CN106960338B - Mobile payment terminal, payment method and payment system based on two-dimension code payment - Google Patents
Mobile payment terminal, payment method and payment system based on two-dimension code payment Download PDFInfo
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- CN106960338B CN106960338B CN201611165817.XA CN201611165817A CN106960338B CN 106960338 B CN106960338 B CN 106960338B CN 201611165817 A CN201611165817 A CN 201611165817A CN 106960338 B CN106960338 B CN 106960338B
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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
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
- G06F21/70—Protecting specific internal or peripheral components, in which the protection of a component leads to protection of the entire computer
- G06F21/82—Protecting input, output or interconnection devices
- G06F21/83—Protecting input, output or interconnection devices input devices, e.g. keyboards, mice or controllers thereof
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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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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
Abstract
The invention provides a mobile payment terminal, a payment method and a payment system based on two-dimension code payment, and belongs to the technical field of mobile payment. The mobile payment terminal of the invention comprises a two-dimension code identification module which is configured to identify the two-dimension code displayed by operating the mobile payment terminal. The mobile payment terminal reduces the hardware requirement and relieves the constraint of objective factors such as code scanning environment, hardware scanning, scanning place and the like on the scanning payment service.
Description
Technical Field
The invention belongs to the technical field of mobile payment, and relates to a mobile payment terminal, a payment method and a payment system based on two-dimension code payment.
Background
With the popularization of the intelligent mobile terminal (such as a smart phone), the use of two-dimensional code payment is also more and more popularized; in addition, consumers increasingly enjoy and rely on convenience brought by two-dimension code payment, and a transaction payment habit of the two-dimension code payment is widely formed. Therefore, in the current environment, merchants also strive to meet the payment habits of consumer users, providing or installing hardware capable of supporting two-dimensional code payment.
In the two-dimension code payment process, payment is generally realized by scanning the two-dimension code, and two code scanning payment modes mainly exist at present. The first mode is a two-dimensional code main scanning payment mode, namely, the mobile terminal actively scans the two-dimensional code of a payee and identifies payment information contained in the two-dimensional code to pay; the second mode is a two-dimensional code scanned payment mode, namely, a two-dimensional code containing payment information generated on the mobile terminal is scanned by other equipment to pay.
The two-dimensional code main scanning payment mode mainly has the following defects:
(1) the displayed two-dimensional code information must be separated from the code scanning mobile terminal, so that the two-dimensional code can be scanned and identified by using a sensor such as a camera of the mobile terminal;
(2) hardware requirements for the mobile terminal of code scanning exist, for example, hardware equipment such as a camera is required;
(3) there are certain requirements for the environment of scanning the code, for example, light, the distance from the mobile terminal to the two-dimensional code, etc., and the process of focusing and identifying the two-dimensional code by the mobile terminal takes a long time.
The two-dimension code scanned payment mode mainly has the following defects:
(1) corresponding hardware is required to complete scanning and identification of the two-dimensional code displayed by the mobile terminal, for example, code scanning hardware devices such as a code scanning gun and a cash register device are included, so that the hardware requirement is high, and the investment of a merchant is large;
(2) the accepting place is fixed at the position of the code scanning hardware equipment, and the payment place cannot be transferred or remote payment cannot be carried out.
Disclosure of Invention
In order to solve at least one aspect of the above technical problem, the present invention provides the following technical solutions:
according to a first aspect of the present invention, there is provided a mobile payment terminal based on two-dimensional code payment, comprising:
the two-dimensional code generating and displaying module is used for generating and displaying a two-dimensional code at least containing user account information of the mobile payment terminal;
a two-dimensional code recognition module configured to recognize the two-dimensional code by operating the two-dimensional code displayed by the mobile payment terminal; and
and the payment information input module is triggered to work when the two-dimension code is identified and is used for inputting corresponding payment information and confirming payment.
The mobile payment terminal according to an embodiment of the present invention, wherein the payment information input module is configured to be able to input payment information including at least a merchant code and a payment amount, or including at least a merchant code, a payment amount, and a payment password.
According to the mobile payment terminal of an embodiment of the invention, the merchant code corresponds to the corresponding merchant account information in the payment server connected with the mobile payment terminal.
According to an embodiment of the invention, the two-dimension code recognition module is configured to recognize the displayed two-dimension code by long-pressing the two-dimension code.
According to a second aspect of the present invention, there is provided a mobile payment method based on two-dimensional code payment, comprising the steps of:
generating and displaying a two-dimensional code at least containing user account information of a mobile payment terminal on the mobile payment terminal;
identifying the two-dimensional code by operating the displayed two-dimensional code on the mobile payment terminal; and
and triggering and displaying a payment information input interface when the two-dimension code is identified, and inputting corresponding payment information from the payment information input interface and confirming payment.
The mobile payment method according to an embodiment of the present invention, wherein the step of inputting the corresponding payment information includes:
payment information including at least a merchant code and a payment amount, or at least a merchant code, a payment amount, and a payment password is input.
According to an embodiment of the mobile payment method of the invention, in the step of operating the displayed two-dimensional code, the displayed two-dimensional code is identified by long-pressing the two-dimensional code.
According to a third aspect of the present invention, there is provided a mobile payment terminal based on two-dimensional code payment, comprising:
the two-dimensional code generating and displaying module is used for generating and displaying a two-dimensional code at least containing merchant account information;
a two-dimensional code recognition module configured to recognize the two-dimensional code by operating the two-dimensional code displayed by the mobile payment terminal; and
and the payment information input module is triggered to work when the two-dimension code is identified and is used for inputting corresponding payment information and confirming payment.
According to an embodiment of the invention, the two-dimension code generating and displaying module comprises a merchant code input sub-module, and the two-dimension code generating and displaying module is configured to obtain corresponding merchant account information from a payment server connected with the mobile payment terminal based on an input merchant code and generate the two-dimension code based on at least the merchant account information.
According to the mobile payment terminal of an embodiment of the invention, the merchant code corresponds to the corresponding merchant account information in the payment server connected with the mobile payment terminal.
The mobile payment terminal according to an embodiment of the invention, wherein the payment information input module is configured to be capable of inputting payment information including at least a payment amount, or at least a payment amount and a payment password.
According to an embodiment of the invention, the two-dimension code recognition module is configured to recognize the displayed two-dimension code by long-pressing the two-dimension code.
According to a fourth aspect of the present invention, there is provided a mobile payment method based on two-dimensional code payment, comprising the steps of:
generating and displaying a two-dimensional code at least containing merchant account information on the mobile payment terminal;
identifying the two-dimensional code by operating the displayed two-dimensional code on the mobile payment terminal; and
and triggering and displaying a payment information input interface when the two-dimension code is identified, and inputting corresponding payment information from the payment information input interface and confirming payment.
According to the mobile payment method of an embodiment of the invention, the step of generating and displaying the two-dimensional code comprises the following steps:
inputting a merchant code; and
and acquiring corresponding merchant account information from a payment server connected with the mobile payment terminal based on the input merchant code, and generating the two-dimensional code at least based on the merchant account information.
The mobile payment method according to an embodiment of the present invention, wherein the step of inputting the corresponding payment information includes:
payment information including at least a payment amount, or at least a payment amount and a payment password is input.
According to an embodiment of the mobile payment method of the invention, in the step of operating the displayed two-dimensional code, the displayed two-dimensional code is identified by long-pressing the two-dimensional code.
According to a fifth aspect of the present invention, there is provided a payment system based on two-dimensional code payment, comprising:
the mobile payment terminal described above; and
the payment server is connected with the mobile payment terminal;
wherein the merchant code corresponds to the corresponding merchant account information in the payment server.
The mobile payment terminal and the payment method can well meet the two-dimension code scanning payment habit of a user, simultaneously have simple code scanning payment operation, reduce the scanning hardware requirement on the mobile payment terminal or a merchant, particularly greatly reduce the hardware threshold of the merchant for adding the two-dimension code scanning payment service, and are not limited to the two-dimension code scanning payment in a fixed place of the merchant. Therefore, the constraint of objective factors such as code scanning environment, scanning hardware, scanning place and the like on the scanning payment service is relieved, the stability of scanning payment is guaranteed, and the popularization of the two-dimensional code scanning payment service is facilitated.
Drawings
The above and other objects and advantages of the present invention will become more apparent from the following detailed description when taken in conjunction with the accompanying drawings, in which like or similar elements are designated by like reference numerals.
Fig. 1 is a payment system in accordance with an embodiment of the present invention.
Fig. 2 is a block configuration diagram of a mobile payment terminal according to a first embodiment of the present invention.
Fig. 3 is a flowchart of a mobile payment method according to a first embodiment of the present invention.
Fig. 4 is a block configuration diagram of a mobile payment terminal according to a second embodiment of the present invention.
Fig. 5 is a flowchart of a mobile payment method according to a second embodiment of the present invention.
Detailed Description
The following description is of some of the many possible embodiments of the invention and is intended to provide a basic understanding of the invention and is not intended to identify key or critical elements of the invention or to delineate the scope of the invention. It is easily understood that according to the technical solution of the present invention, other implementations that can be substituted with each other can be suggested by those skilled in the art without changing the spirit of the present invention. Therefore, the following detailed description and the accompanying drawings are merely illustrative of the technical aspects of the present invention, and should not be construed as all of the present invention or as limitations or limitations on the technical aspects of the present invention.
Herein, the completion of the payment process requires at least three elements, i.e. payer account information, payee account information and payment amount (i.e. payment amount), wherein "user account information" herein corresponds to payer account information and "merchant account information" herein corresponds to payee account information.
FIG. 1 illustrates a payment system in accordance with one embodiment of the present invention. In this embodiment, the payment system includes a plurality of mobile payment terminals 100, and a corresponding software module is installed on the mobile payment terminal 100 to operate the two-dimensional code 101 displayed thereon, so as to identify payment information in the two-dimensional code 101, for example, payment information such as user account information or merchant account information. The mobile payment terminal 100 may be implemented as a smart mobile terminal, such as a smart phone, a PAD, and the like, for example, and the specific configuration of the mobile payment terminal 100 will be described in detail through the embodiments shown in fig. 2 and fig. 4 below.
The payment system further includes a payment server 300, and each mobile payment terminal 100 is connected to the payment server 300 through a network 200 (e.g., a 4G network of a mobile phone). The payment server 300 may assign a respective merchant code for each merchant registered, the merchant code corresponding to the respective merchant account information, e.g. stored in the form of a database. When the payment server 300 obtains the merchant code input and sent from the mobile payment terminal 100, corresponding merchant account information may be correspondingly returned; or directly generate a two-dimensional code containing corresponding merchant account information in the payment server 300 and directly return the two-dimensional code. The payment server 300 may also have functions of payment data processing, secure encryption, and the like.
The payment server 300 of the mobile payment terminal 100 of the payment system may be connected to the corresponding clearing house 400 through the network 200 and upload the corresponding payment information to the clearing house 400, and finally complete the payment transaction. In yet another embodiment, the payment server 300 may also be a server implementation disposed in the clearinghouse 400.
The mobile payment terminal 100 used in the payment system can operate in a main scanning mode and a scanned mode; the two-dimensional code containing the user account information displayed by the mobile payment terminal 100 in the scanned mode is scanned and identified by itself, and the two-dimensional code containing the merchant account information displayed by the mobile payment terminal 100 in the main scanning mode is scanned and identified by itself. Accordingly, the "scanned" indicates that the own user account information of the user of the mobile payment terminal 100 is scanned and identified, and the "main scan" indicates that the mobile payment terminal 100 actively scans and identifies the payment account information of other people except the user of the mobile payment terminal 100.
Fig. 2 is a schematic block structure diagram of a mobile payment terminal according to a first embodiment of the present invention. In this embodiment, the mobile payment terminal 100 operates in a scanned mode, which mainly includes a two-dimensional code generation and display module 110, a two-dimensional code recognition module 120, and a payment information input module 130. The two-dimensional code generating and displaying module 110 is configured to generate and display the two-dimensional code 101 at least including the user account information of the mobile payment terminal 100, for example, the mobile payment terminal 100 may be installed with mobile payment applications such as a payment treasured or a WeChat, the two-dimensional code generating and displaying module 110 may generate and display the two-dimensional code 101 quickly by invoking the software applications, and in an embodiment, may also generate and display a pattern prompting the user to perform long-press operation at the same time, so as to guide the user to trigger the two-dimensional code identifying module 120 to operate. By configuring the two-dimension code generating and displaying module 110 in the mobile payment terminal 100, the two-dimension code payment habit currently formed by the user can be met, and a payment process can be performed based on the two-dimension code 101 in a subsequent process.
As shown in fig. 2, the two-dimensional code recognition module 120 is configured to be able to operate the displayed two-dimensional code to recognize the two-dimensional code 101, that is, the two-dimensional code recognition module 120 enables the mobile payment terminal 100 to recognize the two-dimensional code 101 displayed by itself through human operation, and therefore, the two-dimensional code recognition module 120 is implemented through a software program. The operation may be a long-press operation, and the two-dimensional code 101 displayed by the user can be recognized by the long-press operation. The two-dimensional code recognition module 120 is triggered to operate when the corresponding software program is pressed for a long time, so that the two-dimensional code 101 displayed in the recognition screen is scanned, and at least user account information is obtained. The operation is not limited to the long-stroke two-dimensional code operation of the above embodiment, and may be, for example, a two-dimensional code click operation.
The above operations do not depend on another hardware device (e.g., a scanning gun installed by a merchant) outside the mobile payment terminal 100 to realize the identification of the two-dimensional code 101, which is obviously different from the situation that the two-dimensional code disclosed in the background art must be scanned and paid by using other hardware devices in a scanned payment mode, therefore, the payment system does not need to set other scanning hardware devices and the like outside the payment terminal 100 for identifying the two-dimensional code, thereby reducing the hardware cost of the merchant, greatly reducing the threshold of the merchant for joining in the scanned payment service, and getting rid of the location limitation of scanned payment, and any user of the mobile payment terminal 100 can remotely perform mobile payment under the condition of knowing the merchant code.
As shown in fig. 2, the payment information input module 130 is triggered to operate when the two-dimensional code 101 is recognized, and the payment information input module 130 is used to input corresponding payment information and confirm payment. Specifically, in the scanned mode, after the two-dimensional code 101 is scanned and identified, the payment information input module 130 is triggered to operate corresponding to the program module, for example, jump to a payment information input interface, which may be a merchant interface having input fields for respectively inputting a merchant code, a payment amount, and other payment information, where the merchant code may be, but is not limited to, a 6-digit code composed of numbers and/or letters, and when each merchant registers in the payment system, the merchant is assigned a corresponding merchant code, which corresponds to merchant account information provided by the merchant registration one-to-one and is stored in the payment server 300 of the payment system. When the merchant applies the payment system, the merchant code may be placed in a conspicuous position, which provides convenience to the user of the mobile payment terminal 100.
In another embodiment, the payment information input module 130 may further input payment information such as a payment password, and the user may set that the payment password is not required to be input until the payment amount is greater than or equal to the predetermined payment amount; the input of the payment password may be realized by a key input, a fingerprint input, or the like. In other embodiments, the payment information input module 130 may also input other payment information, such as a coupon code, and the like.
After the payment information input in the payment information input module 130 is finished, the payment can be confirmed by clicking a "confirmation" button, so that information including user account information, merchant code, payment amount, etc. will be uploaded from the mobile payment terminal 100 to the payment server 300 or the clearing institution 400. The payment server 300 of the payment system can acquire the merchant account information based on the merchant code, and thus, three elements required for the payment process basically have, and the transaction process can be further performed to complete the payment process.
Fig. 3 is a flowchart illustrating a mobile payment method according to a first embodiment of the present invention. The mobile payment method of the embodiment is to implement mobile payment in a scanned mode, and is described in detail with reference to fig. 2 and 3.
First, in step S210, a two-dimensional code is generated and displayed. In this step, the mobile payment terminal 100 may invoke various payment applications installed thereon to generate a two-dimensional code 101 containing user account information of the user, wherein a specific form of the two-dimensional code 101 is not restrictive; further, the two-dimensional code 101 is displayed on the mobile payment terminal 100. The above step S210 is completed in the two-dimensional code generation and display module 110 shown in fig. 2.
Further, in step S220, the two-dimensional code is long-pressed and recognized. In this step, the two-dimensional code 101 displayed on the mobile payment terminal 100 is identified by long-pressing the two-dimensional code, specifically, when the two-dimensional code 101 is long-pressed, a two-dimensional code identification program is triggered and the two-dimensional code 101 displayed in the identification screen is scanned, and payment information such as user account information contained in the two-dimensional code 101 is identified. The above step S220 is completed in the two-dimensional code recognition module 120 shown in fig. 2.
Further, in step S230, jump to the payment information input interface. In this step, after the two-dimensional code 101 is recognized, the payment information input module 130 shown in fig. 2 is triggered to operate, so that the corresponding program module is triggered to jump to the payment information input interface.
Further, in step S240, payment information such as a merchant code, a payment amount, and a payment password is input. In this step, the user of the mobile payment terminal 100 may input payment information such as a merchant code, a payment amount, and a payment password on the interface, and of course, the payment password may be input through a means other than the interface, such as a fingerprint recognition means.
Further, in step S250, payment is confirmed. In this step, after the user of the mobile payment terminal 100 confirms that the input information is correct, the user can click a corresponding button to confirm the payment, and thus, the payment information at least including the payment elements such as the user account information, the merchant code, the payment amount, etc. is transmitted to the payment server 300 or the clearinghouse 400 of the payment system via the network 200. It will be appreciated that the mobile payment terminal 100 may perform various data processes such as encryption of payment information prior to uploading.
The above steps S230 to S250 are completed in the payment information input module 130 shown in fig. 2.
At this point, the payment process is completed in one scan mode. The payment operation can be completely finished in the mobile payment terminal 100, the operation is simple and convenient, a merchant does not need to perform any operation, hardware equipment such as a code scanning gun does not need to be arranged, and the cost for the merchant to start code scanning payment service is greatly reduced. In addition, the payment operation process is dependent on the payment completed on the merchant site, and if the merchant informs the user of information such as merchant codes and the like required to be input by the user through a network, the remote scanning payment can be completely realized.
Fig. 4 is a schematic block diagram of a mobile payment terminal according to a second embodiment of the present invention. In this embodiment, the mobile payment terminal 100 operates in a main scan mode, which mainly includes a two-dimensional code generation and display module 310, a two-dimensional code recognition module 320, and a payment information input module 330. The two-dimensional code generating and displaying module 310 is configured to generate and display a two-dimensional code 101 at least including merchant account information, where the two-dimensional code generating and displaying module 310 may be implemented by a corresponding software program, and specifically may include a merchant code input sub-module 311, when the two-dimensional code generating and displaying module 310 is triggered to operate, a corresponding input field may be jumped out on the mobile payment terminal 100 to input a merchant code to request to obtain merchant account information, where the merchant code may be specifically, but not limited to, a 6-digit code composed of numbers and/or letters, when each merchant registers in the payment system, the merchant is assigned a corresponding merchant code, and the merchant code corresponds to the merchant account information provided by the merchant registration one to one and is stored in the payment server 300 of the payment system; the merchant code is uploaded to the payment server 300 through the network 200, and the payment server 300 correspondingly returns the corresponding merchant account information, or a two-dimensional code containing the corresponding merchant account information is directly generated in the payment server 300, and the payment server 300 directly returns the two-dimensional code. The two-dimensional code generation and display module 310 generates the two-dimensional code 101 based on at least the merchant account information and displays it on the display screen of the mobile payment terminal 100. It should be noted that, when the merchant applies the payment system, the merchant code may be placed in a conspicuous position, which provides convenience for the user of the mobile payment terminal 100.
As shown in fig. 4, the two-dimensional code recognition module 320 is configured to be able to operate the displayed two-dimensional code to recognize the two-dimensional code 101, that is, the two-dimensional code recognition module 320 enables the mobile payment terminal 100 to recognize the two-dimensional code 101 displayed by itself through human operation, and therefore, the two-dimensional code recognition module 320 is implemented through a software program. The operation may be a long-press operation, and the two-dimensional code 101 displayed by the user can be recognized by the long-press operation. The two-dimensional code recognition module 320 is triggered to work when the corresponding software program is pressed for a long time, so that the two-dimensional code 101 displayed in the recognition screen is scanned, and at least merchant account information is obtained. The operation is not limited to the long-stroke two-dimensional code operation of the above embodiment, and may be, for example, a two-dimensional code click operation.
Similar to the mobile payment terminal in the scanned mode in the embodiment of fig. 2, the above operations do not depend on hardware devices to identify the two-dimensional code 101, which is obviously different from the two-dimensional code scanning and identifying that a camera of the mobile payment terminal must be used in the two-dimensional code main scanning payment mode disclosed in the background art, therefore, no hardware such as a camera needs to be arranged in the mobile payment terminal 100, and the limitation of a code scanning environment is swung, the scanning operation is simple, and any user of the mobile payment terminal 100 can perform mobile payment remotely under the condition that the user knows the merchant code.
As further shown in fig. 4, the payment information input module 330 is triggered to operate when the two-dimensional code 101 is recognized, and the payment information input module 330 is used to input corresponding payment information and confirm payment. Specifically, in the scanned mode, after the two-dimensional code 101 is scanned and recognized, the payment information input module 330 is triggered to operate corresponding to the program module, for example, jump to a payment information input interface, which may be a user interface having an input field for inputting payment information such as payment amount.
In another embodiment, the payment information input module 330 may further input payment information such as a payment password, and the user may set that the payment password is not required to be input until the payment amount is greater than or equal to the predetermined payment amount; the input of the payment password may be realized by a key input, a fingerprint input, or the like. In other embodiments, the payment information input module 330 may also input other payment information, such as a coupon code, and the like.
It should be noted that the user account information may be directly called by a software module in the mobile payment terminal 100, for example, when any one of the two-dimensional code generating and displaying module 310, the two-dimensional code identifying module 320, or the payment information inputting module 330 is operated, the user account information in the mobile payment terminal 100 may be directly called.
After the payment information input in the payment information input module 330 is finished, the payment can be confirmed by clicking a "confirmation" button, so that information including user account information, merchant account information, payment amount, and the like is uploaded from the mobile payment terminal 100 to the payment server 300 or the clearing institution 400. Three elements required by the payment process basically have the function of further processing the transaction to complete the payment process.
Fig. 5 is a flowchart illustrating a mobile payment method according to a second embodiment of the present invention. The mobile payment method of the embodiment is to implement mobile payment in a main scanning mode, and is described in detail with reference to fig. 4 and 5.
First, in step S410, a merchant code is input. In this step, the mobile payment terminal 100 may input the merchant code that it knows to a corresponding input field. This step may be accomplished in merchant code entry sub-module 311 shown in fig. 4.
Further, in step S420, a two-dimensional code is generated and displayed based on the merchant code. In this step, the input merchant code may be uploaded to the payment server 300 of the payment system, and the payment server 300 correspondingly returns the corresponding merchant account information, or a two-dimensional code including the corresponding merchant account information is directly generated in the payment server 300, and the payment server 300 directly returns the two-dimensional code; further, the two-dimensional code 101 containing the merchant account information may be generated based on the merchant account information and displayed on the display screen of the mobile payment terminal 100. This step may be accomplished in the two-dimensional code generation and display module 310 of the mobile payment terminal 100.
Further, in step S430, the two-dimensional code is long-pressed and recognized. In this step, the two-dimensional code 101 displayed on the mobile payment terminal 100 is identified by a long-press operation, specifically, when the two-dimensional code 101 is long-pressed, a two-dimensional code identification program is triggered and the two-dimensional code 101 displayed in the identification screen is scanned, and payment information such as merchant account information contained in the two-dimensional code 101 is identified. The above step S220 is completed in the two-dimensional code recognition module 320 shown in fig. 4.
Further, in step S440, jump to the payment information input interface. In this step, after the two-dimensional code 101 is recognized, the payment information input module 330 shown in fig. 4 is triggered to operate, so that the corresponding program module is triggered to jump to the payment information input interface.
Further, in step S450, payment information such as payment amount and payment password is input. In this step, the user of the mobile payment terminal 100 may input payment information such as a payment amount and a payment password on the interface, and of course, the payment password may be input through a means other than the interface, such as a fingerprint recognition means.
Further, in step S460, payment is confirmed. In this step, after the user of the mobile payment terminal 100 confirms that the input information is correct, the user can click a corresponding button to confirm the payment, and thus, the payment information at least including the payment elements such as the user account information, the merchant code, the payment amount, etc. is transmitted to the payment server 300 or the clearinghouse 400 of the payment system via the network 200. It will be appreciated that the mobile payment terminal 100 may perform various data processes such as encryption of payment information prior to uploading.
The above steps S440 to S460 are completed in the payment information input module 330 shown in fig. 4.
At this point, the payment process in the primary scanning mode is completed. The payment operation can be completely finished in the mobile payment terminal 100, the operation is simple and convenient, no operation is required for a merchant, the mobile payment terminal 100 is not required to scan the two-dimensional code of the merchant through hardware devices such as a camera and the like on the merchant site, the hardware requirement of the mobile payment terminal 100 is greatly reduced, the payment operation process depends on the payment finished on the merchant site, and if the merchant informs the user of information such as a merchant code and the like required to be input by the user through a network, the remote scanning payment can be completely realized.
It should be noted that, when the mobile payment terminal 100 has the main scanning mode function and the scanned mode function, the method processes shown in fig. 3 and fig. 5 above may be implemented on the same mobile payment terminal 100, and the mobile payment terminal 100 may determine whether it is currently in the main scanning mode or the scanned mode according to the operation of the user or the identified two-dimensional code information.
It should be noted that the elements disclosed and depicted herein (including the flow charts and block diagrams in the figures) are meant to represent logical boundaries between elements. However, in accordance with software or hardware engineering practices, the depicted elements and their functions may be executed on a machine by a computer-executable medium having a processor capable of executing program instructions stored thereon as a single-chip software structure, as stand-alone software modules, or as modules using external programs, code, services, etc., or any combination of these, and all such implementations may fall within the scope of the present disclosure.
The above examples mainly illustrate the mobile payment terminal, payment system and mobile payment method of the present invention. Although only a few embodiments of the present invention have been described, those skilled in the art will appreciate that the present invention may be embodied in many other forms without departing from the spirit or scope thereof. Accordingly, the present examples and embodiments are to be considered as illustrative and not restrictive, and various modifications and substitutions may be made therein without departing from the spirit and scope of the present invention as defined by the appended claims.
Claims (11)
1. The utility model provides a mobile payment terminal based on two-dimensional code payment which characterized in that includes:
the two-dimensional code generating and displaying module is used for generating and displaying a two-dimensional code at least containing user account information of the mobile payment terminal;
a two-dimension code identification module configured to identify the two-dimension code by operating the two-dimension code displayed by the mobile payment terminal, so as to obtain at least the user account information contained in the two-dimension code; and
a payment information input module which is triggered to operate when the two-dimensional code is recognized and is used for inputting corresponding payment information and confirming payment,
wherein the payment information input module is configured to be capable of inputting payment information including at least a merchant code and a payment amount, or including at least a merchant code, a payment amount, and a payment password,
and the merchant code corresponds to corresponding merchant account information in a payment server connected with the mobile payment terminal.
2. The mobile payment terminal of claim 1, wherein the two-dimensional code recognition module is configured to be able to recognize the displayed two-dimensional code by long-pressing a two-dimensional code operation.
3. A mobile payment method based on two-dimension code payment is characterized by comprising the following steps:
generating and displaying a two-dimensional code at least containing user account information of a mobile payment terminal on the mobile payment terminal;
identifying the two-dimensional code by operating the two-dimensional code displayed on the mobile payment terminal, so as to at least obtain the user account information contained in the two-dimensional code; and
triggering and displaying a payment information input interface when the two-dimensional code is recognized, inputting corresponding payment information from the payment information input interface and confirming payment,
wherein, in the step of inputting the corresponding payment information, the method comprises the following steps:
inputting payment information including at least a merchant code and a payment amount or including at least a merchant code, a payment amount and a payment password,
and the merchant code corresponds to corresponding merchant account information in a payment server connected with the mobile payment terminal.
4. A mobile payment method as set forth in claim 3, wherein in the step of operating the displayed two-dimensional code, the displayed two-dimensional code is recognized by long-pressing the two-dimensional code.
5. A mobile payment terminal based on two-dimension code payment comprises:
the two-dimensional code generating and displaying module is used for generating and displaying a two-dimensional code at least containing merchant account information;
a two-dimension code identification module configured to identify the two-dimension code by operating the two-dimension code displayed by the mobile payment terminal, so as to obtain at least the merchant account information contained in the two-dimension code; and
a payment information input module which is triggered to operate when the two-dimensional code is recognized and is used for inputting corresponding payment information and confirming payment,
the two-dimensional code generating and displaying module comprises a merchant code input sub-module, and is configured to acquire corresponding merchant account information from a payment server connected with the mobile payment terminal based on an input merchant code and generate the two-dimensional code at least based on the merchant account information, wherein the merchant code corresponds to the corresponding merchant account information in the payment server connected with the mobile payment terminal, and user account information of the mobile payment terminal is directly called on the mobile payment terminal.
6. The mobile payment terminal of claim 5, wherein the payment information input module is configured to be able to input payment information including at least a payment amount, or at least a payment amount and a payment password.
7. The mobile payment terminal of claim 5, wherein the two-dimensional code recognition module is configured to be able to recognize the displayed two-dimensional code by long-pressing a two-dimensional code operation.
8. A mobile payment method based on two-dimension code payment comprises the following steps:
generating and displaying a two-dimensional code at least containing merchant account information on the mobile payment terminal;
identifying the two-dimensional code by operating the two-dimensional code displayed on the mobile payment terminal, so as to at least obtain the merchant account information contained in the two-dimensional code; and
triggering and displaying a payment information input interface when the two-dimensional code is recognized, inputting corresponding payment information from the payment information input interface and confirming payment,
wherein the step of generating and displaying the two-dimensional code comprises:
inputting a merchant code; and
acquiring corresponding merchant account information from a payment server connected with the mobile payment terminal based on the input merchant code, and generating the two-dimensional code based on at least the merchant account information,
wherein the merchant code corresponds to corresponding merchant account information in a payment server connected with the mobile payment terminal,
and the mobile payment terminal directly calls the user account information of the mobile payment terminal.
9. A mobile payment method as claimed in claim 8, wherein in the step of inputting the corresponding payment information, comprising:
payment information including at least a payment amount, or at least a payment amount and a payment password is input.
10. The mobile payment method of claim 8, wherein in the step of operating the displayed two-dimensional code, the displayed two-dimensional code is recognized by long-pressing a two-dimensional code operation.
11. A payment system based on two-dimensional code payment is characterized by comprising:
a mobile payment terminal according to any one of claims 1 and 5; and
and the payment server is connected with the mobile payment terminal.
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| CN107563136A (en) * | 2017-08-31 | 2018-01-09 | 天津永兴泰科技有限公司 | Payment system and method for payment 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 |
| CN109035636A (en) * | 2018-06-04 | 2018-12-18 | 阿里巴巴集团控股有限公司 | A kind of Cash collecting equipment, a kind of cashing method and device |
| CN111091017A (en) * | 2018-10-24 | 2020-05-01 | 北京意锐新创科技有限公司 | Cash register optimization method and device of mobile payment device in high-frequency transaction state |
| CN109583872A (en) * | 2018-11-30 | 2019-04-05 | 阿里巴巴集团控股有限公司 | Method of payment and device |
| CN111325543A (en) * | 2020-02-21 | 2020-06-23 | 嘉兴壹传网络科技有限公司 | Mobile payment cashier system and cashier method thereof |
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