Internet of Things intelligent device asynchronous payment system and method

Abstract

The invention discloses an internet of things intelligent device asynchronous payment system and method, and the system comprises an intelligent device end APP which is used for receiving a transaction pushed by a transaction front-end subsystem, processing the transaction, and returning a processing result to the transaction front-end subsystem; the transaction front-end subsystem is used for pushing transaction requests sent by merchants or cashiers or ERP and the like to intelligent equipment in an asynchronous mode through the Internet of Things technology, and the intelligent equipment receives command requests such as payment and the like, completes payment actions and pushes results such as payment and the like to the system in an asynchronous notification mode to complete the whole payment actions. The system has the advantages that transactions are pushed to the terminal through the Internet of Things platform, and the problem of wired serial port connection between a merchant cashier terminal and a financial terminal is solved. A merchant only needs to be in butt joint with the asynchronous payment system of the intelligent equipment of the Internet of Things to realize communication between the cashier system and the intelligent equipment to complete payment and other operations.

Description

Technical Field

[0001] The present invention relates to the technical field of smart device payment, and in particular to an asynchronous payment system and method for smart devices in the Internet of Things. Background Art

[0002] The asynchronous payment system for IoT smart devices is used to push payment and other transaction instructions to smart devices through the asynchronous form of IoT. That is, the system initiates payment and other instructions to smart devices through the IoT platform. Smart devices receive payment and other command requests, complete payment and other actions, and push payment and other results to the payment system of the service in an asynchronous form. Smart devices are connected to the Internet. When they are offline, they can receive various consumer refund and other requests pushed by the asynchronous payment system for IoT smart devices through the IoT platform. Smart devices receive requests and push the processing results to the asynchronous payment system for IoT smart devices.

[0003] Traditional smart devices have the following business pain points: First, the merchant cashier terminal and the financial terminal are connected through a wired serial port, which has various disadvantages such as inconvenience in movement. Second, traditional smart devices are connected to the merchant cashier terminal through a serial port, occupying the merchant cashier terminal port; secondly, some cashier devices do not allow external devices for security considerations, which does not meet the security access requirements of special business scenarios; due to the length limit of the serial port line, the business radius is limited and the operation table is messy. Third, traditional smart devices rely on serial port lines, and deployment requires configuring serial port lines one by one, which is cumbersome, especially for large chain merchants, and the workload is huge. Summary of the invention

[0004] The purpose of the present invention is to provide an asynchronous payment system and method for an Internet of Things smart device, so as to solve the above-mentioned problems existing in the prior art.

[0005] In order to achieve the above object, the technical solution adopted by the present invention is as follows:

[0006] An asynchronous payment system for an Internet of Things smart device, comprising:

[0007] Smart device APP is used to receive transactions pushed by the transaction front-end subsystem, process transactions and return the processing results to the transaction front-end subsystem; the smart device APP includes platform parameter download, push service subscription, transaction reception and processing, transaction result push, payment result push, detail browsing, log query and setting functions;

[0008] The transaction front-end subsystem is used to push the transaction requests sent by merchants, cashiers or ERP to smart devices in asynchronous form through the Internet of Things technology. The smart device receives the command request, completes the payment action, and pushes the payment result to the system in the form of asynchronous notification to complete the entire payment action; the transaction front-end subsystem includes POS parameter download, message publishing, transaction instruction push, transaction result query push, transaction notification reception, transaction data recording, and log recording functions.

[0009] Preferably, the platform parameter download is to download the parameters and device key information about the Internet of Things in the transaction front-end subsystem;

[0010] The push service subscription is to subscribe to the transaction request instruction information of the Internet of Things platform released by the transaction front-end subsystem;

[0011] The transaction receiving process is to receive the transaction request pushed by the server and perform the transaction after receiving the transaction instruction;

[0012] Transaction result push means asynchronously pushing the transaction processing results to the transaction front-end subsystem;

[0013] Detail browsing means browsing the transaction details of the day;

[0014] Log query is to query transaction logs;

[0015] Settings are network, address, and merchant number settings.

[0016] Preferably, the POS parameter download is to download the parameters before the POS transaction to obtain the IoT parameter information from the platform;

[0017] Message publishing is publishing transaction messages to the IoT platform, and smart devices subscribe to and consume the messages;

[0018] Transaction instruction push means that the merchant pushes the transaction to the transaction front-end subsystem, which is equivalent to asynchronously pushing the message to the IoT platform, and the smart device consumes the transaction message;

[0019] Transaction result query push means that, under normal circumstances, the transaction result is returned to the merchant in synchronous or asynchronous form. Under extremely abnormal circumstances, the merchant cannot receive the transaction result, and at this time, the merchant needs to initiate a query request; when the merchant initiates a transaction result query transaction to the transaction front-end subsystem, the system first checks the local database. If there is no local result, the system pushes the message to the IoT platform. The smart device receives the transaction result query instruction and initiates a local query. If there is no local result, the smart device initiates a query to the acquiring system;

[0020] Transaction notification reception is, in synchronous case, the transaction pre-processing transaction results are synchronously returned to the merchant; transaction notification reception is only used in asynchronous case, the transaction request merchant sends the request address, and after the smart device transaction is completed, the transaction result is pushed to the transaction pre-processing subsystem in the form of asynchronous notification. The transaction pre-processing subsystem receives the result and sends it to the merchant through the notification address.

[0021] Preferably, the transaction includes consumption, cancellation, refund, consumption inquiry, refund inquiry, cancellation inquiry, pre-authorization, pre-authorization confirmation, inquiry, sign-in, reprint, summary, and settlement.

[0022] Preferably, the system further comprises a management subsystem, which is an auxiliary system of the transaction front-end subsystem and is responsible for business parameter maintenance and report statistical analysis of the transaction front-end subsystem;

[0023] The business parameter maintenance includes channel management, customer management, merchant management, and equipment management functions;

[0024] The report statistical analysis includes the functions of pre-transaction detail report, pre-transaction summary report, bank transaction detail report and bank transaction summary report.

[0025] Preferably, the channel management supports multi-channel payment;

[0026] Customer management is used to access customers to implement customer maintenance management, including customer signature keys, validity period management and customer number management; supports multi-customer access;

[0027] Merchant management is used to maintain the functions of adding, deleting, modifying and viewing merchants to which customers belong;

[0028] Device management is used to maintain the functions of adding, deleting, modifying, viewing, and batch importing smart devices of the merchant to which the customer belongs. When adding a smart device, the device needs to be registered on the Alibaba IoT platform. Only after the device is registered on the IoT platform can the device publish subscription messages.

[0029] Preferably, the pre-transaction detail report is used to monitor the transaction status of the day and can check the success or failure of the transaction;

[0030] The pre-transaction summary report is used to count the number of merchant transactions and transaction amounts during a certain period of time on the day;

[0031] The bank transaction details report is used to count the transaction status of a certain period of time based on the bank's T+1 bill;

[0032] The bank transaction summary report is used to count the number of merchant transactions and transaction amounts in a certain period of time based on the bank's next-day statement.

[0033] Preferably, the system also includes a reconciliation subsystem, which periodically runs batch downloads to import bill data into the acquiring system, combines the system's local transaction flow, processes and produces detailed or summarized bill files for customers, and uploads them to customers via FTP or SFTP.

[0034] Preferably, the system also includes a database, which is used to store system business transaction related data for report display and business processing platform data retrieval.

[0035] The present invention also aims to provide an asynchronous payment method for an Internet of Things smart device, which is implemented based on the asynchronous payment system for the Internet of Things smart device. The method comprises the following steps:

[0036] S1. For new customers, add a new customer in the customer management menu, generate a customer number and customer signature key; provide the customer number and customer signature key to the customer for use in transactions;

[0037] S2. Install the terminal APP application corresponding to the asynchronous payment system for IoT smart devices on the smart device, and configure the access address and customer number of the asynchronous payment system for IoT smart devices in the settings;

[0038] S3. Add the SN information of the smart device in the device management of the management subsystem, complete the registration of the device on the Internet of Things platform, and obtain the terminal key;

[0039] S4, the smart device downloads parameters and obtains relevant parameters of the IoT platform from the server. The parameters are used to subscribe to transaction information later. After the parameters are downloaded, they wait for receiving instruction information;

[0040] S5. The merchant or cash register system initiates a consumption request to the asynchronous payment system of the IoT smart device;

[0041] S6. After receiving the consumption request, the service pushes the request to the IoT platform in an asynchronous form according to the device SN information, and the smart device subscribes to the consumption information according to the device SN information;

[0042] S7. After receiving the consumption request, the smart device makes the consumption and feeds back the consumption result to the asynchronous payment system of the IoT smart device after the consumption is successful.

[0043] S8. In the synchronous case, the asynchronous payment system of the IoT smart device receives the consumption result and synchronously returns the payment result to the merchant or cash register system. When the merchant or cash register system receives the payment result, the current customer payment operation is completed. In the asynchronous case, after the asynchronous payment system of the IoT smart device responds to the merchant's push message successfully, the smart device pushes the payment result to the service in an asynchronous form, and the service pushes the payment result to the merchant through the notification address, completing the current customer payment operation.

[0044] The beneficial effect of the present invention is that the transaction is pushed to the terminal through the Internet of Things platform, which solves the problem of wired serial port connection between the merchant's cashier terminal and the financial terminal. The merchant only needs to connect with the asynchronous payment system of the Internet of Things smart device to realize the communication between the cashier system and the smart device to complete payment and other operations. BRIEF DESCRIPTION OF THE DRAWINGS

[0045] Figure 1 is a structural diagram of an asynchronous payment system in an embodiment of the present invention;

[0046] Figure 2 It is a flow chart of the asynchronous payment method in an embodiment of the present invention. DETAILED DESCRIPTION

[0047] In order to make the purpose, technical solution and advantages of the present invention more clearly understood, the present invention is further described in detail below in conjunction with the accompanying drawings. It should be understood that the specific implementation methods described herein are only used to explain the present invention and are not used to limit the present invention.

[0048] like Figure 1 As shown, in this embodiment, an asynchronous payment system for IoT smart devices is provided, including: 1. Smart device end APP

[0049] The smart device APP is mainly used to receive transactions pushed by the transaction front-end subsystem, and then process transactions (such as consumption, refunds, query payment results, query refund results, etc.), and then return the processing results to the transaction front-end subsystem. The smart device APP mainly includes the following functions: platform parameter download, push service subscription, transaction reception and processing, transaction result push, payment result push, detail browsing, log query function, setting function.

[0050] Platform parameter download: used to download parameters and device key information about the Internet of Things in the transaction front-end subsystem.

[0051] The push service subscription is used to subscribe to the transaction request instruction information of the Internet of Things platform released by the transaction front-end subsystem, that is, the subscription message.

[0052] The transaction receiving process is used to receive the transaction request pushed by the server and conduct the transaction after receiving the transaction instruction. The transaction includes consumption, cancellation, refund, consumption inquiry, refund inquiry, cancellation inquiry, pre-authorization related transactions and other transactions.

[0053] Transaction result push: asynchronously push the transaction processing results to the transaction front-end subsystem.

[0054] Detailed browsing: Browse the transaction details of the day.

[0055] Log query: query transaction log.

[0056] Settings: network, address, merchant number and other settings.

[0057] 2. Transaction Pre-system

[0058] The transaction front-end subsystem pushes the transaction request sent by the merchant, cash register or ERP to the smart device in an asynchronous form through the Internet of Things technology. The smart device receives the payment command request, completes the payment action, and pushes the payment result to the system in an asynchronous notification form to complete the entire payment action.

[0059] The transaction front-end subsystem mainly includes the following functions: POS parameter download function, message publishing, transaction instruction push, transaction result query push, transaction notification reception, transaction data recording, and log recording function. Among them, transactions include consumption, cancellation, refund, pre-authorization, pre-authorization confirmation, query, sign-in, reprint, summary, settlement, etc. The transaction front-end subsystem supports multi-channel (multi-acquirer) and multi-customer mode.

[0060] POS parameter download: Before POS transaction, download the parameters to obtain IoT parameter information from the platform.

[0061] Message publishing: Publish transaction messages to the IoT platform, and smart devices subscribe to and consume the messages.

[0062] Transaction instruction push: Merchants push transactions to the transaction front-end subsystem, which is equivalent to asynchronously pushing messages to the IoT platform, and smart devices consume transaction messages.

[0063] Transaction result query and push: Under normal circumstances, the transaction results are returned to the merchant in synchronous or asynchronous form. Under extremely abnormal circumstances, the merchant cannot receive the transaction results. At this time, the merchant needs to initiate a query request; when the merchant initiates a transaction result query transaction to the transaction front-end subsystem, the system first checks the local database. When there is no local result, the system pushes the message to the Internet of Things platform. The smart device receives the transaction result query instruction and initiates a local query. When there is no local result, the smart device initiates a query to the acquiring system.

[0064] Receiving transaction notifications: In synchronous situations, the transaction results of the transaction pre-processing are synchronously returned to the merchant; receiving transaction notifications is only used in asynchronous situations. The merchant submits the request address for the transaction request. After the smart device completes the transaction, the transaction result is pushed to the transaction pre-processing subsystem in the form of an asynchronous notification. The transaction pre-processing subsystem receives the result and sends it to the merchant through the notification address.

[0065] 3. Management Subsystem

[0066] The management subsystem is an auxiliary system of the transaction front-end subsystem and is responsible for the business parameter maintenance and report statistical analysis of the transaction front-end subsystem.

[0067] (1) The business parameter maintenance mainly includes channel management, customer management, merchant management, and equipment management functions.

[0068] Channel management: support multi-channel (bank) payment.

[0069] Customer management: used to access customers to implement customer maintenance management, including customer signature keys, validity period management and customer number (APP ID) management; supports multiple customer access.

[0070] Merchant management: used to maintain the functions of adding, deleting, modifying and viewing merchants belonging to customers.

[0071] Device management: used to maintain the functions of adding, deleting, modifying, viewing and batch importing smart devices of the merchant to which the customer belongs; when adding a smart device, the device needs to be registered on the Alibaba IoT platform. Only after the device is registered on the IoT platform can the device publish subscription messages.

[0072] (2) The report statistical analysis includes the functions of the pre-transaction detail report, the pre-transaction summary report, the bank transaction detail report and the bank transaction summary report.

[0073] The previous transaction details report is used to monitor the current day's transactions and can check whether the transaction is successful or failed.

[0074] The previous transaction summary report is used to count the number of merchant transactions and transaction amounts in a certain period of time on the same day.

[0075] The bank transaction details report is used to count the transaction status of a certain period of time based on the bank's T+1 statement.

[0076] The bank transaction summary report is used to count the number of merchant transactions and transaction amounts in a certain period of time based on the bank's next-day statement.

[0077] 4. Account Reconciliation Subsystem

[0078] The reconciliation subsystem periodically runs batch downloads to import bill data into the acquiring system, combines the local transaction flow of the system, processes and produces detailed or summarized bill files for customers, and uploads them to customers via FTP or SFTP.

[0079] 5. Database

[0080] The database is used to store system business transaction related data, which is used for report display and business processing platform data retrieval.

[0081] like Figure 2 As shown, in this embodiment, a method for asynchronous payment of an Internet of Things smart device is provided. The method is implemented based on the asynchronous payment system of the Internet of Things smart device, and the method includes the following steps:

[0082] S1. For new customers, add a new customer in the customer management menu, generate a customer ID (APPID) and a customer signature key; provide the customer ID and customer signature key to the customer for use in transactions;

[0083] S2. Install the terminal APP application corresponding to the asynchronous payment system for IoT smart devices on the smart device, and configure the access address and customer number of the asynchronous payment system for IoT smart devices in the settings;

[0084] S3. Add the smart device SN and other information in the device management of the management subsystem, complete the registration of the device on the IoT platform, and obtain the terminal key;

[0085] S4, the smart device downloads parameters and obtains relevant parameters of the IoT platform from the server. The parameters are used to subscribe to transaction information later. After the parameters are downloaded, they wait for receiving instruction information;

[0086] S5. The merchant or cash register system initiates a consumption request to the asynchronous payment system of the IoT smart device;

[0087] S6. After receiving the consumption request, the service pushes the request to the IoT platform in an asynchronous form according to the device SN number, and the smart device subscribes to the consumption information according to the device SN number;

[0088] S7. After receiving the consumption request, the smart device makes the consumption and feeds back the consumption result to the asynchronous payment system of the IoT smart device after the consumption is successful.

[0089] S8. In the synchronous case, the asynchronous payment system of the IoT smart device receives the consumption result and synchronously returns the payment result to the merchant or cash register system. When the merchant or cash register system receives the payment result, the current customer payment operation is completed. In the asynchronous case, the successful response of the asynchronous payment system of the IoT smart device to the merchant push message only represents the message push result and not the payment result. Therefore, the smart device needs to push the payment result to the service in an asynchronous form, and the service then pushes the payment result to the merchant through the notification address, thus completing the current customer payment operation.

[0090] By adopting the above technical solution disclosed in the present invention, the following beneficial effects are obtained:

[0091] The present invention provides an asynchronous payment system and method for an Internet of Things smart device, which pushes transactions to terminals through an Internet of Things platform, solving the problem of wired serial port connection between merchant cashier terminals and financial terminals. Merchants only need to connect to the asynchronous payment system for Internet of Things smart devices to achieve communication between the cashier system and the smart device to complete payment and other operations.

[0092] The above is only a preferred embodiment of the present invention. It should be pointed out that for ordinary technicians in this technical field, several improvements and modifications can be made without departing from the principle of the present invention. These improvements and modifications should also be considered as the scope of protection of the present invention.

Claims

1. An asynchronous payment system for IoT smart devices, characterized by: include, Smart device APP is used to receive transactions pushed by the transaction front-end subsystem, process transactions and return the processing results to the transaction front-end subsystem; the smart device APP includes platform parameter download, push service subscription, transaction reception and processing, transaction result push, payment result push, detail browsing, log query and setting functions; The transaction front-end subsystem is used to push the transaction requests sent by merchants, cashiers or ERP to smart devices in asynchronous form through the Internet of Things technology. The smart device receives the command request, completes the payment action, and pushes the payment result to the system in the form of asynchronous notification to complete the entire payment action; the transaction front-end subsystem includes POS parameter download, message publishing, transaction instruction push, transaction result query push, transaction notification reception, transaction data recording, and log recording functions.

2. The asynchronous payment system for IoT smart devices according to claim 1, characterized in that: Platform parameter download is to download the parameters and device key information about the Internet of Things in the transaction front-end subsystem; The push service subscription is to subscribe to the transaction request instruction information of the Internet of Things platform released by the transaction front-end subsystem; The transaction receiving process is to receive the transaction request pushed by the server and perform the transaction after receiving the transaction instruction; Transaction result push means asynchronously pushing the transaction processing results to the transaction front-end subsystem; Detail browsing means browsing the transaction details of the day; Log query is to query transaction logs; Settings are network, address, and merchant number settings.

3. The asynchronous payment system for IoT smart devices according to claim 1, characterized in that: POS parameter download is to download parameters before POS transaction to obtain IoT parameter information from the platform; Message publishing is publishing transaction messages to the IoT platform, and smart devices subscribe to and consume the messages; Transaction instruction push means that the merchant pushes the transaction to the transaction front-end subsystem, which is equivalent to asynchronously pushing the message to the IoT platform, and the smart device consumes the transaction message; Transaction result query push means that, under normal circumstances, the transaction result is returned to the merchant in synchronous or asynchronous form. Under extremely abnormal circumstances, the merchant cannot receive the transaction result, and at this time, the merchant needs to initiate a query request; when the merchant initiates a transaction result query transaction to the transaction front-end subsystem, the system first checks the local database. If there is no local result, the system pushes the message to the IoT platform. The smart device receives the transaction result query instruction and initiates a local query. If there is no local result, the smart device initiates a query to the acquiring system; Transaction notification reception is, in synchronous case, the transaction pre-processing transaction results are synchronously returned to the merchant; transaction notification reception is only used in asynchronous case, the transaction request merchant sends the request address, and after the smart device transaction is completed, the transaction result is pushed to the transaction pre-processing subsystem in the form of asynchronous notification. The transaction pre-processing subsystem receives the result and sends it to the merchant through the notification address.

4. The asynchronous payment system for IoT smart devices according to claim 1, characterized in that: The transactions include consumption, cancellation, refund, consumption inquiry, refund inquiry, cancellation inquiry, pre-authorization, pre-authorization confirmation, inquiry, sign-in, reprint, summary and settlement.

5. The asynchronous payment system for IoT smart devices according to claim 1, characterized in that: The system also includes a management subsystem, which is an auxiliary system of the transaction front-end subsystem and is responsible for business parameter maintenance and report statistical analysis of the transaction front-end subsystem; The business parameter maintenance includes channel management, customer management, merchant management, and equipment management functions; The report statistical analysis includes the functions of pre-transaction detail report, pre-transaction summary report, bank transaction detail report and bank transaction summary report.

6. The asynchronous payment system for IoT smart devices according to claim 1, characterized in that: Channel management supports multi-channel payment; Customer management is used to access customers to implement customer maintenance management, including customer signature keys, validity period management and customer number management; supports multi-customer access; Merchant management is used to maintain the functions of adding, deleting, modifying and viewing merchants to which customers belong; Device management is used to maintain the functions of adding, deleting, modifying, viewing, and batch importing smart devices of the merchant to which the customer belongs. When adding a smart device, the device needs to be registered on the Alibaba IoT platform. Only after the device is registered on the IoT platform can the device publish subscription messages.

7. The asynchronous payment system for IoT smart devices according to claim 1, characterized in that: The previous transaction details report is used to monitor the transaction status of the day and can check the success or failure of the transaction; The pre-transaction summary report is used to count the number of merchant transactions and transaction amounts during a certain period of time on the day; The bank transaction details report is used to count the transaction status of a certain period of time based on the bank's T+1 bill; The bank transaction summary report is used to count the number of merchant transactions and transaction amounts in a certain period of time based on the bank's next-day statement.

8. The asynchronous payment system for IoT smart devices according to claim 1, characterized in that: The system also includes a reconciliation subsystem, which periodically runs batch downloads to import bill data into the acquiring system, combines the system's local transaction flow, processes and produces detailed or summarized bill files for customers, and uploads them to customers via FTP or SFTP.

9. The asynchronous payment system for IoT smart devices according to claim 1, characterized in that: The system also includes a database, which is used to store system business transaction related data for report display and business processing platform data retrieval.

10. An asynchronous payment method for an IoT smart device, characterized in that: The method is implemented based on the asynchronous payment system for IoT smart devices according to any one of claims 1 to 9, and the method comprises the following steps: S1. For new customers, add a new customer in the customer management menu, generate a customer number and customer signature key; provide the customer number and customer signature key to the customer for use in transactions; S2. Install the terminal APP application corresponding to the asynchronous payment system for IoT smart devices on the smart device, and configure the access address and customer number of the asynchronous payment system for IoT smart devices in the settings; S3. Add the SN information of the smart device in the device management of the management subsystem, complete the registration of the device on the Internet of Things platform, and obtain the terminal key; S4, the smart device downloads parameters and obtains relevant parameters of the IoT platform from the server. The parameters are used to subscribe to transaction information later. After the parameters are downloaded, they wait for receiving instruction information; S5. The merchant or cash register system initiates a consumption request to the asynchronous payment system of the IoT smart device; S6. After receiving the consumption request, the service pushes the request to the IoT platform in an asynchronous form according to the device SN information, and the smart device subscribes to the consumption information according to the device SN information; S7. After receiving the consumption request, the smart device makes the consumption and feeds back the consumption result to the asynchronous payment system of the IoT smart device after the consumption is successful. S8. In the synchronous case, the asynchronous payment system of the IoT smart device receives the consumption result and synchronously returns the payment result to the merchant or cash register system. When the merchant or cash register system receives the payment result, the current customer payment operation is completed. In the asynchronous case, after the asynchronous payment system of the IoT smart device responds to the merchant's push message successfully, the smart device pushes the payment result to the service in an asynchronous form, and the service pushes the payment result to the merchant through the notification address, completing the current customer payment operation.

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