CN105023153A - Mobile payment and marketing system and method - Google Patents

Mobile payment and marketing system and method Download PDF

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CN105023153A
CN105023153A CN201510453914.8A CN201510453914A CN105023153A CN 105023153 A CN105023153 A CN 105023153A CN 201510453914 A CN201510453914 A CN 201510453914A CN 105023153 A CN105023153 A CN 105023153A
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payment
marketing
terminal
user terminal
merchant terminal
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黄新山
余华堂
张振中
程晴
陈惟鲜
陈翔
陈继东
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SHENZHEN HUAYANG XINTONG TECHNOLOGY DEVELOPMENT CO LTD
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    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G06Q30/0208—Trade or exchange of goods or services in exchange for incentives or rewards
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G06Q30/0234—Rebates after completed purchase

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  • Entrepreneurship & Innovation (AREA)
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  • Computer Networks & Wireless Communication (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)
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Abstract

本发明涉及一种移动支付及营销的系统及方法。该系统包括至少一商家终端、至少一用户终端及运营服务端，所述运营服务端绑定连接商家终端，并通过商家终端的微信公众号与用户终端连接，该运营服务端包括：支付单元，用于当顾客与商家发生交易需支付时，发送一支付链接详情至用户终端来完成支付，或者生成支付二维码信息显示在商家终端上，用户终端通过微信扫描即可完成支付；推送单元，用于当交易完成后，发送交易详情，点击相关交易详情后，通过交易详情引导顾客进入领劵、抢红包、抽奖的营销功能，及完成储值、消费、积分。其大大提高收银效率并进行二次营销。

The invention relates to a mobile payment and marketing system and method. The system includes at least one merchant terminal, at least one user terminal and an operation server, the operation server is bound and connected to the merchant terminal, and is connected to the user terminal through the WeChat official account of the merchant terminal, the operation server includes: a payment unit, It is used to send a payment link details to the user terminal to complete the payment when a transaction between the customer and the merchant needs to be paid, or generate payment QR code information to be displayed on the merchant terminal, and the user terminal can complete the payment by scanning WeChat; the push unit, It is used to send the transaction details after the transaction is completed. After clicking on the relevant transaction details, the transaction details will guide customers to enter the marketing functions of receiving coupons, grabbing red envelopes, and lottery draws, and completing value storage, consumption, and points. It greatly improves the efficiency of cash register and conducts secondary marketing.

Description

移动支付及营销的系统及方法System and method for mobile payment and marketing

技术领域technical field

本发明涉及一种移动支付及营销的系统及方法，尤其涉及一种集支付与营销一体的系统及方法。The present invention relates to a mobile payment and marketing system and method, in particular to a system and method integrating payment and marketing.

背景技术Background technique

POS(Point of sales terminal)的中文意思是“销售点”，全称为销售点情报管理系统，是一种配有条码或OCR码技终端阅读器，有现金或易货额度出纳功能。其主要任务是对商品与媒体交易提供数据服务和管理功能，并进行非现金结算。POS (Point of sales terminal) means "point of sale" in Chinese, and its full name is point of sale information management system. Its main task is to provide data services and management functions for commodity and media transactions, and to conduct non-cash settlements.

POS是一种多功能终端，把它安装在信用卡的特约商家和受理网点中与计算机联成网络，就能实现电子资金自动转帐，它具有支持消费、预授权、余额查询和转帐等功能，使用起来安全、快捷、可靠。大宗交易中基本经营情报难以获取，导入POS系统主要是解决零售业信息管理盲点。但是，现有POS系统仅仅只能用来帮助客户完成简单支付，而不能很好的进行客户导流，进行二次营销等。此外，现有POS系统也不能让用户方便地完成扫码领劵、扫码抽奖、储值、消费、积分等营销功能。POS is a multi-functional terminal, which can be installed in the special merchants and acceptance outlets of credit cards to form a network with computers to realize automatic transfer of electronic funds. It has the functions of supporting consumption, pre-authorization, balance inquiry and transfer. It's safe, fast and reliable. It is difficult to obtain basic business information in large transactions, and the introduction of the POS system is mainly to solve the blind spots of retail information management. However, the existing POS system can only be used to help customers complete simple payments, but cannot conduct customer diversion and secondary marketing well. In addition, the existing POS system does not allow users to conveniently complete marketing functions such as scanning codes to receive coupons, scanning codes to draw prizes, storing value, consumption, and points.

发明内容Contents of the invention

基于此，有必要提供一种能够让进行移动支付及营销的系统及方法。Based on this, it is necessary to provide a system and method for mobile payment and marketing.

该系统包括：The system includes:

至少一商家终端、至少一用户终端及运营服务端，所述运营服务端绑定连接商家终端，并通过商家终端的微信公众号与用户终端连接，该运营服务端包括：At least one merchant terminal, at least one user terminal and an operation server, the operation server is bound and connected to the merchant terminal, and connected to the user terminal through the WeChat official account of the merchant terminal, the operation server includes:

支付单元，用于当顾客与商家发生交易需支付时，发送一支付链接详情至用户终端来完成支付，或者生成支付二维码信息显示在商家终端上，用户终端通过微信扫描即可完成支付；The payment unit is used to send a payment link details to the user terminal to complete the payment when the customer needs to pay for the transaction with the merchant, or generate payment QR code information to be displayed on the merchant terminal, and the user terminal can complete the payment by scanning WeChat;

推送单元，用于当交易完成后，发送交易详情，点击相关交易详情后，通过交易详情引导顾客进入领劵、抢红包、抽奖的营销功能，及完成储值、消费、积分。The push unit is used to send transaction details after the transaction is completed. After clicking on the relevant transaction details, the transaction details guide customers to enter the marketing functions of receiving coupons, grabbing red envelopes, and lottery draws, and completing value storage, consumption, and points.

在其中一个实施例中，所述运营服务端还包括一打印单元，用于打印顾客消费信息。In one of the embodiments, the operation server further includes a printing unit for printing customer consumption information.

该移动支付及营销方法包括以下步骤：The mobile payment and marketing method includes the following steps:

将商家终端与运营服务端建立绑定连接；Establish a binding connection between the merchant terminal and the operation server;

当顾客与商家发生交易需支付时，发送一支付链接详情至用户终端来完成支付，或者生成支付二维码信息显示在商家终端上，用户终端通过微信扫描即可完成支付；When a customer needs to pay for a transaction with the merchant, send a payment link details to the user terminal to complete the payment, or generate a payment QR code information and display it on the merchant terminal, and the user terminal can complete the payment by scanning WeChat;

邀请顾客关注商家终端公众号，使用户终端通过微信绑定连接运营服务端；Invite customers to pay attention to the official account of the merchant's terminal, so that the user's terminal can be connected to the operation server through WeChat binding;

当交易完成后，发送交易详情，点击相关交易详情后，通过交易详情引导顾客进入领劵、抢红包、抽奖的营销功能，及完成储值、消费、积分。After the transaction is completed, send the transaction details, click on the relevant transaction details, and guide customers through the transaction details to enter the marketing functions of receiving coupons, grabbing red envelopes, and lottery draws, and completing value storage, consumption, and points.

本移动支付及营销方法实现了移动支付并能进行很好的二次营销，让用户方便地完成扫码领劵、扫码抽奖、储值、消费、积分等营销功能。The mobile payment and marketing method realizes mobile payment and can carry out good secondary marketing, allowing users to conveniently complete marketing functions such as scanning codes to receive coupons, scanning codes to draw prizes, storing value, consumption, and points.

附图说明Description of drawings

通过附图中所示的本发明的优选实施例的更具体说明，本发明的上述及其它目的、特征和优势将会变得更加清晰。The above and other objects, features and advantages of the present invention will become more apparent by a more specific description of preferred embodiments of the present invention shown in the accompanying drawings.

图1为一实施例的架构示意图。FIG. 1 is a schematic structural diagram of an embodiment.

图2为图1中运营服务端的功能单元图。FIG. 2 is a functional unit diagram of the operation server in FIG. 1 .

图3为移动支付及营销方法的流程图。Fig. 3 is a flow chart of the mobile payment and marketing method.

具体实施方式Detailed ways

为使本发明的上述目的、特征和优点能够更加明显易懂，下面结合附图对本发明的具体实施方式做详细的说明。在下面的描述中阐述了很多具体细节以便于充分理解本发明。但是本发明能够以很多不同于在此描述的其它方式来实施，本领域技术人员可以在不违背本发明内涵的情况下做类似改进，因此本发明不受下面公开的具体实施的限制。In order to make the above objects, features and advantages of the present invention more comprehensible, specific implementations of the present invention will be described in detail below in conjunction with the accompanying drawings. In the following description, numerous specific details are set forth in order to provide a thorough understanding of the present invention. However, the present invention can be implemented in many other ways different from those described here, and those skilled in the art can make similar improvements without departing from the connotation of the present invention, so the present invention is not limited by the specific implementations disclosed below.

请参阅图1，是本实施例的架构示意图，其中运营服务端1通过WIFI(WirelessFidelity)、有线、移动网络(例如，2G、3G或4G网络)与商家终端3连接。所述商家终端3通过微信公众号与所述运营服务端1绑定连接着。所述运营服务端1储存大量商家活动数据，例如，商家策划活动信息，商家网页，优惠卷，红包，广告图片等。所述商家终端3可放置于线下零售、快餐、商超、药店等场所，它是一个集支付与营销功能于一体的POS机。所述用户终端2通过微信加入所述商家终端3的公众号而与所述商家终端3及所述运营服务端1建立连接。用户可以通过微信扫描商家终端3上的支付二维码，也可接收来自商家终端3发送的支付链接，最终来完成支付。Please refer to FIG. 1 , which is a schematic diagram of the architecture of this embodiment, wherein the operation server 1 is connected to the merchant terminal 3 through WIFI (Wireless Fidelity), wired, or mobile network (for example, 2G, 3G or 4G network). The merchant terminal 3 is bound and connected to the operation server 1 through a WeChat official account. The operation server 1 stores a large amount of business activity data, for example, business planning activity information, business web pages, coupons, red envelopes, advertisement pictures, and the like. The merchant terminal 3 can be placed in places such as offline retail, fast food, supermarkets, pharmacies, etc. It is a POS machine integrating payment and marketing functions. The user terminal 2 joins the official account of the merchant terminal 3 through WeChat to establish a connection with the merchant terminal 3 and the operation server 1 . The user can scan the payment QR code on the merchant terminal 3 through WeChat, or receive the payment link sent from the merchant terminal 3, and finally complete the payment.

用户终端2支付完毕后，商家会发送交易详情，点击关注商家公众号，点击相关交易详情后，通过交易详情引导用户进入商家设定营销场景，满足用户商家、用户支付及营销多样性需求要求的问题。同时，所述商家终端3可提供扫码领劵、扫码抽奖等营销功能，并集成商家会员系统，可通过扫码完成储值、消费、积分等。After the user terminal 2 completes the payment, the merchant will send the transaction details, click to follow the merchant’s official account, and after clicking on the relevant transaction details, guide the user to enter the merchant’s marketing scene through the transaction details to meet the requirements of the user’s business, user payment and marketing diversity requirements question. At the same time, the merchant terminal 3 can provide marketing functions such as scanning codes to receive coupons and scanning codes to draw prizes, and integrates merchant membership systems to complete value storage, consumption, points, etc. by scanning codes.

由于顾客在收银台或者其它场景下通过现金或刷卡交易方式转换为顾客通过用户终端2就可完成交易的结账方式。从而大大提高收银效率，而且还可顺利完成扫码领券、抽奖，完成积分、储值等营销功能。Since the customer converts the cash or credit card transaction mode into a checkout method in which the customer can complete the transaction through the user terminal 2 at the cash register or other scenarios. In this way, the efficiency of cash register is greatly improved, and it can also successfully complete the marketing functions such as scanning codes to collect coupons, lottery draws, points, and stored value.

请参阅图2，是图1中所述运营服务端1的功能单元图，其包括输入单元101、采集单元102、支付单元103、打印单元104、推送单元105。其中，所述输入单元101用于输入需要查询或者需确认的信息，例如查询商家建立并上传的活动信息，绑定商家公众号等。Please refer to FIG. 2 , which is a functional unit diagram of the operation server 1 in FIG. 1 , which includes an input unit 101 , a collection unit 102 , a payment unit 103 , a printing unit 104 , and a push unit 105 . Wherein, the input unit 101 is used for inputting information that needs to be queried or confirmed, such as querying activity information created and uploaded by a merchant, binding a merchant's official account, and the like.

所述采集单元102用于采集从商家终端3上传的顾客消费明细、顾客基本资料、最终消费总价、支付方式、小票订单号、交易时间等消费信息。The collection unit 102 is used to collect consumption information uploaded from the merchant terminal 3 such as customer consumption details, customer basic information, final consumption total price, payment method, receipt order number, and transaction time.

所述支付单元103用于当顾客与商家发生交易需支付时，发送一支付链接详情至用户终端2来完成支付。也可生成二维码信息显示在商家终端3上，用户终端2扫描后即可完成支付。当发生退款申请时，可通过商家终端3提出退款申请，当审核员审核过后，系统自动退款。此外，所述支付单元103还用于统计所有POS退款记录，如每笔退款的流水单号、退款时间、退款金额、退款状态、所属门店及设备号。The payment unit 103 is used for sending a payment link detail to the user terminal 2 to complete the payment when the customer needs to pay for a transaction with the merchant. The two-dimensional code information can also be generated and displayed on the merchant terminal 3, and the payment can be completed after the user terminal 2 scans it. When a refund application occurs, the refund application can be submitted through the merchant terminal 3, and the system will automatically refund after the review by the auditor. In addition, the payment unit 103 is also used to count all POS refund records, such as the serial number of each refund, refund time, refund amount, refund status, store and equipment number.

打印单元104用来设置商家终端3支付交易完成后小票的打印信息。需打印的信息字段可通过打印单元104来增加或者删除等。所述打印信息包括，但不限于，交易时间，门店号，顾客消费明细、顾客基本资料、最终消费总价、支付方式、小票订单号等。The printing unit 104 is used to set the printing information of the small receipt after the payment transaction of the merchant terminal 3 is completed. Information fields to be printed can be added or deleted through the printing unit 104 . The printed information includes, but is not limited to, transaction time, store number, customer consumption details, customer basic information, final consumption total price, payment method, receipt order number, etc.

推送单元105用于当交易完成后，商家会发送交易详情，并邀请用户关注商家公众号，点击相关交易详情后及公众号，通过交易详情引导用户进入商家设定营销场景，满足用户商家、用户支付及营销多样性需求要求的问题。所述设定的营销场景，可以是，根据用户之前消费记录推送相关联的产品，如此顾客二次购买积极性高出许多。The push unit 105 is used for when the transaction is completed, the merchant will send the transaction details, and invite the user to pay attention to the official account of the merchant. After clicking on the relevant transaction details and the official account, the user will be guided into the merchant to set the marketing scene through the transaction details, satisfying the needs of the user, the merchant, and the user. Payment and marketing diversity requirements. The set marketing scenario may be to push related products according to the user's previous consumption records, so that customers are much more motivated to make a second purchase.

此外，用户终端2还可通过微信扫描商家终端3上的二维码，由些顾客可完成扫码领劵、抢红包、抽奖等营销功能，可通过扫码完成储值、消费、积分等。顾客在领券后，可以将该优惠卷分享给好友或者留下自己使用。当顾客领取优惠卷，并进行下一次消费时，可以在支付时使用相关优惠卷进行支付减免金额并进行该使用过的优惠卷的核销。例如，用户甲在购买手机皮套时使用一张“5”元优惠卷，在支付时进行金额时自动减免并核销用户甲的这张“5”元优惠卷，使它处于已使用状态。In addition, the user terminal 2 can also scan the QR code on the merchant terminal 3 through WeChat, and some customers can complete marketing functions such as scanning the code to receive coupons, grab red envelopes, and draw prizes, and can complete value storage, consumption, points, etc. by scanning the code. After receiving the coupon, customers can share the coupon with friends or keep it for their own use. When the customer receives the coupon and makes the next consumption, he can use the relevant coupon to pay the reduction amount and write off the used coupon when paying. For example, user A uses a "5" coupon when purchasing a mobile phone leather case, and when paying the amount, the "5" coupon of user A is automatically deducted and written off, making it in a used state.

请参阅图3，是本实施例中所述移动支付及营销的方法的流程图。Please refer to FIG. 3 , which is a flow chart of the mobile payment and marketing method described in this embodiment.

步骤S301，将商家终端3与运营服务端1建立通讯连接，所述商家终端3通过通过WIFI、有线、2G、3G或4G网络与运营服务端1相连。Step S301, establish a communication connection between the merchant terminal 3 and the operation server 1, and the merchant terminal 3 is connected to the operation server 1 through WIFI, cable, 2G, 3G or 4G network.

步骤S302，将商家终端3的公众号绑定至运营服务端1。针对同一场景下商家终端3只需绑定一次就可以。Step S302, binding the official account of the merchant terminal 3 to the operation server 1. For the same scenario, the merchant terminal 3 only needs to be bound once.

步骤S303，当顾客进行消费时，所述支付单元103通过商家终端3将用户需支付信息发送到用户终端2，用户收到商家终端3发送的支付信息进行支付。在另一实施例中，所述支付信息以二维码形式显示在商家终端3，用户终端2通过微信扫描该二维码可以进行支付。Step S303 , when the customer makes a purchase, the payment unit 103 sends the payment information required by the user to the user terminal 2 through the merchant terminal 3 , and the user receives the payment information sent by the merchant terminal 3 to make payment. In another embodiment, the payment information is displayed on the merchant terminal 3 in the form of a two-dimensional code, and the user terminal 2 can scan the two-dimensional code through WeChat to make payment.

步骤S304，用户终端支付完毕后关注商家公众号。针对同一顾客同一微信号，仅需关注一次，就可以。Step S304, the user terminal pays attention to the official account of the merchant after the payment is completed. For the same WeChat account of the same customer, you only need to follow it once.

步骤S305，当交易完成后，商家会发送交易详情，点击相关交易详情后，通过交易详情引导用户进入商家设定营销场景，满足用户商家、用户支付及营销多样性需求要求的问题。所述设定的营销场景，可以是，根据用户之前消费记录推送相关联的产品来进行二次营销。Step S305, when the transaction is completed, the merchant will send the transaction details. After clicking on the relevant transaction details, the user will be guided through the transaction details to enter the merchant to set up a marketing scenario to meet the requirements of the user merchant, user payment and marketing diversity requirements. The set marketing scenario may be to push related products according to the user's previous consumption records for secondary marketing.

步骤S306，当顾客交易完成后，用户终端2可通过微信扫描显示在商家终端3上的二维码，由些顾客可完成扫码领劵、抢红包、抽奖等营销功能，可通过扫码完成储值、消费、积分等。顾客在领券后，可以将该优惠卷分享给好友或者留下自己使用。当顾客领取优惠卷，并进行下一次消费时，可以在支付时使用相关优惠卷进行支付减免金额并进行该使用过的优惠卷的核销。例如，用户甲在购买手机皮套时使用一张“5”元优惠卷，在支付时进行金额时自动减免并核销用户甲的这张“5”元优惠卷，使它处于已使用状态。Step S306, after the customer's transaction is completed, the user terminal 2 can scan the QR code displayed on the merchant terminal 3 through WeChat, and some customers can complete marketing functions such as scanning the code to receive coupons, grab red envelopes, and draw prizes, which can be completed by scanning the code Store value, consumption, points, etc. After receiving the coupon, customers can share the coupon with friends or keep it for their own use. When the customer receives the coupon and makes the next consumption, he can use the relevant coupon to pay the reduction amount and write off the used coupon when paying. For example, user A uses a "5" coupon when purchasing a mobile phone leather case, and when paying the amount, the "5" coupon of user A is automatically deducted and written off, making it in a used state.

以上所述实施例仅表达了本发明的几种实施方式，其描述较为具体和详细，但并不能因此而理解为对本发明专利范围的限制。应当指出的是，对于本领域的普通技术人员来说，在不脱离本发明构思的前提下，还可以做出若干变形和改进，这些都属于本发明的保护范围。因此，本发明专利的保护范围应以所附权利要求为准。The above-mentioned embodiments only express several implementation modes of the present invention, and the description thereof is relatively specific and detailed, but should not be construed as limiting the patent scope of the present invention. It should be pointed out that those skilled in the art can make several modifications and improvements without departing from the concept of the present invention, and these all belong to the protection scope of the present invention. Therefore, the protection scope of the patent for the present invention should be based on the appended claims.

Claims (10)

1. the system of a mobile payment and marketing, it comprises at least one merchant terminal, at least one user terminal and operating service end, and described operating service end binding connects merchant terminal, and is connected with user terminal by micro-letter public number of merchant terminal, it is characterized in that, this operating service end comprises:
Payment unit, for occur when client and businessman transaction need pay time, send payment link details to user terminal to complete payment, or generate pay 2 D code information be presented in merchant terminal, user terminal can complete payment by micro-letter scanning;
Push unit, for after transaction completes, sends Transaction Details, after clicking relationship trading details, is entered neck Securities, is robbed the Marketing Functions of red packet, prize drawing, and complete Stored Value, consumption, integration by Transaction Details direct customers.
2. the system of mobile payment as claimed in claim 1 and marketing, it is characterized in that, described operating service end also comprises an input block, for inputting the information needing inquiry or need confirm.
3. the system of mobile payment as claimed in claim 1 and marketing, it is characterized in that, described operating service end also comprises a collecting unit, for gather upload from merchant terminal customer consumption detail, client's basic document, final consumption total price, the modes of payments, receipt order number, exchange hour consumption information.
4. the system of mobile payment as claimed in claim 1 and marketing, it is characterized in that, this merchant terminal also comprises a print unit, for printing customer consumption information.
5. the system of mobile payment as claimed in claim 1 and marketing, is characterized in that, described push unit is also for carrying out personalized commodity and the correlation recommendation of coupon according to managing detailed catalogue of doing shopping in the past to user terminal.
6. the system of mobile payment as claimed in claim 1 and marketing, it is characterized in that, described merchant terminal is a POS (Point of sales terminal) machine.
7. a method for mobile payment and marketing, is characterized in that, it comprises the following steps:
Merchant terminal and operating service end are set up to bind and is connected;
When client and businessman occur transaction need pay time, send payment link details to user terminal to complete payment, or generate pay 2 D code information be presented in merchant terminal, user terminal can complete payment by micro-letter scanning;
Invite customer pays close attention to merchant terminal public number, makes user terminal connect operating service end by micro-letter binding;
After transaction completes, send Transaction Details, after clicking relationship trading details, enter neck Securities by Transaction Details direct customers, rob the Marketing Functions of red packet, prize drawing, and complete Stored Value, consumption, integration.
8. the method for mobile payment as claimed in claim 7 and marketing, is characterized in that, also comprise a step: the consumption information printing client.
9. the method for mobile payment as claimed in claim 7 and marketing, is characterized in that, also comprise a step: according to doing shopping in the past, managing detailed catalogue carried out personalized commodity and the correlation recommendation of coupon to user terminal.
10. the method for mobile payment as claimed in claim 7 and marketing, it is characterized in that, described merchant terminal is a POS (Point of sales terminal) machine.
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