CN103577979A - Mobile payment system applying two-dimensional bar code and corresponding method - Google Patents
Mobile payment system applying two-dimensional bar code and corresponding method Download PDFInfo
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- CN103577979A CN103577979A CN201210271513.7A CN201210271513A CN103577979A CN 103577979 A CN103577979 A CN 103577979A CN 201210271513 A CN201210271513 A CN 201210271513A CN 103577979 A CN103577979 A CN 103577979A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/20—Point-of-sale [POS] network systems
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
- G06Q20/3223—Realising banking transactions through M-devices
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3821—Electronic credentials
- G06Q20/38215—Use of certificates or encrypted proofs of transaction rights
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
Abstract
The invention discloses a mobile payment system applying a two-dimensional bar code and a corresponding method. The mobile payment system applying the two-dimensional bar code comprises an issuing bank (1), a bill receiving bank (2), a POS machine (3) of a merchant and a mobile phone (4) of a client. Mobile payment form software is arranged in the mobile phone (4) and stores bank card account data of the client in the issuing bank (1). When the client performs trade payment to the merchant, the POS machine (3) of the merchant generates the two-dimensional bar code loaded with payment information, and the two-dimensional bar code is printed on a payment bill. The client uses the mobile payment form software of the mobile phone (4) of the client to shoot a two-dimensional bar code image on the payment bill, decoding is performed, payment information is restored, and the payment information is transmitted to the issuing bank (1) along with the stored bank card amount data to undergo authentication. After authentication succeeds, the issuing bank (1) transfers money to a due bank account of the bill receiving bank (2) from a bank card amount of the client, and then the bill receiving bank (2) notifies the merchant of successful collection through the POS machine.
Description
[technical field]
The present invention relates to Mobile-Payment Technology, particularly relate to a kind of hand call payment system and correlation method that utilizes two-dimensional bar code.
[background technology]
Current mobile-phone payment, is generally applied to internet shopping, hands over telephone expenses, life is paid dues, the various long-range consumption payments of mobile phone ticket booking, mobile phone stake etc.And in some aspectant consumption payments, still so that in cash or bank card to pay be main, while using mobile-phone payment due to user, need to carry out a plurality of mutual operations with gathering trade company, especially user needs the information of the relevant trade company of entirely true input gathering, slightly make mistakes and all can not complete payment, much more complicated than using bank card to pay in operation.While using bank card to pay, most operation is all to be undertaken by gathering trade company, and user only need sign or input password confirming.Due to above-mentioned, affected mobile-phone payment in the application of consumption payment face-to-face, being one has problem to be solved.
[summary of the invention]
Object of the present invention, is to provide a kind of hand call payment system and correlation method that utilizes two-dimensional bar code, can solve the above problems, and to realize, mobile-phone payment is applied to consumption payment face-to-face.
The object of the present invention is achieved like this, adopt a kind of like this hand call payment system, it is characterized in that, described system includes issuing bank (1), merchant bank (2), the POS machine (3) of each trade company, each client's mobile phone (4), wherein, issuing bank (1) is provided with each client's bank card account, merchant bank (2) is provided with the account of receiving bank of each trade company, in POS machine (3), be provided with two-dimensional bar code formula software, can according to transaction content, produce the two-dimensional bar code that is loaded with payment information in when transaction is printed on paying bill, in mobile phone (4), be provided with mobile-phone payment formula software, store the client of this mobile phone (4) in the bank card account data of issuing bank (1), when client carries out transaction payment in trade company, the POS machine (3) of trade company produces according to transaction content the two-dimensional bar code be loaded with payment information and is printed on paying bill, two-dimensional bar code image decoding that client uses the mobile-phone payment formula software of establishing in its mobile phone (4) to take on paying bill restore payment information, then by mobile telephone network (5), payment information is authenticated to issuing bank (1) together with stored bank card account data transmission, issuing bank after authentication success (1) according to payment information and bank card account data from this client's bank card account Zhuan Qiandaogai trade company the account of receiving bank in merchant bank (2), then the POS machine (3) of merchant bank (2) notice trade company is successfully collected money.
For realizing object of the present invention, also adopt a kind of like this hand set paying method, it is characterized in that, described method comprises the steps:
A. the POS machine (3) that client carries out transaction payment Shi，You trade company in trade company produces according to transaction content the two-dimensional bar code that is loaded with payment information and is printed on paying bill, and POS machine (3) is sent to merchant bank (2) by payment information;
B. client uses the mobile-phone payment formula software of establishing in its mobile phone (4) to take on paying bill two-dimensional bar code image decoding restore payment information;
C. mobile-phone payment formula software authenticates together with stored bank card account data transmission payment information by mobile telephone network (5) to issuing bank (1);
D. issuing bank (1) authenticates bank card account data, and send payment information to merchant bank (2), merchant bank (2) check this payment information errorless and issuing bank (1) authentication bank card account data success Hou， issuing bank (1) consistent with payment information received in steps A by according to payment information and bank card account data from this client's bank card account Zhuan Qiandaogai trade company the account of receiving bank in merchant bank (2);
E. the POS machine (3) of merchant bank (2) notice trade company is successfully collected money.
So just realized well object of the present invention.
Hand call payment system of the present invention and method, utilized two-dimensional bar code to simplify the interactive operation between user and trade company, allows mobile-phone payment also can be used for the application paying face-to-face.
[accompanying drawing explanation]
Fig. 1 is the schematic illustration of hand call payment system of the present invention.
In figure, method step marks with the straight line with arrow by the numeral of circle.Accompanying drawing is schematically, in order to the key step of formation of the present invention and method to be described.
[embodiment]
Below in conjunction with accompanying drawing, method of the present invention is described in further detail.
Consult Fig. 1, Fig. 1 is the schematic illustration of hand call payment system of the present invention, system shown in Fig. 1 includes issuing bank (1), merchant bank (2), the POS machine (3) of each trade company, each client's mobile phone (4), wherein, issuing bank (1) is provided with each client's bank card account, merchant bank (2) is provided with the account of receiving bank of each trade company, in POS machine (3), be provided with two-dimensional bar code formula software, can according to transaction content, produce the two-dimensional bar code that is loaded with payment information in when transaction is printed on paying bill, in mobile phone (4), be provided with mobile-phone payment formula software, store the client of this mobile phone (4) in the bank card account data of issuing bank (1), when client carries out transaction payment in trade company, the POS machine (3) of trade company produces according to transaction content the two-dimensional bar code be loaded with payment information and is printed on paying bill, two-dimensional bar code image decoding that client uses the mobile-phone payment formula software of establishing in its mobile phone (4) to take on paying bill restore payment information, then by mobile telephone network (5), payment information is authenticated to issuing bank (1) together with stored bank card account data transmission, issuing bank after authentication success (1) according to payment information and bank card account data from this client's bank card account Zhuan Qiandaogai trade company the account of receiving bank in merchant bank (2), then the POS machine (3) of merchant bank (2) notice trade company is successfully collected money.
In this manual, described mobile phone (4) is the smart mobile phone that application can be installed, and be provided with phtographic lens, can take two-dimensional bar code image, mobile-phone payment formula software for paying has also been installed in mobile phone (4), and stored client's bank card account data, described mobile-phone payment formula software has the decoding function of two-dimensional bar code, and the function with processing bank card Account Profile and payment information, mobile-phone payment formula software can pass through mobile phone (4) and mobile telephone network (5) and issuing bank (1) exchange message, the stored bank card account data of mobile phone (4) and the payment information that restores from two-dimensional bar code decoding are sent to issuing bank (1) authentication and further process.Client uses before hand call payment system of the present invention, need in issuing bank (1), to offer bank card account in advance, and register the mobile phone Account Profiles such as its mobile phone (4) telephone number, mobile phone (4) will be installed above-mentioned mobile-phone payment formula software in advance simultaneously.Aspect trade company, the POS machine (3) being provided by merchant bank (2) need to be provided in trade company, this POS machine (3) has two-dimensional bar code formula software, can produce the two-dimensional bar code be loaded with payment information according to transaction content is printed on paying bill, when confession client's mobile phone (4) pays, take, by two-dimensional bar code mode, payment information is sent to mobile phone (4).In this manual, described bank card account comprises: credit card account, debit card account, credit card account, savings account or check account, bank card account also can Shi You financial institution distribution for the account of the smart card that pays, all-purpose card account etc. for example, for convenience of description, be called without exception in this manual bank card account.
Continue to consult Fig. 1, the method step of payment system of the present invention is also shown in Fig. 1, concrete step is as follows:
A. the POS machine (3) that client carries out transaction payment Shi，You trade company in trade company produces according to transaction content the two-dimensional bar code that is loaded with payment information and is printed on paying bill, and POS machine (3) is sent to merchant bank (2) by payment information;
B. client uses the mobile-phone payment formula software of establishing in its mobile phone (4) to take on paying bill two-dimensional bar code image decoding restore payment information;
C. mobile-phone payment formula software authenticates together with stored bank card account data transmission payment information by mobile telephone network (5) to issuing bank (1);
D. issuing bank (1) authenticates bank card account data, and send payment information to merchant bank (2), merchant bank (2) check this payment information errorless and issuing bank (1) authentication bank card account data success Hou， issuing bank (1) consistent with payment information received in steps A by according to payment information and bank card account data from this client's bank card account Zhuan Qiandaogai trade company the account of receiving bank in merchant bank (2);
E. the POS machine (3) of merchant bank (2) notice trade company is successfully collected money.
In above-mentioned method step, described step C also comprises that client is at the upper input of mobile phone (4) bank card account password, then by the upper mobile-phone payment formula software of mobile phone (4), this bank card account password is sent to issuing bank (1), and, in described step D, described issuing bank (1) is except authenticating described bank card account data, also authenticate described bank card account password, when merchant bank (2) check the errorless and issuing bank (1) of payment information authentication bank card account data and bank card account password all authenticate errorless after, the talent of issuing bank (1) according to payment information and bank card account data from this client's bank card account Zhuan Qiandaogai trade company the account of receiving bank in merchant bank (2).In addition; described bank card account data is to be stored on mobile phone (4) after adopting digital certificates to encrypt; and; issuing bank (1) authenticates bank card account data by digital certificates; and; described digital certificates are by cryptoguard; client uses mobile phone (4) to carry out before transaction payment; mobile-phone payment formula software can verify that whether the password that client inputs is consistent with the password of these digital certificates of protection, verifies that errorless rear mobile-phone payment formula software just proceeds transaction payment.
In the present invention, described two-dimensional bar code can be the bar code that meets QR Code specification, can be also the bar code of other standards or specification, no matter adopts the bar code of that a kind of specification, all can realize well object of the present invention.
Although the present invention is illustrated with the above embodiments, the present invention is not limited to this, in the situation that do not leave the scope of spirit of the present invention and appended claims, can do multiple change and variation.
Hand call payment system and the correlation method that utilizes two-dimensional bar code of the present invention, utilized two-dimensional bar code to simplify the interactive operation between user and trade company, and ensure safety by digital certificates, password etc., enforcement of the present invention, popularization E-Payment, particularly mobile-phone payment are applied to pay face-to-face aspect to have a positive effect.
Claims (7)
1. a hand call payment system, it is characterized in that, described system includes the POS machine (3) of issuing bank (1), ,Ge trade company of merchant bank (2), each client's mobile phone (4), wherein, in POS machine (3), be provided with two-dimensional bar code formula software, can according to transaction content, produce the two-dimensional bar code that is loaded with payment information in when transaction is printed on paying bill, in mobile phone (4), be provided with mobile-phone payment formula software, store the client of this mobile phone (4) in the bank card account data of issuing bank (1), when client carries out transaction payment in trade company, the POS machine (3) of trade company produces according to transaction content the two-dimensional bar code be loaded with payment information and is printed on paying bill, two-dimensional bar code image decoding that client uses the mobile-phone payment formula software of establishing in its mobile phone (4) to take on paying bill restore payment information, then by mobile telephone network (5), payment information is authenticated to issuing bank (1) together with stored bank card account data transmission, issuing bank after authentication success (1) according to payment information and bank card account data from this client's bank card account Zhuan Qiandaogai trade company the account of receiving bank in merchant bank (2).
2. hand call payment system as claimed in claim 1, is characterized in that, described two-dimensional bar code is to meet QR Code specification bar code.
3. a hand set paying method, is characterized in that, described method comprises the steps:
A. the POS machine (3) that client carries out transaction payment Shi，You trade company in trade company produces according to transaction content the two-dimensional bar code that is loaded with payment information and is printed on paying bill, and POS machine (3) is sent to merchant bank (2) by payment information;
B. client uses the mobile-phone payment formula software of establishing in its mobile phone (4) to take on paying bill two-dimensional bar code image decoding restore payment information;
C. mobile-phone payment formula software authenticates together with stored bank card account data transmission payment information by mobile telephone network (5) to issuing bank (1);
D. issuing bank (1) authenticates bank card account data, and send payment information to merchant bank (2), merchant bank (2) check this payment information errorless and issuing bank (1) authentication bank card account data success Hou， issuing bank (1) consistent with payment information received in steps A by according to payment information and bank card account data from this client's bank card account Zhuan Qiandaogai trade company the account of receiving bank in merchant bank (2);
E. the POS machine (3) of merchant bank (2) notice trade company is successfully collected money.
4. hand set paying method as claimed in claim 3, it is characterized in that, described step C also comprises that client is at the upper input of mobile phone (4) bank card account password, then by the upper mobile-phone payment formula software of mobile phone (4), this bank card account password is sent to issuing bank (1), and, in described step D, described issuing bank (1) is except authenticating described bank card account data, also authenticate described bank card account password, when merchant bank (2) check the errorless and issuing bank (1) of payment information authentication bank card account data and bank card account password all authenticate errorless after, the talent of issuing bank (1) according to payment information and bank card account data from this client's bank card account Zhuan Qiandaogai trade company the account of receiving bank in merchant bank (2).
5. the hand set paying method as described in claim 3 or 4 any one, it is characterized in that, described bank card account data is to be stored in mobile phone (4) above after adopting digital certificates to encrypt, and issuing bank (1) authenticates bank card account data by digital certificates.
6. hand set paying method as claimed in claim 8; it is characterized in that; described digital certificates are by cryptoguard; client uses mobile phone (4) to carry out before transaction payment; mobile-phone payment formula software can verify that whether the password that client inputs is consistent with the password of these digital certificates of protection, verifies that errorless rear mobile-phone payment formula software just proceeds transaction payment.
7. hand set paying method as claimed in claim 6, is characterized in that, described two-dimensional bar code is to meet QR Code specification bar code.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
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| CN201210271513.7A CN103577979A (en) | 2012-07-31 | 2012-07-31 | Mobile payment system applying two-dimensional bar code and corresponding method |
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| CN201210271513.7A CN103577979A (en) | 2012-07-31 | 2012-07-31 | Mobile payment system applying two-dimensional bar code and corresponding method |
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Cited By (9)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN103839157A (en) * | 2014-02-25 | 2014-06-04 | 中国联合网络通信集团有限公司 | Electronic payment method, device and system |
| CN103942677A (en) * | 2014-03-06 | 2014-07-23 | 北京钱袋宝支付技术有限公司 | Transaction payment method and system, and POS machine |
| CN104268748A (en) * | 2014-08-27 | 2015-01-07 | 北京卡富通盈科技有限公司 | Method and system for achieving mobile payment of physical store |
| CN104766200A (en) * | 2015-04-02 | 2015-07-08 | 深圳票联金融服务有限公司 | Hand-controlled payment method and hand-controlled payment system |
| CN105989471A (en) * | 2015-03-03 | 2016-10-05 | 中兴通讯股份有限公司 | Secure payment realization method, mobile terminal and payment authentication server |
| CN106651375A (en) * | 2017-02-07 | 2017-05-10 | 桂林理工大学 | Double-medium offline payment device having VLC and Barcode public-key system |
| CN106920096A (en) * | 2017-02-07 | 2017-07-04 | 桂林理工大学 | Double media quick offline electronic payment method of double certifications under public key system |
| CN107369021A (en) * | 2017-06-28 | 2017-11-21 | 北京小米移动软件有限公司 | Information processing method, apparatus and system |
| CN108140179A (en) * | 2015-07-27 | 2018-06-08 | 万事达卡国际股份有限公司 | Using machine readable code without the electric payment transaction of on-line joining process |
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| CN106651375A (en) * | 2017-02-07 | 2017-05-10 | 桂林理工大学 | Double-medium offline payment device having VLC and Barcode public-key system |
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Application publication date: 20140212 |