CN111126972A - Payment method, payment device, terminal and computer-readable storage medium - Google Patents

Payment method, payment device, terminal and computer-readable storage medium Download PDF

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Publication number
CN111126972A
CN111126972A CN201811272006.9A CN201811272006A CN111126972A CN 111126972 A CN111126972 A CN 111126972A CN 201811272006 A CN201811272006 A CN 201811272006A CN 111126972 A CN111126972 A CN 111126972A
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payment
dimensional codes
payee
generating
transaction information
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CN201811272006.9A
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CN111126972B (en
Inventor
郭建昌
卢燕青
崔沛东
李宝荣
杨光
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China Telecom Corp Ltd
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China Telecom Corp Ltd
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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
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
    • 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
    • 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

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Computer Security & Cryptography (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The disclosure relates to a payment method, a payment device, a terminal and a computer readable storage medium, and relates to the technical field of mobile communication. The method comprises the following steps: generating a payment character string according to the transaction information; generating a plurality of payment two-dimensional codes according to the payment character strings; and sending the plurality of payment two-dimensional codes to the payee so that the payee can obtain the transaction information according to the plurality of payment two-dimensional codes to complete payment. According to the technical scheme, the payment process can be simplified and the user experience can be improved under the condition that an additional near field communication module is not added.

Description

Payment method, payment device, terminal and computer-readable storage medium
Technical Field
The present disclosure relates to the field of mobile communications technologies, and in particular, to a payment method, a payment device, a terminal, and a computer-readable storage medium.
Background
A security unit is provided in a SIM (Subscriber identity Module) card and an eSIM (Embedded-SIM) card, which can provide hardware-level information encryption. This provides a technical basis for the rapid development of payments in unofficial digital currencies, such as bitcoins and the like. The technology adopted by the unofficial digital currency, such as UTXO (unconsumed Transaction Output) data structure, encryption system and the like, provides a good reference for the development of official digital currency payment.
In the related art, the payment of digital money may be realized by Near Field Communication such as NFC (Near Field Communication), bluetooth, and the like.
Disclosure of Invention
The inventors of the present disclosure found that the following problems exist in the above-described related art: NFC's user coverage is lower, the transformation cost is high, and the bluetooth needs the manual pairing of user, leads to the payment flow of digital currency complicated, user experience is poor.
In view of this, the present disclosure provides a payment technical solution, which can simplify a payment process and improve user experience without adding an additional near field communication module.
According to some embodiments of the present disclosure, there is provided a payment method including: generating a payment character string according to the transaction information; generating a plurality of payment two-dimensional codes according to the payment character string; and sending the plurality of payment two-dimensional codes to a payee so that the payee can obtain the transaction information according to the plurality of payment two-dimensional codes to complete payment.
In some embodiments, the payment string is divided into a plurality of substrings; and generating the plurality of payment two-dimensional codes according to the plurality of substrings.
In some embodiments, the plurality of payment two-dimensional codes are generated in a form of a cascade two-dimensional code according to an order of the plurality of substrings, so that the payee splices the plurality of substrings in order to obtain the transaction information.
In some embodiments, a plurality of independent payment two-dimensional codes are generated from the plurality of substrings; and adding sequence information in the plurality of payment two-dimensional codes according to the sequence of the plurality of substrings so that the payee can splice the plurality of payment two-dimensional codes in sequence to obtain the transaction information.
In some embodiments, the payment two-dimensional codes are alternately displayed to the payee at preset time intervals.
In some embodiments, an interference code is added to the substring.
According to further embodiments of the present disclosure, there is provided a payment apparatus including: the generating unit is used for generating a payment character string according to transaction information and generating a plurality of payment two-dimensional codes according to the payment character string; and the sending unit is used for sending the plurality of payment two-dimensional codes to a payee so that the payee can obtain the transaction information according to the plurality of payment two-dimensional codes to complete payment.
In some embodiments, the generating unit divides the payment character string into a plurality of sub-character strings, and generates the plurality of payment two-dimensional codes according to the plurality of sub-character strings.
In some embodiments, the generating unit generates the plurality of payment two-dimensional codes in a form of a cascade two-dimensional code according to an order of the plurality of sub-character strings, so that the payee splices the plurality of sub-character strings in order to obtain the transaction information.
In some embodiments, the generating unit generates a plurality of independent payment two-dimensional codes according to the plurality of sub-character strings, and adds sequence information to the plurality of payment two-dimensional codes according to the sequence of the plurality of sub-character strings, so that the payee splices the plurality of payment two-dimensional codes in sequence to obtain the transaction information.
In some embodiments, the sending unit displays the payment two-dimensional codes to the payee in turn according to a preset time interval.
In some embodiments, an interference code is added to the substring.
According to still further embodiments of the present disclosure, there is provided a payment apparatus including: a memory; and a processor coupled to the memory, the processor configured to perform the payment method of any of the above embodiments based on instructions stored in the memory device.
According to still further embodiments of the present disclosure, there is provided a terminal including: the payment device of any of the above embodiments; and the acquisition unit is used for acquiring the transaction information according to the received payment two-dimensional codes to complete payment.
According to still further embodiments of the present disclosure, there is provided a computer-readable storage medium having stored thereon a computer program which, when executed by a processor, implements a payment method in any of the above embodiments.
In the above embodiment, payment is completed according to the plurality of payment two-dimensional codes generated according to the transaction information, and the transaction can be completed without user configuration and under the condition of ensuring the integrity and the safety of the transmitted transaction information by using the module inherent to the terminal. Therefore, the payment process can be simplified and the user experience can be improved under the condition that an additional near field communication module is not added.
Drawings
The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments of the disclosure and together with the description, serve to explain the principles of the disclosure.
The present disclosure may be more clearly understood from the following detailed description, taken with reference to the accompanying drawings, in which:
fig. 1 illustrates a flow diagram of some embodiments of a payment method of the present disclosure;
FIG. 2 illustrates a flow diagram of some embodiments of step 120 in FIG. 1;
FIG. 3 illustrates a flow diagram for some embodiments of step 1220 in FIG. 2;
fig. 4 illustrates a block diagram of some embodiments of a payment device of the present disclosure;
FIG. 5 shows a block diagram of further embodiments of a payment device of the present disclosure;
FIG. 6 illustrates a block diagram of still further embodiments of payment devices of the present disclosure;
fig. 7 illustrates a block diagram of some embodiments of a terminal of the present disclosure.
Detailed Description
Various exemplary embodiments of the present disclosure will now be described in detail with reference to the accompanying drawings. It should be noted that: the relative arrangement of the components and steps, the numerical expressions, and numerical values set forth in these embodiments do not limit the scope of the present disclosure unless specifically stated otherwise.
Meanwhile, it should be understood that the sizes of the respective portions shown in the drawings are not drawn in an actual proportional relationship for the convenience of description.
The following description of at least one exemplary embodiment is merely illustrative in nature and is in no way intended to limit the disclosure, its application, or uses.
Techniques, methods, and apparatus known to those of ordinary skill in the relevant art may not be discussed in detail but are intended to be part of the specification where appropriate.
In all examples shown and discussed herein, any particular value should be construed as merely illustrative, and not limiting. Thus, other examples of the exemplary embodiments may have different values.
It should be noted that: like reference numbers and letters refer to like items in the following figures, and thus, once an item is defined in one figure, further discussion thereof is not required in subsequent figures.
Fig. 1 illustrates a flow diagram of some embodiments of a payment method of the present disclosure.
As shown in fig. 1, the method includes: step 110, generating a payment character string; step 120, generating a plurality of payment two-dimensional codes; and step 130, sending the payment two-dimensional code.
In step 110, a payment string is generated based on the transaction information. For example, the transaction information may include a plurality of items among an identification of the digital currency issuer, the transaction amount, an identification of the payer, the transaction type, the transaction content, and the like. The payment character string may be a digital currency character string generated in a manner specified by the digital currency issuer.
In step 120, a plurality of payment two-dimensional codes are generated according to the payment character string. The payment character string of digital currency contains much information, and the size of the payment character string is often more than 1KB (for example, the size of the payment character string data structure of digital currency designed by the government of the national banks is 1-2 KB). However, the effective transmission information amount of the single two-dimensional code is less than 1KB, which results in that the single two-dimensional code cannot transmit the complete transaction information. Thus, multiple payment two-dimensional codes may be generated to transmit transaction information, such as may be implemented by the embodiment of fig. 2.
Fig. 2 illustrates a flow diagram of some embodiments of step 120 in fig. 1.
As shown in fig. 2, step 120 includes: step 1210, dividing substrings; and step 1220, generating a plurality of payment two-dimensional codes.
In step 1210, the payment string is divided into a plurality of substrings. In some embodiments, an interference code may be added to the substring to improve the security of the transaction. For example, multiple substrings may be encoded and encrypted to improve security.
In step 1220, a plurality of payment two-dimensional codes are generated from the plurality of substrings. For example, a plurality of payment two-dimensional codes can be generated in a form of a cascade two-dimensional code according to the sequence of a plurality of substrings, so that the payee splices the plurality of substrings in sequence to obtain transaction information. The cascade two-dimensional code is a plurality of two-dimensional codes with a cascade mapping relation, and the two-dimensional codes can be associated together in sequence. Therefore, the payee can splice the sub-character strings obtained from the two-dimensional codes according to the sequence without adding sequence information, and a complete payment character string is obtained.
In some embodiments, step 1220 may be implemented by the embodiment in FIG. 3.
Fig. 3 illustrates a flow diagram for some embodiments of step 1220 in fig. 2.
As shown in fig. 3, step 1220 includes: step 310, generating an independent two-dimensional code; and step 320, adding sequence information.
In step 310, a plurality of independent payment two-dimensional codes are generated from the plurality of substrings. That is, each payment two-dimensional code corresponds to one substring.
In step 320, according to the sequence of the plurality of substrings, adding sequence information to the plurality of payment two-dimensional codes, so that the payee splices the plurality of payment two-dimensional codes in sequence to obtain the transaction information. For example, the sub-strings can be sorted and spliced by means of the service sequence number.
After the payment two-dimensional code is generated, the transaction may be completed through step 130 of fig. 1.
In step 130, the plurality of payment two-dimensional codes are sent to the payee, so that the payee obtains transaction information according to the plurality of payment two-dimensional codes to complete payment. For example, a plurality of payment two-dimensional codes may be presented to the payee in turn (e.g., may be in sequence) at preset time intervals. The time interval can be set according to actual needs and conditions to ensure that a payee can safely and reliably obtain each payment two-dimensional code. For example, the payee may read the identification two-dimensional code via a camera, a scanning device, or the like.
In the above embodiment, payment is completed according to the plurality of payment two-dimensional codes generated according to the transaction information, and the transaction can be completed without user configuration and under the condition of ensuring the integrity and the safety of the transmitted transaction information by using the module inherent to the terminal. Therefore, the payment process can be simplified and the user experience can be improved under the condition that an additional near field communication module is not added.
Fig. 4 illustrates a block diagram of some embodiments of a payment device of the present disclosure.
As shown in fig. 4, the payment apparatus 4 includes a generation unit 41 and a transmission unit 42.
The generating unit 41 generates a payment character string according to the transaction information, and is further configured to generate a plurality of payment two-dimensional codes according to the payment character string. For example, the generation unit 41 divides the payment character string into a plurality of sub character strings, and generates a plurality of payment two-dimensional codes from the plurality of sub character strings. An interference code may be added to the substring. For example, multiple substrings may be encoded and encrypted to improve security.
In some embodiments, the generating unit 41 generates the plurality of payment two-dimensional codes in the form of a concatenated two-dimensional code according to the sequence of the plurality of sub-character strings, so that the payee splices the plurality of sub-character strings in sequence to obtain the transaction information.
In some embodiments, the generating unit 41 generates a plurality of independent payment two-dimensional codes from a plurality of substrings. The generating unit 41 adds sequence information to the plurality of payment two-dimensional codes according to the sequence of the plurality of substrings, so that the payee splices the plurality of payment two-dimensional codes in sequence to obtain the easy information.
The sending unit 42 sends the plurality of payment two-dimensional codes to the payee, so that the payee acquires transaction information according to the plurality of payment two-dimensional codes to complete payment. For example, the sending unit 42 displays a plurality of payment two-dimensional codes to the payee in turn at preset time intervals.
In the above embodiment, payment is completed according to the plurality of payment two-dimensional codes generated according to the transaction information, and the transaction can be completed without user configuration and under the condition of ensuring the integrity and the safety of the transmitted transaction information by using the module inherent to the terminal. Therefore, the payment process can be simplified and the user experience can be improved under the condition that an additional near field communication module is not added.
Fig. 5 shows a block diagram of further embodiments of a payment device of the present disclosure.
As shown in fig. 5, the payment apparatus 5 of this embodiment includes: a memory 51 and a processor 52 coupled to the memory 51, the processor 52 being configured to perform one or more steps of the payment method in any one of the embodiments of the present disclosure based on instructions stored in the memory 51.
The memory 51 may include, for example, a system memory, a fixed nonvolatile storage medium, and the like. The system memory stores, for example, an operating system, an application program, a Boot Loader (Boot Loader), a database, and other programs.
Fig. 6 illustrates a block diagram of still further embodiments of a payment device of the present disclosure.
As shown in fig. 6, the payment apparatus 6 of this embodiment includes: a memory 610 and a processor 620 coupled to the memory 610, the processor 620 configured to perform a payment method in any of the foregoing embodiments based on instructions stored in the memory 610.
The memory 610 may include, for example, system memory, fixed non-volatile storage media, and the like. The system memory stores, for example, an operating system, an application program, a Boot Loader (Boot Loader), and other programs.
The payment apparatus 6 may further include an input-output interface 630, a network interface 640, a storage interface 650, and the like. These interfaces 630, 640, 650 and the connections between the memory 610 and the processor 620 may be through a bus 660, for example. The input/output interface 630 provides a connection interface for input/output devices such as a display, a mouse, a keyboard, and a touch screen. The network interface 640 provides a connection interface for various networking devices. The storage interface 650 provides a connection interface for external storage devices such as an SD card and a usb disk.
Fig. 7 illustrates a block diagram of some embodiments of a terminal of the present disclosure.
As shown in fig. 7, the terminal 7 includes therein the payment device 71 and the acquisition unit 72 in any of the embodiments described above. The acquisition unit 72 acquires transaction information to complete payment according to the received plurality of payment two-dimensional codes.
For example, the terminal 7 may be a mobile phone, a POS (Point of Sale), an ATM (Automatic teller machine), a television, a computer, a notebook, a dedicated terminal, or the like.
As will be appreciated by one skilled in the art, embodiments of the present disclosure may be provided as a method, system, or computer program product. Accordingly, the present disclosure may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present disclosure may take the form of a computer program product embodied on one or more computer-usable non-transitory storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
So far, a payment method, a payment apparatus, a terminal, and a computer-readable storage medium according to the present disclosure have been described in detail. Some details that are well known in the art have not been described in order to avoid obscuring the concepts of the present disclosure. It will be fully apparent to those skilled in the art from the foregoing description how to practice the presently disclosed embodiments.
The method and system of the present disclosure may be implemented in a number of ways. For example, the methods and systems of the present disclosure may be implemented by software, hardware, firmware, or any combination of software, hardware, and firmware. The above-described order for the steps of the method is for illustration only, and the steps of the method of the present disclosure are not limited to the order specifically described above unless specifically stated otherwise. Further, in some embodiments, the present disclosure may also be embodied as programs recorded in a recording medium, the programs including machine-readable instructions for implementing the methods according to the present disclosure. Thus, the present disclosure also covers a recording medium storing a program for executing the method according to the present disclosure.
Although some specific embodiments of the present disclosure have been described in detail by way of example, it should be understood by those skilled in the art that the foregoing examples are for purposes of illustration only and are not intended to limit the scope of the present disclosure. It will be appreciated by those skilled in the art that modifications may be made to the above embodiments without departing from the scope and spirit of the present disclosure. The scope of the present disclosure is defined by the appended claims.

Claims (15)

1. A payment method, comprising:
generating a payment character string according to the transaction information;
generating a plurality of payment two-dimensional codes according to the payment character string;
and sending the plurality of payment two-dimensional codes to a payee so that the payee can obtain the transaction information according to the plurality of payment two-dimensional codes to complete payment.
2. The payment method of claim 1, wherein the generating a plurality of payment two-dimensional codes comprises:
dividing the payment character string into a plurality of sub character strings;
and generating the plurality of payment two-dimensional codes according to the plurality of substrings.
3. The payment method of claim 2, wherein the generating a plurality of payment two-dimensional codes comprises:
and generating the plurality of payment two-dimensional codes in a form of cascading two-dimensional codes according to the sequence of the plurality of sub-character strings so that the payee can splice the plurality of sub-character strings in sequence to obtain the transaction information.
4. The payment method of claim 2, wherein the generating a plurality of payment two-dimensional codes comprises:
generating a plurality of independent payment two-dimensional codes according to the plurality of substrings;
and adding sequence information in the plurality of payment two-dimensional codes according to the sequence of the plurality of substrings so that the payee can splice the plurality of payment two-dimensional codes in sequence to obtain the transaction information.
5. A payment method as recited in claim 2, wherein the sending the plurality of payment two-dimensional codes to a payee comprises:
and displaying the plurality of payment two-dimensional codes to the payee in turn according to a preset time interval.
6. The payment method of claim 2, wherein,
and an interference code is added in the sub-character string.
7. A payment device, comprising:
the generating unit is used for generating a payment character string according to transaction information and generating a plurality of payment two-dimensional codes according to the payment character string;
and the sending unit is used for sending the plurality of payment two-dimensional codes to a payee so that the payee can obtain the transaction information according to the plurality of payment two-dimensional codes to complete payment.
8. The payment device of claim 7,
the generating unit divides the payment character string into a plurality of sub character strings and generates the plurality of payment two-dimensional codes according to the plurality of sub character strings.
9. The payment device of claim 8,
the generating unit generates the plurality of payment two-dimensional codes in a form of cascade two-dimensional codes according to the sequence of the plurality of sub-character strings, so that the payee can splice the plurality of sub-character strings in sequence to obtain the transaction information.
10. The payment device of claim 8,
the generating unit generates a plurality of independent payment two-dimensional codes according to the plurality of sub-character strings, and adds sequence information in the plurality of payment two-dimensional codes according to the sequence of the plurality of sub-character strings, so that the payee splices the plurality of payment two-dimensional codes in sequence to obtain the transaction information.
11. The payment device of claim 8,
and the sending unit displays the payment two-dimensional codes to the payee in turn according to a preset time interval.
12. The payment device of claim 8,
and an interference code is added in the sub-character string.
13. A payment device, comprising:
a memory; and
a processor coupled to the memory, the processor configured to perform the payment method of any one of claims 1-6 based on instructions stored in the memory device.
14. A terminal, comprising:
payment apparatus according to any one of claims 7 to 13; and
and the acquisition unit is used for acquiring the transaction information according to the received payment two-dimensional codes to complete payment.
15. A computer-readable storage medium, on which a computer program is stored which, when executed by a processor, implements a payment method as claimed in any one of claims 1 to 6.
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Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN106874979A (en) * 2015-12-14 2017-06-20 阿里巴巴集团控股有限公司 A kind of bar code treatment, display, read method and device
CN107133270A (en) * 2017-04-01 2017-09-05 广东电网有限责任公司清远供电局 Two-dimensional code generation method and device, the data processing method of Quick Response Code and device
US20170293898A1 (en) * 2016-04-11 2017-10-12 John Rampton Static ctyptographic currency value
CN107657455A (en) * 2017-10-18 2018-02-02 广州佳都数据服务有限公司 A kind of transaction verification method and device
CN107798531A (en) * 2017-08-14 2018-03-13 中国银联股份有限公司 Electric paying method and system
CN107833040A (en) * 2017-07-28 2018-03-23 平安科技（深圳）有限公司 Method of payment, device, storage medium and terminal

Patent Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN106874979A (en) * 2015-12-14 2017-06-20 阿里巴巴集团控股有限公司 A kind of bar code treatment, display, read method and device
US20170293898A1 (en) * 2016-04-11 2017-10-12 John Rampton Static ctyptographic currency value
CN107133270A (en) * 2017-04-01 2017-09-05 广东电网有限责任公司清远供电局 Two-dimensional code generation method and device, the data processing method of Quick Response Code and device
CN107833040A (en) * 2017-07-28 2018-03-23 平安科技（深圳）有限公司 Method of payment, device, storage medium and terminal
CN107798531A (en) * 2017-08-14 2018-03-13 中国银联股份有限公司 Electric paying method and system
CN107657455A (en) * 2017-10-18 2018-02-02 广州佳都数据服务有限公司 A kind of transaction verification method and device

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