CN108399540B - Code scanning payment method and device based on mobile terminal, terminal and storage medium - Google Patents
Code scanning payment method and device based on mobile terminal, terminal and storage medium Download PDFInfo
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- CN108399540B CN108399540B CN201810054767.0A CN201810054767A CN108399540B CN 108399540 B CN108399540 B CN 108399540B CN 201810054767 A CN201810054767 A CN 201810054767A CN 108399540 B CN108399540 B CN 108399540B
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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
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
Abstract
The invention is suitable for the technical field of computers, and provides a code scanning payment method, a device, a terminal and a storage medium based on a mobile terminal, wherein the method comprises the following steps: when a code scanning payment request of a mobile terminal user is received, a camera of the mobile terminal is started, a payment code in front of the camera is scanned through the camera, a payment page of a third-party payment program associated with the payment code is obtained from the scanned payment code and output, a payment password and/or payment amount of the third-party payment program input by the mobile terminal user is received, and when payment success information returned by the third-party payment program is received, payment success information is output to complete the code scanning payment, so that a uniform payment mode is provided for the user, payment is not required to be carried out by using a specific application program according to a single specific payment request, and the mobile payment process is simplified.
Description
Technical Field
The invention belongs to the technical field of computers, and particularly relates to a code scanning payment method and device based on a mobile terminal, a terminal and a storage medium.
Background
With the rapid development of the internet, more and more internet consumption platforms enter various off-line stores, such as payment treasure, WeChat, Mei Tuo network, hungry and the like, the various payment modes are convenient for the life of people, and more users use mobile phones to pay for off-line shopping. Although mobile phone payment modes are more and more diversified, in order to obtain the benefits of corresponding platform applications, a user has to download various application programs (APPs) to carry out corresponding payment, different APPs have different inlets, the situation that the user cannot find a payment inlet happens frequently, the user consumption or payment process has multiple operation steps and is very complicated, the process consumes the mobile phone traffic of the user and wastes the time of the user, and therefore the user experience of the APPs is reduced.
Disclosure of Invention
The invention aims to provide a code scanning payment method, a code scanning payment device, a code scanning payment terminal and a storage medium based on a mobile terminal, and aims to solve the problems that the existing mobile code scanning payment method is complicated in process and poor in user experience.
In one aspect, the invention provides a code scanning payment method based on a mobile terminal, which comprises the following steps:
when a code scanning payment request of a mobile terminal user is received, starting a camera of the mobile terminal, and scanning a payment code in front of the camera through the camera;
obtaining and outputting a payment page of a third party payment program associated with the payment code from the scanned payment code;
receiving a payment password and/or payment amount of the third-party payment program input by the mobile terminal user;
and when the payment success information returned by the third-party payment program is received, outputting the payment success information to finish the code scanning payment.
In another aspect, the present invention provides a code scanning payment device based on a mobile terminal, where the device includes:
the payment code scanning unit is used for starting a camera of the mobile terminal when receiving a code scanning payment request of a mobile terminal user and scanning a payment code in front of the camera through the camera;
the payment page output unit is used for acquiring and outputting a payment page of a third party payment program related to the payment code from the scanned payment code;
the payment information receiving unit is used for receiving the payment password and/or payment amount of the third party payment program input by the mobile terminal user; and
and the payment result output unit is used for outputting the payment success information when receiving the payment success information returned by the third-party payment program so as to finish the code scanning payment.
In another aspect, the present invention also provides a mobile terminal, including a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements the steps of the payment method as described above when executing the computer program.
In another aspect, the invention also provides a computer-readable storage medium, in which a computer program is stored, which computer program, when being executed by a processor, realizes the steps of the payment method as described above.
When a code scanning payment request of a mobile terminal user is received, a camera of the mobile terminal is started, a payment code in front of the camera is scanned through the camera, a payment page of a third-party payment program associated with the payment code is obtained from the scanned payment code and output, a payment password and/or payment amount of the third-party payment program input by the mobile terminal user are received, and when payment success information returned by the third-party payment program is received, payment success information is output to complete the code scanning payment, so that a uniform payment mode is provided for the user, payment is performed without using a specific application program for a single specific payment request, and the mobile payment process is simplified.
Drawings
Fig. 1 is a flowchart of an implementation of a mobile terminal-based code scanning payment method according to an embodiment of the present invention;
fig. 2 is a schematic structural diagram of a mobile terminal-based code scanning payment device according to a second embodiment of the present invention;
fig. 3 is a schematic structural diagram of a mobile terminal-based code scanning payment device according to a third embodiment of the present invention; and
fig. 4 is a schematic structural diagram of a mobile terminal according to a fourth embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the present invention more apparent, the present invention is described in further detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.
The following detailed description of specific implementations of the present invention is provided in conjunction with specific embodiments:
the first embodiment is as follows:
fig. 1 shows an implementation flow of a mobile terminal-based code scanning payment method according to an embodiment of the present invention, and for convenience of description, only the relevant parts related to the embodiment of the present invention are shown, which is detailed as follows:
in step S101, when a code scanning payment request of a mobile terminal user is received, a camera of the mobile terminal is turned on, and a payment code in front of the camera is scanned by the camera.
The embodiment of the invention is suitable for mobile terminals, such as smart phones, tablet computers and the like, and particularly suitable for a unified code scanning payment platform of the mobile terminals so as to utilize the mobile terminals to carry out unified mobile code scanning payment. As an example, a shortcut volume key may be preset as a shortcut payment key, when a user needs to perform code scanning payment, the volume key is clicked, a code scanning payment request is sent, and when the mobile terminal or the unified code scanning payment platform receives the code scanning payment request of the user, a camera of the mobile terminal is turned on, so that a sending process of the mobile request is simplified, and mobile payment time of the user is saved.
Preferably, the environment where the payment code in front of the camera is located is detected, the brightness, the reflection and/or the definition of the payment code in the environment are analyzed, and the shooting parameters of the camera of the mobile terminal are adjusted according to the analysis result. Specifically, for example, some payment sign indicating number or carrier surfaces may cover one deck reflective membrane, and evening or the place that light is not good, mobile terminal can detect the environment that payment sign indicating number the place of camera the place was located, then adjust the shooting parameter of mobile terminal's camera according to the environment of locating, do not need the user to adjust the shooting angle again and go to shoot to reduce artifical focusing time, make and make a video recording faster clearer.
In step S102, a payment page of the third party payment program associated with the payment code is obtained from the scanned payment codes and output.
In the embodiment of the invention, when the payment code of the third-party payment program is detected to be scanned completely, the payment channel mark (such as WeChat, Paibao, Jingdong finance, bank and the like) of the payment code of the third-party payment program is identified, and the corresponding payment page is displayed and output according to the identified payment channel mark.
Preferably, the payment page of the third-party payment program is preset, so that the third-party payment application program does not need to be installed on the mobile terminal, and the available memory of the mobile terminal is improved.
Preferably, the payment code is a two-dimensional code, a bar code or a character string, so that the payment codes of various payment channels are compatible, and the usability of the embodiment of the invention is improved.
Since the lawbreaker can implant trojan horse into the user mobile terminal by using the payment code to steal user information or perform economic fraud, and once the user scans, the user will be lost, therefore, it is further preferable that before the payment page of the third party payment program associated with the payment code is obtained, the scanned payment code information is analyzed, whether the analyzed payment code information is safe is checked, when the analyzed payment code information is not safe, the code scanning payment is terminated, and only when the analyzed payment code information is safe, the payment page of the third party payment program associated with the payment code is obtained from the scanned payment code, thereby improving the payment safety.
In step S103, a payment password and/or a payment amount of the third party payment program input by the mobile terminal user are received.
In the embodiment of the invention, the mobile terminal user inputs the payment password and/or payment amount of the third-party payment program on the payment page of the third-party payment program associated with the payment code, and submits the payment after the payment password passes the verification. The payment password can be a digital password, a gesture password or a fingerprint password set by the user according to different payment channels, so that the payment safety is further improved.
In step S104, when the payment success information returned by the third party payment program is received, the payment success information is output to complete the code scanning payment.
In the embodiment of the invention, when the code scanning payment platform detects the successful payment information, the successful payment information is acquired and output so as to complete the code scanning payment.
When a code scanning payment request of a mobile terminal user is received, a camera of the mobile terminal is started, a payment code in front of the camera is scanned through the camera, a payment page of a third-party payment program associated with the payment code is obtained from the scanned payment code and output, a payment password and/or payment amount of the third-party payment program input by the mobile terminal user are received, and when payment success information returned by the third-party payment program is received, payment success information is output to complete the code scanning payment, so that a uniform payment mode is provided for the user, payment is performed without using a specific application program for a single specific payment request, and the mobile payment process is simplified.
Example two:
fig. 2 shows a structure of a mobile terminal-based code scanning payment apparatus according to a second embodiment of the present invention, and for convenience of description, only the relevant parts of the second embodiment of the present invention are shown.
The code scanning payment device based on the mobile terminal provided by the embodiment of the invention comprises a payment code scanning unit 21, a payment page output unit 22, a payment information receiving unit 23 and a payment result output unit 24, wherein:
and the payment code scanning unit 21 is configured to, when receiving a code scanning payment request of a mobile terminal user, turn on a camera of the mobile terminal, and scan a payment code in front of the camera through the camera.
The embodiment of the invention is suitable for mobile terminals, such as smart phones, tablet computers and the like, and particularly suitable for a unified code scanning payment platform of the mobile terminals so as to utilize the mobile terminals to carry out unified mobile code scanning payment. As an example, a shortcut volume key may be preset as a shortcut payment key, when a user needs to perform code scanning payment, the volume key is clicked, a code scanning payment request is sent, and when the mobile terminal or the unified code scanning payment platform receives the code scanning payment request of the user, a camera of the mobile terminal is turned on, so that a sending process of the mobile request is simplified, and mobile payment time of the user is saved.
Preferably, the environment where the payment code in front of the camera is located is detected, the brightness, the reflection and/or the definition of the payment code in the environment are analyzed, and the shooting parameters of the camera of the mobile terminal are adjusted according to the analysis result. Specifically, for example, some payment sign indicating number or carrier surfaces may cover one deck reflective membrane, and evening or the place that light is not good, mobile terminal can detect the environment that payment sign indicating number the place of camera the place was located, then adjust the shooting parameter of mobile terminal's camera according to the environment of locating, do not need the user to adjust the shooting angle again and go to shoot to reduce artifical focusing time, make and make a video recording faster clearer.
And the payment page output unit 22 is used for acquiring and outputting the payment page of the third party payment program associated with the payment code from the scanned payment codes.
In the embodiment of the invention, when the payment code of the third-party payment program is detected to be scanned completely, the payment channel mark (such as WeChat, Paibao, Jingdong finance, bank and the like) of the payment code of the third-party payment program is identified, and the corresponding payment page is displayed and output according to the identified payment channel mark.
Preferably, the payment page of the third-party payment program is preset, so that the third-party payment application program does not need to be installed on the mobile terminal, and the available memory of the mobile terminal is improved.
Preferably, the payment code is a two-dimensional code, a bar code or a character string, so that the payment codes of various payment channels are compatible, and the usability of the embodiment of the invention is improved.
Since the lawbreaker can implant trojan horse into the user mobile terminal by using the payment code to steal user information or perform economic fraud, and once the user scans, the user will be lost, therefore, it is further preferable that before the payment page of the third party payment program associated with the payment code is obtained, the scanned payment code information is analyzed, whether the analyzed payment code information is safe is checked, when the analyzed payment code information is not safe, the code scanning payment is terminated, and only when the analyzed payment code information is safe, the payment page of the third party payment program associated with the payment code is obtained from the scanned payment code, thereby improving the payment safety.
And the payment information receiving unit 23 is used for receiving the payment password and/or the payment amount of the third party payment program input by the mobile terminal user.
In the embodiment of the invention, the mobile terminal user inputs the payment password and/or payment amount of the third-party payment program on the payment page of the third-party payment program associated with the payment code, and submits the payment after the payment password passes the verification. The payment password can be a digital password, a gesture password or a fingerprint password set by the user according to different payment channels, so that the payment safety is further improved.
And the payment result output unit 24 is used for outputting the payment success information when receiving the payment success information returned by the third-party payment program so as to complete the code scanning payment.
In the embodiment of the invention, when the code scanning payment platform detects the successful payment information, the successful payment information is acquired and output so as to complete the code scanning payment.
When a code scanning payment request of a mobile terminal user is received, a camera of the mobile terminal is started, a payment code in front of the camera is scanned through the camera, a payment page of a third-party payment program associated with the payment code is obtained from the scanned payment code and output, a payment password and/or payment amount of the third-party payment program input by the mobile terminal user are received, and when payment success information returned by the third-party payment program is received, payment success information is output to complete the code scanning payment, so that a uniform payment mode is provided for the user, payment is performed without using a specific application program for a single specific payment request, and the mobile payment process is simplified.
In the embodiment of the present invention, each unit of the code scanning payment apparatus based on the mobile terminal may be implemented by a corresponding hardware or software unit, and each unit may be an independent software or hardware unit, or may be integrated into a software or hardware unit, which is not limited herein.
Example three:
fig. 3 shows a structure of a mobile terminal-based code scanning payment apparatus according to a third embodiment of the present invention, and for convenience of description, only the parts related to the third embodiment of the present invention are shown.
The code scanning payment device based on the mobile terminal provided by the embodiment of the invention comprises a payment code scanning unit 31, a payment security verification unit 32, a payment termination unit 33, a payment page output unit 34, a payment information receiving unit 35 and a payment result output unit 36, wherein:
the payment code scanning unit 31 is configured to, when receiving a code scanning payment request of a mobile terminal user, start a camera of the mobile terminal, and scan a payment code in front of the camera through the camera;
a payment security check unit 32, configured to analyze the scanned payment code information, and check whether the analyzed payment code information is secure;
a payment termination unit 33, configured to terminate the code scanning payment when it is checked that the analyzed payment code information is not secure;
a payment page output unit 34, configured to, when it is checked that the analyzed payment code information is safe, obtain a payment page of a third-party payment program associated with the payment code from the scanned payment code and output the payment page;
a payment information receiving unit 35, configured to receive a payment password and/or a payment amount of the third party payment program input by the mobile terminal user; and
and the payment result output unit 36 is used for outputting the payment success information when receiving the payment success information returned by the third-party payment program so as to complete the code scanning payment.
Preferably, the payment code scanning unit 31 includes:
the shooting environment analysis unit 311 is configured to detect an environment where the payment code in front of the camera is located, and analyze the brightness, the reflection degree, and/or the definition of the payment code in the environment; and
and a shooting parameter adjusting unit 312, configured to adjust a shooting parameter of a camera of the mobile terminal according to the analysis result.
In the embodiment of the present invention, each unit of the code scanning payment apparatus based on the mobile terminal may be implemented by a corresponding hardware or software unit, and each unit may be an independent software or hardware unit, or may be integrated into a software or hardware unit, which is not limited herein. The detailed implementation of each unit can refer to the description of the first embodiment, and is not repeated herein.
Example four:
fig. 4 shows a structure of a mobile terminal according to a fourth embodiment of the present invention, and for convenience of description, only the parts related to the embodiment of the present invention are shown.
The mobile terminal 4 of an embodiment of the present invention comprises a processor 40, a memory 41 and a computer program 42 stored in the memory 41 and operable on the processor 40. The processor 40, when executing the computer program 42, implements the steps in the above-described mobile terminal-based code-scanning payment method embodiment, such as the steps S101 to S104 shown in fig. 1. Alternatively, the processor 40, when executing the computer program 42, implements the functions of the units in the above-described device embodiments, such as the functions of the units 21 to 24 shown in fig. 2 and the units 31 to 36 shown in fig. 3.
In the embodiment of the present invention, when the processor 40 executes the computer program 42, when a code scanning payment request of a mobile terminal user is received, the camera of the mobile terminal is turned on, the payment code in front of the camera is scanned by the camera, a payment page of a third party payment program associated with the payment code is obtained from the scanned payment code and output, a payment password and/or a payment amount of the third party payment program input by the mobile terminal user is received, and when payment success information returned by the third party payment program is received, payment success information is output to complete the code scanning payment, so that a uniform payment manner is provided to the user, a specific application program is not required to be used for payment for a single specific payment request, and a mobile payment process is simplified.
The mobile terminal of the embodiment of the invention can be a smart phone, a tablet computer and the like. The steps implemented when the processor 40 in the mobile terminal 4 executes the computer program 42 to implement the code scanning payment method based on the mobile terminal can refer to the description of the foregoing method embodiments, and are not described herein again.
Example five:
in an embodiment of the present invention, a computer-readable storage medium is provided, which stores a computer program, and the computer program, when executed by a processor, implements the steps in the above-mentioned mobile terminal-based code-scanning payment method embodiment, for example, steps S101 to S104 shown in fig. 1. Alternatively, the computer program, when executed by the processor, implements the functions of the units in the above-described mobile terminal-based code-scanning payment apparatus embodiment, such as the functions of the units 21 to 24 shown in fig. 2.
In the embodiment of the invention, when the computer program is executed by the processor, when a code scanning payment request of a mobile terminal user is received, the camera of the mobile terminal is started, the payment code in front of the camera is scanned by the camera, the payment page of the third party payment program associated with the payment code is obtained from the scanned payment code and output, the payment password and/or the payment amount of the third party payment program input by the mobile terminal user are received, and when the payment success information returned by the third party payment program is received, the payment success information is output to complete the code scanning payment, so that a uniform payment mode is provided for the user, the payment is performed by using a specific application program according to a single specific payment request, and the mobile payment process is simplified.
Claims (9)
1. A code scanning payment method based on a mobile terminal is characterized by comprising the following steps:
when a code scanning payment request of a mobile terminal user is received, starting a camera of the mobile terminal, and scanning a payment code in front of the camera through the camera;
obtaining and outputting a payment page of a third party payment program associated with the payment code from the scanned payment code;
receiving a payment password and/or payment amount of the third-party payment program input by the mobile terminal user;
when payment success information returned by the third party payment program is received, outputting the payment success information to finish the code scanning payment;
before the step of obtaining and outputting the payment page of the third party payment program associated with the payment code from the scanned payment code, the method further includes:
and presetting a payment page of the third party payment program, and storing the payment page into the mobile terminal.
2. The method of claim 1, wherein the step of turning on a camera of the mobile terminal, scanning a payment code in front of the camera by the camera, comprises:
detecting the environment where a payment code in front of the camera is located, and analyzing the brightness, the reflection and/or the definition of the payment code in the environment;
and adjusting the shooting parameters of the camera of the mobile terminal according to the analysis result.
3. The method of claim 1, wherein prior to the step of obtaining and outputting the payment page of the third party payment program associated with the payment code from the scanned payment code, the method further comprises:
analyzing the scanned payment code information, and checking whether the analyzed payment code information is safe or not;
and when the analyzed payment code information is not safe, stopping the code scanning payment.
4. The method of claim 1, wherein the payment code is a two-dimensional code, a bar code, or a string of characters.
5. A code scanning payment device based on a mobile terminal is characterized in that the device comprises:
the payment code scanning unit is used for starting a camera of the mobile terminal when receiving a code scanning payment request of a mobile terminal user and scanning a payment code in front of the camera through the camera;
the payment page output unit is used for presetting a payment page of a third-party payment program, storing the payment page into the mobile terminal, acquiring the payment page of the third-party payment program related to the payment code from the scanned payment code and outputting the payment page;
the payment information receiving unit is used for receiving the payment password and/or payment amount of the third party payment program input by the mobile terminal user; and
and the payment result output unit is used for outputting the payment success information when receiving the payment success information returned by the third-party payment program so as to finish the code scanning payment.
6. The apparatus of claim 5, wherein the pay code scanning unit comprises:
the shooting environment analysis unit is used for detecting the environment where the payment code in front of the camera is located and analyzing the brightness, the reflection degree and/or the definition of the payment code in the environment; and
and the shooting parameter adjusting unit is used for adjusting the shooting parameters of the camera of the mobile terminal according to the analysis result.
7. The apparatus of claim 5, wherein the apparatus further comprises:
the payment safety inspection unit is used for analyzing the scanned payment code information and inspecting whether the analyzed payment code information is safe or not; and
and the payment termination unit is used for terminating the code scanning payment when the analyzed payment code information is not safe.
8. A mobile terminal comprising a memory, a processor and a computer program stored in the memory and executable on the processor, characterized in that the processor implements the steps of the method according to any of claims 1 to 4 when executing the computer program.
9. A computer-readable storage medium, in which a computer program is stored which, when being executed by a processor, carries out the steps of the method according to any one of claims 1 to 4.
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| CN109214480B (en) * | 2018-08-31 | 2022-11-08 | 拉卡拉支付股份有限公司 | Information processing method, information processing device, electronic equipment and computer readable storage medium |
| CN110276608A (en) * | 2019-06-28 | 2019-09-24 | 中至数据集团股份有限公司 | Payment processing method, device, readable storage medium storing program for executing and computer equipment |
| CN111563738A (en) * | 2020-04-26 | 2020-08-21 | 特瓦特能源科技有限公司 | Payment method and system |
| CN112532884B (en) * | 2020-11-27 | 2022-10-14 | 维沃移动通信有限公司 | Identification method and device and electronic equipment |
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