CN116664120B - Method and system for realizing unique identification of consumer identity across payment channels - Google Patents
Method and system for realizing unique identification of consumer identity across payment channels Download PDFInfo
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Abstract
The invention belongs to the technical field of aggregate payment, and relates to a method and a system for realizing unique identification of a consumer identity across a payment channel. By utilizing a communication public interface, a method for realizing unique identification of a consumer identity across payment channels is formed, multiple consumption records of the same consumer in different WeChat payment channels are identified through consumer Sub openID, the problem that openID generated when the same consumer completes WeChat payment through different banking institutions in an aggregate payment interline mode is solved, and unique consumer identity across banks is generated; through application unionID, multiple consumption records of the same consumer in different WeChat cashing systems are identified, and unique identification of the consumer identity is realized based on a cross-direct mode and an inter-indirect mode of multiple merchant databases; and establishing a method for identifying and corresponding to the unique identification ID of the consumer fed back by the WeChat and the payment treasures independently, and finishing the accurate identification correspondence between the same consumer's payment treasures ID and the WeChat ID.
Description
Technical Field
The invention relates to the technical field of aggregate payment, in particular to a method and a system for realizing unique identification of a consumer identity across a payment channel.
Background
The aggregate payment refers to a payment service except for a payment, settlement and clearing service, and the payment services of more than one commercial bank and non-bank payment mechanism are integrated together by means of the payment channels and clearing and settlement capabilities of the commercial bank and non-bank payment mechanism, so that services such as a payment channel service, an aggregate reconciliation service, a technical docking service, an error handling service, a financial service guide, a membership account service, a workflow software service, an operation and maintenance service, a terminal providing and maintaining service and the like are provided for merchants.
The aggregate payment system effectively combines the Internet, the terminal equipment and the financial institutions to realize the cashing function, and is essentially a cashing system, and two common modes in the current aggregate payment industry are a direct connection mode and an indirect connection mode. The direct connection mode refers to that a merchant self-development system carries out transactions on WeChat or payment treasures, the WeChat or payment treasures directly settle funds to settlement accounts of merchants, and the merchants provide payment services for users. The merchant is not connected with other three-party institutions in the direct connection mode, the merchant is directly connected with the official channels of the WeChat and the payment treasury, and the transaction and the fund flow are directly processed by the WeChat and the payment treasury. The indirect mode is that the merchant accesses the WeChat and the payment treasury indirectly through an indirect channel (bank or other three-party mechanism), the transaction and the fund flow are processed by the WeChat and the payment treasury after passing through the indirect channel (bank or three-party mechanism), and the merchant is only in butt joint with the WeChat and the payment treasury indirectly. Relatively speaking, the direct connection mode has good stability, straight authorities and small fund security risk, and the mode requires merchants to have system development capability, so that the mode has higher threshold and is suitable for large merchants and chain stores with high brand and market requirements; the intermittent mode has lower rate, simple and convenient flow and flexible service mode, and is suitable for small and medium micro merchants without development capability in the market. According to incomplete statistics, the current proportion of medium and small micro-merchants adopting an aggregate payment inter-connection mode in China is more than 90%, and the proportion of large merchants and chain stores adopting an aggregate payment direct-connection mode is less than 10%.
In the aggregate payment process, after the consumer successfully pays through the mobile phone, the WeChat and the Payment device feed back the consumer identification ID (WeChat feedback openID and Payment device feedback Buy_user_ID) to the caller, so that the consumer identification ID can be theoretically used as a unique identification of the unified consumer. In the payment rule system of the payment treasure, the Buy_user_ID returned after the payment treasure collects the money is a unique identifier generated by the payment treasure for identifying the consumer, direct connection or indirect connection channels are not distinguished, and all service merchants are sampled, so that the Buy_user_ID can be used as the unique identifier of the consumer under the payment treasure system. In the WeChat payment rule system, the aggregate payment function is realized through WeChat service provider application carriers such as WeChat public numbers or WeChat applets, openID is unique user identity identification generated by WeChat public numbers (WeChat applets) for consumer WeChat, and the same consumer has different openID relative to different WeChat public numbers (WeChat applets). In the aggregate payment process, if the merchant adopts a direct connection mode, the consumer WeChat makes a way with the merchant WeChat public signal (WeChat applet), and after the payment is successful, weChat feedback is generated by the merchant WeChat public signal (WeChat applet) openID. If the merchant adopts an indirect mode, the consumer WeChat and the WeChat public number (WeChat applet) of the payment service provider are crossed, and after the payment is successful, weChat feedback is generated by the WeChat public number (WeChat applet) of the payment service provider openID. In the interlining mode, commercial banks and non-bank payment institutions collect commercial transaction money through WeChat payment, and openID generated when the same consumer finishes payment through different banks (institutions) are different. In the WeChat payment intermodal, openID returned after the WeChat is collected is not the unique identifier generated by the WeChat for identifying the consumer, and therefore cannot be used as the unique identifier for identifying the consumer in the WeChat payment system.
The Chinese patent document CN114331569A discloses a method and a system for analyzing the consumption behaviors of users in different scenes in a commercial space, wherein consumer consumption data of the different scenes in the commercial space are obtained, unique identity marks of the consumers are built by adopting openID, the consumption data are classified based on the identity marks of the consumers, and a Neo4j graph database is built, so that the analysis of the consumption behaviors of the users is performed. The technical scheme has the defects that: firstly, the scheme is only suitable for large merchants and chain stores which adopt an aggregate payment direct connection mode, for small and medium micro merchants which occupy more than 90% and adopt an aggregate payment indirect connection mode, the same consumer can finish openID different types of WeChat payment through different banks (institutions), and the technical scheme cannot generate a cross-payment channel and globally unique identity for the consumer, so that the application range is small and the limitation is large; secondly, the WeChat and the payment treasured feed back the consumer identification ID respectively, and the WeChat feedback openID and the payment treasured feedback Buy_user_ID in the actual operation process do not provide a method for establishing the identification correspondence of the unique identification ID of the consumer fed back by the WeChat and the payment treasured independently. Therefore, a method and system for implementing unique identification of consumer identity across payment channels based on an aggregate payment inter-connection mode are needed to solve the problems in the background art.
Disclosure of Invention
The invention aims to solve the technical problems that: the method overcomes the defects existing in the prior art, forms a method for realizing unique identification of the consumer identity by using the open interface of the Tencent, solves the problem that openID generated by the same consumer completing WeChat payment through different banking institutions in the aggregate payment intermodule is different, and generates unique consumer identity across banks and globally; and establishing a method for identifying and corresponding to the unique identification ID of the consumer fed back by the WeChat and the payment treasures independently, and finishing the accurate identification correspondence between the same consumer's payment treasures ID and the WeChat ID. The technical scheme for solving the technical problems is as follows:
Aiming at the defects existing in the prior art, one of the purposes of the invention is to provide a method for realizing unique identification of a consumer by crossing a payment channel, and the unique identification Sub_ openID of the consumer is obtained through two steps of an account opening registration flow and a data transmission flow by using a communication open interface;
s1 the registration flow of opening an account only needs to be set when opening an account for the first time, which is characterized by comprising the following steps:
S1.1, registering a main unit as a WeChat payment service provider, wherein the main unit registration type is a channel provider;
S1.2, applying for registration of a WeChat service provider application carrier by a main body unit, and obtaining an AppID of the main body unit WeChat service provider application carrier;
S1.3, registering a bank or non-bank payment mechanism as a WeChat payment service provider, wherein the registration type of the bank or non-bank payment mechanism is a practitioner, and setting the subject unit as a WeChat payment channel provider;
s1.4, registering a terminal merchant as a WeChat payment special offer merchant, wherein when the terminal merchant accesses an aggregate payment system through the bank or non-bank payment mechanism for the first time, the terminal merchant applies for opening payment through the main body unit WeChat payment channel merchant;
s1.5, the bank or non-bank payment mechanism configures the terminal merchant sub_AppID as the main body unit AppID, and generates a merchant number binding the AppID for the terminal merchant;
s2, the data transfer flow runs through the whole process of every micro-letter code scanning payment of the consumer, and is characterized by comprising the following steps:
S2.1, the consumer sends a payment request to the terminal merchant aggregate payment system through a WeChat code scanning operation;
s2.2, the terminal merchant aggregate payment system sends the payment request bound with the AppID merchant number to the bank or non-bank payment mechanism;
s2.3, the bank or non-bank payment mechanism sends the payment request bound with the AppID merchant number to a WeChat payment platform;
S2.4, the WeChat payment platform completes the collection operation, generates consumer Sub-openID corresponding to the main body unit AppID, feeds back collection confirmation information containing Sub-openID to the bank or non-bank payment mechanism, and feeds back deduction confirmation information to the consumer;
S2.5, the bank or non-bank payment mechanism feeds back the collection confirmation information to the terminal merchant aggregate payment system, and feeds back the collection confirmation information containing the Sub-openID to the main body unit;
S2.6, the subject unit establishes a member database based on a unique identification Sub_ openID of a consumer;
The consumer Sub openID can identify multiple consumption records of the same consumer in different WeChat payment channels, unique identification of the consumer identity is realized across the WeChat payment channels, the problem that the identity identifications generated by the same consumer completing WeChat payment through different banks in an aggregated payment interline mode are different is solved, and a cross-bank and global unique consumer identity is generated.
Further, based on step S1.2, the micro-letter service application carrier is a micro-letter public number or a micro-letter applet.
Further, based on step S1.4, the terminal merchant is a legal or illegal organization that implements WeChat collection using an aggregated payment system.
Further, based on step S2.1, the micro-letter scanning operation is a consumer main scanning or a consumer is scanned; the consumer main sweep is a consumer WeChat main sweep aggregate payment system cash register; the consumer is scanned, and the consumer WeChat payment code is scanned by the code scanning equipment of the aggregate payment system.
Further, based on step S2.2, the payment request information bound with the app id merchant number includes a merchant number, an order number, a payment amount, and order preference flag parameters.
Further, based on step S2.4, the payment confirmation information including the sub_ openID parameter includes the customer sub_ openID, the order number, the payment bank, the payment status of the micro-code scanning operation, the payment completion time, and the preferential amount parameter.
Further, based on step S2.6, the member database based on the unique identification sub_ openID of the consumer includes: each consumer Sub openID carries out the order number, the merchant number, the commodity code, the order time, the order amount and the preferential amount of the micro-letter code scanning operation each time.
Aiming at the defects existing in the prior art, the second purpose of the invention is to provide a system for realizing unique identification of consumer identities across payment channels, which is constructed by adopting the method, and the technical scheme is as follows:
M1 is based on the consumer identity identification module of the WeChat, its function is to obtain the unique identification information of consumer identity, adopt a method to realize unique identification of consumer identity across the payment channel as claimed in any one of claims 1-7, after the consumer pays successfully through the mobile phone WeChat, the WeChat pays the platform feedback principal unit to pay the principal unit and links the consumer identity unique identification information Sub_ openID of the mode rule system based on the WeChat on the basis of the WeChat, the said principal unit builds the member database based on unique identity identification Sub_ openID of consumer; multiple consumption records of the same consumer in different WeChat payment channels can be identified by applying consumer Sub openID, and a global unique consumer identity mark which is based on a WeChat payment system and spans banks is generated, namely, the unique consumer identity mark is realized based on a plurality of WeChat payment channels; the Sub-openID mode application scene is a terminal merchant for realizing aggregate payment through a main body unit, and solves the problem of unique identification of the part of consumers subjected to WeChat payment at the terminal merchant managed by the main body unit;
m2 binds all AppID of the lower level unit and the upper level unit WeChat open platform account based on the WeChat unionID identification module, when the consumer finishes WeChat payment at any terminal merchant of the lower level unit, the WeChat feeds back a unique consumer unionID corresponding to the upper level unit WeChat open platform account;
Through the application unionID, the superior unit can grasp the consumption condition of the consumer at the terminal merchant to which all subordinate units belong, namely after the consumer finishes the WeChat payment at the terminal merchant to which different subordinate units belong, the WeChat feeds back the unique consumer unionID corresponding to the WeChat open platform account number of the superior unit, thereby realizing the unique identity identification of the same consumer after the WeChat payment of different units;
through the application unionID, a retail digital alliance can be established, the AppID of units to which all alliances belong is bound with an alliance WeChat open platform account, and when a consumer finishes WeChat payment at a terminal merchant to which any alliance unit belongs, the WeChat feeds back a unique consumer unionID corresponding to the alliance WeChat open platform account, so that the full-link data of the whole off-line retail market is opened; the unionID mode application scene comprises medium and small micro merchants adopting an aggregate payment indirect mode, large merchants and chain stores adopting an aggregate payment direct mode, and the medium and small micro merchants adopting the aggregate payment indirect mode realize the unification of the identity of the consumer by utilizing the link of the main body unit and the large merchants adopting the aggregate payment direct mode, namely the unique identity of the consumer is realized by crossing the direct mode and the indirect mode; through the application unionID, multiple consumption records of the same consumer in different WeChat cashing systems can be identified, namely, unique identification of the consumer identity is realized based on multiple merchant databases;
m3 is based on the consumer identity identification module of the payment treasures, after the consumer pays the treasures successfully through the mobile phone, the payment treasures payment platform feeds back the main body unit and is based on the unique consumer identity identification information buy_user_ID of the payment treasures payment rule system, and a unique consumer identity identification which is based on the payment treasures payment system and is across banks and globally unique is generated, namely, the unique consumer identity identification is realized based on a plurality of payment treasures payment channels;
M4, based on the accurate marketing module of the WeChat, pay treasured, apply M1 based on consumer identity module of the WeChat, M3 based on consumer identity module calculation result of the treasured of payment, pay treasured pay consumers of the code-sweeping behavior at least once, carry on the accurate marketing to it according to the historical consumption situation record in the member database, including accurate locking, accurate touching, three links of service conversion;
M4.1, namely selecting members who frequently purchase the commodity with the same type as the price segment from a member database according to the price segment or commodity type of the commodity recommended by the accurate marketing campaign, namely, selecting potential consumer groups through 'people and goods' circle; screening terminal merchants frequently visited by the potential consumer groups from a member database as marketing activity addresses, namely, selecting marketing sites through 'people+sites'; through the screening steps, three elements of 'people, goods and places' are accurately locked on the basis of unified consumer identification, and a marketing campaign is definitely developed for what goods and to whom and where;
M4.2, namely when the potential consumer group purchases any commodity through WeChat and Payment treasury again in the marketing field, pushing coupons synchronously on a cell phone WeChat and Payment treasury payment success interface, and simultaneously automatically reminding retailers by a terminal merchant aggregate payment system to help consumers to cancel prizes; according to the method, on the basis of the accurate locking of M4.1, the interesting coupons are best pushed, online commodities can be exchanged by using the online coupons, the enthusiasm of consumers for participating in marketing activities is greatly improved, and the efficiency of the consumption experience upgrading and the marketing activities is effectively promoted;
m4.3, namely, processing consumption data, so that the development process of the marketing campaign can be accurately known, and the consumers, the time, the store and the product rule can be mastered to participate in the campaign and the resource can be remained, so that the marketing campaign strategy can be adjusted in time, the campaign quality can be optimized, and the goal of the campaign can be promoted to be achieved; by summarizing the consumption data, the influence of each activity is accurately mastered, the number of consumers is converted, the activity effect is accurately quantized and evaluated, and whether conversion is successful or not is measurable;
Through the links, the flexible and accurate matching of multiple dimensions of specific consumers, specific commodities, specific time and specific places is realized, the defect that the specific commodities and the coupons sent by all members by the consumers are not distinguished by the traditional gift-paying marketing activities is overcome, and the method has the advantages that the consumers take the wanted preferential commodities, terminal merchants are supported by drainage, industrial enterprises obtain the research and development production direction of consumer data parameters, main units accurately marketing new products of interest to the proper consumers, and the whole industry chain ecology from production, sales to individual consumers is obtained;
For retail merchants such as small shops and tobacco hotels, the retail merchants have no ability to access WeChat and pay by adopting a direct connection mode, and only WeChat and pay collection can be realized by adopting an indirect connection mode; the accurate marketing module realizes the business marketing of paying the gift for the first time in the indirect mode, and provides a method means of the business marketing of paying the gift for the majority of small micro-retail merchants in the market; the accurate marketing module not only supports the aggregate-payment direct-connection mode merchant, but also supports the inter-connection mode merchant, so that the method can realize mass distribution and accurate distribution of specific commodities, provides a platform for accurately and directionally marketing to consumers by using a mobile payment technology for small and medium micro merchants using the aggregate-payment direct-connection mode, and provides technical guarantee for commercial enterprises to exert channel control advantages of the commercial enterprises and continuously consolidate market subject status;
m5, based on the WeChat, pay treasured coupon exchange module, when the said accurate marketing campaign target consumer clicks the said coupon to get the preferential commodity, jump and log in the WeChat, pay treasured applet and pop up and request users to agree "obtain WeChat, pay treasured user's bound cell phone number" interface, users click "agree" back can get the coupon to participate in marketing campaign; in the process, the consumers agree to acquire the mobile phone number information bound by the WeChat and Payment treasury users while using the WeChat and Payment treasury applet, namely, the mobile phone number acquisition of the consumers is completed while accurate marketing is performed;
M6 is a unique identification module of consumer identity across payment channels, the mobile phone number bound by the WeChat user and the mobile phone number bound by the payment treasured user obtained in M5 are subjected to data encryption and decryption operation, an associated main key is built for WeChat Sub_ openID and payment treasured Buy_user_ID under the premise of protecting personal privacy of the consumer, the unique identification IDs of consumers fed back by WeChat and payment treasures independently correspond one by one, multiple consumption records of the same consumer can be identified across the WeChat and payment treasured, namely unique identification of the consumer identity is realized across the WeChat and payment treasured payment channels.
The beneficial effects of the invention are as follows:
1. By using a communication open interface, a method for realizing unique identification of a consumer identity by using a terminal merchant to apply for opening payment through a main unit WeChat payment channel is established, a plurality of consumption records of the same consumer in different WeChat payment channels are identified by using Sub-openID, namely unique identification of the consumer identity is realized by crossing a plurality of WeChat payment channels, the problem that the identity generated by the same consumer completing WeChat payment through different banks in an aggregated payment intermodule is different is solved, and a unique consumer identity is generated.
2. When a consumer finishes the WeChat payment at a terminal merchant to which any lower unit belongs, the WeChat feeds back a unique consumer UnionID corresponding to the upper unit WeChat open platform account, so that the unique identity identification of the same consumer after the WeChat payment of different units is realized, and the upper unit can grasp the consumption condition of the consumer at the terminal merchant to which all lower units belong.
3. When the consumer finishes the WeChat payment at the terminal merchant to which any alliance unit belongs, the WeChat feeds back a unique consumer UnionID corresponding to the alliance WeChat open platform account, thereby realizing the communication of full-link data of the whole online retail market, and identifying a plurality of consumption records of the same consumer in different WeChat cashing systems, namely realizing unique identification for the identity of the consumer based on a plurality of merchant databases.
4. The application of the method for realizing the unique identification of the consumer identity across the payment channel in marketing activities, namely, precisely locking consumers, screens out members who frequently purchase the same type of commodity in the price section from a member database according to the price section or commodity type of the commodity recommended by the precise marketing activities, namely, precisely marketing activity target consumers, namely, circling and selecting potential consumer groups through 'people and goods'; the terminal merchants frequently visited by the potential consumer groups are screened out from the member database to serve as marketing activity addresses, namely, marketing sites are selected by 'people+sites' in a circle; through the screening steps, three elements of 'people, goods and places' are accurately locked on the basis of unified consumer identification, and marketing activities are definitely carried out on what goods, to whom and where, namely, accurate marketing recommendation is carried out on different people, different goods and different places, so that marketing activity consumers are accurately locked.
5. The method for realizing the unique identification of the consumer identity across the payment channel is applied to marketing activities, namely, the consumer is accurately touched, when a potential consumer group pays to purchase any commodity through WeChat and Payment treasury again in a marketing site, a voucher is synchronously pushed on a mobile phone WeChat and Payment treasury payment success interface, and meanwhile, a terminal merchant aggregation payment system automatically reminds retailers to help the consumers to cancel rewards; the method can effectively improve the consumption experience, changes the marketing sequence of registering members and then participating in the activities of the prior consumer into the process of participating in the activities first and then verifying prizes through the member applet, plays a qualitative breakthrough in the upgrading of the consumption experience and the participation efficiency of the activities, and avoids the situation that the consumer is reluctant to participate in the marketing activities due to 'suspicion'.
6. The method has the beneficial effects that the consumer takes the wanted preferential commodity, the terminal merchant obtains drainage support, the industrial enterprise obtains the consumption data parameter to guide the research and development production direction, the main unit accurately marketing the new product of interest to the proper consumer, and the whole industry chain ecology from production and sales to individual consumers is benefited; the accurate marketing module not only supports the aggregate-payment direct-connection mode merchant, but also supports the inter-connection mode merchant, not only can mass-sending be achieved, but also the accurate distribution of specific commodities can be achieved, a platform for accurately and directionally marketing to consumers by using a mobile payment technology is provided for small and medium micro merchants using the aggregate-payment direct-connection mode, and technical support is provided for commercial enterprises to exert channel control advantages of the commercial enterprises and continuously consolidate market subject status.
7. The method is characterized in that the mobile phone number of a consumer is collected in a non-sensitive manner while the accurate marketing based on the WeChat and payment treasured payment system is completed, when a target consumer of the accurate marketing campaign clicks a voucher to obtain a preferential commodity, the WeChat and payment treasured applet is automatically jumped and logged in, and the preferential commodity is obtained, in the process, the consumer agrees to obtain the mobile phone number information bound by the WeChat and payment treasured user while using the WeChat and payment treasured applet, namely, the mobile phone number collection of the consumer is reasonably and legally completed while the accurate marketing is completed.
8. The method for establishing the correspondence of the unique consumer identification ID fed back by the WeChat and the Payment device is characterized in that the mobile phone number bound by the WeChat user and the mobile phone number bound by the Payment device user are used as the associated main keys of the WeChat Sub_ openID and the Payment device Buy_user_ID under the premise of protecting the personal privacy of the consumer, the precise correspondence of the Payment device ID and the WeChat ID of the same consumer is completed, multiple consumption records of the same consumer can be identified across the WeChat and Payment device, namely the unique identification of the consumer identity is realized across the WeChat and Payment device.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the following description will briefly explain the drawings used in the embodiments or the description of the prior art, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and other drawings can be obtained according to these drawings without inventive effort for a person skilled in the art.
FIG. 1 is a flow chart of a method for implementing unique identification of a consumer identity across payment channels in an embodiment of the present invention.
Fig. 2 is a schematic diagram of system architecture for implementing unique identification of consumer identities across payment channels in an embodiment of the present invention.
Detailed Description
Exemplary embodiments of the present invention will be described in detail below with reference to the accompanying drawings. It should be noted that the following description is merely illustrative and exemplary in nature and is in no way intended to limit the invention, its application, or uses, and the relative positions of the components and steps, numerical expressions, and numerical values set forth in the embodiments are not intended to limit the scope of the invention unless otherwise specifically indicated. In addition, techniques, methods, and apparatus known to those of skill in the art may not be discussed in detail, but are intended to be part of the specification where appropriate.
The payment channel, weChat payment and Payment form two independent payment channels.
And the payment channel is arranged in the system of each WeChat payment channel and each payment treasured payment channel, the WeChat and the payment treasured complete the payment through each bank and each non-bank payment mechanism, and each bank and each non-bank payment mechanism form a payment channel.
WeChat payment service provider (proper noun of WeChat payment system), which means that a third party developer with technical development capability provides WeChat payment technical development and marketing scheme for common merchants, namely, the service provider can complete full-ecological chain services such as payment application, technical development, machine debugging, active marketing and the like for the merchants on the basis of the advanced interfaces of WeChat payment. WeChat payment facilitators include three types, common facilitators, practitioners and channel providers. In this patent, the subject unit, bank or non-bank payment mechanism belongs to a WeChat payment service provider.
The common service provider (proper noun of WeChat payment system) refers to a mechanism which receives the entrusted of the merchant, produces and maintains related software and information systems for the merchant, helps the merchant access WeChat payment, applies for opening WeChat payment by the agent merchant, and generates and transmits WeChat payment transaction order information.
The practitioner (the proper noun of WeChat payment system) refers to a bank and a non-bank payment mechanism which expand and manage the merchant by itself and delegate financial payment to collect transaction money of the merchant through WeChat payment. The practitioner should manage the merchant effectively and settle the transaction fee to the merchant. In this patent, the bank or non-bank payment mechanism registration type is a practitioner.
The channel business (proper noun of WeChat payment system) refers to enterprises and public institutions entrusted by the practitioner and providing WeChat payment access technical support for developing merchants for the practitioner. In this patent, the subject unit registration type is a channel provider.
Common merchants (WeChat payment system proper nouns): the merchant applies for the resident WeChat payment by self without assistance of a service provider; weChat common merchants need WeChat official account authentication to be opened.
Special about merchant (WeChat payment system proper noun): the common service provider assists to complete the resident merchant; the special merchant can be opened by the service provider without the WeChat official account, but if the special merchant wants to pay by the WeChat official account, the special merchant also needs to bind the authenticated WeChat official account; in this patent, the end merchant registration type is WeChat payment special offer merchant.
Pays for gift (WeChat pays system proper noun): the gift payment is the open marketing capability of the WeChat payment merchant facing the condition, and after the merchant uses WeChat payment, the user can get the WeChat payment voucher, and the next store return consumption can automatically withhold the coupon as long as the coupon using condition is met, thereby effectively helping the merchant to pull the customer to purchase secondarily or complete the connection of the off-line store-on-line mall.
OpenID (micro-letter payment architecture proper noun): the identity of the user in the WeChat public number, different public numbers have different OpenIDs. The merchant background system can acquire the OpenID of the user through APIs such as login authorization, payment notification, order inquiry and the like. The method is mainly used for judging the same user and sending customer service information, template information and the like to the user.
AppID (WeChat payment architecture proper noun): the applied id of the carrier may be a public number or applet.
Sub_appid (micro-letter payment system proper noun): the AppID of the WeChat sub-merchant application carrier can be a public number, applet or App.
Sub_ openID (micro-letter payment system proper noun): openId of the user under the Sub-merchant Sub-AppID, weChat payment is fed back to the user identity ID of the channel service provider, and different public numbers are different for Sub-openID of the same consumer.
UnionID (WeChat Payment System proper noun): unionID is provided by the WeChat open platform, and is the unique user identity generated by the WeChat open platform to the consumer WeChat. Mobile applications, web applications, and public accounts (including applets) under the same WeChat open platform account are unique to the user UnionID. In other words, unionID are the same for different mobile applications, web applications, and public account numbers (including applets) under the same WeChat open platform for the same user.
Buy_user_id (pay treasury Payment System proper noun): the user ID of the buyer at the payment device is the unique identification generated by the payment device for identifying the consumer.
Coupon (proper noun of WeChat, payment System): the system is a marketing tool for the merchants of the payment treasures and WeChat payments, the merchants can create coupons and send the coupons to users, and when the users use the payment treasures and WeChat payments, the coupons can be automatically verified/deducted along with transactions, thereby helping the merchants to conveniently land marketing activities. Coupons include vouchers, merchant coupons, cash coupons, discount coupons, and the like.
The above is based on the micro-letter of 6 th year of 2023 and 6 th day under the payment system of payment treasures, if the names of the above proper nouns are changed in the future, but the substantial functions and the actual meaning represented by the proper nouns after the names are changed are not changed, and the changed proper nouns still remain in the protection scope of the patent.
Exemplary embodiments of the present invention will be described in detail below with reference to the accompanying drawings. It should be noted that the following description is merely illustrative and exemplary in nature and is in no way intended to limit the invention, its application, or uses, and the relative positions of the components and steps, numerical expressions, and numerical values set forth in the embodiments are not intended to limit the scope of the invention unless otherwise specifically indicated. In addition, techniques, methods, and apparatus known to those of skill in the art may not be discussed in detail, but are intended to be part of the specification where appropriate.
Embodiment 1 is a method for realizing unique identification of a consumer identity across payment channels. FIG. 1 is a schematic flow chart of a method for realizing unique identification of a consumer identity across payment channels in embodiment 1 of the present invention, as shown in FIG. 1, by using a communication public interface, obtaining unique identification sub_ openID of the consumer through two steps of an account opening registration flow and a data transfer flow;
s1, the registration flow of opening an account only needs to be set when opening an account for the first time, and is characterized by comprising the following steps: s1.1, registering a main body unit as a WeChat payment service provider, wherein the main body unit registration type is a channel provider; s1.2, a main body unit applies for registering a WeChat service provider application carrier, and obtains a main body unit WeChat service provider application carrier AppID, wherein the WeChat service provider application carrier is WeChat public number or WeChat applet; s1.3, registering a bank or non-bank payment mechanism as a WeChat payment service provider, registering a bank or non-bank payment mechanism as a practitioner, and setting a subject unit as a WeChat payment channel provider; s1.4, registering a terminal merchant as a WeChat payment special offer merchant, and applying for opening payment through a main body unit WeChat payment channel merchant when the terminal merchant accesses an aggregate payment system through a bank or non-bank payment mechanism for the first time; the terminal merchant is a legal organization or illegal organization for realizing WeChat collection by using an aggregate payment system; s1.5, a bank or non-bank payment mechanism configures a terminal merchant sub_AppID as a main body unit AppID, and generates a merchant number binding the AppID for the terminal merchant;
S2, the data transmission flow passes through the whole process of every micro letter code scanning payment of the consumer, and is characterized by comprising the following steps: s2.1, the consumer sends a payment request to a terminal merchant aggregate payment system through a WeChat code scanning operation; the micro letter scanning code operation is that a consumer is scanned in a main way or the consumer is scanned; the consumer main sweep is the collection code of the consumer WeChat main sweep aggregate payment system; the consumer is scanned, namely the consumer WeChat payment code is scanned by the code scanning equipment of the aggregate payment system; s2.2, the terminal merchant aggregate payment system sends the payment request bound with the AppID merchant number to a bank or non-bank payment mechanism; the payment request information bound with the AppID merchant number comprises a merchant number, an order number, a payment amount and order preference marking parameters; s2.3, the bank or non-bank payment mechanism sends the payment request bound with the AppID merchant number to the WeChat payment platform; s2.4, the WeChat payment platform completes the collection operation, generates consumer Sub-openID corresponding to the main body unit AppID, feeds back collection confirmation information containing Sub-openID to a bank or non-bank payment mechanism, and feeds back deduction confirmation information to the consumer; the collection confirmation information containing the sub_ openID parameter comprises a consumer sub_ openID, an order number, a payment bank and a payment state of the micro-letter code scanning operation, a payment completion time and a preferential amount parameter; s2.5, the bank or non-bank payment mechanism feeds back the collection confirmation information to the terminal merchant aggregate payment system, and feeds back the collection confirmation information containing sub_ openID to the main body unit; s2.6, the main body unit establishes a member database based on the unique identification Sub_ openID of the consumer; the member database based on the unique identification Sub openID of the consumer includes: each consumer Sub openID carries out the order number, the merchant number, the commodity code, the order time, the order amount and the preferential amount of the micro-letter code scanning operation each time.
The consumer Sub openID can identify multiple consumption records of the same consumer in different WeChat payment channels, unique identification of the consumer identity is realized across the WeChat payment channels, the problem that the identity identifications generated by the same consumer completing WeChat payment through different banks in an aggregated payment interline mode are different is solved, and a cross-bank and global unique consumer identity is generated.
Embodiment 2 is a system for implementing unique identification of consumer identity across payment channels as disclosed in the present invention. FIG. 2 is a flow chart of a system for implementing unique consumer identity identification across payment channels according to the present invention, as shown in FIG. 2, comprising:
M1 is based on consumer's identity identification module of the WeChat, its function is to obtain the unique identification information of consumer's identity, adopt a method to realize unique identification of consumer's identity across the payment channel as claimed in any one of claims 1-7, after the consumer pays successfully by the mobile phone WeChat, the feedback main body unit of the WeChat pays the intermodal rule system based on WeChat and pays the unique identification information sub_ openID of consumer's identity, the main body unit sets up the member database based on unique identification sub_ openID of consumer; multiple consumption records of the same consumer in different WeChat payment channels can be identified by applying consumer Sub openID, and a global unique consumer identity mark which is based on a WeChat payment system and spans banks is generated, namely, the unique consumer identity mark is realized based on a plurality of WeChat payment channels; the Sub-openID mode application scene is a terminal merchant for realizing aggregate payment through a main body unit, and solves the problem of unique identification of the part of consumers subjected to WeChat payment at the terminal merchant managed by the main body unit.
M2 binds all AppID of the lower level unit and the upper level unit WeChat open platform account based on the WeChat unionID identification module, when the consumer finishes WeChat payment at any terminal merchant of the lower level unit, the WeChat feeds back a unique consumer unionID corresponding to the upper level unit WeChat open platform account;
Through the application unionID, the superior unit can grasp the consumption condition of the consumer at the terminal merchant to which all subordinate units belong, namely after the consumer finishes the WeChat payment at the terminal merchant to which different subordinate units belong, the WeChat feeds back the unique consumer unionID corresponding to the WeChat open platform account number of the superior unit, thereby realizing the unique identity identification of the same consumer after the WeChat payment of different units;
Specifically, if the tobacco monopoly bureau in Shandong province counts the tobacco consumption data of the whole province, 16 local grade tobacco monopoly bureaus AppID in the whole province and the tobacco monopoly bureau WeChat open platform account are bound by registering the tobacco monopoly bureau WeChat open platform account, when the consumer belongs to any store WeChat scanning code under the tobacco monopoly bureau in Shandong province and consumes, the WeChat feeds back the unique consumer UnionID corresponding to the tobacco monopoly bureau WeChat open platform account in Shandong province, so that identity identification of the same consumer after WeChat payment in the tobacco store in Shandong province is unified, namely the bureau can master the tobacco consumption action track and the tobacco consumption real-time data of each local city in Shandong province.
Through the application unionID, a retail digital alliance can be established, the AppID of units to which all alliances belong is bound with an alliance WeChat open platform account, and when a consumer finishes WeChat payment at a terminal merchant to which any alliance unit belongs, the WeChat feeds back a unique consumer unionID corresponding to the alliance WeChat open platform account, so that the full-link data of the whole off-line retail market is opened; the unionID mode application scene comprises medium and small micro merchants adopting an aggregate payment indirect mode, large merchants and chain stores adopting an aggregate payment direct mode, and the medium and small micro merchants adopting the aggregate payment indirect mode realize the unification of the identity of the consumer by utilizing the link of the main body unit and the large merchants adopting the aggregate payment direct mode, namely the unique identity of the consumer is realized by crossing the direct mode and the indirect mode; through the application unionID, multiple consumption records of the same consumer in different WeChat cashing systems can be identified, namely, unique identification of the consumer identity is realized based on multiple merchant databases;
Specifically, the tobacco proprietary bureau AppID, the tobacco stand city Zhenhua department group AppID, the tobacco stand family Yue supermarket AppID and the tobacco stand retail digital alliance WeChat open platform account are bound by registering the tobacco stand retail digital alliance WeChat open platform account; after the consumer spends the WeChat code of the store in the tobacco station, the tobacco station shakes the bloom, the home of the tobacco station agrees with the store, the WeChat feedback is carried out on the unique consumer UnionID corresponding to the WeChat open platform account number of the digital alliance WeChat of the tobacco station, so that the identity of the same consumer is unified after the WeChat payment of the three units.
M3 is based on the consumer identity identification module of the payment treasures, after the consumer pays the treasures successfully through the mobile phone, the payment treasures payment platform feeds back the main body unit and is based on the unique consumer identity identification information buy_user_ID of the payment treasures payment rule system, and a unique consumer identity identification which is based on the payment treasures payment system and is across banks and globally unique is generated, namely, the unique consumer identity identification is realized based on a plurality of payment treasures payment channels;
M4, based on the accurate marketing module of the WeChat, pay treasured, apply M1 based on consumer identity module of the WeChat, M3 based on consumer identity module calculation result of the treasured of payment, pay treasured pay consumers of the code-sweeping behavior at least once, carry on the accurate marketing to it according to the historical consumption situation record in the member database, including accurate locking, accurate touching, three links of service conversion;
M4.1 precisely locking, namely screening members who frequently purchase the same type of commodity in the price section from a member database according to the price section or commodity type of the commodity recommended by the precise marketing campaign, namely, precisely marking target consumers of the marketing campaign, namely, circling potential consumer groups through 'people and goods'; the terminal merchants frequently visited by the potential consumer groups are screened out from the member database to serve as marketing activity addresses, namely, marketing sites are selected by 'people+sites' in a circle; through the screening steps, three elements of 'people, goods and places' are accurately locked on the basis of unified consumer identification, and a marketing campaign is definitely developed for what goods and to whom and where;
Specifically, if a main body unit develops a night market marketing activity aiming at 'Taishan Ru Feng ramuscule' cigarettes, firstly, selecting a consumer circle of cigarettes with the price segment of [ -220-290 ] actively purchased for the past 6 months from a label processed according to consumption data in a member database based on a unique identification Sub-openID of the consumer, and screening the consumers with the time of purchasing the cigarettes in a range from 17 points to 23 points; if the sample number is still unsatisfactory, a third sample filtering can be performed according to whether the frequent consumer store is near the target business, and so on until the sample expectation is reached; finally, generating a shop list for developing the marketing campaign according to the frequent consumption shop labels; meanwhile, the quantity of materials required by each movable shop can be accurately matched, and the problems in links such as material distribution, verification and the like are solved effectively;
M4.2, accurate touching means that when a potential consumer group purchases any commodity through WeChat and payment treasury payment again at a marketing site, coupons are synchronously pushed at a mobile phone WeChat and payment treasury payment success interface, and meanwhile, a terminal merchant aggregate payment system automatically reminds retailers to help consumers to cancel prizes; according to the method, on the basis of accurate locking of M4.1, interested coupons are best pushed, online commodities can be exchanged by using online coupons, enthusiasm of consumers in marketing activities is greatly improved, and consumption experience upgrading and marketing activity efficiency are effectively promoted;
Specifically, the coupon is pushed down in the intermittent mode, and is realized through a double verification mechanism; in the cashing system, codes and purchase places of goods frequently purchased by consumers are maintained to the merchant cashing system, namely, a loyalty relationship is established between the consumers and retailers so as to increase drainage of the retailers; if the goods (what) and the places (where) meet the conditions, the cashier system transmits the confirmation information of the goods and the fields to a main unit, and the main unit judges whether the consumer is a target consumer group or not according to the database Sub-openID and the purchase record, namely judges whether the human element is met or not; if the conditions are met, pushing the commodity coupons for the commodity coupons by utilizing a WeChat order preference mark (good_tag);
M4.3 service conversion means that a main body unit can accurately know the development process of the marketing campaign through processing consumption data, master which consumers, what time, what stores and what product rules participate in the campaign and how much resources remain, so as to adjust the marketing campaign strategy and optimize the campaign quality in time and promote to achieve the goal of the campaign; by summarizing the consumption data, the influence of each activity is accurately mastered, the number of consumers is converted, the activity effect is accurately quantized and evaluated, and whether conversion is successful or not is measurable;
Through the links, the flexible and accurate matching of multiple dimensions of specific consumers, specific commodities, specific time and specific places is realized, the defect that the specific commodities and the coupons sent by all members by the consumers are not distinguished by the traditional gift-paying marketing activities is overcome, and the method has the advantages that the consumers take the wanted preferential commodities, terminal merchants are supported by drainage, industrial enterprises obtain the research and development production direction of consumer data parameters, main units accurately marketing new products of interest to the proper consumers, and the whole industry chain ecology from production, sales to individual consumers is obtained;
For retail merchants such as small shops and tobacco hotels, the retail merchants have no ability to access WeChat and pay by adopting a direct connection mode, and only WeChat and pay collection can be realized by adopting an indirect connection mode; the accurate marketing module realizes the business marketing of paying the gift for the first time in the indirect mode, and provides a method means of the business marketing of paying the gift for the majority of small micro-retail merchants in the market; the accurate marketing module not only supports the aggregate-payment direct-connection mode merchant, but also supports the inter-connection mode merchant, so that the method can realize mass distribution and accurate distribution of specific commodities, provides a platform for accurately and directionally marketing to consumers by using a mobile payment technology for small and medium micro merchants using the aggregate-payment direct-connection mode, and provides technical guarantee for commercial enterprises to exert channel control advantages of the commercial enterprises and continuously consolidate market subject status;
m5, based on the WeChat, pay treasured coupon exchange module, when the said accurate marketing campaign target consumer clicks the said coupon to get the preferential commodity, jump and log in the WeChat, pay treasured applet and pop up and request users to agree "obtain WeChat, pay treasured user's bound cell phone number" interface, users click "agree" back can get the coupon to participate in marketing campaign; in the process, the consumers agree to acquire the mobile phone number information bound by the WeChat and Payment treasury users while using the WeChat and Payment treasury applet, namely, the mobile phone number acquisition of the consumers is completed while accurate marketing is performed;
M6 is a unique identification module of consumer identity across payment channels, the mobile phone number bound by the WeChat user and the mobile phone number bound by the payment treasured user obtained in M5 are subjected to data encryption and decryption operation, an associated main key is built for WeChat Sub_ openID and payment treasured Buy_user_ID under the premise of protecting personal privacy of the consumer, the unique identification IDs of consumers fed back by WeChat and payment treasures independently correspond one by one, multiple consumption records of the same consumer can be identified across the WeChat and payment treasured, namely unique identification of the consumer identity is realized across the WeChat and payment treasured payment channels.
The foregoing description of the preferred embodiments of the invention is not intended to limit the invention to the precise form disclosed, and any such modifications, equivalents, and alternatives falling within the spirit and scope of the invention are intended to be included within the scope of the invention.
Claims (4)
1. A method for realizing unique identification of consumer identity across payment channel, which uses the open interface of Tengming to obtain unique identification Sub_ openID of consumer through two steps of account opening registration flow and data transmission flow, is characterized in that,
S1, setting an account opening registration process when an account is opened for the first time, wherein the account opening registration process comprises the following steps:
S1.1, registering a main unit as a WeChat payment service provider, wherein the main unit registration type is a channel provider;
S1.2, the main body unit applies for registering a WeChat public number or a WeChat applet to obtain the main body unit WeChat public number or the WeChat applet AppID;
S1.3, registering a bank or non-bank payment mechanism as a WeChat payment service provider, wherein the registration type of the bank or non-bank payment mechanism is a practitioner, and setting the subject unit as a WeChat payment channel provider;
s1.4, registering a terminal merchant as a WeChat payment special offer merchant, wherein when the terminal merchant accesses an aggregate payment system through the bank or non-bank payment mechanism for the first time, the terminal merchant applies for opening payment through the main body unit WeChat payment channel merchant;
S1.5, the bank or non-bank payment mechanism configures the terminal merchant Sub-appID as the main body unit AppID, and generates a merchant number binding the AppID for the terminal merchant;
S2, the data transfer flow runs through the whole process of every micro-letter code scanning payment of the consumer, and comprises the following steps:
S2.1, the consumer sends a payment request to the terminal merchant aggregate payment system through a WeChat code scanning operation;
s2.2, the terminal merchant aggregate payment system sends a payment request bound with an AppID merchant number to the bank or non-bank payment mechanism, wherein the payment request information bound with the AppID merchant number comprises a merchant number, an order number, a payment amount and order preference marking parameters;
s2.3, the bank or non-bank payment mechanism sends the payment request bound with the AppID merchant number to a WeChat payment platform;
S2.4, the WeChat payment platform completes the collection operation, generates consumer Sub-openID corresponding to the main body unit AppID, feeds back collection confirmation information containing Sub-openID to the bank or non-bank payment mechanism, and feeds back deduction confirmation information to the consumer; the collection confirmation information comprising the sub_ openID comprises a consumer sub_ openID, an order number, a payment bank and a payment state of the micro-letter code scanning operation, a payment completion time and a preferential amount parameter;
S2.5, the bank or non-bank payment mechanism feeds back the collection confirmation information to the terminal merchant aggregate payment system, and feeds back the collection confirmation information containing the Sub-openID to the main body unit;
S2.6, the subject unit establishes a member database based on a unique identification Sub_ openID of a consumer; the member database based on the unique identification sub_ openID of the consumer comprises: each consumer Sub openID carries out the order number, the merchant number, the commodity code, the order time, the order amount and the preferential amount of the micro-letter code scanning operation each time;
The consumer Sub openID is used for identifying multiple consumption records of the same consumer in different WeChat payment channels, unique identification of the consumer identity is realized across the WeChat payment channels, the problem that the identity identifications generated by the same consumer completing WeChat payment through different banks in an aggregate payment interline mode are different is solved, and a cross-bank and global unique consumer identity is generated.
2. The method for implementing unique consumer identity across payment channels of claim 1, wherein the terminal merchant is a corporate or non-corporate organization implementing WeChat collection using an aggregated payment system.
3. The method for implementing unique identification of a consumer identity across a payment channel according to claim 1, wherein the micro-swipe code operates as a consumer home swipe or a consumer swipe; the consumer main sweep is a consumer WeChat main sweep aggregate payment system cash register; the consumer is scanned, and the consumer WeChat payment code is scanned by the code scanning equipment of the aggregate payment system.
4. The method for realizing unique identification of consumer identity through a cross-payment channel according to claim 1, wherein through a unionID identification function based on WeChat, binding AppID of all lower units with an upper unit WeChat open platform account, the upper unit grasps consumption condition of a terminal merchant to which the consumer belongs in all lower units, when the consumer finishes WeChat payment in any terminal merchant to which the lower unit belongs, the WeChat feeds back unique consumer unionID corresponding to the upper unit WeChat open platform account, and realizes unique identification of identity of the same consumer after different units of WeChat payment;
The retail digital alliance is established through the application unionID, the AppID of units to which all alliances belong is bound with an alliance WeChat open platform account, and when a consumer finishes WeChat payment at a terminal merchant to which any alliance unit belongs, the WeChat feeds back a unique consumer unionID corresponding to the alliance WeChat open platform account, so that the whole link data of the whole off-line retail market is opened; the unionID mode application scene comprises medium and small micro-merchants adopting an aggregate payment indirect mode, large-scale merchants adopting an aggregate payment direct mode and chain stores, and the consumer identities of the medium and small micro-merchants adopting the aggregate payment indirect mode and the large-scale merchants adopting the aggregate payment direct mode are unified.
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