TW201942825A - Dynamic-check type code-scanning payment system and method, computer readable recording media and computer program product including a payment platform, a QR code verification platform, and a terminal device - Google Patents

Abstract

A dynamic-check type code-scanning payment system includes a payment platform configured to receive order information and a security code, and combine and translate the order information and the security code into a transaction information QR Code; a QR Code verification platform configured to receive the order information transmitted by the payment platform, compute the order information by an algorithm to obtain the security code, and transmit the security code to the payment platform; a payment platform for receiving the order information and transmitting the order information to a QR Code verification platform; and a terminal device configured to receive the transaction information QR Code transmitted by the payment platform and display the transaction information QR Code. The present invention further provides a dynamic-check type code-scanning payment method, a computer readable recording media and a computer program product.

Description

System and method for dynamically checking code scanning payment, computer-readable recording medium and computer program product

The present invention relates to the field of computer systems, and in particular, to a system and method for dynamically checking code scanning payment, a computer-readable recording medium, and a computer program product.

In recent years, consumer payment security has been gradually valued. In addition to the development of innovative financial payment, QR Code has begun to be used in the field of financial payment. Common online shopping uses mobile payment methods to link to specific websites, and then use credit cards or The financial card completes the payment.

The current QR Code adopts the website guide or the general data storage for payment. The data can only be verified by the special store. However, this model is usually limited to transactions in a single store, so it is not easy to popularize it, especially overseas. E-commerce platforms that only use traditional QR Code scanning codes to link to overseas websites may link to phishing sites or steal personal data, so consumers cannot identify the authenticity of QR Codes, making consumers even more uneasy. Complete payment.

In view of the above problems, the object of the present invention is to provide a system and method for dynamically checking code scanning payment, a computer-readable recording medium, and a computer program product. Based on this transaction when making online purchases by mobile payment The information dynamically generates a QR Code including a security code, and the QR Code is scanned for verification of this mobile payment. This can avoid linking to phishing sites or stealing personal data, and consumers do not need to identify the authenticity of the QR Code. , And give consumers more peace of mind to complete payment behavior.

A first aspect of the present invention provides a method for dynamically checking code scanning payment, which includes the following steps: receiving a order information from a payment platform, and transmitting the order information to a QR Code verification platform; from the QR The Code verification platform uses an algorithm to calculate the order information to obtain a security code, and transmits the security code to the payment platform; and the payment platform translates the order information and the security code into a transaction information QR Code, And transmitted to a terminal device to display the transaction information QR Code on the terminal device.

A second aspect of the present invention is to provide a system for dynamically checking code scanning payment, including: a payment platform, receiving an order information and a security code, and translating the order information and the security code into a transaction information QR Code; a QR Code verification platform that receives the order information transmitted by the payment platform, calculates the order information with an algorithm to obtain the security code, and transmits the security code to the payment platform; and a terminal device receives the The transaction information QR Code sent by the payment platform and displays the transaction information QR Code.

A third aspect of the present invention is to provide a computer-readable recording medium with a program stored therein. When the system of the dynamic check-type scan code payment is loaded into the computer-readable recording medium and executed, The method of the first aspect of the present invention can be completed.

A fourth aspect of the present invention is to provide a computer program product that stores a program. When the system of the dynamic check-type scan code payment is loaded and executed by the computer program product, the first aspect of the present invention can be completed Method.

In order to make a person skilled in the art who is familiar with the technical field of the present invention further understand the present invention, the preferred embodiments of the present invention are enumerated below, and in conjunction with the accompanying drawings, the constitutional content of the present invention and the desired effects are described in detail .

FIG. 1 is a schematic block diagram of a dynamic check-type scanning code payment system of the present invention. In FIG. 1, the system of dynamic check-type code scanning payment includes a payment platform 12, a QR Code verification platform 14, and a terminal device 16. The terminal device 16 may be a computer, a notebook computer, a tablet computer, or a smart phone.

The payment platform 12 receives an order information transmitted by an e-commerce platform 20, and the order information includes a transaction amount, a transaction date, an order number, and a store code. The payment platform 12 receives a security code transmitted by the QR Code verification platform 14. The payment platform's 12 sets of order information and security code become a transaction information QR Code. Because the order information of online shopping is not the same, the payment platform 12 dynamically translates different ones each time based on each different order information and security code. QR Code transaction information QR Code can avoid linking to phishing websites or stealing personal information.

The QR Code verification platform 14 receives the order information transmitted by the payment platform 12, and calculates the order information with an algorithm (such as an encryption algorithm) to obtain a security code, and transmits the order information and the security code to the payment platform 12. Since the transaction amount, transaction date, order number, and store code in each order information are different, the security code obtained by the algorithm of each order information calculated by the QR Code verification platform 14 is also different. Before payment, the QR Code verification platform 14 once again verifies whether the security code is correct with each order information, so as to increase the security of online mobile payment.

Consumers conduct online shopping transactions with an e-commerce platform 20 through the terminal device 16 to generate order information on the e-commerce platform 20, and the e-commerce platform 20 sends the order information to the payment platform 12. The terminal device 16 receives the transaction information QR Code transmitted by the payment platform 12 and displays the transaction information QR Code on the display 18 of the terminal device 16.

The smart mobile device 22 (such as a smart phone) executes, for example, a wallet app, and scans the transaction information QR Code displayed on the display 18 of the terminal device 16 with its scanner (not shown), and interprets the transaction information QR Code. As the order information and security code, the smart mobile device 22 sends the order information, the security code, and a transaction account information (such as a credit or debit card account number) to the QR Code verification platform 14.

The QR Code verification platform 14 receives the order information, security code, and transaction account information sent by the smart mobile device 22, calculates the order information by an algorithm to obtain a verification code, and verifies that the verification code is sent by the smart mobile device 22 After the security code is correct, send the order information and transaction account information to the payment platform12.

The payment platform 12 stores the order information and transaction account information verified by the QR Code verification platform 14 for future reference, and sends the order information and transaction account information to a financial institution platform 24 for The institutional platform 24 performs authorized payment transactions based on order information and transaction account information.

FIG. 2 is a flowchart of a payment transaction method for mobile payment according to the present invention. When explaining the process steps of FIG. 2, reference is made to the system architecture of FIG. 1.

In FIG. 2, the consumer makes an online shopping transaction with the e-commerce platform 20 through the terminal device 16 and sends a request to complete the order on the terminal device 16 to the e-commerce platform 20 after purchasing the goods, and the e-commerce platform 20 According to the online shopping, order information including transaction amount, transaction date, order number, and store code is generated, and the e-commerce platform 20 sends the order information to the payment platform 12 (step S30).

The payment platform 12 receives the order information transmitted by the e-commerce platform 20, and transmits the order information to the QR Code verification platform 14. The QR Code verification platform 14 receives the order information transmitted by the payment platform 12, and calculates the order information with an algorithm (such as an encryption algorithm) to obtain a security code, and transmits the order information and security code to the payment platform 12 (step S32). .

The payment platform 12 receives the order information and security code transmitted by the QR Code verification platform 14. The payment platform 12 translates the order information and the security code into a transaction information QR Code, and transmits the transaction information QR Code to the terminal device 16 (step S34).

The terminal device 16 receives the transaction information QR Code transmitted by the payment platform 12, and displays the transaction information QR Code on the display 18 of the terminal device 16 (step S36).

The smart mobile device 22 executes, for example, a wallet app, and scans the transaction information QR Code displayed on the display 18 of the terminal device 16 with its scanner (not shown). The smart mobile device 22 interprets the transaction information QR Code into order information and security codes. The smart mobile device 22 interprets the order information, security codes, and transaction account information for mobile payments (such as credit or debit card account numbers) Send to QR Code verification platform 14 (step S38).

The QR Code verification platform 14 receives the order information, security code and transaction account information sent by the smart mobile device 22. The QR Code verification platform 14 performs an algorithm to calculate the order information to obtain a verification code, and verifies that the verification code and the security code sent by the smart mobile device 22 are correct. When the verification is correct, the QR Code verification platform 14 transmits the order information. And transaction account information to the payment platform 12 (step S40).

The payment platform 12 stores the order information and transaction account information verified by the QR Code verification platform 14 for future reference. The payment platform 12 transmits order information and transaction account information to the financial institution platform 24, and the financial institution platform 24 performs authorized payment transactions according to the order information and transaction account information (step S42).

Since the order information of online shopping is not the same, the payment platform 12 dynamically translates the QR information of the QR code content that is different each time according to each different order information and security code, which can avoid linking to phishing websites or Stolen personal data.

Furthermore, since the transaction amount, transaction date, order number, and store code in each order information are different, the security code obtained by the algorithm of each order information calculated by the QR Code verification platform 14 is also different. Before making mobile payment, the QR Code verification platform 14 once again verifies whether the security code is correct with each order information, so as to increase the security of online mobile payment.

The above-mentioned method for providing a dynamic check-type scanning code payment can be completed in a program type, and the program can be stored in a computer-readable recording medium. After the computer-readable recording medium is loaded into the program and executed, the method steps shown in the above description and the drawings can be completed.

Similarly, the method for dynamically checking code scanning payment provided by the present invention can be completed by a computer program product. After the system for dynamically checking code scanning payment is downloaded from the network and executed, the method can be completed. Method steps as described above and shown in the drawings.

The invention provides a system and method for dynamically checking code scanning payment, a computer-readable recording medium and a computer program product. When shopping online for mobile payment, the trading platform dynamically generates There is a QR Code with a security code, and the smart mobile device scans the QR Code and the QR Code verification platform verifies the mobile payment. This can avoid linking to phishing sites or stealing personal data, and consumers do not need to identify the QR code. The authenticity of Code makes consumers more secure in completing payment.

Although the present invention has been described above with reference to preferred specific examples and exemplary drawings, it should not be construed as limiting. Those skilled in the art can make various modifications, omissions, and changes to the contents and specific examples thereof without departing from the claimed scope of the claims of the present invention.

12‧‧‧ payment platform

14‧‧‧QR Code Verification Platform

16‧‧‧Terminal equipment

18‧‧‧ Display

20‧‧‧E-commerce platform

22‧‧‧ Smart Mobile Device

24‧‧‧ Financial Institution Platform

FIG. 1 is a schematic block diagram of a dynamic check-type code scanning payment system according to the present invention; and FIG. 2 is a flowchart of a payment transaction method for mobile payment according to the present invention.

Claims (11)

A method for dynamically checking code scanning payment includes the following steps: A payment platform receives an order information, and transmits the order information to a QR Code verification platform; The QR Code verification platform calculates the calculation by an algorithm. Order information to obtain a security code and transmit the security code to the payment platform; and the payment platform translates the order information and the security code into a transaction information QR Code and transmits it to a terminal device for The terminal device displays the transaction information QR Code. The method of claim 1, wherein the order information includes a transaction amount, a transaction date, an order number, and a store code. The method of claim 1, wherein before the step of receiving the order information by the payment platform, the following steps are included: online transaction with an e-commerce platform on the terminal device to generate the order information on the e-commerce platform , And the e-commerce platform sends the order information to the payment platform. The method of claim 1, wherein after the step of displaying the transaction information QR Code by the terminal device, the method includes the following steps: A smart mobile device scans the transaction information QR Code displayed on the terminal device, and The transaction information QR Code is interpreted into the order information and the security code, and the order information, the security code, and a transaction account information are sent to the QR Code verification platform; the QR Code verification platform sends the smart mobile device The order information is calculated by the algorithm to obtain a verification code, and the verification code and the security code sent by the smart mobile device are correct, and the order information and the transaction account information are transmitted to the payment platform; and The payment platform transmits the order information and the transaction account information to a financial institution platform, and the financial institution platform performs authorized payment transactions according to the order information and the transaction account information. A dynamic check type scanning code payment system includes: a payment platform that receives an order information and a security code, and compiles the order information and the security code to become a transaction information QR Code; a QR Code verification platform that receives The order information transmitted by the payment platform is calculated by an algorithm to obtain the security code, and the security code is transmitted to the payment platform; and a terminal device receives the QR code of the transaction information transmitted by the payment platform. And display the QR Code of the transaction information. If the system of item 5, the order information includes a transaction amount, a transaction date, an order number, and a store code. The system of claim 5, wherein the terminal device conducts online transactions with an e-commerce platform to generate the order information on the e-commerce platform, and the e-commerce platform sends the order information to the payment platform. For example, the system of claim 5, wherein the QR Code verification platform receives the order information, the security code, and a transaction account information sent by a smart mobile device, performs calculations with the algorithm to obtain a verification code, and verifies the verification code. After the verification code and the security code sent by the smart mobile device are correct, the order information and the transaction account information are transmitted to the payment platform. The smart mobile device scans the transaction information QR Code displayed on the terminal device, and Decode the transaction information QR Code into the order information and the security code. If the system of claim 8, wherein the payment platform transmits the order information and the transaction account information transmitted by the QR Code verification platform to a financial institution platform, the financial institution platform may use the order information and the transaction account information Conduct authorized payment transactions. A computer-readable recording medium that stores a program. When the system of the dynamic check-type scanning code payment is loaded into the program and executed by the computer-readable recording medium, it can complete any of the items 1 to 4 One way. A computer program product that stores a program. When the system of the dynamic check type scan code payment is loaded into the computer program product and executed, the method of any one of the items 1 to 4 can be completed.