CN103646327A - Payment method based on two-dimension code - Google Patents
Payment method based on two-dimension code Download PDFInfo
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- CN103646327A CN103646327A CN201310565054.8A CN201310565054A CN103646327A CN 103646327 A CN103646327 A CN 103646327A CN 201310565054 A CN201310565054 A CN 201310565054A CN 103646327 A CN103646327 A CN 103646327A
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- payment
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- response code
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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
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3274—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
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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
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- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Finance (AREA)
- Computer Security & Cryptography (AREA)
- Computer Networks & Wireless Communication (AREA)
- Cash Registers Or Receiving Machines (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention discloses a payment method based on a two-dimension code. The method includes a generation step of a two-dimension code used for payment and a two-dimension-code payment step. In the payment method based on the two-dimension code, the card number or magnetic-code information of a card which has a payment function is stored in the form of the two-dimension code and when payment is needed, the two-dimension code which has the payment function is acquired through a mobile terminal and payment activity is completed through identity verification so that a condition of demagnetization of the card is prevented; and security of the payment process is ensured through password authentication and a one-time consumption two-dimension code.
Description
Technical field
The present invention relates to a kind of method of payment, particularly relate to a kind of method of payment based on Quick Response Code.
Background technology
Development along with electronic technology, utilize mobile terminal to carry out the mode of account payment more and more general, by mobile terminal, in addition internet or closely sensing direct or indirect to type of financial mechanism of bank, send payment instruction, produce capital transfer, thereby realize mobile payment.Rise and development along with 3G technology, thereby driven the rise of mobile e-business, made mobile phone become transaction terminal more easily, in recent years, the high speed development of China Internet, popularity rate improves constantly has laid solid foundation for the high speed development of mobile e-business.In sum, mobile payment mode is by becoming one of major way of people's current consumption payment, therefore significant to the research of mobile payment mode.
At present, the most frequently used mobile payment mode is the mode of swiping the card, utilize POS terminal that consumption information is sent to Unionpay's platform, after Unionpay's land identification relevant information, the information of withholing is sent to issuing bank, after issuing bank confirms, the information that postbacks is again to Unionpay's platform, after Unionpay confirms, can more processed information be sent to preposition terminal, terminal is received after confirmation, print document, complete payment.The way of paying of swiping the card bring people and consume easily, still, also have some problems, and the most common is exactly to leave behind card and card demagnetization, in payment process, leave behind the situations such as card or card demagnetization if occur, make troubles to people's payment activity.
Summary of the invention
The object of the invention is to overcome the deficiencies in the prior art, a kind of method of payment based on Quick Response Code is provided, adopt Quick Response Code form to store card number or the magnetic code information with the card of payment function, when needs pay, the Quick Response Code by acquisition for mobile terminal with payment function, and by identity validation, complete payment activity, avoid the situation of card demagnetization; By password authentification and one-time consumption Quick Response Code, thus the security of the process of guaranteeing payment.
The object of the invention is to be achieved through the following technical solutions: a kind of method of payment based on Quick Response Code, it comprises that one generates step and a Quick Response Code payment step for paying the Quick Response Code of use, described Quick Response Code generates step and comprises:
S101: the card image of obtaining the Payment Card with payment function;
S102: user is sent to payment management center by the payment application on intelligent terminal by the payment card information of obtaining;
S103: the payment card information that transmit according to user at payment management center generates the Quick Response Code with payment function;
S104: payment management center is sent to Cloud Server by the Quick Response Code with payment function generating and stores.
Described Quick Response Code payment step comprises:
S201: the merchandise news that commodity seller is chosen user is carried out typing;
S202: the merchandise news to typing is identified, draws the consumption amount of money;
S203: user confirms its consumption amount of money, confirm errorless after, by payment application, to payment management center, send to pay request;
S204: payment management center receives after the request of payment, sends identity validation request to payment application;
S205: user inputs identity validation information by payment application, and be sent to payment management center;
S206: process the identity validation information receiving at payment management center, if information correctly sends Quick Response Code request of data to Cloud Server, if information is incorrect, returns to S205;
S207: Cloud Server sends request of data according to payment management center, generates corresponding Quick Response Code, and is sent to payment application;
S208: payment application two-dimensional code display, scans for commodity seller;
S209: the 2 D code information that scanning is obtained is sent to banking system or third-party payment system;
S210: banking system or third-party payment system are processed the information receiving, sends password request to payment application;
S211: user inputs encrypted message by payment application;
S212: banking system or third-party payment system judge the password of user's input, if encrypted message is correct, settle accounts, if the incorrect S210 that returns of encrypted message.
Two bit codes that the present invention is generated by Cloud Server are disposable Quick Response Code.
The card image of Payment Card of the present invention is the magnetic code information of card number information or the Payment Card of Payment Card.
Compared with prior art, the invention has the beneficial effects as follows:
1) adopt Quick Response Code form to store card number or the magnetic code information with the card of payment function, when needs pay, by acquisition for mobile terminal, there is the Quick Response Code of payment function, and pass through identity validation, complete payment activity, avoided leaving behind the situation of card and card demagnetization;
2) in payment process, password authentification and one-time consumption Quick Response Code, thereby the security of the process of guaranteeing payment.
Accompanying drawing explanation
Fig. 1 is Quick Response Code product process figure of the present invention;
Fig. 2 is Quick Response Code payment flow figure of the present invention.
Embodiment
Below in conjunction with accompanying drawing, technical scheme of the present invention is described in further detail, but protection scope of the present invention is not limited to the following stated.
As shown in Figure 1, a kind of method of payment based on Quick Response Code, it comprises that one generates step and a Quick Response Code payment step for paying the Quick Response Code of use, described Quick Response Code generates step and comprises:
S101: the card image of obtaining the Payment Card with payment function;
S102: user is sent to payment management center by the payment application on intelligent terminal by the payment card information of obtaining;
S103: the payment card information that transmit according to user at payment management center generates the Quick Response Code with payment function;
S104: payment management center is sent to Cloud Server by the Quick Response Code with payment function generating and stores.
As shown in Figure 2, described Quick Response Code payment step comprises:
S201: the merchandise news that commodity seller is chosen user is carried out typing;
S202: the merchandise news to typing is identified, draws the consumption amount of money;
S203: user confirms its consumption amount of money, confirm errorless after, by payment application, to payment management center, send to pay request;
S204: payment management center receives after the request of payment, sends identity validation request to payment application;
S205: user inputs identity validation information by payment application, and be sent to payment management center;
S206: process the identity validation information receiving at payment management center, if information correctly sends Quick Response Code request of data to Cloud Server, if information is incorrect, returns to S205, and recycle time is 5 times at most;
S207: Cloud Server sends request of data according to payment management center, generates corresponding Quick Response Code, and is sent to payment application;
S208: payment application two-dimensional code display, scans for commodity seller;
S209: the 2 D code information that scanning is obtained is sent to banking system or third-party payment system;
S210: banking system or third-party payment system are processed the information receiving, sends password request to payment application;
S211: user inputs encrypted message by payment application;
S212: banking system or third-party payment system judge the password of user's input, if encrypted message is correct, settles accounts, if the incorrect S210 that returns of encrypted message, recycle time is 5 times at most.
After having settled accounts, banking system or third-party payment system feed back to commodity seller and payment application by clearing receipt, thereby complete payment and settlement.
Two bit codes that the present invention is generated by Cloud Server are disposable Quick Response Code.
The card image of Payment Card of the present invention is the magnetic code information of card number information or the Payment Card of Payment Card.
The above is only the preferred implementation of invention, be to be understood that the present invention is not limited to disclosed form herein, should not regard the eliminating to other embodiment as, and can be used for various other combinations, modification and environment, and can, in contemplated scope described herein, by technology or the knowledge of above-mentioned instruction or association area, change.And the change that those skilled in the art carry out and variation do not depart from the spirit and scope of the present invention, all should be in the protection domain of claims of the present invention.
Claims (4)
1. the method for payment based on Quick Response Code, is characterized in that: it comprises that one generates step and a Quick Response Code payment step for paying the Quick Response Code of use, and described Quick Response Code generates step and comprises:
S101: the card image of obtaining the Payment Card with payment function;
S102: user is sent to payment management center by the payment application on intelligent terminal by the payment card information of obtaining;
S103: the payment card information that transmit according to user at payment management center generates the Quick Response Code with payment function;
S104: payment management center is sent to Cloud Server by the Quick Response Code with payment function generating and stores.
2. the Quick Response Code payment step described in comprises:
S201: the merchandise news that commodity seller is chosen user is carried out typing;
S202: the merchandise news to typing is identified, draws the consumption amount of money;
S203: user confirms its consumption amount of money, confirm errorless after, by payment application, to payment management center, send to pay request;
S204: payment management center receives after the request of payment, sends identity validation request to payment application;
S205: user inputs identity validation information by payment application, and be sent to payment management center;
S206: process the identity validation information receiving at payment management center, if information correctly sends Quick Response Code request of data to Cloud Server, if information is incorrect, returns to S205;
S207: Cloud Server sends request of data according to payment management center, generates corresponding Quick Response Code, and is sent to payment application;
S208: payment application two-dimensional code display, scans for commodity seller;
S209: the 2 D code information that scanning is obtained is sent to banking system or third-party payment system;
S210: banking system or third-party payment system are processed the information receiving, sends password request to payment application;
S211: user inputs encrypted message by payment application;
S212: banking system or third-party payment system judge the password of user's input, if encrypted message is correct, settle accounts, if the incorrect S210 that returns of encrypted message.
3. a kind of method of payment based on Quick Response Code according to claim 1, is characterized in that: two bit codes that generated by Cloud Server are disposable Quick Response Code.
4. a kind of method of payment based on Quick Response Code according to claim 1, is characterized in that: the magnetic code information of the card number information that the card image of described Payment Card is Payment Card or Payment Card.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201310565054.8A CN103646327A (en) | 2013-11-14 | 2013-11-14 | Payment method based on two-dimension code |
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| CN201310565054.8A CN103646327A (en) | 2013-11-14 | 2013-11-14 | Payment method based on two-dimension code |
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Cited By (16)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104200361A (en) * | 2014-09-05 | 2014-12-10 | 哆啦宝（北京）科技有限公司 | Automatic two-dimension code generation based mobile banking payment system and payment method |
| CN104933563A (en) * | 2015-06-23 | 2015-09-23 | 上海卓易科技股份有限公司 | Method and device for bank card payment |
| CN105139198A (en) * | 2015-08-31 | 2015-12-09 | 北京意锐新创科技有限公司 | Mobile payment method, device and system |
| CN105205660A (en) * | 2015-08-28 | 2015-12-30 | 深圳市泰久信息系统股份有限公司 | Two-dimensional code technology-based card-free payment method |
| CN106022769A (en) * | 2016-06-10 | 2016-10-12 | 中山市科全软件技术有限公司 | Safe payment method for intelligent robot supermarket |
| CN106022768A (en) * | 2016-05-27 | 2016-10-12 | 广州云移信息科技有限公司 | Network payment method based on two-dimensional codes and network payment system based on two-dimensional codes |
| CN106056381A (en) * | 2016-05-27 | 2016-10-26 | 广州云移信息科技有限公司 | Network payment method and system based on two-dimension code |
| CN106228363A (en) * | 2016-08-05 | 2016-12-14 | 黄新勇 | The quick method of payment of member's formula and system |
| CN107491950A (en) * | 2017-08-31 | 2017-12-19 | 天津永兴泰科技有限公司 | Barcode scanning payment mechanism and payment system based on residents ' health card |
| WO2018091001A1 (en) * | 2016-11-21 | 2018-05-24 | 深圳付贝科技有限公司 | Payment method and device, electronic device, and payment system |
| CN108635829A (en) * | 2018-04-27 | 2018-10-12 | 北京云点联动科技发展有限公司 | A kind of grasping means of doll machine |
| CN108711057A (en) * | 2018-06-08 | 2018-10-26 | 深圳市龙腾飞通讯装备技术有限公司 | A kind of method that smartwatch supports payment |
| CN108734894A (en) * | 2018-04-26 | 2018-11-02 | 北京云点联动科技发展有限公司 | A kind of control method of light combined type doll machine |
| CN110232772A (en) * | 2019-05-14 | 2019-09-13 | 佛山科学技术学院 | Automatic stationery vending machine |
| WO2020114113A1 (en) * | 2018-12-05 | 2020-06-11 | 阿里巴巴集团控股有限公司 | Payment code generation method, apparatus and device, and mobile payment method, apparatus and device |
| TWI719216B (en) * | 2016-07-18 | 2021-02-21 | 開曼群島商創新先進技術有限公司 | Graphic code information provision and acquisition method, device and terminal |
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Cited By (20)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN104200361B (en) * | 2014-09-05 | 2018-04-10 | 哆啦宝（北京）科技有限公司 | The Mobile banking's payment system and method for payment automatically generated based on Quick Response Code |
| CN104200361A (en) * | 2014-09-05 | 2014-12-10 | 哆啦宝（北京）科技有限公司 | Automatic two-dimension code generation based mobile banking payment system and payment method |
| CN104933563A (en) * | 2015-06-23 | 2015-09-23 | 上海卓易科技股份有限公司 | Method and device for bank card payment |
| CN105205660A (en) * | 2015-08-28 | 2015-12-30 | 深圳市泰久信息系统股份有限公司 | Two-dimensional code technology-based card-free payment method |
| CN105139198B (en) * | 2015-08-31 | 2019-03-29 | 北京意锐新创科技有限公司 | Method of mobile payment, apparatus and system |
| CN105139198A (en) * | 2015-08-31 | 2015-12-09 | 北京意锐新创科技有限公司 | Mobile payment method, device and system |
| CN106022768A (en) * | 2016-05-27 | 2016-10-12 | 广州云移信息科技有限公司 | Network payment method based on two-dimensional codes and network payment system based on two-dimensional codes |
| CN106056381A (en) * | 2016-05-27 | 2016-10-26 | 广州云移信息科技有限公司 | Network payment method and system based on two-dimension code |
| CN106022769A (en) * | 2016-06-10 | 2016-10-12 | 中山市科全软件技术有限公司 | Safe payment method for intelligent robot supermarket |
| US11501294B2 (en) | 2016-07-18 | 2022-11-15 | Advanced New Technologies Co., Ltd. | Method and device for providing and obtaining graphic code information, and terminal |
| TWI719216B (en) * | 2016-07-18 | 2021-02-21 | 開曼群島商創新先進技術有限公司 | Graphic code information provision and acquisition method, device and terminal |
| CN106228363A (en) * | 2016-08-05 | 2016-12-14 | 黄新勇 | The quick method of payment of member's formula and system |
| WO2018091001A1 (en) * | 2016-11-21 | 2018-05-24 | 深圳付贝科技有限公司 | Payment method and device, electronic device, and payment system |
| CN107491950A (en) * | 2017-08-31 | 2017-12-19 | 天津永兴泰科技有限公司 | Barcode scanning payment mechanism and payment system based on residents ' health card |
| CN108734894A (en) * | 2018-04-26 | 2018-11-02 | 北京云点联动科技发展有限公司 | A kind of control method of light combined type doll machine |
| CN108635829A (en) * | 2018-04-27 | 2018-10-12 | 北京云点联动科技发展有限公司 | A kind of grasping means of doll machine |
| CN108711057A (en) * | 2018-06-08 | 2018-10-26 | 深圳市龙腾飞通讯装备技术有限公司 | A kind of method that smartwatch supports payment |
| WO2020114113A1 (en) * | 2018-12-05 | 2020-06-11 | 阿里巴巴集团控股有限公司 | Payment code generation method, apparatus and device, and mobile payment method, apparatus and device |
| CN110232772A (en) * | 2019-05-14 | 2019-09-13 | 佛山科学技术学院 | Automatic stationery vending machine |
| CN110232772B (en) * | 2019-05-14 | 2021-05-04 | 佛山科学技术学院 | Automatic stationery vending machine |
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Application publication date: 20140319 |