the user corresponding to the friend number. If the user is not recognized, that is, the user does not exist in the merchant system, if the user is not identified The card number entered by the user for the membership card exists in the merchant system, or is configured by default by the payment system based on the mobile Internet sharing membership card, so that the user’s mobile terminal account can be used by the mobile Internet sharing membership card payment system The friend number is automatically added to the merchant system and is associated with the card number of the membership card.

[0145] The payment system based on the mobile Internet sharing membership card not only protects the members themselves to enjoy the benefits, but also achieves the purpose of sharing the membership card. In addition, the existing membership card consumption only involves members, merchants, and third-party payment companies as members. The third-party payment companies include banks, UnionPay, WeChat, or Alipay. It cannot meet the requirements of members to recommend to the circle of friends, and the present invention can also add multiple relevant stakeholders, such as: members themselves or family members added by members, merchants, third-party payment companies, friends, salespersons, platform service providers , Can meet the requirements of members to recommend to the circle of friends. When the user uses the WeChat payment software, bank or UnionPay payment software, Alipay software or other third-party payment software in the configured mobile smart terminal to scan the merchant’s first two-dimensional code and enter the membership card number, the mobile The mobile smart terminal account of the smart terminal and the card number of the membership card are transmitted to the merchant system, and the membership identification and membership card type recognition module is based on the mobile smart terminal account of the member bound with the received membership card number and the membership card number. The family number and friend number associated with the card number can automatically identify the user as the member, the user corresponding to the family number, or the user corresponding to the friend number, and identify the type of membership card, that is, identify that the membership card belongs to There is no pre-deposit discount membership card, pre-deposit discount membership card or pre-deposit recharge type membership card. In comparison, the existing membership card must have a physical card when using it. When the user swipes the card, the merchant cashier system will identify the membership card number, while the present invention binds the membership card number to the mobile smart terminal account, such as Platform accounts such as WeChat account, Alipay account number, and mobile phone number are automatically recognized by the merchant system when the user scans the merchant’s first QR code. Users do not need to carry a physical membership card when making purchases, and there is no concern about losing the membership card. In addition, the existing membership card system cannot automatically identify the identity of the cardholder, and can only achieve the following methods:

[0146] 1. When the membership card is a non-pre-deposit discount membership card, the cardholder will pay the merchant in cash at the agreed discount based on the consumption amount.

[0147] 2. When the membership card is a pre-deposit discount type membership card, the cardholder does not need to pay cash, and the merchant will directly deduct the balance in the card according to the agreed discount based on the consumption amount.

[0148] 3. When the membership card is a pre-deposited rechargeable membership card, the cardholder does not need to pay cash, and the merchant directly deducts the balance in the card based on the consumption amount.

[0149] As for whether the cardholder is a member or a friend, the current merchant system cannot automatically identify it. The invention binds the card number of the membership card to the mobile smart terminal account, such as platform accounts such as WeChat account, Alipay account, and mobile phone number. When the user scans the first two-dimensional code, the merchant system can automatically recognize that the user is the member himself, the user corresponding to the family number, or the friend corresponding to the friend number.

[0150] The method of payment system based on mobile Internet sharing membership card further includes the following steps:

[0151] Step 3: After identifying that the user is the member, the user corresponding to the family number, or the user corresponding to the friend number in step 2, and the type of the membership card is identified, when the user needs to pay cash, the cash is automatically adjusted The specific method of adjusting the flow of cash is as follows:

[0152] 1. When the membership card is a non-pre-deposit discount type membership card, the user uses the WeChat payment software, bank or UnionPay payment software, Alipay software or other third-party payment software in the mobile smart terminal to transfer the electronic cash paid to the merchant's account ;

[0153] 2. When the membership card is a pre-deposited discount membership card, if the user is the member or the user corresponding to the family number, the user does not need to use the WeChat payment software, bank or UnionPay payment software, Alipay software in the mobile smart terminal or Other third-party payment software is used to pay electronic cash. The merchant uses the cash flow determination module in the merchant system to automatically deduct the balance in the membership card according to the agreed discount based on the consumption amount; if the user is the user corresponding to the friend number, the user is Use the WeChat payment software, bank or UnionPay payment software, Alipay software or other third-party payment software in the mobile smart terminal to pay electronic cash according to the adjusted discount. The electronic cash flows to the member’s bank card. Merchants use the cash flow determination module in the merchant system to automatically deduct the balance of the membership card based on the agreed discount;

[0154] 3. When the membership card is a pre-stored rechargeable membership card, if the user is the member or the user corresponding to the family number, the user does not need to use the WeChat payment software, bank or UnionPay payment software, Alipay software or in the mobile smart terminal Other third-party payment software is used to pay electronic cash. The merchant uses the cash flow determination module in the merchant system to automatically deduct the balance in the membership card based on the consumption amount; if the user is the user corresponding to the friend number, the user uses the consumption amount as The base is used to pay electronic cash based on the adjusted discount using WeChat payment software, bank or UnionPay payment software, Alipay software or other third-party payment software in the mobile smart terminal. The electronic cash flows to the member’s bank card and the merchant passes through the merchant. The cash flow determination module in the system automatically deducts the balance in the membership card based on the consumption amount;

[0155] In addition, when the membership card is a non-pre-deposit discount membership card, after the electronic cash paid by the user reaches the merchant’s account, there is no need to create a sub-account again; when the membership card is a pre-deposit discount membership card or a pre-deposit recharge type membership card, the user needs to pay electronically When cash, the electronic cash arrives at the member's bank card, and the membership card sub-account automatic generation module in the merchant directory automatically creates a sub-account corresponding to the bank card of the member card in the merchant directory. In this way, the flexible adjustment of the preferential distribution plan is realized. Compared with the existing technology, the existing membership card settlement system can only settle according to the agreed preferential discount, and cannot automatically adjust the preferential distribution plan due to different member identities, so that the distribution The form of the scheme is single; and the present invention can automatically adjust the benefit distribution scheme among the stakeholders by automatically identifying the user identity and the corresponding membership card category, as well as by adding multiple relevant stakeholders, and by setting the capital flow and parameter settings. The payment system based on the mobile Internet shared membership card of the present invention recognizes the difference of the user's identity and the type of the corresponding membership card, and according to the difference of the third-party payment company's cost-bearing subjects, when the user completes the consumption, the third party is automatically aroused Payment tool and calculate the actual amount of cash that the user should pay: The payment system based on the mobile Internet shared membership card of the present invention recognizes the difference of the user’s identity and the type of the corresponding membership card, and according to the third-party payment company’s expense Different, when the user completes the consumption, the card balance of the membership card is automatically calculated and deducted; the payment system based on the mobile Internet shared membership card of the present invention recognizes the difference of the user's identity and the type of the corresponding membership card. Third-party payment companies have different cost-bearers. When the user completes consumption and pays cash, the actual income of each relevant stakeholder is automatically calculated and divided into their respective accounts.

[0156] The payment system based on the mobile Internet shared membership card can set interest subjects, including the member himself, the user corresponding to the family number set by the member, the merchant, the third-party payment company, the user corresponding to the friend number, Salespersons and platform service providers; the calculation method for the interests of the stakeholders is as follows:

[0157] 1. The third-party payment company’s fee is officially announced by the third-party payment company. The subject of the fee can be flexibly set as the merchant, user or other relevant interested party according to the specific situation. The merchant and user are the subject of the payment. The calculation method of the third-party payment company's fee is:

[0158] Third-party payment company fees = actual amount of cash paid by users × third-party payment company rates;

[0159] 2. The method of determining the merchant discount is as follows:

[0160] (1) When the membership card is a non-pre-deposit discount type membership card, the merchant discount is an agreed discount;

[0161] (2) When the membership card is a pre-deposit discount type membership card, the merchant discount is an agreed discount;

[0162] (3) When the membership card is a pre-deposited recharge type membership card, the merchant discount is calculated as: user pre-deposited cash ÷ (user pre-deposited cash + merchant free recharge), or converted into: user pre-deposited cash ÷ actual merchant recharge total;

[0163] 3. The method of calculating merchant revenue or member principal is as follows:

[0164] Merchant revenue or member principal = consumption amount × merchant discount;

[0165] 4. The method of calculating the redistributable base is as follows:

[0166] (1) When the user is the member or the user corresponding to the family number set by the member:

[0167] Redistributable base = 0;

[0168] (2) When the user is the user corresponding to the friend number:

[0169] Redistributable base = consumption amount × (1-merchant discount);

[0170].5. The method of setting the proportion of stakeholders in the redistributable base is as follows:

[0171] The total proportion of all stakeholders is equal to 100%;

[0172] 6. The method to calculate the redistributable income of the stakeholders in the redistributable base is as follows:

[0173] Member redistributable income = redistributable base × member ratio;

[0174] Merchants’ redistributable income = redistributable base × merchant ratio;

[0175] Salesman’s redistributable income = redistributable base × salesman ratio;

[0176] The platform merchants' redistributable income = redistributable base × platform merchant ratio;

[0177] User redistributable income = redistributable base × user ratio;

[0178] 7. The method of calculating the actual benefits of the redistribution of stakeholders is as follows:

[0179] (1) Under the condition that the third-party payment company fees are borne by the user:

[0180] Member's actual income from redistribution = member's due income from redistribution;

[0181] Merchant's actual income from redistribution = Merchant's due income from redistribution;

[0182] Salesman's real income from redistribution = Salesman's due income from redistribution;

[0183] The actual income of the platform merchant's redistribution = the platform merchant's due income from the redistribution;

[0184] (2) Under the condition that the third-party payment company fee is borne by the merchant:

[0185] Member's actual income = member's due income × (1-third-party payment company rate);

[0186] Merchant's actual income = merchant's due income × (1-third-party payment company rate);

[0187] Salesperson's actual income = salesperson's due income × (1-third-party payment company rate);

[0188] The actual income of the platform provider = the platform’s due income × (1-the third-party payment company rate);

[0189] The actual income of the stakeholder does not include the deduction of additional expenses incurred in cash withdrawal or transfer;

[0190] 8. The method of calculating the base of the amount of cash payable by the user is as follows:

[0191] (1) When the membership card is a non-pre-deposited discount membership card:

[0192] a. When the user is the member or the user corresponding to the family number set by the member:

[0193] User should pay cash base = consumption amount × merchant discount;

[0194] b. When the user is the user corresponding to the friend number:

[0195] User should pay cash base = consumption amount-user redistribution due income;

[0196] (2) When the membership card is a pre-deposit discount type membership card:

[0197] a. When the user is the member or the user corresponding to the family number set by the member:

[0198] Users do not need to pay cash;

[0199] b. When the user is a friend corresponding to the friend number:

[0200] User should pay cash base = consumption amount-user redistribution due income;

[0201] (3) When the membership card is a pre-deposited recharge type membership card:

[0202] a. When the user is the member or the user corresponding to the family number set by the member:

[0203] Users do not need to pay cash;

[0204] b. When the user is the user corresponding to the friend number:

[0205] User should pay cash base = consumption amount-user redistribution due income;

[0206] 9. The method of calculating the actual amount of cash payable by the user is as follows:

[0207] (1) Under the condition that the third-party payment company fees are borne by the user:

[0208] The actual amount of cash payable by the user = the base amount of cash payable by the user ÷ (1-the third-party payment company rate);

[0209] (2) Under the condition that the third-party payment company fee is borne by the merchant:

[0210] The actual amount of cash to be paid by the user = the base of cash to be paid by the user;

[0211] 10. The method for calculating the deduction of merchant membership card balance is as follows:

[0212] (1) When the membership card is a non-pre-deposited discount membership card: there is no need to deduct the card balance.

[0213] (2) When the membership card is a pre-deposit discount membership card:

[0214] a. Under the condition that the third-party payment company is borne by the user:

[0215] Merchant membership card deduction = consumption amount × merchant discount;

[0216] b. Under the condition that the third-party payment company fees are borne by the merchant:

[0217] Merchant membership card deduction = consumption amount × merchant discount × (1-third-party payment company rate);

[0218] (3) When the membership card is a pre-deposited recharge type membership card:

[0219] a. Under the condition that the third-party payment company is borne by the user:

[0220] Merchant membership card deductions = consumption amount;

[0221] b. Under the condition that the third-party payment company fees are borne by the merchant:

[0222] Merchant membership card deduction = consumption amount × (1-third-party payment company rate);

[0223] 11. The method of calculating the user's actual discount is as follows:

[0224] a. When the user is the member or the user corresponding to the family number set by the member:

[0225] User actual discount = merchant discount;

[0226] b. When the user is the user corresponding to the friend number:

[0227] User actual discount = actual amount of cash paid by user ÷ consumption amount.

[0228] Specific examples are introduced to further explain the calculation method for the interests of the stakeholders:

[0229] In the following application example, the parameters are set as follows:

[0230]

[0231] After the user scans the first QR code and enters the membership card number and consumption amount:

[0232] Example 1: When the membership card is a non-pre-deposited discount membership card, set the third-party payment fee to be borne by the merchant;

[0233] ① When the payment system based on mobile Internet shared membership card judges that the user is the member or the user corresponding to the family number set by the member:

[0234]

[0235] ②When the user is the user corresponding to the friend number

[0236]

[0237] Example 2: When the membership card is a pre-deposit discount type membership card, set the third-party payment fee to be borne by the user;

[0238] ①When the payment system based on the mobile Internet shared membership card judges that the user is the member or the user corresponding to the family number set by the member:

[0239]

[0240] ②When the user is the user corresponding to the friend number

[0241]

[0242] Example 3: When the membership card is a pre-deposited rechargeable membership card, set the third party payment fee to be borne by the user;

[0243] ①When the payment system based on mobile Internet sharing membership card judges that the user is the member or the user corresponding to the family number set by the member:

[0244]

[0245] ②When the user is the user corresponding to the friend number

[0246]

[0247] The mobile smart terminal account is a platform account such as WeChat account, Alipay account or mobile phone number, which is bound to the mobile smart terminal account by means of the membership card number, and is automatically identified by the merchant system when scanning the first two-dimensional code. The user does not need to carry the physical membership card, and there is no worry about losing the membership card.

[0248] The beneficial effects of this embodiment are:

[0249] 1. In this embodiment, through the binding of the membership card and the mobile smart terminal account, the member does not need to carry the membership card, and there is no worry about losing the membership card;

[0250] 2. In this embodiment, not only the actual revenue benefits of the merchants are guaranteed, but also the normal preferential use of the members themselves;

[0251] 3. In this embodiment, members can share membership card discounts between relatives by setting their family member number, eliminating the inconvenience of time and space for taking and returning cards between relatives, and also provides creative solutions for merchants to expand customer groups .

[0252] 4. In this embodiment, a member recommends through a circle of friends, not only can bring more customers to the merchant, but also can recover the principal and lower the threshold of membership card. Creatively realized the mutual benefit and win-win of all relevant stakeholders such as merchants, members, users, salesmen, platform providers, and third-party payment companies.

[0253] The communication connection between the mobile smart terminal and the merchant system is often implemented in two modes:

[0254] 1. Realize single-to-single mode communication via one-to-one mode. During the communication period, the number of mobile smart terminals is often large, and the mobile smart terminals often have to wait in sequence to receive information from the merchant system, and the timely transmission of information cannot be guaranteed.

[0255] 2. One-to-many communication is carried out via the mode of group sending. During communication, the merchant system can transmit information to several mobile smart terminals, so the probability of losing information is high, and the problem of information loss often occurs. The communication mode between the merchant system and the mobile smart terminal cannot achieve timely and correct communication performance.

[0256] The method for the merchant system to accept the connection and communicate with the mobile smart terminal is as follows:

[0257] Step 1-1: The merchant system and the mobile smart terminal realize the communication connection through the Internet, the merchant system and the PC set in the Internet build a communication connection based on the handshake protocol, and the PC and multiple mobile smart terminals build a communication connection based on the handshake protocol Communication connection

[0258] Step 1-2: The merchant system selects the mobile smart terminal as the destination from several mobile smart terminals for communication purposes, and transmits the information to be communicated and the information of the mobile smart terminal as the destination to the PC; the merchant system first The mobile smart terminal is selected as the destination from a plurality of mobile smart terminals as the communication destination, and then the merchant system sends a communication request to the PC, and after receiving the determined response, constructs a temporary storage space for the information, and bases the information on the handshake The communication method of the protocol is transmitted to the PC; the PC performs the correctness check of the information transmitted by the merchant system, and after the correctness is confirmed, the merchant system transmits the correct communication instruction information to the PC;

[0259] Step 1-3: If the number of mobile smart terminals as the destination is not less than the first critical number or the information capacity is not less than the second critical number, go to step 1-4 for execution, that is, use the group sending mode; if it is the destination If the number of mobile smart terminals is not greater than the first critical number or the information capacity is not greater than the second critical number, go to step 1-7 for execution, that is, use the one-to-one communication mode;

[0260] The one-to-one communication mode realizes the communication between a merchant system and a mobile smart terminal alone. The information is accurate. When the number of mobile smart terminals is small or the information capacity is not large, the one-to-one communication mode is used and temporarily stored and waited. Short cycle. The group sending mode realizes the communication between a merchant system and a number of mobile intelligent terminals, synchronous transmission, and the transmission speed is fast. Timeliness is better achieved during the period when the number of mobile intelligent terminals is large or the information capacity is not small, but broadcast generation The resulting defect in the correctness of information is resolved in the following way through the retransmission mode. The first critical number and the second critical number are measurement numbers, which can be flexibly configured depending on the measurement data.

[0261] Steps 1-4: The PC divides the obtained information into a number of first information frames, processes the information frames into information frames based on the handshake-free protocol, and sends them to the mobile smart terminal as the destination.

[0262] The information is sent to all mobile smart terminals in the Internet as the destination party through the group sending mode based on the handshake-free protocol. Only the mobile smart terminals in the Internet as the destination party can send information from the network adapter to the upper level;

[0263] Before transmitting information, the mobile smart terminal must know the basic information of the communication, including the capacity of the information, the right to read and write the information, the name of the information, the pointer of the information storage, the destination address of the group, and the identification code of the group, which can be divided into It can be sent several times from the PC, and it can also be sent once; after receiving the above information, the mobile smart terminal implements operations such as information construction, permission verification, pointer verification, and name verification in order to achieve concurrent operation of the PC and the mobile smart terminal;

[0264] The PC divides all information into several write-in spaces according to the capacity of the temporary storage space. The information in each temporary storage space is sequentially encapsulated according to the capacity of the information frame information part based on the handshake-free protocol. The handshake protocol information frame is transmitted to the mobile intelligent terminal that is known to all in the Internet as the destination in the mode of group transmission;

[0265] Steps 1-5: The mobile smart terminal as the destination performs a check on whether the received information frame based on the handshake protocol is missing information, and transmits the missing information to the PC; the PC obtains the number of missing information from this , If the number of missing information is not less than the third critical number, then go to step 1-4 to continue mass sending information frames based on the handshake-free protocol; if the number of missing information is not greater than the third critical number, then the PC For the mobile smart terminal with the missing information as the destination, the information corresponding to the missing information is retransmitted to the corresponding mobile smart terminal as the destination according to the one-to-one mode based on the handshake protocol;

[0266] The mobile intelligent terminal can continuously receive the information frame based on the handshake-free protocol and perform the missing information verification processing on the information frame. The mobile smart terminal always detects the status of the received information frame based on the handshake-free protocol, writes the information contained in the information frame based on the handshake-free protocol into the temporary storage space for receiving, and refreshes the temporary storage space for receiving; As the transmission of the temporary storage information for transmission ends, the receiving end needs to check in real time which information in the temporary storage space has not been refreshed, that is, which information frame based on the handshake-free protocol is in the transfer period of the temporary storage space to the temporary storage space in this round Lost, thereby constructing a temporary storage space for the loss of your own information.

[0267] The third critical number is the number of measurements, which can be flexibly configured depending on the measurement data.

[0268] After the information communication in a temporary storage space is completed, the PC will query each third intelligent terminal in turn

[0269] The status of the reception is based on the retransmission of missing information that must be retransmitted. The mobile smart terminal transmits the missing information to the PC. The PC transmits the information frame corresponding to the missing information to the mobile intelligent terminal again depending on the one-to-one communication mode. For missing information, one-to-one communication mode is used to prevent the defect of incorrect information caused by group sending.

[0270] Step 1-6: The mobile smart terminal verifies the information frame based on the handshake-free protocol. If the verification is okay, it terminates. If there is a problem with the verification, the mobile smart terminal responds to the PC’s error message frame information. The machine transmits the erroneous information frame based on the handshake-free protocol to the mobile intelligent terminal again depending on the one-to-one communication mode based on the handshake protocol;

[0271] Under the condition that all mobile intelligent terminals have no missing information, the transmitting party transmits a check code to request each destination to check the information in the temporary storage space; under the condition of no problems, the transmitting party obtains and transmits other residual information until All the information is transmitted, and during the inspection period, the information frame corresponding to the error message is again transmitted to the mobile intelligent terminal as the destination according to the one-to-one communication mode based on the handshake protocol;

[0272] Step 1-7: The PC transfers the obtained information to each mobile intelligent terminal according to the one-to-one communication mode based on the handshake protocol, thereby terminating the operation.

[0273] The beneficial effects of this embodiment are:

[0274] The one-to-one communication mode realizes the communication between a merchant system and a mobile smart terminal alone. The information is accurate. When the number of mobile smart terminals is small or the information capacity is not large, the one-to-one communication mode is used and temporarily stored and waited. Short cycle. The group sending mode realizes the communication between a merchant system and a number of mobile intelligent terminals, synchronous transmission, and the transmission speed is fast. Timeliness is better achieved during the period when the number of mobile intelligent terminals is large or the information capacity is not small, but broadcast generation The resulting defect in the correctness of information is resolved in the following way through the retransmission mode. The first critical number and the second critical number are measurement numbers, which can be flexibly configured depending on the measurement data. The mobile intelligent terminal can continuously receive the information frame based on the handshake-free protocol and perform the missing information verification processing on the information frame. The mobile smart terminal always detects the status of the received information frame based on the handshake-free protocol, writes the information contained in the information frame based on the handshake-free protocol into the temporary storage space for receiving, and refreshes the temporary storage space for receiving; As the transmission of the temporary storage information for transmission ends, the receiving end needs to check in real time which information in the temporary storage space has not been refreshed, that is, which information frame based on the handshake-free protocol is in the transfer period of the temporary storage space to the temporary storage space in this round If it is lost, it builds its own temporary storage space for information loss. After the information communication in a temporary storage space is completed, the PC will query the receiving status of each third intelligent terminal in turn and retransmit the lost information based on the retransmission. The mobile smart terminal transmits the missing information to the PC. The PC transmits the information frame corresponding to the missing information to the mobile intelligent terminal again depending on the one-to-one communication mode. For missing information, one-to-one communication mode is used to prevent the defect of incorrect information caused by group sending.