CN104200361A - Automatic two-dimension code generation based mobile banking payment system and payment method - Google Patents

Automatic two-dimension code generation based mobile banking payment system and payment method Download PDF

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Publication number
CN104200361A
CN104200361A CN201410452751.7A CN201410452751A CN104200361A CN 104200361 A CN104200361 A CN 104200361A CN 201410452751 A CN201410452751 A CN 201410452751A CN 104200361 A CN104200361 A CN 104200361A
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China
Prior art keywords
quick response
response code
payment
bank
server
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CN201410452751.7A
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CN104200361B (en
Inventor
储天舒
尹俊岭
吕倩
赵磊
董永健
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Duo Bao (beijing) Technology Co Ltd
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Duo Bao (beijing) Technology Co Ltd
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327Short range or proximity payments by means of M-devices
    • G06Q20/3276Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/02Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/16Payments settled via telecommunication systems

Abstract

The invention relates to an automatic two-dimension code generation based mobile banking payment system and payment method. The automatic two-dimension code generation based mobile banking payment system comprises a two-dimension code generation terminal, a mobile banking client, a third party payment server and a bank server; the two-dimension code generation terminal is connected to a man-machine interface of a computer, intercept and analyzes payment order data generated by the computer and meanwhile interacts with the bank server to establish a two-dimension code with payment information; the mobile banking client analyzes and verifies the two-dimension information after obtaining the two-dimension information and sends to the third party payment server; the third party payment server establishes a third party payment order after receiving the two-dimension information; the bank server receives the third party payment order and a payment request to achieve verification and payment of a consumption account. According to the automatic two-dimension code generation based mobile banking payment system, the two-dimension generation terminal captures receipt type information issued by consumer management software, the two-dimension code with the payment information is automatically generated through analysis data, the generation efficiency is high, the error rate is small, and the payment process is simplified.

Description

Automatically the Mobile banking's payment system and the method for payment that generate based on Quick Response Code
Technical field
The present invention relates to Quick Response Code payment system and method, relate in particular to a kind of Mobile banking's payment system and method for payment automatically generating based on Quick Response Code.
Background technology
Along with the development of smart mobile phone and more and more the movement of widespread use is interconnected, smart mobile phone also becomes the popular indispensable instrument of surfing the web.The development in pluralism of smart mobile phone function makes people gradually be accustomed to mobile phone shopping, mobile phone office, play mobile phone games and mobile-phone payment etc., and traditional modes of payments is in the past also with no paper the same, slowly to developing without cardization.
Along with the development of sensing technology promote mobile phone industry vigorously upwards, camera becomes the standard configuration of smart mobile phone mobile phone already, and mobile phone camera also develops into the present function such as automatic induction, image recognition from single camera function.The data carrier of the chequered with black and white graphic recording data symbol information that same Quick Response Code distributes in plane (two-dimensional directional) according to certain rules at certain specific geometric figure welcomes another change: scan Quick Response Code by mobile phone camera, obtain the data message in Quick Response Code, complete the transmission of data from space.
The patent application document that existing patent publication No. is CN103854170A discloses " a kind of payment system and method for payment based on Quick Response Code ", the incidence relation between described system made businessman's client and bank server; Bank server generates gathering card sequence identifier according to the Transaction Information of businessman's client, and sends to businessman's client; Businessman's client generates Quick Response Code according to Transaction Information, Business Information and the gathering card sequence identifier obtained from bank server; Cell-phone customer terminal obtains and resolves the Quick Response Code that businessman generates, and checking gathering information, sends authorized user message and pay to bank server application.Its Quick Response Code is to create by inputting manually consumption information, and pays by normal client end scanning, and this mode operating process trouble, efficiency is low and fault rate is higher; Therefore, obviously there is inconvenience and defect in existing Quick Response Code payment system, and is urgently further improved.
Summary of the invention
For solving above technical matters, the object of the invention is to provide a kind of Mobile banking's payment system and method for payment automatically generating based on Quick Response Code, this system directly generates Quick Response Code by obtaining receipt information, formation efficiency is high, fault rate is little, and the existing payment flow operation of comparing is more simplified; Entire system is safe, and standardization is strong, and audient group is large.
For achieving the above object, the invention provides following technical scheme:
Automatically the Mobile banking's payment system generating based on Quick Response Code, comprises that Quick Response Code generates terminal, bank's cell-phone customer terminal, tripartite's paying server and bank server, wherein,
Described Quick Response Code generation terminal is connected in the man-machine interface of computing machine, for intercepting the data of the pay invoice that also analytical Calculation machine generates, creates alternately the Quick Response Code with payment information with bank server simultaneously;
Described bank cell-phone customer terminal is used for obtaining after 2 D code information, resolve and verification, and send 2 D code information after verification to described tripartite's paying server or receive the order data of described tripartite's paying server, also for communicating with bank server;
Described tripartite's paying server, for receiving and process the data message of Quick Response Code, returns to bank's cell-phone customer terminal after establishment tripartite pay invoice;
Described bank server receives tripartite's pay invoice and the payment application that bank's cell-phone customer terminal sends, and completes verification and payment to consumption account.
Further, Quick Response Code of the present invention generates the payment receipt type information that terminal can the consumer management software of Direct Acquisition businessman be initiated, and it is installed between computing machine and printer, and Quick Response Code generates terminal and comprises:
Main control module, the print data passing out for intercepting man-machine interface, the Quick Response Code figure of the mutual generation of parsing relevant information and bank server with payment information, and Quick Response Code is combined in the pay invoice that will print;
Parallel port module, for converting print data and pay invoice information to parallel port signal, and sends to printer;
Wireless communication module, follow bank server communication interaction for the radio data network by operator, the network environment of wireless communication module and the software application of ordering is isolated, maximum use that may not remove to affect the software of ordering, can reduce network traffics and stabilizing network state in a large number.
Concrete, described main control module is used for the key word of the print data of identifying intercepting and pre-configured pattern identification, encode according to the information intercepting and the gathering mark obtained from bank server, generate Quick Response Code figure, and be combined in the pay invoice of printing.
Further, described key word comprises order title, order serial number, type of payment and payment; Described pattern identification comprises draw bank mark.
Further, Mobile banking's client is specifically: scan and resolve after Quick Response Code payment information, splicing bank identifier is to connecting string, transmit spliced string according to corresponding resolving information request splicing URL webpage or network server end by http protocol, transfer to described tripartite's paying server and create tripartite's pay invoice information corresponding to corresponding bank.
The present invention has also disclosed a kind of Mobile banking's method of payment automatically generating based on Quick Response Code, comprises the following steps:
Step 101: the incidence relation of setting up Quick Response Code generation terminal and bank server;
Step 102: the print data of order is obtained and resolved to Quick Response Code generation terminal, creates alternately the Quick Response Code with payment information with bank server simultaneously, generates the also pay invoice of type belt Quick Response Code;
Step 103: the Quick Response Code in pay invoice is obtained in cell-phone customer terminal scanning, by being sent to tripartite's paying server after Preliminary Analysis and verification 2 D code information;
Step 104: tripartite's paying server receives Quick Response Code data message, returns to bank client after establishment tripartite pay invoice;
Step 105: cell-phone customer terminal obtains after tripartite's pay invoice, to the instruction of bank server Sending Payments;
Step 106: bank server receives the instruction that cell-phone customer terminal sends, completes verification and the payment of consumption account.
Further, the incidence relation of setting up Quick Response Code maker and bank server described in above-mentioned steps 101 comprises, the gathering sequence identifier generation module that Quick Response Code is generated to end message and bank server is bound.
Further, Quick Response Code described in above-mentioned steps 102 generates the operation of terminal generation Quick Response Code, further comprise: Quick Response Code generates key word and the pattern identification of user preset in terminal recognition print data, and the key word and the pattern identification that mate with its presupposed information are encoded; Coded message is communicated by letter with bank server and is obtained gathering sequence identifier and again encode, and creates Quick Response Code figure with payment information.
Further, above-mentioned steps 103 cell-phone customer terminals will be sent to the operation of tripartite's paying server after 2 D code information, further comprise: scan and resolve after Quick Response Code payment information, splicing bank identifier is to connecting string, transmit spliced string according to corresponding resolving information request splicing URL webpage or network server end by http protocol, transfer to described tripartite's paying server and create tripartite's pay invoice information corresponding to corresponding bank.
Further, bank server described in step 106 completes after payment, and Sending Payments receipt is to cell-phone customer terminal and tripartite's paying server.
As can be seen from the above technical solutions, the invention provides a kind of automatic generation Quick Response Code the payment system based on each big bank cell-phone customer terminal, this system generates by Quick Response Code the receipt type information that the consumer management software of capture terminal businessman (for example: food and drink software) is initiated, automatically generate the Quick Response Code with payment information by analyzing data, consumer can use main flow bank cell-phone customer terminal interscan Quick Response Code function to complete once and pay without card, facilitate consumer, shorten businessman's chargeable time, and businessman's capital settlement has been continued to use the mode of conventional P OS, solve the businessman existing in prior art and manually generated the accuracy of Quick Response Code and the security of payment software and limitation.
Brief description of the drawings
Above-mentioned is only the general introduction of technical solution of the present invention, and in order to better understand technological means of the present invention, below in conjunction with accompanying drawing and embodiment, the present invention is described in further detail.
Fig. 1 is the structural representation of the Mobile banking's payment system automatically generating based on Quick Response Code of the embodiment of the present invention 1;
Fig. 2 is the structural representation that the Quick Response Code of the embodiment of the present invention 1 generates terminal;
Fig. 3 is the process flow diagram of the Mobile banking's method of payment automatically generating based on Quick Response Code of the embodiment of the present invention 1.
Embodiment
Below in conjunction with accompanying drawing, the preferred embodiments of the present invention are described in detail.
Figure 1 shows that the embodiment of the present invention, based on the Quick Response Code structural representation of Mobile banking's payment system of generation automatically, comprises that Quick Response Code generates terminal 10, bank's cell-phone customer terminal 20, tripartite's paying server 30 and bank server 40.
Wherein, Quick Response Code generates terminal 10 and is installed on computer terminal by man-machine interface, for intercepting the data of the pay invoice that also analytical Calculation machine generates, creates alternately the Quick Response Code with payment information with bank server 40 simultaneously; Bank's cell-phone customer terminal 20, for obtaining after 2 D code information, is resolved and verification, and sends 2 D code information after verification to tripartite's paying server 30 or receive the order data of tripartite's paying server 30, also for communicating with bank server 40; Tripartite's paying server 30, for receiving and process the data message of Quick Response Code, returns to bank's cell-phone customer terminal 20 after establishment tripartite pay invoice; Bank server 40 receives tripartite's pay invoice and the payment application that bank's cell-phone customer terminal sends, and completes verification and payment to consumption account.
Quick Response Code in the present embodiment generates concrete being installed between computing machine and printing device of terminal 10, and the consumer order of the compatible businessman of this terminal generates the print system of software, parses needed information for different printing types.Quick Response Code generation terminal 10 transfers to the pay invoice data of printing device for catching computing machine, it mainly comprises: main control module, parallel port module and wireless communication module, as shown in Figure 2.Wherein main control module is connected in computer terminal, and the gathering mark that main control module intercepted and resolved print data and obtains from bank server 40, generates Quick Response Code; Wireless communication module is communicated by letter with bank server 40; Parallel port module connects printing device, for the pay invoice with Quick Response Code generating is printed.
The detailed process that Quick Response Code generation terminal 10 generates Quick Response Code is: the data message matching with key word and the pattern identification of main control module in print data is identified and resolved to main control module, wherein key word comprises order title, order serial number, type of payment and payment, as key word is set for " reckoning ", in the time containing " reckoning " in payment receipt information, just process, key word is and for example set for " amount receivable ", can identifies amount of money numerical value below; Described pattern identification comprises draw bank mark.This terminal is sent to bank server 40 by wireless communication module by order relevant information and corresponding signing messages simultaneously, after the corresponding sequence information binding of bank server 40 gathering mark, gathering mark is sent it back to Quick Response Code and generates terminal 10; Main control module is encoded the key word obtaining and pattern identification data message, gathering identification information, generates Quick Response Code figure and is combined in pay invoice, by parallel port module output print.
Mobile banking's client 20 of the present embodiment utilizes mobile phone camera scanning to obtain Quick Response Code figure, resolve and its payment information carrying of verification, by verifying that rear automatic Mosaic bank identifier is to connecting string, transmit spliced string according to corresponding resolving information request splicing URL webpage or network server end by http protocol, transfer to described tripartite's paying server 30 and create tripartite's pay invoice information corresponding to corresponding bank.
Tripartite's paying server 30 is processed the Quick Response Code data message being scanned by Mobile banking's client 20, and the sequence information of being correlated with after establishment tripartite pay invoice returns to Mobile banking's client 20.After to be paid completing, payment result is notified to computer printout software, completed payment result and print, reaching after terms of settlement capital settlement to businessman.
Bank server 40 also includes checking and payment module, when consumer is in the time that Mobile banking's client 20 continues to pay, bank server 40 completes verification and the payment to payment application, and notifies Mobile banking's client 20 and tripartite's paying server 30 by payment result.
Fig. 3 is the process flow diagram of the method for payment of embodiments of the invention based on above-mentioned payment system, and the method comprises the following steps:
Step 101: the incidence relation of setting up Quick Response Code generation terminal 10 and bank server 40; Described incidence relation comprises that the gathering sequence identifier generation module that Quick Response Code is generated to end message and bank server 40 binds.
Step 102: the print data of order is obtained and resolved to Quick Response Code generation terminal 10, creates alternately the Quick Response Code with payment information with bank server 40 simultaneously, generates the also pay invoice of type belt Quick Response Code.
Quick Response Code generates terminal 10 and is mated key word and the pattern identification of user preset in print data and encoded by identification; Coded message is communicated by letter with bank server 40 and is obtained gathering sequence identifier and again encode, and creates Quick Response Code figure with payment information.
Step 103: the Quick Response Code in pay invoice is obtained in 10 scannings of bank's cell-phone customer terminal, by being sent to tripartite's paying server after Preliminary Analysis and verification 2 D code information.
Bank's cell-phone customer terminal 10 is resolved after Quick Response Code payment information in scanning, splicing bank identifier is to connecting string, transmit spliced string according to corresponding resolving information request splicing URL webpage or network server end by http protocol, transfer to described tripartite's paying server 30 and create tripartite's pay invoice information corresponding to corresponding bank.
Step 104: tripartite's paying server 30 receives Quick Response Code data message, returns to bank's cell-phone customer terminal 20 after establishment tripartite pay invoice.
Step 105: bank's cell-phone customer terminal 20 obtains after tripartite's pay invoice, to bank server 40 Sending Payments instructions.
Step 106: bank server 40 receives the instruction that cell-phone customer terminal sends, completes verification and the payment of consumption account.Bank server 40 completes after payment, and Sending Payments receipt is to bank's cell-phone customer terminal 20 and tripartite's paying server 30.
Quick Response Code of the present invention is by directly intercepting pay invoice Information generation, bank's cell-phone customer terminal 20 implementation process secure payment, improve and generate the accuracy of Quick Response Code and the security of payment software, and the self-service exploitation of Mobile banking's client 20 Dou Shige big banks of scanning Quick Response Code is docked with tripartite's payment technology, its means of payment are safe, standardization is strong, and audient group is large.
The above embodiment is only that the preferred embodiment of the present invention is described; not scope of the present invention is limited; design under the prerequisite of spirit not departing from the present invention; various distortion and improvement that those of ordinary skill in the art make technical scheme of the present invention, all should fall in the definite protection domain of claims of the present invention.

Claims (10)

1. the Mobile banking's payment system automatically generating based on Quick Response Code, is characterized in that, comprises that Quick Response Code generates terminal, bank's cell-phone customer terminal, tripartite's paying server and bank server, wherein,
Described Quick Response Code generation terminal is connected in the man-machine interface of computing machine, for intercepting the data of the pay invoice that also analytical Calculation machine generates, creates alternately the Quick Response Code with payment information with bank server simultaneously;
Described bank cell-phone customer terminal is used for obtaining after 2 D code information, resolve and verification, and send 2 D code information after verification to described tripartite's paying server or receive the order data of described tripartite's paying server, also for communicating with bank server;
Described tripartite's paying server, for receiving and process the data message of Quick Response Code, returns to bank's cell-phone customer terminal after establishment tripartite pay invoice;
Described bank server receives tripartite's pay invoice and the payment application that bank's cell-phone customer terminal sends, and completes verification and payment to consumption account.
2. the Mobile banking's payment system automatically generating based on Quick Response Code as claimed in claim 1, it is characterized in that, described Quick Response Code generates terminal and is installed between computing machine and printing device, the payment receipt type information of initiating for catching the consumer management software of businessman, described Quick Response Code generates terminal and comprises:
Main control module, the print data passing out for intercepting man-machine interface, the Quick Response Code figure of the mutual generation of parsing relevant information and bank server with payment information, and Quick Response Code is combined in the pay invoice that will print;
Parallel port module, for converting print data and pay invoice information to parallel port signal, and sends to printer;
Wireless communication module, follows bank server communication for the radio data network by operator.
3. the Mobile banking's payment system automatically generating based on Quick Response Code as claimed in claim 2, it is characterized in that, key word in the print data that described main control module intercepts specifically for identification and pre-configured pattern identification, encode according to the information intercepting and the gathering mark obtained from bank server, generate Quick Response Code figure, and be combined in the pay invoice of printing.
4. the Mobile banking's payment system automatically generating based on Quick Response Code as claimed in claim 3, is characterized in that, described key word comprises order title, order serial number, type of payment and payment; Described pattern identification comprises draw bank mark.
5. the Mobile banking's payment system automatically generating based on Quick Response Code as claimed in claim 1, it is characterized in that, described Mobile banking client is specifically: scan and resolve after Quick Response Code payment information, splicing bank identifier is to connecting string, transmit spliced string according to corresponding resolving information request splicing URL webpage or network server end by http protocol, transfer to described tripartite's paying server and create tripartite's pay invoice information corresponding to corresponding bank.
6. the Mobile banking's method of payment automatically generating based on Quick Response Code, is characterized in that, comprises
Step 101: the incidence relation of setting up Quick Response Code generation terminal and bank server;
Step 102: the print data of order is obtained and resolved to Quick Response Code generation terminal, creates alternately the Quick Response Code with payment information with bank server simultaneously, generates the also pay invoice of type belt Quick Response Code;
Step 103: the Quick Response Code in pay invoice is obtained in bank's cell-phone customer terminal scanning, by being sent to tripartite's paying server after Preliminary Analysis and verification 2 D code information;
Step 104: tripartite's paying server receives Quick Response Code data message, returns to bank client after establishment tripartite pay invoice;
Step 105: cell-phone customer terminal obtains after tripartite's pay invoice, to the instruction of bank server Sending Payments;
Step 106: bank server receives the instruction that cell-phone customer terminal sends, completes verification and the payment of consumption account.
7. the bank paying method automatically generating based on Quick Response Code as claimed in claim 6, it is characterized in that, the incidence relation of setting up Quick Response Code maker and bank server described in step 101 comprises, the gathering sequence identifier generation module that Quick Response Code is generated to end message and bank server is bound.
8. the bank paying method automatically generating based on Quick Response Code as claimed in claim 6, it is characterized in that, Quick Response Code described in step 102 generates the operation of terminal generation Quick Response Code, further comprise: key word and the pattern identification of user preset in the print data of Quick Response Code generation terminal recognition coupling, encode; Coded message is communicated by letter with bank server and is obtained gathering sequence identifier and again encode, and creates Quick Response Code figure with payment information.
9. the bank paying method automatically generating based on Quick Response Code as claimed in claim 6, it is characterized in that, step 103 bank cell-phone customer terminal will be sent to the operation of tripartite's paying server after 2 D code information, further comprise: scan and resolve after Quick Response Code payment information, splicing bank identifier is to connecting string, transmit spliced string according to corresponding resolving information request splicing URL webpage or network server end by http protocol, transfer to described tripartite's paying server and create tripartite's pay invoice information corresponding to corresponding bank.
10. the bank paying method automatically generating based on Quick Response Code as claimed in claim 6, is characterized in that, bank server described in step 106 completes after payment, and Sending Payments receipt is to cell-phone customer terminal and tripartite's paying server.
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