CN103679440A - Financial receipt and payment method with two-dimension code being used as carrier - Google Patents
Financial receipt and payment method with two-dimension code being used as carrier Download PDFInfo
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- CN103679440A CN103679440A CN201310678557.6A CN201310678557A CN103679440A CN 103679440 A CN103679440 A CN 103679440A CN 201310678557 A CN201310678557 A CN 201310678557A CN 103679440 A CN103679440 A CN 103679440A
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/16—Payments settled via telecommunication systems
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- 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
- G06Q20/3278—RFID or NFC payments by means of M-devices
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- G—PHYSICS
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- 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
- G06Q30/00—Commerce
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Abstract
The invention relates to a financial receipt and payment method with a two-dimension code being used as a carrier. A two-dimension code payment platform is provided, and the two-dimension code payment platform comprises a user APP service, a merchant APP service, a service logic system and a financial mechanism interface. The user APP service acquires basic money amount service by reading the two-dimension code of a user or a merchant to conduct payment and by acquiring special offers in real time, and the user is provided with convenient and quick mobile on-line payment service or service for conveniently acquiring special offers. The merchant APP service receives the on-line real-time payment of a client, pushes marketing and generation of the two-dimension code and payment order view, and provides merchant with on-line marketing service. The service logic system provides the supporting of the entire platform through two-dimension code management, order management and pushing and a safety module. The financial mechanism interface is used for achieving butt joint of the two-dimension code payment platform and a bank financial mechanism interface. According to the financial receipt and payment method with the two-dimension code being used as the carrier, quick and convenient mobile on-line payment and accurate marking are achieved by using the two-dimension code as the inlet of payment and pushing marketing.
Description
Technical field
The present invention relates to a kind of financial receipt and payment method that Quick Response Code is carrier of take.
Background technology
Epoch business background is that the on-line payment that the electric business of take is core driving factors, just flourish.This piece business, especially pays group with the leading third party of Alipay, in China also at Fast Growth.So, actively innovation, to scheme outside policy superiority, with technological innovation or model innovation or utilize advantage in advance, positive layout and seize highland.
Epoch technical background is, along with technology of Internet of things, cloud computing technology, smart mobile phone, 3G and 4G, to be the mobile communication technology that relies on fast-developing and universal, bring the explosion type of Quick Response Code application to grow up, for Quick Response Code pays, created the community network technological accumulation and inheritance of implementing.
Summary of the invention
In view of this, the object of this invention is to provide a kind of financial receipt and payment method that Quick Response Code is carrier of take.
The present invention adopts following scheme to realize: a kind ofly take the financial receipt and payment method that Quick Response Code is carrier, it is characterized in that: a Quick Response Code payment platform is provided, described Quick Response Code payment platform comprises user APP service, the APP of trade company service, business logic systems and financial institution's interface, user APP service pays by the barcode scanning to the Quick Response Code of trade company or commodity and the base amount that obtains of Real-time Obtaining favor information is served, for user provides the payment services of fast and convenient Mobile Online or conveniently obtains preferential service; The APP of trade company serves and passes through trade company's Quick Response Code, accepts client's online real-time payment, and propelling movement is marketed and Quick Response Code generates and pay invoice is checked, trade company's on-line marketing service is provided; Business logic systems, by Quick Response Code management, order management, propelling movement and security module, provides the support of whole platform; Financial institution's interface, docks with bank finance mechanism interface for Quick Response Code payment platform.
In an embodiment of the present invention, the main flow that user carries out platform registration comprises: user is by described user APP import of services cell-phone number and obtain check code, after check code input is correct, be submitted to business logic systems, business logic systems is obtained the log-on message returning, and this log-on message is stored in database and returns to described user APP service.
In an embodiment of the present invention, the main flow that trade company imports generation Quick Response Code comprises: the keeper of trade company is by the described APP of trade company service login business logic systems and upload trade company's data file, business logic systems generates the UID code of unique identification trade company and generates trade company's Quick Response Code and the key of encrypting, and reads simultaneously and imports described trade company data file in database according to the field defining in configuration file.
In an embodiment of the present invention, the main flow that user carries out barcode scanning payment comprises: user logins trade company's Quick Response Code of the described user APP of rear use service scan encryption and is sent in described business logic systems, the content of trade company's Quick Response Code of described encryption is resolved and shown to business logic systems, user, according to being whether that trade company's Quick Response Code with the amount of money carries out placing an order and paying the bill by preposition after confirmation, finally preserves and returns payment result to described user APP service.
In an embodiment of the present invention, the described main flow generating with trade company's Quick Response Code of the amount of money comprises: the keeper of trade company inputs trade name, commercial specification and amount information and uploads to described business logic systems after logining the APP of trade company service, business logic systems preserves and generates the UID code of unique identification trade company according to those information, the trade company's Quick Response Code with the amount of money that then generates and return encryption is served to the APP of trade company.
In an embodiment of the present invention, preferential Quick Response Code generates and pushes main flow and comprises: the keeper of trade company inputs favor information and uploads to described business logic systems after logining the APP of trade company service, business logic systems preserves and generates the preferential UID code of unique identification trade company according to those information, then generate preferential Quick Response Code and obtain He Gai trade company occurred transaction subscriber data carry out preferential Quick Response Code propelling movement.
The present invention be take Quick Response Code as paying and push the entrance of marketing, realize fast Mobile Online's payment easily and precision marketing, rely on and existing payment plug-in unit, complete payment, and integrate basic financial service, pay the fees, the service application such as Mobile banking, tourism, medical treatment, formation has the financial service entrance of door concept, has the advantages such as simple and direct property, robustness, technical advance and high-performance.
For making object of the present invention, technical scheme and advantage clearer, below will, by specific embodiment and relevant drawings, the present invention be described in further detail.
Accompanying drawing explanation
Fig. 1 is the main Organization Chart of system platform of the present invention.
Fig. 2 is the main flow chart that user of the present invention carries out platform registration.
Tu3Shi trade company of the present invention imports the main flow chart that generates Quick Response Code.
Fig. 4 is the main flow chart that user of the present invention carries out barcode scanning payment.
Fig. 5 is the main flow chart that trade company's Quick Response Code of the band amount of money of the present invention generates.
Fig. 6 is that the preferential Quick Response Code of the present invention generates and push main flow chart.
The main flow chart of Tu7Shi Mobile banking of the present invention door entrance.
Fig. 8 is the main flow chart of pay invoice transaction reconciliation of the present invention.
Embodiment
The invention provides a kind of financial receipt and payment method that Quick Response Code is carrier of take, one Quick Response Code payment platform is provided, as shown in Figure 1, described Quick Response Code payment platform comprises user APP service, the APP of trade company service, business logic systems and financial institution's interface, user APP service pays by the barcode scanning to the Quick Response Code of trade company or commodity and the base amount that obtains of Real-time Obtaining favor information is served, for user provides the payment services of fast and convenient Mobile Online or conveniently obtains preferential service; The APP of trade company service, by trade company's Quick Response Code, is accepted the online of client and is paid in real time, and pushes marketing and Quick Response Code and generate with pay invoice and check, provides trade company's on-line marketing to serve (comprising the generation of preferential Quick Response Code and propelling movement etc.); Business logic systems, by Quick Response Code management, order management, propelling movement and security module, provides the support of whole platform; Financial institution's interface, docks with bank finance mechanism interface for Quick Response Code payment platform.
As shown in Figure 2, the main flow that user carries out platform registration comprises: user is by described user APP import of services cell-phone number and obtain check code, after check code input is correct, be submitted to business logic systems, business logic systems is obtained the log-on message returning, and this log-on message is stored in database and returns to described user APP service.
As shown in Figure 3, the main flow that trade company imports generation Quick Response Code comprises: the keeper of trade company is by the described APP of trade company service login business logic systems and upload trade company's data file, business logic systems generates the UID code of unique identification trade company and generates trade company's Quick Response Code and the key of encrypting, and reads simultaneously and imports described trade company data file in database according to the field defining in configuration file.
As shown in Figure 4, the main flow that user carries out barcode scanning payment comprises: user logins trade company's Quick Response Code of the described user APP of rear use service scan encryption and is sent in described business logic systems, the content of trade company's Quick Response Code of described encryption is resolved and shown to business logic systems, user, according to being whether that trade company's Quick Response Code with the amount of money carries out placing an order and paying the bill by preposition after confirmation, finally preserves and returns payment result to described user APP service.Can also push and pay successful information to the described APP of trade company according to trade company number.
As shown in Figure 5, the described main flow generating with trade company's Quick Response Code of the amount of money comprises: the keeper of trade company inputs trade name, commercial specification and amount information and uploads to described business logic systems after logining the APP of trade company service, business logic systems preserves and generates the UID code of unique identification trade company according to those information, the trade company's Quick Response Code with the amount of money that then generates and return encryption is served to the APP of trade company.
As shown in Figure 6, preferential Quick Response Code generates and pushes main flow and comprises: the keeper of trade company inputs favor information and uploads to described business logic systems after logining the APP of trade company service, business logic systems preserves and generates the preferential UID code of unique identification trade company according to those information, then generate preferential Quick Response Code and obtain He Gai trade company occurred transaction subscriber data carry out preferential Quick Response Code propelling movement.
Preferably, described favor information comprises movable title, activity time, activity description and movable detailed description etc.; Described preferential Quick Response Code is to generate according to preferential UID code; The subscriber data that transaction has occurred in the described He Gai of obtaining trade company is to screen user by trading volume seniority among brothers and sisters, issuing bank, time bracket etc.; The subscriber data that transaction has occurred in the described He Gai of obtaining trade company is accurately to search user by cell-phone number; Customer administrator can select the user that will push to push as required; User checks after receiving the preferential Quick Response Code of propelling movement, need to obtain when preferential and show this preferential Quick Response Code, after the validity of trade company's this preferential Quick Response Code of scanning validation, exchanges; The validity of described preferential Quick Response Code comprise exchange with out of date (etc.).
As shown in Figure 7, the main flow of Mobile banking's door entrance comprises: obtain and preserve the information such as Ge great Mobile banking download link address and icon in the database of local APP, enter Mobile banking interface and show the oral thermometer that enters of each big bank, judge on user's mobile phone and whether install, if user is installed, clicks after downloading corresponding Mobile banking's client successful installation and do not open Mobile banking's client.
As shown in Figure 8, the main flow of pay invoice transaction reconciliation comprises: timing acquisition transaction record every day file also reads parsing transaction content, whether the order of checking in payment system according to order number and Transaction Identification Number is identical with transaction record, if the order transaction information in different renewal system check order status (whether having the order show state of transaction record is payment).
System architecture is introduced:
The framework of Quick Response Code payment platform is that the structure of the J2EE multistory frame n-tier of employing standard designs.
Client layer: Quick Response Code mobile phone with payment function client.Later stage also can scan device, other mobile devices etc. by compatible any webpage.
Presentation layer: the data Layer of serving client.
Data-pushing, forwards layer: after being responsible for data to read from data queue, be pushed to client.
Operation layer: Batch Processing functional module.
Data Layer: data memory interface is responsible for reading of data, storage and renewal.
Adopt multi-tier systematic structure can make the separation between logic, service logic and data base logic, and there are some crucial benefits below:
1) ease of manageability/maintainability: each layer can independently be expanded, safeguards and upgrading.
2) extensibility: can, according to concrete demand, carry out independently hardware dilatation to each layer.
Except above construction characteristic, system for the specific demand of Quick Response Code payment platform made following design:
The data transmission of the propelling movement of asynchronous data and the message-driven of data queue.
The data of Quick Response Code payment platform are real-time payment and the data of order, very high to the requirement of the real-time of the processing of data and reliability.The source of while data, terminal and operation flow are difficult to accomplish accomplish in same transaction.And this mode should be to take asynchronous and things trigger mechanism as main.For above feature, it is the starting point of data processing that platform adopts things to trigger, and adopts the agreement of non-obstruction IO request, and data are stored and forwarded with data queue.By the combination with data-pushing, meet to greatest extent the requirement of system to performance.
SSL network layer encryption:
The interface of all clients (the user APPHuo APP of trade company) peaceful you (operation system) all adopts the SSL network transmission protocol of 128bit.SSL has guaranteed safety and the integrality of data in transmission of data.
Authenticated and server, guarantee that data send to correct client-server; Enciphered data is stolen to prevent data midway; The integrality of service data, guarantees that data are not changed in transmitting procedure.
The generation of key, management and renewal:
The generation of symmetric key and algorithm:
IAIK PKI user key generates with Cun Chu – 192 bit Triple DES keys.
The algorithm of the symmetric cryptography that platform is supported: DES, Triple-DES (3DES), IDEA, CAST5, BLOWFISH, TWOFISH.
BASE64 generates symmetrical key file to key coding.
The user key file of platform end can leave in file system or database.
The key of user side safeguarded by user mobile phone end, upgrades and download by platform end, to be automatically pushed to client and to have brought in.
The generation of unsymmetrical key:
The generation of IAIK PKCS private key for user and PKI is with Cun Chu – 2048 bit RSA key.
BASE64 generates symmetrical key file to key coding.
The user key file of platform end can leave in file system or database.
The private cipher key of user side safeguarded by user mobile phone end, upgrades and download by platform end, to be automatically pushed to client and to have brought in.
Service data request is with request key symmetric cryptography.
When responding, business datum uses response key symmetric cryptography.
The safety of business datum: the encryption of important business data, in database, important business data form adds close – employing key to the data encryption in database.
, in communication and daily record, all can not there is the plaintext of relevant data in any output of the hide-system of account and password.Should adopt special Shuo according to Ge Shi – as 62XXXXXXXXXX2234.
User's authentication and control of authority:
The checking of user account.
The identification of the multifactor authentication of user identity (MFA)-identity, the check and correction of specific question and answer, the obtaining and verification etc. of historical data.User cipher, the preservation of information, upgrades and safeguards.Control of authority.
The preventing malicious attack of platform and code security mechanism:
Prevent the mechanism of network attack.Malicious code, the identification of script and strick precaution.Prevent that SQL from injecting etc.
System alarm, restore peace platform warning function:
The monitoring mechanism of the JMX realizing by program, can carry out real-time monitoring and warning to the virtual machine environment of the JAVA of system operation.Monitoring content comprises: the service condition of internal memory, the service condition of CPU etc.
Scanning daily record instrument during backstage is abnormal to program, the scanning of the different stage of mistake and warning.
The log processing of platform adopts the general utility tool bag slf4j of JAVA to unify to process, and the log interface of the java of compatible universal is as common-logging, log4j, logback etc.
The monitoring of the heartbeat instrument on backstage to each service Communication Layer of platform, web server, data queue's service, data push service, database.
Configuration by system configures alarm parameters.
The warning of platform service data, configuration.For the needs of different business, to dealing money, account, suspicious data is reported to the police.Configurable warning means.Mailbox/note etc.
System alarm software:
Alarm software adopts monitoring to protect software and realizes the regularly stability of querying server, and can be by note and mail reminder O&M personnel, and realizes server no shutdown by relevant professional software.
The backup of system and recovery:
Backup and recover to adopt be buying professional software and oneself write the mode that script cooperatively interacts and automatically back up data to above backup server, when recovering data, according to time point, carry out error free recovery.
It is a framework based on Java/Ajax/Mobile Apps that UID pushes framework, utilizes this framework easily, to develop fast independently service propelling module.Therefore the interface of this framework is to take RESTFul resource as main service interface, and all transmission service modules are all that resource with RESTFul is present in UID and pushes in frame container.
The client of supporting: various WEB scan device/ANDROID/IOS etc.
The agreement (synchronous and asynchronous) of supporting: HTTP/DataStreaming/LongPolling/WebSocket.
The application server of the J2EE supporting: TOMCAT/JBoss/Jetty/WebSphere etc.
At UID, push the pushing module below definition in framework:
Pay propelling movement money source module – and be responsible for pushing the relevant information paying to client.
2 D code information pushes resource module-responsible information that pushes relevant Quick Response Code to client.
Platform response/system information pushes resource module-be responsible for pushing relevant payment result, transaction results, and the information of some systems to client, specifically operation flow and data model please refer to relevant flow process and design data.
The data of following data queue be monitored respectively and be processed to above data-pushing resource will.
Pay invoice data Dui Lie – Transaction Queue, 2 D code information data Dui Lie – QRCode Queue, system responses data Dui Lie – Response Queue.
Above-listed preferred embodiment; the object, technical solutions and advantages of the present invention are further described; institute is understood that; the foregoing is only preferred embodiment of the present invention; not in order to limit the present invention; within the spirit and principles in the present invention all, any modification of doing, be equal to replacement, improvement etc., within all should being included in protection scope of the present invention.
Claims (6)
1. take the financial receipt and payment method that Quick Response Code is carrier for one kind, it is characterized in that: a Quick Response Code payment platform is provided, described Quick Response Code payment platform comprises user APP service, the APP of trade company service, business logic systems and financial institution's interface, user APP service pays by the barcode scanning to the Quick Response Code of trade company or commodity and the base amount that obtains of Real-time Obtaining favor information is served, for user provides the payment services of fast and convenient Mobile Online or conveniently obtains preferential service; The APP of trade company serves and passes through trade company's Quick Response Code, accepts client's online real-time payment, and propelling movement is marketed and Quick Response Code generates and pay invoice is checked, trade company's on-line marketing service is provided; Business logic systems, by Quick Response Code management, order management, propelling movement and security module, provides the support of whole platform; Financial institution's interface, docks with bank finance mechanism interface for Quick Response Code payment platform.
2. a kind of financial receipt and payment method that Quick Response Code is carrier of take according to claim 1, it is characterized in that, the main flow that user carries out platform registration comprises: user is by described user APP import of services cell-phone number and obtain check code, after check code input is correct, be submitted to business logic systems, business logic systems is obtained the log-on message returning, and this log-on message is stored in database and returns to described user APP service.
3. a kind of financial receipt and payment method that Quick Response Code is carrier of take according to claim 1, it is characterized in that, the main flow that trade company imports generation Quick Response Code comprises: the keeper of trade company is by the described APP of trade company service login business logic systems and upload trade company's data file, business logic systems generates the UID code of unique identification trade company and generates trade company's Quick Response Code and the key of encrypting, and reads simultaneously and imports described trade company data file in database according to the field defining in configuration file.
4. a kind of financial receipt and payment method that Quick Response Code is carrier of take according to claim 3, it is characterized in that, the main flow that user carries out barcode scanning payment comprises: user logins trade company's Quick Response Code of the described user APP of rear use service scan encryption and is sent in described business logic systems, the content of trade company's Quick Response Code of described encryption is resolved and shown to business logic systems, user, according to being whether that trade company's Quick Response Code with the amount of money carries out placing an order and paying the bill by preposition after confirmation, finally preserves and returns payment result to described user APP service.
5. a kind of financial receipt and payment method that Quick Response Code is carrier of take according to claim 4, it is characterized in that, the described main flow generating with trade company's Quick Response Code of the amount of money comprises: the keeper of trade company inputs trade name, commercial specification and amount information and uploads to described business logic systems after logining the APP of trade company service, business logic systems preserves and generates the UID code of unique identification trade company according to those information, the trade company's Quick Response Code with the amount of money that then generates and return encryption is served to the APP of trade company.
6. a kind of financial receipt and payment method that Quick Response Code is carrier of take according to claim 1, it is characterized in that: preferential Quick Response Code generates and pushes main flow and comprises: the keeper of trade company inputs favor information and uploads to described business logic systems after logining the APP of trade company service, business logic systems preserves and generates the preferential UID code of unique identification trade company according to those information, then generate preferential Quick Response Code and obtain He Gai trade company occurred transaction subscriber data carry out preferential Quick Response Code propelling movement.
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