CN103208064A - Online short-range payment method - Google Patents

Online short-range payment method Download PDF

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Publication number
CN103208064A
CN103208064A CN2012105187918A CN201210518791A CN103208064A CN 103208064 A CN103208064 A CN 103208064A CN 2012105187918 A CN2012105187918 A CN 2012105187918A CN 201210518791 A CN201210518791 A CN 201210518791A CN 103208064 A CN103208064 A CN 103208064A
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China
Prior art keywords
terminal equipment
payment
customer
client
party transaction
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CN2012105187918A
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Chinese (zh)
Inventor
陈奇
葛亚力
张子健
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ZHEJIANG SUCCESS SOFTWARE DEVELOPMENT Co Ltd
Zhejiang University ZJU
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ZHEJIANG SUCCESS SOFTWARE DEVELOPMENT Co Ltd
Zhejiang University ZJU
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Priority to CN2012105187918A priority Critical patent/CN103208064A/en
Publication of CN103208064A publication Critical patent/CN103208064A/en
Pending legal-status Critical Current

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Abstract

The invention discloses an online short-range payment method which includes that a merchant arranges a merchant terminal device which can generate and display a two-dimensional code and the merchant terminal device and a third-party trading mechanism are connected with a network to sign a contract and register an account; a customer arranges a customer terminal device which can identify the two-dimensional code and the customer terminal device and the third-party trading mechanism are connected with the network to sign a contract and register an account; the merchant terminal device generates a consumption order according to trading information dynamic of commodity purchasing through the customer and displays the consumption order in a two-dimensional code mode; the customer shoots the two-dimensional code through a camera of the customer terminal device and pays according to order details which are obtained by decoding the two-dimensional code; and the third treading mechanism confirms the trading and respectively sends a payment finish message to the customer and the merchant to finish the payment. The online short-range payment method has the advantages of enabling a user to consume without carrying a bank card and cashes, greatly reducing wasting time caused by queuing when the customer performs the short-range payment and bringing great convenience for personal consumption.

Description

Short range method of payment on a kind of line
Technical field
The invention belongs to communication identification and consumption and payment field, relate in particular to short range method of payment on a kind of line.
Background technology
Along with science and technology development, revolutionary change has taken place in people's the modes of payments, develops into present E-Payment from traditional paying in cash, and E-Payment has at present become the widely used modes of payments in the daily life.A kind of common E-Payment is based on the line of third party's payment platform and pays, for example Taobao's shopping, and Alipay payment etc., payment is mainly based on remote payment on the present line; The short range terminal payment that another kind of common E-Payment is the point of sale, the client need not to carry cash, when the point of sale produces consumption, can be by bank card in the payment of swiping the card of the machine for punching the card of point of sale and bank networking, but when forgeing bank card, then be difficult at point-of-sale purchasing commodity such as markets, especially when the on-the-spot user that need pay is more, the situation that stands in a long queue and check can be met unavoidably, consumer's consumption satisfaction can be greatly influenced like this.
Summary of the invention
Waits for too long when the objective of the invention is to pay at the scene at the user that the present modes of payments exists, the defective that the modes of payments is single provides short range method of payment on a kind of line, with the efficient that improves the short range payment and user's consumption satisfaction.
The present invention is achieved by the following technical solutions: short range method of payment on a kind of line may further comprise the steps:
(1) businessman disposes and can generate and the merchant terminal equipment of two-dimensional code display, and merchant terminal equipment is networked with third party transaction mechanism, contracts, register account number.
(2) client disposes the customer's terminal equipment can identify two-dimension code, and customer's terminal equipment is networked with same mechanism of exchange, contracts, register account number.
(3) merchant terminal equipment dynamically generates the consumption order according to the Transaction Information of commodity that client buys and is presented on the merchant terminal with the form of two-dimension code.
(4) client takes two-dimension code by the customer's terminal equipment camera, obtains the order details and pays by the deciphering two-dimension code.
(5) the third party transaction mechanism affirmation of concluding the business.
(6) after third party transaction mechanism confirms Transaction Success, be sent completely the end of message payment of payment respectively to both sides.
Further, in the described step (1), described merchant terminal equipment can be realized that requirement can be connected to the internet by common PC, has with LCD display backlight, clearly two-dimensional code display.
Further, in the described step (1), the networking of described and third party transaction mechanism refers to that businessman's end can be connected to the third party transaction mechanism on the internet or set up wireless router in the shop by cable network and is connected to third party transaction mechanism on the internet, and guaranteeing not can be owing to reasons such as network congestion cause delays in payment even failure on client's the line.
Further, in the described step (2), described customer's terminal equipment can be realized by common smart mobile phone, smart mobile phone can move operating systems such as Android, iOs or Windows, requirement can be connected to the internet, have can clear shooting two-dimension code camera, do not need special repacking.
Further, in the described step (2), the networking of described customer's terminal equipment and same mechanism of exchange refer to client hold can be by mobile phone wireless network such as the third party transaction mechanism that is connected on the internet of 3G or Wi-Fi carry out paying on the line.
Further, in the described step (3), concrete steps are as follows:
1) the merchant terminal device logs is in the signatory account of third party transaction mechanism;
Merchant terminal can manage account, comprises inquiry account sales volume, sales volume, Password Management, Bank Account Number binding management, inquiry into balance, the inquiry etc. of withdrawing deposit.
2) merchant terminal equipment dynamically generates the consumption order according to the customer consumption situation;
Described consumption order is identified by a unique serial number, and the consumption order comprises merchandise news, pricing information, Business Information etc.
3) merchant terminal equipment is to third party transaction mechanism order uploaded;
4) the merchant terminal equipment unique serial number sign that will consume order is encrypted with the two-dimension code form, generates the two-dimension code of consumption order;
Described two-dimension code adopts the QR Code that follows the ISO/IEC18004 standard.
5) merchant terminal equipment shows the two-dimension code that generates at terminal display;
6) businessman carries out the inquiry of stateful transaction by merchant terminal equipment.
Further, in the described step (4), concrete steps are as follows:
1) the customer's terminal equipment login is in the signatory account of third party transaction mechanism;
Client can manage account, comprises inquiry account consumption figure, the amount of consumption, and Password Management, the Bank Account Number binding management is supplemented management etc. with money.
2) customer's terminal equipment is taken the two-dimension code that is presented on the merchant terminal equipment by terminal camera;
3) customer's terminal equipment is deciphered two-dimension code automatically and is obtained order number;
4) customer's terminal equipment obtains order merchandise news, total value, Business Information from third party transaction mechanism, payer's information etc. by networking;
5) client's affirmation of under the errorless situation of sequence information, paying, input payment affirmation password;
Important informations such as described affirmation payment employing SHA1withRSA algorithm is signed and is encrypted, and guarantees security and integrality; Need use twice MD5 hashed to guarantee security for sensitive informations such as passwords.
6) client carries out the inquiry of stateful transaction by customer's terminal equipment.
Further, in the described step (5), described third party transaction mechanism has server and database, is responsible for safeguarding businessman and client's accounts information, account safety, for client and businessman's guarantee, act on behalf of both sides and bank signatory realization bank card and transfer accounts etc.
Further, in the described step (5), the affirmation of described transaction is specially: order, Customer Information and password are checked by third party transaction mechanism, confirm errorless after, the remaining sum in the remaining sum/bank card in this clients account is transferred to the account of this businessman.
Further, in the described step (6), be implemented as follows: third party transaction mechanism is sent completely the message of payment respectively to both sides, and the message mode of transmission is: SMS notification, mms notification, Wap pushed information notice etc.Businessman obtains the message of finishing payment of third party's payment mechanism, and commodity are consigned to client; Businessman can require to withdraw deposit to third party transaction mechanism, and remaining sum is extracted with cash base.
Third party transaction mechanism platform: the consigner of transaction, have server and database, be responsible for safeguarding businessman and client's accounts information, account safety, for the guarantee of client and businessman, act on behalf of both sides and bank signatory realization bank card and transfer accounts etc.
The invention has the beneficial effects as follows: the short range method of payment makes the user carry bank card and cash is consumed on the line provided by the invention, the time of wasting owing to queuing when shortening simultaneously the payment of client's short range greatly, bring great convenience to personal consumption, promote the satisfaction of client's consumption.
Description of drawings
Fig. 1 is short range payment realization flow synoptic diagram on the line;
Fig. 2 is short range payment system module map on the line.
Embodiment
Describe the present invention in detail below in conjunction with accompanying drawing, it is more obvious that purpose of the present invention and effect will become.
As Fig. 1, specific implementation method of the present invention is as follows:
Step 1: businessman disposes and can generate and the merchant terminal equipment of two-dimensional code display, and merchant terminal equipment is networked with third party transaction mechanism, contracts, register account number.
Described merchant terminal equipment can be realized that requirement can be connected to the internet by common PC, has with LCD display backlight, clearly two-dimensional code display.
The networking of described and third party transaction mechanism refers to that businessman's end can be connected to the third party transaction mechanism on the internet or set up wireless router in the shop by cable network and is connected to third party transaction mechanism on the internet, and guaranteeing not can be owing to reasons such as network congestion cause delays in payment even failure on client's the line.
Step 2: client disposes the customer's terminal equipment can identify two-dimension code, and customer's terminal equipment is networked with same mechanism of exchange, contracts, register account number.
Described customer's terminal equipment can be realized by common smart mobile phone, smart mobile phone can move operating systems such as Android, iOs or Windows, requirement can be connected to the internet, have can clear shooting two-dimension code camera, do not need special repacking.
The networking of described customer's terminal equipment and same mechanism of exchange refer to client hold can be by mobile phone wireless network such as the third party transaction mechanism that is connected on the internet of 3G or Wi-Fi carry out paying on the line.
Step 3: merchant terminal equipment dynamically generates the consumption order according to the Transaction Information of commodity that client buys and is presented on the merchant terminal equipment with the form of two-dimension code.Concrete steps are as follows:
1) the merchant terminal device logs is in the signatory account of third party transaction mechanism;
Merchant terminal equipment can manage account, comprises inquiry account sales volume, sales volume, Password Management, Bank Account Number binding management, inquiry into balance, the inquiry etc. of withdrawing deposit.
2) merchant terminal equipment dynamically generates the consumption order according to the customer consumption situation;
Described consumption order is identified by a unique serial number, and the consumption order comprises merchandise news, pricing information, Business Information etc.
3) merchant terminal equipment is to third party transaction mechanism order uploaded;
4) the merchant terminal equipment unique serial number sign that will consume order is encrypted with the two-dimension code form, generates the two-dimension code of consumption order;
Described two-dimension code adopts the QR Code that follows the ISO/IEC18004 standard.
5) merchant terminal equipment shows the two-dimension code that generates at terminal display;
6) businessman carries out the inquiry of stateful transaction by merchant terminal equipment.
Step 4: client takes two-dimension code by client's terminal camera, obtains the order details and pays by the deciphering two-dimension code.Concrete steps are as follows:
1) the customer's terminal equipment login is in the signatory account of third party transaction mechanism;
Client can manage account, comprises inquiry account consumption figure, the amount of consumption, and Password Management, the Bank Account Number binding management is supplemented management etc. with money.
2) customer's terminal equipment is taken the two-dimension code that is presented on the merchant terminal equipment by terminal camera;
3) customer's terminal equipment deciphering two-dimension code obtains order number;
4) customer's terminal equipment obtains order merchandise news, total value, Business Information from third party transaction mechanism, payer's information etc. by networking;
5) client's affirmation of under the errorless situation of sequence information, paying, input payment affirmation password;
Important informations such as described affirmation payment employing SHA1withRSA algorithm is signed and is encrypted, and guarantees security and integrality; Need use twice MD5 hashed to guarantee security for sensitive informations such as passwords.
6) client carries out the inquiry of stateful transaction by customer's terminal equipment.
Step 5: the affirmation that third party transaction mechanism concludes the business.
Described third party transaction mechanism has server and database, is responsible for safeguarding businessman and client's accounts information, account safety, for client and businessman's guarantee, act on behalf of both sides and bank signatory realization bank card and transfer accounts etc.
The affirmation of described transaction is specially: order, Customer Information and password are checked by third party transaction mechanism, confirm errorless after, the remaining sum in the remaining sum/bank card in this clients account is transferred to the account of this businessman.
Step 6: after third party transaction mechanism confirms Transaction Success, be sent completely the end of message payment of payment respectively to both sides.
Third party transaction mechanism is sent completely the message of payment respectively to both sides, and the message mode of transmission is: SMS notification, mms notification, Wap pushed information notice etc.Businessman obtains the message of finishing payment of third party's payment mechanism, and commodity are consigned to client; Businessman can require to withdraw deposit to third party transaction mechanism, and remaining sum is extracted with cash base.
Further describe the present invention according to embodiment below, it is more obvious that purpose of the present invention and effect will become.Embodiment
Present embodiment provides the system module block diagram of short range payment on a kind of line, and as shown in Figure 2, concrete structure is as follows:
Merchant terminal equipment (comprise businessman end software): common PC, can be connected to the internet, be used for that networking is obtained and transmission information, generate order, two-dimension code etc.; Need extra equipment as with LCD display backlight, be used for clearly two-dimensional code display.Businessman end software mainly runs on the application software on the desktop computer, major function namely logins at the signatory account of third party transaction mechanism, account executive, generation order, shows order, to third party transaction mechanism order uploaded, print order, generate two-dimension code, the inquiry stateful transaction, show stateful transaction etc.
Customer's terminal equipment (comprising that client holds application): common smart mobile phone, can move operating systems such as Android, iOs or Windows, requiring has camera, can be connected to the internet, can install and move client and hold application, does not need special repacking.Client holds application software mainly to run on application software on the smart mobile phone, major function namely login the signatory account of third party transaction mechanism, account executive, shooting two-dimension code, identification two-dimension code, from third party transaction mechanism obtain order, show order, to client's requests transaction password, send confirmation, inquiry stateful transaction, demonstration stateful transaction etc. to third party transaction mechanism.
Third party transaction mechanism platform: the consigner of transaction, have server and database, be responsible for safeguarding businessman and client's accounts information, account safety, for the guarantee of client and businessman, act on behalf of both sides and bank signatory realization bank card and transfer accounts etc.
Should be noted that at last: above embodiment only is used for illustrating that technical scheme of the present invention is not intended to limit, and the dimension of medium and attribute are divided and be not confined to example of the present invention.For the those of ordinary skill of technical field, under the prerequisite that does not break away from spirit of the present invention, can make some improvements and modifications, these improvements and modifications also should be considered as protection scope of the present invention.

Claims (10)

1. short range method of payment on the line is characterized in that, may further comprise the steps:
(1) businessman disposes and can generate and the merchant terminal equipment of two-dimensional code display, and merchant terminal equipment is networked with third party transaction mechanism, contracts, register account number;
(2) client disposes the customer's terminal equipment can identify two-dimension code, and customer's terminal equipment is networked with same mechanism of exchange, contracts, register account number;
(3) merchant terminal equipment dynamically generates the consumption order according to the Transaction Information of commodity that client buys and is presented on the merchant terminal equipment with the form of two-dimension code;
(4) client takes two-dimension code by the customer's terminal equipment camera, obtains the order details and pays by the deciphering two-dimension code;
(5) the third party transaction mechanism affirmation of concluding the business;
(6) after third party transaction mechanism confirms Transaction Success, be sent completely the end of message payment of payment respectively to both sides.
2. according to short range method of payment on the described a kind of line of claim 1, it is characterized in that, in the described step (1), described merchant terminal equipment can be realized by common PC, requirement can be connected to the internet, has with LCD display backlight, clearly two-dimensional code display.
3. according to short range method of payment on the described a kind of line of claim 1, it is characterized in that, in the described step (1), the networking of described and third party transaction mechanism refers to that businessman's end can be connected to the third party transaction mechanism on the internet or set up wireless router in the shop by cable network and is connected to third party transaction mechanism on the internet, and guaranteeing not can be owing to reasons such as network congestion cause delays in payment even failure on client's the line.
4. according to short range method of payment on the described a kind of line of claim 1, it is characterized in that, in the described step (2), described customer's terminal equipment can be realized by common smart mobile phone, smart mobile phone can move operating systems such as Android, iOs or Windows, requirement can be connected to the internet, have can clear shooting two-dimension code camera, do not need special repacking.
5. according to short range method of payment on the described a kind of line of claim 1, it is characterized in that, in the described step (2), the networking of described customer's terminal equipment and same mechanism of exchange refer to client hold can be by mobile phone wireless network such as the third party transaction mechanism that is connected on the internet of 3G or Wi-Fi carry out paying on the line.
6. according to short range method of payment on the described a kind of line of claim 1, it is characterized in that in the described step (3), concrete steps are as follows:
(1) the merchant terminal device logs is in the signatory account of third party transaction mechanism;
(2) merchant terminal equipment dynamically generates the consumption order according to the customer consumption situation: described consumption order is identified by a unique serial number, and the consumption order comprises merchandise news, pricing information, Business Information etc.;
(3) merchant terminal equipment is to third party transaction mechanism order uploaded;
(4) the merchant terminal equipment unique serial number sign that will consume order is encrypted with the two-dimension code form, generates the two-dimension code of consumption order; Described two-dimension code adopts the QR Code that follows ISO/IEC 18004 standards;
(5) merchant terminal equipment shows the two-dimension code that generates at terminal display;
(6) businessman carries out the inquiry of stateful transaction by merchant terminal equipment.
7. according to short range method of payment on the described a kind of line of claim 1, it is characterized in that in the described step (4), concrete steps are as follows:
(1) the customer's terminal equipment login is in the signatory account of third party transaction mechanism;
(2) customer's terminal equipment is taken the two-dimension code that is presented on the merchant terminal equipment by terminal camera;
(3) customer's terminal equipment is deciphered two-dimension code automatically and is obtained order number;
(4) customer's terminal equipment obtains order merchandise news, total value, Business Information from third party transaction mechanism, payer's information etc. by networking;
(5) client's affirmation of under the errorless situation of sequence information, paying, input payment affirmation password;
(6) client carries out the inquiry of stateful transaction by customer's terminal equipment.
8. according to short range method of payment on the described a kind of line of claim 1, it is characterized in that, in the described step (5), described third party transaction mechanism, have server and database, be responsible for safeguarding businessman and client's accounts information, account safety, for the guarantee of client and businessman, act on behalf of both sides and bank signatory realization bank card and transfer accounts etc.
9. according to short range method of payment on the described a kind of line of claim 1, it is characterized in that, in the described step (5), the affirmation of described transaction is specially: order, Customer Information and password are checked by third party transaction mechanism, confirm errorless after, the remaining sum in the remaining sum/bank card in this clients account is transferred to the account of this businessman.
10. according to short range method of payment on the described a kind of line of claim 1, it is characterized in that, in the described step (6), be implemented as follows: third party transaction mechanism is sent completely the message of payment respectively to both sides, the message mode that sends is: SMS notification, mms notification, Wap pushed information notice etc.; Businessman obtains the message of finishing payment of third party's payment mechanism, and commodity are consigned to client; Businessman can require to withdraw deposit to third party transaction mechanism, and remaining sum is extracted with cash base.
CN2012105187918A 2012-12-06 2012-12-06 Online short-range payment method Pending CN103208064A (en)

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CN103426083A (en) * 2013-09-03 2013-12-04 百视通网络电视技术发展有限责任公司 Television payment method and system based on two-dimensional codes
CN103679440A (en) * 2013-12-14 2014-03-26 福建省优艾迪网络信息有限公司 Financial receipt and payment method with two-dimension code being used as carrier
CN103679440B (en) * 2013-12-14 2017-01-11 福建省优艾迪网络信息有限公司 Financial receipt and payment method with two-dimension code being used as carrier
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Application publication date: 20130717