CN105205660A - Two-dimensional code technology-based card-free payment method - Google Patents
Two-dimensional code technology-based card-free payment method Download PDFInfo
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- CN105205660A CN105205660A CN201510543725.XA CN201510543725A CN105205660A CN 105205660 A CN105205660 A CN 105205660A CN 201510543725 A CN201510543725 A CN 201510543725A CN 105205660 A CN105205660 A CN 105205660A
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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
- G06Q20/3276—Short 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
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- Computer Networks & Wireless Communication (AREA)
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Abstract
The invention belongs to the mobile payment field and relates to a two-dimensional code technology-based card-free payment method. The method includes the following steps that: a client end puts forwards an application for binding graphic payment and a bank card together for a bank; the bank verifies the binding application; after binding the graphic payment and the bank card together, the bank generates a consumption voucher and transmits the consumption voucher to the client end; and the client end carries out consumption through the consumption vouchers. According to the two-dimensional code technology-based card-free payment method of the invention, the bank card and the graphic payment are bound together through the client end, and the bank card can be virtualized, and the graphic payment and the bank card can be integrated; when a user needs to use the bank card to carry out payment, the user can realize the payment through scanning a graph, so that a card-free payment function can be realized; graphic payment information applied by the user can be used repeatedly under the premise that the graphic payment information has not been canceled, and the user does not need to submit an application again.
Description
Technical field
The present invention relates to mobile payment field, more specifically, relate to a kind of planar bar code technology that relies on and realize the method paid without card.
Background technology
At present, people are in supermarket, the shopping of the place such as market, mainly still paid by brush bank card or cash, people are when doing shopping in point of sale for this reason, need to carry one's purse along or bank card, and once forget or lose, then be difficult at point-of-sale purchasing commodity, and along with the development of science and technology, pay the modes of payments becoming widespread use in daily life by mails, common E-Payment is that the line based on Third-party payment platform pays, and based on the electronic payment mode of Third-party payment platform, the amount of money that user pays cannot be arrived account in time, this is in supermarket, markets etc. use this kind of modes of payments very inconvenient to businessman, and once payment platform accounts information stolen by others and payment cipher, to threaten to user account.
And traditional Quick Response Code mobile payment is the generation one that the consumption application with spending limit combined with Quick Response Code has the 2 D code information of fixed consumption amount, as China's application for a patent for invention number: 201410059613.2, name is called a kind of patent of invention realizing the method that e-bank's card pays based on Quick Response Code, this patent is as carried out the consumption of different amount, user then needs submit applications again, overall payment program becomes loaded down with trivial details, this time that will increase people greatly and wait in line to check, the consumption satisfaction of extreme influence consumer.
Therefore, proposing a kind of support planar bar code technology solved the problem realizes without blocking the method paid real in necessary.
Summary of the invention
The present invention, for overcoming at least one defect (deficiency) described in above-mentioned prior art, provides a kind of planar bar code technology that relies on to realize the method paid without card.
For solving the problems of the technologies described above, technical scheme of the present invention is as follows: a kind of planar bar code technology that relies on realizes the method paid without card, comprises the following steps:
S1, client proposes the application of being carried out by figure Zhi Fuyu bank card binding to bank;
S2, the application of bank to binding is verified, is proved to be successful and enters S3, verifies that the client validation of unsuccessful then transmission message informing is unsuccessful;
S3, bank generates consumption certificate after bank card and figure being paid and binding, and sends to client;
S4, client is consumed by consumption certificate.
Further, described client is filed an application to bank by figure payment system, and figure payment system, according to the information of client bank card, proposes binding application to issuing bank.
Further, described bank, by the phone of client reserves or authorization information or password, verifies the application of client.
Further, after the success of described bank validation, information feed back to figure payment system, figure payment system by this communicating information to electronic certificate platform, generate a consumption certificate bound with user's bank card information by electronic certificate platform, and be issued in client.
Further, after described consumption certificate is produced, electronic certificate platform is sent in client by note or App application program.
Further, described consumption certificate goes out the bank card payment information hidden in consumption certificate by barcode scanning recognition of devices.
Further, described barcode scanning equipment is apple IOS system, Android system or Saipan system.
Further, described client is not to before figure Zhi Fuyu bank card unbind, and consumption certificate can constantly be reused.
Further, described mobile device is smart mobile phone or panel computer.
Further, described consumption certificate is Quick Response Code or consumption identifying code.
Compared with prior art, the beneficial effect of technical solution of the present invention is:
(1) support planar bar code technology disclosed by the invention realizes the method without card payment, by cell-phone customer terminal, bank card and figure payment information are bound, bank card is virtual, unite two into one, only need scan Quick Response Code during use can pay, realize the function paid without card.
(2) support planar bar code technology disclosed by the invention realizes the method that pays without card, and the graphical information of client application Quick Response Code, under the prerequisite be not canceled, recursively to use, without the need to again submitting the application generating Quick Response Code to.
(3) support planar bar code technology disclosed by the invention realizes the method without card payment, simple to operate, safe and reliable.
(4) support planar bar code technology disclosed by the invention realizes, without the method for card payment, effectively to shorten the time of user's payment for merchandise.
In figure, Fig. 1 is operational flowchart of the present invention.
Embodiment
Below in conjunction with drawings and Examples, technical scheme of the present invention is described further.
As shown in Figure 1, the invention discloses a kind of planar bar code technology that relies on and realize the method paid without card, a kind of planar bar code technology that relies on realizes the method paid without card, comprises the following steps:
S1, client proposes the application of being carried out by figure Zhi Fuyu bank card binding to bank;
S2, the application of bank to binding is verified, is proved to be successful and enters S3, verifies that the client validation of unsuccessful then transmission message informing is unsuccessful;
S3, bank generates consumption certificate after bank card and figure being paid and binding, and sends to client;
S4, client is consumed by consumption certificate.
In the present invention, client is filed an application to bank by figure payment system, and figure payment system, according to the information of client bank card, proposes binding application to issuing bank.
And in the present invention, bank, by the phone of client reserves or authorization information or password, verifies the application of client.
In the present invention, bank validation success after, information feed back to figure payment system, figure payment system by this communicating information to electronic certificate platform, generate a consumption certificate bound with user's bank card information by electronic certificate platform, and be issued in client.
Wherein, after consumption certificate is produced, electronic certificate platform is sent in client by note or App application program.
In the present invention, consumption certificate goes out the bank card payment information hidden in consumption certificate by barcode scanning recognition of devices.
In the present invention, barcode scanning equipment is apple IOS system, Android system or Saipan system.
Wherein, client is not to before figure Zhi Fuyu bank card unbind, and consumption certificate can constantly be reused, and mobile device can be smart mobile phone or panel computer, and consumption certificate can be Quick Response Code or consumption identifying code.
Embodiment one:
As shown in Figure 1, user proposes the application paid without card to figure payment system by mobile devices such as smart mobile phones, select Bank Account Number to carry out nothing card and pay binding, and the password paid without card is set, after figure payment system receives the request of user, the application of the figure payment information of this user and user's bank card information being bound is proposed to bank, after bank receives the request that figure payment system sends, the phone reserved by user or authorization information or password, the application of user is verified, after being proved to be successful, bank information feed back to figure payment system, figure payment system by this communicating information to electronic certificate platform, a Quick Response Code bound with user's bank card information is generated by electronic certificate platform, and be sent to by modes such as note or App application programs on the mobile devices such as user's smart mobile phone, at this moment, user completes the application work paid without card.
When user is in market or supermarket shopping checkout, open electronic certificate platform and be sent to Quick Response Code in smart mobile phone or panel computer, in the enterprising line scanning of Quick Response Code scanner of cashier, after having scanned, the amount of money of shopping is inputted by market or supermarket, after being confirmed by user, then input default payment cipher by user, complete payment.
The present invention is merged with two-dimensional code graphical information mutually by being deposited by user's bank account information, realize the virtual of bank card, in this case, user does not need band entity bank card to consume in any consumption place, only need, by cell-phone customer terminal, the two-dimensional code graphical information stored is supplied to the seller, the seller is undertaken paying by identification terminal scanning again, and then it is desired without card payment to realize the smooth heart whenever and wherever possible, the convenient and swift safety of whole flow process, and this two-dimensional code graphical information is under the prerequisite of not nullifying, can reuse, without the need to again submitting the application generating Quick Response Code to.
For those of ordinary skill in the field; can also make other changes in different forms on the basis of the above description; here exhaustive without the need to also giving all embodiments; all any amendments done within the spirit and principles in the present invention, equivalent to replace and improvement etc., within the protection domain that all should be included in the claims in the present invention.
Claims (10)
1. rely on planar bar code technology to realize the method paid without card, it is characterized in that, comprise the following steps: S1, client proposes the application of being carried out by figure Zhi Fuyu bank card binding to bank;
S2, the application of bank to binding is verified, is proved to be successful and enters S3, verifies that the client validation of unsuccessful then transmission message informing is unsuccessful;
S3, bank generates consumption certificate after bank card and figure being paid and binding, and sends to client;
S4, client is consumed by consumption certificate.
2. support planar bar code technology according to claim 1 realizes the method without card payment, it is characterized in that, described client is filed an application to bank by figure payment system, and figure payment system, according to the information of client bank card, proposes binding application to issuing bank.
3. support planar bar code technology according to claim 1 realizes the method that pays without card, it is characterized in that, described bank, by the phone of client reserves or authorization information or password, verifies the application of client.
4. support planar bar code technology according to claim 1 realizes the method without card payment, it is characterized in that, after described bank validation success, information feed back to figure payment system, figure payment system by this communicating information to electronic certificate platform, generate a consumption certificate bound with user's bank card information by electronic certificate platform, and be issued in client.
5. support planar bar code technology according to claim 4 realizes, without the method for card payment, it is characterized in that, after described consumption certificate is produced, electronic certificate platform is sent in client by note or App application program.
6. support planar bar code technology according to claim 1 realizes, without the method for card payment, it is characterized in that, described expense voucher goes out the bank card payment information hidden in consumption certificate by barcode scanning recognition of devices.
7. support planar bar code technology according to claim 6 realizes the method without card payment, and it is characterized in that, described barcode scanning equipment is apple IOS system, Android system or Saipan system.
8. support planar bar code technology according to claim 1 realizes the method without card payment, and it is characterized in that, described client is not to before figure Zhi Fuyu bank card unbind, and consumption certificate can constantly be reused.
9. support planar bar code technology according to claim 1 realizes the method without card payment, and it is characterized in that, described mobile device is smart mobile phone or panel computer.
10. support planar bar code technology according to claim 1 realizes, without the method for card payment, it is characterized in that, described consumption certificate is Quick Response Code or consumption identifying code.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201510543725.XA CN105205660A (en) | 2015-08-28 | 2015-08-28 | Two-dimensional code technology-based card-free payment method |
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| CN201510543725.XA CN105205660A (en) | 2015-08-28 | 2015-08-28 | Two-dimensional code technology-based card-free payment method |
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| WO2017206833A1 (en) * | 2016-06-01 | 2017-12-07 | 华为技术有限公司 | Payment method, payment apparatus, and payment server |
| CN107862524A (en) * | 2017-12-12 | 2018-03-30 | 江苏国光信息产业股份有限公司 | A kind of encryption device and its implementation for quickly generating and transmitting payment cipher |
| CN108764423A (en) * | 2018-05-28 | 2018-11-06 | 黄希敏 | A kind of bank card convenient for revenue and expenditure |
| CN109102381A (en) * | 2018-07-17 | 2018-12-28 | 中国银行股份有限公司 | Accounting processing method and device |
| CN110428251A (en) * | 2019-08-13 | 2019-11-08 | 中国联合网络通信集团有限公司 | A kind of method of mobile payment and system |
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| Publication number | Priority date | Publication date | Assignee | Title |
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Application publication date: 20151230 |