CN109191108B - Two-dimensional code aggregation payment system based on block chain and working method thereof - Google Patents
Two-dimensional code aggregation payment system based on block chain and working method thereof Download PDFInfo
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Abstract
The invention provides a two-dimension code aggregation payment system based on a block chain, which comprises a purchaser mobile terminal device with a two-dimension code identification function, a two-dimension code generation and display device, an aggregation payment gateway and a block chain link point server, wherein the aggregation payment gateway aggregates a plurality of third-party payment modes, commodity sales application software capable of running off line is pre-installed in the two-dimension code generation and display device, and a touch operation interface is arranged on the two-dimension code generation and display device. The invention realizes 'one-point access and whole-network service' aiming at different payment channels by using intelligent contracts of block chains, point-to-point communication and distributed account book technologies, merchants can register successfully on a plurality of third-party payment platforms by only providing data once without repeated application and approval, and transaction records are stored in an electronic evidence form.
Description
Technical Field
The invention belongs to the field of internet technology and electronic technology, and particularly relates to a two-dimensional code aggregation payment system based on a block chain and a working method thereof.
Background
Since the 90 s of the 20 th century, information technology has experienced three wave tides of computers, internet and internet of things, and the resistance of strip and block segmentation is met when the information technology enters three-network (new-generation internet, broadband telecommunication network and digital television network) fusion, but the new-generation internet is closely fused with the broadband telecommunication network, and then the wave tide of big data and cloud computing is followed. From 2015, the blockchain technique became a new wave.
As a technical system capable of realizing consistent storage, non-tampering and non-repudiation of data, a block chain establishes reliable trust between points in a network, so that interference of intermediaries is eliminated in a value transmission process, the efficiency of value interaction is improved, the cost is reduced, and the block chain becomes a foundation for constructing a value internet. The block chain can realize the win-win of information sharing, privacy protection, common decision and individual benefit protection. The block chain can optimize the business process, reduce the credit cost, improve the cooperative efficiency and fully embody the characteristics of 'co-quotient, sharing and co-construction' of the sharing economy.
With the rapid development of internet technology and electronic technology in recent years, paperless application of currency in the commodity transaction process is more and more widespread. The transaction currency is paperless through various payment modes such as credit card payment, WeChat payment and Paibao payment, and the method is particularly suitable for being applied to scenes such as trade markets, vegetable markets and the like with frequent transactions and small transaction amount.
Since the appearance of the two-dimensional code, the two-dimensional code is more and more widely applied in the payment field, and with the rapid development of IT technology and the rapid promotion of electronic commerce in China, the rapid popularization of mobile terminals such as smart phones and tablet computers is promoted, and a solid application foundation is provided for the popularization of two-dimensional code payment.
But also a lot of problems appear in the rapid popularization process of two-dimensional code payment:
(1) a plurality of third-party payments release respective two-dimensional code payment systems, and merchants need to post and lay a plurality of payment two-dimensional codes, so that confusion and low efficiency in the transaction process are formed;
(2) most of the payment two-dimensional codes are static two-dimensional codes, so that the payment two-dimensional codes are easy to maliciously replace and have low safety, and the payment party is easy to make mistakes and cause misunderstandings when inputting payment amount;
(3) the third-party payment channels are numerous, and merchants need to submit application data to different channels, wait for the approval of corresponding channels and then access to the network to realize two-dimensional code payment, so that the popularization of two-dimensional code payment is severely restricted;
(4) for a plurality of two-dimensional code payment channels, no unified data aggregation service exists.
The aggregated payment is relative to third party payment, and serves as an expansion of the third party payment platform service. The third-party payment is between a bank and a merchant, the aggregated payment is between the third-party payment and the merchant, various third-party payment platforms including a card swiping and chip card payment mode of a Unionpay system third-party payment company, a WeChat and Paibao two-dimensional code payment mode and other similar wing payment modes, a Baidu wallet, a Jingdong wallet and other payment modes are aggregated, and the aggregated payment is borne by a unified software and hardware platform.
The aggregated payment is only used for completing information transfer in a payment link and carrying merchant operation, and helps merchants to reduce access cost and improve operation efficiency on the basis of gathering mainstream payment modes including Unionpay, Payment treasures, WeChat and the like, and has the characteristics of neutrality, flexibility, convenience and the like.
The Chinese patent CN106355385A discloses a novel two-dimensional code payment method for an electronic scale, which comprises the following steps:
1) the electronic scale sends goods information to a two-dimensional code generating and displaying system, wherein the goods information comprises the payment to be paid;
2) the two-dimensional code generating and displaying system receives the goods information transmitted by the electronic scale and generates two-dimensional codes according to the received goods information, the request information for confirming payment and the connection information of the two-dimensional code generating and displaying system; the two-dimensional code generating and displaying system displays the two-dimensional code through a display device;
3) scanning the two-dimensional code by using first handheld electronic equipment; the first handheld electronic device is provided with a two-dimensional code resolving module; the resolving module resolves the connection information of the two-dimensional code generation and display system; the first handheld electronic device is provided with a first ID account, and the first ID account is used for paying a payment;
4) generating connection information with a display system by verifying the two-dimensional code; the two-dimensional code generation and display system determines whether the two-dimensional code generation and display system is in communication connection with the first handheld electronic device, if the two-dimensional code generation and display system passes the verification, the two-dimensional code generation and display system is connected, and if the two-dimensional code generation and display system does not pass the verification, the two-dimensional code generation and display system is not connected;
5) confirming payment of goods by using the first handheld electronic equipment, generating payment information by using the first ID account, the payment password and payment confirmation information, generating a data byte stream A by the first handheld electronic equipment through an encryption algorithm on the payment information and the goods information, and then transmitting the data byte stream A to the two-dimensional code generating and displaying system;
6) the two-dimensional code generating and displaying system generates the goods information into a data byte stream B through an encryption algorithm;
7) the second handheld electronic equipment is in communication connection with the two-dimensional code generating and displaying system; the second handheld electronic device is provided with a second ID account, and the second ID account is used for collecting money for goods; the second handheld electronic device generates a data byte stream C from the information of the second ID account through an encryption algorithm; the two-dimensional code generating and displaying system transmits the data byte stream A and the data byte stream B to the second handheld electronic device; the second handheld electronic device transmits the data byte stream A, the data byte stream B and the data byte stream C to an identity verification server;
8) the identity authentication server stores the information of the second ID account, and resolves the data byte stream A, the data byte stream B and the data byte stream C to respectively obtain data a, data B and data C; the identity authentication server verifies whether goods information contained in the data a and the data b are consistent or not, if yes, the next step is carried out, and if not, prompt information is transmitted to the second handheld electronic device; the identity authentication server authenticates the identity information transmitted by the second handheld electronic equipment through the data c, and if the identity information authentication fails, prompt information is transmitted to the second handheld electronic equipment; if the identity information passes the verification, entering the next step;
9) after the verification is passed, the identity verification server sends a deduction request to a third-party payment service system or a bank service system, the third-party payment service system or the bank service system deducts the money of the goods from the first ID account, and if the money deduction is successful, the money of the goods is paid into the second ID account and information of successful money deduction is returned; if the deduction is unsuccessful, returning information of unsuccessful deduction;
10) the third-party payment service system or the bank service system transmits information of whether the deduction is successful to the second handheld electronic device, and the second handheld electronic device transmits information of whether the deduction is successful to the two-dimensional code generating and displaying system; and the two-dimension code generating and displaying system displays the deduction result through a display screen and transmits the deduction result to the first handheld electronic equipment.
Chinese patent CN107578224A discloses a method and device for multi-platform aggregated payment, which includes: generating order payment information according to commodities selected by a user through a merchant terminal, generating a collection request according to the order payment information, and judging the type of a payment platform of the user terminal from the payment request; calling a corresponding payment platform and displaying a merchant order according to the type of the payment platform, wherein the merchant order comprises the payment amount of the user terminal; and receiving a callback notice of payment returned by the user side through the corresponding payment platform. The multi-platform aggregated payment method and device provided by the invention aggregate a plurality of payment platforms to carry out payment transaction, and avoid using a plurality of two-dimensional codes.
However, the above patents are all dedicated to solving the local problem of two-dimension code aggregated payment, and are all realized based on static two-dimension codes, and "one code is paid more" and "one code is paid one by one" cannot be realized. In the prior art, the content of realizing 'one-point access and whole network service' by using a technical means is not mentioned.
According to the requirements of people's banks in China, a merchant needs to submit a business license, a legal identity card, a payee bank account and a shop photo for registering two-dimensional code money collection, and the current situation is that a trust mechanism is lacked, after a third-party payment channel A collects merchant data and certifies and opens services, a third-party payment channel B does not receive the certification of the third-party payment channel A, and the same data of the merchant needs to be collected to repeat the certification process of the merchant account opening, so that the sharing and the corresponding application of the merchant are limited, the efficiency is low, and an information isolated island is formed. The buyer facing the merchant inevitably uses different payment application programs, which causes inconsistency and confusion of payment collection at the merchant end, and the channels cannot share data, thereby failing to provide uniform data aggregation service for the merchant and the buyer.
Disclosure of Invention
The invention aims to solve the technical problem of providing a two-dimension code aggregation payment system based on a block chain and a working method thereof, which realize two-dimension code payment settlement based on one-point access and whole network service of the block chain, realize dynamic two-dimension code aggregation payment on the basis, aggregate all code scanning payment, one-code multi-payment and one-code one-payment by one two-dimension code, and feed back a payment result to a two-dimension code generating and displaying device in real time. The dynamic two-dimensional code aggregation payment containing information such as payment amount is achieved, the payment amount does not need to be input by a payer, consumption experience is good, and meanwhile, a block chain technology is used for providing data services which cannot be tampered for buyers, merchants and other demanders.
In order to solve the technical problem, an embodiment of the present invention provides a two-dimensional code aggregation payment system based on a block chain, including a purchaser mobile terminal having a two-dimensional code identification function, a two-dimensional code generation and display device, an aggregation payment gateway, and a block chain node server, where the two-dimensional code generation and display device has a unique identification number, and the block chain node server stores merchant information and is provided with a third-party payment channel; a touch operation interface is arranged on the two-dimensional code generating and displaying device; the two-dimension code generating and displaying device is internally pre-provided with commodity sales application software capable of running off line, and generates a dynamic two-dimension code comprising a collection amount, a unique identification number of the two-dimension code generating and displaying device and an IP address of the payment gateway by combining the unique identification number of the two-dimension code generating and displaying device and the IP address of the aggregated payment gateway; the touch operation interface is used for selecting the sold commodities, inputting unit prices of the commodities, and displaying the amount of money received, the dynamic two-dimensional code and information on whether payment is successful or not; the purchaser mobile terminal is used for scanning the dynamic two-dimensional code and initiating a payment request with a unique identification number and collection amount information of the two-dimensional code generating and displaying device to the aggregation payment gateway; the aggregation payment gateway is used for authenticating the legality of the two-dimension code generating and displaying device, initiating a payment request with merchant information, purchaser mobile terminal program information and collection amount information to a third-party payment channel, monitoring a transaction result and feeding the transaction result back to the two-dimension code generating and displaying device; the third party payment channel is used for finishing the safe interactive payment between a third party payment account of a purchaser party of the purchaser mobile terminal and a merchant;
and the block chain node server is used for realizing third-party payment, data preprocessing, distributed data storage and data service.
The invention also provides a working method of the two-dimensional code aggregation payment system based on the block chain, which comprises the following steps:
(1) the merchant runs the pre-installed commodity sales application software on the two-dimensional code generation and display device, selects a commodity name through a touch operation interface of the two-dimensional code generation and display device, inputs a commodity price (which can be preset), then the commodity sales application software can automatically calculate and display a collection amount (which can be manually input), selects a settlement function, and generates a dynamic two-dimensional code comprising the collection amount, the unique identification number of the two-dimensional code generation and display device and the IP address of the aggregated payment gateway by combining the unique identification number of the two-dimensional code generation and display device and the IP address of the aggregated payment gateway;
(2) a purchaser scans the dynamic two-dimensional code through an application program in purchaser mobile terminal equipment with a two-dimensional code identification function and then initiates a payment request with a unique identification number, a commodity price and collection amount information of a two-dimensional code generation and display device to the aggregation payment gateway;
(3) the aggregation payment gateway firstly authenticates the legality of the two-dimension code generation and display device according to information sent by the two-dimension code generation and display device, sends the unique identification number of the two-dimension code generation and display device to the block chain node server after the authentication is passed so as to obtain the corresponding merchant information, and sends a payment request broadcast to a third party payment together with client program information used by a purchaser and the payment request according to a corresponding third party payment access format;
(4) the corresponding third party payment channel in the block chain node server automatically executes a corresponding program according to the channel selected by the intelligent contract, so that the interaction required by the payment of the third party and the payment of the buyer is directly completed, and finally, whether the result of the payment is successful or not is respectively fed back to the aggregated payment gateway and the buyer through the intelligent contract program;
(5) and the aggregation payment gateway receives the result of whether the payment is successful or not, and feeds the result back to the two-dimensional code generation and display device for corresponding prompt, so that the whole payment process is completed. After the payment process in the step (5) is completed, the two-dimensional code generation and display device uploads the transaction data to the aggregate payment gateway according to an IBM MQTT protocol, the aggregate payment gateway stores the corresponding transaction data to all nodes in a block chain link Point Server (Blockchain Point Server) in a Point-to-Point communication mode according to an agreed encryption rule and based on an interaction rule of proximity and consensus, so that distributed account book storage is realized, and the method further comprises file distribution (transmission software/firmware update), transmission equipment analysis report and the like.
In the step (3), before the aggregation payment gateway primarily authenticates the two-dimensional code generation and display device, the device registration, the device authentication and the key distribution of the two-dimensional code generation and display device need to be completed, a request is sent to a node of the block chain, and data reading and writing are realized by using an intelligent contract. Wherein the steps before the step (1) are as follows: merchant registration, two-dimensional code generation and display device initialization, wherein,
the merchant registers as a member, fills in related member information and stores the corresponding information to a block chain node server to realize one-point access and whole network service;
the initialization of the two-dimensional code generation and display device comprises the following steps: a. burning a unique identification number of the two-dimensional code generation and display device; b. registering and registering a unique identification number of the two-dimensional code generating and displaying device in the aggregation payment gateway; c. matching a corresponding merchant third-party payment account for the two-dimensional code generating and displaying device; d. the two-dimensional code generating and displaying device is connected to the block link point server through the Internet.
Further, the distributed account book of the block chain node server communicates with the data service client through an IBM HFC SDK and a REST API, so that data services facing different requirements are realized directly or through a social network platform mode.
The technical scheme of the invention has the following beneficial effects:
the dynamic two-dimensional code is generated offline by using the two-dimensional code generation and display device, so that 'one-code multi-payment' (one code covers all mobile terminal application programs of WeChat, Payment treasure, Unionpay, bank and the like) and 'one-code one-payment' (each dynamic two-dimensional code can only be scanned once by one buyer mobile terminal application program and is invalid), the dynamic two-dimensional code contains payment amount, and the amount input by a buyer or a merchant is not needed.
Drawings
FIG. 1 is a schematic structural view of the present invention;
FIG. 2 is an architectural diagram of the present invention;
FIG. 3 is a data flow diagram of the present invention;
FIG. 4 is a functional diagram of a merchandise sales application according to the present invention;
FIG. 5 is a flowchart of the operation of the aggregated payment gateway of the present invention;
fig. 6 is a schematic diagram of the design of a block link point server and the implementation of an intelligent contract according to the present invention.
Detailed Description
In order to make the technical problems, technical solutions and advantages of the present invention more apparent, the following detailed description is given with reference to the accompanying drawings and specific embodiments.
A dynamic two-dimensional code aggregation payment system based on a Block chain is shown in fig. 1, and comprises a two-dimensional code generating and displaying device, an aggregation payment gateway (Pay AP) and a Block chain link point Server (Block chain Server), wherein the two-dimensional code generating and displaying device realizes commodity selection (optional) or payment amount input of commodity sales, and generates a dynamic two-dimensional code containing the information by combining an unique identification number (eID) of the two-dimensional code generating and displaying device and an IP address or a domain name of the aggregation payment gateway (Pay AP), a purchaser scans the dynamic two-dimensional code through a terminal device with a two-dimensional code identification function and then initiates a payment request with the information of the unique identification number (eID), the commodity name (optional) and the payment amount of the two-dimensional code generating and displaying device to the aggregation payment gateway (Pay AP), and the aggregation payment gateway (Pay AP) firstly authenticates the legality of the two-dimensional code generating and displaying device according to the information sent by the two-dimensional code generating and displaying device, after passing the authentication, the unique identification number (eID) of the two-dimensional code generation and display device is sent to a block chain link point Server (Block chain Server) for retrieval and query to obtain the corresponding merchant information, the client program information used by a purchaser and a payment request containing a commodity name (optional) and a collection amount are sent to a third party for payment according to a corresponding third party payment access format to initiate a payment request, then the third party payment and the purchaser directly complete the interaction required by the payment, and finally, the aggregation payment gateway receives the result of whether the payment is successful or not and feeds the result back to the two-dimensional code generation and display device for corresponding prompt to complete the whole payment process. Meanwhile, corresponding data are stored in a Blockchain Server (Blockchain Server), and data services facing different requirements can be realized through a client application interface API based on the Blockchain point Server.
The architecture diagram of the two-dimensional code aggregation payment system based on the block chain is shown in fig. 2, the corresponding data flow diagram is shown in fig. 2, and before the two-dimensional code payment is completed, a merchant registration process, a two-dimensional code generation process and a two-dimensional code display device initialization process need to be performed.
The two-dimension code generating and displaying device is pre-installed with commodity sales application software capable of running off line, a functional diagram of the commodity sales application software is shown in fig. 4, the two-dimension code generating and displaying device runs commodity sales application software (POS) by using an Android terminal, and can generate dynamic two-dimension codes for each order form off line. The dynamic two-dimensional code may contain the following information: aggregating gateway address, serial number EID, sequence number, transaction Amount Amount, merchant order number orderId, POS terminal number, order content information and signature information to realize the operation of pricing and two-dimensional code cash registering, and in addition, the commodity sales application software (POS) also provides the functions of data storage, management, analysis and the like.
The merchant runs POS software, the sold commodities can be selected through a touch operation interface, the commodity sale amount is calculated through the unit price preset by the POS software or the unit price set on the spot (accumulative operation), and after the merchant selects the settlement function, the two-dimensional code generating and displaying device automatically generates a dynamic two-dimensional code containing the commodity name, the settlement amount, the unique identification number (eID) of the two-dimensional code generating and displaying device, the IP address or the domain name of a payment gateway (Pay AP) and other information.
After scanning the two-dimensional code through an application program in the terminal equipment with the two-dimensional code identification function, a purchaser initiates a payment request with information such as an unique identification number (eID), a commodity name (optional) and a collection amount of a two-dimensional code generation and display device to a payment aggregation gateway (Pay AP).
The aggregate payment gateway (Pay AP) can complete equipment registration, equipment authentication and key distribution of the two-dimensional code generation and display device, authenticated equipment or application can send request broadcast to the block chain link point server, and data read-write of the block chain server is triggered by an intelligent contract. When a payment request of a purchaser is received, firstly, the legality of the two-dimensional code generation and display device is authenticated according to information sent by the request, after the authentication is passed, the unique identification number (eID) of the two-dimensional code generation and display device, client program information used by the purchaser, a payment request containing a commodity name (optional) and a collection amount are broadcasted to a third-party payment channel in the block chain node server according to a format of corresponding third-party payment access, and the third-party payment channel conforming to the request can respond to the request.
Fig. 5 is a detailed description of a process of the aggregated payment gateway, where the aggregated payment gateway is mainly used to authenticate a two-dimensional code generation and display device, initiate a payment request to a third party payment, monitor a transaction result, and transmit transaction data, and the detailed steps are as follows:
first, authentication two-dimensional code generation and display device
And the aggregate payment gateway (Pay AP) authenticates the legality of the two-dimensional code generation and display device according to the information contained in the dynamic two-dimensional code of the two-dimensional code generation and display device, and acquires the third-party payment information of the corresponding commercial tenant from the block chain link Point Server (Block Point Server) according to the unique identification number (EID) of the two-dimensional code generation and display device after the authentication is passed.
Initiating a payment request to a third party payment
And the aggregate payment gateway (Pay AP) initiates a payment request containing the commodity name (optional), the payment time and the collection amount to the third-party payment platform according to the access format required by the payment platform corresponding to the third-party payment software used by the payer.
Third, monitoring the result of the transaction
The aggregation payment gateway sends a query request to a third-party payment platform through a polling mechanism, queries an order transaction result and transmits the order transaction result to the two-dimensional code generating and displaying device in a wireless mode.
Transmitting transaction data
The aggregate payment gateway transmits the basic transaction data of each order to a blockchain node server (third party payment) through XML messages.
And then, automatically executing a corresponding program by a corresponding third-party payment channel in a block chain node Point Server (Block Point Server) according to a channel selected by an intelligent contract to realize interaction required by payment directly with a buyer, finally, feeding back a result of success or failure of payment to a payment convergence gateway (Pay AP) and the buyer respectively through the intelligent contract program, and feeding back the result to a two-dimensional code generating and displaying device by the payment convergence gateway (Pay AP) to carry out corresponding prompt so as to complete the whole payment process.
As shown in fig. 6, a block chain server with four nodes is established based on the IBM blue mix platform, and the block chain server corresponds to different third party payment channels, and different channels are selected by using a channel technology in a REST API interface provided by the IBM blue mix platform and developed for a block chain to perform corresponding read/write operations with different node servers.
For example, the intelligent contract of the channel 1 is selected, and when the transaction amount of the merchant exceeds a certain set threshold value, the transaction commission charge of the merchant is automatically reduced to a more favorable rate.
For another example, the intelligent contract of the channel 2 is selected, and when the amount of single transaction of the merchant exceeds a certain set threshold value, the capped transaction commission fee is automatically adopted.
For another example, the intelligent contract of the channel 3 is selected, the transaction behaviors of various merchants are analyzed, the merchants are graded, and targeted financial services are provided.
After the whole payment process is completed, the two-dimensional code generation and display device uploads transaction data to a payment convergence gateway (Pay AP) according to an IBM MQTT protocol, the payment convergence gateway (Pay AP) stores the corresponding transaction data to all nodes in a block chain link Point Server (Blockchain Point Server) in a Point-to-Point communication mode in an electronic evidence form according to an agreed encryption rule and based on an interaction rule of proximity (physical, social or time) and consensus so as to realize distributed account book storage, and the method further comprises file distribution (spreading software/firmware update), transmission of equipment analysis reports and the like.
The data service client communicates with the distributed account book of the block link point server through an IBM HFC SDK and a REST API, so that data services facing different requirements are realized directly or through a social network platform mode. The social network platform can be a WeChat public number or a Paobao Living number.
The invention has the following advantages:
1. the invention realizes a dynamic two-dimensional code aggregation payment method and a system based on a block chain, wherein a block chain link point server comprises a plurality of third party payment channels, and is communicated with a purchaser mobile terminal through an aggregation payment gateway, so that 'one-code multi-payment' (one code covers all mobile terminal application programs such as WeChat, Paibao, UnionPay, Bank and the like) and 'one-code one-payment' (each dynamic two-dimensional code can be scanned once by one mobile terminal application program and is invalid), the dynamic two-dimensional code contains payment amount, the amount input by a customer is not needed, the consumption experience is good, the service quality of a merchant is improved, more customer sources can be attracted, the payment cost is reduced, and the sales amount is improved.
2. The two-dimensional code generating and displaying device can be matched with an electronic scale for use, and has the functions of weighing commodities, inputting commodity unit prices (the commodity unit prices can be preset), displaying the amount of collected money, displaying information on whether payment is successful or not and the like.
3. The invention realizes 'one-point access and whole-network service' aiming at different payment channels by using intelligent contracts of block chains, point-to-point communication and distributed account book technologies, merchants can register successfully on a plurality of third-party payment platforms by only providing data once without repeated application and approval, and transaction records are stored in an electronic evidence form.
4. The method realizes cross-application and cross-platform data collection by using an advanced software design method, and provides more comprehensive service for merchants and purchasers.
While the foregoing is directed to the preferred embodiment of the present invention, it will be understood by those skilled in the art that various changes and modifications may be made without departing from the spirit and scope of the invention as defined in the appended claims.
Claims (6)
1. A two-dimension code aggregation payment system based on a block chain is characterized by comprising a purchaser mobile terminal with a two-dimension code identification function, a two-dimension code generation and display device, an aggregation payment gateway and a block chain node server, wherein the two-dimension code generation and display device has a unique identification number, and merchant information and a third party payment channel are stored in the block chain node server; a touch operation interface is arranged on the two-dimensional code generating and displaying device; wherein,
the two-dimension code generating and displaying device is internally pre-provided with commodity sales application software capable of running off line, and generates a dynamic two-dimension code comprising a collection amount, a unique identification number of the two-dimension code generating and displaying device and an IP address of the payment gateway by combining the unique identification number of the two-dimension code generating and displaying device and the IP address of the aggregated payment gateway;
the touch operation interface is used for selecting the sold commodities, inputting unit prices of the commodities, and displaying the amount of money received, the dynamic two-dimensional code and information on whether payment is successful or not;
the purchaser mobile terminal is used for scanning the dynamic two-dimensional code and initiating a payment request with a unique identification number and collection amount information of the two-dimensional code generating and displaying device to the aggregation payment gateway;
the aggregation payment gateway is used for authenticating the legality of the two-dimension code generating and displaying device, initiating a payment request with merchant information, purchaser mobile terminal program information and collection amount information to a third-party payment channel, monitoring a transaction result and feeding the transaction result back to the two-dimension code generating and displaying device;
the third party payment channel is used for finishing the safe interactive payment between a third party payment account of a purchaser party of the purchaser mobile terminal and a merchant;
and the block chain node server is used for realizing third-party payment, data preprocessing, distributed data storage and data service.
2. The working method of the two-dimension code aggregation payment system based on the block chain as claimed in claim 1, characterized by comprising the following steps:
(1) the method comprises the steps that a merchant runs a commodity sales application software preinstalled on a two-dimensional code generation and display device, after a commodity name is selected through a touch operation interface of the two-dimensional code generation and display device and a commodity unit price is input, the commodity sales application software automatically calculates the amount of money to be collected and displays the amount of money to be collected, the merchant selects a settlement function, and a dynamic two-dimensional code containing the amount of money to be collected, the unique identification number of the two-dimensional code generation and display device and the IP address of an aggregation payment gateway is generated through combining the unique identification number of the two-dimensional code generation and display device and the IP address of the aggregation payment gateway;
(2) a purchaser scans the dynamic two-dimensional code through an application program in purchaser mobile terminal equipment with a two-dimensional code identification function and then initiates a payment request with a unique identification number and collection amount information of a two-dimensional code generation and display device to the aggregation payment gateway;
(3) the aggregation payment gateway firstly authenticates the legality of the two-dimension code generation and display device according to information sent by the two-dimension code generation and display device, sends the unique identification number of the two-dimension code generation and display device to the block chain node server after the authentication is passed so as to obtain the corresponding merchant information, and sends a payment request broadcast to a third party payment together with client program information used by a purchaser and the payment request according to a corresponding third party payment access format;
(4) the corresponding third party payment channel in the block chain node server automatically executes a corresponding program according to the channel selected by the intelligent contract, so that the interaction required by the payment of the third party and the payment of the buyer is directly completed, and finally, whether the result of the payment is successful or not is respectively fed back to the aggregated payment gateway and the buyer through the intelligent contract program;
(5) and the aggregation payment gateway receives the result of whether the payment is successful or not, and feeds the result back to the two-dimensional code generation and display device for corresponding prompt, so that the whole payment process is completed.
3. The operating method of the two-dimensional code aggregation payment system based on the blockchain as claimed in claim 2, wherein after the payment process is completed in step (5), the two-dimensional code generation and display device uploads the transaction data to the aggregation payment gateway according to the IBM MQTT protocol, and the aggregation payment gateway stores the corresponding transaction data to all nodes in the blockchain node server in a point-to-point communication manner according to an agreed encryption rule in the form of electronic evidence and based on interaction rules of proximity and consensus, thereby realizing distributed ledger storage.
4. The working method of the two-dimensional code aggregation payment system based on the block chain as claimed in claim 2, wherein in the step (3), before the aggregation payment gateway primarily authenticates the two-dimensional code generation and display device, the device registration, the device authentication, and the key distribution of the two-dimensional code generation and display device need to be completed, and a request is sent to a node of the block chain, so that data reading and writing are realized by using an intelligent contract.
5. The working method of the two-dimensional code aggregation payment system based on the block chain as claimed in claim 2, wherein the step (1) is preceded by the steps of: merchant registration, two-dimensional code generation and display device initialization, wherein,
the merchant registers as a member, fills in relevant member information and stores the corresponding information to the block chain node server;
the initialization of the two-dimensional code generation and display device comprises the following steps: a. burning a unique identification number of the two-dimensional code generation and display device; b. registering and registering a unique identification number of the two-dimensional code generating and displaying device in the aggregation payment gateway; c. matching a corresponding merchant third-party payment account for the two-dimensional code generating and displaying device; d. the two-dimensional code generating and displaying device is connected to the block link point server through the Internet.
6. The working method of the two-dimensional code aggregation payment system based on the blockchain as claimed in claim 3, wherein the distributed book of the blockchain node server communicates with the data service client through an IBM HFC SDK and REST API, so as to implement data services facing different requirements directly or through a social network platform.
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