CN102567877A - Field payment method, equipment and system - Google Patents
Field payment method, equipment and system Download PDFInfo
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- CN102567877A CN102567877A CN2011103935784A CN201110393578A CN102567877A CN 102567877 A CN102567877 A CN 102567877A CN 2011103935784 A CN2011103935784 A CN 2011103935784A CN 201110393578 A CN201110393578 A CN 201110393578A CN 102567877 A CN102567877 A CN 102567877A
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Abstract
The embodiment of the invention discloses a field payment method and also provides corresponding equipment and system. According to the invention, by acquiring a payment completion two-dimensional code, then analyzing encryption information, a payment amount and a payer ID (identity card) from the payment completion two-dimensional code, verifying the encryption information carried in the payment completion two-dimensional code by a locally preset key and displaying the payment amount and the payer ID in the payment completion two-dimensional code if the encryption information passes through the verification, the payment completion two-dimensional code which is verified by the locally set key shows that the payment completion two-dimensional code is from a reliable payment platform and the payment is reliable, and thus, a consumer can complete the payment only by a networking device of the consumer and a merchant can judge whether the payment is completed only by verifying the payment completion two-dimensional code sent by the consumer, so that the time of queuing to pay is saved, the efficiency of field payment is improved and the payment experience of the consumer is also improved.
Description
Technical field
The present invention relates to the computing machine communication field, particularly relate to a kind of on-site payment method, equipment and system.
Background technology
Along with science and technology development, network payment becomes the common modes of payments of people's routine work and life gradually.The both sides of network payment need possess networking or communication condition separately, and a square tube of payment is crossed the network payment tool implementation payment that the third party provides, and modes such as one of gathering can be audited through SMS notification, phone, network inquiry are confirmed payment result.
Present most of consumption and payment still is that the scene is consumed then the scene and paid; Means of payment mainly contain pays in cash and bankcard consumption; When the user of the needs at scene payment is many, can meet the situation that stands in a long queue and check unavoidably, so not only waste time and energy; Easy error has also influenced consumer's consumption satisfaction.
Summary of the invention
The technical matters that the present invention mainly solves provides a kind of on-site payment method, and corresponding apparatus and system also are provided, and the on-site payment method among the present invention can improve the efficient of on-site payment, improves consumer's payment and experiences.
For solving the problems of the technologies described above, the technical scheme that the present invention adopts is:
A kind of on-site payment method is provided, comprises:
Obtain payment from consumer payment devices and accomplish two-dimension code, wherein said, the information that two-dimension code comprises enciphered message, payment and payer ID is accomplished in payment;
From payment completion two-dimension code, parse said enciphered message, payment and payer ID;
According to being arranged on local key in advance enciphered message is verified;
If checking is passed through, then show payment and payer ID.
A kind of on-site payment equipment comprises:
First acquisition module is used for obtaining payment from consumer payment devices and accomplishes two-dimension code, and wherein, the information that two-dimension code comprises enciphered message, payment and payer ID is accomplished in payment;
Parsing module is used for accomplishing two-dimension code from payment and parses said enciphered message, payment and payer ID;
Authentication module is used for according to being arranged on local key in advance enciphered message being verified;
Display module is used for when said enciphered message is passed through the checking of authentication module, showing payment and payer ID.
A kind of on-site payment system is characterized in that, comprising:
Consumer payment devices is used for:
Send payment request message to payment platform, wherein, payment request message is drawn together payer ID, the ID of trade company, payment;
Receive the payment success message that payment platform returns, wherein, the payment success message comprises enciphered message;
Enciphered message, payer ID and payment are compiled into payment accomplish two-dimension code;
Show said payment completion two-dimension code;
On-site payment equipment is used for:
Obtain payment from consumer payment devices and accomplish two-dimension code;
From said pair of completion two-dimension code, parse said enciphered message, payment and payer ID;
According to being arranged on local key in advance enciphered message is verified;
If checking is passed through, then show payment and payer ID.
The invention has the beneficial effects as follows: be different from the situation of prior art, the present invention accomplishes two-dimension code through obtaining payment, accomplishes the two-dimension code parsing enciphered message, payment and payer ID then from this payment; Verify paying the enciphered message of carrying in the completion two-dimension code according to being arranged on local key in advance again,, then show payment and payer ID in the payment completion two-dimension code if checking is passed through; Two-dimension code is accomplished in payment through being arranged on local key authentication; Explain that it is to come from reliable payment platform that two-dimension code is accomplished in this payment, this payment is believable, so; The consumer is as long as accomplish payment through the networked devices of oneself; Businessman judges whether payment is accomplished as long as accomplish two-dimension code through the payment of checking consumer transmission, like this, has just saved the time of queuing payment; Improved the efficient of on-site payment, also improved consumer's payment and experience.
Description of drawings
Fig. 1 is the data flowchart of on-site payment method first embodiment of the present invention;
Fig. 2 is the data flowchart of on-site payment method second embodiment of the present invention;
Fig. 3 is the logical organization synoptic diagram of on-site payment apparatus embodiments of the present invention;
Fig. 4 is another logical organization synoptic diagram of on-site payment apparatus embodiments of the present invention;
Fig. 5 is the logical organization synoptic diagram of on-site payment system embodiment of the present invention.
Embodiment
See also Fig. 1, first embodiment of on-site payment method of the present invention comprises:
101, obtain payment from consumer payment devices and accomplish two-dimension code;
The consumer passes through consumer payment devices; After for example portable terminal is accomplished payment; With payment, payer ID and payment platform return enciphered message generate a payment according to the form that is provided with in advance and accomplish two-dimension code and show; On-site payment equipment obtains this payment through scanister or filming apparatus from consumer payment devices and accomplishes two-dimension code, and wherein, the information that this payment completion two-dimension code comprises can be information of enciphered message, payment, payer ID and bill ID or the like; Consumer payment devices in the present embodiment can also not limit for PDA, panel computer or the like here;
102, resolve payment and accomplish two-dimension code;
After obtaining payment completion two-dimension code, resolve then and should payment accomplish two-dimension code, from this payment completion two-dimension code, parse the information of enciphered message, payment, payer ID and payer ID or the like;
103, according to being arranged on local key in advance enciphered message is verified;
Key is to be provided by payment platform; Be encapsulated in this locality then; This key is used to verify the payment completion two-dimension code of consumer payment devices transmission; If the checking that the enciphered message of carrying in the two-dimension code is passed through this key is accomplished in payment, explain that it is to derive from corresponding payment platform that two-dimension code is accomplished in this payment, be believable; Otherwise, can not think that then it is not to derive from corresponding payment platform that two-dimension code is accomplished in this payment, can not be adopted through the checking of this key if the enciphered message of carrying in the two-dimension code is accomplished in payment;
If 104 checkings are passed through, then show payment and payer ID;
If enciphered message is through being arranged on the authentication of local key earlier in the step 103, then show the payment and the payer ID that carry in the payment completion two-dimension code, businessman just can come into plain view to consumer's payment;
In the present embodiment, accomplish two-dimension code, accomplish the two-dimension code parsing enciphered message, payment and payer ID then from this payment through obtaining payment; Verify paying the enciphered message of carrying in the completion two-dimension code according to being arranged on local key in advance again,, then show payment and payer ID in the payment completion two-dimension code if checking is passed through; Two-dimension code is accomplished in payment through being arranged on local key authentication, explains that it is to come from reliable payment platform that two-dimension code is accomplished in this payment, and this payment is believable; So the consumer is as long as accomplish payment through the networked devices of oneself, businessman judges whether payment is accomplished as long as accomplish two-dimension code through checking consumer's payment; Like this; Just saved the time of queuing payment, improved the efficient of on-site payment, also improved consumer's payment and experience.
See also Fig. 2, second embodiment of on-site payment method of the present invention comprises:
1, on-site payment equipment generates the bill two-dimension code;
The on-site payment equipment of businessman's side generates the bill two-dimension code according to consumer's some list; Wherein, The bill two-dimension code comprises the information of payment and Merchant ID at least, can also comprise information of consumer ID, Merchant ID, Merchant ID or the like, does not limit here; For example, the consumer has selected 2 cups of coffees in Startbuck, and every glass of 25RMB then generates bill: the coffee of 2 glasss of 25RMB, 50RMB altogether;
After generating the bill two-dimension code, show this bill two-dimension code again, consumer payment devices can be obtained;
2, consumer payment devices obtains the bill two-dimension code;
On-site payment equipment shows this bill two-dimension code after generating the bill two-dimension code; Consumer payment devices obtains the bill two-dimension code through scanister or filming apparatus from on-site payment equipment;
It should be noted that; If the consumer is through the mobile phone on-line payment; Consumer's on-site payment equipment when having put list generates the bill two-dimension code, and consumer payment devices can be taken this bill two-dimension code through camera, resolve this bill two-dimension code then; Get access to information of paying the amount of money, consumer ID, Merchant ID and Merchant ID in the bill two-dimension code or the like, pay through network again;
3, resolve the bill two-dimension code, generate payment request message;
After consumer payment devices gets access to the bill two-dimension code; From this bill two-dimension code, parse information such as payment, Merchant ID or Merchant ID; Obtain and be kept at local payer ID; And with payer ID, ID of trade company or Merchant ID, and payment generates payment request message according to predefined message format; Concrete, if payment platform is payment systems such as Alipay, so, only need payer ID, the ID of trade company and payment just can accomplish payment; If payment platform is banking systems such as Unionpay, then need payer ID, Merchant ID and payment just can accomplish payment; Payment request message can also comprise payer number of the account, Merchant ID or the like, does not limit here;
Wherein, the consumer payment devices in the present embodiment can not limit for mobile phone, PDA, panel computer or the like here;
4, send payment request message;
After consumer payment devices generates payment request message, send this payment request message, the request payment to payment platform; Payment platform for example wealth is paid logical, Alipay, Unionpay or the like, does not limit here;
5, pay according to payment request message;
After payment platform is received the payment request message of consumer payment devices transmission; Pay according to the payment in the payment request message, Merchant ID, payer ID; Perhaps pay, do not limit here according to the payment in the payment request message, Merchant ID, payer number of the account;
6, send the payment success message;
After payment platform is paid successfully according to payment request message; Return the payment success message to consumer payment devices, wherein, the payment success message comprises enciphered message; The payment success message can also comprise payment, payer ID, Merchant ID or the like, does not limit here; Wherein, enciphered message is the one piece of data that payment platform is encrypted according to specific AES, has only corresponding key to decipher this enciphered message;
7, generate payment and accomplish two-dimension code;
Consumer payment devices parses the various information of carrying in this payment success message after receiving the payment success message of payment platform transmission, generates payment according to payment, payer ID and enciphered message then and accomplishes two-dimension code; Two-dimension code is accomplished in payment can also comprise Merchant ID, consumption amount of money or the like, does not limit here;
8, on-site payment equipment obtains payment and accomplishes two-dimension code;
After consumer payment devices generates payment completion two-dimension code, show and payment to accomplish two-dimension code, obtain for on-site payment equipment;
On-site payment equipment obtains payment from consumer payment devices and accomplishes two-dimension code; For example; After consumer payment is accomplished; The screen that shows payment completion two-dimension code is aimed at the zone that on-site payment equipment obtains two-dimension code, and on-site payment equipment obtains payment through filming apparatus or scanister and accomplishes two-dimension code;
9, resolve payment and accomplish two-dimension code;
On-site payment equipment is accomplished two-dimension code to payment and is resolved after obtaining payment completion two-dimension code;
10, according to being pre-stored in local key the enciphered message in the payment completion two-dimension code is verified;
On-site payment equipment is accomplished two-dimension code to payment and is resolved after obtaining the payment completion two-dimension code of consumer payment devices, parses enciphered message, payment, bill ID and payer ID, perhaps also has other information, does not limit here; Obtain then and be arranged on the local corresponding key of the enciphered message with parsing in advance, and this enciphered message is verified according to this key;
Key is to be provided by payment platform; Be encapsulated in this locality then; This key is used to verify the payment completion two-dimension code of consumer payment devices transmission; If the checking that the enciphered message of carrying in the two-dimension code is passed through this key is accomplished in payment, explain that it is to derive from corresponding payment platform that two-dimension code is accomplished in this payment, be believable; Otherwise, can not think that then it is not to derive from corresponding payment platform that two-dimension code is accomplished in this payment, can not be adopted through the checking of this key if the enciphered message of carrying in the two-dimension code is accomplished in payment;
On-site payment equipment can not insert the internet, only needs the scanister or the filming apparatus that obtain two-dimension code and can obtain the payment completion two-dimension code that shows in the consumer payment devices;
11, obtain the corresponding consumption amount of money according to bill ID;
Accomplish the bill ID of bill ID that carries in the two-dimension code according to payment and obtain the corresponding consumption amount of money in the amount of money correspondence table with consuming in this locality;
12, judge whether payment is identical with the consumption amount of money;
Judge whether the payment of carrying in the two-dimension code is accomplished in payment identical with the consumption amount of money that obtains;
13, show payment and payer ID, and show successfully;
To accomplish the payment of carrying in the two-dimension code identical with the consumption amount of money that obtains if judge payment in the step 12, explains that this payment is successful, then shows payment and payer ID, and show this and pay successfully;
In the present embodiment, accomplish two-dimension code, accomplish the two-dimension code parsing enciphered message, payment and payer ID then from this payment through obtaining payment; Verify paying the enciphered message of carrying in the completion two-dimension code according to being arranged on local key in advance again,, then show payment and payer ID in the payment completion two-dimension code if checking is passed through; Two-dimension code is accomplished in payment through being arranged on local key authentication; Explain that it is to come from reliable payment platform that two-dimension code is accomplished in this payment, this payment is believable, so; The consumer is as long as accomplish payment through the networked devices of oneself; Businessman judges whether payment is accomplished as long as accomplish two-dimension code through checking consumer's payment, like this, has just saved the time of queuing payment; Improved the efficient of on-site payment; Also improve consumer's payment and experience, and on-site payment equipment can not insert the internet, only need the scanister that obtains two-dimension code or filming apparatus and can obtain the payment that shows in the consumer payment devices and accomplish two-dimension code.
See also Fig. 3 and Fig. 4, the embodiment of on-site payment equipment of the present invention comprises:
Parsing module 302 is used for accomplishing the information that two-dimension code parses enciphered message, payment and payer ID from the payment that first acquisition module 301 obtains;
Further, see also Fig. 4, the equipment in the present embodiment also comprises:
Further, display module 304 also is used to show the bill two-dimension code, so that consumer payment devices obtains this bill two-dimension code and pays according to this bill two-dimension code;
Further, the equipment in the present embodiment also comprises:
In the present embodiment, accomplish two-dimension code, accomplish the two-dimension code parsing enciphered message, payment and payer ID then from this payment through obtaining payment; Verify paying the enciphered message of carrying in the completion two-dimension code according to being arranged on local key in advance again,, then show payment and payer ID in the payment completion two-dimension code if checking is passed through; Two-dimension code is accomplished in payment through being arranged on local key authentication; Explain that it is to come from reliable payment platform that two-dimension code is accomplished in this payment, this payment is believable, so; The consumer is as long as accomplish payment through the networked devices of oneself; Businessman judges whether payment is accomplished as long as accomplish two-dimension code through checking consumer's payment, like this, has just saved the time of queuing payment; Improved the efficient of on-site payment; Also improve consumer's payment and experience, and on-site payment equipment can not insert the internet, only need the scanister that obtains two-dimension code or filming apparatus and can obtain the payment that shows in the consumer payment devices and accomplish two-dimension code.
See also Fig. 5, on-site payment system implementation example of the present invention comprises:
Send payment request message to payment platform, wherein, payment request message is drawn together payer ID, the ID of trade company, payment;
Receive the payment success message that payment platform returns, wherein, the payment success message comprises enciphered message;
Enciphered message, payer ID and payment are compiled into payment accomplish two-dimension code;
Show and payment to accomplish two-dimension code;
On-site payment equipment 502 is used for:
Obtain payment from consumer payment devices and accomplish two-dimension code;
Accomplish the information that parses enciphered message, payment and payer ID etc. the two-dimension code from payment;
According to being arranged on local key in advance enciphered message is verified;
If checking is passed through, then show payment and payer ID;
Further, the on-site payment equipment 502 in the present embodiment also is used for:
Generate the bill two-dimension code, wherein, the bill two-dimension code comprises the ID of trade company, the consumption amount of money and Merchant ID, and further, the bill two-dimension code can also comprise bill ID;
Show the bill two-dimension code, so that consumer payment devices obtains this bill two-dimension code and pays according to this bill two-dimension code;
Further, consumer payment devices 501 also is used for obtaining the bill two-dimension code from on-site payment equipment 502;
Further, the on-site payment equipment 502 in the present embodiment also is used for:
Obtain the corresponding consumption amount of money according to bill ID;
Judge whether payment is identical with the consumption amount of money;
If identical, then show payment and payer ID, and demonstration is paid successfully;
Wherein, the consumer payment devices in the present embodiment can not limit for mobile phone, PDA, panel computer or the like here;
In the present embodiment, accomplish two-dimension code, accomplish the two-dimension code parsing enciphered message, payment and payer ID then from this payment through obtaining payment; Verify paying the enciphered message of carrying in the completion two-dimension code according to being arranged on local key in advance again,, then show payment and payer ID in the payment completion two-dimension code if checking is passed through; Two-dimension code is accomplished in payment through being arranged on local key authentication; Explain that it is to come from reliable payment platform that two-dimension code is accomplished in this payment, this payment is believable, so; The consumer is as long as accomplish payment through the networked devices of oneself; Businessman judges whether payment is accomplished as long as accomplish two-dimension code through checking consumer's payment, like this, has just saved the time of queuing payment; Improved the efficient of on-site payment; Also improve consumer's payment and experience, and on-site payment equipment can not insert the internet, only need the scanister that obtains two-dimension code or filming apparatus and can obtain the payment that shows in the consumer payment devices and accomplish two-dimension code.
The above is merely embodiments of the invention; Be not so limit claim of the present invention; Every equivalent structure or equivalent flow process conversion that utilizes instructions of the present invention and accompanying drawing content to be done; Or directly or indirectly be used in other relevant technical fields, all in like manner be included in the scope of patent protection of the present invention.
Claims (10)
1. an on-site payment method is characterized in that, comprising:
Obtain payment from consumer payment devices and accomplish two-dimension code, the information that two-dimension code comprises enciphered message, payment and payer ID is accomplished in said payment;
From said payment completion two-dimension code, parse said enciphered message, payment and payer ID;
According to being arranged on local key in advance said enciphered message is verified;
If checking is passed through, then show said payment and payer ID.
2. method according to claim 1 is characterized in that, saidly before consumer payment devices obtains the step that payment accomplishes two-dimension code, also comprises:
Generate the bill two-dimension code, said bill two-dimension code comprises the information of the ID of trade company, the consumption amount of money and businessman's account number;
Show said bill two-dimension code, so that consumer payment devices obtains said bill two-dimension code and pays according to said bill two-dimension code.
3. method according to claim 1 is characterized in that said bill two-dimension code also comprises the information of bill ID, and the information that two-dimension code also comprises said bill ID is accomplished in said payment.
4. method according to claim 3 is characterized in that, also comprises before the step of said payment of said demonstration and payer ID:
Obtain the corresponding consumption amount of money according to said bill ID;
Judge whether said payment is identical with the said consumption amount of money;
If identical, then carry out the step that shows said payment and payer ID, and demonstration is paid successfully.
5. an on-site payment equipment is characterized in that, comprising:
First acquisition module is used for obtaining payment from consumer payment devices and accomplishes two-dimension code, and the information that two-dimension code comprises enciphered message, payment and payer ID is accomplished in said payment;
Parsing module is used for accomplishing two-dimension code from said payment and parses said enciphered message, payment and payer ID;
Authentication module is used for according to being arranged on local key in advance said enciphered message being verified;
Display module is used for when said enciphered message is passed through the checking of authentication module, showing said payment and payer ID.
6. equipment according to claim 5 is characterized in that, said equipment also comprises:
Generation module is used to generate the bill two-dimension code, and said bill two-dimension code comprises the information of the ID of trade company, the consumption amount of money and Merchant ID;
Said display module also is used to show said bill two-dimension code, so that consumer payment devices obtains said bill two-dimension code and pays according to said bill two-dimension code.
7. equipment according to claim 5 is characterized in that said bill two-dimension code also comprises the information of bill ID, and the information that two-dimension code also comprises said bill ID is accomplished in said payment;
Said equipment also comprises:
Second acquisition module is used for obtaining the corresponding consumption amount of money according to said bill ID;
Judge module is used to judge whether said payment is identical with the said consumption amount of money.
8. an on-site payment system is characterized in that, comprising:
Consumer payment devices is used for:
Send payment request message to payment platform, said payment request message is drawn together payer ID, the ID of trade company, payment;
Receive the payment success message that said payment platform returns, said payment success message comprises enciphered message;
Said enciphered message, payer ID and payment are compiled into payment accomplish two-dimension code;
Show said payment completion two-dimension code;
On-site payment equipment is used for:
Obtain payment from said consumer payment devices and accomplish two-dimension code;
From said payment completion two-dimension code, parse said enciphered message, payment and payer ID;
According to being arranged on local key in advance said enciphered message is verified;
If checking is passed through, then show said payment and payer ID.
9. system according to claim 8 is characterized in that:
Said on-site payment equipment also is used for:
Generate the bill two-dimension code, said bill two-dimension code comprises the information of the ID of trade company, the consumption amount of money and Merchant ID;
Show said bill two-dimension code, so that consumer payment devices obtains said bill two-dimension code and pays according to said bill two-dimension code;
Said consumer payment devices also is used for obtaining the bill two-dimension code from said on-site payment equipment.
10. system according to claim 8 is characterized in that:
Said bill two-dimension code also comprises the information of bill ID, and the information that two-dimension code also comprises said bill ID is accomplished in said payment;
Said on-site payment equipment also is used for:
Obtain the corresponding consumption amount of money according to said bill ID;
Judge whether said payment is identical with the said consumption amount of money;
If identical, then carry out the step that shows said payment and payer ID, and demonstration is paid successfully.
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| CN2011103935784A CN102567877A (en) | 2011-12-01 | 2011-12-01 | Field payment method, equipment and system |
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| CN2011103935784A CN102567877A (en) | 2011-12-01 | 2011-12-01 | Field payment method, equipment and system |
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| CN102567877A true CN102567877A (en) | 2012-07-11 |
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Application publication date: 20120711 |