CN107609856A - A kind of Quick Response Code payment system and its method of payment - Google Patents
A kind of Quick Response Code payment system and its method of payment Download PDFInfo
- Publication number
- CN107609856A CN107609856A CN201710891113.9A CN201710891113A CN107609856A CN 107609856 A CN107609856 A CN 107609856A CN 201710891113 A CN201710891113 A CN 201710891113A CN 107609856 A CN107609856 A CN 107609856A
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- Prior art keywords
- quick response
- response code
- payment
- mobile phone
- platform
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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
- G06Q20/326—Payment applications installed on the mobile devices
-
- 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
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
Abstract
The invention discloses a kind of Quick Response Code payment system and its method of payment, system to include：Platform is cleared, and the mobile phone and consumption terminal equipment being connected with the clearance Platform communication, wherein, one or more programs are stored with described mobile phone, to perform the instruction of following steps：When user's click cell phone application, mobile phone clears platform generation by network request and pays Quick Response Code, after clearance platform receives request, automatically generates payment Quick Response Code and returns to mobile phone；Quick Response Code is paid described in consumption terminal device scan, it is synchronous to send special frequency channel sound wave to mobile phone after checking comes into force, after mobile phone receives the special frequency channel sound wave, immediately close off payment Quick Response Code.The Quick Response Code payment system and its method of payment of the present invention, after the completion of payment, mobile phone terminal Quick Response Code immediately closes off, and eliminates safe hidden trouble.Transaction Information is returned to by the way of special frequency channel sound wave, consumption is transparent, and the time of payment is short, the application scenarios especially suitable for rapid payments such as public transport, subways.
Description
Technical field
The present invention relates to the mobile payment technical field of transportation card, more particularly to a kind of Quick Response Code payment system and it is based on
The method of payment of Quick Response Code payment system.
Background technology
Existing Quick Response Code payment, the relatively broad Quick Response Code payment for using wechat, Alipay, market, supermarket, facility
Shop nearly all supports both Quick Response Codes to pay the bill, and user needs to install the APP of this kind of payment method, is to have to enter into during use
Payment Quick Response Code is shown in APP and to businessman, consumption operation is completed by scanning Quick Response Code.
Such as in intelligent bus, subway booking payment process, frequently with off line Quick Response Code consumer sale, Quick Response Code at present
Consumer sale largely uses on-line transaction, i.e. process of exchange user mobile phone APP and POS is required to access exchange settlement
For platform, it is necessary to transaction just completion after the completion of withholing, process of exchange is long, is not suitable for the quick consumption scene such as public transport, subway.
Off line Quick Response Code consumer sale, after referring to cell phone application generation Quick Response Code, brush Quick Response Code process of exchange, mobile phone and receipts
Silver-colored system need not access transaction platform, you can complete the transaction of brush code, exchange hour of swiping the card is short, and process of withholing is completed in transaction
Afterwards, POS or brush code POS upload transaction data and are given to exchange settlement platform, then are withholdd.The pattern, in brush code
After end, although prompting to merchandise successfully in POS or brush code POS, two are also rested in user mobile phone APP always
The code page is tieed up, customer transaction can not be prompted to complete, Consumer's Experience is poor, certain potential safety hazard be present.
The content of the invention
Object of the present invention is to provide a kind of Quick Response Code payment system and its method of payment, current two dimension is which solved
The technical problem of potential safety hazard positioned at mobile phone plane for a long time be present in code time of payment length, Quick Response Code.
To reach above-mentioned purpose, technical scheme proposed by the invention is：
A kind of Quick Response Code payment system of the present invention, it includes：Platform is cleared, and is connected with the clearance Platform communication
Mobile phone and consumption terminal equipment, wherein, one or more programs, one or more of programs are stored with described mobile phone
Include the instruction that can perform following steps：
When user clicks on mobile phone screen generation Quick Response Code, mobile phone clears platform generation by network request and pays Quick Response Code,
After clearance platform receives request, automatically generate payment Quick Response Code and return to mobile phone；Two are paid described in consumption terminal device scan
Code is tieed up, it is synchronous to send special frequency channel sound wave to mobile phone after checking comes into force, after mobile phone receives the special frequency channel sound wave, stand
Carve to close and pay Quick Response Code, to complete to pay.
A kind of method of payment based on Quick Response Code payment system as described above, it comprises the following steps：
The first step, user click on mobile phone terminal APP, APP and clear platform generation payment Quick Response Code by network request；
After second step, clearance platform receive request, automatically generate and pay Quick Response Code and return to mobile phone by Quick Response Code is paid
Hold APP；
3rd step, by pay Quick Response Code alignment consumption terminal equipment scanning window be scanned；
It is whether legal effectively that Quick Response Code is paid described in 4th step, consumption terminal device authentication；
5th step, when it is legal effectively be verified after, consumption terminal equipment sends the sound wave of special frequency channel to mobile phone；
6th step, cell phone application call microphone to obtain surrounding acoustic signals automatically, when the sound for receiving the special frequency channel
After ripple, payment Quick Response Code is immediately closed off.
Wherein, it is further comprising the steps of after the 6th step：
7th step, payment information data are uploaded to clearance platform；
After 8th step, clearance platform receive data, the account amount of money of active user is taken off.
Wherein, also include after the 8th described step：The step of clearance platform notifies user's particular transactions information.
Wherein, the sound wave of special frequency channel includes Transaction Information in the 5th described step.
Wherein, described Transaction Information includes：Trading order form, dealing money, user profile.
Wherein, above-mentioned consumption terminal equipment is the consumption terminals such as public transport, subway..
Wherein, the 5th step consumption terminal, to send sound wave and lifting sound wave effect, installation loudspeaker can be arranged on consumption terminal
Near Shua Ma areas, while in order to reduce because mobile phone is put and the inconsistent influence brought in mobile microphone position, consumption terminal
Shua Ma areas surrounding should install multiple loudspeaker.
Compared with prior art, Quick Response Code payment system and its method of payment of the invention, after the completion of Quick Response Code is paid, hand
Generator terminal Quick Response Code is closed automatically at once, protects the safety of Quick Response Code.In addition, transaction letter is returned to by the way of special frequency channel sound wave
Breath, can be directly viewable whole Transaction Informations at cell phone application end, so that consumer sale is more transparent, can look into, the time of payment
It is short, the application scenarios especially suitable for rapid payments such as public transport, subways.
Brief description of the drawings
Fig. 1 is the flow chart of the method for payment of the invention based on Quick Response Code payment system.
Embodiment
Below with reference to accompanying drawing, give the present invention further elaboration.
Please referring initially to accompanying drawing 1, in the present embodiment, this kind of Quick Response Code payment system, it includes：Clear platform, Yi Jiyu
The mobile phone and consumption terminal equipment of the clearance Platform communication connection, wherein, the APP of specific function is installed on mobile phone, it is described
Mobile phone on be stored with one or more programs, one or more of program bags are containing the instruction that can perform following steps：
When user clicks on mobile phone screen generation Quick Response Code, mobile phone clears platform generation by network request and pays Quick Response Code,
After clearance platform receives request, automatically generate payment Quick Response Code and return to mobile phone；Two are paid described in consumption terminal device scan
Code is tieed up, it is synchronous to send special frequency channel sound wave to mobile phone after checking comes into force, after mobile phone receives the special frequency channel sound wave, stand
Carve to close and pay Quick Response Code, to complete to pay.Further, after the Quick Response Code on closing hand phone screen, by Transaction Information number
According to clearance platform is uploaded to, after clearance platform receives trading information data, the account balance of corresponding user account is deducted, and finally
By Transaction Information notify to user mobile phone terminal APP, to realize transparent transaction.
, can be with mobile microphone in addition, consumption terminal equipment, when sending the sound wave of special frequency channel, sound is unsuitable excessive
Receive.It can accurately be received to improve the special frequency channel sound wave of consumption terminal equipment transmission, set in consumption terminal
Multiple loudspeaker are additionally provided with around standby to increase the scope of audio transmission, strengthen its antijamming capability.Certainly, the sound of special frequency channel
The identity information of corresponding user's Quick Response Code is carried in ripple, and if only if, and corresponding mobile phone terminal APP user can just receive the spy
Determine the acoustic signals of frequency range.
A kind of method of payment based on Quick Response Code payment system as described above, it comprises the following steps：
First step S1, user click on mobile phone terminal APP, APP and clear platform generation payment Quick Response Code by network request；
After second step S2, clearance platform receive request, automatically generate and pay Quick Response Code and return to hand by Quick Response Code is paid
Generator terminal APP；
3rd step S3, by pay Quick Response Code alignment consumption terminal equipment scanning window be scanned；
It is whether legal effectively that Quick Response Code is paid described in 4th step S4, consumption terminal device authentication；
5th step S5, when it is legal effectively be verified after, consumption terminal equipment sends the sound wave of special frequency channel to mobile phone；
6th step S6, cell phone application call microphone to obtain surrounding acoustic signals automatically, when receiving the special frequency channel
After sound wave, payment Quick Response Code is immediately closed off.
Wherein, it is further comprising the steps of after the 6th step S6：
7th step S7, payment information data are uploaded to clearance platform；
After 8th step S8, clearance platform receive data, the account amount of money of active user is taken off.
Wherein, also include after the 8th described step S8：The step of clearance platform notifies user's particular transactions information.
Wherein, the sound wave of special frequency channel includes Transaction Information in the 5th described step S5.Described Transaction Information includes：Hand over
Easy order, dealing money, user profile.
Wherein, above-mentioned consumption terminal equipment is public transport, subway automatic value-charging, ticketing all-in-one.
Wherein, the 5th step S5 consumption terminal equipment, to send sound wave and lifting sound wave effect, installation loudspeaker, which can be arranged on, to disappear
Take near terminal brush code area, at the same in order to reduce because mobile phone put with the inconsistent influence brought in mobile microphone position, disappear
Expense terminal brush code area surrounding should install multiple loudspeaker.
In the present embodiment, described consumption terminal equipment is subway automatic value-charging, ticketing all-in-one.In other embodiment
In, the Quick Response Code consuming method can be applied to the consumption of any other intelligent terminal.
Compared with prior art, Quick Response Code payment system of the invention and the method for payment based on Quick Response Code payment system,
The consumption concept of existing Quick Response Code is combined, the existing off line Quick Response Code means of payment is improved, existed by consumption terminal equipment
Scanning validation Quick Response Code sends the sound wave of special frequency channel to mobile phone at once by rear, and hereafter user mobile phone end APP is personal at once will
Quick Response Code exits, and eliminates the potential safety hazard that Quick Response Code is present in screen belt for a long time.Meanwhile this means of payment is time-consuming more
Short, payment is rapider, and particularly public transport, subway etc. need the application scenarios that fast brushing code is paid.
The present embodiment be intended to disclose it is a kind of can quickly carry out the method for mobile payment of Quick Response Code consumption, and be not limited only to
State the implementation provided in embodiment.
The above, only presently preferred embodiments of the present invention, are not intended to limit embodiment of the present invention, and this area is general
Lead to central scope and spirit of the technical staff according to the present invention, can very easily carry out corresponding flexible or modification, therefore originally
The protection domain of invention should be defined by the protection domain required by claims.
Claims (9)
1. a kind of Quick Response Code payment system, its spy are characterised by, including：Platform is cleared, and is connected with the clearance Platform communication
The mobile phone and consumption terminal equipment connect, wherein, one or more programs, one or more of journeys are stored with described mobile phone
Sequence includes the instruction that can perform following steps：
When user clicks on cell phone application generation Quick Response Code, mobile phone clears platform generation by network request and pays Quick Response Code, and clearance is flat
After platform receives request, automatically generate payment Quick Response Code and return to mobile phone；Quick Response Code is paid described in consumption terminal device scan, is tested
It is synchronous to send special frequency channel sound wave to mobile phone after card comes into force, after mobile phone receives the special frequency channel sound wave, immediately close off branch
Quick Response Code is paid, to complete to pay.
2. a kind of method of payment based on Quick Response Code payment system as claimed in claim 1, it is characterised in that including following step
Suddenly：
The first step, user click on mobile phone terminal APP, APP and clear platform generation payment Quick Response Code by network request；
After second step, clearance platform receive request, automatically generate and pay Quick Response Code and return to mobile phone terminal by Quick Response Code is paid
APP；
3rd step, by pay Quick Response Code alignment consumption terminal equipment scanning window be scanned；
It is whether legal effectively that Quick Response Code is paid described in 4th step, consumption terminal device authentication；
5th step, when it is legal effectively be verified after, consumption terminal equipment sends the sound wave of special frequency channel to mobile phone；
6th step, cell phone application call microphone to obtain surrounding acoustic signals automatically, when the sound wave for receiving the special frequency channel
Afterwards, payment Quick Response Code is immediately closed off.
3. method of payment as claimed in claim 2, it is characterised in that further comprising the steps of after the 6th step：
7th step, payment information data are uploaded to clearance platform；
After 8th step, clearance platform receive data, the account amount of money of active user is taken off.
4. method of payment as claimed in claim 3, it is characterised in that also include after the 8th described step：Clearance platform leads to
The step of knowing user's particular transactions information.
5. method of payment as claimed in claim 2, it is characterised in that the sound wave of special frequency channel includes handing in the 5th described step
Easy information.
6. method of payment as claimed in claim 5, it is characterised in that described Transaction Information includes：Trading order form, trade gold
Volume, user profile.
7. method of payment as claimed in claim 2, it is characterised in that consumption terminal equipment includes public transport, the consumption of subway end
End.
8. method of payment as claimed in claim 2, it is characterised in that loudspeaker are nearby installed by the Shua Ma areas of consumption terminal equipment,
For conduct acoustic waves and lifting communication effect.
9. method of payment as claimed in claim 8, it is characterised in that described loudspeaker are provided with multiple.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710891113.9A CN107609856B (en) | 2017-09-27 | 2017-09-27 | A kind of two dimensional code payment system and its method of payment |
| PCT/CN2018/088108 WO2019062165A1 (en) | 2017-09-27 | 2018-05-24 | Qr code payment system and payment method therefor |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710891113.9A CN107609856B (en) | 2017-09-27 | 2017-09-27 | A kind of two dimensional code payment system and its method of payment |
Publications (2)
| Publication Number | Publication Date |
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| CN107609856A true CN107609856A (en) | 2018-01-19 |
| CN107609856B CN107609856B (en) | 2019-03-15 |
Family
ID=61058347
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201710891113.9A Active CN107609856B (en) | 2017-09-27 | 2017-09-27 | A kind of two dimensional code payment system and its method of payment |
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| Country | Link |
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| CN (1) | CN107609856B (en) |
| WO (1) | WO2019062165A1 (en) |
Cited By (14)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN108681895A (en) * | 2018-07-26 | 2018-10-19 | 深圳市万通顺达科技股份有限公司 | A kind of method of payment and payment system based on dynamic two-dimension code |
| CN108765799A (en) * | 2018-07-26 | 2018-11-06 | 深圳市万通顺达科技股份有限公司 | A kind of Quick Response Code sound wave payment POS machine and its payment system, method of payment |
| CN108960814A (en) * | 2018-06-30 | 2018-12-07 | 企银易（北京）科技有限公司 | A kind of barcode scanning method of payment and merchant tenninal |
| CN109034788A (en) * | 2018-10-16 | 2018-12-18 | 深圳市万通顺达科技股份有限公司 | A kind of two dimensional code sound wave time-frequency division payment system and its method of payment |
| CN109064162A (en) * | 2018-07-26 | 2018-12-21 | 深圳市万通顺达科技股份有限公司 | A kind of two dimensional code sound wave payment mechanism and its payment system, method of payment |
| CN109087085A (en) * | 2018-07-26 | 2018-12-25 | 深圳市万通顺达科技股份有限公司 | A kind of the off line method of payment and payment system of public transport two dimensional code |
| CN109087087A (en) * | 2018-06-30 | 2018-12-25 | 企银易（北京）科技有限公司 | A kind of barcode scanning method of payment and system |
| CN109118205A (en) * | 2018-07-27 | 2019-01-01 | 阿里巴巴集团控股有限公司 | Data processing method, data processing equipment and terminal device |
| CN109146548A (en) * | 2018-07-26 | 2019-01-04 | 深圳市万通顺达科技股份有限公司 | A kind of advertisement placement method and advertisement delivery system based on the payment of two dimensional code off line |
| CN109345241A (en) * | 2018-09-14 | 2019-02-15 | 企银易（北京）科技有限公司 | A kind of barcode scanning method of payment and system |
| WO2019062165A1 (en) * | 2017-09-27 | 2019-04-04 | 深圳市万通顺达科技股份有限公司 | Qr code payment system and payment method therefor |
| CN109816376A (en) * | 2018-12-26 | 2019-05-28 | 天津环球磁卡股份有限公司 | A kind of mobile payment device and method based on two dimensional code and ultrasonic wave |
| CN110910134A (en) * | 2019-10-25 | 2020-03-24 | 网联清算有限公司 | Payment processing system and method |
| TWI752503B (en) * | 2019-09-02 | 2022-01-11 | 開曼群島商創新先進技術有限公司 | Information identification method and system |
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| CN113641570A (en) * | 2021-06-29 | 2021-11-12 | 银联商务股份有限公司 | Test method and terminal |
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| WO2019062165A1 (en) * | 2017-09-27 | 2019-04-04 | 深圳市万通顺达科技股份有限公司 | Qr code payment system and payment method therefor |
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| CN108765799A (en) * | 2018-07-26 | 2018-11-06 | 深圳市万通顺达科技股份有限公司 | A kind of Quick Response Code sound wave payment POS machine and its payment system, method of payment |
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| CN109146548A (en) * | 2018-07-26 | 2019-01-04 | 深圳市万通顺达科技股份有限公司 | A kind of advertisement placement method and advertisement delivery system based on the payment of two dimensional code off line |
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| CN109064162A (en) * | 2018-07-26 | 2018-12-21 | 深圳市万通顺达科技股份有限公司 | A kind of two dimensional code sound wave payment mechanism and its payment system, method of payment |
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| CN109034788A (en) * | 2018-10-16 | 2018-12-18 | 深圳市万通顺达科技股份有限公司 | A kind of two dimensional code sound wave time-frequency division payment system and its method of payment |
| CN109816376A (en) * | 2018-12-26 | 2019-05-28 | 天津环球磁卡股份有限公司 | A kind of mobile payment device and method based on two dimensional code and ultrasonic wave |
| TWI752503B (en) * | 2019-09-02 | 2022-01-11 | 開曼群島商創新先進技術有限公司 | Information identification method and system |
| CN110910134A (en) * | 2019-10-25 | 2020-03-24 | 网联清算有限公司 | Payment processing system and method |
| WO2021078245A1 (en) * | 2019-10-25 | 2021-04-29 | 网联清算有限公司 | Payment processing system and method |
Also Published As
| Publication number | Publication date |
|---|---|
| WO2019062165A1 (en) | 2019-04-04 |
| CN107609856B (en) | 2019-03-15 |
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