CN103268548B - 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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- CN103268548B CN103268548B CN201310146708.3A CN201310146708A CN103268548B CN 103268548 B CN103268548 B CN 103268548B CN 201310146708 A CN201310146708 A CN 201310146708A CN 103268548 B CN103268548 B CN 103268548B
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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 consumption and payment technology, specifically a kind of payment system carrying out using planar bar code technology and internet paying under online and line.
Background technology
E-commerce development is rapid, increasing consumer likes consumption on network, for this commercial trends, also there is increasing trade company while opening up solid shop/brick and mortar store, Xian Shang retail shop is founded on network, trade company often attracts clients when promoting oneself in the form of to undersell this retail shop consumption card to client；In addition, increasing company also provides welfare for employee in the form of providing consumption card and replacing conventional granting material object.But current consumption card mostly can only be as the consumption of entity StoreFront it is impossible to consume as on line, single function, security is poor；Secondly, most consumption cards are all a kind of ferromagnetic releases, deposit improper can cause demagnetization, can not reuse after demagnetization, certain economic loss can be caused；3rd, the remaining sum of such card and consumer record can only be inquired about on specific equipment, lack third-party monitoring, poor transparency.On most line, consumption is employed to bank card and is transferred accounts at present, for safety, needs to input substantial amounts of checking information, a lot of using relatively bothering.
Content of the invention
The task of the present invention is intended to for above-mentioned technical problem, there is provided a kind of payment system that can be simultaneously used in online and offline consumption clearing, the feature of this system is to replace magnetic barcode technology, easy to use and flexible using planar bar code technology, transparency is high, and more safe and reliable.
Technological means：The invention discloses a kind of on-line off-line payment system based on Quick Response Code, including：
Containing certain payment and be provided with the Payment Card of unique Quick Response Code；
For storing the information being associated with Payment Card and processing the management server paying request；
For reading Quick Response Code, to payment mechanism under the line of management server proposition transaction request；
The mobile terminal of Quick Response Code application module is installed, wherein Quick Response Code application module identify Payment Card Quick Response Code and by Payment Card and mobile terminal binding, payment cipher is set and Payment Card is managed；
Management server passes through payment mechanism and mobile terminal under internet connecting line；
The means of payment is as follows：
Pay on line and completed using mobile terminal：A, consumer select commodity to be bought by mobile terminal, submit to Payment Card to pay request to management server；After b, management server receive request, send the information with the Payment Card of this mobile terminal binding to this mobile terminal；C, input payment cipher；D, management server examine Transaction Information, complete to pay；
Under line, payment process is：A, adjust spending amount using payment mechanism under line；B, obtain the information of Payment Card using payment mechanism under line；C, payment cipher is inputted by payment mechanism under line；D, management server examine Transaction Information, complete to pay；
Descend online in the b step of payment process, have two ways to obtain the Quick Response Code of Payment Card：A kind of is to be obtained by the Quick Response Code that payment mechanism under line directly scans Payment Card；Another kind is：B1, mobile terminal propose payment card information by Quick Response Code application module to management server and check request；B2, management server send payment card information and the corresponding Quick Response Code with this mobile terminal binding to mobile terminal；B3, obtain the Quick Response Code of acquisition for mobile terminal in b2 using payment mechanism under line.
Wherein Payment Card with mobile terminal binding before, activated by payment mechanism under mobile terminal or line.
Wherein mobile terminal is panel computer or smart mobile phone.
Wherein Payment Card and the hardware information binding of mobile terminal, are preferably bound with the IMEI code of mobile terminal.
Mobile terminal can be bound with the Payment Card of more than simultaneously；
Now, on line in payment process, c is divided into according to sequential step：C1, selection Payment Card；C2, input payment cipher；
And, descend online in payment process, b3 is divided into according to sequential step：B31, selection Payment Card；B32, obtain corresponding Quick Response Code using payment mechanism under line.
Beneficial effect：1st, by same Payment Card, the system can support that online and offline pay simultaneously, pays convenient, flexible；2nd, by the mobile terminal binding carried with mobile phone, panel computer etc. it is ensured that while consumption safety, card is without carrying with for Payment Card；3rd, utilize planar bar code technology rather than magnetic bar code, can avoid depositing, because of card, the loss that improper demagnetization causes；4th, information management can be carried out to the Payment Card of binding whenever and wherever possible by mobile terminal to check, transparency is high.
Brief description
Fig. 1 is the system construction drawing of the present invention；
Fig. 2 is the payment process flow chart of the present invention.
Specific embodiment
As shown in figure 1, the on-line off-line payment system based on Quick Response Code disclosed by the invention is made up of payment mechanism 2, mobile terminal 3 and Payment Card 4 under management server 1, line, management server 1 passes through payment mechanism 2 and mobile terminal 3 under internet connecting line.Payment Card contains some currency of payment and carries unique Quick Response Code, management server is used for information and the process payment request that storage is associated with Payment Card, under line, payment mechanism is used for obtaining Quick Response Code, and descend online to management server proposition transaction request in payment process, mobile terminal is smart mobile phone or the panel computer that can connect internet.
Before being paid using Payment Card, Quick Response Code first with Quick Response Code application module scanning recognition Payment Card, Payment Card is activated by input active coding, then the hardware information of Payment Card and mobile terminal is bound, such as bind with MAC, IMEI or product ID, finally set up payment cipher just can be paid, a usual mobile terminal can bind multiple Payment Cards simultaneously.Quick Response Code application module also can be managed to Payment Card, to check the information such as Payment Card remaining sum and consumer record by filing a request to management server.
Left-hand component as Fig. 2 show the payment process of the on-line off-line payment system based on Quick Response Code disclosed by the invention, on line, payment process is completed by operating mobile terminal completely, assume that mobile terminal has bound multiple Payment Cards simultaneously, payment process has following step：
Retail shop selects commodity to be bought on line using mobile terminal for a, consumer, and after selecting to pay using Payment Card, Quick Response Code application module is submitted to management server and paid request；
After b, management server receive request, search the information with all Payment Cards of mobile terminal binding, and be sent to mobile terminal；
C, consumer select Payment Card to be used, and input payment cipher；
D, management server examine Transaction Information, complete to pay：Management server examines password, if password is correct, the payment of deduction respective number, and send information to mobile terminal after deduction success and withhold successfully, recalculate Payment Card remaining sum simultaneously；If password is correct, but goods amount can be less than by amount number on Payment Card, first the amount of money on deduction Payment Card, is reresented and paid using other means of payment；If password bad, send information to mobile terminal prompt cipher incorrect.
Pay under the line of the system to divide to have card to pay and no block and pay two ways.Consumer after solid shop/brick and mortar store selects commodity to be bought, by there being the process paying under card line to be：
A, adjust spending amount using payment mechanism under line；
B, directly scan Payment Card to be used using payment mechanism under line, obtain the information of Payment Card；
C, payment cipher is inputted by payment mechanism under line；
D, management server examine Transaction Information, complete to pay, and this step is consistent with the corresponding steps paying on line.
As Fig. 2 right-hand component show under line no card payment process it is assumed that this mobile terminal has bound multiple Payment Cards simultaneously, consumer is after solid shop/brick and mortar store selects commodity to be bought：
A, adjust spending amount using payment mechanism under line；
B, propose payment card information by Quick Response Code application module to management server using mobile terminal and check that request management server sends to mobile terminal to select Payment Card to be used with all of payment card information of this mobile terminal binding and corresponding Quick Response Code consumer and utilize the payment mechanism scanning mobile terminal corresponding Quick Response Code of reading under line；
C, payment cipher is inputted by payment mechanism under line；
D, management server examine Transaction Information, complete to pay, and this step is consistent with the corresponding steps paying on line.
In having card payment process, if selecting the Payment Card using not to be activated, Payment Card can be activated by payment mechanism under line and payment cipher is set, being bound with mobile terminal again after completing First Consumption.
Claims (6)
1. the on-line off-line payment system based on Quick Response Code it is characterised in that：Including：
Containing certain payment and be provided with the Payment Card of unique Quick Response Code；
For storing the information being associated with Payment Card and processing the management server paying request；
For reading Quick Response Code, to payment mechanism under the line of management server proposition transaction request；
The mobile terminal of Quick Response Code application module is installed, wherein Quick Response Code application module identify Payment Card Quick Response Code and by Payment Card and mobile terminal binding, payment cipher is set and Payment Card is managed；
Management server passes through payment mechanism and mobile terminal under internet connecting line；
The working method of the described on-line off-line payment system based on Quick Response Code is as follows：
Pay on line and completed using mobile terminal：A, consumer select commodity to be bought by mobile terminal, submit to Payment Card to pay request to management server；After b, management server receive request, send the information with the Payment Card of this mobile terminal binding to this mobile terminal；C, input payment cipher；D, management server examine Transaction Information, complete to pay；
Under line, payment process is：A, adjust spending amount using payment mechanism under line；B, obtain the information of Payment Card using payment mechanism under line；C, payment cipher is inputted by payment mechanism under line；D, management server examine Transaction Information, complete to pay；
Descend online in the b step of payment process, have two ways to obtain the Quick Response Code of Payment Card：A kind of is to be obtained by the Quick Response Code that payment mechanism under line directly scans Payment Card；Another kind is：B1, mobile terminal propose payment card information by Quick Response Code application module to management server and check request；B2, management server send payment card information and the corresponding Quick Response Code with this mobile terminal binding to mobile terminal；B3, obtain the Quick Response Code of acquisition for mobile terminal in b2 using payment mechanism under line.
2. the on-line off-line payment system based on Quick Response Code according to claim 1 it is characterised in that：Described Payment Card with mobile terminal binding before, activated by payment mechanism under mobile terminal or line.
3. the on-line off-line payment system based on Quick Response Code according to claim 1 it is characterised in that：Described mobile terminal is panel computer or smart mobile phone.
4. the on-line off-line payment system based on Quick Response Code according to claim 1 it is characterised in that：The hardware information binding of described Payment Card and mobile terminal.
5. the on-line off-line payment system based on Quick Response Code according to claim 1 it is characterised in that：The IMEI code binding of described Payment Card and mobile terminal.
6. the on-line off-line payment system based on Quick Response Code according to claim 1 it is characterised in that：Described mobile terminal can be bound with the Payment Card of more than simultaneously；
Now, on line in payment process, c is divided into according to sequential step：C1, selection Payment Card；C2, input payment cipher；
And, descend online in payment process, b3 is divided into according to sequential step：B31, selection Payment Card；B32, obtain corresponding Quick Response Code using payment mechanism under 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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| CN103268548A CN103268548A (en) | 2013-08-28 |
| CN103268548B true CN103268548B (en) | 2017-02-08 |
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Families Citing this family (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 |
| CN103903141B (en) * | 2014-03-14 | 2018-05-08 | 福建联迪商用设备有限公司 | A kind of O2O safe payment methods, system and a kind of 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 |
| CN106874817A (en) * | 2016-07-27 | 2017-06-20 | 阿里巴巴集团控股有限公司 | Two-dimensional code identification method, equipment 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 |
| 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 |
| 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 |
| 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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