CN112232802A - Electronic payment information processing method, system and storage medium - Google Patents
Electronic payment information processing method, system and storage medium Download PDFInfo
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- CN112232802A CN112232802A CN202011157352.XA CN202011157352A CN112232802A CN 112232802 A CN112232802 A CN 112232802A CN 202011157352 A CN202011157352 A CN 202011157352A CN 112232802 A CN112232802 A CN 112232802A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR 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
- G06Q20/3274—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR 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; CALCULATING OR 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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
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- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- Accounting & Taxation (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Computer Networks & Wireless Communication (AREA)
- Computer Security & Cryptography (AREA)
- Finance (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention provides an electronic payment information processing method, a system and a storage medium, wherein the method comprises the following steps: the user terminal receives a payment request triggered by a user and sends the payment request to the server; the background server generates a payment code corresponding to the payment request according to the payment request and returns the payment code to the user terminal; the user terminal receives and displays the payment code so that the user can scan the payment code in a scanning area of the payment terminal; the payment terminal obtains payment information through the scanned payment code, and the fee deduction is completed through the preset fee deduction rule and the payment information within the set time. The user terminal sends the payment request to the background server, generates the payment code through the payment request, and pays through the generated payment code, so that the user payment code can be prevented from being stolen, and the safety is improved.
Description
Technical Field
The invention mainly relates to the technical field of electronic payment, in particular to an electronic payment information processing method, system and storage medium.
Background
With the high development of social science and technology, more and more scenes of people using electronic payment gradually replace cash payment.
Electronic payment is also called mobile phone payment, and a payment user can realize payment settlement by showing a payment code through a user terminal. However, if the user's payment code is stolen once, there is a risk that the user's account is stolen, reducing the security of the payment using the payment code.
Disclosure of Invention
The invention aims to solve the technical problem of the prior art and provides an electronic payment information processing method, an electronic payment information processing system and a storage medium.
The technical scheme for solving the technical problems is as follows: an electronic payment information processing method includes the following steps:
the method comprises the steps that a user terminal receives a payment request triggered by a user and sends the payment request to a server;
the background server generates a payment code corresponding to the payment request according to the payment request and returns the payment code to the user terminal;
the user terminal receives and displays the payment code so that a user can scan the payment code in a scanning area of the payment terminal;
and the payment terminal acquires payment information through the scanned payment code and finishes fee deduction through a preset fee deduction rule and the payment information within set time.
Another technical solution of the present invention for solving the above technical problems is as follows: an electronic payment information processing system comprising:
the user terminal receives a payment request triggered by a user and sends the payment request to a server;
the background server generates a payment code corresponding to the payment request according to the payment request and returns the payment code to the user terminal;
the user terminal receives and displays the payment code so that a user can scan the payment code in a scanning area of the payment terminal;
and the payment terminal acquires payment information through the scanned payment code and finishes fee deduction through a preset fee deduction rule and the payment information within set time.
Another technical solution of the present invention for solving the above technical problems is as follows: an electronic payment information processing system comprising a memory, a processor and a computer program stored in said memory and executable on said processor, implementing an electronic payment information processing method as described above when said computer program is executed by said processor.
Another technical solution of the present invention for solving the above technical problems is as follows: a computer-readable storage medium storing a computer program which, when executed by a processor, implements an electronic payment information processing method as described above.
The invention has the beneficial effects that: the user terminal sends the payment request to the background server, generates the payment code through the payment request, and pays through the generated payment code, so that the user payment code can be prevented from being stolen, and the safety is improved.
Drawings
Fig. 1 is a schematic flow chart of an electronic payment information processing method according to an embodiment of the present invention.
Detailed Description
The principles and features of this invention are described below in conjunction with the following drawings, which are set forth by way of illustration only and are not intended to limit the scope of the invention.
Fig. 1 is a schematic flow chart of an electronic payment information processing method according to an embodiment of the present invention.
As shown in fig. 1, an electronic payment information processing method includes the following steps:
the method comprises the steps that a user terminal receives a payment request triggered by a user and sends the payment request to a server;
the background server generates a payment code corresponding to the payment request according to the payment request and returns the payment code to the user terminal;
the user terminal receives and displays the payment code so that a user can scan the payment code in a scanning area of the payment terminal;
and the payment terminal acquires payment information through the scanned payment code and finishes fee deduction through a preset fee deduction rule and the payment information within set time.
In the embodiment, the user terminal sends the payment request to the background server, generates the payment code through the payment request, and pays through the generated payment code, so that the payment code of the user can be prevented from being stolen, and the safety is improved.
Optionally, as an embodiment of the present invention, if the payment terminal does not complete the fee deduction within a set time, the method further includes:
the payment terminal sends a request for refreshing the payment code to the background server;
the background server generates a new payment code according to the payment code refreshing request and returns the new payment code to the user terminal;
and the user terminal receives and displays the new payment code so that the user can scan the new payment code in a scanning area of the payment terminal.
In the embodiment, the payment code with new information can be generated for payment, so that embezzlement is prevented, and the safety is improved.
Optionally, as an embodiment of the present invention, the payment code is a two-dimensional payment code or a barcode.
Optionally, as an embodiment of the present invention, the method further includes the steps of: and when the time deduction is completed, sending payment completion information to the user terminal.
Optionally, as an embodiment of the present invention, an electronic payment information processing system includes:
the user terminal receives a payment request triggered by a user and sends the payment request to a server;
the background server generates a payment code corresponding to the payment request according to the payment request and returns the payment code to the user terminal;
the user terminal receives and displays the payment code so that a user can scan the payment code in a scanning area of the payment terminal;
and the payment terminal acquires payment information through the scanned payment code and finishes fee deduction through a preset fee deduction rule and the payment information within set time.
Optionally, as an embodiment of the present invention, if the payment terminal does not complete the fee deduction within a set time, the method further includes:
the payment terminal sends a request for refreshing the payment code to the background server;
the background server generates a new payment code according to the payment code refreshing request and returns the new payment code to the user terminal;
and the user terminal receives and displays the new payment code so that the user can scan the new payment code in a scanning area of the payment terminal.
Optionally, as an embodiment of the present invention, the payment code is a two-dimensional payment code or a barcode.
Optionally, as an embodiment of the present invention, the method further includes the steps of: and when the time deduction is completed, sending payment completion information to the user terminal.
Optionally, as another embodiment of the present invention, an electronic payment information processing system includes a memory, a processor, and a computer program stored in the memory and executable on the processor, and when the processor executes the computer program, the electronic payment information processing method as described above is implemented.
Alternatively, as another embodiment of the present invention, a computer-readable storage medium stores a computer program which, when executed by a processor, implements the electronic payment information processing method as described above.
It is noted that, herein, relational terms such as first and second, and the like may be used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Also, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus.
The above description is only for the purpose of illustrating the preferred embodiments of the present invention and is not to be construed as limiting the invention, and any modifications, equivalents, improvements and the like that fall within the spirit and principle of the present invention are intended to be included therein.
Claims (10)
1. An electronic payment information processing method is characterized by comprising the following steps:
the method comprises the steps that a user terminal receives a payment request triggered by a user and sends the payment request to a server;
the background server generates a payment code corresponding to the payment request according to the payment request and returns the payment code to the user terminal;
the user terminal receives and displays the payment code so that a user can scan the payment code in a scanning area of the payment terminal;
and the payment terminal acquires payment information through the scanned payment code and finishes fee deduction through a preset fee deduction rule and the payment information within set time.
2. The electronic payment information processing method of claim 1, wherein if the payment terminal does not complete the fee deduction within a set time, further comprising the steps of:
the payment terminal sends a request for refreshing the payment code to the background server;
the background server generates a new payment code according to the payment code refreshing request and returns the new payment code to the user terminal;
and the user terminal receives and displays the new payment code so that the user can scan the new payment code in a scanning area of the payment terminal.
3. The electronic payment information processing method of claim 1, wherein the payment code is a two-dimensional payment code or a barcode.
4. The electronic payment information processing method of any one of claims 1 to 3, further comprising the steps of: and when the time deduction is completed, sending payment completion information to the user terminal.
5. An electronic payment information processing system, comprising:
the method comprises the steps that a user terminal receives a payment request triggered by a user and sends the payment request to a server;
the background server generates a payment code corresponding to the payment request according to the payment request and returns the payment code to the user terminal;
the user terminal receives and displays the payment code so that a user can scan the payment code in a scanning area of the payment terminal;
and the payment terminal acquires payment information through the scanned payment code and finishes fee deduction through a preset fee deduction rule and the payment information within set time.
6. The electronic payment information processing system of claim 5, wherein if the payment terminal does not complete the fee deduction within a set time, further comprising the steps of:
the payment terminal sends a request for refreshing the payment code to the background server;
the background server generates a new payment code according to the payment code refreshing request and returns the new payment code to the user terminal;
and the user terminal receives and displays the new payment code so that the user can scan the new payment code in a scanning area of the payment terminal.
7. The electronic payment information processing system of claim 5, wherein the payment code is a two-dimensional payment code or a bar code.
8. The electronic payment information processing system of any one of claims 5 to 7, further comprising the steps of: and when the time deduction is completed, sending payment completion information to the user terminal.
9. An electronic payment information processing system comprising a memory, a processor and a computer program stored in said memory and executable on said processor, characterized in that when said processor executes said computer program, it implements the electronic payment information processing method of any one of claims 1 to 4.
10. A computer-readable storage medium storing a computer program, characterized in that when the computer program is executed by a processor, it implements the electronic payment information processing method of any one of claims 1 to 4.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202011157352.XA CN112232802A (en) | 2020-10-26 | 2020-10-26 | Electronic payment information processing method, system and storage medium |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202011157352.XA CN112232802A (en) | 2020-10-26 | 2020-10-26 | Electronic payment information processing method, system and storage medium |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN112232802A true CN112232802A (en) | 2021-01-15 |
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Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN202011157352.XA Withdrawn CN112232802A (en) | 2020-10-26 | 2020-10-26 | Electronic payment information processing method, system and storage medium |
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| Country | Link |
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| CN (1) | CN112232802A (en) |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN113159757A (en) * | 2021-01-19 | 2021-07-23 | 中国银联股份有限公司 | Payment code generation method and device |
-
2020
- 2020-10-26 CN CN202011157352.XA patent/CN112232802A/en not_active Withdrawn
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN113159757A (en) * | 2021-01-19 | 2021-07-23 | 中国银联股份有限公司 | Payment code generation method and device |
| WO2022156208A1 (en) * | 2021-01-19 | 2022-07-28 | 中国银联股份有限公司 | Payment code generation method and device |
| CN113159757B (en) * | 2021-01-19 | 2023-06-30 | 中国银联股份有限公司 | Payment code generation method and device |
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| WW01 | Invention patent application withdrawn after publication |
Application publication date: 20210115 |
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| WW01 | Invention patent application withdrawn after publication |