CN103268548A - On-line off-line payment system based on two-dimension code - Google Patents
On-line off-line payment system based on two-dimension code Download PDFInfo
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- CN103268548A CN103268548A CN2013101467083A CN201310146708A CN103268548A CN 103268548 A CN103268548 A CN 103268548A CN 2013101467083 A CN2013101467083 A CN 2013101467083A CN 201310146708 A CN201310146708 A CN 201310146708A CN 103268548 A CN103268548 A CN 103268548A
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Abstract
The invention discloses an on-line off-line payment system based on a two-dimension code, and belongs to electronic commerce technology. The on-line off-line payment system comprises a payment card containing a certain payment amount and provided with one two-dimension code, a management server used for storing information related to the payment card and processing payment requests, an off-line payment device used for reading the two-dimension code and putting forward trading requests for the management server, and a mobile terminal provided with a two-dimension code application module. The two-dimension code application module identifies the two-dimension code of the payment code and enables the payment card to be bound with the mobile terminal, sets a payment code and manages the payment card, and the management server is connected with the off-line payment device and the mobile terminal through the internet. The on-line off-line payment system based on the two-dimension code has the advantages that the two-dimension code technology is adopted to replace the magnetic barcode technology, and the on-line off-line payment system is convenient and flexible to use, high in transparency, safer and more reliable.
Description
Technical field
The present invention relates to the consumption and payment technology, is that a kind of planar bar code technology and internet of utilizing carries out the payment system of paying under online and the line specifically.
Background technology
E-commerce development is rapid, increasing consumer likes consuming at network, at this commercial trends, increasing trade company is also arranged when offering solid shop/brick and mortar store, found retail shop on the line at network, trade company tends to attract clients with form from this retail shop consumption card to the client that undersell when promoting oneself; In addition, increasing company also replaces to provide consumption card that to provide form in kind be that the employee provides welfare in the past.But present consumption card can only can not be consumed as on the line as the consumption of entity StoreFront mostly, function singleness, and security is relatively poor; Secondly, most consumption cards all are a kind of ferromagnetic releases, deposit improper meeting and cause demagnetization, can not re-use after the demagnetization, can cause the certain economic loss; The 3rd, the remaining sum of this type of card and consumption record can only be inquired about at specific equipment, lack third party's supervision, poor transparency.Consumption all will use bank card and transfers accounts on the present most line, for safety, needs a large amount of authorization information of input, use to bother relatively a lot.
Summary of the invention
Task of the present invention is will be at above-mentioned technical matters, a kind of payment system that can be used in online and offline consumption clearing simultaneously is provided, and the characteristics of this system are to adopt planar bar code technology to replace the magnetic barcode technology, and are easy to use flexible, the transparency height, and more safe and reliable.
Technological means: the invention discloses a kind of line based on two-dimension code payment system of reaching the standard grade down, comprising:
Contain certain payment and be provided with the Payment Card of unique two-dimension code;
Be used for storing the information that is associated with Payment Card and the management server of handling the payment request;
Be used for reading two-dimension code, propose payment mechanism under the line of transaction request to management server;
The portable terminal of two-dimension code application module is installed, wherein the two-dimension code of two-dimension code application module identification Payment Card and with Payment Card and mobile terminal binding, payment cipher is set and Payment Card is managed;
Management server is by payment mechanism and portable terminal under the internet connecting line;
The modes of payments is as follows:
Payment utilizes portable terminal to finish on the line: the commodity that a, consumer will buy by the portable terminal selection, submit Payment Card payment request to management server; After b, management server are received request, to the information of this portable terminal transmission with the Payment Card of this mobile terminal binding; C, input payment cipher; D, management server are examined Transaction Information, finish payment;
Payment process is under the line: a, utilize under the line payment mechanism to adjust the consumption amount of money; B, utilize payment mechanism under the line to obtain the information of Payment Card; C, by payment mechanism input payment cipher under the line; D, management server are examined Transaction Information, finish payment;
In the b step of online down payment process, have dual mode to obtain the two-dimension code of Payment Card: a kind of is to obtain by the two-dimension code that payment mechanism under the line directly scans Payment Card; Another kind is: b1, portable terminal propose payment card information by the two-dimension code application module to management server and check request; B2, management server are to payment card information and the corresponding two-dimension code of portable terminal transmission with this mobile terminal binding; B3, utilize that payment mechanism obtains the two-dimension code that portable terminal obtains among the b2 under the line.
Wherein Payment Card with mobile terminal binding before, activate by payment mechanism under portable terminal or the line.
Wherein portable terminal is panel computer or smart mobile phone.
The wherein hardware information of Payment Card and portable terminal binding is preferably the IMEI sign indicating number binding with portable terminal.
Portable terminal can be bound simultaneously with the Payment Card more than;
At this moment, in the payment process, c is divided into according to sequential step on line: c1, selection Payment Card; C2, input payment cipher;
And in the online payment process down, b3 is divided into according to sequential step: b31, selection Payment Card; B32, utilize that payment mechanism obtains corresponding two-dimension code under the line.
Beneficial effect: 1, native system can be supported the online and offline payment simultaneously by same Payment Card, pays convenient, flexible; 2, the mobile terminal binding of Payment Card by carrying with mobile phone, panel computer etc., when guaranteeing consumption safety, card also need not to carry; 3, utilize planar bar code technology but not the magnetic bar code can be avoided depositing the loss that improper demagnetization causes because of card; 4, can carry out information management to the Payment Card of binding whenever and wherever possible by portable terminal and check the transparency height.
Description of drawings
Fig. 1 is system construction drawing of the present invention;
Fig. 2 is payment process process flow diagram of the present invention.
Embodiment
As shown in Figure 1, the line based on the two-dimension code disclosed by the invention payment system of reaching the standard grade down is made up of payment mechanism 2, portable terminal 3 and Payment Card 4 under management server 1, the line, and management server 1 is by payment mechanism 2 and portable terminal 3 under the internet connecting line.Payment Card contains the some currency of payment and carries unique two-dimension code, management server is used for information and the processing payment request that storage is associated with Payment Card, payment mechanism is used for obtaining two-dimension code under the line, and to management server transaction request being proposed in the online payment process down, portable terminal is for connecting smart mobile phone or the panel computer of internet.
Before using the Payment Card payment, at first utilize the two-dimension code of two-dimension code application module scanning identification Payment Card, the input active coding activates Payment Card, then the hardware information of Payment Card and portable terminal is bound, such as binding with MAC, IMEI or product ID, set up payment cipher at last and just can pay, a common portable terminal can be bound many Payment Cards simultaneously.The two-dimension code application module also can manage Payment Card, by file a request to check information such as Payment Card remaining sum and consumption record to management server.
Be depicted as reach the standard grade the down payment process of payment system of the line based on two-dimension code disclosed by the invention as the left-hand component of Fig. 2, payment process is finished by operating mobile terminal fully on the line, suppose that portable terminal bound many Payment Cards simultaneously, payment process has following step:
A, consumer utilize portable terminal on line retail shop select the commodity that will buy, select to use the Payment Card payment after, the two-dimension code application module is submitted the payment request to management server;
After b, management server are received request, search the information with all Payment Cards of mobile terminal binding, and send to portable terminal;
The Payment Card that c, consumer's selection will be used, the input payment cipher;
D, management server are examined Transaction Information, finish payment: management server is examined password, if password is correct, then deducts the payment of respective number, deduct successfully the information of transmission afterwards and withholds successfully to portable terminal, recomputates the Payment Card remaining sum simultaneously; If password is correct, but can use amount of money number less than the commodity amount of money on the Payment Card, the amount of money on the deduction Payment Card is reresented and is used other modes of payments payments earlier; If it is incorrect to the portable terminal prompt cipher that password bad then sends information.
Payment divides under the line of native system has the card payment and does not have card payment dual mode.Behind the commodity that the consumer selects to buy at solid shop/brick and mortar store, by the process of paying under the card line is arranged be:
A, utilize under the line payment mechanism to adjust the consumption amount of money;
B, utilize the Payment Card that the direct scanning of payment mechanism will be used under the line, obtain the information of Payment Card;
C, by payment mechanism input payment cipher under the line;
D, management server are examined Transaction Information, finish payment, and the corresponding steps of paying on this step and the line is consistent.
Being depicted as under the line as Fig. 2 right-hand component does not have the card payment process, supposes that this portable terminal bound many Payment Cards simultaneously, behind the commodity that the consumer selects to buy at solid shop/brick and mortar store:
A, utilize under the line payment mechanism to adjust the consumption amount of money;
B, utilize portable terminal to propose payment card information by the two-dimension code application module to management server to check request---management server sends all payment card information and corresponding two-dimension code with this mobile terminal binding to portable terminal---consumer to select the Payment Card that will use and utilize that payment mechanism scanning portable terminal reads corresponding two-dimension code under the line;
C, by payment mechanism input payment cipher under the line;
D, management server are examined Transaction Information, finish payment, and the corresponding steps of paying on this step and the line is consistent.
In the card payment process is arranged, if the Payment Card that select to use is not activated, then can activates Payment Card and payment cipher is set by payment mechanism under the line, bind with portable terminal again after the consumption finishing first.
Claims (6)
1. based on the line of the two-dimension code payment system of reaching the standard grade down, it is characterized in that: comprising:
Contain certain payment and be provided with the Payment Card of unique two-dimension code;
Be used for storing the information that is associated with Payment Card and the management server of handling the payment request;
Be used for reading two-dimension code, propose payment mechanism under the line of transaction request to management server;
The portable terminal of two-dimension code application module is installed, wherein the two-dimension code of two-dimension code application module identification Payment Card and with Payment Card and mobile terminal binding, payment cipher is set and Payment Card is managed;
Management server is by payment mechanism and portable terminal under the internet connecting line;
The modes of payments is as follows:
Payment utilizes portable terminal to finish on the line: the commodity that a, consumer will buy by the portable terminal selection, submit Payment Card payment request to management server; After b, management server are received request, to the information of this portable terminal transmission with the Payment Card of this mobile terminal binding; C, input payment cipher; D, management server are examined Transaction Information, finish payment;
Payment process is under the line: a, utilize under the line payment mechanism to adjust the consumption amount of money; B, utilize payment mechanism under the line to obtain the information of Payment Card; C, by payment mechanism input payment cipher under the line; D, management server are examined Transaction Information, finish payment;
In the b step of online down payment process, have dual mode to obtain the two-dimension code of Payment Card: a kind of is to obtain by the two-dimension code that payment mechanism under the line directly scans Payment Card; Another kind is: b1, portable terminal propose payment card information by the two-dimension code application module to management server and check request; B2, management server are to payment card information and the corresponding two-dimension code of portable terminal transmission with this mobile terminal binding; B3, utilize that payment mechanism obtains the two-dimension code that portable terminal obtains among the b2 under the line.
2. the line based on the two-dimension code according to claim 1 payment system of reaching the standard grade down is characterized in that: described Payment Card with mobile terminal binding before, activate by payment mechanism under portable terminal or the line.
3. the line based on the two-dimension code according to claim 1 payment system of reaching the standard grade down, it is characterized in that: described portable terminal is panel computer or smart mobile phone.
4. the line based on the two-dimension code according to claim 1 payment system of reaching the standard grade down is characterized in that: the hardware information binding of described Payment Card and portable terminal.
5. the line based on the two-dimension code according to claim 1 payment system of reaching the standard grade down is characterized in that: the IMEI sign indicating number binding of described Payment Card and portable terminal.
6. the line based on the two-dimension code according to claim 1 payment system of reaching the standard grade down, it is characterized in that: described portable terminal can be bound simultaneously with the Payment Card more than;
At this moment, in the payment process, c is divided into according to sequential step on line: c1, selection Payment Card; C2, input payment cipher;
And in the online payment process down, b3 is divided into according to sequential step: b31, selection Payment Card; B32, utilize that payment mechanism obtains corresponding two-dimension code under the line.
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| CN201310146708.3A CN103268548B (en) | 2013-04-25 | 2013-04-25 | On-line off-line payment system based on two-dimension code |
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| CN201310146708.3A CN103268548B (en) | 2013-04-25 | 2013-04-25 | On-line off-line payment system based on two-dimension code |
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Cited By (16)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103501447A (en) * | 2013-10-25 | 2014-01-08 | 乐视网信息技术（北京）股份有限公司 | Method, device and system about smart television payment |
| CN103593757A (en) * | 2013-11-29 | 2014-02-19 | 成树嘎 | Method for bank transfer via mobile phone |
| CN104392351A (en) * | 2014-11-15 | 2015-03-04 | 安徽省新方尊铸造科技有限公司 | Two-dimensional code recognition technology-based supermarket quick payment system |
| CN104463586A (en) * | 2014-12-04 | 2015-03-25 | 李政德 | Offline payment method suitable for channel supplier |
| WO2015135384A1 (en) * | 2014-03-14 | 2015-09-17 | 福建联迪商用设备有限公司 | O2o secure payment method and system, and pos terminal |
| CN106022772A (en) * | 2016-05-27 | 2016-10-12 | 深圳市八零年代网络科技有限公司 | Payment card setting method and payment card setting device |
| CN106548335A (en) * | 2016-10-20 | 2017-03-29 | 安徽大智睿科技技术有限公司 | A kind of smart travel method paid based on cloud |
| CN107153851A (en) * | 2016-03-06 | 2017-09-12 | 神州黑鹰（上海）信息科技有限公司 | Multifunction card control system and control method |
| CN107153979A (en) * | 2016-03-06 | 2017-09-12 | 神州黑鹰（上海）信息科技有限公司 | The method and system of card two-dimensional code scanning shopping |
| CN107301548A (en) * | 2017-07-28 | 2017-10-27 | 北京早八点网络科技有限公司 | Store and cash register integral system under line on a kind of line |
| CN107491956A (en) * | 2017-07-28 | 2017-12-19 | 天津炬库云商网络科技有限公司 | A kind of on-line off-line mobile payment service platform |
| WO2018019169A1 (en) * | 2016-07-27 | 2018-02-01 | 阿里巴巴集团控股有限公司 | Two-dimensional code identification method and device, and mobile terminal |
| CN108229948A (en) * | 2017-11-23 | 2018-06-29 | 黄波 | A kind of Petty paying method |
| CN111062710A (en) * | 2019-11-20 | 2020-04-24 | 四川商通实业有限公司 | APP-based multi-prepaid-card payment method and system |
| CN111951001A (en) * | 2020-08-20 | 2020-11-17 | 艾体威尔电子技术(北京)有限公司 | Prepaid card management system |
| CN112613874A (en) * | 2020-12-29 | 2021-04-06 | 广东天波教育科技有限公司 | Method, device and system for local area consumption |
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Cited By (18)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103501447A (en) * | 2013-10-25 | 2014-01-08 | 乐视网信息技术（北京）股份有限公司 | Method, device and system about smart television payment |
| CN103593757A (en) * | 2013-11-29 | 2014-02-19 | 成树嘎 | Method for bank transfer via mobile phone |
| JP2017514242A (en) * | 2014-03-14 | 2017-06-01 | フージェン ランディー コマーシャル イクイップメント カンパニー リミテッドＦｕｊｉａｎ Ｌａｎｄｉ Ｃｏｍｍｅｒｃｉａｌ Ｅｑｕｉｐｍｅｎｔ Ｃｏ．，Ｌｔｄ | O2O secure settlement method, O2O secure settlement system and POS terminal |
| WO2015135384A1 (en) * | 2014-03-14 | 2015-09-17 | 福建联迪商用设备有限公司 | O2o secure payment method and system, and pos terminal |
| CN104392351A (en) * | 2014-11-15 | 2015-03-04 | 安徽省新方尊铸造科技有限公司 | Two-dimensional code recognition technology-based supermarket quick payment system |
| CN104463586A (en) * | 2014-12-04 | 2015-03-25 | 李政德 | Offline payment method suitable for channel supplier |
| CN107153851A (en) * | 2016-03-06 | 2017-09-12 | 神州黑鹰（上海）信息科技有限公司 | Multifunction card control system and control method |
| CN107153979A (en) * | 2016-03-06 | 2017-09-12 | 神州黑鹰（上海）信息科技有限公司 | The method and system of card two-dimensional code scanning shopping |
| CN106022772A (en) * | 2016-05-27 | 2016-10-12 | 深圳市八零年代网络科技有限公司 | Payment card setting method and payment card setting device |
| WO2018019169A1 (en) * | 2016-07-27 | 2018-02-01 | 阿里巴巴集团控股有限公司 | Two-dimensional code identification method and device, and mobile terminal |
| US11393017B2 (en) | 2016-07-27 | 2022-07-19 | Advanced New Technologies Co., Ltd. | Two-dimensional code identification method and device, and mobile terminal |
| CN106548335A (en) * | 2016-10-20 | 2017-03-29 | 安徽大智睿科技技术有限公司 | A kind of smart travel method paid based on cloud |
| CN107301548A (en) * | 2017-07-28 | 2017-10-27 | 北京早八点网络科技有限公司 | Store and cash register integral system under line on a kind of line |
| CN107491956A (en) * | 2017-07-28 | 2017-12-19 | 天津炬库云商网络科技有限公司 | A kind of on-line off-line mobile payment service platform |
| CN108229948A (en) * | 2017-11-23 | 2018-06-29 | 黄波 | A kind of Petty paying method |
| CN111062710A (en) * | 2019-11-20 | 2020-04-24 | 四川商通实业有限公司 | APP-based multi-prepaid-card payment method and system |
| CN111951001A (en) * | 2020-08-20 | 2020-11-17 | 艾体威尔电子技术(北京)有限公司 | Prepaid card management system |
| CN112613874A (en) * | 2020-12-29 | 2021-04-06 | 广东天波教育科技有限公司 | Method, device and system for local area consumption |
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