CN102831514A

CN102831514A - Barcode based payment voucher

Info

Publication number: CN102831514A
Application number: CN 201110160776
Authority: CN
Inventors: 顾健
Original assignee: Shanghai Bolu Information Technology Co Ltd
Current assignee: Shanghai Bolu Information Technology Co Ltd
Priority date: 2011-06-15
Filing date: 2011-06-15
Publication date: 2012-12-19

Abstract

The invention discloses a barcode based payment voucher which comprises a voucher-barcode generating module, a coding module, a logic module, a verifying module and an accounting module. After the barcode generated for a user by a system on the platform of the system is obtained by the user through various modes such as the internet and the mail, the barcode is printed or duplicated on a paper medium or carried by a mobile phone so as to be used as the payment voucher. When the barcode based payment voucher is in use, the barcode is recognized by the system according to the barcode of the user, and the payment value, authenticity and effectiveness of the barcode are judged, wherein if the barcode passes the verification, the current payment voucher is legal and effective, and the use state of the barcode is marked as state of being already in use. Due to the adoption of the method of payment, a mode of paying conveniently and quickly off line or on line is provided for the user.

Description

A kind of evidence for payment based on bar code

Technical field

The present invention relates to bar code, system software, a plurality of technical fields such as portable terminal are meant a kind of evidence for payment based on bar code especially.

Background technology

Along with the maturation and the technological development of system software of Internet technology, development of Communication Technique, particularly barcode technology, for the evidence for payment based on bar code provides feasibility.

The terminal pays especially that mobile-phone payment becomes a kind of consumption mode easily, and the user need not to carry the overall process that article such as wallet can be accomplished consumption, becomes the selection of a kind of consumption and payment of people.

The popular modes of payments mainly is the NFC mode at present, needs to change special mobile phone terminal or SIM, needs the cooperation of POS machine simultaneously; Have drawback in the popularization, cost is higher, and obtains the payment code voucher through note; And simply discern through system; Can accomplish the similar payment function of NFC, mobile phone is not required, the customer group basis is more extensive.

Simultaneously, more than the various modes of payments all be online use-pattern, and the evidence for payment mode of bar code can be the off-line use-pattern, the user can obtain evidence for payment in advance, uses in different time and place, has improved the convenience of using.

In view of this, the objective of the invention is to propose a kind of simple, be prone to row, through accomplish a kind of method of payment based on the evidence for payment of bar code.

Summary of the invention

Saidly can find out from top; A kind of evidence for payment provided by the invention based on bar code, through in bar code as voucher, in bar code, comprise the coding of user payment; Validation of payment voucher during use, a kind of simple evidence for payment that carries out the payment of online or off-line based on bar code.

Have the following advantages specifically:

With low cost:

Evidence for payment is carried in online generation based on system, and cost has reduced cost effectively.

Easy to use:

After the user obtains evidence for payment, according to using scene, print voucher or pass through mobile phone and carry, use-pattern is flexible.

Be easy to dispose:

Through bar-code identification, recognition technology is simple relatively, and equipment cost is cheap, and technology maturation is disposed simple and fast.

Off-line consumption:

The user obtains can use this evidence for payment in offline mode behind the evidence for payment, and need not real-time or specific consumption of on-line payment or service, and is convenient for users to use.

Description of drawings

Accompanying drawing described herein is used to provide further understanding of the present invention, constitutes the application's a part, and illustrative examples of the present invention and explanation thereof are used to explain the present invention, do not constitute improper qualification of the present invention.In the accompanying drawings:

Fig. 1 is the synoptic diagram of system module structure of the present invention.

Fig. 2 obtains the mutual synoptic diagram of evidence for payment for the user.

Fig. 3 uses schematic flow sheet for user's voucher.

Embodiment

With reference to the accompanying drawings the present invention is more comprehensively described, exemplary embodiment of the present invention wherein is described.

For realizing above-mentioned purpose, a kind of evidence for payment based on bar code has been proposed.

Below in conjunction with the drawings, embodiment of the present invention is described.

The key point that realizes a kind of evidence for payment based on bar code is following:

Certificate application:

Can be after user's registration at system's application voucher; System will deduct fees from user account during the user applies voucher; And generate voucher according to the result that deducts fees, and the voucher data comprise flow of payments water information, and system is used for shining upon concrete a large amount of user profile and the payment information that background system keeps.

The voucher coding:

For guaranteeing the safety of data and message, system generates the coded data of uniqueness, the information and the payment information of mapping user payment, and voucher side data amount is little, improves the success ratio of identification.

Credential verification:

The user is when using voucher; System will verify user's voucher bar code; Whether system reads the corresponding user data and the payment data of the system of will searching with this index key that is encoded to inquiry behind the barcode data, and user mode, and according to user's security decision is set and uses dynamic password to verify; Effective and the untapped words like this bar code voucher, then this checking effectively.

Payment and settlement:

The user pays through system account or third-party account when the application voucher, then need carry out the clearing of fund with the payment object like the words of deducting fees of system account, periodically carries out the transfer of fund and the generation of form with the payment object.

Main functional modules

As shown in Figure 1, a kind of system architecture of the evidence for payment based on bar code mainly comprises:

End side:

Internet terminal 100:

The Database Systems that portable terminal is inner are preserved various data, for other modules provide Data Source and access interface.

Portable terminal 101:

The control and the execution of each logic flow relevant with payment of end side are accomplished the miscellaneous service logic function alternately with other modules.

Printing terminal 102:

It is adaptive that responsible each module with system end and end side is carried out interface protocol, is responsible for communicating with the interface module of system side, carries out data transmission and communicate by letter according to the agreement of consulting, and the transmitting-receiving of the up-downgoing of various message and data is provided.

The consumption end:

Voucher scanning 103:

On consumption terminal scanning barcode with resolve bar code information, and the data that read are submitted to business logic modules.

Voucher identification 104:

After reading bar code, carry out long-range bar-code identification on the consumption terminal, and recognition result is submitted to business logic modules in local identification bar code or the bar-code identification service interface through system.

Human-computer interaction module 105:

Consumption terminal and user carry out mutual module, and the user can input password at consumption terminal, and the operator of consumption trade company carries out the module of human-machine operation.

Local data base 106:

On consumption terminal, preserve the service logic data, comprise identifying information, recognition result, miscellaneous service data such as payment data also provide the common function of databases such as data query.

Service logic 107:

Result according to bar-code identification on the consumption terminal carries out the corresponding service logic, and comprise service condition and judge, operations such as Payment Request, and the various logic operating result is recorded in daily record.

Data interface module 108:

The mutual data of being responsible for consume end equipment and system are carried out the data interaction of up-downgoing through data transmission channel and system, accomplish the transmission of data, and other modules of system are through the upward download of calling interface completion data.

Management configuration module 109:

Be responsible for the parameter configuration of the system of consumption terminal side, the management function of the various device and the software of consumption terminal equipment is provided.

Transmission channel 110:

The actual physical passage of data transmission is provided, and can be internet, wireless broadband network and mobile data network, comprises the mobile broadband net, WIFI, fixed broadband net or the like.

System side:

System interface module 111:

Be responsible for communicating, carry out data transmission and communicate by letter, send the data to the request msg of terminal and receiving terminal according to the agreement of consulting with the interface module of terminal with consumption end equipment.

Database 112:

Data storage and database and various various functions based on database are provided, like logic functions such as data trigger, function and reporting system etc.

Terminal traffic logic module 113:

The execution and the functions such as logic setting, preservation of each service logic of the counterpart terminal user of responsible system end, the service request and the response terminal of parsing end side are handled miscellaneous service request logic.

Consumption terminal business logic modules 114:

Be responsible for the execution and the functions such as logic setting, preservation of the corresponding service logic of system end and consumption terminal, resolve the service request and the response terminal of consumption terminal side, handle consumption terminal side miscellaneous service request logic.

Service encapsulates 115:

The service logic service ability of system end is packaged into the service interface form, supplies end side to call, comprise the bar code service, the service for checking credentials, inquiry service etc. with the remote service form.

Security module 116:

Be responsible for the subscriber authentication various functions relevant, comprise the generation dynamic password, verification terminal user identity and attribute, functions such as the various data of encryption and decryption with safety of payment.

Bar code module 117:

Be responsible for generating bar code and resolve bar code; For business logic modules provides the generation and the parsing of bar code, through the bar code service interface, consumption terminal can be discerned the bar code module that bar code sends to system; After the identification data are turned back to consumption terminal, also can discern in consumption terminal this locality.

Settlement module 118:

Be responsible for settling accounts, the detailed data of various payment data and the data of capital settlement are provided, various analysis data sheets are provided through Reports module with affiliated trade company and the payment system institutional affiliation of consumption terminal.

Log pattern 119:

The information of the delivery operation of system is recorded system journal, and offer the user and inquire about.

Local payment module 120:

For the user provides the function of paying in the system, system provides complete Stored Value, withholds, payment function such as enter an item of expenditure in the accounts.

Reports module 121:

For system provides various forms,, generate and export various analysis data sheets according to user's demand.

Third party's payment interface 122:

With the interface of third party's payment system, system is through calling the mutual of payment interface completion and third party's payment system.

Third party's payment system 123:

Third-party payment system provides the payment interface of electronization and accomplishes payment function according to interface protocol, and payment result is returned to called side.

Administration module 124:

Management system comprises user management, various management functions such as service logic management, daily record, parameter configuration.

System's door 125:

System user is logined the door of the system of door, and the interface of user's using system and the carrying of miscellaneous service flow process are provided.

Give one example below the workflow that user of the present invention uses the bar code voucher to pay is described, among this embodiment, business may further comprise the steps:

Prerequisite: register in system at the terminal.

Step 1: User login system door, whether the evidence for payment of choosing the counterpart expenditure object and the security strategy that voucher is set as needing the dynamic password protection;

Step 2: system carries out authentication to this user, confirms it is system user;

Step 3: system initiates deducting fees and confirm the result phase of deducting fees the user;

Step 4. generates the payment code data and these payment code data and the concrete data of payout status has been carried out related according to user's pay status under the case of successful of deducting fees, and records daily record;

Step 5. system generates the bar code that comprises payment code;

This bar code of step 6. user's download;

Step 7. user prints this evidence for payment or carries this bar code through mobile phone through printing terminal;

Step 8. user uses this evidence for payment.

Description of the invention provides for example with for the purpose of explaining, and is not the disclosed form that exhaustively perhaps limit the invention to.A lot of modifications and variation are obvious for those of ordinary skill in the art.Selecting and describing embodiment is for better explanation principle of the present invention and practical application, thereby and makes those of ordinary skill in the art can understand the various embodiment that have various modifications that the present invention's design is suitable for special-purpose.

Claims

1. evidence for payment based on bar code; It is characterized in that obtaining evidence for payment through modes such as internets after the user is registered in system, the result that system pays according to the user generates the bar code that comprises payment information and carries out the payment of off-line as evidence for payment and through this voucher.

2. according to claim 1; The user is registered to that use after the system should business, it is characterized in that the user needs register in system; The mode that user's essential information need be provided and pay according to the user provides third-party payment account information; Internal system also generates fund account for the user, and for each user, ID number of the uniqueness that system will generate with account number and correspond to each other.

3. according to claim 1, the user obtains based on the evidence for payment of the bar code voucher as payment, it is characterized in that bar code is bar code or two-dimensional bar code; By the coding of system's generation uniqueness, the user profile and the payment information on its mapping backstage, user profile comprises Subscriber Number, ID;, the registration phone number, payment information comprises the time of payment, type of payment; The payment object, payment, the modes of payments, payment data such as payment serial number; System can verify kind and the number that the user pays behind identification payment coding voucher, requiring can to select to use two-dimension code under the situation of greater security; Data in the two-dimension code are encrypted the back coding, and AES is arranged by system, use asymmetric key algorithm or symmetric key algorithm based on public and private key.

4. of claim 3; The user obtains based on using this voucher to pay behind the evidence for payment of bar code, it is characterized in that, according to different use scenes; The user carries out the security setting of voucher in system; Comprise and need not password and access to your password, under the situation about accessing to your password, system with the dynamic password in below to the mobile phone of user registration; The user is using this voucher need import dynamic password, can use after need not to check payment data and user mode after the next system identification of situation of password.

5. of claim 3; The user obtains evidence for payment through request for credentials; Obtaining needs the user in system, to carry out deducting fees of account before the voucher, it is characterized in that system receives that the user asks to deduct fees from user's fund account after the payment request message; Account can be account or the third party payment account of user at mobile operator; System can pay from operator's account, also can obtain subscriber authorisation and pay from third party's fund account of user, comprises system's Stored Value, credit card authorization or third party's payment system and pays; System's Stored Value mode needs the user to supplement the back use with money, and credit card and third party's payment system are paid through calling third-party open payment interface after obtaining subscriber authorisation.

6. of claim 3, the user obtains to it is characterized in that based on using this voucher behind the evidence for payment of bar code; The user is through internet download, lettergram mode, wireless interconnected net mode; The multimedia message mode obtains the bar code voucher, and the user prints this voucher, perhaps carries this bar code through mobile phone with image mode; This voucher bar code of system identification, effectively whether the checking user payment, and checking is through then this is paid effectively.

7. of claim 5, system deducted fees to the user before generating voucher, and paid concrete data according to the user and settle accounts with the payment object; It is characterized in that; If it is the payment system through outside the system that system deducts fees, system deducts fees directly to deduct fees to and pays the account of object, and system keeps the data of deducting fees; Deduct fees like system account, then system will regularly settle accounts with the account of payment object.

8. of claim 6, the user obtains voucher and can be used this voucher after the system verification effectively, system's state that the mark voucher uses after accomplishing the checking voucher; And notify the terminal user through variety of way, it is characterized in that notice is taked note; Multimedia message; Modes such as mail are sent evidence for payment and are used notice, and are recorded in the customer consumption daily record, user's detailed data inquiry of subsequently can login system paying.