CN101377874A - Point-of-sale terminals and payment method thereof - Google Patents

Point-of-sale terminals and payment method thereof Download PDF

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Publication number
CN101377874A
CN101377874A CN 200710121185 CN200710121185A CN101377874A CN 101377874 A CN101377874 A CN 101377874A CN 200710121185 CN200710121185 CN 200710121185 CN 200710121185 A CN200710121185 A CN 200710121185A CN 101377874 A CN101377874 A CN 101377874A
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China
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dimensional code
information
electronic
point
step
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CN 200710121185
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Chinese (zh)
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杰 常
旻 王
芦宏志
袁同舟
赵靖华
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北京方维银通科技有限公司
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Priority to CN 200710121185 priority Critical patent/CN101377874A/en
Publication of CN101377874A publication Critical patent/CN101377874A/en

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Abstract

The invention discloses a pos terminal payment method and a pos terminal through a plurality of modes of execution, wherein, the pos terminal payment method comprises: the pos terminal scans a two-dimensional code electronic certificate for two times, orderly identifies basic two-dimensional code information and verification two-dimensional code information, and sends the basic two-dimensional code information and the verification two-dimensional code information to a verifying platform; the verifying platform verifies the two-dimensional code electronic certificate; after the two-dimensional code electronic certificate passes the verification, the pos terminal executes charged business transactions through a bank accounting system. The pos terminal payment method realizes the effective identification of the two-dimensional code electronic certificate through the pos terminal, leads the charged business transactions that use the pos terminal not to be limited to bankcards, reduces the troubles for customers that use the bankcards, and avoids the situation that operations of the charged business transactions cannot be realized through the pos terminal as customers forget to carry the bankcards or the bankcards are demagnetized.

Description

销售点终端机支付方法和销售点终端机 Point of sale terminals and point of sale terminals payment method

技术领域 FIELD

本发明涉及一种销售点终端机(point of sale,以下简称P0S)支付方法,特别是一种基于二维码技术的POS支付方法;本发明还涉及一种POS, 特别是一种能够识读二维码电子凭证的POS,属于电子支付技术领域。 The present invention relates to a point of sale terminal (point of sale, hereinafter referred P0S) payment method, more particularly to a POS payment method based on two-dimensional code technology; The present invention further relates to a POS, particularly capable of reading two-dimensional code electronic certificates POS, belonging to the technical field of electronic payments.

背景技术 Background technique

目前,现有的POS都是扫描磁卡的方式进行收费业务交易的,即客户必须持有银行卡,经POS扫描银行卡后,根据提示输入账户密码,经过与POS At present, the existing POS scanning all the way to charge card business transactions, that is, customers must have a bank card, bank card via POS scanning after the prompts to enter the account password, and through POS

实时连通的银行账务系统校验密码成功后,所述客户则可以利用所述账务系统完成收费业务交易的相关操作。 After the bank accounting system password check real-time communication with success, the customer can take advantage of the complete accounting system operating charges related business transactions.

但是,每个客户一般都会有多家银行发行的银行卡,携带很不方便,而且容易丟失,这样会给客户带来许多麻烦。 However, each customer will generally have a number of bank cards issued by banks, very convenient to carry and easy to lose, this will give the customer a lot of trouble. 此外,由于银行卡的记录信息都存储在背面的磁条上,而手机、微波炉、电脑、电冰箱、电视机等高磁性物品工作时发生的高频电磁波所产生的强磁场都会把信用卡磁化,使所记录信息紊乱,即造成银行卡被消磁,从而造成银行卡失效。 In addition, due to the strong magnetic field of high frequency electromagnetic waves recorded bank card information stored on the magnetic stripe on the back, and occurs when cell phones, microwave ovens, computers, refrigerators, televisions high magnetic materials work generated by the credit card will be magnetized, so that the recorded information disorder, i.e., causing bank card is demagnetized, resulting in failure of the bank card. 另外,两张银行卡的磁条如果重叠在一起,也很有可能同时被消磁。 In addition, two magnetic stripe bank cards if overlap, most likely at the same time be demagnetized. 此外,女士提包的磁性暗扣、 部分医学检查设备如核磁共振仪也会造成银行卡的磁化。 In addition, Ms. bag magnetic buckle dark, some medical equipment such as nuclear magnetic resonance examination can also cause magnetic bank cards. 除此之外,磨损、 In addition, wear and tear,

刮伤、扭曲也会使银行卡失效。 Scratch, twist also make bank card failure. 当客户的银行卡失效后,POS则无法识别失效后的银行卡,因此,客户无法利用POS进行收费业务交易,给客户带来了麻烦。 After the failure of the customer's bank card, POS is not recognized after the failure of a bank card, so customers can not charge for the use of POS business transactions and give customers the trouble.

发明内容 SUMMARY

本发明的第一个方面是提供一种P0S支付方法,用以解决P0S只能识别银行卡进行收费业务交易的问题,实现利用二维码电子凭证在POS上进行收 The first aspect of the present invention is to provide a P0S payment method to solve the problem P0S only identify bank card to charge business transactions, implemented using two-dimensional code electronic credentials received at the POS

费业务交易。 Fee business transactions.

本发明的第二个方面是提供一种P0S,用以解决POS只能识别银行卡进行收费业务交易的问题,实现POS能够识别二维码电子凭证。 The second aspect of the present invention is to provide a P0S, to solve the problem only recognizes POS bank card to charge business transactions, POS achieve two-dimensional code capable of identifying electronic documents.

本发明第一个方面通过一些实施方式提供了如下的技术方案:提供一种销售点终端机支付方法,包括以下步骤: The first aspect of the present invention provides a number of embodiments by way of the following technical solution: a point of sale terminal to provide a payment method, comprising the steps of:

步骤IO、 POS对携带有银行账户信息的二维码电子凭证进行两次扫描,并依次识读出所述二维码电子凭证的基础二维码信息和验证二维码信息,发送所述基础二维码信息和验证二维码信息到验证平台; Step IO, POS carrying bank account information on the two-dimensional code scanning electronic document twice, and sequentially reading out the underlying two-dimensional code information and the verification information of the two-dimensional code of the electronic certificates two-dimensional code, the transmitting base QR code and two-dimensional code verification information to the verification platform;

步骤20、所述验证平台对所述二维码电子凭证进行验证; Step 20, the verification of the platform credential to authenticate electronic two-dimensional code;

步骤30、所述二维码电子凭证验证通过后,所述POS通过银行帐务系统执行收费业务交易。 After step 30, the electronic certificate authentication by the two-dimensional code, the POS accounting system by performing banking business transaction fees.

本发明第一个方面的实施方式通过POS对携带银行帐户信息的二维码电子凭证进行扫描,识读出上述银行帐户信息,使得能够利用移动终端中的二维码电子凭证在POS上进行业务交易的操作,避免了银行卡消磁后POS无法识别的现象的发生,而且方法简单,容易操作。 Embodiment of the first aspect of the present invention, a POS two-dimensional code by carrying electronic documents scanning bank account information, bank account information reading out above, enables the use of two-dimensional code in the electronic certificate of the mobile terminal performs operations on the POS trading operation, to avoid the occurrence of the bank card degaussing POS unrecognized phenomenon, and the method is simple and easy to operate. 此外,通过POS对上述二维码电子凭证进行的第二次扫描,可以进一步验证上述二维码电子凭证的真伪, 更加确保了POS支付的安全性。 In addition, the second scan two-dimensional code on the POS electronic credentials, you can further verify the authenticity of the two-dimensional code electronic certificates, and more to ensure the safety of POS payments.

本发明第二个方面通过另一些实施方式提供了如下的技术方案:提供一种销售点终端机,包括: A second aspect of the present invention provides other embodiments the following technical solution: providing a point of sale terminal, comprising:

识读模块,用于对携带有银行账户信息的二维码电子凭证进行两次扫描, Reader module for carrying the bank account information of two-dimensional code scanning electronic credentials twice,

并依次识读出所述二维码电子凭的基础二维码信息和验证二维码信息; And sequentially reading out the underlying two-dimensional code information and the verification information of the two-dimensional code with the two-dimensional code of the electron;

控制模块,与所述识读模块连接,用于发送所述识读模块识读出的所述基础二维码信息和验证二维码信息,以供对所述二维码电子凭证进行验证, A control module connected to said reading means for reading the basic module transmitting the two-dimensional code reading a two-dimensional code information and the verification information for the two-dimensional code to verify the electronic documents,

以及对输入信息和输出信息进行控制; And the control of input information and output information;

交易模块,与所述控制模块连接,用于所述二维码电子凭证通过验证后, 执行收费业务交易。 Transaction module, connected with the control module, the two-dimensional code for electronic credentials are authenticated, performing business transactions costs.

本发明第二个方面的实施方式通过上述识读模块对携带银行帐户信息的二维码电子凭证进行扫描,识读出上述银行帐户信息,避免了银行卡消磁后P0S无法识别的现象的发生,而且结构简单,容易操作。 Embodiment of the second aspect of the present invention, two-dimensional code is scanned electronic document bank account information carried by said reading module, a reading above bank account information, to avoid the occurrence of the demagnetization card P0S unrecognized phenomenon, simple structure, easy to operate. 此外,通过识读模块对上述二维码电子凭证进行的第二次扫描,可以进一步识读出上述二维码电子凭证的验证二维码信息,以供验证上述二维码电子凭证的真伪,更加确保了P0S支付的安全性。 Further, the second scan of the two-dimensional code reading module for electronic documents, and further reading out the two-dimensional QR code verification code of electronic documents, for the two-dimensional code to verify the authenticity of electronic certificates , and more to ensure the safety of P0S payments.

附图说明 BRIEF DESCRIPTION

下面通过附图和实施方式,对本发明的技术方案做进一步的详细描述。 The following drawings and embodiments, detailed description of the further aspect of the present invention. 图1为本发明POS支付方法的第一实施方式的流程示意图; 图2为本发明P0S支付方法的第二实施方式的流程示意图; 图3为本发明P0S的一实施方式的结构示意图。 Schematic flow chart of the second embodiment of FIG. 2 P0S payment method of the present invention;; schematic flow chart of a first embodiment of a POS payment method of the present invention. FIG. 3 is a schematic structural view of an embodiment of the present invention P0S.

具体实施方式 Detailed ways

二维条码技术具有高密度、大容量等特点,是传统一维条码所不能比拟的。 Technical dimensional bar code having a high density, high capacity, etc., is a traditional one-dimensional bar can not be compared. 它可以表述文本信息、数据文件(特别是汉字文件)、图片等数据。 It can be expressed in text messages, data files (especially Chinese characters files), images and other data. 二维条码在信息量、保密性、抗污染和抗干扰及标准化等方面具有明显的优势, 是实现网络化信息管理的最理想方法之一。 Two-dimensional bar code has obvious advantages in the amount of information, confidentiality, anti-pollution and anti-jamming and other aspects of standardization, it is one of the best methods to achieve network information management.

作为一种全新的自动识别和信息载体技术,二维条码的经济性和可靠性正被越来越多的人们所了解和认知。 As a new information carrier and automatic identification technology, two-dimensional bar code in the economy and reliability are being more and more understanding and awareness of the people. 本发明实施方式涉及的二维码电子凭证可以看成是一种"虛拟银行卡",其中包含有一张基础二维码图片和多张用于验证上述二维码电子凭证真伪的隐藏二维码图片,上述隐藏二维码图片是嵌入在上述基础二维码图片中的,即与上述基础二维码图片合成了一体,它们各自具有唯一的标识信息。 Two-dimensional electronic voucher codes embodiment of the present invention can be seen as a kind of "virtual card", which contains a basic two-dimensional code hidden pictures and multiple two-dimensional two-dimensional code is used to verify the authenticity of electronic documents code image, the above-described two-dimensional code hidden image is embedded in said base in a two-dimensional code image, i.e., the above-described two-dimensional code based one synthesized image, each having unique identification information. 上述基础二维码图片包含的基础二维码信息和隐藏二维码图片包含的隐藏二维码信息中均携带有客户银行帐户的信息。 The basis of the two-dimensional code information and hidden hidden QR code above basic two-dimensional code images of two-dimensional code images in both carries the information of the customer's bank account.

如图l所示,为本发明P0S支付方法的第一实施方式的流程示意图。 As shown in FIG. L, a schematic flow chart of a first embodiment of the present invention P0S payment method. this

实施方式包括以下步骤: Embodiment comprising the steps of:

步骤10 、 P0S对携带有客户的银行账户信息的二维码电子凭证进行两次扫描,并依次识读出上述二维码电子凭证的基础二维码信息和一睑证二维码信息, 发送上述基础二维码信息和验证二维码信息到验证平台; Step 10, P0S to carry the customer's bank account information of two-dimensional code scanning electronic credentials twice, and sequentially reading out said basic two-dimensional code information two-dimensional code electronic certificates and a two-dimensional code eyelid license information, send said basic two-dimensional code information and the verification information to the two-dimensional code verification platform;

步骤20、验证平台对上述二维码电子凭证进行验证; Step 20, the two-dimensional code verification platform for electronic authentication credentials;

步骤30、上述二维码电子凭证验证通过后,上述P0S通过4艮行帐务系统执行收费业务交易。 After step 30, the two-dimensional electron certificate validation code by the P0S by Gen-line accounting system 4 performs charging business transaction.

本实施方式中,二维码电子凭证是存储在移动终端内的,携带非常方便。 In the present embodiment, two-dimensional code in the electronic certificate of the mobile terminal is very convenient to carry stores. 通过POS对上述二维码电子凭证的有效识读,使得利用POS进行收费业务交易不再局限于银行卡了,减少了客户使用银行卡可能带来的麻烦,避免了客户忘记携带银行卡或银行卡被消磁而无法使用POS进行收费业务交易操作的情况发生。 Through effective two-dimensional code reading on POS electronic documents, making use of POS business transactions are no longer limited to charge bank card, reducing the hassle of using a bank card customers may bring, avoiding customers forget to bring a bank card or bank the situation is demagnetized card can not be used to charge POS operating business transactions occur.

此外,上述本发明POS支付方法的实施方式中,为了进一步达到校验上 Further, the above-described embodiments of the present invention, the POS payment method in order to achieve a further check

述二维码电子凭证真伪的目的,pos对上述二维码电子凭证进行两次扫描, Said two-dimensional code object authenticity of the electronic certificate, pos electronic certificate of the two-dimensional code is scanned twice,

依次识读出上述二维码电子凭证的基础二维码信息和验证二维码信息,以供验证平台进行验证。 Sequentially reading out the underlying two-dimensional code information and the verification information of the two-dimensional code is a two-dimensional code of the electronic certificate, to verify the system for verification. 上述验证平台可以设置在银行的帐务系统中,也可以独立设置。 The verification platform may be provided in the bank's accounting system, you may be set independently.

上述本发明P0S支付方法的实施方式中,上述扫描识读操作中所使用的 P0S embodiment of the present invention, the payment method, the scanning reading operations used

验证二维码图片是二维码电子凭证中多张隐藏二维码图片中的任意一张,或是在客户端动态生成的动态二维码图片。 Verify any two-dimensional code is a two-dimensional code images of electronic documents in multiple two-dimensional code hidden in the picture, or at the client dynamically generated dynamic two-dimensional code images. 上述隐藏二维码图片和动态二维码图片中都包含有客户银行帐户的信息。 The above-mentioned two-dimensional code hidden images and dynamic images are two-dimensional code that contains information the customer's bank account.

如图2所示,为本发明POS支付方法的第二实施方式的流程示意图。 Schematic flow chart of the second embodiment shown in Figure 2, the present invention POS payment method. 与上一实施方式相比,本实施方式中,上述步骤l之前还可以包括以下步骤: Compared with the previous embodiment, the present embodiment, prior to step l above may further comprise the step of:

步骤01、移动终端的屏幕上显示出上述二维码电子凭证中所包含的基础二维码图片,上述基础二维码图片中嵌入了至少一张隐藏二维码图片。 Step 01, the display screen of the mobile terminal on the basis of the two-dimensional code image in the two-dimensional code included in the electronic document, said basic two-dimensional code image is embedded in at least a two-dimensional code hidden image.

与上一实施方式相比,本实施方式中上述步骤l具体可以为以下步骤: Compared with the previous embodiment, the present embodiment may be particularly above step l the following steps:

步骤ll、 POS对携带有银行账户信息的二维码电子凭证进行初始扫描,识读出上述二维码电子凭证中所包含的基础二维码图片的基础二维码信息,并 Step ll, POS for carrying the bank account information of two-dimensional electronic voucher codes initial scan, the basis of the two-dimensional code information reading out the basis of two-dimensional code picture of the two-dimensional electronic voucher codes contained in, and

生成一个状态标识; Generates a state identifier;

步骤l 2 、上述POS根据上述状态标识判断出还需要对上述二维码电子凭证进行扫描; Step l 2, it is determined that the above-described POS identifying the two-dimensional code also requires the electronic documents are scanned according to the above condition;

步骤13、上述POS生成系统验证码,上述系统验证码用于提取一张验证二维码图片以供验证平台对所述二维码电子凭证的真伪进行验证; Step 13, generating the above-described POS system codes, codes for extracting said system a two-dimensional code image verification for verification of the authenticity of said two-dimensional code internet electronic certificate is verified;

步骤14、客户利用上述系统验证码,在移动终端的客户端中提取一张用于验证所述二维码电子凭证的真实性的验证二维码图片; Step 14, the client system using the codes, the extracted two-dimensional code image for verification of the authenticity of said two-dimensional code for verifying an electronic certificate of the client in the mobile terminal;

步骤15、上述POS对上述二维码电子凭证进行再次扫描,识读出上述二维 Step 15, the above-described two-dimensional code for POS electronic documents scanned again, reading out the two-dimensional

码电子凭证中所包含的上述验证二维码图片的验证二维码信息; Electronic Document code included in the verification of the two-dimensional code verification QR code image;

步骤16、发送上述基础二维码信息、上述验证二维码信息和上述系统验 Step 16 transmits the underlying two-dimensional code information, the verification information and the two-dimensional code inspection system

证码到验证平台。 Card verification code to the platform.

其中,上述步骤13具体可以为: Wherein the step 13 may be:

POS以其识读出的上述基础二维码信息、P0S的终端号和P0S的系统时间作为种子,通过单向函数生成系统验证码,如:利用安全p合希(Safe-Hash Algorithm,以下简称SHA )算法生成4位或6位的系统验证码,上述P0S将生成的上述系统验证码提示给客户,客户在移动终端的客户端输入上述系统验证码,提取一张验证二维码图片。 POS its reading out the underlying two-dimensional code information, the system time of the terminal number and P0S P0S as a seed, by way function codes generating system, such as: p using secure engagement Xi (Safe-Hash Algorithm, hereinafter referred to as SHA) algorithm generates four or six code verification system, said system above P0S generated codes presented to the customer, the customer client mobile terminal ends the input to the system codes, extracting a two-dimensional code image verification. 上述验证二维码图片可以是一张隐藏二维码图片,还可以是客户端动态生成一张动态二维码图片。 The verification D barcode image may be a two-dimensional code hidden pictures, it can also be a client to dynamically generate a dynamic two-dimensional code images. 上述动态二维码图片中也携带由客户银行帐户的信息。 The moving picture also carries two-dimensional code information from the customer's bank account.

与上一实施方式相比,本实施方式中,上述步骤20具体可以为以下步骤: 步骤21 、验证平台验证上述二维码电子凭证的真实性; 步骤22、上述二维码电子凭证的真实性验证成功后,验证平台再验证上述二维码电子凭证的有效性。 Compared with the previous embodiment, the embodiment of the present embodiment, the step 20 may be specifically the following steps: Step 21, verification platform to verify the authenticity of electronic certificates two-dimensional code; step 22, the authenticity of the electronic certificate of the above-described two-dimensional code after successful authentication, verification platform and then verify the validity of the two-dimensional code electronic certificates.

上述验证平台可以根据上述POS识读出的上述基础二维码信息和验证二维码信息、以及上述系统验证码对上述二维码电子凭证的真实性进行验证。 The verification platform can be verified based two-dimensional code based on the two-dimensional code information and the verification information, and said reading out of the POS system according to the codes of the two-dimensional code authenticity of electronic documents. 上述二维码电子凭证的真实性验证成功后,验证平台可以根据客户输入的上述二维码电子凭证的交易安全码(即使用密码),验证上述二维码电子凭证的有效性。 After the authenticity of the two-dimensional code electronic certificate authentication is successful, the transaction verification platform based on the two-dimensional code security code electronic credentials entered by the client (ie password) to verify the validity of the two-dimensional code electronic certificates. 上述验证成功后,用户即可利用上述POS通过银行帐务系统执行收费业务交易了。 After the verification is successful, the user can execute a business transaction fee by the bank accounting system using the POS.

本实施方式中,通过POS对上述二维码电子凭证的有效识读,使得利用POS进行收费业务交易不再局限于银行卡了,减少了客户使用银行卡可能带 In the present embodiment, by effectively on the two-dimensional code reading POS electronic certificates, such business transactions using POS charges no longer confined to a bank card, reducing the customer may use the card with

来的麻烦,避免了客户忘记携带银行卡或银行卡被消磁而无法使用P0S进行收费业务交易操作的情况发生。 To trouble, to avoid the situation of customers forget to bring a bank card or bank card was demagnetized can not be used to charge P0S business trading operations take place. 客户只要随身携带有能够存储二维码电子凭 As long as the customer has to carry two-dimensional code capable of storing electronic with

证的手机,即可在POS上完成收费业务交易的操作,简单易于实现。 Phone card, to complete the operation in charge of business transactions on POS, simple and easy to implement.

本实施方式中,上述POS对二维码电子凭证的扫描和识读次数两次,对于一般P0S支付系统来说,为了验证二维码电子凭证的真伪,进行两次扫描和识读就够了。 In the present embodiment, the above-described POS scanning and reading two dimensional code frequency electronic certificates, for general P0S payment system, in order to verify the authenticity of electronic certificates two-dimensional code, for scanning and reading two enough a. 如果POS支付系统对安全性要求较高的话,也可以进行多次 If the POS payment system for higher security requirements, it can be performed more

扫描,识读出多个验证二维码信息,充分保证支付业务的安全性。 Scanning, reading a plurality of two-dimensional code information verification, to ensure full payment of the security services. 进行多次扫描与识读的操作与本实施方式类似,此处不再赘述。 Similar multiple scanning and reading operation of the present embodiment will not be repeated here.

如图3所示,为本发明POS的一实施方式的结构示意图。 As shown in FIG. 3, a schematic structural diagram of an embodiment of the invention POS of the present embodiment. 本实施方式包括: 识读模块40,用于对携带有银行账户信息的二维码电子凭证进行两次扫描, 并依次识读出上述二维码电子凭的基础二维码信息和验证二维码信息;控制模块50,与识读模块40连接,用于发送识读模块40识读出的上述基础二维码信息和验证二维码信息、以及所述二维码电子凭证的交易安全码,以供对上述二维码电子凭证进行验证,以及对输入信息和输出信息进行控制;交易模块60,与控制模块50连接,用于上述二维码电子凭证通过验证后,执行收费收费业务交易。 This embodiment comprises: reading module 40, for carrying the bank account information of the two-dimensional code scanning electronic document twice, and sequentially reading out the underlying two-dimensional code information and the verification with the two-dimensional electrons in the two-dimensional code code information; and a control module 50, 40 is connected to the reading module, said basic module for transmitting a two-dimensional code reading information and the verification information of the two-dimensional code 40 reading out, the two-dimensional code, and electronic transaction voucher security code , for the two-dimensional code to an electronic authentication credentials, and the control of input information and output information; transaction module 60 and control module 50 is connected, for the two-dimensional code is verified electronic documents, performing business transaction fees charged .

本实施方式中,识读模块40可以包括:扫描单元,用于对携带有银行账 The present embodiment, the reader module 40 may include: a scanning unit, for carrying the bank account

户信息的二维码电子凭证进行两次扫描;识读单元,与上述扫描单元连接, Electronic two-dimensional code credential user information scanned twice; reading means connected to said scanning means,

用于根据上述扫描单元两次扫描的结果分别识读出上述二维码电子凭的勤出 For respectively reading out the two-dimensional code showing the electronic ground with the result of the scanning unit twice scans

二维码信息和验证二维码信息;处理单元,分别与上述识读单元和控制模块 Two-dimensional code information and the verification information of the two-dimensional code; a processing unit, reading unit described above, respectively and a control module

连接,根据上述基础二维码信息生成用于提取验证二维码图片的系统验证码。 Connection, generates a two-dimensional code image extracting verification system based on the underlying two-dimensional codes code information.

客户将上述系统验证码输入到移动终端的客户端后,能够提取出一张嵌入在 After the above-described system customer input codes to the mobile client terminal can be extracted in an embedded

基础二维码图片中的隐藏二维码图片或者一张由客户端动态生成的动态二维码图片,上述扫描单元对上述隐藏二维码图片或者动态二维码图片进行扫描, Base two-dimensional code image in the two-dimensional code image hidden by the client or a dynamically generated dynamic two-dimensional code images, the scanning means of the above-described two-dimensional code image or a dynamic hidden code image to a two-dimensional scanning,

识读出隐藏二维码信息或者动态二维码信息。 Reading the hidden dynamic QR code or two-dimensional code information. 控制模块50发送识读模块40识 The control module 50 sends identification reader module 40

读出的基础二维码信息和验证二维码信息(即上述隐藏二维码信息或者动态二维码信息)、上述系统验证码、以及所述二维码电子凭证的交易安全码,以供一验证平台对所述二维码电子凭证进行验证。 Underlying two-dimensional code information and the verification information read out two-dimensional code (QR code hidden i.e. above or a dynamic two-dimensional code information), said system codes, two-dimensional code, and the electronic voucher transaction security code, for a two-dimensional code to said verification platform for electronic certificate authentication.

上述本发明POS实施方式通过设置一个识读模块对携带银行帐户信息的二维码电子凭证进行扫描,识读出上述银行帐户信息,避免了银行卡消磁后POS无法识别的现象的发生,而且结构简单,容易操作。 POS embodiment of the present invention, the above-described embodiment of the two-dimensional code is scanned electronic document carrying bank account information provided by a reading module, a reading above bank account information, credit card to avoid the occurrence of the demagnetization POS unrecognized phenomenon, and the structure simple, easy to operate. 客户只要随身携带有能够存储二维码电子凭证的手机,即可在POS上完成收费业务交易的操作, 筒单易于实现。 As long as customers have to carry electronic documents can be stored two-dimensional code mobile phone, to complete the operation in charge of business transactions on POS, single-cylinder easy to implement.

此外,上述本发明POS实施方式通过识读模块对上述二维码电子凭证进行的第二次扫描,可以进一步识读出上述二维码电子凭证的验证二维码信息, 以供验证上述二维码电子凭证的真伪,更加确保了POS支付的安全性。 In addition, POS embodiment of the present invention by a second scan of the two-dimensional code reading module for electronic documents, and further reading out the two-dimensional QR code verification code electronic certificates to verify for the two-dimensional authenticity code electronic certificates, and more to ensure the safety of POS payments.

最后应说明的是:以上实施方式仅用以说明本发明的^t支术方案,而非对其限制;尽管参照前述实施方式对本发明进行了详细的说明,本领域的普通技术人员应当理解:其依然可以对前述各实施方式所记载的技术方案进行修改,或者对其中部分技术特征进行等同替换;而这些修改或者替换,并不使相应技术方案的本质脱离本发明各实施方式技术方案的精神和范围。 Finally, it should be noted that: the above embodiments are intended to illustrate ^ t branched technique of the present invention, rather than limiting; While the present invention has been described in detail with reference to the foregoing embodiments, those of ordinary skill in the art should be understood: may still be made to the embodiments described in the foregoing embodiments the modified embodiment, part of the technical features or equivalent replacements; such modifications or replacements do not cause the essence of corresponding technical solutions to depart from the technical solutions of the embodiments of the present invention and scope.

Claims (11)

1、一种销售点终端机支付方法,其特征在于:包括以下步骤:步骤10、销售点终端机对携带有银行账户信息的二维码电子凭证进行两次扫描,并依次识读出所述二维码电子凭证的基础二维码信息和验证二维码信息,发送所述基础二维码信息和验证二维码信息到验证平台;步骤20、所述验证平台对所述二维码电子凭证进行验证;步骤30、所述二维码电子凭证验证通过后,所述销售点终端机通过银行帐务系统执行收费业务交易。 A point of sale terminal a payment method, characterized by: comprising the following steps: Step 10, point of sale terminals for carrying two-dimensional code bank account information of the electronic document scanned twice, and sequentially reading out said two-dimensional code based electronic certificates dimensional code information and the verification information of the two-dimensional code, the underlying two-dimensional code transmitted information and the verification information to the two-dimensional code verification platform; step 20, the two-dimensional code to verify the electronic platform authentication credentials; step 30, the two-dimensional code after the electronic certificate authentication by the point of sale terminal performs charging by the bank accounting system, the business transaction.
2、 根据权利要求l所述的销售点终端机支付方法,其特征在于:所述步骤l之前还包括:步骤01、移动终端的屏幕上显示所述二维码电子凭证的基础二维码图片, 所述基础二维码图片中嵌入了至少一张隐藏二维码图片。 2, a point of sale terminal according to the payment method as claimed in claim l, wherein: prior to said step l further comprising: a step 01, the two-dimensional code display electronic certificates based on the two-dimensional code image screen of the mobile terminal, the basic two-dimensional code images are embedded in at least a two-dimensional code hidden picture.
3、 根据权利要求l所述的销售点终端机支付方法,其特征在于:所述步骤l具体为:步骤l 1 、销售点终端机对携带有银行账户信息的二维码电子凭证进行初始扫描,识读出所述二维码电子凭证中基础二维码图片的基础二维码信息, 并生成状态标识;步骤l2、根据所述状态标识判断出还需要对所述二维码电子凭证进行扫描;步骤13、所述销售点终端机生成系统验证码;步骤14、客户利用所述系统验证码,在移动终端的客户端中提取一张用于验证所述二维码电子凭证的真实性的验证二维码图片;步骤15、所述销售点终端机对所述二维码电子凭证进行再次扫描,识读出所述二维码电子凭证中所述验证二维码图片的验证二维码信息;步骤16、发送所述基础二维码信息、所述验证二维码信息和所述系统验证码到验证平台。 3, point of sale terminal according to the payment method as claimed in claim l, wherein: said step l specifically is: Step l. 1, point of sale terminals for carrying two-dimensional code information, bank account credentials initial scanning electron , the underlying two-dimensional code information reading the two-dimensional code in the electronic document based two-dimensional code image, and generates a state identifier; step L2, it is determined that the identification according to the state of the two-dimensional code also requires electronic credentials scan; step 13, the point of sale terminal authentication code generation system; step 14, the client system using the authentication code, an extraction for verifying the authenticity of electronic certificates in the two-dimensional code client mobile terminal the two-dimensional code image for verification; step 15, the point of sale terminal to the two-dimensional code scanning electron credentials again, reading out the two-dimensional code verification dimensional electronic document in the two-dimensional code image verification code information; step 16, the base transmission QR code, the QR code verification and authentication code to the authentication system of the internet.
4、 根据权利要求3所述的销售点终端机支付方法,其特征在于:所述步骤13具体为:所述销售点终端机以所述基础二维码信息、所述销售点终端机的终端号和所述销售点终端机的系统时间作为种子,通过单向函数生成系统验证码。 4, point of sale terminal according to claim payment method according to claim 3, wherein: the step 13 particularly comprises: the point of sale terminal to the underlying two-dimensional code information, point of sale terminal to terminal system time number and the point of sale terminal as a seed, a one-way function codes generated by the system.
5、 根据权利要求3所述的销售点终端机支付方法,其特征在于:所述步骤14具体为:客户利用所述销售点终端机提示的系统验证码,在移动终端的客户端中提取一张隐藏二维码图片。 5, point of sale terminal according to claim payment method according to claim 3, wherein: the step 14 specifically is: the customer terminal using the point of sale system prompt codes, extracting a client in a mobile terminal Zhang dimensional code hidden picture.
6、 根据权利要求3所述的销售点终端机支付方法,其特征在于:所述步骤14具体为:客户利用所述销售点终端机提示的系统-睑证码,在移动终端的客户端中提取一张动态生成的动态二维码图片。 6, point of sale terminal according to claim payment method according to claim 3, wherein: the step 14 specifically is: the customer terminal using the point of sale system prompts - eyelid card code, at the mobile client terminal extracting a dynamic two-dimensional code dynamically generated images.
7、 根据权利要求l-6所述的任一销售点终端机支付方法,其特征在于: 所述步骤20具体为:步骤21 、验证平台验证所述二维码电子凭证的真实性; 步骤22、所述二维码电子凭证的真实性验证成功后,验证平台再验证所述二维码电子凭证的有效性。 7, a point of sale terminal according to any one of l-6 payment method according to claim, wherein: the step 20 specifically is: step 21, verifying the authenticity of said two-dimensional code verification internet electronic certificates; Step 22 after the authenticity of the two-dimensional code electronic certificate authentication is successful, then verification platform to verify the validity of the two-dimensional code electronic certificates.
8、 根据权利要求7所述的销售点终端机支付方法,其特征在于:所述步骤21具体为:验证平台根据所述销售点终端机识读出的所述二维码电子凭"^正的基础二维码信息和验证二维码信息、以及上述系统验证码对所述二维码电子凭证的真实性进行验证。 8, point of sale terminal according to claim payment method according to claim 7, wherein: the step 21 particularly comprises: the verification platform accordance with said point of sale terminal with an electronic reading two-dimensional code "^ n the underlying two-dimensional code information and the verification information of the two-dimensional code, the system codes and said two-dimensional code of the authenticity of electronic certificates for authentication.
9、 根据权利要求7所述的销售点终端机支付方法,其特征在于:所述步骤22具体为:所述二维码电子凭证的真实性验证成功后,验证平台根据所述二维码电子凭证的交易安全码,验证所述二维码电子凭证的有效性。 9, point of sale terminal according to claim payment method according to claim 7, wherein: the step 22 specifically is: After successful verification the authenticity of electronic documents of the two-dimensional code, according to the two-dimensional code verification platform electronic certificate of transaction security code, verify the validity of the two-dimensional code electronic certificates.
10、 一种销售点终端机,其特征在于:包括:识读模块,用于对携带有银行账户信息的二维码电子凭证进行两次扫描, 并依次识读出所述二维码电子凭的基础二维码信息和验证二维码信息;控制模块,与所述识读模块连接,用于发送所述识读才莫块识读出的所述基础二维码信息和验证二维码信息、以及所述二维码电子凭证的交易安全码, 以供对所述二维码电子凭证进行验证,以及对输入信息和输出信息进行控制;交易模块,与所述控制模块连接,用于所述二维码电子凭证通过验证后, 执行收费业务交易。 10. A point of sale terminal, characterized by: comprising: reading means for carrying bank account information on the two-dimensional code scanning electronic document twice, and sequentially reading out the two-dimensional code with an electronic the underlying two-dimensional code information and the verification information of the two-dimensional code; and a control module connected to said reading means for reading the transmission block before reading out the Mo underlying two-dimensional two-dimensional code information and the verification code information, and the electronic voucher transaction two-dimensional code security code, for the two-dimensional code for electronic certificate authentication, and outputs the input information and control information; transaction module, connected with the control module for the two-dimensional code electronic credentials are authenticated, the transaction fee is charged to the business.
11、 根据权利要求10所述的销售点终端机,其特征在于:所述识读模块包括:扫描单元,用于对携带有银行账户信息的二维码电子凭证进行两次扫描; 识读单元,分别与所述扫描单元和控制模块连接,用于根据所述扫描单元两次扫描的结果分别识读出所述二维码电子凭的基础二维码信息和验证二维码信息;处理单元,与所述识读单元连接,根据所述基础二维码信息生成用于提取^S正二维码图片的系统验证码。 11. The point of sale terminal according to claim 10, characterized in that: said reader module comprising: a scanning unit for bank account information carries the two-dimensional code is scanned twice electronic certificates; reading unit , respectively connected to the scanning unit and a control module, according to a scanning result of the scanning unit are two-dimensional code reading the basic information and the verification information of the two-dimensional code with an electronic two-dimensional code; a processing unit connected to the reading means, according to the base QR code ^ S n two-dimensional code image generation system for extracting codes.
CN 200710121185 2007-08-30 2007-08-30 Point-of-sale terminals and payment method thereof CN101377874A (en)

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Cited By (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN102934132A (en) * 2010-04-09 2013-02-13 佩蒂安特股份有限公司 Mobile phone payment processing methods and systems
CN103218884A (en) * 2012-11-29 2013-07-24 彭超 Bus card swiping system by applying cell phone two-dimensional code technology
CN104364807A (en) * 2012-03-19 2015-02-18 加拿大皇家铸币厂 Using bar-codes in an asset storage and transfer system
CN105659641A (en) * 2013-08-09 2016-06-08 贝宝公司 System and methods for account creation using a feature phone
CN106228352A (en) * 2009-05-01 2016-12-14 高通股份有限公司 Close to buying tone
CN106355793A (en) * 2016-11-22 2017-01-25 钱包智能(平潭)科技有限公司 Card swiping device and POS machine
US10115088B2 (en) 2010-04-09 2018-10-30 Paypal, Inc. Methods and systems for selecting accounts and offers in payment transactions

Cited By (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN106228352A (en) * 2009-05-01 2016-12-14 高通股份有限公司 Close to buying tone
CN102934132A (en) * 2010-04-09 2013-02-13 佩蒂安特股份有限公司 Mobile phone payment processing methods and systems
US10115088B2 (en) 2010-04-09 2018-10-30 Paypal, Inc. Methods and systems for selecting accounts and offers in payment transactions
CN104364807A (en) * 2012-03-19 2015-02-18 加拿大皇家铸币厂 Using bar-codes in an asset storage and transfer system
CN103218884A (en) * 2012-11-29 2013-07-24 彭超 Bus card swiping system by applying cell phone two-dimensional code technology
CN105659641A (en) * 2013-08-09 2016-06-08 贝宝公司 System and methods for account creation using a feature phone
CN106355793A (en) * 2016-11-22 2017-01-25 钱包智能(平潭)科技有限公司 Card swiping device and POS machine

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