CN110889694A - Method for realizing support of NFC and two-dimension code payment modes by one payment certificate - Google Patents
Method for realizing support of NFC and two-dimension code payment modes by one payment certificate Download PDFInfo
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- CN110889694A CN110889694A CN201910980024.0A CN201910980024A CN110889694A CN 110889694 A CN110889694 A CN 110889694A CN 201910980024 A CN201910980024 A CN 201910980024A CN 110889694 A CN110889694 A CN 110889694A
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- 238000000034 method Methods 0.000 title claims abstract description 39
- 238000012790 confirmation Methods 0.000 claims abstract description 7
- 238000004590 computer program Methods 0.000 claims description 10
- 238000012795 verification Methods 0.000 claims description 7
- 238000011084 recovery Methods 0.000 claims 1
- 238000012545 processing Methods 0.000 description 2
- 230000009286 beneficial effect Effects 0.000 description 1
- 230000005540 biological transmission Effects 0.000 description 1
- 230000007547 defect Effects 0.000 description 1
- 230000000694 effects Effects 0.000 description 1
- 230000006698 induction Effects 0.000 description 1
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3821—Electronic credentials
- G06Q20/38215—Use of certificates or encrypted proofs of transaction rights
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3274—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- 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
- G06Q20/3278—RFID or NFC payments by means of M-devices
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Abstract
The invention belongs to the technical field of mobile payment, and discloses a method and a system for realizing that one payment certificate supports two payment modes of NFC and two-dimensional codes, wherein when the preset default payment mode is two-dimensional code payment, transaction confirmation information submitted by a user is received, and a two-dimensional code picture is generated according to the transaction information of the user and the payment certificate and is sent to a user side; when the two-dimensional code picture is clicked, a first payment mode switching request is generated; switching to an NFC payment mode according to the first payment mode switching request, and converting user transaction information and payment certificate data into a format data stream; the system and the method thereof correspond; the invention provides a plurality of payment modes on the payment interface of an application program, and a user can select the required payment mode according to the application scene or personal preference, so that the invention is more flexible and convenient, can simultaneously support a plurality of payment scenes such as bus card swiping, small-amount consumption payment and the like, is greatly convenient for the user to use, and expands the application scene.
Description
Technical Field
The invention belongs to the technical field of mobile payment, and particularly relates to a method for realizing that one payment certificate supports two payment modes, namely NFC and two-dimensional code.
Background
With the comprehensive popularization of smart phones and mobile internet, the cashless payment mode of mobile payment is gradually accepted by users, and the novel payment mode of the internet era of mobile payment uses a mobile terminal as a center to settle and pay purchased products or services through the mobile terminal, including completing payment or confirming payment.
The two-dimension code and the NFC are two payment modes which are most widely applied in the field of mobile payment at present, but safety certificates facing the payment modes are both a payment certificate which only supports one payment mode, so that the use scene of a user is limited; and the time consumption, setting and the like caused by switching between the two certificates also reduce the user experience.
Disclosure of Invention
Aiming at the defects or the improvement requirements of the prior art, the invention provides a method for realizing that one payment certificate supports two payment modes of NFC and two-dimensional codes, and aims to realize that one payment certificate simultaneously supports two payment modes of NFC and two-dimensional codes.
To achieve the above object, according to one aspect of the present invention, there is provided a method for implementing a payment certificate supporting both NFC and two-dimensional code payment modes,
when the preset default payment mode is two-dimensional code payment, transaction confirmation information submitted by a user is received, and a two-dimensional code picture is generated according to the user transaction information and a payment certificate and is sent to a user side;
when the two-dimensional code picture is clicked, a first payment mode switching request is generated; and switching to an NFC payment mode according to the first payment mode switching request, and converting the user transaction information and the payment certificate data into a format data stream.
Preferably, the method for realizing that one payment certificate supports two payment modes of NFC and two-dimensional code,
the two-dimension code picture can be covered to be changed into a prompt picture after being clicked, and the two-dimension code picture can be switched back after being clicked again; and when the original two-dimension code picture display area is clicked again, generating a second payment mode switching request, and switching the payment mode back to the two-dimension code payment mode according to the second payment mode switching request.
Preferably, in the method for implementing a payment certificate supporting two payment modes, when a merchant terminal acquires transaction information of a user through a camera or an NFC sensor or other acquisition devices, a two-dimensional code picture or format data flow is restored to transaction information and payment certificate data;
and the merchant terminal initiates a request for inquiring and verifying the payment certificate data to the background system, and operates the payment certificate to complete the transaction after the inquiry and verification pass.
To achieve the object of the present invention, according to another aspect of the present invention, there is provided a system for implementing a payment certificate supporting two payment modes, namely NFC and two-dimensional code, including:
the default setting module is used for setting a default payment mode according to the input of a user;
the two-dimensional code picture generating module is used for receiving transaction confirmation information submitted by a user, generating a two-dimensional code picture according to the transaction information of the user and a payment certificate and sending the two-dimensional code picture to a user side;
the first payment mode switching request generating module is used for generating a first payment mode switching request when the two-dimensional code picture is clicked;
and the first payment mode switching module is used for switching to an NFC payment mode according to the first payment mode switching request and converting the user transaction information and the payment certificate data into a format data stream.
Preferably, the above system for implementing that one payment certificate supports two payment methods, namely NFC and two-dimensional code, further includes:
the second payment mode switching request generating module is used for generating a second payment mode switching request when the display area of the original two-dimensional code picture is clicked again; and the first payment mode switching module switches the payment mode back to the two-dimensional code payment mode according to the second payment mode switching request.
Preferably, the above system for implementing that one payment certificate supports two payment methods, namely NFC and two-dimensional code, further includes:
the payment certificate restoration module is used for restoring the two-dimensional code picture or the format data stream into transaction information and payment certificate data when the merchant terminal acquires the user transaction information; and after the merchant terminal passes the inquiry and verification of the payment certificate data initiated by the background system, the payment certificate is operated to complete the transaction.
To achieve the object, according to another aspect of the present invention, there is provided an electronic device for implementing a payment certificate supporting two payment manners, namely NFC and two-dimensional code, including a processor and a memory, where the processor runs a program corresponding to an executable program code by reading the executable program code stored in the memory, so as to implement the above method for implementing a payment certificate supporting two payment manners, namely NFC and two-dimensional code.
To achieve the object, according to another aspect of the present invention, there is provided a computer-readable storage medium having a computer program stored thereon, where the computer program is executed by a processor to implement the above method for realizing a payment certificate supporting both NFC and two-dimensional code payment methods.
In general, compared with the prior art, the above technical solution contemplated by the present invention can achieve the following beneficial effects:
according to the method and the system for realizing that one payment certificate supports two payment modes, multiple payment modes are provided for a payment interface of one application program, a user can select the required payment mode according to an application scene or personal preference, the user can use the method and the system more flexibly and conveniently, multiple payment scenes such as bus card swiping, small-amount consumption payment and the like can be supported at the same time, the user is greatly facilitated, and the application scene is expanded.
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Fig. 1 is a schematic flow chart of payment by using the method for supporting two payment modes, namely NFC and two-dimensional code, provided by the 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. In addition, the technical features involved in the embodiments of the present invention described below may be combined with each other as long as they do not conflict with each other.
According to the method for realizing that one payment certificate supports two payment modes of NFC and two-dimensional code, two payment channels of NFC induction and two-dimensional code scanning are integrated in one application interface at the same time, the two payment modes correspond to the same payment certificate, and the two payment modes can be flexibly switched and selected; specifically, when transaction confirmation information submitted by a user is received, a two-dimensional code picture is generated according to the transaction information of the user and a payment certificate and is sent to a user side; when the two-dimensional code picture is clicked, a first payment mode switching request is generated; and switching to an NFC payment mode according to the first payment mode switching request, and converting the user transaction information and the payment certificate data into a format data stream.
In the method for implementing a payment certificate supporting two payment methods, namely NFC and two-dimensional code, provided by an embodiment of the present invention, further includes: and when the original two-dimension code picture display area is clicked again, generating a second payment mode switching request, and switching the payment mode back to the two-dimension code payment mode according to the second payment mode switching request.
In the method for realizing that one payment certificate supports two payment modes, namely the NFC and the two-dimensional code, according to a preferred embodiment, when a merchant terminal acquires transaction information of a user through a camera, an NFC sensor or other acquisition devices, a two-dimensional code picture or format data stream is restored to transaction information and payment certificate data;
and the merchant terminal initiates a request for inquiring and verifying the payment certificate data to the background system, and operates the payment certificate to complete the transaction after the inquiry and verification pass.
Referring to fig. 1, in one embodiment, a user presets a default payment mode as two-dimensional code payment. When a transaction needs to be carried out, a user opens a program to enter a payment interface; after the user confirms the transaction amount, related transaction information and payment certificates can be directly converted into a two-dimensional code picture under the default condition to be displayed; if the payment mode needs to be switched, the user clicks the two-dimensional code picture, and the NFC payment mode is switched to convert the related transaction information and the payment certificate into a format data stream; and if the user clicks again, switching back to the two-dimensional code mode. The merchant terminal can restore the two-dimensional code picture or the data stream into transaction information and payment certificate data after acquiring the information through the camera or the NFC inductor, the merchant is connected with the background to inquire and verify the payment certificate, and the payment certificate can be operated to complete the transaction after the verification is passed.
Another embodiment provides a system for realizing that one payment certificate supports two payment modes of NFC and two-dimensional code, which comprises a default setting module, a two-dimensional code picture generating module, a first payment mode switching request generating module and a first payment mode switching module,
the default setting module is used for setting a default payment mode according to user input; the two-dimensional code picture generating module is used for receiving transaction confirmation information submitted by a user, generating a two-dimensional code picture according to the transaction information of the user and a payment certificate and sending the two-dimensional code picture to a user side; the first payment mode switching request generating module is used for generating a first payment mode switching request when the two-dimensional code picture is clicked; the first payment mode switching module is used for switching to an NFC payment mode according to the first payment mode switching request and converting the user transaction information and the payment certificate data into a format data stream.
In a preferred embodiment, the system further includes a second payment method switching request generating module, configured to generate a second payment method switching request when the display area of the original two-dimensional code picture is clicked again; and the first payment mode switching module switches the payment mode back to the two-dimensional code payment mode according to the second payment mode switching request.
In a preferred embodiment, the system further includes a payment certificate restoring module, configured to restore the two-dimensional code picture or format data stream into transaction information and payment certificate data when the merchant terminal acquires the user transaction information; and after the merchant terminal passes the inquiry and verification of the payment certificate data initiated by the background system, the payment certificate is operated to complete the transaction.
In order to implement the foregoing embodiment, an embodiment of the present application further provides an electronic device, including: a processor and a memory; wherein the memory and the processor are electrically connected, directly or indirectly, to enable transmission or interaction of data. The memory stores a computer program, and the computer program can implement the technical solution of any of the above method embodiments when executed by the processor. The memory stores computer programs for realizing the method for supporting two payment modes of NFC and two-dimensional codes by one payment certificate, the computer programs comprise at least one software functional module which can be stored in the memory in the form of software or firmware, and the processor executes various functional applications and data processing by running the software programs and the software functional modules stored in the memory.
The processor may be an integrated circuit chip having signal processing capabilities. The processor executes the computer program after receiving the execution instruction. Optionally, the software programs and modules within the memory may also include an operating system, may include various software components or drivers for managing system tasks, and may communicate with various hardware or software components to provide an operating environment for other software components.
The electronic device provided in this embodiment may be configured to execute the technical solution of any of the method embodiments, and the implementation principle and the technical effect are similar, which are not described herein again. The embodiment of the present application further provides a computer-readable storage medium, on which a computer program is stored, where the computer program is executed by a processor to implement the technical solution of any one of the above method embodiments.
It will be understood by those skilled in the art that the foregoing is only a preferred embodiment of the present invention, and is not intended to limit the invention, and that any modification, equivalent replacement, or improvement made within the spirit and principle of the present invention should be included in the scope of the present invention.
Claims (8)
1. A method for realizing that one payment certificate supports two payment modes of NFC and two-dimensional code is characterized in that,
when the preset default payment mode is two-dimensional code payment, transaction confirmation information submitted by a user is received, and a two-dimensional code picture is generated according to the user transaction information and a payment certificate and is sent to a user side;
when the two-dimensional code picture is clicked, generating a first payment mode switching request; and switching to an NFC payment mode according to the first payment mode switching request, and converting the user transaction information and the payment certificate data into a format data stream.
2. The method as claimed in claim 1, wherein when the display area of the original two-dimensional code image is clicked again, a second payment method switching request is generated, and the payment method is switched back to the two-dimensional code payment method according to the second payment method switching request.
3. The method for realizing that a payment certificate supports two payment modes, namely NFC and two-dimensional code, as claimed in claim 1 or 2, wherein when a merchant terminal acquires user transaction information through a camera or an NFC sensor and other acquisition equipment, a two-dimensional code picture or format data stream is restored to transaction information and payment certificate data;
and the merchant terminal initiates a request for inquiring and verifying the payment certificate data to the background system, and operates the payment certificate to complete the transaction after the inquiry and verification pass.
4. A system for realizing that one payment certificate supports two payment modes of NFC and two-dimensional code is characterized by comprising the following steps:
the default setting module is used for setting a default payment mode according to the input of a user;
the two-dimensional code picture generating module is used for receiving transaction confirmation information submitted by a user, generating a two-dimensional code picture according to the transaction information of the user and a payment certificate and sending the two-dimensional code picture to a user side;
the first payment mode switching request generating module is used for generating a first payment mode switching request when the two-dimensional code picture is clicked;
and the first payment mode switching module is used for switching to an NFC payment mode according to the first payment mode switching request and converting the user transaction information and the payment certificate data into a format data stream.
5. The system for realizing two payment methods of a payment certificate supporting NFC and a two-dimensional code according to claim 4, further comprising a second switching request generating module for generating a second payment method switching request when the two-dimensional code picture is clicked again; and the first payment mode switching module switches the payment mode back to the two-dimensional code payment mode according to the second payment mode switching request.
6. The system for realizing two payment modes of payment certificate support NFC and two-dimensional code according to claim 4 or 5, further comprising a payment certificate recovery module for recovering the two-dimensional code picture or format data stream into transaction information and payment certificate data when the merchant terminal obtains the user transaction information; and after the merchant terminal passes the inquiry and verification of the payment certificate data initiated by the background system, the payment certificate is operated to complete the transaction.
7. An electronic device implementing a payment certificate supporting both NFC and two-dimensional code payment methods, comprising a processor and a memory, characterized in that the processor runs a program corresponding to an executable program code stored in the memory by reading the executable program code for implementing the method according to any one of claims 1 to 3.
8. A computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, carries out the method according to any one of claims 1-3.
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910980024.0A CN110889694B (en) | 2019-10-15 | 2019-10-15 | Method for realizing that one payment certificate supports two payment modes of NFC and two-dimension code |
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| CN201910980024.0A CN110889694B (en) | 2019-10-15 | 2019-10-15 | Method for realizing that one payment certificate supports two payment modes of NFC and two-dimension code |
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| CN110889694A true CN110889694A (en) | 2020-03-17 |
| CN110889694B CN110889694B (en) | 2024-04-02 |
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2019
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| CN102404025A (en) * | 2011-11-16 | 2012-04-04 | 中兴通讯股份有限公司 | Terminal, and method for processing payment business |
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