CN101090414A - Mobile payment service implementing method based on quick response matrix code - Google Patents
Mobile payment service implementing method based on quick response matrix code Download PDFInfo
- Publication number
- CN101090414A CN101090414A CNA2006100875742A CN200610087574A CN101090414A CN 101090414 A CN101090414 A CN 101090414A CN A2006100875742 A CNA2006100875742 A CN A2006100875742A CN 200610087574 A CN200610087574 A CN 200610087574A CN 101090414 A CN101090414 A CN 101090414A
- Authority
- CN
- China
- Prior art keywords
- payment
- quick response
- matrix code
- response matrix
- mobile payment
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
Images
Landscapes
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
This invention discloses a realization method for mobile payment service based on a quick response matrix code including the following steps: a user on the charge direction transmits a quick response matrix code in the way of charge bill, a mobile terminal gets the quick response matrix code from the bill and picks up the code to identify and decode the matrix code, after the terminal decodes it successfully and gets the payment information, it starts up and executes the payment applied program.
Description
Technical field
The present invention relates to field of mobile communication, particularly on the portable terminal based on the mobile payment service implementation method of quick response matrix code.
Background technology
Developing rapidly of mobile communication makes the every aspect of entire society all cause change in various degree, and slight portable terminal has become an indispensable part in majority's life.
Mobile payment is used in growing field, not only aspect small amount payment, has also obtained breakthrough in the wholesale payment, and the convenience of mobile payment has obtained liking of numerous users, operator and trade company, has developed various application; In addition, QR sign indicating number (Quick Response Code, quick response matrix code) because it has certain confidentiality, memory data output is big, characteristics such as error correcting capability are arranged, obtained large-scale use on Korea S Japan and other places, domestic present exploitation for QR sign indicating number business also is in the starting stage, main application fields is at logistic industry, the huge commercial opportunities that QR may bring have been seen by China Mobile, some application have been proposed at QR, and formulated corresponding standard, such background makes us see the multiple business that can develop based on the QR sign indicating number, and we have proposed based on the mobile payment service model of QR sign indicating number and the flow process that realizes on mobile phone terminal here.
Now, portable terminal no longer has been one has only had the instrument of call function, and be one and can bring much instrument easily to the user, as paying various running costs such as water rate, the electricity charge etc. by the portable terminal people, how to allow people can finish the payment work of this respect quickly and easily, just we have been proposed an a kind of new difficult problem here.
Summary of the invention
For defective and the deficiency that overcomes prior art, the object of the present invention is to provide a kind of mobile payment service implementation method that can pass through the mobile terminal payment expense based on quick response matrix code.
In order to achieve the above object, a kind of mobile payment service implementation method based on quick response matrix code of the present invention may further comprise the steps:
(1) payment collector is to the form transmission quick response matrix code of user with the charge bill, and portable terminal obtains quick response matrix code from the charge bill;
(2) portable terminal extracts this quick response matrix code, and this quick response matrix code is discerned and decoded;
(3) when portable terminal successfully decode obtain payment information after, start and also to carry out payment application.
Further, described step (1) can be specially:
(11) payment collector sends the charge bill of quick response matrix code by the mode of mailing to the user, or sends charge quick response matrix code information again to portable terminal on the basis of this bill;
(12) portable terminal is taken the quick response matrix code image on the charge bill and is obtained quick response matrix code.
Described step (1) also can be:
(13) payment collector sends the Multimedia Messaging Service or the Email that have quick response matrix code by the mode that pushes and charges bill to the user;
(14) portable terminal obtains the charge quick response matrix code from Multimedia Messaging Service or Email charge bill.
Further, described step (3) execution payment application is specially:
(31) user terminal is resolved back submission payment information and is given mobile payment platform;
(32) mobile payment platform is according to the payment information of submitting to the clearing of paying.
Further, described step (31) is specially:
(311) payment information that obtain after will resolving of portable terminal is filled up in the payment application content project corresponding with it automatically;
(312) user checks the content of filling in automatically in the payment application by bill, checks the errorless back of content and confirms to submit to payment information to give mobile payment platform.
Further, submit to the detailed process of payment information to be in the described step (312): after the user selects to submit payment to, terminal and mobile payment platform are set up link, after authentication and authentication, submit Transaction Information to mobile payment platform, carry out interface through mobile payment platform and payment collector, it is mutual to set up payment information.
Further, described step (32) is specially:
(321) after mobile payment platform is received payment information and checking, pay clearing and generation object information;
(322) object information of mobile payment platform after with payment and settlement feeds back to the user.
Further, described step (321) is specially:
(I) mobile payment platform carries out the cryptographic certificate checking, verifies whether user's remaining sum satisfies payment the payment of submitting to, and judges the fund information that needs payment and submit to the specified account number content of payment collector;
(II) mobile payment platform generates the object information through checking and the payment and settlement judged, if the payment failure has then comprised the reason that the user pays failure in this object information.Like this, can promote the accuracy of checking, and can make the user learn the reason of payment and settlement failure very easily.
Further, in the described step (3) successfully the payment information that obtains of decoding comprise flowing water account number, the amount of money, beneficiary account number.
Further, further comprising the steps of between described step (1) and the step (2):
(A) user terminal is saved in the quick response matrix code file with this quick response matrix code and is equipped with in the bar-code identification application file folder.
After adopting above-mentioned method, because utilized that the quick response matrix code capacity is big, error correcting capability is strong, fast, the comprehensive recognition of recognition speed, the characteristics of certain confidentiality are arranged, realized carrying out every mobile payment service, and expanded the range of application of quick response matrix code and the range of application of mobile payment to a certain extent by portable terminal.
Description of drawings
Fig. 1 is the business framework figure of the mobile payment service implementation method of quick response matrix code of the present invention;
Fig. 2 is the payment flow figure of the mobile payment service implementation method of quick response matrix code of the present invention;
Fig. 3 is the state diagram of the mobile payment service implementation method of quick response matrix code of the present invention;
Fig. 4 is the main surface chart of the mobile payment service implementation method of quick response matrix code of the present invention;
Fig. 5 is the terminal applies surface chart of the mobile payment service implementation method of quick response matrix code of the present invention.
Embodiment
Below in conjunction with accompanying drawing and preferred embodiment the present invention is described in further detail.
As shown in Figure 1, in this diagram, mainly be simply to have introduced the basic business framework figure that will realize this payment transaction, in diagram, mainly comprised mobile phone users (side of paying dues), the company that sends bill or user's (payment collector), mobile operator and mobile payment platform thereof, these business roles of business bank.Here only enumerate general possible situation.In the mobile payment network of different operators, may have different business roles, also can different definition be arranged each role, but the function basically identical of its realization.
As shown in Figure 2, basic procedure based on the mobile payment of QR sign indicating number has been described in this figure.Portable terminal at first obtains the QR sign indicating number in this flow process, and being judged as after the decoding of terminal software QR sign indicating number is the application of mobile payment, then starts mobile payment and uses, and then starts other application processing functions if be judged as other application; In using, mobile payment fills in the content that to fill in automatically, fill in and be shown to the user after finishing, the accuracy of user's verified information, if information is accurate, then can send payment information after the affirmation,, then need to send payment information after the information of correcting a mistake if information is inaccurate, mobile payment platform is judged the result of payment, and the user receives payment result information; Then whole flow process can be finished.
Come enforcement of the present invention further is described in detail below in conjunction with Fig. 2, Fig. 3, Fig. 4, Fig. 5:
The first step: portable terminal obtains the QR sign indicating number
Portable terminal can send the charge bill of quick response matrix code from payment collector to the user by the mode of mailing, or on the charge quick response matrix code information that sends again on the basis of this bill, the quick response matrix code image taken obtain the QR sign indicating number.
Obtaining the QR sign indicating number also can obtain from MMS (multi-media SMS) or EMAIL (Email), payment collector can send MMS or EMAIL to the side of paying dues by the mode of PUSH (propelling movement), the square tube of paying dues is crossed to obtain and is saved to QR sign indicating number file behind the QR sign indicating number and is equipped with in the bar code file, can the prompting saving result after the preservation; Or directly start the bar code recognizer;
When terminal is under the holding state, enter the identification of QR sign indicating number and use, as shown in Figure 4, the QR sign indicating number that at this moment can take on the object of similar functions such as bill obtains the QR sign indicating number; Perhaps read the QR sign indicating number file of having preserved from file, the bar-code identification master interface of its user terminal also comprises the brief description of business and operation instruction;
Second step: terminal software QR sign indicating number decoding
Decode for the QR sign indicating number that gets access to, abide by CNS GB/T18284-2000, decode and successfully then use judgement with regard to directly forwarding next step to; If unintelligible or verification reason such as make mistakes causes the decoding failure owing to the QR sign indicating number, return main as shown in Figure 4 interface after then pointing out the user;
The 3rd step: judge whether to use into mobile payment
Decode successfully, be judged as mobile payment and use, then start payment application, application state carries out corresponding conversion, if other application then forward other to and use processing.
A lot of application have been developed at the QR sign indicating number at present, as multiple business such as business card, advertisement, marketing, IVR marketing, therefore developing mobile payment also is a kind of very promising application, owing to a lot of different types of business are arranged on portable terminal, so will carry out the applied business letter sorting after being correctly decoded, sort out professional back and just can start this applied business, in this step, carry out applied business letter sorting result if mobile payment, then enter mobile payment and use processing, if other applied business then enter the relevant application of this business; In this patent, then be to sort to be mobile payment service, and start the mobile payment service application.
The 4th step: mobile payment is application software initiated
For QR sign indicating number correspondence be that mobile payment is used, then start mobile payment automatically and use, man-machine interface jumps to the mobile payment application interface, has essential option and be presented on the terminal screen in this interface; Some display interface samples as shown in Figure 5 are comprising bill type, flowing water account number, change account number over to, change the amount of money etc. over to.
The 5th step: after the mobile payment content is filled in automatically, user's verified information
After mobile payment is application software initiated, be filled up to the necessary mobile payment content of decoding in the QR sign indicating number in the related content items automatically; Such as, for a bill, the content that can fill in mainly contains the flowing water number of the account, the amount of money, beneficiary numbers of the account etc. can be come verified information according to the bill user, can send payment information after the confirmation, if problem is arranged, can just send payment information after the correction according to the bill content information of correcting a mistake;
The 6th step: send payment information
Portable terminal has the content of relevant configuration on terminal after opening mobile payment service, as the Bank Account Number of binding, relevant contents such as digital certificate, to use these related contents during payment, also need the user to input password etc., finish associative operation after, submit to mobile payment platform;
Payment flow is the process of a complexity, here make a simple explanation, after the user selects to submit payment to, terminal and mobile payment platform are set up link (as set up safe IP link by wireless network and mobile payment platform), through authentication and authentication back (need the user to import user cipher here, select user account, corresponding digital certificate etc.), submit Transaction Information to mobile payment platform, carry out interface through mobile payment platform and payment collector, it is mutual to set up payment information.
The 7th step: receive payment result information
Mobile payment platform need carry out the cryptographic certificate checking to the payment of submitting to, verify whether user's remaining sum satisfies payment, judges the fund information of needs payment and submit to the specified contents such as number of the account of payment collector; Send the result who pays to portable terminal after finishing sequence of operations, this possibility of result is successful, also may fail.
The 8th step: receive payment result information on the terminal and it is shown to the user, if failure, the reason that will point out the user to fail then, the once flow process of payment has all been finished in no matter success or not, and the user can return main as shown in Figure 4 interface.
Claims (9)
1, a kind of mobile payment service implementation method based on quick response matrix code is characterized in that, may further comprise the steps:
(1) payment collector is to the form transmission quick response matrix code of user with the charge bill, and portable terminal obtains quick response matrix code from the charge bill;
(2) portable terminal extracts this quick response matrix code, and this quick response matrix code is discerned and decoded;
(3) when portable terminal successfully decode obtain payment information after, start and also to carry out payment application.
2, according to the described mobile payment service implementation method of claim 1, it is characterized in that described step (1) is specially based on quick response matrix code:
(11) payment collector sends the charge bill of quick response matrix code by the mode of mailing to the user, or sends quick response matrix code information again to portable terminal on the basis of this bill;
(12) portable terminal is taken the quick response matrix code image on the charge bill and is obtained quick response matrix code.
3, according to the described mobile payment service implementation method of claim 1, it is characterized in that described step (1) is specially based on quick response matrix code:
(111) payment collector sends the Multimedia Messaging Service or the Email that have quick response matrix code by the mode that pushes and charges bill to the user;
(112) portable terminal obtains the charge quick response matrix code from Multimedia Messaging Service or Email charge bill.
According to claim 1 or 2 or 3 described mobile payment service implementation methods, it is characterized in that 4, described step (3) is carried out payment application and is specially based on quick response matrix code:
(31) user terminal is resolved back submission payment information and is given mobile payment platform;
(32) mobile payment platform is according to the payment information of submitting to the clearing of paying.
5, according to the described mobile payment service implementation method of claim 4, it is characterized in that described step (31) is specially based on quick response matrix code:
(311) payment information that obtain after will resolving of portable terminal is filled up in the payment application content project corresponding with it automatically;
(312) user checks the content of filling in automatically in the payment application by bill, checks the errorless back of content and confirms to submit to payment information to give mobile payment platform.
6, according to the described mobile payment service implementation method of claim 4, it is characterized in that described step (32) is specially based on quick response matrix code:
(321) after mobile payment platform is received payment information and checking, pay clearing and generation object information;
(322) object information of mobile payment platform after with payment and settlement feeds back to the user.
7, according to the described mobile payment service implementation method of claim 5 based on quick response matrix code, it is characterized in that, submit to the detailed process of payment information to be in the described step (312): after the user selects to submit payment to, terminal and mobile payment platform are set up link, after authentication and authentication, submit Transaction Information to mobile payment platform, carry out interface through mobile payment platform and payment collector, it is mutual to set up payment information.
8, according to the described mobile payment service implementation method of claim 6, it is characterized in that described step (321) is specially based on quick response matrix code:
(3211) mobile payment platform carries out the cryptographic certificate checking, verifies whether user's remaining sum satisfies payment the payment of submitting to, and judges the fund information that needs payment and submit to the specified account number content of payment collector;
(3212) mobile payment platform generates the object information through checking and the payment and settlement judged, if the payment failure has then comprised the reason that the user pays failure in this object information.
According to the described mobile payment service implementation method of claim 1, it is characterized in that 9, the payment information that obtains of successfully decoding in the described step (3) comprises flowing water account number, the amount of money, beneficiary account number based on quick response matrix code.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2006100875742A CN101090414A (en) | 2006-06-15 | 2006-06-15 | Mobile payment service implementing method based on quick response matrix code |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2006100875742A CN101090414A (en) | 2006-06-15 | 2006-06-15 | Mobile payment service implementing method based on quick response matrix code |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN101090414A true CN101090414A (en) | 2007-12-19 |
Family
ID=38943573
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CNA2006100875742A Pending CN101090414A (en) | 2006-06-15 | 2006-06-15 | Mobile payment service implementing method based on quick response matrix code |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN101090414A (en) |
Cited By (8)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101930532A (en) * | 2010-10-29 | 2010-12-29 | 福州中路网络技术开发有限公司 | Mobile phone-based camera quick response matrix code recognizing and reading method |
| CN101977276A (en) * | 2010-10-20 | 2011-02-16 | 中兴通讯股份有限公司 | Value added service charging method and device |
| CN102201091A (en) * | 2010-03-23 | 2011-09-28 | 安智金融与工业公司 | Method and system for validating a transaction, and corresponding transactional terminal and programme |
| CN102346896A (en) * | 2010-07-26 | 2012-02-08 | 万戈科技有限公司 | Plug-in system and method for consumer credit acquisition |
| CN102915496A (en) * | 2012-10-08 | 2013-02-06 | 江苏乐买到网络科技有限公司 | Mobile phone payment system for network consumption |
| CN105830390A (en) * | 2013-12-20 | 2016-08-03 | 稀客股份有限公司 | System and method for authentication using quick response code |
| CN107608798A (en) * | 2017-08-04 | 2018-01-19 | 阿里巴巴集团控股有限公司 | A kind of method for processing business and equipment |
| TWI811533B (en) * | 2020-03-20 | 2023-08-11 | 陳耀庭 | Electronic Billing System |
-
2006
- 2006-06-15 CN CNA2006100875742A patent/CN101090414A/en active Pending
Cited By (10)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102201091A (en) * | 2010-03-23 | 2011-09-28 | 安智金融与工业公司 | Method and system for validating a transaction, and corresponding transactional terminal and programme |
| CN102346896A (en) * | 2010-07-26 | 2012-02-08 | 万戈科技有限公司 | Plug-in system and method for consumer credit acquisition |
| CN101977276A (en) * | 2010-10-20 | 2011-02-16 | 中兴通讯股份有限公司 | Value added service charging method and device |
| WO2012051908A1 (en) * | 2010-10-20 | 2012-04-26 | 中心通讯股份有限公司 | Method and device for charging for value-added services |
| CN101930532A (en) * | 2010-10-29 | 2010-12-29 | 福州中路网络技术开发有限公司 | Mobile phone-based camera quick response matrix code recognizing and reading method |
| CN102915496A (en) * | 2012-10-08 | 2013-02-06 | 江苏乐买到网络科技有限公司 | Mobile phone payment system for network consumption |
| CN105830390A (en) * | 2013-12-20 | 2016-08-03 | 稀客股份有限公司 | System and method for authentication using quick response code |
| CN105830390B (en) * | 2013-12-20 | 2018-11-30 | 稀客股份有限公司 | Utilize the verifying system and method for quick response code |
| CN107608798A (en) * | 2017-08-04 | 2018-01-19 | 阿里巴巴集团控股有限公司 | A kind of method for processing business and equipment |
| TWI811533B (en) * | 2020-03-20 | 2023-08-11 | 陳耀庭 | Electronic Billing System |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN101090414A (en) | Mobile payment service implementing method based on quick response matrix code | |
| CN104078043B (en) | The voice operating instruction identifying processing method and system of internet trading system | |
| US8214289B2 (en) | Short codes for bill pay | |
| US8244207B2 (en) | System and method for payment using a mobile electronic device | |
| CN102663586B (en) | A kind of method completing to pay by two mobile terminals | |
| CN1904923B (en) | Method for implementing space transference and apparatus thereof | |
| KR20140093710A (en) | Payment system and method | |
| CN106600269A (en) | Paying method and platform based on two-dimensional barcode | |
| CN102880959A (en) | Quick internet payment method and system | |
| CN101022489A (en) | Two-dimensional code charging card and application method thereof | |
| CN101916478A (en) | Method for automatically acquiring, verifying and inputting dynamic password in normal short message by client | |
| TWI651013B (en) | Method and system for remotely processing SIM card | |
| CN104123650A (en) | Text operation instruction recognition processing method for network transaction system and system thereof | |
| CN101329800A (en) | Method for processing mobile phones POS consumptive data and mobile phones POS consumption system | |
| CN1811830A (en) | System and method for making ATM identity test using mobile phone | |
| CN100485727C (en) | System and method for realizing personal electric check card | |
| CN101790166A (en) | Digital signing method based on mobile phone intelligent card | |
| CN106529925A (en) | Bluetooth visual card and method of realizing electronic cash transactions | |
| CN101102529A (en) | Receiving and transmitting method and device for electronic return receipt | |
| CN110163614A (en) | Accounts payable order method of calibration, device, equipment and storage medium | |
| CN104102950A (en) | Travel ticket ordering method based on two-dimension code | |
| CN202394268U (en) | On-site payment equipment | |
| CN104933554A (en) | Self-service device based on payment of mobile terminal, payment method and system | |
| CN104123647A (en) | Payment method and system | |
| CN103929731B (en) | The booking method and device of value-added service |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| C06 | Publication | ||
| PB01 | Publication | ||
| C10 | Entry into substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| C02 | Deemed withdrawal of patent application after publication (patent law 2001) | ||
| WD01 | Invention patent application deemed withdrawn after publication |
Open date: 20071219 |