CN103377429A - Payment method and payment system carried out by using two-dimension code - Google Patents
Payment method and payment system carried out by using two-dimension code Download PDFInfo
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- CN103377429A CN103377429A CN2012101121220A CN201210112122A CN103377429A CN 103377429 A CN103377429 A CN 103377429A CN 2012101121220 A CN2012101121220 A CN 2012101121220A CN 201210112122 A CN201210112122 A CN 201210112122A CN 103377429 A CN103377429 A CN 103377429A
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Abstract
The invention relates to a payment method and a payment system carried out based on a two-dimension code and a mobile client terminal. The payment method carried out by using the two-dimension code includes: an association step, in which the mobile client terminal is associated with the bank card account in advance; a printing step, in which a trade two-dimension code is printed by the a merchant terminal; a trade transmission step, in which the trade two-dimension code is read by the mobile client terminal, and a trade message, generated by processing the read trade two-dimension code, is transmitted to the payment platform; and a trade forward step, in which the trade message is processed by the payment platform and is forwarded to a trade system of a bank. According to the payment method and the payment system carried out based on the two-dimension code and the mobile client terminal, a commodity wanted by a card holder is brought to a cashier desk and the trade two-dimension code is printed directly at the cashier desk without the need for a cashier to input a trade account, thus the possibility that a wrong trade account might be input by the cashier is reduced; confidential information of the card holder doesn't go through a third party device in the whole trade process, thus the possibility that the confidential information of the card holder is stolen is reduced; and no other POS machine is needed by the merchant, thus cost of the merchant for accepting bank cards is reduced.
Description
Technical field
The present invention relates to method of payment and the payment system of carrying out with the use two-dimension code, relate to particularly method of payment and the payment system of using two-dimension code to pay by mobile client.
Background technology
At present, each bank card is accepted and is a little substantially adopted the POS facility to swipe the card, the holder gives the cashier bank card, input dealing money and swipe the card at the POS facility by the cashier, the POS facility read bank card information, account password, dealing money etc., then according to association message standard group packet voice, mail to again the bank service end and carry out transaction processing.This scheme has four shortcomings.
Shortcoming one: the cashier has the chance of stealing holder's bank card information, and in the reality such case is arranged also;
Shortcoming two: the cashier might input dealing money by mistake, and the holder can bring loss to the holder not in the situation of duplicate acknowledgment;
Shortcoming three: bank card information, account password etc. are all processed at the POS facility first, and the possibility that has just had confidential information to be stolen here also is no lack of such case in the actual life;
Shortcoming four: trade company needs the extra POS of deployment facility, and the bank card that has increased trade company is accepted cost, has limited to bank card and has accepted development in medium and small trade company, low developed area.
On the other hand, for convenience and the security that improves payment, also proposed to utilize two-dimension code to carry out the method for mobile-phone payment, for example CN101482948A.In this invention, a kind of method that realizes mobile-phone payment based on two-dimension code is proposed, the method is by the mode of the corresponding different service content of the different business of definition number, complicated application type unified management is got up, the relative subject of mobile-phone payment, holder for example, trade company, bank, the each side such as common carrier combine, in use, the holder only need to and upload the business number with the mobile phone typing, system produces corresponding information by interpretation phone number and business number, information is encoded into two-dimension code through encryption again and sends on holder's mobile phone, the holder holds mobile phone and uses to recognition decoding device corresponding to this business number, thereby finish corresponding application, reach the purpose of mobile-phone payment.
In said method, mainly be by each side such as user bound, trade company, bank, mobile phone in advance, finish payment by bank card first, then go to the scene to consume or get commodity as evidence for payment two-dimension code.Utilize in the mobile-phone payment mode of two-dimension code at this, only be with two-dimension code as cashing voucher, can not realize the on-site payment function.
Summary of the invention
In view of the above problems, the present invention has proposed a kind of method of payment and payment system of using two-dimension code to pay in order to realize following purpose.
One of purpose, in whole process of exchange, nobody can contact holder's bank card, has solved the possibility that bank card information is stolen in the process of swiping the card;
Two of purpose, merchant tenninal are directly printed the transaction two-dimension code, do not need the cashier to input dealing money, have solved the possibility that the cashier may input dealing money by mistake;
Three of purpose, whole process of exchange, holder's confidential information has solved the possibility that confidential information is stolen without third party's facility;
Four of purpose, trade company does not need to purchase the POS machine again, can reduce the transaction cost of receiving bank of trade company card, consumption card or IC-card.
The method of payment of the use two-dimension code of first aspect present invention is characterized in that, comprises the steps: in advance so that the mobile client associated steps related with bank card account; Merchant tenninal is printed the printing step of transaction two-dimension code; Mobile client reads described transaction two-dimension code, and the transaction two-dimension code that reads is generated the transaction forwarding step that transaction message mails to payment platform through processing; Step is transmitted in the transaction that bank transaction system was processed and be forwarded to payment platform with described transaction message.
Preferably, also comprise after step is transmitted in described transaction: the transaction response message that bank transaction system is finished payment with expression turns back to respectively replying of mobile client and merchant tenninal and returns step after paymate processes,
Preferably, also comprise after returning step described replying: mobile client and merchant tenninal respectively the response message that returns is processed and point out reply the prompting step.
Preferably, described transaction forwarding step is included in described mobile client and carries out following step:
Read described transaction two-dimension code; Identify the Transaction Information that comprises in the described transaction two-dimension code; Input transaction voucher; Process described Transaction Information; The Transaction Information group is bundled into transaction message; Described transaction message is sent to described payment platform.
Preferably, described transaction forwarding step is included in described payment platform and carries out following step: receive described transaction message from described mobile client; Described transaction message is unpacked; Described transaction message after unpacking is carried out verification and obtained Transaction Information; Process described Transaction Information; Described Transaction Information group is bundled into transaction message; Send described transaction message to bank transaction system.
Preferably, described replying returned the step step and is included in described payment platform and carries out following step:
Receive transaction message from bank transaction system; Described transaction message is unpacked; Described transaction message is carried out verification and obtained Transaction Information; Described Transaction Information is processed; Described Transaction Information group is bundled into transaction message; Transaction message is sent to described mobile client and described merchant tenninal.
Preferably, above-mentioned reply that the prompting step is included in that described mobile client carries out first reply the prompting step and second reply the prompting step what described merchant tenninal was carried out, wherein, described first reply the prompting step comprise: described mobile client receives described transaction message; Described mobile client unpacks transaction message and obtain Transaction Information; Described mobile client is processed described Transaction Information; Described mobile client is concluded the business and is replied prompting, and described second replys the prompting step comprises: described merchant tenninal receives described transaction message; Described merchant tenninal unpacks and obtains Transaction Information with described transaction message; Described merchant tenninal is processed described Transaction Information; Described merchant tenninal is concluded the business and is replied prompting.
Preferably, comprise at least merchant information, Transaction Information in the described transaction two-dimension code.
Preferably, described merchant information comprises trade company number, terminal number at least, and described Transaction Information comprises transaction classification, dealing money.
Preferably, reply prompting and further possess after the step described: confirm respectively to pay in described mobile client and described merchant tenninal whether the transaction of finishing is the affirmation step of working as transaction.
The payment system that the use two-dimension code of first aspect present invention is paid, it is characterized in that, comprise: mobile client, merchant tenninal, payment platform and bank transaction system, described merchant tenninal is used for printing transaction two-dimension code, and described mobile client is used for scanning described transaction two-dimension code and the transaction two-dimension code that scanning obtains is sent to described payment platform through processing the generation transaction message; Described payment platform is used for bank transaction system is processed and be forwarded to described transaction message, processes and send to respectively described mobile client and described merchant tenninal for the transaction response message that returns from described bank transaction system; Described bank transaction system is used for processing transmitting the transaction message of coming from described payment platform, generates the transaction response message, and the response message of will concluding the business turns back to described payment platform.
Preferably, realize being connected by VPN technologies or special line between described merchant tenninal and the described payment platform.
Preferably, connect by wireless network between described mobile client and the described payment platform.
The method of payment of the use two-dimension code of second aspect present invention is characterized in that, comprises the steps: in advance so that the mobile client associated steps related with payment card account; Merchant tenninal is printed the printing step of transaction two-dimension code; Mobile client reads described transaction two-dimension code, and the transaction two-dimension code that reads is generated the transaction forwarding step that transaction message mails to payment platform through processing; Step is transmitted in the transaction that the payment card transaction system was processed and be forwarded to payment platform with described transaction message.
Preferably, also comprise after step is transmitted in described transaction: the transaction response message that the payment card transaction system finishes payment with expression turns back to respectively replying of mobile client and merchant tenninal and returns step after paymate processes.
Preferably, also comprise after returning step described replying: mobile client and merchant tenninal respectively the response message that returns is processed and point out reply the prompting step.
Preferably, described transaction forwarding step is included in described mobile client and carries out following step: read described transaction two-dimension code; Identify the Transaction Information that comprises in the described transaction two-dimension code; Input transaction voucher; Process described Transaction Information; The Transaction Information group is bundled into transaction message; Described transaction message is sent to described payment platform.
Preferably, described transaction forwarding step is included in described payment platform and carries out following step: receive described transaction message from described mobile client; Described transaction message is unpacked; Described transaction message after unpacking is carried out verification and obtained Transaction Information; Process described Transaction Information; Described Transaction Information group is bundled into transaction message; Send described transaction message to the payment card transaction system.
Preferably, described replying returned the step step and is included in described payment platform and carries out following step:
Receive transaction message from the payment card transaction system; Described transaction message is unpacked; Described transaction message is carried out verification and obtained Transaction Information; Described Transaction Information is processed; Described Transaction Information group is bundled into transaction message; Transaction message is sent to described mobile client and described merchant tenninal.
Preferably, above-mentioned reply that the prompting step is included in that described mobile client carries out first reply the prompting step and second reply the prompting step what described merchant tenninal was carried out, wherein, described first reply the prompting step comprise: described mobile client receives described transaction message; Described mobile client unpacks transaction message and obtain Transaction Information; Described mobile client is processed described Transaction Information; Described mobile client is concluded the business and is replied prompting, and described second replys the prompting step comprises: described merchant tenninal receives described transaction message; Described merchant tenninal unpacks and obtains Transaction Information with described transaction message; Described merchant tenninal is processed described Transaction Information; Described merchant tenninal is concluded the business and is replied prompting.
Preferably, comprise at least merchant information, Transaction Information in the described transaction two-dimension code.
Preferably, described merchant information comprises trade company number, terminal number at least, and described Transaction Information comprises transaction classification, dealing money.
Preferably, reply prompting and further possess after the step described: confirm respectively to pay in described mobile client and described merchant tenninal whether the transaction of finishing is the affirmation step of working as transaction.
The payment system that the use two-dimension code of second aspect present invention is paid is characterized in that, comprising:
Mobile client, merchant tenninal, payment platform and payment card transaction system,
Described merchant tenninal is used for printing the transaction two-dimension code,
Described mobile client is used for scanning described transaction two-dimension code and the transaction two-dimension code that scanning obtains is sent to described payment platform through processing the generation transaction message;
Described payment platform is used for the payment card transaction system is processed and be forwarded to described transaction message, processes and send to respectively described mobile client and described merchant tenninal for the transaction response message that returns from described payment card transaction system;
Described payment card transaction system is used for processing transmitting the transaction message of coming from described payment platform, generates the transaction response message, and the response message of will concluding the business turns back to described payment platform.
Preferably, realize being connected by VPN technologies or special line between described merchant tenninal and the described payment platform.
Preferably, connect by wireless network between described mobile client and the described payment platform.
Utilize method of payment and the payment system of utilizing two-dimension code to carry out of the present invention, the holder can bring to purchase the cashier place, unified checkout, generate the transaction two-dimension code by merchant tenninal, scanned by mobile client again and realize payment, by two-dimension code being applied to the on-line real-time transaction, can substitute the existing POS transaction of swiping the card, trade company does not need additionally to purchase the POS facility, therefore, has reduced the cost of swiping the card of trade company.And for example when using the bank card payment, the holder does not need to show bank card, therefore can prevent that card image is stolen.On the other hand, can utilize self encoding characteristics of two-dimension code, guarantee reliably the security of transaction, and, the data transmission between mobile client and the payment platform is adopted digital signature technology, also can effectively guarantee the security of concluding the business.
Description of drawings
Fig. 1 is the expression process flow diagram that utilizes the key step of the method for payment that two-dimension code pays of the present invention.
Fig. 2 is the expression process flow diagram that utilizes transaction forwarding step S103 in the method for payment that two-dimension code pays and transaction to transmit the particular content of step S104 of the present invention.
To be that expression is of the present invention utilize replying in the method for payment that two-dimension code pays to return step S105 and reply the process flow diagram of the particular content of prompting step S106 Fig. 3.
Fig. 4 is the structured flowchart that utilizes the payment system that two-dimension code pays of expression an embodiment of the present invention.
Fig. 5 is the structured flowchart that utilizes the payment system that two-dimension code pays of expression the present invention another embodiment.
Embodiment
The below introduces is a plurality of some in may embodiment of the present invention, aims to provide basic understanding of the present invention, is not intended to confirm key of the present invention or conclusive key element or limits claimed scope.
For making the purpose, technical solutions and advantages of the present invention clearer, the present invention is described in further detail below in conjunction with accompanying drawing.
The first embodiment
The method of payment of paying for use two-dimension code of the present invention below with reference to Fig. 1～Fig. 3 describes.
As shown in Figure 1, the method for payment paid of use two-dimension code of the present invention mainly comprises the steps: in advance so that the mobile client associated steps S101 related with bank card account: merchant tenninal is printed the printing step S102 of transaction two-dimension code; Mobile client reads the transaction two-dimension code that will read after the described transaction two-dimension code and generates the transaction forwarding step S103 that transaction message mails to payment platform through processing; Step S104 is transmitted in the transaction that bank transaction system was processed and be forwarded to payment platform with described transaction message; The bank transaction system response message of will concluding the business turns back to respectively replying of mobile client and merchant tenninal and returns step S105 after paymate processes; Mobile client and merchant tenninal respectively the response message that returns is processed and point out reply prompting step S106.
Below be specifically described for each step.
In associated steps S101, the holder carries out related with associated bank card account mobile client in advance.
In printing step S102, the holder is printed the transaction two-dimension code by the cashier's machine of merchant tenninal after selecting commodity or selecting service.In this transaction two-dimension code, comprise crucial Transaction Information, for example comprise at least merchant information and Transaction Information, wherein, can be one or more in name of firm, trade company number, the terminal number etc. as merchant information, can comprise transaction classification, dealing money as Transaction Information.
Then, in transaction forwarding step S103, mobile client reads the transaction two-dimension code that is printed by cashier's machine, for example, can by mobile client to two-dimension code scan, the mode such as shooting reads, the Transaction Information that comprises in the two-dimension code that identification is read is in the situation that obtains transaction approval, Transaction Information is processed, and group is wrapped transaction message and transaction message is sent to payment platform.
Then, transmit among the step S104 in transaction, payment platform will unpack from the described transaction message that mobile client is sent, verification, processed group send to bank transaction system after becoming transaction message.
Then, return among the step S105 replying, the transaction response message that bank transaction system will obtain after will processing transaction message sends to payment platform, sends to respectively mobile client and merchant tenninal through forming response message after payment platform verification, the processing.
Then, in replying prompting step S106, after mobile client and merchant tenninal unpack the transaction message of receiving, show respectively response message and identifying code etc. at the screen of mobile client and trade company's end.
About above-mentioned two-dimension code (dimensional barcode), can claim two-dimensional bar code again, be a kind of bar code with readability that expands on the basis of bar code.The device scan two-dimensional bar code, the binary data by putting down in writing in the identification length of bar code and the width can obtain the information that wherein comprises.Compare bar code, the data that the two-dimension code record is more complicated are such as picture, network linking etc.Two-dimensional bar code represents the literal numerical information with several geometrical bodies corresponding with scale-of-two, automatically processes with realization information by image input device or photoelectric scanning device automatically identifying and reading: it has some general character of barcode technology: every kind of code system has its specific character set; Each character occupies certain width; Has certain verifying function etc.Also have simultaneously information automatic identification function to different rows, and characteristics such as processing graphics rotation variation.In the two-dimensional bar code of numerous species, code system commonly used has: Data Matrix, and Maxi Code, Aztec, QR Code, Vericode, PDF417, Ultracode, Code 49, Code 16K etc.
In the present invention, can adopt the two-dimension code of any type, as long as the information such as merchant information and dealing money can be included in the two-dimension code, therefore, here, be not construed as limiting for concrete code system.
Below, describe for the particular content of transaction forwarding step S103 and transaction forwarding step S104 with reference to Fig. 2.
As shown in Figure 2, mobile client is carried out following actions in transaction forwarding step S103.
Mobile client reads the transaction two-dimension code, the Transaction Information that comprises in the identification transaction two-dimension code.Then, be required to input interlock account password or other predefined transaction vouchers, payment is confirmed.
When input transaction voucher, mobile client is carried out following processing to Transaction Information: according to certain algorithm, the transaction voucher that the client is inputted is encrypted; According to certain algorithm, the generating digital signature; Record transaction log (but not recording user transaction voucher); Obtaining the payment account (allows the user to bind account and do not bind account, in the situation of not binding account, directly obtains the payment account of user's input, in the situation of binding account, account can be stored in mobile client or payment platform.Account is stored in the situation of mobile client, the account that Captures Payments, transaction message to be inserted; Account is stored in the situation of payment platform, then processes at payment platform) etc.
Then, according to the security information of the information of from two-dimension code is carried, getting and mobile client generation, according to the message format of payment platform regulation, generate transaction message and namely organize the bag transaction message, send to payment platform.
Here, so-called " message format of regulation " that mutual message between mobile client and the payment platform adopts, can be xml etc., but message format is not specifically limited in the present invention, this is because concrete form should be selected safer, applicable at that time message format when system development.
Between mobile client and payment platform, data transmission is adopted digital signature technology.So-called digital signature is exactly some data that are attached on the data cell, or the cryptographic transformation that the data unit is done.The recipient that this data or conversion allow data cell prevents from being forged by people (for example recipient) in order to the source of confirming data cell and integrality and the protected data of data cell.Digital signature can also be called public key digital signature, Electronic Signature, and it is a kind of similar common physics signature that writes on the paper, but has used the technology in public key encryption field to realize, is used for the method for discriminating digit information.The one usually computing of two kinds of complementations of definition of cover numeral signature, one is used for signature, and another is used for checking.Digital signature is a kind of method that the message of electronic form is signed, and a signature information can be transmitted in a communication network.Can obtain digital signature based on public-key cryptosystem and private key cipher system, mainly be based on the digital signature of public-key cryptosystem at present.The ordinary numbers signature algorithm has RSA, ElGamal, Fiat-Shamir, Guillou-Quisquarter, Schnorr, Ong-Schnorr-Shamir Digital Signature Algorithm, Des/DSA, ECDSA (Elliptic Curve Digital Signature Algorithm) and finte-state machine Digital Signature Algorithm etc.
As shown in Figure 2, transmit payment platform execution following actions among the step S104 in transaction.
Receive described transaction message from described mobile client, described transaction message is unpacked, transaction message is carried out verification, for example, whether checking prediction message whether integrality, check digit signature is correct etc.Then, Transaction Information is carried out following processing: check merchant transaction authority, customer transaction authority; When the user-pay account is stored in payment platform, according to user terminal ID, obtain the payment account; The customer transaction voucher turns encryption; Cipher mode production safety information according to the bank transaction system regulation; According to debit card character and card Bin, obtain routing iinformation etc.Then, according to the Transaction Information that processing obtains, according to the message format of bank transaction system regulation, organize message namely to organize the bag transaction message, transaction message is sent to bank transaction system.
Below, refer again to Fig. 3 and be specifically described for replying to return step S105 and reply prompting step S106.
Return among the step S105 replying, bank transaction system is processed and is finished the transaction message of sending and after bank card is withholdd the transaction message response message sent to payment platform, payment platform receives the response message that sends, response message is unpacked, and response message carried out verification, to confirm its correctness.Then transaction message is processed, organized the bag transaction message, sends transaction message and divide and be clipped to mobile client and trade company's client.
In replying prompting step S106, carry out following actions in mobile client: mobile client receives transaction message, after transaction message is unpacked, Transaction Information is processed, and the response message of will concluding the business is shown in the mobile client terminal.
In replying prompting step S106, carry out following actions in merchant tenninal: merchant tenninal receives transaction message, after the transaction message solution, Transaction Information is processed, the transaction response message is shown in (merchant tenninal has log-on message at payment platform on for example cashier of trade company, find end message according to this trade company number, terminal number, send response message toward this terminal).
Wherein, in the transaction response message that mobile client is received, comprise an identifying code, in addition, also comprise an identifying code in the transaction response message that merchant tenninal is received, the cashier is consistent by checking this identifying code with the holder, and what guarantee that the holder pays with this is that transaction that the cashier is processing.
At last, the holder can show the legitimacy of confirming this transaction by signature form on two-dimension code credential.
The method of payment of utilizing two-dimension code to carry out according to the invention described above, the holder can bring to purchase the cashier place, unified checkout, generate the transaction two-dimension code by merchant tenninal, scanned by mobile client again and realize payment, by two-dimension code being applied to the on-line real-time transaction, can substitute the existing POS transaction of swiping the card, trade company does not need additionally to purchase the POS facility, therefore, has reduced the cost of swiping the card of trade company.Simultaneously, utilize self encoding characteristics of two-dimension code, can guarantee reliably the security of concluding the business.On the other hand, the holder does not need card when paying, and therefore can prevent that card image is stolen.And, the data transmission between client and the payment platform is adopted digital signature technology, effectively guaranteed the security of transaction.
Variation
The method of payment of utilizing two-dimension code to carry out described above is based on bank card carries out, and the present invention can also be applied to the payment of the stored value card of IC-card or consumption card etc. except the payment that can be applied to bank card.In the situation with the stored value card of consumption card etc., different from the embodiment described above is, needs the configuration routing iinformation, and payment platform mails to consumption card card sending mechanism disposal system rather than bank transaction system with transaction message.If adopt in the situation that IC-card pays, IC is a kind of bank card of novel medium, can adopt the processing same with above-mentioned embodiment.
More than be illustrated for the method for payment that adopts two-dimension code to carry out.Below, describe for the payment system that adopts two-dimension code to pay.
Fig. 4 is the structured flowchart that utilizes the payment system that two-dimension code pays of expression an embodiment of the present invention.
As shown in Figure 4, the payment system paid of the two-dimension code of an embodiment of the present invention comprises merchant tenninal 100, mobile client 200, payment platform 300, bank transaction system 400.
400 pairs of transaction message of bank transaction system are processed and the response message of will concluding the business turn back to the detailed process of payment platform 300 and payment platform 300 will conclude the business response message turn back to respectively the detailed process of merchant tenninal 100 and mobile client 200 can be referring to " reply and return step S105 " of having illustrated in the first embodiment.
Realize connecting by wireless network between mobile client 200 and the payment platform 300, for example, GPRS, 3G, wifi etc.Realize being connected by VPN technologies between merchant tenninal 100 and the payment platform 300, also can utilize special line to realize connection.The VPN full name is VPN (virtual private network) (Virtual Private Network), and it is the technology of setting up dedicated network in common network, belongs to remote access technology.Why it is called virtual net, mainly be because the connection between any two nodes of whole VPN network does not have the required end to end physical link of traditional private network, but the logical network that framework provides in common network service provider, user data transmits in logical links.VPN has mainly adopted color tunneling technique, encryption and decryption technology, key management technology and user and equipment identities authentication techniques.In order to guarantee data security, the communication data between vpn server and the client computer has all carried out encryption.Data encryption has been arranged, just can think that data are to carry out safe transmission in the data link of a special use, just as having set up specially a dedicated network.
The payment system that the two-dimension code of above-mentioned embodiment is paid can be applied to the modes of payments of utilizing bank card to carry out.Except bank card, also can be applied to the modes of payments of utilizing IC to carry out, because IC is a kind of bank card of novel medium, can adopt the processing same with above-mentioned embodiment.
In addition, when other cards that adopting beyond bank card or the IC-card, in the situation such as the various Payment Cards of consumption card etc., can utilize the payment system of next embodiment to realize.
Fig. 5 is the structured flowchart that utilizes the payment system that two-dimension code pays of expression the present invention another embodiment.
As shown in Figure 5, the payment system paid of the two-dimension code of an embodiment of the present invention comprises merchant tenninal 101, mobile client 201, payment platform 301, payment card transaction system 401.
Payment card transaction system 401 is used for processing transmitting the transaction message of coming from payment platform 301, generates the transaction response message, and the transaction response message that generates is turned back to payment platform 301.
Realize connecting by wireless network between mobile client 201 and the payment platform 301, for example, GPRS, 3G, wifi etc.Realize being connected by VPN technologies or special line between merchant tenninal 101 and the payment platform 301.
The payment system of utilizing two-dimension code to carry out according to the invention described above, the holder can bring to purchase the cashier place, directly print the transaction two-dimension code by cashier, do not need the cashier to input dealing money, solved the possibility that the cashier may input dealing money by mistake.And trade company do not need to purchase in addition the POS machine, saved the transaction cost that trade company accepts the other forms of Payment Card of consumption card etc.
Above example has mainly illustrated method of payment that use two-dimension code of the present invention is paid and the embodiment of payment system, although only the some of them embodiments of the present invention are described, but those of ordinary skills should understand, and the present invention can be within not departing from its purport and scope implements with many other forms.Therefore, the example of showing and embodiment are regarded as illustrative and not restrictive, and in situation about not breaking away from such as the defined spirit of the present invention of appended each claim and scope, the present invention may be contained various modifications and replacement.
Claims (26)
1. a method of payment of using two-dimension code is characterized in that, comprises the steps:
In advance so that the mobile client associated steps related with bank card account;
Merchant tenninal is printed the printing step of transaction two-dimension code;
Mobile client reads described transaction two-dimension code, and the transaction two-dimension code that reads is generated the transaction forwarding step that transaction message mails to payment platform through processing;
Step is transmitted in the transaction that bank transaction system was processed and be forwarded to payment platform with described transaction message.
2. the method for payment of use two-dimension code as claimed in claim 2 is characterized in that,
After transmitting step, described transaction also comprises:
The transaction response message that bank transaction system is finished payment with expression turns back to respectively replying of mobile client and merchant tenninal and returns step after paymate processes.
3. the method for payment of use two-dimension code as claimed in claim 2 is characterized in that, also comprises after returning step described replying:
Mobile client and merchant tenninal respectively the response message that returns is processed and point out reply the prompting step.
4. the method for payment of use two-dimension code as claimed in claim 3 is characterized in that,
Described transaction forwarding step is included in described mobile client and carries out following step:
Read described transaction two-dimension code;
Identify the Transaction Information that comprises in the described transaction two-dimension code;
Input transaction voucher;
Process described Transaction Information;
The Transaction Information group is bundled into transaction message;
Described transaction message is sent to described payment platform.
5. the method for payment of use two-dimension code as claimed in claim 4 is characterized in that,
Described transaction forwarding step is included in described payment platform and carries out following step:
Receive described transaction message from described mobile client;
Described transaction message is unpacked;
Described transaction message after unpacking is carried out verification and obtained Transaction Information;
Process described Transaction Information;
Described Transaction Information group is bundled into transaction message;
Send described transaction message to bank transaction system.
6. the method for payment of use two-dimension code as claimed in claim 5 is characterized in that,
Described replying returned step and is included in described payment platform and carries out following step:
Receive transaction message from bank transaction system;
Described transaction message is unpacked;
Described transaction message is carried out verification and obtained Transaction Information;
Described Transaction Information is processed;
Described Transaction Information group is bundled into transaction message;
Transaction message is sent to described mobile client and described merchant tenninal.
7. the method for payment of use two-dimension code as claimed in claim 6 is characterized in that,
Above-mentioned reply that the prompting step is included in that described mobile client carries out first reply the prompting step and second reply the prompting step what described merchant tenninal was carried out, wherein,
Described first replys the prompting step comprises:
Described mobile client receives described transaction message;
Described mobile client unpacks transaction message and obtain Transaction Information;
Described mobile client is processed described Transaction Information;
Described mobile client is concluded the business and is replied prompting,
Described second replys the prompting step comprises:
Described merchant tenninal receives described transaction message;
Described merchant tenninal unpacks and obtains Transaction Information with described transaction message;
Described merchant tenninal is processed described Transaction Information;
Described merchant tenninal is concluded the business and is replied prompting.
8. the method for payment of use two-dimension code as claimed in claim 7 is characterized in that,
At least comprise merchant information, Transaction Information in the described transaction two-dimension code.
9. the method for payment of use two-dimension code as claimed in claim 8 is characterized in that,
Described merchant information comprises trade company number, terminal number at least, and described Transaction Information comprises transaction classification, dealing money.
10. the use two-dimension code as claimed in claim 3 method of payment of carrying out is characterized in that,
Reply prompting and further possess after the step described:
Confirm respectively to pay in described mobile client and described merchant tenninal whether the transaction of finishing is the affirmation step of working as transaction.
11. a payment system of using two-dimension code to pay is characterized in that, comprising:
Mobile client, merchant tenninal, payment platform and bank transaction system,
Described merchant tenninal is used for printing the transaction two-dimension code,
Described mobile client is used for scanning described transaction two-dimension code and the transaction two-dimension code that scanning obtains is sent to described payment platform through processing the generation transaction message;
Described payment platform is used for bank transaction system is processed and be forwarded to described transaction message, processes and send to respectively described mobile client and described merchant tenninal for the transaction response message that returns from described bank transaction system;
Described bank transaction system is used for processing transmitting the transaction message of coming from described payment platform, generates the transaction response message, and the response message of will concluding the business turns back to described payment platform.
12. the payment system that use two-dimension code as claimed in claim 11 is paid is characterized in that,
Realize being connected by VPN technologies or special line between described merchant tenninal and the described payment platform.
13. the payment system that use two-dimension code as claimed in claim 11 is paid is characterized in that,
Connect by wireless network between described mobile client and the described payment platform.
14. a method of payment of using two-dimension code is characterized in that, comprises the steps:
In advance so that the mobile client associated steps related with payment card account;
Merchant tenninal is printed the printing step of transaction two-dimension code;
Mobile client reads described transaction two-dimension code, and the transaction two-dimension code that reads is generated the transaction forwarding step that transaction message mails to payment platform through processing;
Step is transmitted in the transaction that the payment card transaction system was processed and be forwarded to payment platform with described transaction message.
15. the method for payment of use two-dimension code as claimed in claim 14 is characterized in that,
After transmitting step, described transaction also comprises:
The transaction response message that the payment card transaction system finishes payment with expression turns back to respectively replying of mobile client and merchant tenninal and returns step after paymate processes.
16. the method for payment of use two-dimension code as claimed in claim 15 is characterized in that, also comprises after returning step described replying:
Mobile client and merchant tenninal respectively the response message that returns is processed and point out reply the prompting step.
17. the method for payment of use two-dimension code as claimed in claim 16 is characterized in that,
Described transaction forwarding step is included in described mobile client and carries out following step:
Read described transaction two-dimension code;
Identify the Transaction Information that comprises in the described transaction two-dimension code;
Input transaction voucher;
Process described Transaction Information;
The Transaction Information group is bundled into transaction message;
Described transaction message is sent to described payment platform.
18. the method for payment of use two-dimension code as claimed in claim 17 is characterized in that,
Described transaction forwarding step is included in described payment platform and carries out following step:
Receive described transaction message from described mobile client;
Described transaction message is unpacked;
Described transaction message after unpacking is carried out verification and obtained Transaction Information;
Process described Transaction Information;
Described Transaction Information group is bundled into transaction message;
Send described transaction message to the payment card transaction system.
19. the method for payment of use two-dimension code as claimed in claim 18 is characterized in that,
Described replying returned the step step and is included in described payment platform and carries out following step:
Receive transaction message from the payment card transaction system;
Described transaction message is unpacked;
Described transaction message is carried out verification and obtained Transaction Information;
Described Transaction Information is processed;
Described Transaction Information group is bundled into transaction message;
Transaction message is sent to described mobile client and described merchant tenninal.
20. the method for payment of use two-dimension code as claimed in claim 19 is characterized in that,
Above-mentioned reply that the prompting step is included in that described mobile client carries out first reply the prompting step and second reply the prompting step what described merchant tenninal was carried out, wherein,
Described first replys the prompting step comprises:
Described mobile client receives described transaction message;
Described mobile client unpacks transaction message and obtain Transaction Information;
Described mobile client is processed described Transaction Information;
Described mobile client is concluded the business and is replied prompting,
Described second replys the prompting step comprises:
Described merchant tenninal receives described transaction message;
Described merchant tenninal unpacks and obtains Transaction Information with described transaction message;
Described merchant tenninal is processed described Transaction Information;
Described merchant tenninal is concluded the business and is replied prompting.
21. the method for payment of use two-dimension code as claimed in claim 20 is characterized in that,
At least comprise merchant information, Transaction Information in the described transaction two-dimension code.
22. the method for payment of use two-dimension code as claimed in claim 21 is characterized in that,
Described merchant information comprises trade company number, terminal number at least, and described Transaction Information comprises transaction classification, dealing money.
23. the method for payment that use two-dimension code as claimed in claim 22 carries out is characterized in that,
Reply prompting and further possess after the step described:
Confirm respectively to pay in described mobile client and described merchant tenninal whether the transaction of finishing is the affirmation step of working as transaction.
24. a payment system of using two-dimension code to pay is characterized in that, comprising:
Mobile client, merchant tenninal, payment platform and payment card transaction system,
Described merchant tenninal is used for printing the transaction two-dimension code,
Described mobile client is used for scanning described transaction two-dimension code and the transaction two-dimension code that scanning obtains is sent to described payment platform through processing the generation transaction message;
Described payment platform is used for the payment card transaction system is processed and be forwarded to described transaction message, processes and send to respectively described mobile client and described merchant tenninal for the transaction response message that returns from described payment card transaction system;
Described payment card transaction system is used for processing transmitting the transaction message of coming from described payment platform, generates the transaction response message, and the response message of will concluding the business turns back to described payment platform.
25. the payment system that use two-dimension code as claimed in claim 24 is paid is characterized in that,
Realize being connected by VPN technologies or special line between described merchant tenninal and the described payment platform.
26. the payment system that use two-dimension code as claimed in claim 24 is paid is characterized in that,
Connect by wireless network between described mobile client and the described payment platform.
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| CN2012101121220A CN103377429A (en) | 2012-04-17 | 2012-04-17 | Payment method and payment system carried out by using two-dimension code |
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| CN2012101121220A CN103377429A (en) | 2012-04-17 | 2012-04-17 | Payment method and payment system carried out by using two-dimension code |
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| CN103646327A (en) * | 2013-11-14 | 2014-03-19 | 成都博约创信科技有限责任公司 | Payment method based on two-dimension code |
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| CN103985038A (en) * | 2014-04-16 | 2014-08-13 | 深圳市亚略特生物识别科技有限公司 | Payment method of mobile terminal based on fingerprint recognition |
| WO2017012542A1 (en) * | 2015-07-20 | 2017-01-26 | 焦若筠 | Qr code-based cardless payment method and system |
| CN105894275A (en) * | 2016-04-19 | 2016-08-24 | 南京永为科技有限公司 | Two-dimensional-code-based intelligent payment system |
| CN107403319A (en) * | 2016-05-18 | 2017-11-28 | 艾玛迪斯简易股份公司 | The secure exchange for the sensitive data that network is passed through based on bar code and token |
| CN107403319B (en) * | 2016-05-18 | 2023-09-05 | 艾玛迪斯简易股份公司 | Secure exchange of sensitive data over a network based on bar codes and tokens |
| CN110060048A (en) * | 2018-01-19 | 2019-07-26 | 澧达科技股份有限公司 | Exempt from card reading transaction system and the method for card reading transaction system is exempted from operation |
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| TWI700654B (en) * | 2018-11-29 | 2020-08-01 | 臺灣行動支付股份有限公司 | Information processing method and mobile payment system of composite image code |
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| CN112348503A (en) * | 2020-11-24 | 2021-02-09 | 中国农业银行股份有限公司安徽省分行 | Capital collection and payment method |
| CN112348503B (en) * | 2020-11-24 | 2023-11-03 | 中国农业银行股份有限公司安徽省分行 | Fund collection and payment method |
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