TWI748630B - Two-dimensional bar code payment method based on mobile phone business card and its payment system, computer readable storage medium and computer equipment - Google Patents

Abstract

The invention relates to a two-dimensional bar code payment method based on a mobile phone business card, a payment system, a computer readable storage medium and a computer device. The payment method is implemented by a payment system and a mobile phone business card system, and includes: a request receiving step; a mapping establishment step; a distribution step; an account acquisition step; and a binding step. As a result, the binding of bank card information and user business cards can be realized. According to the mobile phone business card-based two-dimensional barcode payment method and the mobile phone business card two-dimensional barcode payment system of the present invention, compared with the traditional two-dimensional barcode card binding activation, the card binding work does not require the user to download the client program, and does not need to use Users input bank card information, greatly reducing user operation time, lowering the threshold for tying cards, and increasing willingness to use.

Description

Two-dimensional bar code payment method based on mobile phone business card and its payment system, computer readable storage medium and computer equipment

The present invention relates to computer technology, in particular to a two-dimensional barcode payment method based on a mobile phone business card, a two-dimensional barcode payment system based on a mobile phone business card, a computer readable storage medium and a computer device.

Generally, when a mobile phone implements account QR code payment, it is necessary to download and install a mobile phone client program that supports payment. Before payment, the card needs to be tied to the client program to enable the QR code payment function, and the client program needs to be opened when using it. The entire process requires a certain amount of operation and time. Specifically, the general current mobile phone QR code scanning transaction technology includes three processes: client program binding card activation, application for a QR code, and acceptance of a QR code.

1. Client program binding card activation process When using it for the first time, the user installs a mobile phone client program that supports two-dimensional barcode transactions and binds the card to open the two-dimensional barcode business. The user use process is as follows: 1) The user downloads and installs a mobile client program that supports two-dimensional barcode transactions; 2) In the client program, register or enter account information to log in to the client program; and 3) Enter the bank card information, complete the binding, and open the QR code payment service.

2. The process of applying for a QR code After activation, every time you use it, open the mobile phone client program and apply for a QR code for payment. The user use process is as follows: 1) The user opens a mobile phone client program that supports two-dimensional barcodes on the mobile phone; 2) Click to be scanned to pay, verify user information or payment information, and display a two-dimensional bar code.

3. Process of accepting two-dimensional barcodes 1) The user sends the payment QR code to the cashier of the store; 2) The store acquiring system uploads the QR code to the payment system to complete the transaction.

There are the following shortcomings in the existence of such prior art:

(1) The activation of QR code depends on the mobile phone client program The user needs to download the client program and register the user account for the first time, which will cause a certain time cost and operation cost for new users to attract customers. For older users, or user groups that are sensitive to downloading and registering, it will cause a certain experience impact or loss of users.

(2) Rely on the bank card when the two-dimensional barcode is tied to the card When tying the card, the bank card information needs to be entered. Generally, the user needs to take out the bank card. If the user does not carry the card, it will cause inconvenience and affect the success rate of activation.

(3) Two-dimensional barcode binding card is a centralized card binding processing The systems are connected in a central system, and each system operates independently. If a single system is abnormal, it may cause confusion in the binding information and difficulty in tracing.

(4) Two-dimensional barcode application and acceptance depend on the mobile phone client program The mobile client program needs to verify user information or payment information, determine the risk situation, display a two-dimensional bar code, and complete the transaction. In the process, the security guarantee is provided by the client program, which undertakes tasks such as user identification, safe data storage and transmission, etc., which is more complicated to achieve.

In view of the foregoing problems, the present invention aims to provide a two-dimensional barcode payment method based on mobile phone business cards and a two-dimensional barcode payment system based on mobile phone business cards that can simplify user operations.

The two-dimensional barcode payment method based on mobile phone business cards in one aspect of the present invention is implemented by a payment system and a mobile phone business card system, and includes the following steps: In the request receiving step, the payment system receives a binding request, where the binding request includes bank card information, mobile phone number, and device information; In the mapping establishment step, the payment system generates an account feedback code corresponding to the bank card information (in addition to the bank card information here, it can also be other account information, the bank card information is used as an example for explanation) based on the binding request, and at the same time Create a first mapping table of account feedback codes, bank card information, mobile phone numbers, and device information; In the distribution step, the payment system sends the account feedback code to the mobile phone business card system according to the device information; In the account acquisition step, the mobile business card system requests bank card information from the payment system based on the account feedback code, and the mobile business card system obtains the bank card information and mobile phone number corresponding to the account feedback code from the payment system; and In the binding step, the mobile phone business card system matches the obtained mobile phone number with a pre-stored second mapping table indicating the correspondence between the mobile phone number and the user's business card, and realizes the binding of the bank card information and the user's business card.

Among them, the account feedback code corresponding to the account information includes not only the system code and token used to replace the account information, but also any other information form that can replace the account information. Even, the account feedback code of the account information can also be the account information itself .

Optionally, after the binding step, it further includes: In the two-dimensional barcode acquisition step, the mobile phone business card system initiates a two-dimensional barcode acquisition request to the payment system, where the two-dimensional barcode acquisition request includes bank card information bound to the user's business card, and returns from the payment system corresponding to the bank card information Payment QR code.

Optionally, after the step of obtaining the two-dimensional barcode, the method further includes: In the two-dimensional barcode acceptance step, the mobile business card system pushes the acquired two-dimensional barcode to the user, and completes the payment acceptance based on the corresponding bank card information based on the two-dimensional barcode.

Optionally, in the mapping establishment step, the payment system generates a Token corresponding to bank card information as the account feedback code based on the binding request, and generates a TokenRefID corresponding to the Token, and at the same time in the first Establish the correspondence between bank card information, Token, TokenRefID, mobile phone number, and device information in the mapping table; In the distribution step, the payment system sends the TokenRefID to the mobile phone business card system according to the device information, In the account acquisition step, the mobile phone business card system requests a Token from the payment system based on the TokenRefID, and the mobile phone business card system obtains the Token and the mobile phone number corresponding to the TokenRefID from the payment system. In the binding step, matching is performed based on the second mapping table and the binding of the Token and the user's business card is realized.

Optionally, after the binding step, it further includes: In the two-dimensional barcode acquisition step, the mobile phone business card system initiates a two-dimensional barcode acquisition request to the payment system, where the two-dimensional barcode acquisition request includes the Token bound to the user’s business card, and the payment system returns the payment two-dimensional code corresponding to the Token from the payment system Barcode.

Optionally, after the step of obtaining the two-dimensional barcode, the method further includes: In the two-dimensional barcode acceptance step, the mobile business card system pushes the obtained payment two-dimensional barcode to the user, and completes the payment acceptance based on the payment two-dimensional barcode.

Optionally, in the distribution step, the payment system sends the TokenRefID to the mobile phone business card system in a point-to-point manner.

Optionally, in the distributing step, the payment system sends the TokenRefID to the mobile phone business card system through the blockchain.

Optionally, the account acquisition step includes the following sub-steps: The mobile phone business card system uses asymmetric encryption to request Token from the payment system with TokenRefID; The payment system obtains the corresponding Token and the mobile phone number according to the TokenRefID according to the first mapping table, encrypts them in asymmetric manner, and returns to the mobile phone business card system; and The mobile phone business card system decrypts the Token and mobile phone number.

Optionally, the following sub-steps are included in the binding step: The mobile phone business card system matches the obtained mobile phone number with the second mapping table; Bind the user's business card that matches the mobile phone number with the obtained Token; and The binding result is fed back to the payment system.

Optionally, the step of acquiring the two-dimensional barcode includes the following sub-steps: The mobile phone business card system verifies the consistency of the current device’s SIM card number and mobile phone number; In the case of passing the verification, initiate a two-dimensional barcode acquisition request to the payment system with the Token and mobile phone number bound to the user's business card; and The payment system verifies the consistency between the Token and the mobile phone number based on the two-dimensional barcode acquisition request, and returns the payment two-dimensional barcode corresponding to the Token to the mobile business card system if the verification is passed.

Optionally, in the two-dimensional barcode acceptance step, an auxiliary verification for the mobile phone user to perform verification is further set before the payment acceptance is completed.

The two-dimensional barcode completes the payment acceptance based on the corresponding bank card information.

Optionally, in the mapping establishment step, the payment system generates a system code corresponding to bank card information as the account feedback code based on the binding request, and generates a system code feedback code corresponding to the system code, and at the same time The corresponding relationship among bank card information, system code, system code feedback code, mobile phone number, and device information is further established in the first mapping table; In the distribution step, the payment system sends the system encoding feedback code to the mobile phone business card system according to the device information, In the account acquisition step, the mobile business card system requests a system code from the payment system based on the system code feedback code, and the mobile business card system obtains the system code and mobile phone number corresponding to the system code feedback code from the payment system, In the binding step, matching is performed based on the second mapping table and the binding of the system code and the user's business card is realized.

Optionally, after the binding step, it further includes: In the two-dimensional barcode acquisition step, the mobile phone business card system initiates a two-dimensional barcode acquisition request to the payment system, where the two-dimensional barcode acquisition request includes the system code bound to the user’s business card, and the payment system returns the payment corresponding to the system code QR code.

Optionally, after the step of obtaining the two-dimensional barcode, the method further includes: In the two-dimensional barcode acceptance step, the mobile business card system pushes the obtained payment two-dimensional barcode to the user, and completes the payment acceptance based on the payment two-dimensional barcode.

The two-dimensional barcode payment method based on mobile phone business cards in one aspect of the present invention includes the following steps: The request receiving step is to receive a binding request, wherein the binding request includes bank card information, mobile phone number, and device information; The mapping establishment step is to generate an account feedback code corresponding to the bank card information based on the binding request, and at the same time establish a first mapping table of bank card information, account feedback code, mobile phone number, and device information; In the distribution step, the account feedback code is sent to the outside according to the device information; The account providing step is to receive a request for bank card information based on the account feedback code from the outside, query the bank card information and mobile phone number corresponding to the account feedback code based on the request, and send it to the outside.

Optionally, after the account providing step, the method further includes: The step of providing a two-dimensional bar code is to receive a two-dimensional bar code acquisition request from the outside, where the two-dimensional bar code acquisition request includes the bank card information and mobile phone number bound to the user’s business card, wherein the user’s business card is based on the mobile phone number and the bank card Information binding, according to the bank card information and mobile phone number to provide external payment QR code.

Optionally, after the step of providing the two-dimensional barcode, the method further includes: In the two-dimensional barcode acceptance step, the payment two-dimensional barcode is received from the outside, and the payment acceptance based on the corresponding bank card information is completed based on the payment two-dimensional barcode.

Optionally, in the mapping establishment step, a Token corresponding to bank card information is generated as the account feedback code based on the binding request, and a TokenRefID corresponding to the Token is generated, and at the same time in the first mapping table Further establish the correspondence between bank card information, Token, TokenRefID, mobile phone number and device information, In the distribution step, the TokenRefID is sent to the outside according to the device information, In the account providing step, a request for a Token based on the TokenRefID is received from the outside, and the Token and mobile phone number corresponding to the TokenRefID are inquired based on the request and sent to the outside.

Optionally, after the account providing step, the method further includes: The two-dimensional barcode providing step is to receive a two-dimensional barcode acquisition request from the outside, wherein the two-dimensional barcode acquisition request includes the Token and mobile phone number bound to the user's business card, wherein the user's business card is bound to the Token based on the mobile phone number, According to the Token and mobile phone number, a payment QR code is provided to the outside.

Optionally, after the step of providing the two-dimensional barcode, it further includes: In the two-dimensional barcode acceptance step, the payment two-dimensional barcode is received from the outside, and the payment acceptance is completed based on the payment two-dimensional barcode.

Optionally, in the distribution step, the TokenRefID is sent to the outside in a point-to-point manner.

Optionally, in the distributing step, the TokenRefID is sent to the outside through the blockchain.

Optionally, in the two-dimensional barcode acceptance step, an auxiliary verification for the mobile phone user to perform verification is further set before the payment acceptance is completed.

The two-dimensional barcode payment system based on mobile phone business cards of the present invention includes: a payment system and a mobile phone business card system, Among them, the payment system includes: Payment core system for execution and payment functions; Token system for generating and managing Token; A block chain node module used as a block chain node to realize information interaction with the mobile phone business card system, The mobile phone business card system is used to interact with the payment system and realize the binding of the user's business card based on the Token.

Optionally, the payment core system is configured to receive a binding request, wherein the binding request includes bank card information, mobile phone number, and device information, The Token system is used to generate corresponding Token and TokenRefID according to the binding request and establish a first mapping table of bank card information, Token, TokenRefID, mobile phone number, and device information, The blockchain node module sends the TokenRefID to the mobile phone business card system corresponding to the mobile phone brand according to the device information, After the mobile phone business card system obtains the TokenRefID, it requests the payment system to obtain the Token based on the TokenRefID, The Token system returns the corresponding Token and the bank’s reserved mobile phone number to the mobile phone business card system according to the request from the mobile phone business card system, The mobile phone business card system binds the Token with the user's business card based on obtaining the Token and the bank's reserved mobile phone number.

Optionally, the mobile phone business card system is configured to request payment of a two-dimensional barcode from the payment system based on the Token bound to the user's business card, The Token system generates the Token and the corresponding payment two-dimensional barcode according to the request from the mobile phone business card system and returns it to the mobile phone business card system.

Optionally, the mobile phone business card system is used to provide the payment QR code to the user's mobile phone, The Token system obtains bank card information corresponding to the Token according to the payment two-dimensional barcode, and the payment core system is used to complete the acceptance based on the bank card information.

Optionally, the blockchain node module sends the TokenRefID to the mobile phone business card system through the blockchain.

The payment system of the present invention includes: Payment core system for execution and payment functions; Token system for generating and managing Token; and A block chain node module used as a block chain node to realize information interaction with the outside.

Optionally, the payment core system is configured to receive a binding request, wherein the binding request includes bank card information, mobile phone number, and device information, The Token system is used to generate corresponding Token and TokenRefID according to the binding request and establish a first mapping table of bank card information, Token, TokenRefID, mobile phone number, and device information, The blockchain node module sends the TokenRefID to the external mobile phone business card system corresponding to the mobile phone brand according to the device information, After the mobile phone business card system obtains the TokenRefID, it requests the payment system to obtain the Token based on the TokenRefID, The Token system returns the TokenRefID and the corresponding Token and bank-reserved mobile phone number to the external mobile phone business card system according to a request from an external mobile phone business card system to obtain a Token based on the TokenRefID, wherein the Token is associated with the user's business card Binding.

Optionally, the payment core system generates the Token and the corresponding payment two-dimensional barcode according to a request from an external mobile phone business card system.

The two-dimensional barcode payment system based on mobile phone business cards of the present invention includes: a payment system and a mobile phone business card system, Wherein, the payment system includes: Payment core system, used to realize payment functions; System coding system, used to realize the generation and management of system coding; and The block chain node module is based on block chain technology to complete the information interaction with the mobile phone business card system, The mobile phone business card system is used to interact with the payment system and bind a user's business card based on the above system code.

Optionally, the payment core system is configured to receive a binding request, wherein the binding request includes bank card information, mobile phone number, and device information, The system coding system is used to generate the corresponding system code and system code feedback code according to the binding request and establish a first mapping table of bank card information, system code, system code feedback code, mobile phone number, and device information, The block chain node module sends the system encoding feedback code to the mobile phone business card system corresponding to the device information according to the device information, After the mobile phone business card system obtains the system code feedback code, it requests the payment system to obtain the system code based on the system code feedback code, The system encoding system returns the corresponding system code and bank phone number reserved to the mobile phone business card system according to the request from the mobile phone business card system, The mobile phone business card system binds the system code with the user's business card based on obtaining the system code and the bank's reserved mobile phone number.

Optionally, the mobile phone business card system is configured to request a payment two-dimensional barcode from the payment system based on the system code bound to the user's business card, According to the request from the mobile phone business card system, the payment core system generates a system code and a corresponding payment two-dimensional barcode and returns to the mobile phone business card system.

Optionally, the mobile phone business card system is used to provide the payment QR code to the user's mobile phone, The system coding system obtains bank card information corresponding to the system code according to the payment two-dimensional barcode, and the payment core system is used to complete the acceptance based on the bank card information.

Optionally, the blockchain node module sends the system encoding feedback code to the mobile phone business card system in a blockchain manner.

The payment system of the present invention includes: Payment core system, used to realize payment functions; System coding system, used to realize the generation and management of system coding; and The block chain node module is based on block chain technology to complete the information interaction with the external mobile phone business card system.

Optionally, the payment core system is configured to receive a binding request, wherein the binding request includes bank card information, mobile phone number, and device information, The system coding system is used to generate the corresponding system code and system code feedback code according to the binding request and establish a first mapping table of bank card information, system code, system code feedback code, mobile phone number, and device information, The block chain node module sends the system encoding feedback code to the external mobile phone business card system corresponding to the device information according to the device information, The system coding system returns the corresponding system code and bank phone number reserved to the external mobile phone business card system according to the request from the external mobile phone business card system.

Optionally, the blockchain node module sends the system encoding feedback code to the external mobile phone business card system through the blockchain.

The computer-readable storage medium of the present invention has a computer program stored thereon, When the computer program is executed by the processor, the two-dimensional barcode payment method based on the mobile phone business card is realized.

The computer equipment of the present invention includes a storage module, a processor, and a computer program that is stored on the storage module and can run on the processor. When the processor executes the computer program, the above-mentioned two-dimensional mobile phone business card-based Barcode payment method.

The two-dimensional barcode payment method based on mobile phone business cards and the two-dimensional barcode payment system based on mobile business cards are compared with the traditional two-dimensional barcode binding card activation. Under the premise of ensuring safety, the card binding work does not require the user to download the client program. Users are required to input bank card information, which greatly reduces user operation time.

The two-dimensional barcode payment method based on mobile business cards and the two-dimensional barcode payment system based on mobile business cards, compared with the traditional two-dimensional barcode application and acceptance, do not need to download the mobile phone client program, reduce the dependence on the mobile phone client program, and there is no user The end program can also be paid, reducing the cost of two-dimensional barcode transaction implementation and improving implementation efficiency.

The two-dimensional barcode payment method based on mobile phone business cards and the two-dimensional barcode payment system based on mobile business cards use blockchain technology to increase the security of card activation, establish mutual trust between the mobile business card system and the payment system, as well as the traceability and impossibility. Denial, strengthen transaction security and risk prevention and control.

The two-dimensional barcode payment method based on mobile phone business cards and the two-dimensional barcode payment system based on mobile business cards, through the comparison and verification of mobile business cards, SIM mobile phone numbers, and bank phone numbers reserved, without the need for user identification in traditional client programs , To avoid the systemic risks that may be caused by traditional mobile phone client programs due to its own reasons.

Introduced below are some of the multiple embodiments of the present invention, intended to provide a basic understanding of the present invention. It is not intended to confirm the key or decisive elements of the present invention or limit the scope of protection.

For brevity and illustrative purposes, this document mainly refers to its exemplary embodiments to describe the principles of the present invention. However, those skilled in the art will readily recognize that the same principle can be equally applied to all types of mobile phone business card-based two-dimensional barcode payment methods and mobile phone business card-based two-dimensional barcode payment systems, and these can be implemented in them. The same principle and any such changes do not depart from the true spirit and scope of this patent application.

Moreover, in the following description, reference is made to the drawings, which illustrate specific exemplary embodiments. Electrical, mechanical, logical, and structural changes can be made to these embodiments without departing from the spirit and scope of the present invention. In addition, although the feature of the present invention is disclosed in combination with only one of several implementations/embodiments, if it may be desired and/or advantageous for any given or identifiable function, this feature can be combined with other implementations. One or more other features of the embodiment are combined. Therefore, the following description should not be considered in a limiting sense, and the scope of the present invention is defined by the scope of the appended patent application and its equivalents.

Terms such as "have" and "include" mean that in addition to units (modules) and modules that are directly and clearly stated in the specification and the scope of the patent application, the technical solution of the present invention does not exclude Or clearly stated the situation of other units (modules) and modules.

The first embodiment

First, the two-dimensional barcode payment method based on the mobile phone business card and the two-dimensional barcode payment system based on the mobile phone business card of the first embodiment of the present invention will be described.

In the following description, the description is based on a mobile phone business card. The mobile phone is only an embodiment of the invention to facilitate understanding, and the mobile phone can be replaced with any form of electronic terminal.

Fig. 1 is a flowchart showing a two-dimensional barcode payment method based on a mobile phone business card according to a first embodiment of the present invention. Figure 2 shows an example of a two-dimensional bar code display of a mobile phone business card.

The two-dimensional barcode payment method based on the mobile phone business card of the first embodiment can be roughly divided into three stages: the card binding phase, the two-dimensional barcode application stage, and the two-dimensional barcode acceptance stage. Next, the three stages will be explained separately.

First, explain the activation phase of the tied card.

The card binding activation stage includes steps S101 to S105 in FIG. 1.

Step S101: The banking system initiates an activation to the payment system.

Specifically, the user chooses to activate the mobile business card payment function when handling bank card business at bank locations or through various channels such as mobile banking and online banking. The bank system initiates a mobile business card QR code activation request to the payment system, including bank card information (in addition to bank card information, it can also be other account information, the following uses bank card information as an example), mobile phone number, and device Information (for example, user's mobile phone brand), etc. Generally, an optional method is that the request message encrypts and signs the above-mentioned information, and the payment system verifies the above-mentioned information and decrypts to obtain the data.

Step S102: The payment system tokenizes the bank card.

Specifically, the payment system tokenizes the bank card, generates Token (can be called: token) and TokenRefID (can be called: token feedback identification code or token feedback identification code), and returns the token to the banking system. At the same time, a first mapping table of the corresponding relationship between bank card, Token, TokenRefID, mobile phone number, equipment information and other information is established.

Step S103: The payment system sends the TokenRefID to the mobile phone business card system through the blockchain.

Specifically, the payment system and the mobile business card system use the blockchain technology of the alliance chain for information interaction, and establish and strengthen mutual security and mutual trust. The specific method is:

(1) The payment system and each mobile phone business card system are the member nodes of the alliance chain, and the alliance members reach consensus through the multi-center mutual trust of the blockchain. Each member node corresponds to a mobile phone business card system of a certain (or multiple) mobile phone brands, and has its own node address.

(2) The payment system sends the TokenRefID to the node address of the mobile phone business card system corresponding to the device information (such as mobile phone brand) according to the node address, and sends confirmation on the alliance chain. After all the nodes on the chain have confirmed, the sending is completed. At this time, TokenRefID belongs to a certain node (mobile phone business card system) to obtain a consensus, and each node has a record. It helps to trace back and clarify the mobile business card system that the TokenRefID (corresponding to Token) is activated and belongs to in the future.

Step S104: The mobile phone business card system obtains the Token.

The mobile phone business card system uses asymmetric encryption to request a Token from the payment system with TokenRefID and its own public key, with signature data attached. The payment system verifies the signature, uses the public key of the mobile phone business card system to encrypt the Token and the mobile phone number reserved by the bank, attaches its own public key, and returns the signature to the other party. After the mobile phone business card system performs signature verification and decryption, it obtains the Token and the mobile phone number reserved by the bank.

Step S105: Token is bound to the mobile phone business card system.

Specifically, the mobile phone business card system matches users whose mobile phone number and mobile device SIM card number are the same as the mobile phone number reserved by the bank among the associated mobile phone users. Bind the Token with the user's business card. After the binding is completed, the mobile phone business card system returns the binding result to the payment system, and the payment system returns to the banking system.

Next, the two-dimensional barcode application stage is explained.

The 2D barcode application stage includes step S106 and step S107 in the figure.

Step S106: When the user uses the mobile phone device to open (address book) my business card, and uses the mobile phone business card system to initiate a two-dimensional bar code acquisition request, the mobile phone business card system verifies the consistency between the current device SIM card number and the reserved mobile phone number to The Token bound to the business card requests a payment two-dimensional barcode from the payment system (wherein, if a user device has multiple SIM cards, any SIM card can meet the conditions).

Step S107: The payment system receives the Token and the reserved mobile phone number sent by the mobile phone business card system, and verifies the consistency between the Token and the reserved mobile phone number. If the verification is successful, the payment system generates the Token and the reserved mobile phone number. The corresponding payment QR code is returned to the mobile phone business card system.

Finally, explain the acceptance stage of the two-dimensional barcode.

The acceptance stage of the two-dimensional barcode includes step S108 in FIG. 1.

Step S108: The mobile phone business card system pushes the payment QR code to the user's mobile device (not shown), and displays it in the address book My Business Card (such as displaying the payment QR code next to the avatar, see Figure 2) , The store scans the payment QR code and uploads it to the payment system through the acquirer. The payment system obtains the corresponding bank card information and completes the acceptance based on the corresponding relationship between the payment QR code and the Token and the reserved mobile phone number.

In addition, the mobile phone business card two-dimensional bar code display shown in Figure 2 is only an example. The two-dimensional bar code can also be located in the lower part of the figure or other positions. There is no restriction on the way of displaying the two-dimensional bar code, as long as it matches the mobile phone business card. The binding will fall into the protection scope of the present invention.

3 is a schematic diagram showing the two-dimensional barcode application phase and the acceptance phase in the two-dimensional barcode payment method based on a mobile phone business card according to the first embodiment of the present invention.

As shown in Figure 3, according to the mobile phone business card-based two-dimensional barcode payment method according to the first embodiment of the present invention, when a mobile phone user sends a payment request to the mobile phone business card system, the mobile phone business card system will make the payment request (including Token and reserved mobile phone). Number) sent to the payment system, the payment system returns the payment QR code to the mobile business card system (the payment system generates a payment QR code corresponding to the Token and the reserved mobile phone number according to the Token and the reserved mobile phone number), the mobile business card system The payment QR code is returned to the mobile phone user, so that on the user’s mobile phone, for example, "Payment QR Code" will be displayed in the column of my business card, and the store sends a payment completion request to the payment system after scanning the payment QR code ( Among them, the payment system obtains the payment two-dimensional barcode, obtains corresponding bank card information according to the corresponding relationship between the payment two-dimensional barcode, the Token and the reserved mobile phone number, and completes the payment deduction based on the bank card information).

4 is a block diagram showing the structure of a mobile phone business card-based two-dimensional barcode payment system according to the first embodiment of the present invention.

As shown in FIG. 4, the mobile phone business card-based two-dimensional barcode payment system according to the first embodiment of the present invention includes: a payment system 100 and a mobile phone business card system 200.

Among them, the payment system 100 includes: a payment core system 110, a Token system 120, and a blockchain node module 130. The payment core system 110 performs various functions related to payment, and the Token system 120 performs various functions related to the generation and management of Token. The blockchain node module 130 completes the information interaction with the mobile phone business card system 200 based on the blockchain technology.

The mobile phone business card system 200 includes a mobile phone business card system A, a mobile phone business card system B, ... a plurality of mobile phone business card systems of the mobile phone business card system M. These mobile phone business card systems A~M can be classified according to device information, for example, they can be classified according to mobile phone brand, and set up multiple according to various device information of the mobile phone operating main system type.

Wherein, the payment core system 110 is configured to receive a binding request from a banking system, where the binding request includes bank card information, reserved mobile phone number, device information and other information. These binding requests can be submitted to the bank core system through mobile banking, online banking, WeChat banking, bank counters, etc., and the bank core system sends a request for activation of the mobile phone business card two-dimensional barcode function to the payment system 100.

The Token system 120 is used to generate corresponding Token and TokenRefID according to the binding request and establish the mapping relationship between bank card information (such as bank card number), Token, TokenRefID, reserved mobile phone number, and device information (such as mobile phone brand). This mapping relationship is referred to as the first mapping table in the text.

Further, the blockchain node module 130 can be regarded as a part of the payment system 100 as a node of the blockchain, or can represent the entire payment system 100 as a node of the blockchain. The TokenRefID is sent from the payment system 100 to the mobile phone business card system 200 through the blockchain node module 130. Specifically, the payment system 100 itself or the blockchain node module 130, and each of the mobile phone business card systems A to M all serve as member nodes of the alliance chain, and the alliance members reach consensus through the multi-center mutual trust of the blockchain. Each member node corresponds to a mobile phone business card system of a certain (or multiple) mobile phone brands, and has its own node address. For example, in Figure 4, the node address of the payment node module 130 is mobilesystemnode00, and the mobile phone business card system A, The node addresses of the mobile phone business card system B and the mobile phone business card system M are mobilesystemnodeA, mobilesystemnodeB,...mobilesystemnodeM, respectively.

The block chain node module 130 sends the TokenRefID to the node addresses of the mobile phone business card system A~M corresponding to the device information (such as the mobile phone brand) according to the device information, and sends the confirmation on the alliance chain. After all the nodes on the chain have confirmed , Complete sending. At this time, the TokenRefID belongs to a certain node (mobile phone business card system 200) to obtain a consensus, and each node has a record.

After the mobile phone business card system 200 obtains the TokenRefID, it uses asymmetric encryption to request the payment system 100 to obtain the Token with the TokenRefID and its own public key, with signature data attached.

The Token system 120 of the payment system 100 verifies the signature, uses the public key of the mobile phone business card system 200 to encrypt the Token and the bank’s reserved mobile phone number, attaches its own public key and signs, and returns it to the mobile phone business card system 200.

After the mobile phone business card system 200 performs signature verification and decryption, it obtains a Token and a mobile phone number reserved by the bank. The mobile phone business card system 200 matches users whose mobile phone number and mobile device SIM card number of the associated mobile phone user are the same as the mobile phone number reserved by the bank. The mobile phone business card system 200 binds the Token to the user's business card. After the binding is completed, the mobile phone business card system 200 returns the binding result to the payment system 100, and the payment system 100 then returns the result to the banking system.

When a user uses a mobile phone device to open (address book) my business card, and then uses the mobile phone business card system 200 to initiate a two-dimensional barcode acquisition request, the mobile phone business card system 200 verifies the consistency between the current device SIM card number and the reserved mobile phone number, and If the verification is passed, the Token bound to the business card is used to request the payment system 100 to make a payment with a two-dimensional barcode.

In the two-dimensional barcode application phase, the Token system 120 of the payment system 100 receives the Token and the reserved mobile phone number sent by the mobile phone business card system 200, and verifies the consistency of the Token and the reserved mobile phone number. In the case of successful verification, The Token system 120 of the payment system 100 generates a payment two-dimensional barcode corresponding to the Token and the reserved mobile phone number and returns it to the mobile phone business card system 200.

Then, in the acceptance stage, the mobile phone business card system 200 pushes the payment QR code to one of the mobile phone user 1, mobile phone user 2, and mobile phone user N. On the mobile phone user’s device, for example, in the address book "My It’s displayed in “Business Card” and the shop scans the payment QR code, and the payment QR code can be scanned by the shop. The store provides the payment QR code to the payment system 100 through the acquiring system. The Token system 120 of the payment system 100 obtains the corresponding bank card information according to the corresponding relationship between the payment QR code and the Token and the reserved mobile phone number, which is completed by the payment core system 110 Acceptance.

As described above, the two-dimensional barcode payment method based on mobile phone business cards and the two-dimensional barcode payment system based on mobile business cards according to the first embodiment of the present invention are compared with the traditional two-dimensional barcode binding card activation, under the premise of ensuring safety, The card binding work does not require the user to download the client program, and does not require the user to input bank card information, which greatly reduces the user's operation time, reduces the threshold for binding the card, and enhances the willingness to use.

Further, compared with the traditional two-dimensional barcode application and acceptance, the two-dimensional barcode payment method based on the mobile phone business card according to the first embodiment of the present invention does not need to download the mobile phone client program, reduces the dependence on the mobile phone client program, and has no client terminal. The program can also be paid, which can reduce the implementation cost of two-dimensional barcode transactions and improve implementation efficiency.

Furthermore, according to the two-dimensional barcode payment method based on mobile phone business cards and the two-dimensional barcode payment system for mobile business cards according to the first embodiment of the present invention, the blockchain technology is used to increase the security of binding card activation and establish a mobile business card system The mutual trust between 200 and the payment system 100, as well as traceability and non-repudiation, strengthen transaction security and risk prevention and control.

Still further, according to the mobile phone business card-based two-dimensional barcode payment method and the mobile phone business card two-dimensional barcode payment system according to the first embodiment of the present invention, the mobile phone business card, the SIM mobile phone number, the bank reserved mobile phone number are compared and verified, etc. In this way, there is no need for user identification of the traditional client program, which avoids the systemic risks that may be caused by the traditional mobile phone client program due to its own reasons.

Second embodiment

Next, a two-dimensional barcode payment method based on a mobile phone business card and a two-dimensional barcode payment system based on a mobile phone business card according to the second embodiment of the present invention will be described.

The difference between the mobile phone business card-based two-dimensional barcode payment method and the mobile phone business card-based two-dimensional barcode payment system of the second embodiment and the first embodiment is that it does not use the technology of tokenizing bank card information, but uses system encoding Replace Token, and replace TokenRefID with the system code feedback code.

Although the tokenization technology is not used in the second embodiment, the main flow is the same as that shown in Figure 1. Therefore, refer to Figure 1 for the second embodiment of the mobile phone business card-based two-dimensional barcode payment method. Be explained.

Similarly, the mobile phone business card-based two-dimensional barcode payment method of the second embodiment is also divided into three stages: the card binding phase, the two-dimensional barcode application stage, and the two-dimensional barcode acceptance stage.

First, explain the activation phase of the tied card.

The card binding activation stage includes steps S101 to S105 in FIG. 1.

Step S101: Initiate activation from the banking system to the payment system.

Specifically, the user chooses to activate the mobile business card payment function when handling bank card business at bank locations or through various channels such as mobile banking and online banking. The banking system initiates a mobile phone business card two-dimensional barcode activation request to the payment system, including bank card activation, mobile phone number reservation, user's mobile phone brand, etc.

Step S102: The payment system encodes the bank card.

Specifically, the payment system encodes the bank card, generates a system code and a system code feedback code, and returns the system code to the banking system. At the same time, establish the first mapping table of bank card, system code, system code feedback code, reserved cell phone number, cell phone brand and other information.

Step S103: The payment system sends the system code feedback code to the mobile phone business card system through the blockchain.

Step S104: the mobile phone business card system obtains the system code.

The mobile phone business card system uses asymmetric encryption to request the payment system for the system code with the system code feedback code and its own public key, and the signature data is attached. The payment system verifies the signature, uses the public key of the mobile phone business card system to encrypt the system code and the bank’s reserved mobile phone number, attaches its own public key and signature, and returns it to the other party. After the mobile phone business card system performs signature verification and decryption, it obtains the system code and the mobile phone number reserved by the bank.

Step S105: the system code is bound to the mobile phone business card system.

Specifically, the mobile phone business card system matches users whose personal business card mobile phone number and mobile phone device SIM card number are the same as the mobile phone number reserved by the bank among the associated mobile phone users. Bind the system code with the user's business card. After the binding is completed, the mobile phone business card system returns the binding result to the payment system, and the payment system returns to the banking system.

Next, the two-dimensional barcode application stage is explained.

Step S106: When the user opens (address book) my business card using the mobile phone device, and uses the mobile phone business card system to initiate a two-dimensional barcode acquisition request, the mobile phone business card system verifies the consistency between the current device SIM card number and the reserved mobile phone number, and then The system code bound to the business card requests a payment two-dimensional barcode from the payment system.

Step S107: The payment system receives the system code and reserved mobile phone number sent by the mobile phone business card system, verifies the consistency between the system code and the reserved mobile phone number, and in the case of successful verification, the payment system generates a code and pre-defined Leave the payment QR code corresponding to the mobile phone number and return to the mobile phone business card system.

Finally, explain the acceptance stage of the two-dimensional barcode.

Step S108: The mobile phone business card system pushes the payment QR code to the user's mobile phone device (not shown), and displays it in My Business Card in the address book. The store scans the payment QR code and uploads it to the payment system through the acquirer. The payment system obtains the corresponding bank card information and completes the acceptance according to the corresponding relationship between the payment two-dimensional barcode, the system code and the reserved mobile phone number.

According to the mobile phone business card-based two-dimensional barcode payment method of the second embodiment of the present invention, when a mobile phone user sends a payment request to the mobile phone business card system, the mobile phone business card system sends the payment request (including the system code and reserved mobile phone number) to the payment System, the payment system returns the payment QR code to the mobile phone business card system (where the payment system generates a payment QR code corresponding to the system code and reserved mobile phone number according to the system code and reserved mobile phone number), and the mobile phone business card system will pay two The dimensional barcode is returned to the mobile phone user, so that on the user’s mobile phone, for example, "Payment QR Code" will be displayed in the column of my business card. The system obtains the payment two-dimensional barcode, and obtains the corresponding bank card information according to the corresponding relationship between the payment two-dimensional barcode, the system code and the reserved mobile phone number, and completes the payment deduction based on the bank card information).

5 is a block diagram showing the structure of a two-dimensional barcode payment system based on a mobile phone business card according to a second embodiment of the present invention.

As shown in FIG. 5, the mobile phone business card-based two-dimensional barcode payment system according to the second embodiment of the present invention includes: a payment system 300 and a mobile phone business card system 400.

Among them, the payment system 300 includes: a payment core system 310, a system coding system 320, and a blockchain node module 330. The payment core system 310 performs various functions related to payment, and the system coding system 320 performs various functions related to the generation and management of system codes. The blockchain node module 330 completes the information interaction with the mobile phone business card system 400 based on the blockchain technology.

The mobile phone business card system 400 includes a plurality of mobile phone business card systems, such as a mobile phone business card system A, a mobile phone business card system B, and a mobile phone business card system M as shown in FIG. 5. These mobile phone business card systems A~M can be classified according to device information, for example, they can be classified according to mobile phone brand, and set up multiple according to various device information of the mobile phone operating main system type.

Wherein, the payment core system 310 is configured to receive a binding request from the banking system, where the binding request includes bank card information, reserved mobile phone number, device information and other information. These binding requests can be submitted to the bank core system through mobile banking, online banking, WeChat banking, bank counters, etc., and the bank core system sends a request for activation of the two-dimensional barcode function of the mobile phone business card to the payment system 300.

The system coding system 320 is used to generate the corresponding system code and system code feedback code according to the binding request and establish bank card information (such as bank card number), system code, system code feedback code, reserved mobile phone number and device information (such as Mobile phone brand) mapping relationship.

Furthermore, the blockchain node module 330 can be regarded as a part of the payment system 300 and as a node of the blockchain, or can represent the entire payment system 300 as a node of the blockchain. The system code feedback code is sent from the payment system 300 to the mobile phone business card system 400 through the blockchain node module 330. Specifically, the payment system 300 itself or the blockchain node module 330, and each of the mobile phone business card systems A to M all serve as the member nodes of the alliance chain, and the alliance members reach consensus through the multi-center mutual trust of the blockchain. Each member node corresponds to a mobile phone business card system A~M of a certain (or multiple) mobile phone brands, and has its own node address.

The block chain node module 330 sends the system code feedback code to the node addresses of the mobile phone business card system A~M corresponding to the mobile phone brand according to the device information, and sends confirmation on the alliance chain. After all the nodes on the chain have confirmed, it is completed send. At this time, the system coding feedback code belongs to a certain node (mobile phone business card system 400) to obtain a consensus, and each node has a record.

After the mobile phone business card system 400 obtains the system code feedback code, it uses asymmetric encryption to request the payment system 300 to obtain the system code with the system code feedback code and its own public key, with signature data attached.

The system encoding system 320 of the payment system 300 verifies the signature, uses the public key of the mobile phone business card system 400 to encrypt the system code and the bank’s reserved mobile phone number, attaches its own public key and signs and returns it to the mobile phone business card system 400.

After the mobile phone business card system 400 performs signature verification and decryption, it obtains the system code and the mobile phone number reserved by the bank. The mobile phone business card system 400 matches users whose mobile phone number and mobile phone device SIM card number of the associated mobile phone user are the same as the mobile phone number reserved by the bank. The mobile phone business card system 400 binds the system code to the user's business card. After the binding is completed, the mobile phone business card system 400 returns the binding result to the payment system 300, and the payment system 300 returns the result to the banking system.

When a user uses a mobile phone device to open (address book) my business card, and uses the mobile phone business card system 400 to initiate a two-dimensional barcode acquisition request, the mobile phone business card system 400 verifies the consistency of the current device SIM card number and the reserved mobile phone number, and If the verification is passed, the system code bound to the business card is used to request the payment system 300 to make a payment with a two-dimensional barcode.

In the two-dimensional barcode application phase, the system encoding system 310 of the payment system 300 receives the system code of the mobile phone business card system 400 and the reserved mobile phone number, verifies the consistency of the system code and the reserved mobile phone number, and in the case of successful verification The system encoding system 320 of the payment system 300 generates a payment two-dimensional barcode corresponding to the system encoding and the reserved mobile phone number and returns it to the mobile phone business card system 400.

In the acceptance stage, the mobile phone business card system 400 pushes the payment QR code to the mobile phone user, and displays it in the address book "My Business Card" on the mobile phone user's device. The store scans the payment QR code, and the payment is two-dimensional. The dimensional bar code can be scanned by the store. The store provides the payment two-dimensional barcode to the payment system 300 through the acquiring system. The system encoding system 320 of the payment system 300 obtains the corresponding bank card information according to the corresponding relationship between the payment two-dimensional barcode and the system code and the reserved mobile phone number. The payment core system 310 completes the acceptance based on the bank card information.

As described above, according to the second embodiment of the present invention, the mobile phone business card-based two-dimensional barcode payment method and the mobile phone business card two-dimensional barcode payment system, compared with the traditional two-dimensional barcode binding card activation, by converting the bank card information into The system code can guarantee security. Under this premise, the card binding work does not require the user to download the client program, and the user does not need to enter the bank card information. This greatly reduces the user's operation time, lowers the threshold for binding the card, and increases the willingness to use.

Furthermore, compared with the traditional two-dimensional barcode application and acceptance, the two-dimensional barcode payment method based on the mobile phone business card according to the second embodiment of the present invention does not need to download the mobile phone client program, reduces the dependence on the mobile phone client program, and has no client terminal. The program can also be paid, which can reduce the implementation cost of two-dimensional barcode transactions and improve implementation efficiency.

Furthermore, according to the second embodiment of the present invention, the mobile phone business card-based two-dimensional barcode payment method and the mobile phone business card two-dimensional barcode payment system, through the use of blockchain technology, increase the security of binding card activation, and establish a mobile business card system The mutual trust between 400 and the payment system 300, as well as traceability and non-repudiation, strengthen transaction security and risk prevention and control.

Furthermore, according to the second embodiment of the present invention, the mobile phone business card-based two-dimensional barcode payment method and the mobile phone business card two-dimensional barcode payment system are verified by the comparison of the mobile phone business card, the SIM mobile phone number, and the bank’s reserved mobile phone number, etc. In this way, there is no need for user identification of the traditional client program, which avoids the systemic risks that may be caused by the traditional mobile phone client program due to its own reasons.

The third embodiment

Next, a two-dimensional barcode payment method based on a mobile phone business card and a two-dimensional barcode payment system based on a mobile phone business card according to the third embodiment of the present invention will be described.

The difference between the mobile phone business card-based two-dimensional barcode payment method and the mobile phone business card-based two-dimensional barcode payment system of the third embodiment and the first embodiment is that the bank card information does not need to be tokenized, but the bank card information is directly used Proceed to the follow-up process.

Although the tokenization technology is not used in the third embodiment, the main flow is the same as that shown in Fig. 1. Therefore, refer to Fig. 1 for the mobile phone business card-based two-dimensional barcode payment method of the third embodiment. Be explained.

Similarly, the mobile phone business card-based two-dimensional barcode payment method of the third embodiment is also divided into three stages: the card binding phase, the two-dimensional barcode application stage, and the two-dimensional barcode acceptance stage.

First, explain the activation phase of the tied card.

The card binding activation stage includes steps S101 to S105 in FIG. 1.

Step S101: Initiate activation from the banking system to the payment system.

Specifically, the user chooses to activate the mobile business card payment function when handling bank card business at bank locations or through various channels such as mobile banking and online banking. The banking system initiates a mobile phone business card two-dimensional barcode activation request to the payment system, including opening bank card information, reserved mobile phone number, user's mobile phone brand, etc.

Step S102: The payment system generates a bank card feedback code corresponding to the bank card information according to the activation request, and saves the first mapping table of the correspondence between the bank card information, bank card feedback code, reserved mobile phone number, and mobile phone brand .

Step S103: The payment system sends the bank card feedback code to the mobile phone business card system through the blockchain.

Step S104: The mobile phone business card system obtains bank card information.

The mobile phone business card system uses asymmetric encryption to request bank card information from the payment system with the bank card feedback code and its own public key, with signature data attached. The payment system verifies the signature, uses the public key of the mobile business card system to encrypt the bank card information and the bank’s reserved mobile phone number, attaches its own public key and signature, and returns it to the mobile business card system. After the mobile phone business card system performs signature verification and decryption, it obtains the bank card information and the bank's reserved mobile phone number.

Step S105: Bind the bank card information to the mobile phone business card system.

Specifically, the mobile phone business card system matches users whose personal business card mobile phone number and mobile phone device SIM card number are the same as the mobile phone number reserved by the bank among the associated mobile phone users. Bind the bank card information with the user's business card. After the binding is completed, the mobile phone business card system returns the binding result to the payment system, and the payment system returns to the banking system.

Next, the two-dimensional barcode application stage is explained.

Step S106: When the user opens (address book) my business card using the mobile phone device, and uses the mobile phone business card system to initiate a two-dimensional barcode acquisition request, the mobile phone business card system verifies the consistency between the current device SIM card number and the reserved mobile phone number, and then The bank card information bound to the business card requests a payment QR code from the payment system.

Step S107: The payment system receives the bank card information and the reserved mobile phone number sent by the mobile phone business card system, verifies the consistency of the bank card information and the reserved mobile phone number, and in the case of successful verification, the payment system generates the same as the bank card The information and the payment QR code corresponding to the reserved mobile phone number are returned to the mobile phone business card system.

Finally, explain the acceptance stage of the two-dimensional barcode.

Step S108: The mobile phone business card system pushes the payment QR code to the user's mobile phone device (not shown), and displays it in My Business Card in the address book. The store scans the payment QR code and uploads it to the payment system through the acquirer. The payment system obtains the corresponding bank card information and completes the acceptance according to the corresponding relationship between the payment QR code, the bank card information and the reserved mobile phone number.

According to the mobile phone business card-based two-dimensional barcode payment method according to the third embodiment of the present invention, when a mobile phone user sends a payment request to the mobile phone business card system, the mobile phone business card system sends the payment request (including bank card information and reserved mobile phone number) to Payment system, the payment system returns a payment QR code to the mobile phone business card system (the payment system generates a payment QR code corresponding to the bank card information and reserved mobile phone number according to the bank card information and the reserved mobile phone number), mobile phone business card system The payment QR code is returned to the mobile phone user, so that on the user’s mobile phone, for example, "Payment QR Code" will be displayed in the column of my business card, and the store sends a payment completion request to the payment system after scanning the payment QR code ( Among them, the payment system obtains the payment two-dimensional barcode, obtains corresponding bank card information according to the corresponding relationship between the payment two-dimensional barcode, bank card information and reserved mobile phone number, and completes payment deduction based on the bank card information).

6 is a block diagram showing the structure of a two-dimensional barcode payment system based on a mobile phone business card according to a third embodiment of the present invention.

As shown in FIG. 6, the mobile phone business card-based two-dimensional barcode payment system according to the first embodiment of the present invention includes: a payment system 500 and a mobile phone business card system 600.

Among them, the payment system 500 includes: a payment core system 510 and a blockchain node module 520. The payment core system 510 completes various functions related to payment and various management functions related to bank card information. The blockchain node module 520 completes the information interaction with the mobile phone business card system 600 based on the blockchain technology.

The mobile phone business card system 600 includes a plurality of mobile phone business card systems, such as a mobile phone business card system A, a mobile phone business card system B, and a mobile phone business card system M as shown in FIG. 6. These mobile phone business card systems A~M can be classified according to device information, for example, they can be classified according to mobile phone brand, and set up multiple according to various device information of the mobile phone operating main system type. Here, the mobile phone business card system 600 can be configured to correspond to various types of mobile phone devices of one brand or multiple brands.

Wherein, the payment core system 510 is configured to receive a binding request from the banking system, where the binding request includes bank card information, reserved mobile phone number, device information, and other information.

The payment core system 510 is used to generate the bank card feedback code corresponding to the bank card information according to the binding request, and create bank card information (such as bank card number), bank card feedback code, reserved mobile phone number, and device information (such as mobile phone). Brand) mapping relationship.

Further, the blockchain node module 520 can be regarded as a part of the payment system 500, or can be a node of a blockchain representing the entire payment system 500. The bank card feedback code is sent from the payment system 500 to the mobile phone business card system 600 through the blockchain node module 520. Specifically, the payment system 500 itself or the blockchain node module 520, and each of the mobile phone business card systems A to M all serve as member nodes of the alliance chain, and the alliance members reach consensus through the multi-center mutual trust of the blockchain. Each member node corresponds to a mobile phone business card system A~M of a certain (or multiple) mobile phone brands, and has its own node address.

The block chain node module 520 sends the bank card feedback code to the node address of the mobile phone business card system corresponding to the mobile phone brand according to the device information, and confirms the sending on the alliance chain. After all the nodes on the chain confirm, the sending is completed. At this time, the bank card feedback code belongs to a certain node (mobile phone business card system 600) and it is agreed that each node has a record.

After the mobile phone business card system 600 obtains the bank card feedback code, it uses asymmetric encryption to request the payment system 500 for bank card information with the bank card feedback code and its own public key, with signature data attached.

The bank card information system of the payment system 500 verifies the signature, uses the public key of the mobile phone business card system 600 to encrypt the bank card information and the reserved mobile phone number, attaches its own public key and signs and returns it to the mobile phone business card system 600.

After the mobile phone business card system 600 performs signature verification and decryption, it obtains bank card information and reserves a mobile phone number. The mobile phone business card system 600 matches users whose mobile phone number and mobile device SIM card number of the associated mobile phone user are the same as the reserved mobile phone number. The mobile phone business card system 600 binds the bank card information with the user's business card. After the binding is completed, the mobile phone business card system 600 returns the binding result to the payment system 500, and the payment system 500 returns the result to the banking system.

When a user uses a mobile phone device to open (address book) my business card, and then uses the mobile phone business card system 600 to initiate a two-dimensional barcode acquisition request, the mobile phone business card system 600 verifies the consistency of the current device SIM card number and the reserved mobile phone number, and If the verification is passed, the bank card information bound to the business card is used to request the payment system 500 to make a payment with a two-dimensional barcode.

In the two-dimensional barcode application stage, the payment system 500 receives the bank card information of the mobile business card system 600 and the reserved mobile phone number, verifies the consistency of the bank card information and the reserved mobile phone number, and in the case of successful verification, the payment system 500 generates a payment two-dimensional barcode corresponding to the bank card information and the reserved mobile phone number and returns to the mobile phone business card system 600.

In the acceptance stage, the mobile phone business card system 600 pushes the payment QR code to the mobile phone user, and displays it in the address book "My Business Card" on the mobile phone user’s device. The store scans the payment QR code, and the payment is second. The dimensional bar code can be scanned by the store. The store provides the payment QR code to the payment system 500 through the acquiring system. The payment system 500 obtains the corresponding bank card information according to the corresponding relationship between the payment QR code and the bank card information and the reserved mobile phone number. The payment core system 510 is based on the bank card information. Card information is accepted.

As mentioned above, according to the mobile phone business card-based two-dimensional barcode payment method and the mobile phone business card two-dimensional barcode payment system according to the third embodiment of the present invention, the card binding work does not require the user to download the client program, and the user does not need to enter the bank. Card information greatly reduces user operation time, lowers the threshold for tying cards, and increases the willingness to use.

Furthermore, compared with the traditional two-dimensional barcode application and acceptance, the mobile phone business card-based two-dimensional barcode payment method according to the third embodiment of the present invention does not need to download the mobile phone client program, reduces the dependence on the mobile phone client program, and has no client terminal. The program can also be paid, which can reduce the implementation cost of two-dimensional barcode transactions and improve implementation efficiency.

Furthermore, according to the mobile phone business card-based two-dimensional bar code payment method and the mobile phone business card two-dimensional bar code payment system according to the third embodiment of the present invention, the blockchain technology is used to increase the security of binding card activation and establish a mobile phone business card system Mutual trust with the payment system, as well as traceability and non-repudiation, strengthen transaction security and risk prevention and control.

Still further, according to the third embodiment of the present invention, the mobile phone business card-based two-dimensional barcode payment method and the mobile phone business card two-dimensional barcode payment system are verified by the comparison of the mobile phone business card, the SIM mobile phone number, and the bank’s reserved mobile phone number, etc. In this way, there is no need for user identification of the traditional client program, which avoids the systemic risks that may be caused by the traditional mobile phone client program due to its own reasons.

Fourth embodiment

The difference between the mobile phone business card-based two-dimensional barcode payment method and the mobile phone business card-based two-dimensional barcode payment system of the fourth embodiment and the third embodiment is that the payment core system in the fourth embodiment does not exist alone, but makes the payment system The payment core system 710 in 700 itself has Token management capabilities and can execute the actions of the payment core system 710 in the fourth embodiment.

Although the Token system is not separately provided in the fourth embodiment, the main flow is basically the same as the flow shown in FIG. 1, and the description is omitted here.

Fig. 7 is a block diagram showing the structure of a two-dimensional barcode payment system based on a mobile phone business card according to a fourth embodiment of the present invention.

As shown in FIG. 7, the mobile phone business card-based two-dimensional barcode payment system according to the fourth embodiment of the present invention includes: a payment system 700 and a mobile phone business card system 800.

Among them, the payment system 700 includes: a payment core system 710 and a blockchain node module 720.

The payment core system 710 completes various functions related to payment and completes various functions related to Token generation and management. The blockchain node module 720 completes the information interaction with the mobile phone business card system 800 based on the blockchain technology.

The mobile phone business card system 800 includes a mobile phone business card system A, a mobile phone business card system B, ... a plurality of mobile phone business card systems A~M of the mobile phone business card system M. These mobile phone business card systems A~M can be classified according to device information, for example, they can be classified according to mobile phone brand, and set up multiple according to various device information of the mobile phone operating main system type.

Wherein, the payment core system 710 is configured to receive a binding request from the banking system, where the binding request includes bank card information, reserved mobile phone number, device information, and other information. These binding requests can be submitted to the bank's core system through mobile banking, online banking, WeChat banking, bank counters, etc., and the bank's core system sends the request for activation of the two-dimensional barcode function of the mobile phone business card to the payment system.

The payment core system 710 is used to generate the corresponding Token and TokenRefID according to the binding request and establish the mapping relationship between bank card information (such as bank card number), Token, TokenRefID, reserved mobile phone number, and device information (such as mobile phone brand). This mapping relationship is called the first mapping table.

Further, the blockchain node module 720 can be regarded as a part of the payment system 700 as a node of the blockchain, or can represent the entire payment system 700 as a node of the blockchain. The TokenRefID is sent from the payment system 700 to the mobile phone business card system 800 through the blockchain node module 720. Specifically, the blockchain node module 720 of the payment system 700 and each of the mobile phone business card systems A to M all serve as member nodes of the alliance chain, and the alliance members reach consensus through the multi-center mutual trust of the blockchain. The blockchain node module 720 sends the TokenRefID to the node address of the mobile phone business card system corresponding to the mobile phone brand according to the device information, and confirms the sending on the alliance chain. After all the nodes on the chain have confirmed, the sending is completed. At this time, the TokenRefID belongs to a certain node (mobile phone business card system 800) and a consensus is obtained, and each node has a record.

After the mobile phone business card system 800 obtains the TokenRefID, it uses asymmetric encryption to request the payment system 700 to obtain the Token with the TokenRefID and its own public key, with signature data attached.

The payment core system 710 verifies the signature, uses the public key of the mobile phone business card system 800 to encrypt the Token and the bank’s reserved mobile phone number, attaches its own public key and signs, and returns it to the mobile phone business card system 800.

After the mobile phone business card system 800 performs signature verification and decryption, it obtains a Token and a mobile phone number reserved by the bank. The mobile phone business card system 800 matches users whose mobile phone number and mobile device SIM card number of the associated mobile phone user are the same as the mobile phone number reserved by the bank. The mobile phone business card system 800 binds the Token to the user's business card. After the binding is completed, the mobile phone business card system 800 returns the binding result to the payment system 700, and the payment system 700 returns the result to the banking system.

When the user uses the mobile phone device to open (address book) my business card, and uses the mobile phone business card system 800 to initiate a two-dimensional barcode acquisition request, the mobile phone business card system 800 verifies the consistency of the current device SIM card number and the reserved mobile phone number, and If the verification is passed, the Token bound to the business card is used to request the payment system 700 to make a payment with a two-dimensional barcode.

In the two-dimensional barcode application stage, the payment core system 710 receives the Token sent from the mobile phone business card system and the reserved mobile phone number, and verifies the consistency between the Token and the reserved mobile phone number. If the verification is successful, the payment core system 710 The payment two-dimensional barcode corresponding to the Token and the reserved mobile phone number is generated and returned to the mobile phone business card system 800.

Then, at the acceptance stage, the mobile phone business card system 800 pushes the payment QR code to one of the mobile phone user 1, mobile phone user 2, and mobile phone user N. On the mobile phone user’s device, for example, in the address book "My It’s displayed in “Business Card” and the shop scans the payment QR code, and the payment QR code can be scanned by the shop. The store provides the payment two-dimensional barcode to the payment system 700 through the acquiring system. The payment core system 710 obtains corresponding bank card information according to the corresponding relationship between the payment two-dimensional barcode, the Token and the reserved mobile phone number, and the payment core system 710 completes the acceptance.

As described above, according to the fourth embodiment of the present invention, the mobile phone business card-based two-dimensional barcode payment method and the mobile phone business card two-dimensional barcode payment system, compared with the traditional two-dimensional barcode binding card activation, under the premise of ensuring safety, The card binding work does not require the user to download the client program, and does not require the user to input bank card information, which greatly reduces the user's operation time, reduces the threshold for binding the card, and enhances the willingness to use.

Furthermore, compared with the traditional two-dimensional barcode application and acceptance, the mobile phone business card-based two-dimensional barcode payment method according to the fourth embodiment of the present invention does not need to download the mobile phone client program, reduces the dependence on the mobile phone client program, and has no client terminal. The program can also be paid, which can reduce the implementation cost of two-dimensional barcode transactions and improve implementation efficiency.

Furthermore, according to the mobile phone business card-based two-dimensional barcode payment method and the mobile phone business card two-dimensional barcode payment system according to the fourth embodiment of the present invention, the blockchain technology is used to increase the security of card binding and establish a mobile business card system Mutual trust with the payment system, as well as traceability and non-repudiation, strengthen transaction security and risk prevention and control.

Still further, according to the fourth embodiment of the present invention, the mobile phone business card-based two-dimensional barcode payment method and the mobile phone business card two-dimensional barcode payment system are verified by the comparison of the mobile phone business card, the SIM mobile phone number, and the bank reserved mobile phone number, etc. In this way, there is no need for user identification of the traditional client program, which avoids the systemic risks that may be caused by the traditional mobile phone client program due to its own reasons.

Furthermore, according to the mobile phone business card-based two-dimensional barcode payment method and the mobile phone business card two-dimensional barcode payment system according to the fourth embodiment of the present invention, for the payment system, there is no need to set up a Token system separately, as long as the payment core system itself It is enough to have the ability to produce and manage Token.

Hereinafter, the above-mentioned embodiment will be modified and modified examples 1 to 3 will be briefly described.

Modification 1 In the first to fourth embodiments of the mobile phone business card-based two-dimensional barcode payment method and the mobile phone business card-based two-dimensional barcode payment system, blockchain technology is used between the payment system and the mobile phone business card system The realization of information interaction, as a variant, can also be an alternative to blockchain technology, but adopts a point-to-point transmission method. In this way, the security of the data can also be guaranteed.

Modification 2 In the first to fourth embodiments of the mobile phone business card-based two-dimensional barcode payment method and the mobile phone business card-based two-dimensional barcode payment system, in the two-dimensional barcode acceptance process, you can set up before displaying the two-dimensional barcode The mobile phone business card system performs additional auxiliary verification for the user, such as fingerprint verification, face verification, and password verification.

Modification 3 In the opening phase of the tied card, in addition to binding bank card information, reserved mobile phone number, and user's mobile phone brand, auxiliary verification information, such as name, ID number, address, etc., can also be added.

As a result, the security of payment can be further improved.

In addition, in the opening phase of the card binding, the binding relationship between other security elements such as mobile phone device information and the Token can be further increased, which can further improve the security of payment and provide more risk control protection.

Modification 4

In the above embodiments, in the process of acquiring bank card information by the mobile business card system, the mobile business card system uses asymmetric encryption to request the payment system for bank card information with the bank card feedback code and its own public key, with a signature attached. material. The payment system verifies the signature, uses the public key of the mobile phone business card system to encrypt the bank card information and the bank’s reserved mobile phone number, attaches its own public key and signs, and returns it to the mobile phone business card system. In addition to this public key exchange method, the payment system and the mobile phone business card system can also be set to be carried out in other pre-appointed forms.

The present invention also provides a computer-readable storage medium on which a computer program is stored, and when the computer program is executed by a processor, the above-mentioned mobile phone business card-based two-dimensional bar code payment method is realized.

The present invention also provides a computer device, including a storage module, a processor, and a computer program stored on the storage module and capable of running on the processor. When the processor executes the computer program, the above-mentioned mobile phone business card-based Two-dimensional barcode payment method.

The above examples mainly illustrate the two-dimensional barcode payment method based on mobile phone business cards and the two-dimensional barcode payment system based on mobile phone business cards of the present invention. Although only some of the specific embodiments of the present invention are described, those of ordinary skill in the art should understand that the present invention can be implemented in many other forms without departing from its spirit and scope. Therefore, the examples and implementations shown are regarded as illustrative rather than restrictive. Without departing from the spirit and scope of the present invention as defined by the appended claims, the present invention may cover various modifications and replace.

S101~S108: Process steps 100, 300, 500, 700: payment system 110, 310, 510, 710: payment core system 120: Token system 130, 330, 520, 720: Blockchain node module 200, 400, 600, 800, A~M: mobile phone business card system 320: System coding system

Other features and effects of the present invention will be clearly presented in the embodiments with reference to the drawings, in which: Fig. 1 is a flowchart showing a two-dimensional barcode payment method based on a mobile phone business card according to a first embodiment of the present invention. Figure 2 shows an example of a two-dimensional bar code display of a mobile phone business card. 3 is a schematic diagram showing the two-dimensional barcode application phase and the acceptance phase in the two-dimensional barcode payment method based on a mobile phone business card according to the first embodiment of the present invention. 4 is a block diagram showing the structure of a mobile phone business card-based two-dimensional barcode payment system according to the first embodiment of the present invention. 5 is a block diagram showing the structure of a two-dimensional barcode payment system based on a mobile phone business card according to a second embodiment of the present invention. 6 is a block diagram showing the structure of a two-dimensional barcode payment system based on a mobile phone business card according to a third embodiment of the present invention. Fig. 7 is a block diagram showing the structure of a two-dimensional barcode payment system based on a mobile phone business card according to a fourth embodiment of the present invention.

S101~S108: Process steps

Claims (30)

A two-dimensional barcode payment method based on a mobile phone business card is implemented by a payment system and a mobile business card system, and includes the following steps: the mobile phone business card system initiates a two-dimensional barcode acquisition request to the payment system, wherein the two-dimensional barcode The barcode acquisition request contains the account information bound to the mobile phone business card, and the payment QR code corresponding to the account information is returned from the payment system; and the QR code acceptance step, the mobile business card system pushes the acquired payment QR code to the user , Based on the payment QR code to complete the payment acceptance based on the corresponding account information, where the payment system generates the account feedback code corresponding to the account information and at the same time creates the first mapping of the account feedback code, account information, mobile phone number, and device information The mobile phone business card system interacts with the payment system and realizes the binding of account information and the mobile phone business card based on the mobile phone number and a pre-stored second mapping table indicating the correspondence between the mobile phone number and the mobile phone business card. The mobile phone business card-based two-dimensional barcode payment method according to claim 1, wherein, before the two-dimensional barcode obtaining step, it includes: a request receiving step, the payment system receives a binding request, wherein the binding request includes Account information, mobile phone number, and device information; mapping creation step, the payment system generates an account feedback code corresponding to the account information based on the binding request, and at the same time creates a first mapping table of account feedback code, account information, mobile phone number, and device information ; In the distribution step, the payment system sends the account feedback code to the mobile phone business card system according to the device information; In the account acquisition step, the mobile business card system requests account information from the payment system based on the account feedback code, and the mobile business card system obtains the account information and mobile phone number corresponding to the account feedback code from the payment system; and the binding step, the mobile business card system is based on the acquired mobile phone The number is matched with a pre-stored second mapping table indicating the correspondence between the mobile phone number and the mobile phone business card, and the binding of the account information and the mobile phone business card is realized. The mobile phone business card-based two-dimensional barcode payment method according to claim 2, wherein, in the mapping establishment step, the payment system generates a Token corresponding to account information as the account feedback code based on the binding request, and Generate the Token feedback identification code corresponding to the Token, and at the same time, further establish the corresponding relationship among account information, Token, Token feedback identification code, mobile phone number, and device information in the first mapping table; in the distribution step The payment system sends the Token feedback identification code to the mobile business card system according to the device information. In the account acquisition step, the mobile business card system requests the Token from the payment system based on the Token feedback identification code, and the mobile business card system obtains the token from the payment system. The Token returns the Token and the mobile phone number corresponding to the identification code. In the binding step, matching is performed based on the second mapping table and the binding of the Token and the mobile phone business card is realized. The two-dimensional barcode payment method based on mobile phone business cards according to claim 3, wherein, in the distribution step, the payment system sends the Token feedback identification code to the mobile phone business card system in a point-to-point manner. The mobile phone business card-based two-dimensional barcode payment method as described in claim 3, wherein: In the distribution step, the payment system sends the Token feedback identification code to the mobile phone business card system through the blockchain. The mobile phone business card-based two-dimensional barcode payment method according to claim 3, wherein the account acquisition step includes the following sub-steps: the mobile phone business card system uses an asymmetric encryption method to request the Token from the payment system with the Token feedback identification code; The payment system obtains the corresponding Token and the mobile phone number according to the first mapping table according to the Token feedback identification code and returns to the mobile phone business card system after being encrypted in an asymmetric manner; and the mobile phone business card system decrypts to obtain the Token and mobile phone number. The mobile phone business card-based two-dimensional barcode payment method according to claim 6, wherein the binding step includes the following sub-steps: the mobile phone business card system matches the obtained mobile phone number with the second mapping table; The mobile phone business card matching the mobile phone number is bound with the obtained Token; and the binding result is fed back to the payment system. The mobile phone business card-based two-dimensional bar code payment method according to claim 3, wherein the two-dimensional bar code acquisition step includes the following sub-steps: the mobile phone business card system verifies the consistency between the SIM card number of the current device and the mobile phone number; In the case of passing verification, use the Token and mobile phone number bound to the mobile phone business card to initiate a two-dimensional barcode acquisition request to the payment system; and the payment system verifies the consistency between the Token and the mobile phone number based on the two-dimensional barcode acquisition request, and If the verification is passed, the payment QR code corresponding to the Token is returned to the mobile phone business card system. The mobile phone business card-based two-dimensional barcode payment method according to claim 3, wherein, in the two-dimensional barcode acceptance step, an auxiliary verification for the mobile phone user to verify is further set before the payment acceptance is completed. The mobile phone business card-based two-dimensional barcode payment method according to claim 2, wherein, in the mapping establishment step, the payment system generates a system code corresponding to account information as the account feedback code based on the binding request, And generate the system code feedback code corresponding to the system code, and at the same time, further establish the correspondence between account information, system code, system code feedback code, mobile phone number, and device information in the first mapping table, and then distribute In the step, the payment system sends the system code feedback code to the mobile phone business card system according to the device information. In the account acquisition step, the mobile phone business card system requests the system code from the payment system based on the system code feedback code, and the mobile phone business card system requests the system code from the payment system The system code and the mobile phone number corresponding to the system code feedback code are obtained, and in the binding step, matching is performed based on the second mapping table and the binding of the system code and the mobile phone business card is realized. A two-dimensional bar code payment method based on a mobile phone business card, including the following steps: a two-dimensional bar code providing step, receiving a two-dimensional bar code acquisition request from the outside, wherein the two-dimensional bar code acquisition request includes account information bound to the mobile phone business card And the mobile phone number, where the mobile phone business card is bound to the account information based on the mobile phone number, and the payment QR code is provided to the outside based on the account information and mobile phone number; and the QR code acceptance step is to receive the payment QR code from the outside, and based on the account information and mobile phone number. The payment QR code completes the payment acceptance based on the corresponding account information, Wherein, the account feedback code corresponding to the account information is generated and the first mapping table of account information, account feedback code, mobile phone number, and device information is created at the same time. The mobile phone business card-based two-dimensional barcode payment method according to claim 11, wherein, before the two-dimensional barcode providing step, it further includes: a request receiving step, receiving a binding request, wherein the binding request includes an account Information, mobile phone number, device information; a mapping creation step, generating an account feedback code corresponding to account information based on the binding request, and at the same time creating the first mapping table of account information, account feedback code, mobile phone number, and device information; The distributing step is to send the account feedback code to the outside according to the device information; and the account providing step is to receive a request for account information based on the account feedback code from the outside, and query the account information and mobile phone number corresponding to the account feedback code based on the request And sent to the outside. The mobile phone business card-based two-dimensional barcode payment method according to claim 12, wherein, in the mapping establishment step, a Token corresponding to account information is generated based on the binding request as the account feedback code, and the corresponding Based on the Token feedback identification code of the Token, the corresponding relationship between account information, Token, Token feedback identification code, mobile phone number, and device information is further established in the first mapping table. In the distribution step, the Token The feedback identification code is sent to the outside according to the equipment information, In the account providing step, a request for account information based on the Token feedback identification code is received from the outside, and the Token and mobile phone number corresponding to the Token feedback identification code are inquired based on the request and sent to the outside. The two-dimensional barcode payment method based on mobile phone business cards according to claim 13, wherein, in the distribution step, the Token feedback identification code is sent to the outside in a point-to-point manner. The two-dimensional barcode payment method based on mobile phone business cards according to claim 13, wherein, in the distribution step, the Token feedback identification code is sent to the outside through the blockchain. The mobile phone business card-based two-dimensional barcode payment method according to claim 15, wherein, in the two-dimensional barcode acceptance step, an auxiliary verification for the mobile phone user to verify is further set before the payment acceptance is completed. A two-dimensional barcode payment system based on mobile phone business cards, including: a payment system and a mobile phone business card system. The payment system includes: a payment core system for performing and payment functions; a Token system for generating and managing Token; The node of the block chain realizes the block chain node module of information interaction with the mobile phone business card system. The mobile phone business card system is used to interact with the payment system and realize the binding of the mobile phone business card based on the Token. The core system is used to receive a binding request, where the binding request includes account information, mobile phone number, and device information, The Token system is used to generate a corresponding Token and a Token feedback identification code corresponding to the Token according to the binding request, and establish a first mapping table of account information, Token, Token feedback identification code, mobile phone number, and device information. The blockchain node module sends the Token feedback identification code to the mobile phone business card system corresponding to the device information according to the device information. After the mobile phone business card system obtains the Token feedback identification code, it sends the Token feedback identification code to the payment system based on the Token feedback identification code. Request to obtain a Token, the Token system returns the corresponding Token and mobile phone number to the mobile phone business card system according to the request from the mobile phone business card system, and the mobile phone business card system binds the Token with the mobile phone business card based on the obtained Token and mobile phone number . The mobile phone business card-based two-dimensional barcode payment system according to claim 17, wherein the mobile phone business card system is configured to request payment of the two-dimensional barcode from the payment system based on the Token bound to the mobile phone business card, and the payment core system According to the request from the mobile phone business card system, the Token and the corresponding payment two-dimensional barcode are generated and returned to the mobile phone business card system. The mobile phone business card-based two-dimensional barcode payment system according to claim 17, wherein the mobile phone business card system is used to provide a payment two-dimensional barcode to the user, and the Token system obtains the corresponding Token according to the payment two-dimensional barcode. Account information, the payment core system is used to complete the acceptance based on the account information. The mobile phone business card-based two-dimensional barcode payment system according to claim 17, wherein the blockchain node module sends the Token feedback identification code to the mobile phone business card system in a blockchain manner. A payment system including: A payment core system used to perform and payment functions; a Token system used to generate and manage Token; and a blockchain node module used as a node of the blockchain to realize information interaction with the outside, the blockchain node The module sends the Token feedback identification code to the mobile phone business card system corresponding to the device information according to the device information. After the mobile phone business card system obtains the Token feedback identification code, it requests the payment system to obtain the Token based on the Token feedback identification code. The Token system returns the corresponding Token and mobile phone number to the mobile phone business card system according to the request from the mobile phone business card system, and the mobile phone business card system binds the Token and the mobile phone business card based on obtaining the Token and the mobile phone number. The payment system according to claim 21, wherein the core payment system generates the Token and the corresponding payment two-dimensional barcode according to a request from an external mobile phone business card system. A two-dimensional barcode payment system based on mobile phone business cards, including: a payment system and a mobile phone business card system, wherein the payment system includes: a payment core system for realizing payment functions; a system coding system for realizing system code generation and Management; and a block chain node module, based on the block chain technology to complete the information interaction with the mobile phone business card system, the mobile phone business card system is used to interact with the payment system and bind the mobile phone based on the system code business card, The payment core system is used to receive a binding request, where the binding request includes account information, mobile phone number, and device information, and the system coding system is used to generate a corresponding system code according to the binding request and to communicate with the binding request. The system code feedback code corresponding to the system code, and a first mapping table of account information, system code, system code feedback code, mobile phone number, and device information is created. The blockchain node module sends the system code feedback code according to the device information To the mobile phone business card system corresponding to the device information, after the mobile phone business card system obtains the system code feedback code, it requests the payment system to obtain the system code based on the system code feedback code, and the system coding system Upon request of the business card system, the corresponding system code and mobile phone number are returned to the mobile phone business card system, and the mobile phone business card system binds the system code and the mobile phone business card based on obtaining the system code and mobile phone number. The mobile phone business card-based two-dimensional barcode payment system according to claim 23, wherein the mobile phone business card system is configured to request payment of the two-dimensional barcode from the payment system based on the system code bound to the mobile phone business card, and the core payment According to the request from the mobile phone business card system, the system generates the system code and the corresponding payment two-dimensional barcode and returns to the mobile phone business card system. The mobile phone business card-based two-dimensional bar code payment system according to claim 23, wherein the mobile phone business card system is used to provide a payment two-dimensional bar code to the user, and the system encoding system obtains a code with the system according to the payment two-dimensional bar code. Corresponding account information, the payment core system is used to complete the acceptance based on the account information. The two-dimensional barcode payment system based on mobile phone business cards as described in claim 23, wherein: The block chain node module sends the system encoding feedback code to the mobile phone business card system through the block chain. A payment system, including: a payment core system for realizing payment functions; a system coding system for realizing the generation and management of system codes; and a block chain node module, which is based on block chain technology to complete an external mobile phone business card system The payment core system is used to receive a binding request, wherein the binding request includes account information, mobile phone number and device information, and the system encoding system is used to generate a corresponding binding request according to the binding request. System code and the system code feedback code corresponding to the system code, and create a first mapping table of account information, system code, system code feedback code, mobile phone number, and device information. The blockchain node module is based on the device information The system encoding feedback code is sent to the external mobile phone business card system corresponding to the device information, and the system encoding system returns the corresponding system code and mobile phone number to the external mobile phone business card system according to a request from the external mobile phone business card system. The payment system according to claim 27, wherein the block chain node module sends the system encoding feedback code to the external mobile phone business card system through the block chain. A computer-readable storage medium on which a computer program is stored, wherein when the computer program is executed by a processor, the mobile phone business card-based two-dimensional bar code payment method described in any one of request items 1 to 14 is realized. A computer device includes a storage module, a processor, and a computer program that is stored on the storage module and can run on the processor, wherein the processor executes the computer program The mobile phone business card-based two-dimensional bar code payment method described in any one of request items 1 to 14 is realized in the mode.

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