CN113822663A

CN113822663A - Bar code payment-based implementation method and device

Info

Publication number: CN113822663A
Application number: CN202010559111.1A
Authority: CN
Inventors: 郑吉�; 吕海燕; 孙曦
Original assignee: Alipay Labs Singapore Pte Ltd
Current assignee: Advanced Nova Technology Singapore Holdings Ltd
Priority date: 2020-06-18
Filing date: 2020-06-18
Publication date: 2021-12-21
Also published as: WO2021255651A1; TW202201307A; TWI774290B

Abstract

The specification provides a method for realizing payment based on a bar code, which is applied to a payer terminal and comprises the following steps: obtaining an aggregate code value for payment; the aggregate code value comprises at least two payment code values; rendering the aggregate code value into an aggregate code, displaying the aggregate code to a payee device for scanning, and enabling the payee device to obtain the aggregate code value and taking one of all payment code values in the aggregate code value, which is supported by the payee, as a payment code value used for the payment.

Description

Bar code payment-based implementation method and device

Technical Field

The present disclosure relates to the field of network communication technologies, and in particular, to a method and an apparatus for implementing barcode payment.

Background

The bar code is a graphic identifier which combines bars and spaces with different reflectivity according to a certain coding rule and is used for expressing a group of information. Barcodes include one-dimensional barcodes (also known as barcodes), two-dimensional barcodes (also known as two-dimensional codes), and the like. Bar codes are widely used in the field of network payment, for example, merchants can collect money from a user's account by scanning a payment code presented by the user.

In network payment, different payment service providers generally adopt different encoding formats to generate their own payment code values, and each payment service provider can only correctly interpret the payment code values issued by itself. When a user uses the payment code to pay, the user needs to know which payment service provider account the merchant can accept (i.e. which payment code values the merchant supports), and then opens a certain payment code supported by the merchant to complete the payment. The user makes a decision and then operates, the process is complicated, the payment efficiency is low, and the payment failure can be caused by misoperation when the user selects the payment service provider.

Disclosure of Invention

In view of this, the present specification provides a method for implementing barcode-based payment, applied to a payer terminal, the method including:

obtaining an aggregate code value for payment; the aggregate code value comprises at least two payment code values;

rendering the aggregate code value into an aggregate code, displaying the aggregate code to a payee device for scanning, and enabling the payee device to obtain the aggregate code value and taking one of all payment code values in the aggregate code value, which is supported by the payee, as a payment code value used for the payment.

The implementation method based on the bar code payment provided by the specification is applied to payee equipment, and comprises the following steps:

scanning an aggregation code displayed by a payer terminal to obtain an aggregation code value for payment; the aggregate code value comprises at least two payment code values;

extracting each payment code value of the aggregation code values, and screening out the payment code values supported by the payee from all the extracted payment code values;

taking a payment code value supported by the payee as a payment code value used for the payment;

and initiating a payment request to a code sender server of the payment code value used in the payment.

The barcode payment-based implementation method provided by the specification is applied to an aggregation code server, wherein the aggregation code server maintains code sender information to which all payment code values belong in an aggregation code value corresponding to a user account and code sender account information to which the payment code values correspond in the code senders, and the method comprises the following steps:

receiving an aggregate code value request of a payer terminal;

adopting the code sender information to which all payment code values belong in the aggregate code values corresponding to the user account of the payer terminal and the code sender account information to which the payment code values correspond in the code sender, requesting the payment code values corresponding to the code sender account from the code sender server to which the payment code values belong, and adopting the payment code values returned by the code sender server to generate the aggregate code values;

and sending the aggregate code value to the payer terminal for rendering and displaying to payee equipment for scanning, and after obtaining the aggregate code value, the payee equipment takes one of all the payment code values in the aggregate code value, which is supported by the payee, as the payment code value used for the payment.

This specification still provides a realization device based on bar code payment, uses on payer's terminal, the device includes:

an aggregate code value acquisition unit for acquiring an aggregate code value for payment; the aggregate code value comprises at least two payment code values;

and the aggregation code rendering unit is used for rendering the aggregation code value into an aggregation code and displaying the aggregation code to the payee equipment for scanning, so that the payee equipment can use one of all payment code values in the aggregation code value, which is supported by the payee, as the payment code value used for the payment after obtaining the aggregation code value.

This specification provides a realization device based on bar code payment, uses on payee's equipment, the device includes:

the system comprises an aggregation code scanning unit, a payment party terminal and a payment processing unit, wherein the aggregation code scanning unit is used for scanning an aggregation code displayed by the payment party terminal to obtain an aggregation code value for payment; the aggregate code value comprises at least two payment code values;

the payment code value extraction unit is used for extracting each payment code value of the aggregation code values and screening the payment code values supported by the payee from all the extracted payment code values;

the payment code value determining unit is used for taking a payment code value supported by the payee as a payment code value used for the payment;

and the payment request initiating unit is used for initiating a payment request to the code sender server of the payment code value used in the payment.

The device for realizing the barcode payment is applied to an aggregation code server, wherein the aggregation code server maintains code sender information to which all payment code values belong in an aggregation code value corresponding to a user account and code sender account information to which the payment code values correspond in the code sender to which the payment code values belong, and the device comprises:

an aggregate code value request receiving unit for receiving an aggregate code value request of a payer terminal;

the system comprises an aggregation code value generating unit, a code sending party server and a code sending party server, wherein the aggregation code value generating unit is used for requesting a payment code value of a corresponding code sending party account from the code sending party server to which the payment code value belongs by adopting code sending party information to which all payment code values in an aggregation code value corresponding to a user account of the payment party terminal belong and code sending party account information to which the payment code value corresponds;

and the aggregate code value request response unit is used for sending the aggregate code value to the payer terminal, displaying the rendered aggregate code value to the payee device for scanning, and taking one of all the payment code values in the aggregate code value, which is supported by the payee, as the payment code value used for the payment after the payee device obtains the aggregate code value.

This specification provides a terminal, including: a memory and a processor; the memory having stored thereon a computer program executable by the processor; and when the processor runs the computer program, the steps of the implementation method based on the bar code payment applied to the payer terminal are executed.

This specification provides a computer device comprising: a memory and a processor; the memory having stored thereon a computer program executable by the processor; and when the processor runs the computer program, executing the steps of the implementation method based on the bar code payment applied to the payee equipment.

This specification provides a computer device comprising: a memory and a processor; the memory having stored thereon a computer program executable by the processor; and when the processor runs the computer program, executing the steps of the implementation method based on the bar code payment applied to the aggregation code server.

The present specification provides a computer-readable storage medium, on which a computer program is stored, which, when executed by a processor, performs the steps of the above-mentioned implementation method for barcode-based payment applied to a payer terminal.

The present specification also provides a computer readable storage medium having stored thereon a computer program which, when executed by a processor, performs the steps described above for barcode based payment at a payee device.

The present specification also provides a computer-readable storage medium, on which a computer program is stored, which, when executed by a processor, performs the steps of the above-mentioned implementation method for barcode-based payment applied to an aggregation code server.

According to the technical scheme, in the embodiment of the specification, the payer terminal provides the aggregated code value containing at least two payment code values to the payee device, and the payee device uses one payment code value supported by the payee as the payment, so that a user does not need to know the payment code value supported by the payee and then select the displayed payment code by himself/herself during payment, the operation of the user is reduced, the payment efficiency is improved, and the possibility of payment failure caused by the selection error of the user is reduced.

Drawings

FIG. 1 is a diagram illustrating an example of a network architecture for an application scenario of an embodiment of the present disclosure;

FIG. 2 is a schematic diagram illustrating an encoding manner of an aggregate code value in an embodiment of the present disclosure;

FIG. 3 is a flowchart of a method for implementing barcode-based payment applied to a payer terminal in an embodiment of the present specification;

FIG. 4 is a flowchart of a method for implementing barcode-based payment applied to a payee device in an embodiment of the present specification;

fig. 5 is a flowchart of an implementation method of barcode-based payment applied to an aggregation code server in an embodiment of the present specification;

fig. 6 is a flowchart of interaction among a user terminal, a payee device, an aggregation code server, and a code sender server in an example of application of the present specification;

FIG. 7 is a hardware block diagram of a terminal or device on which embodiments of the present description operate;

FIG. 8 is a logic structure diagram of an implementation apparatus for barcode-based payment applied to a payer terminal in the embodiment of the present specification;

fig. 9 is a logic structure diagram of an implementation apparatus for barcode-based payment applied to a payee device in the embodiment of the present specification.

Fig. 10 is a logic structure diagram of an implementation apparatus for barcode-based payment applied to an aggregation code server in an embodiment of the present specification.

Detailed Description

The embodiment of the specification provides a new bar code based payment implementation method, wherein a payer terminal carries two or more payment code values in an aggregation code displayed for scanning by payee equipment, and among the payment code values provided by the payer terminal, the payee equipment uses one payment code value supported by the payee to carry out the payment, so that the process that a user knows and selects the payment code value supported by the payee before paying is avoided, the time and energy of the user are saved, the operation of the user is reduced, and the possibility of payment failure caused by selection error of the user is reduced.

In an embodiment of the present specification, as a payer, a user may use an account registered with one or more payment service providers as a payment account. The payment account may be the user's own account or an account of another person. Any one payment service provider provides a payment code value corresponding to each account according to the encoding rule of the payment code value, the payment service provider is an issuer of each payment code value provided by the payment service provider, and the account corresponding to the payment code value at the issuer is an issuer account. The user may make a payment by passing the payment code value to the payee, with the issuer account corresponding to the payment code value as the payment account. In order to receive the payment of a user with the payment code value of a certain code sender, a payee needs to initiate a payment request with the payment code value to a server of the same code sender, so that the server of the code sender can correctly read out a payment account, and thus transfer of money is realized. After receiving the payment code value, the payee can know to which code sender server the payment request is initiated, and the code sender server can receive and process the payment request of the payee, wherein the code sender is the code sender supported by the payee, and the payment code value of the code sender is the payment code value supported by the payee.

In the embodiments of the present description, the payment process is performed by the payer presenting the aggregation code to the payee, who collects the money by scanning the aggregation code. The aggregate code is rendered by the aggregate code value, and may be a one-dimensional barcode, a two-dimensional barcode, a combination of a one-dimensional barcode and a two-dimensional barcode, or a combination of two or more one-dimensional and/or two-dimensional barcodes for rendering the aggregate code value by adopting different code systems.

The aggregate code value comprises at least two payment code values used for the payment by a user using the payer terminal. The payment code values in the same aggregate code value may include one or more of payment code values corresponding to the same user in the code issuer accounts of different code issuers, payment code values corresponding to different code issuer accounts of the same code issuer (registered by one user or registered by different users), and payment code values corresponding to different users in code issuer accounts of different code issuers, without limitation.

All of the payment code values included in one aggregate code value are combined in a predetermined format to form the aggregate code value. The specific form of the predetermined format is not limited as long as each payment code value can be split from the aggregated code value according to the predetermined format. For example, bits 1 to k of the aggregate code value₁The bit being a payment code value, kth (k)₁+1) bit toKth₂The bit being a payment code value, kth (k)₂+1) bit to kth bit₃Bit is a payment code value, and so on, k₁、k₂、k₃Is a natural number with a set value.

In one implementation, all of the payment code values comprised by the aggregation code may be arranged in sequence, with two adjacent payment code values separated by a predetermined separator character, thereby combining the payment code values into an aggregation code. The encoding mode for isolating the payment code value by adopting the preset delimiter is high in encoding efficiency and small in analysis difficulty, and is not limited to the application scene of the chip card.

An example of such an encoding of an aggregate code value, in this case comprising n payment code values P, is given below₁、P₂To P_nHaving lengths of L1, L2 through Ln bits (decimal digits), respectively, and S is a predetermined isolated character, the aggregate code value is encoded as shown in FIG. 2, P₁、P₂To P_nArranged in succession, between two values of payment code which are adjacent after arrangement, e.g. P₁And P₂Between, P₂And P₃Between, P_n-1And P_nSeparated by S. In FIG. 2, C_1，1、C_1，2To C_1，L1Is P₁Each bit of (A), C_2，1、C_2，2To C_2，L2Is P₂Each bit of (A), C_n，1、C_n，2To C_n，LnIs P_nThe respective bits of (a).

In the above implementation, if a predetermined isolated character may be used in the payment code value included in the aggregate code value of any one user, the predetermined isolated character in the payment code value needs to be escaped, that is, the predetermined isolated character in the payment code value is replaced with an escaped character of the predetermined isolated character. The specific escape manner may be determined according to an actual application scenario, and is not limited.

Still taking the Encoding method of fig. 2 as an example, assuming that S is a character "|", and a payment code value that may be used by a user includes the character "|", the "|" as a predetermined isolation character may be escaped in an escape manner of URL Encoding (Uniform Resource Locator Encoding, where a character string is encoded by a Uniform Resource identifier), so as to avoid a collision that may occur when analyzing an aggregate code value; i.e., other than "|" as the predetermined isolated character, "|" (e.g., the character "|", within the payment code value) that is not the predetermined isolated character, is replaced with the escape character% 7C.

In the embodiment of the present specification, the payee device may scan the aggregation code displayed on the payer terminal, and the payer terminal and the code issuer server may communicate with each other through a network.

In some application scenarios of the embodiment of the present specification, a user may register a user account on an aggregation code server, each user account on the aggregation code server corresponds to one aggregation code value used for payment, and the aggregation code server maintains code issuer information to which all payment code values belong in the aggregation code values corresponding to each user account and code issuer account information to which the payment code values correspond. The user can set and modify the information of the user account by accessing the aggregation code server.

In an application scenario including the aggregation code server, communication can be performed between the payer terminal and the aggregation code server, between the payee device and the aggregation code server, and between the aggregation code server and each code sender server through a network. An exemplary network architecture is shown in fig. 1.

Wherein, the payer terminal can be a mobile phone, a tablet Computer, a PC (Personal Computer), a notebook Computer, and the like; the payee device can be one device or a combination of two or more devices with scanning, calculating and storing functions, such as a mobile phone, a tablet computer, a code scanning gun, a PC, a notebook and the like; the code sending party server or the aggregation code server may be one physical or logical server, or two or more physical or logical servers sharing different responsibilities and cooperate with each other to implement each function of the code sending party server or the aggregation code server in the embodiments of the present specification.

In the embodiment of the present specification, a flow of the implementation method based on barcode payment applied to a payer terminal is shown in fig. 3, a flow of the implementation method applied to a payee device is shown in fig. 4, and a flow of the implementation method applied to an aggregation code server is shown in fig. 5.

At the payer terminal, an aggregate code value for payment is obtained, step 310, the aggregate code value including at least two payment code values.

When the user wishes to make a payment using the aggregation code on the payer terminal, the payer terminal may be instructed to display the aggregation code by operation. The payer terminal acquires the value of the aggregation code after receiving the user instruction.

The aggregate code value includes two or more payment code values, each payment code value corresponding to an issuer account of an issuer. Each payment code value is encoded according to the rule of the code sender to which the payment code value belongs, and in an actual application scenario, the payment code value can be generated by a code sender server, a code sender client or other software modules issued by the code sender. Correspondingly, the aggregate code value may be locally generated at the payer terminal, or may be requested from the aggregation code server by the payer terminal in an application scenario including the aggregation code server, and a specific generation manner may be determined according to implementation and requirements of the application scenario, without limitation. The following examples are given.

The first example is as follows: the aggregation code value is generated by a software functional module installed on a payer terminal, and the software functional module can be an App independent of other code sender client software, or a module used for realizing various functions related to the aggregation code in certain code sender client software. The software functional module maintains the information of the code sender to which all the payment code values included in the aggregate code value belong, and a user can set and modify the content through the software functional module.

After receiving the operation of displaying the aggregation code instructed by the user, the software functional module requests the payment code value from the code sender client of the payment code values installed on the payment party terminal according to the code senders to which all the payment code values included in the aggregation code value belong. And the client of each code sender returns the payment code value of each code sender to the software functional module. The software function module generates an aggregate code value in accordance with a predetermined format using the returned payment code value.

When the aggregate code value may include the payment code values corresponding to the accounts of other people (not the user himself), the software functional module may maintain the affiliated code senders of all the payment code values included in the aggregate code value and the account information of the code senders corresponding to each payment code value in the affiliated code senders. When the software functional module requests the payment code value from the code sending party client side to which the payment code value belongs, the payment code value is carried with the account information (one or more) of the code sending party corresponding to the payment code value, so that the code sending party client side can return the correct payment code value.

The second example: similar to the first example, the aggregate code value is generated by a software function module installed on the payer terminal, and the software function module may be an App independent of other code-sender client software, or a module in one code-sender client software for implementing various functions related to the aggregate code. The software functional module maintains the information of the code sender to which all the payment code values included in the aggregate code value belong, and a user can set and modify the information through the software functional module.

The Software function module is provided with an SDK (Software Development Kit) which is issued by the code sender belonging to all the payment code values included in the aggregate code value and is used for generating the payment code value belonging to each code sender. When the user adds a new payment code value in the aggregate code value, and the payment code value belongs to a new code issuer, the software function module requests and installs its SDK to the new code issuer server.

After receiving the operation of displaying the aggregation code instructed by the user, the software functional module calls the SDKs of all the code sending parties according to the code sending parties of all the payment code values included in the aggregation code value to generate the payment code values of all the code sending parties. The software function module generates an aggregate code value in accordance with a predetermined format using the payment code value returned as the call result.

When the aggregate code value may include the payment code values corresponding to the accounts of other people (not the user himself), the software functional module may maintain the affiliated code senders of all the payment code values included in the aggregate code value and the account information of the code senders corresponding to each payment code value in the affiliated code senders. When the SDK of each code sender is called, the code sender account information (one or more) of the payment code value corresponding to the code sender is transmitted to the SDK of the code sender as a calling parameter, and the SDK of the code sender returns the payment code value corresponding to the account of the code sender.

The third example: in an application scenario including an aggregation code server, a payer terminal may request, from the aggregation code server, an aggregation code value corresponding to a user account registered in the aggregation code server. Specifically, the step of acquiring the aggregate code value includes:

on the aggregation code server, step 510: an aggregate code value request is received from a payer terminal.

On the aggregation code server, step 520: and requesting the payment code value of the corresponding account from the code sender server to which the payment code value belongs by adopting the code sender information to which all the payment code values belong in the aggregate code values corresponding to the user account using the payment party terminal and the code sender account information to which the payment code values correspond, and generating the aggregate code value by adopting the payment code values returned by the code sender server.

The payer terminal sends an aggregate code value request to the aggregate code server. The payer terminal may carry in the aggregate code value request the user identity using the payer terminal, the carried identity being capable of uniquely identifying an account registered on the aggregate code server. In some application scenarios, before the payer terminal sends the aggregate code value request, the user logs in to the aggregate code server, and the aggregate code server can know which user account using the payer terminal is from the session after logging in.

And the aggregation code server searches the information of the code sender to which all the payment code values corresponding to the user account using the payer terminal belong and the information of the code sender account to which the payment code values correspond in the maintained information. The aggregation code server sends a payment code value request to the code sending party server to which the payment code values belong, and the request carries the account information (one to a plurality of) of the code sending party. The issuer server returns a payment code value corresponding to the issuer account in the request. And the aggregation code server generates the aggregation code value according to a preset format by adopting the returned payment code values.

On the aggregation code server, step 530: and sending the aggregate code value to the payer terminal, displaying the rendered aggregate code value to the payee device for scanning, and taking one of all the payment code values in the aggregate code value, which is supported by the payee, as the payment code value used for the payment after the payee device obtains the aggregate code value.

After the payer terminal obtains the aggregate code value, payment can be performed using the aggregate code value.

On the payer terminal, step 320: rendering the aggregate code value into an aggregate code, displaying the aggregate code to the payee equipment for scanning, and taking one of all payment code values in the aggregate code value, which is supported by the payee, as the payment code value used for the payment after the payee equipment acquires the aggregate code value.

On the payee device, step 410: and scanning the aggregation code displayed by the payer terminal to acquire the aggregation code value for payment.

And rendering the aggregation code value into an aggregation code by the payer terminal, and displaying the aggregation code value on a terminal screen to be provided to the payee device. And the payee equipment scans the aggregation code and analyzes the aggregation code value from the aggregation code image.

On the payee device, step 420: and extracting each payment code value of the aggregation code values, and screening out the payment code values supported by the payee from all the extracted payment code values.

And the payee equipment reversely disassembles the aggregate code value from the payer terminal according to the preset format of the aggregate code value, and extracts each payment code value encapsulated in the aggregate code value. The specific disassembly mode is determined by a predetermined format, and still taking the encoding mode of fig. 2 as an example, the payee device first searches predetermined isolated characters S on each bit of the aggregate code value, and each separated part is taken as a payment code value. If the predetermined isolated character is "|", and the character "|" is also a character that may be used in the payment code value, and thus the generation process of the aggregated code value includes escape of the character "|" in the payment code value by URL Encoding, the payee apparatus, after obtaining each payment code value, searches for the escape character% 7C in the payment code value and replaces it with the character "|".

As mentioned above, each code sender generates the payment code value belonging to the code sender according to its own encoding rule, for example, the first several digits of the payment code value of some code senders are fixed characters, or the first several digits of the payment code value are in a set value range interval, or have a fixed length and first character, etc. The encoding rule of the code sender becomes the characteristic of the payment code value of the code sender. According to the coding rule of the code sender supported by the payee, the payee equipment identifies the extracted payment code values one by adopting the characteristics of the payment code values supported by the payer, and obtains all the payment code values supported by the payee.

On the payee device, step 430: and taking a payment code value supported by the payee as a payment code value used for the payment.

The number of the payment code values supported by the payee, which may be recognized by the payee apparatus, is 0 to several, among the aggregate code values provided by the payer terminal. If the number of the payment code values supported by the payee is 0, the payment fails. If the number of the payment code values supported by the payee is 1, the payee device can directly use the payment code values as the payment code values used for the payment. If the number of the payment code values supported by the payee exceeds 1, one of the payment code values is used as the payment code value used for the current payment, for example, one of the payment code values supported by the payee can be determined arbitrarily by the payee device and used as the payment code value used for the current payment.

In an implementation including the aggregation code server, when the number of the payment code values supported by the payee exceeds 1, all the payment code values supported by the payee may be encapsulated in an available payment code value forwarding request by the payee device, and sent to the aggregation code server. And after determining the payer terminal corresponding to the payment code value in the forwarding request, the aggregation code server sends all the payment code values in the forwarding request as the selectable payment code values to the payer terminal.

If the aggregation code is generated by the aggregation code server according to the request of the payer terminal, the aggregation code server can save the corresponding relation between all the payment code values used for generating the aggregation code and the user account of the payer after generating the aggregation code. After the aggregation code server receives the available payment code value forwarding request sent by the payee equipment, any one of the payment code values is adopted, the corresponding user account is found in the corresponding relation between the payment code value and the payer user account, and then the selectable payment code value is sent to the payer terminal using the user account.

If the aggregation code is generated by the payer terminal off-line, the aggregation code server can extract one of the available payment code values after receiving the available payment code value forwarding request sent by the payee device, initiate an account information query request to the sender server of the extracted payment code value, and the sender server returns the sender account corresponding to the payment code value. The aggregation code server inquires the information of the code sender to which all the payment code values belong and the information of the code sender account corresponding to the payment code values in the maintained aggregation code values of the user accounts, so that the payment code value supported by the payee can be known from the aggregation code value of which user account. The aggregation code server may then send the value of the payment code available for selection to the payer terminal using the user account.

The aggregation code server may send the value of the alternative payment code to the payer terminal in different ways, two examples of which are given below.

In one example, after displaying the aggregation code to the payee device, the payer terminal may periodically initiate polling to the aggregation code server to request the available payment code value for the payment. The aggregation code server returns the payment code values supported by all the payee among the aggregation code values of the user account using the payer terminal to the payer terminal as a response to the polling.

In another example, after determining from which user account the payment code value supported by the payee originates, the aggregation code server may push an available payment code value selection instruction to a payer terminal using the user account. The aggregation code server can carry the payment code values supported by all the payee parties in the pushed available payment code value selection instruction; or the payer terminal initiates a request of the available payment code value to the aggregation code server in the process of receiving the selection instruction of the available payment code value, and the aggregation code server returns all the payment code values supported by the payee to the payer terminal in response.

And after receiving all the payment code values supported by the payee from the aggregation code server, the payer terminal displays the payment account information available for use to the user. The payer terminal can display the identifier of the payer of the payment code value supported by the payee, the identifier and the account of the payer of the payment code value supported by the payee, or the identifier of other senders or accounts of the senders to the user, and the user can determine the payment account according to the displayed content.

And according to the selection operation of the user on the available payment code values, the payer terminal returns one selected payment code value in all payment code values supported by the payee to the aggregation code server.

And after receiving one payment code value selected from all payment code values supported by the payee by the user, the aggregation code server takes the payment code value selected by the user as the payment code value used for the current payment, and sends the payment code value to the payee equipment as a response to the available payment code value forwarding request.

On the payee device, step 440: and initiating a payment request to a code sender server of the payment code value used in the payment.

After the payment code value used in the payment is determined, the payee device initiates a payment request to the code sender server of the payment code value, and requests the code sender server to transfer the money of the payment amount to the account of the payee from the code sender account corresponding to the payment code value.

It can be seen that in the embodiment of the present specification, two or more payment code values are carried in one aggregation code displayed for scanning by the payee device by the payer terminal, and the payee device uses one of the payment code values supported by the payee as the payment, so that the user is prevented from knowing and selecting the payment code value supported by the payee before paying, the user operation is reduced, the payment efficiency is improved, and the possibility of payment failure caused by user selection error is reduced.

The foregoing description has been directed to specific embodiments of this disclosure. Other embodiments are within the scope of the following claims. In some cases, the actions or steps recited in the claims may be performed in a different order than in the embodiments and still achieve desirable results. In addition, the processes depicted in the accompanying figures do not necessarily require the particular order shown, or sequential order, to achieve desirable results. In some embodiments, multitasking and parallel processing may also be possible or may be advantageous.

In one application example of the present specification, a user may combine the payment code values of himself at multiple code senders into an aggregate code value through an aggregate code server. After the user registers an account on the aggregation code server, the user account can be designated which code senders are included in the corresponding aggregation code value, and the code senders' accounts of the user in the code senders. The aggregation code server maintains the corresponding relation between the user account and all code senders and the code senders' accounts in the aggregation code value of the user account.

The user installs the aggregation code client on the terminal (payer terminal) of the user, and operates the aggregation code client to log in the aggregation code server through the user account. When the user uses the aggregation code to pay for the merchant, the interaction flow among the user terminal, the payee device, the aggregation code server and the code sender server is shown in fig. 6.

And the user opens the aggregation code client on the terminal and instructs the aggregation code client to display the aggregation code. The aggregation code client sends an aggregation code value request to the aggregation code server.

And the aggregation code server searches for the code sender and the code sender account corresponding to the user account according to the login user account of the aggregation code client. And the aggregation code server sends a payment code value request to each code sender server corresponding to the user account, and the request carries the code sender account of the code sender.

And the code sender server receiving the payment code value request generates a payment code value corresponding to the code sender account in the request and returns the payment code value to the aggregation code server.

The aggregation code server assembles the generated aggregation code value using all the returned payment code values in accordance with the predetermined format shown in fig. 2. Assuming that the aggregation code server requests payment code values from 3 coders in total, the payment code values returned by the 3 coders are 281001020123456789012345, 002345 and R1BMRDA5NVBMV1MwMDIw respectively, and the predetermined separation character is "|", the aggregation code value generated by the aggregation code server is: 281001020123456789012345|002345| R1BMRDA5NVBMV1 MwMDIw.

The aggregation code server sends the aggregation code value to the user terminal in a response to the request for the payment code value.

And rendering the aggregate code value into a two-dimensional code by an aggregate code client of the user terminal, displaying the two-dimensional code on a screen, and scanning the two-dimensional code for the payee equipment. And the aggregation code client sends an available payment code value request to the aggregation code server at regular time, and polls the payment code value supported by the payee for the payment.

The payee equipment scans the two-dimensional code on the user terminal and analyzes the aggregate code value from the two-dimensional code.

The payee device looks up the predetermined isolated character "|" in the aggregate code value, and the found 2 predetermined isolated characters separate the aggregate code value into 3 segments, each segment being a payment code value. The payee device extracts 3 payment code values. According to the characteristics of the payment code values of the code sender supported by the payee, the payee device determines that 1 of the payment code values is the payment code value supported by the payee, and the payment code value supported by the payee is 281001020123456789012345. The payer equipment takes 1 payment code value supported by the payee as the payment code value used for the payment.

The payer equipment initiates a payment request to the code sender server of the payment code value used by the payment so as to complete the payment.

Therefore, in the above process, neither the user nor the merchant needs to decide which code sender or the account of the code sender to use for receiving and paying at the beginning, and after the code senders supported by both parties are screened out, the user decides which code sender to use for paying. The post-decision-making avoids the inaccuracy of information in oral interaction between the merchant and the user, and the more code-sending parties the user can select, the more remarkable the improvement on the efficiency of the payment process.

Corresponding to the implementation of the above flow, the embodiments of the present specification further provide an implementation apparatus based on barcode payment applied to a payer terminal, an implementation apparatus based on barcode payment applied to a payee device, and an implementation apparatus based on barcode payment applied to an aggregation code server. The above devices can be realized by software, or by hardware, or by a combination of hardware and software. Taking a software implementation as an example, the device in the logical sense is formed by reading a corresponding computer program instruction into a memory for running through a Central Processing Unit (CPU) of the terminal or the device where the terminal or the CPU is located. In terms of hardware, in addition to the CPU, the memory and the storage shown in fig. 7, a terminal or a device where the barcode payment implementation apparatus is located generally includes other hardware such as a chip for performing wireless signal transmission and reception and/or other hardware such as a board card for implementing a network communication function.

Fig. 8 is a diagram illustrating an implementation apparatus for barcode-based payment according to an embodiment of the present disclosure, which is applied to a payer terminal, where the apparatus includes an aggregate code value obtaining unit and an aggregate code rendering unit, where: the aggregation code value acquisition unit is used for acquiring an aggregation code value for payment; the aggregate code value comprises at least two payment code values; and the aggregation code rendering unit renders the aggregation code value into an aggregation code, displays the aggregation code to the payee equipment for scanning, and takes one of all payment code values in the aggregation code value, which is supported by the payee, as the payment code value used for the payment after the payee equipment acquires the aggregation code value.

Optionally, the aggregate code value obtaining unit is specifically configured to: requesting a payment code value from a code sender client to which each payment code value in the aggregate code values installed on the terminal belongs, and generating the aggregate code value by adopting the payment code value returned by the code sender client; or calling software development kit SDKs of at least two code senders to obtain a payment code value of the code sender, and generating an aggregation code value by adopting the payment code value; or sending an aggregation code value request to the aggregation code server, and receiving the aggregation code value corresponding to the user account of the terminal of the payer returned from the aggregation code server.

In one example, the aggregate code value has a predetermined format, the predetermined format comprising: all of the payment code values are arranged in sequence with two adjacent payment code values separated by a predetermined separator character.

In the above example, when the predetermined isolated character may be used in the payment code value included in the aggregate code value of any one user, the escape character of the predetermined isolated character is used to replace the predetermined isolated character in the payment code value.

Optionally, the apparatus further comprises one of: the payment code value selection instruction response unit is used for receiving all payment code values supported by the payee in the aggregation code values from the aggregation code server according to the available payment code value selection instruction pushed by the aggregation code server; returning a selected one of all the payment code values supported by the payee by the user using the payer terminal to an aggregation code server; or, the payment code value polling unit is used for polling the available payment code values of the current payment to the aggregation code server, and after receiving all the payment code values supported by the payee in the aggregation code values returned by the aggregation code server, returning one selected payment code value among the payment code values of the user using the payer terminal to the aggregation code server.

Fig. 9 is a diagram illustrating an implementation apparatus for barcode-based payment according to an embodiment of the present disclosure, which is applied to a payee device, and includes an aggregation code scanning unit, a payment code value extracting unit, a used payment code value determining unit, and a payment request initiating unit, where: the aggregation code scanning unit is used for scanning the aggregation code displayed by the payer terminal to obtain an aggregation code value for payment; the aggregate code value comprises at least two payment code values; the payment code value extraction unit is used for extracting each payment code value of the aggregation code values and screening the payment code values supported by the payee from all the extracted payment code values; the used payment code value determining unit is used for taking a payment code value supported by the payee as a payment code value used for the payment; the payment request initiating unit is used for initiating a payment request to a code sender server of the payment code value used in the payment.

Optionally, the payment code value extracting unit is specifically configured to: extracting each payment code value from the aggregated code values according to a predetermined format of the aggregated code values; and identifying the extracted payment code values one by adopting the characteristics of the payment code values supported by the payer to obtain all the payment code values supported by the payee.

Optionally, the used payment code value determining unit further includes an available payment code value forwarding subunit and a used payment code value receiving subunit, wherein: the available payment code value transfer subunit is used for carrying all the payment code values supported by the payee in an available payment code value transfer request to send to the aggregation code server when the payment code value supported by the payee exceeds one; the used payment code value receiving subunit is used for receiving the payment code value used for the payment returned by the aggregation code server; and after the payment code value used for the payment is sent to the payer terminal by the aggregation code server according to all the payment code values supported by the payee, the payer terminal returns one selected by the user to the aggregation code server.

Fig. 10 is a diagram showing an implementation apparatus for barcode-based payment, which is applied to an aggregation code server, where the aggregation code server maintains code issuer information to which all payment code values in an aggregation code value corresponding to a user account belong and code issuer account information to which the payment code values correspond in the code issuer, and the apparatus includes an aggregation code value request receiving unit, an aggregation code value generating unit, and an aggregation code value request responding unit, where: the aggregate code value request receiving unit is used for receiving an aggregate code value request of a payer terminal; the aggregation code value generating unit is used for requesting a payment code value corresponding to the code sender account from a code sender server to which the payment code value belongs by adopting code sender information to which all payment code values belong in the aggregation code values corresponding to the user accounts using the payer terminal and code sender account information to which the payment code values correspond, and generating the aggregation code value by adopting the payment code values returned by the code sender server; the aggregate code value request response unit is used for sending the aggregate code value to the payer terminal, displaying the rendered aggregate code value to the payee device for scanning, and after the payee device obtains the aggregate code value, taking one of all the payment code values in the aggregate code value, which is supported by the payee, as the payment code value used for the payment.

In one implementation, the apparatus further includes an available payment code value transfer receiving unit, an available payment code value transmitting unit, and a used payment code value transfer unit, wherein: the available payment code value forwarding and receiving unit is used for receiving an available payment code value forwarding request sent by a payee device, wherein the available payment code value forwarding request carries all payment code values supported by the payee in the aggregation code value; the available payment code value sending unit is used for sending all payment code values supported by the payee to the payer terminal; and the used payment code value transfer unit is used for receiving one selected by the user from all payment code values supported by the payee returned by the payer terminal, and sending the payment code value selected by the user as the payment code value used for the payment to the payee equipment.

In the foregoing implementation, the available payment code value sending unit is specifically configured to be one of: sending all the payment code values supported by the payee to the payer terminal as a response to polling available payment code values by the payer terminal; or pushing an available payment code value selection instruction to the payer terminal, and sending all payment code values supported by the payee in the aggregated code values to the payer terminal based on the available payment code value selection instruction.

Embodiments of the present description provide a terminal that includes a memory and a processor. Wherein the memory has stored thereon a computer program executable by the processor; the processor executes the steps of the implementation method based on bar code payment applied to the payer terminal in the embodiment of the present specification when running the stored computer program. For a detailed description of the various steps of the implementation method of barcode-based payment applied to the payer terminal, please refer to the previous contents and will not be repeated.

Embodiments of the present description provide a computer device that includes a memory and a processor. Wherein the memory has stored thereon a computer program executable by the processor; the processor, when running the stored computer program, performs the steps of the method for implementing a barcode-based payment applied to a payee device in the embodiments of the present description. For a detailed description of the steps of the implementation method of barcode-based payment applied to the payee device, please refer to the previous contents and will not be repeated.

Embodiments of the present description provide a computer device that includes a memory and a processor. Wherein the memory has stored thereon a computer program executable by the processor; when running the stored computer program, the processor executes the steps of the implementation method based on barcode payment applied to the aggregation code server in the embodiment of the present specification. For a detailed description of the steps of the implementation method for barcode-based payment applied to the aggregation code server, please refer to the previous contents, which are not repeated.

Embodiments of the present description provide a computer-readable storage medium having stored thereon computer programs which, when executed by a processor, perform the steps of the barcode-based payment implementation method applied to a payer terminal in embodiments of the present description. For a detailed description of the various steps of the implementation method of barcode-based payment applied to the payer terminal, please refer to the previous contents and will not be repeated.

Embodiments of the present description provide a computer-readable storage medium having stored thereon computer programs which, when executed by a processor, perform the steps of a method for barcode-based payment implementation applied to a payee device in embodiments of the present description. For a detailed description of the steps of the implementation method of barcode-based payment applied to the payee device, please refer to the previous contents and will not be repeated.

Embodiments of the present description provide a computer-readable storage medium having stored thereon computer programs, which, when executed by a processor, perform the steps of the implementation method of barcode-based payment applied to an aggregation code server in embodiments of the present description. For a detailed description of the steps of the implementation method for barcode-based payment applied to the aggregation code server, please refer to the previous contents, which are not repeated.

While the invention has been described in terms of what is presently considered to be the most practical and preferred embodiment, it is to be understood that the invention is not to be limited to the disclosed embodiment, but on the contrary, is intended to cover various modifications, equivalents, and alternatives falling within the spirit and scope of the invention as defined by the appended claims.

In a typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.

The memory may include forms of volatile memory in a computer readable medium, Random Access Memory (RAM) and/or non-volatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). Memory is an example of a computer-readable medium.

Computer-readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transmission medium that can be used to store information that can be accessed by a computing device. As defined herein, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.

It should also be noted that 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. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.

As will be appreciated by one skilled in the art, embodiments of the present description may be provided as a method, system, or computer program product. Accordingly, embodiments of the present description may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, embodiments of the present description may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and so forth) having computer-usable program code embodied therein.

Claims

1. A method for realizing payment based on bar code is applied to a payer terminal, and the method comprises the following steps:

2. The method of claim 1, the obtaining an aggregate code value for payment comprising one of:

requesting a payment code value from a code sender client to which each payment code value in the aggregate code values installed on the terminal belongs, and generating the aggregate code value by adopting the payment code value returned by the code sender client; or the like, or, alternatively,

calling software development kit SDKs of at least two code senders to obtain a payment code value of the code sender, and generating an aggregation code value by adopting the payment code value; or the like, or, alternatively,

and sending an aggregation code value request to the aggregation code server, and receiving the aggregation code value corresponding to the user account of the terminal of the payer returned from the aggregation code server.

3. The method of claim 1, the aggregate code value having a predetermined format comprising: all of the payment code values are arranged in sequence with two adjacent payment code values separated by a predetermined separator character.

4. A method as claimed in claim 3, wherein when the predetermined isolated character is likely to be used in a payment code value comprised in the aggregate code value for any one user, the predetermined isolated character in the payment code value is replaced with an escape character for the predetermined isolated character.

5. The method of claim 1, further comprising one of:

receiving all payment code values supported by the payee in the aggregation code values from the aggregation code server according to an available payment code value selection instruction pushed by the aggregation code server; returning a selected one of all the payment code values supported by the payee by the user using the payer terminal to an aggregation code server; or the like, or, alternatively,

and polling the available payment code values of the payment to an aggregation code server, and returning a selected payment code value of the user using the payer terminal to the aggregation code server after receiving all the payment code values supported by the payee in the aggregation code values returned by the aggregation code server.

6. A bar code payment-based implementation method is applied to payee equipment and comprises the following steps:

7. The method of claim 6, wherein extracting each of the aggregate code values, and filtering out the payment code values supported by the payee among all of the extracted payment code values, comprises: extracting each payment code value from the aggregated code values according to a predetermined format of the aggregated code values; and identifying the extracted payment code values one by adopting the characteristics of the payment code values supported by the payer to obtain all the payment code values supported by the payee.

8. The method of claim 6, the aggregate code value having a predetermined format comprising: all of the payment code values are arranged in sequence with two adjacent payment code values separated by a predetermined separator character.

9. The method of claim 8, wherein when said predetermined isolated character is potentially used in a payment code value comprised in any one of said users' aggregate code values, an escape character of said predetermined isolated character is substituted for said predetermined isolated character in said payment code value.

10. The method as claimed in claim 6, wherein the step of using a payment code value supported by the payee as the payment code value used for the payment comprises:

when the payment code value supported by the payee exceeds one, all the payment code values supported by the payee are carried in the available payment code value forwarding request and are sent to the aggregation code server;

receiving a payment code value used for the payment returned by the aggregation code server; and after the payment code value used for the payment is sent to the payer terminal by the aggregation code server according to all the payment code values supported by the payee, the payer terminal returns one selected by the user to the aggregation code server.

11. A method for realizing payment based on bar codes is applied to an aggregation code server, wherein the aggregation code server maintains code sender information to which all payment code values belong in aggregation code values corresponding to user accounts and code sender account information corresponding to the payment code values in the code senders to which the payment code values belong, and the method comprises the following steps:

receiving an aggregate code value request of a payer terminal;

12. The method of claim 11, further comprising:

receiving an available payment code value forwarding request sent by payee equipment, wherein the available payment code value forwarding request carries all payment code values supported by the payee in the aggregation code values;

sending all payment code values supported by the payee to the payer terminal;

and receiving a selected one of all the payment code values which are returned by the payer terminal and supported by the payee, and sending the payment code value selected by the user as the payment code value used for the payment to the payee equipment.

13. The method of claim 12, the transmitting all payment code values supported by a payee to the payer terminal, comprising one of:

sending all the payment code values supported by the payee to the payer terminal as a response to polling available payment code values by the payer terminal; or the like, or, alternatively,

and pushing an available payment code value selection instruction to the payer terminal, and sending all payment code values supported by the payee in the aggregated code values to the payer terminal based on the available payment code value selection instruction.

14. The method of claim 11, the aggregate code value having a predetermined format comprising: all of the payment code values are arranged in sequence with two adjacent payment code values separated by a predetermined separator character.

15. The method of claim 14, wherein when said predetermined isolated character is potentially used in a payment code value comprised in any one of said users' aggregate code values, an escape character of said predetermined isolated character is substituted for said predetermined isolated character in said payment code value.

16. An implementation device based on bar code payment, which is applied to a payer terminal, and comprises:

17. The apparatus according to claim 16, wherein the aggregate code value obtaining unit is specifically configured to one of:

18. The apparatus of claim 16, the aggregate code value having a predetermined format comprising: all of the payment code values are arranged in sequence with two adjacent payment code values separated by a predetermined separator character.

19. The apparatus as claimed in claim 18, wherein when said predetermined isolated character is likely to be used in a payment code value comprised in any one of said users' aggregate code values, an escape character of said predetermined isolated character is substituted for said predetermined isolated character in said payment code value.

20. The apparatus of claim 16, further comprising one of:

the payment code value selection instruction response unit is used for receiving all payment code values supported by the payee in the aggregation code values from the aggregation code server according to the available payment code value selection instruction pushed by the aggregation code server; returning a selected one of all the payment code values supported by the payee by the user using the payer terminal to an aggregation code server; or the like, or, alternatively,

and the payment code value polling unit is used for polling the available payment code values of the current payment to the aggregation code server, and returning one selected payment code value in the payment code values of the user using the payment party terminal to the aggregation code server after receiving all the payment code values supported by the payee in the aggregation code values returned by the aggregation code server.

21. An implementation device based on bar code payment is applied to payee equipment, and the device comprises:

22. The apparatus of claim 21, the payment code value extraction unit being specifically configured to: extracting each payment code value from the aggregated code values according to a predetermined format of the aggregated code values; and identifying the extracted payment code values one by adopting the characteristics of the payment code values supported by the payer to obtain all the payment code values supported by the payee.

23. The apparatus of claim 21, the aggregate code value having a predetermined format comprising: all of the payment code values are arranged in sequence with two adjacent payment code values separated by a predetermined separator character.

24. The apparatus as claimed in claim 23, wherein when said predetermined isolated character is likely to be used in a payment code value comprised in any one of said users' aggregate code values, an escape character of said predetermined isolated character is substituted for said predetermined isolated character in said payment code value.

25. The apparatus of claim 21, the usage payment code value determination unit further comprising:

the available payment code value forwarding subunit is used for carrying all the payment code values supported by the payee in an available payment code value forwarding request and sending the available payment code value forwarding request to the aggregation code server when the payment code value supported by the payee exceeds one value;

the used payment code value receiving subunit is used for receiving the payment code value used for the payment returned by the aggregation code server; and after the payment code value used for the payment is sent to the payer terminal by the aggregation code server according to all the payment code values supported by the payee, the payer terminal returns one selected by the user to the aggregation code server.

26. The utility model provides a realization device based on bar code payment, uses on the aggregate code server, maintain the information of the sender that all payment code values belong to and the information of the sender account that payment code values correspond at affiliated sender in the aggregate code value that the user account corresponds on the aggregate code server, the device includes:

27. The apparatus of claim 26, the apparatus further comprising:

the available payment code value forwarding and receiving unit is used for receiving an available payment code value forwarding request sent by payee equipment, wherein the available payment code value forwarding request carries all payment code values supported by the payee in the aggregation code value;

an available payment code value transmitting unit for transmitting all payment code values supported by the payee to the payer terminal;

and the used payment code value forwarding unit is used for receiving one selected by the user from all payment code values supported by the payee returned by the payer terminal, and sending the payment code value selected by the user as the payment code value used for the payment to the payee equipment.

28. The apparatus of claim 27, the available payment code value transmitting unit being specifically for one of:

29. The apparatus of claim 26, the aggregate code value having a predetermined format comprising: all of the payment code values are arranged in sequence with two adjacent payment code values separated by a predetermined separator character.

30. The apparatus as claimed in claim 29, wherein when said predetermined isolated character is likely to be used in a payment code value comprised in any one of said users' aggregate code values, an escape character of said predetermined isolated character is substituted for said predetermined isolated character in said payment code value.

31. A terminal, comprising: a memory and a processor; the memory having stored thereon a computer program executable by the processor; the processor, when executing the computer program, performs the steps of any of claims 1 to 5.

32. A computer device, comprising: a memory and a processor; the memory having stored thereon a computer program executable by the processor; the processor, when executing the computer program, performs the steps of any of claims 6 to 10.

33. A computer device, comprising: a memory and a processor; the memory having stored thereon a computer program executable by the processor; the processor, when executing the computer program, performs the steps of any of claims 11 to 15.

34. A computer-readable storage medium, on which a computer program is stored which, when being executed by a processor, carries out the steps of any one of claims 1 to 5.

35. A computer-readable storage medium, on which a computer program is stored which, when being executed by a processor, carries out the steps of any one of claims 6 to 10.

36. A computer-readable storage medium, on which a computer program is stored which, when being executed by a processor, carries out the steps of any one of claims 11 to 15.