CN110969428A - Static two-dimensional code payment method and device based on mobile terminal - Google Patents
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Abstract
The invention discloses a static two-dimensional code payment method and a device based on a mobile terminal, wherein the method comprises the following steps: acquiring a merchant terminal ID, and generating a static two-dimensional code according to the merchant terminal ID; after detecting that the user terminal scans the static two-dimensional code, acquiring a merchant terminal ID, and verifying the merchant terminal ID; after the verification of the merchant terminal ID is passed, acquiring a request source of the user terminal, inquiring merchant configuration parameters according to the merchant terminal ID, and generating an order according to the merchant configuration parameters; and after detecting that the user terminal pays according to the order, acquiring a payment result of the user terminal, and pushing the payment result of the user terminal to the merchant terminal. The embodiment of the invention can realize one-code payment without providing two-dimensional codes of a plurality of payment companies; the user operation is carried out in the whole process, and the operation of a merchant is not needed; data are not transmitted through a third party and other external services, so that the safety is high, and the maintenance is convenient.
Description
Technical Field
The invention relates to the technical field of mobile payment, in particular to a static two-dimensional code payment method and device based on a mobile terminal.
Background
Most merchants have the requirement of providing scanned payment of a static two-dimensional code, a terminal of one merchant receives money corresponding to one static two-dimensional code, the static two-dimensional code can be bound with a plurality of different payment modes, a user scans the input amount of money, and after the payment is confirmed, the merchant can receive a successful transaction notice.
In the prior art, the payment of the static two-dimensional code is based on a third-party server, and the third-party server refers to other servers except for a merchant terminal. This does not guarantee the security of data transmission and storage, and also relies heavily on the stability of the third-party server, and once the third-party server fails, recovery and maintenance become difficult.
Accordingly, the prior art is yet to be improved and developed.
Disclosure of Invention
In view of the defects of the prior art, an object of the present invention is to provide a static two-dimensional code payment method and device based on a mobile terminal, and aim to solve the problem in the prior art that the static two-dimensional code payment is maintained by using a third-party server, and the security is low.
The technical scheme of the invention is as follows:
a static two-dimensional code payment method based on a mobile terminal comprises the following steps:
acquiring a merchant terminal ID, and generating a static two-dimensional code according to the merchant terminal ID;
after detecting that the user terminal scans the static two-dimensional code, acquiring a merchant terminal ID, and verifying the merchant terminal ID;
after the verification of the merchant terminal ID is passed, acquiring a request source of the user terminal, inquiring merchant configuration parameters according to the merchant terminal ID, and generating an order according to the merchant configuration parameters;
and after detecting that the user terminal pays according to the order, acquiring a payment result of the user terminal, and pushing the payment result of the user terminal to the merchant terminal.
Optionally, the obtaining the merchant terminal ID and generating the static two-dimensional code according to the merchant terminal ID includes:
and acquiring a merchant terminal ID, and generating a static two-dimensional code according to the merchant terminal ID and the payment receiving interface.
Optionally, the obtaining a request source of the user terminal, querying the merchant configuration parameter according to the merchant terminal ID, and generating the order according to the merchant configuration parameter includes:
acquiring a request source of the user terminal according to the user-agent request header keyword;
and inquiring the merchant configuration parameters according to the merchant terminal ID, generating an order containing the order number, and skipping to an input amount page.
Optionally, after the verification of the merchant terminal ID is passed, obtaining a request source of the user terminal, querying a merchant configuration parameter according to the merchant terminal ID, and generating an order according to the merchant configuration parameter, further including:
the input amount page acquires the payment amount input by the user;
and after detecting that the user triggers a payment instruction, returning a static two-dimensional code payment interface to the user terminal, and acquiring the payment parameters and the parameter signature of the user terminal.
Optionally, the parameter signature is encrypted by using SHA256 algorithm.
Optionally, after the verification of the merchant terminal ID is passed, obtaining a request source of the user terminal, querying the merchant configuration parameter according to the merchant terminal ID, and generating an order according to the merchant configuration parameter, further including:
the static two-dimensional code payment interface verifies the payment parameters and the parameter signature of the user terminal;
and if the verification is passed, jumping to an H5 page, and carrying out payment according to the request source of the user terminal.
Optionally, the obtaining a payment result of the user terminal after detecting that the user terminal pays according to the order, and pushing the payment result of the user terminal to the merchant terminal includes:
entering a payment completion page after detecting that the user terminal carries out payment according to the order;
and obtaining a payment result of the user terminal, and pushing the payment result of the user terminal to a WeChat bound with the merchant in the merchant terminal.
Another embodiment of the present invention provides a mobile terminal-based static two-dimensional code payment apparatus, which includes at least one processor; and the number of the first and second groups,
a memory communicatively coupled to the at least one processor; wherein the content of the first and second substances,
the memory stores instructions executable by the at least one processor to enable the at least one processor to perform the mobile-based static two-dimensional code payment method described above.
Another embodiment of the present invention also provides a non-transitory computer-readable storage medium storing computer-executable instructions, which, when executed by one or more processors, may cause the one or more processors to perform the mobile-terminal-based static two-dimensional code payment method described above.
Another embodiment of the present invention provides a computer program product comprising a computer program stored on a non-volatile computer-readable storage medium, the computer program comprising program instructions that, when executed by a processor, cause the processor to perform the above-mentioned mobile-terminal-based static two-dimensional code payment method.
Has the advantages that: the invention discloses a static two-dimensional code payment method and a static two-dimensional code payment device based on a mobile terminal, compared with the prior art, the embodiment of the invention can realize one-code payment without providing two-dimensional codes of multiple payment companies; the user operation is carried out in the whole process, and the operation of a merchant is not needed; data are not transmitted through a third party and other external services, so that the safety is high, and the maintenance is convenient.
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The invention will be further described with reference to the accompanying drawings and examples, in which:
fig. 1 is a flowchart of a mobile-based static two-dimensional code payment method according to a preferred embodiment of the present invention;
fig. 2 is a schematic diagram of a hardware structure of a mobile-end-based static two-dimensional code payment device according to a preferred embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and effects of the present invention clearer and clearer, the present invention is described in further detail below. It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention. Embodiments of the present invention will be described below with reference to the accompanying drawings.
The embodiment of the invention provides a static two-dimensional code payment method based on a mobile terminal. Referring to fig. 1, fig. 1 is a flowchart illustrating a static two-dimensional code payment method based on a mobile terminal according to a preferred embodiment of the present invention. As shown in fig. 1, it includes the steps of:
s100, acquiring a merchant terminal ID, and generating a static two-dimensional code according to the merchant terminal ID;
s200, after detecting that the user terminal scans the static two-dimensional code, acquiring a merchant terminal ID, and verifying the merchant terminal ID;
step S300, after the verification of the merchant terminal ID is passed, acquiring a request source of the user terminal, inquiring merchant configuration parameters according to the merchant terminal ID, and generating an order according to the merchant configuration parameters;
and step S400, after the user terminal is detected to pay according to the order, obtaining a payment result of the user terminal, and pushing the payment result of the user terminal to the merchant terminal.
In specific implementation, the static two-dimensional code payment based on the mobile terminal in the embodiment of the invention is applied to a server, and the server refers to a server managed by a merchant terminal.
And recording the merchant terminal ID as a merchant terminal number, acquiring the merchant terminal number, and generating a static two-dimensional code according to the merchant terminal. The user may enter the payment receipt interface by clicking on the static two-dimensional code.
Skipping the interface by scanning the code by the user, and verifying the validity of the merchant terminal number; one two-dimensional code corresponds to a terminal number of a merchant, whether the terminal number is a terminal number valid for a server needs to be verified, and the terminal information is inquired in a database according to the terminal number to verify the valid state of the terminal number;
if the terminal number is valid, acquiring a request source of the user terminal, wherein the request source is a payment platform, inquiring merchant configuration parameters stored in a server database in advance according to the terminal number, and generating a current order for the user to pay after acquiring the merchant configuration parameters;
and after the user pays the order, obtaining a payment result of the user terminal, and pushing the payment result of the user terminal to the merchant terminal. The pushing mode can be that the data is pushed to the corresponding merchant terminal through instant messaging software bound with the merchant.
The embodiment of the invention can realize one-code payment without providing two-dimensional codes of a plurality of payment companies; user operation is performed in the whole process, merchant operation data is not required to be transmitted through a third party and other external services, and safety is guaranteed; the stability and the flexibility of data are ensured, and the maintenance is convenient.
In a further embodiment, obtaining a merchant terminal ID, and generating a static two-dimensional code according to the merchant terminal ID includes:
and acquiring a merchant terminal ID, and generating a static two-dimensional code according to the merchant terminal ID and the payment receiving interface.
During specific implementation, the server generates a static two-dimensional code for the merchant, the content of the two-dimensional code is a payment receiving interface, and if the address is: http:// xxxx/gwNo xx (xxx is domain name, gwNo is merchant terminal number).
Further, acquiring a request source of the user terminal, querying merchant configuration parameters according to the merchant terminal ID, and generating an order according to the merchant configuration parameters, including:
acquiring a request source of the user terminal according to the user-agent request header keyword;
and inquiring the merchant configuration parameters according to the merchant terminal ID, generating an order containing the order number, and skipping to an input amount page.
In specific implementation, the request source is obtained according to the user-agent request header keyword, wherein the request source includes but is not limited to WeChat and Paibao. For example, the Payment treasures pay the corresponding request header keyword AlipayClient, and the WeChat payment corresponds to the request header keyword MicroMessenger. And if the request head keyword is not acquired, the jump failure page shows an unsupported payment mode. And inquiring merchant configuration parameters including but not limited to merchant brand, key and currency according to the terminal number, regenerating an order number according to the merchant configuration parameters, combining a request source, the merchant configuration parameters and the order number into an order, and transmitting and skipping the order to an input amount page.
Further, after the merchant terminal ID passes the verification, obtaining a request source of the user terminal, querying the merchant configuration parameter according to the merchant terminal ID, and generating an order according to the merchant configuration parameter, the method further includes:
the input amount page acquires the payment amount input by the user;
and after detecting that the user triggers a payment instruction, returning a static two-dimensional code payment interface to the user terminal, and acquiring the payment parameters and the parameter signature of the user terminal.
In specific implementation, the parameter signature is encrypted by using an SHA256 algorithm. And inputting the payment amount on the input amount page by the user, clicking a payment button, requesting a static two-dimensional code payment interface, and sending all payment parameters and parameter signatures. The payment parameters include but are not limited to a merchant terminal number, an order number, an amount, a currency, a channel ID and a login certificate, the payment parameters are sorted by A-Z, the payment parameters are encrypted by a secret key to generate a signature, specifically, the signature is generated by encryption of an SHA256 algorithm, the SHA256 algorithm is one of HASH algorithms, the SHA256 algorithm is the prior art, and the specific algorithm is not described herein again.
Further, after the merchant terminal ID passes the verification, obtaining a request source of the user terminal, querying the merchant configuration parameter according to the merchant terminal ID, and generating an order according to the merchant configuration parameter, the method further includes:
the static two-dimensional code payment interface verifies the payment parameters and the parameter signature of the user terminal;
and if the verification is passed, jumping to an H5 page, and carrying out payment according to the request source of the user terminal.
During specific implementation, the payment interface verifies the parameter signature and the payment parameters, and if the verification is passed, the page of the user terminal is controlled to jump to the H5 page, and the corresponding JSAPI of the user terminal is called to call the checkout counter for payment according to the source request.
In some other embodiments, the obtaining a payment result of the user terminal after detecting that the user terminal performs payment according to the order, and pushing the payment result of the user terminal to the merchant terminal includes:
entering a payment completion page after detecting that the user terminal carries out payment according to the order;
and obtaining a payment result of the user terminal, and pushing the payment result of the user terminal to a WeChat bound with the merchant in the merchant terminal.
In specific implementation, after the user finishes payment, a payment finishing page is displayed, payment platforms such as WeChat and Paibao asynchronously inform a server of the payment result of the order, and finally the server pushes the payment result to the WeChat bound with the merchant.
It should be noted that, in the foregoing embodiments, a certain order does not necessarily exist among the steps, and it can be understood by those skilled in the art according to the description of the embodiments of the present invention that, in different embodiments, the steps may have different execution orders, that is, may be executed in parallel, may be executed interchangeably, and the like.
Another embodiment of the present invention provides a static two-dimensional code payment device based on a mobile terminal, as shown in fig. 2, the device 10 includes:
one or more processors 110 and a memory 120, where one processor 110 is illustrated in fig. 2, the processor 110 and the memory 120 may be connected by a bus or other means, and the connection by the bus is illustrated in fig. 2.
The memory 120 is a non-volatile computer-readable storage medium, and can be used to store non-volatile software programs, non-volatile computer-executable programs, and modules, such as program instructions corresponding to the mobile-terminal-based static two-dimensional code payment method in the embodiment of the present invention. The processor 110 executes various functional applications and data processing of the apparatus 10 by executing the nonvolatile software programs, instructions and units stored in the memory 120, that is, implements the mobile-terminal-based static two-dimensional code payment method in the above method embodiment.
The memory 120 may include a storage program area and a storage data area, wherein the storage program area may store an application program required for operating the device, at least one function; the storage data area may store data created according to the use of the device 10, and the like. Further, the memory 120 may include high speed random access memory, and may also include non-volatile memory, such as at least one magnetic disk storage device, flash memory device, or other non-volatile solid state storage device. In some embodiments, memory 120 optionally includes memory located remotely from processor 110, which may be connected to device 10 via a network. Examples of such networks include, but are not limited to, the internet, intranets, local area networks, mobile communication networks, and combinations thereof.
One or more units are stored in the memory 120, and when executed by the one or more processors 110, perform the mobile-side-based static two-dimensional code payment method in any of the above-described method embodiments, e.g., perform the above-described method steps S100 to S300 in fig. 1.
Embodiments of the present invention provide a non-transitory computer-readable storage medium storing computer-executable instructions for execution by one or more processors, for example, to perform method steps S100-S300 of fig. 1 described above.
By way of example, non-volatile storage media can include read-only memory (ROM), Programmable ROM (PROM), Electrically Programmable ROM (EPROM), electrically erasable ROM (EEPROM), or flash memory. Volatile memory can include Random Access Memory (RAM), which acts as external cache memory. By way of illustration and not limitation, RAM is available in many forms such as Synchronous RAM (SRAM), dynamic RAM, (DRAM), Synchronous DRAM (SDRAM), double data rate SDRAM (DDR SDRAM), Enhanced SDRAM (ESDRAM), Synchlink DRAM (SLDRAM), and Direct Rambus RAM (DRRAM). The disclosed memory components or memory of the operating environment described herein are intended to comprise one or more of these and/or any other suitable types of memory.
Another embodiment of the present invention provides a computer program product comprising a computer program stored on a non-volatile computer-readable storage medium, the computer program comprising program instructions that, when executed by a processor, cause the processor to perform the mobile-terminal-based static two-dimensional code payment method of the above-mentioned method embodiment. For example, the method steps S100 to S300 in fig. 1 described above are performed.
The above-described embodiments are merely illustrative, and the units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the modules can be selected according to actual needs to achieve the purpose of the scheme of the embodiment.
Through the above description of the embodiments, those skilled in the art will clearly understand that the embodiments may be implemented by software plus a general hardware platform, and may also be implemented by hardware. Based on such understanding, the above technical solutions essentially or contributing to the related art can be embodied in the form of a software product, which can be stored in a computer-readable storage medium, such as ROM/RAM, magnetic disk, optical disk, etc., and includes several instructions for enabling a computer device (which can be a personal computer, a server, or a network device, etc.) to execute the methods of the various embodiments or some parts of the embodiments.
Conditional language such as "can," "might," or "may" is generally intended to convey that a particular embodiment can include (yet other embodiments do not include) particular features, elements, and/or operations, among others, unless specifically stated otherwise or otherwise understood within the context as used. Thus, such conditional language is not generally intended to imply that features, elements, and/or operations are in any way required for one or more embodiments or that one or more embodiments necessarily include logic for deciding, with or without student input or prompting, whether such features, elements, and/or operations are included or are to be performed in any particular embodiment.
What has been described herein in the specification and drawings includes examples that can provide a mobile-end based static two-dimensional code payment method and apparatus. It will, of course, not be possible to describe every conceivable combination of components and/or methodologies for purposes of describing the various features of the disclosure, but it can be appreciated that many further combinations and permutations of the disclosed features are possible. It is therefore evident that various modifications can be made to the disclosure without departing from the scope or spirit thereof. In addition, or in the alternative, other embodiments of the disclosure may be apparent from consideration of the specification and drawings and from practice of the disclosure as presented herein. It is intended that the examples set forth in this specification and the drawings be considered in all respects as illustrative and not restrictive. Although specific terms are employed herein, they are used in a generic and descriptive sense only and not for purposes of limitation.
Claims (10)
1. A static two-dimensional code payment method based on a mobile terminal is characterized by comprising the following steps:
acquiring a merchant terminal ID, and generating a static two-dimensional code according to the merchant terminal ID;
after detecting that the user terminal scans the static two-dimensional code, acquiring a merchant terminal ID, and verifying the merchant terminal ID;
after the verification of the merchant terminal ID is passed, acquiring a request source of the user terminal, inquiring merchant configuration parameters according to the merchant terminal ID, and generating an order according to the merchant configuration parameters;
and after detecting that the user terminal pays according to the order, acquiring a payment result of the user terminal, and pushing the payment result of the user terminal to the merchant terminal.
2. The static two-dimensional code payment method based on the mobile terminal according to claim 1, wherein the obtaining of the merchant terminal ID and the generation of the static two-dimensional code according to the merchant terminal ID comprise:
and acquiring a merchant terminal ID, and generating a static two-dimensional code according to the merchant terminal ID and the payment receiving interface.
3. The static two-dimensional code payment method based on the mobile terminal according to claim 1, wherein the obtaining of the request source of the user terminal, querying the merchant configuration parameter according to the merchant terminal ID, and generating the order according to the merchant configuration parameter comprises:
acquiring a request source of the user terminal according to the user-agent request header keyword;
and inquiring the merchant configuration parameters according to the merchant terminal ID, generating an order containing the order number, and skipping to an input amount page.
4. The static two-dimensional code payment method based on the mobile terminal according to claim 1, wherein after the merchant terminal ID passes verification, a request source of the user terminal is obtained, merchant configuration parameters are queried according to the merchant terminal ID, and after an order is generated according to the merchant configuration parameters, the method further comprises:
the input amount page acquires the payment amount input by the user;
and after detecting that the user triggers a payment instruction, returning a static two-dimensional code payment interface to the user terminal, and acquiring the payment parameters and the parameter signature of the user terminal.
5. The mobile-terminal-based static two-dimensional code payment method according to claim 4, wherein the parameter signature is encrypted by using SHA256 algorithm.
6. The static two-dimensional code payment method based on the mobile terminal according to claim 4, wherein after the merchant terminal ID is verified, a request source of the user terminal is obtained, the merchant configuration parameter is queried according to the merchant terminal ID, and after an order is generated according to the merchant configuration parameter, the method further comprises:
the static two-dimensional code payment interface verifies the payment parameters and the parameter signature of the user terminal;
and if the verification is passed, jumping to an H5 page, and carrying out payment according to the request source of the user terminal.
7. The static two-dimensional code payment method based on the mobile terminal according to claim 6, wherein the step of obtaining a payment result of the user terminal and pushing the payment result of the user terminal to the merchant terminal after detecting that the user terminal pays according to the order comprises:
entering a payment completion page after detecting that the user terminal carries out payment according to the order;
and obtaining a payment result of the user terminal, and pushing the payment result of the user terminal to a WeChat bound with the merchant in the merchant terminal.
8. A static two-dimensional code payment device based on a mobile terminal is characterized by comprising at least one processor; and the number of the first and second groups,
a memory communicatively coupled to the at least one processor; wherein the content of the first and second substances,
the memory stores instructions executable by the at least one processor to enable the at least one processor to perform the mobile-based static two-dimensional code payment method of any one of claims 1-7.
9. A non-transitory computer-readable storage medium storing computer-executable instructions that, when executed by one or more processors, cause the one or more processors to perform the mobile-based static two-dimensional code payment method of any one of claims 1-7.
10. A computer program product, characterized in that the computer program product comprises a computer program stored on a non-volatile computer-readable storage medium, the computer program comprising program instructions that, when executed by a processor, cause the processor to perform the mobile-terminal based static two-dimensional code payment method of any one of claims 1-7.
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