Summary of the invention
In order to solve the problems, such as that client in the prior art does not support multi-platform payment, the present invention provides a kind of graphic code
The method, apparatus and system of multi-platform payment.
The technical scheme of the present invention is realized as follows:
The invention discloses a kind of methods of the multi-platform transaction of graphic code, comprising the following steps:
S1. the graphic code for the requests transaction that the environmental unit of reception first party shows;
S2. the graphic code as described in second party land identification, and it is flat to transfer the corresponding third party transaction of graphic code
Platform;
S3. transaction is realized in the third party transaction platform.
Further, step S3, specifically includes the following steps:
A1. judge whether the first trading channel can trade in full amount, if so, A2 is entered step, if it is not, entering step A3;
A2. it realizes and withholds in first trading channel;
A3. other trading channels are successively traversed, when one of trading channel can be paid in full amount, realize that the transaction is logical
Road is withholdd, if other trading channels can not achieve full-amount payment, feedback payment failure.
Further, the graphic code is unique medium for transaction, and multiple the can be associated with according to user demand
Tripartite transaction platform.
Further, the graphic code includes: payment code, by bus code, member's code.
The invention discloses a kind of devices of the multi-platform payment of graphic code, comprising:
Receiving unit, for receiving the graphic code for the requests transaction that environmental unit shows;
Recognition unit for the graphic code as described in second party land identification, and transfers the graphic code corresponding the
Tripartite transaction platform;
Transaction unit, for realizing transaction in the third party transaction platform.
Further, the transaction unit is specifically included with lower unit:
Judging unit, for judging whether the first trading channel can trade in full amount, if so, into unit of withholing, if it is not, into
Enter Traversal Unit;
It withholds unit, withholds for being realized in first trading channel;
Traversal Unit, it is real when one of trading channel can be paid in full amount for successively traversing other trading channels
Now the trading channel is withholdd, if other trading channels can not achieve full-amount payment, feedback payment failure.
Further, the graphic code is unique medium for transaction, and multiple the can be associated with according to user demand
Tripartite transaction platform.
Further, the graphic code includes: payment code, by bus code, member's code.
The invention discloses a kind of systems of the multi-platform payment of graphic code, and environmental unit, second party including first party are flat
Platform, third party transaction platform, the second party platform are wirelessly connected the third party transaction platform, comprising: described the
Two side's platforms include above-mentioned device.
Further, the second party platform include can graphic code payment electronic card or smart phone.
Implement the method, apparatus and system of the multi-platform payment of a kind of graphic code of the invention, there is technology beneficial below
Effect:
The application that the multiple payment platforms of installation are usually required in being different from the prior art just is able to achieve the deficiency of transaction, this skill
The method, apparatus and system of the multi-platform payment of one of art scheme graphic code do not need to install the application of multiple payment platforms,
Graphic code described in Direct Recognition, and transfer the corresponding third party transaction platform of graphic code and realize transaction, mode of doing business is more convenient.
Specific embodiment
Following will be combined with the drawings in the embodiments of the present invention, and technical solution in the embodiment of the present invention carries out clear, complete
Site preparation description, it is clear that described embodiments are only a part of the embodiments of the present invention, instead of all the embodiments.It is based on
Embodiment in the present invention, it is obtained by those of ordinary skill in the art without making creative efforts every other
Embodiment shall fall within the protection scope of the present invention.
Referring to Fig. 1, embodiment one, a kind of method of the multi-platform transaction of graphic code, comprising the following steps:
S1. the graphic code for the requests transaction that the environmental unit of reception first party shows;
Graphic code includes: payment code, by bus code, member's code etc..
Graphic code is unique medium for transaction, and can be associated with multiple third party transaction platforms, example according to user demand
Such as: third party transaction platform includes bus company, metro company.
S2. the graphic code as described in second party land identification, and it is flat to transfer the corresponding third party transaction of graphic code
Platform;
Second party platform includes: transaction code acquisition reporting terminal, and multiple third party transaction platforms can be associated with by APP,
APP on transaction code acquisition reporting terminal has recognized graphic code, obtains mark therein, finds out third party corresponding with mark
Transaction platform, and initiate transaction request.
S3. it realizes and trades in third party transaction platform.
Second party platform is only to provide a kind of carrier, and that really realize transaction is user and third party transaction platform.
The second embodiment of this method, as shown in Figure 2, wherein most step is identical as Fig. 1, the difference is that,
Step S3 specifically includes the following steps:
A1. judge whether the first trading channel can trade in full amount, if so, A2 is entered step, if it is not, entering step A3;
A2. it realizes and withholds in first trading channel;
A3. other trading channels are successively traversed, when one of trading channel can be paid in full amount, realize that the transaction is logical
Road is withholdd, if other trading channels can not achieve full-amount payment, feedback payment failure.
The step of server sign test is traded:
Second party platform includes transaction code acquisition reporting terminal, the terminal scanning circumstance equipment (such as: electronic card) display
Two dimensional code or bar code, identify and extract the transaction code information inside graphical information;
Transaction code acquires reporting terminal and submits transaction code and transaction data according to sign test server commitment interaction flow;
Sign test server is decoded transaction code according to the transaction code create-rule same with electronic card, and removal is mixed
Confuse data, extracts key factor information (including temporal information, unique ID of electronic card);
Sign test server matches these key factor information with database information, if inside transaction code
Temporal information is in standard time allowed band (such as ± 30 seconds), then the timeliness of transaction code is effective.If inside transaction code
Electronic card unique ID information can find unique corresponding relation inside database, then it is assumed that the legitimacy of the transaction code is effective;
After sign test server passes through the available time and legitimate verification of transaction, transaction request is submitted into transaction industry
Business server carries out trade confirmation;
After transaction service server takes user information and transaction data, transaction request is initiated to third party transaction platform,
Third party transaction platform provides transaction data and transfers, and confirmation both parties have enough transaction limits to complete transaction, and transaction business is patrolled
Collect control, trading channel control etc..Carry out transaction judgement according to trading channel set by user sequence, if amount it is insufficient or its
His reason leads to Fail Transaction, successively traverses other trading channels, when one of trading channel can be paid in full amount, realizes
The trading channel is withholdd, if other trading channels can not achieve full-amount payment, feedback payment failure, third party transaction is put down
These information are sent to transaction service server by platform, then these information are fed back to sign test service by transaction service server
Device, and database server is recorded.
The device for realizing above method is described below, the part that do not record in a device please refers to the note of above method
It carries.
Referring to Fig. 3, a kind of device 1 of the multi-platform payment of graphic code, comprising:
Receiving unit 10, for receiving the graphic code for the requests transaction that environmental unit shows;
Recognition unit 20, for the graphic code as described in second party land identification, and it is corresponding to transfer the graphic code
Third party transaction platform;
Transaction unit 30, for realizing transaction in the third party transaction platform.
The second embodiment of the present apparatus, as shown in Figure 4, wherein most step is identical as Fig. 3, the difference is that,
Transaction unit 30 is specifically included with lower unit:
Judging unit 301, for judging whether the first trading channel can trade in full amount, if so, into unit 302 of withholing,
If it is not, into Traversal Unit 303;
It withholds unit 302, withholds for being realized in first trading channel;
Traversal Unit 303, for successively traversing other trading channels, when one of trading channel can be paid in full amount
When, realize that the trading channel is withholdd, if other trading channels can not achieve full-amount payment, feedback payment failure.
Graphic code is the unique patterns code for transaction, and can be associated with multiple third party transaction platforms according to user demand.
Graphic code includes: payment code, by bus code, member's code etc..
Wherein, environmental unit with electronic card for example, electronic card include: main control processor unit, display unit,
Communication unit, safe unit, input unit.
Main control processor unit mainly includes transaction code generating algorithm, two dimensional code/bar code generating algorithm, business flow control
System, encryption access and human-computer interaction Row control.
Prompt information is shown, status indicator is shown, two dimensional code/bar code display for display unit offer.Using black and white or coloured silk
Liquid crystal dot matrix screen, the electronic ink screen of screen.
Communication unit realizes the data communications channels such as bluetooth, digital cellular mobile network, WIFI.Communication unit can be list
Only chips, can also be with hardware integration to main control chip.
Safe unit provides high security algorithm, high security data access function.Safe unit can an independent core
Piece can also use the hardware integration of high security to main control chip.
Input unit provide human-computer interaction input, such as keyboard input, touch-screen input, fingerprint input, camera acquire it is defeated
Enter.
As can be seen from figures 8 and 9, the step of data of electronic card and server are bound is:
For electronic card before not generating binding relationship with server data (referred to as unbound), electronic card presses specified button
The two dimensional code for data binding purposes is generated, which uses QR code or other two dimensional code coding modes, and content includes should
The unique information of card, the MAC Address of bluetooth, product information etc..
Two dimensional code on mobile phone barcode scanning electronic card, by bluetooth, digital cellular mobile network or and submit to server,
By card image in server registers, while from server pull synchronizing information to card, so as to card can with server according to
Same key factor information generate can sign test bar code or two-dimensional barcode information.These key factor information include the time, service
Device is the unique ID code that card is specifically generated.Entire communication process all passes through highly safe encryption.
After binding success, server can retain the key factor information of a card, and electronic card can also save a key
Factor information.
As shown in fig. 6, the step of generating transaction code under connected state (sign test server can be connected):
By the specified button for having bound electronic card, electronic card main control unit extracts the key factor data saved, leads to
Cipher mode is crossed to initiate to obtain transaction code to remote server or generate the request of key factor.
Remote server issues transaction code or generates key factor data.
Electronic card receives transaction code or generates key factor data, further according to two dimensional code or bar code create-rule,
Bar code or two dimensional code are shown on display unit.
As shown in fig. 7, the step of generating transaction code under off-line state:
By the specified button for having bound electronic card, electronic card main control unit extracts the key factor information (example saved
Such as current time, unique ID) as input, it is given to generating algorithm, producing not only has specified rule to generate information has again
The transaction code that random information is obscured.
The main control unit of electronic card takes transaction code, raw in display unit according to two dimensional code or bar code create-rule
It is in strip code or two-dimension code pattern.
The system for please referring to Fig. 5, a kind of multi-platform payment of graphic code, environmental unit 200, second party including first party are flat
Platform 300, third party transaction platform 400, second party platform 300 are wirelessly connected third party transaction platform 400, comprising: second party is flat
Platform 300 includes above-mentioned device 1.
Second party platform 300 include can graphic code payment electronic card or smart phone.
The realization system of transaction is described below:
The environmental unit 200 of first party includes member code the barcode scanning equipment or bus barcode scanning equipment etc. in market, these set
It is standby to show each two dimensional code to user.
Second party platform 300 includes that transaction code acquires reporting terminal, and transaction code, which acquires reporting terminal, has two dimensional code/bar shaped
The identification function of code, code scaning information are reported to sign test server 310, receive the transaction results information that sign test server 310 is fed back.
Sign test server 310 mainly realizes that the verifying to the transaction code reported (is generated with the transaction code of environmental unit
Algorithm is corresponding), determine the legitimacy and timeliness of transaction code.If transaction code sign test passes through, transaction business service is notified
Device 320 initiates transaction request to third party transaction platform 330, completes transaction by third party transaction platform 330 and transfers, and obtains friendship
It is readily accomplished information and sends transaction service server 320, transaction code acquisition reporting terminal is fed back to by transaction service server 320.
All 310 sign test of sign test server records, transaction record will all be stored in database server 340.
Database server 340 is for storing sign test transaction record, the pass for generating transaction code corresponding with environmental unit 200
Key factor data (is used for the use of sign test server sign test).
Third party transaction platform 400 provides transaction data and transfers, and confirmation both parties have enough transaction limits to complete transaction,
Transaction business logic control, trading channel control etc..Transaction judgement is carried out according to trading channel sequence set by user, if volume
Degree is insufficient or other reasons lead to Fail Transaction, other trading channels is successively traversed, when one of trading channel can be full-amount
When payment, realize that the trading channel is withholdd, if other trading channels can not achieve full-amount payment, feedback payment failure,
These information are sent to transaction service server 320 by third party transaction platform 400, then by transaction service server 320 by this
A little information feed back to sign test server 310, and database server 340 is recorded.
Implement the method, apparatus and system of the multi-platform payment of a kind of graphic code of the invention, there is technology beneficial below
Effect:
The application that the multiple payment platforms of installation are usually required in being different from the prior art just is able to achieve the deficiency of transaction, this skill
The method, apparatus and system of the multi-platform payment of one of art scheme graphic code do not need to install the application of multiple payment platforms,
The Direct Recognition identification graphic code, and transfer the corresponding third party transaction platform of graphic code and realize transaction, mode of doing business is more
It is convenient.
The embodiment of the present invention can provide as method, system or computer program product.Therefore, the present invention can be used
The form of full hardware embodiment, complete software embodiment or embodiment combining software and hardware aspects.Moreover, the present invention can
Using wherein include at one or at least one the computer-usable storage medium of computer usable program code (including but not
Be limited to magnetic disk storage, CD-ROM, optical memory etc.) on the form of computer program product implemented.
The present invention be referring to according to the method for the embodiment of the present invention, the process of equipment (system) and computer program product
Figure and/or block diagram describe.It should be understood that every one stream in flowchart and/or the block diagram can be realized by computer program instructions
The combination of process and/or box in journey and/or box and flowchart and/or the block diagram.It can provide these computer programs
Instruct the processor of general purpose computer, special purpose computer, Embedded Processor or other programmable data processing devices to produce
A raw machine, so that being generated by the instruction that computer or the processor of other programmable data processing devices execute for real
The function of being specified in present one process of flow chart or one box of at least one process and/or block diagram or at least one box
Device.
These computer program instructions, which may also be stored in, is able to guide computer or other programmable data processing devices with spy
Determine in the computer-readable memory that mode works, so that it includes referring to that instruction stored in the computer readable memory, which generates,
The manufacture of device is enabled, which realizes in one process of flow chart or at least one process and/or one side of block diagram
The function of being specified in frame or at least one box.
These computer program instructions also can be loaded onto a computer or other programmable data processing device, so that counting
Series of operation steps are executed on calculation machine or other programmable devices to generate computer implemented processing, thus in computer or
The instruction executed on other programmable devices is provided for realizing in one process of flow chart or at least one process and/or box
The step of function of being specified in one box of figure or at least one box.
Although preferred embodiments of the present invention have been described, it is created once a person skilled in the art knows basic
Property concept, then additional changes and modifications may be made to these embodiments.So it includes excellent that the following claims are intended to be interpreted as
It selects embodiment and falls into all change and modification of the scope of the invention.
Obviously, those skilled in the art can carry out various modification and variations without departing from this hair to the embodiment of the present invention
The spirit and scope of bright embodiment.In this way, if these modifications and variations of the embodiment of the present invention belong to the claims in the present invention
And its within the scope of equivalent technologies, then the present invention is also intended to include these modifications and variations.