CN111383010A - Method for carrying out bar code and code scanning payment by using POS machine - Google Patents
Method for carrying out bar code and code scanning payment by using POS machine Download PDFInfo
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- CN111383010A CN111383010A CN202010215569.5A CN202010215569A CN111383010A CN 111383010 A CN111383010 A CN 111383010A CN 202010215569 A CN202010215569 A CN 202010215569A CN 111383010 A CN111383010 A CN 111383010A
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- 238000000034 method Methods 0.000 title claims abstract description 17
- 230000003068 static effect Effects 0.000 description 2
- 230000001360 synchronised effect Effects 0.000 description 2
- 230000009286 beneficial effect Effects 0.000 description 1
- 230000000694 effects 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
- G06Q20/08—Payment architectures
- G06Q20/20—Point-of-sale [POS] network systems
- G06Q20/206—Point-of-sale [POS] network systems comprising security or operator identification provisions, e.g. password entry
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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
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/403—Solvency checks
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07G—REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
- G07G1/00—Cash registers
- G07G1/0036—Checkout procedures
- G07G1/0045—Checkout procedures with a code reader for reading of an identifying code of the article to be registered, e.g. barcode reader or radio-frequency identity [RFID] reader
- G07G1/0081—Checkout procedures with a code reader for reading of an identifying code of the article to be registered, e.g. barcode reader or radio-frequency identity [RFID] reader the reader being a portable scanner or data reader
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07G—REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
- G07G1/00—Cash registers
- G07G1/12—Cash registers electronically operated
- G07G1/14—Systems including one or more distant stations co-operating with a central processing unit
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- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
- Accounting & Taxation (AREA)
- Computer Security & Cryptography (AREA)
- Finance (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- Theoretical Computer Science (AREA)
- Computer Networks & Wireless Communication (AREA)
- Cash Registers Or Receiving Machines (AREA)
Abstract
The invention relates to a method for carrying out bar code and code scanning payment by adopting a POS machine. And a bar code/code scanning payment function is integrated on the POS machine so as to realize bar code/code scanning payment through the POS machine. The invention supports POS machine payment, especially on the basis of a hand-held POS machine which can support the business of receiving orders by an external card, integrates the functions of bar code/code scanning payment, is mainly used for the external card held by overseas people, and carries out personal bar code/code scanning payment consumption through the POS machine.
Description
Technical Field
The invention belongs to the field of payment, and particularly relates to a method for performing bar code and code scanning payment by using a POS machine.
Background
The existing POS machines are used for collecting money, namely, a merchant is used for non-cash settlement and collection, and mainly performs bank card bill collecting business by reading information of a bank card, a membership card and a bar code two-dimensional code.
In order to expand the functions of the POS machine, the technical problem to be solved by the proposal of the application is as follows: in addition to being used for collection, POS may also be used for personal payment, where payment is specifically made using bar/scan code payment.
Disclosure of Invention
The invention aims to provide a method for carrying out bar code/code scanning payment by adopting a POS machine, which can integrate a bar code/code scanning payment function on the basis of a handheld POS machine supporting an outside card bill receiving service, is mainly used for an outside card held by overseas people, and carries out personal bar code/code scanning payment consumption through the POS machine.
In order to achieve the purpose, the technical scheme of the invention is as follows: a method for carrying out bar code and code scanning payment by adopting a POS machine integrates a bar code/code scanning payment function on the POS machine so as to realize bar code/code scanning payment through the POS machine.
In an embodiment of the present invention, a barcode payment method is implemented as follows:
step S1, installing a bar code/code scanning payment APP on the POS machine, wherein the bar code/code scanning payment APP is authorized by one or more financial institutions such as financial payment/Payment treasures/Unionpay/banks and the like in advance;
step S2, a user inserts a bank card into the POS machine, selects a bar code payment function, and then displays the payment one-dimensional code/two-dimensional code on the POS machine;
step S3, the merchant uses the code scanning device to scan the payment bar code on the POS screen, the code scanning device uploads the read bar code information to the merchant cash desk, the merchant cash desk initiates a payment request to the merchant background, and the merchant background initiates a payment request to the bank background (or the merchant cash desk directly initiates the payment request to the bank background);
step S4, after receiving the payment request from the merchant background, the bank background actively acquires the information of the bank card in the POS machine, verifies whether the card number and the password of the bank card are correct (the bank card number and the password of the user are stored in the bank background when the account is opened, and if the password is modified, the information is also synchronized into the bank background), verifies whether the balance of the bank card is enough to pay (the bank background obtains the transaction amount through the payment request initiated by the merchant background, and can be used for comparing whether the balance of the bank card is enough to pay), and the like;
and step S5, the bank background deducts money from the bank card and transfers the money to the merchant account, and then the merchant background and the POS machine are informed of the payment result to finish the bar code payment.
In an embodiment of the present invention, the code scanning payment method includes the following steps:
step S1, installing a bar code/code scanning payment APP on the POS machine, wherein the bar code/code scanning payment APP is authorized by one or more financial institutions such as financial payment/Payment treasures/Unionpay/banks and the like in advance;
step S2, a user inserts a bank card into a POS machine, selects a code scanning payment function, then the POS machine opens a camera to scan codes, and scans the two-dimensional codes of the money collection shown by the merchant (the two-dimensional codes of the money collection can be static codes printed by the merchant or dynamic two-dimensional codes obtained by the merchant from a bank background in a request mode);
step S3, the user inputs the amount and the password on the POS machine (if some two-dimension code for collection has the amount, only the password needs to be input), and then the POS machine sends the information of the bank card and the information of the two-dimension code for collection to the bank background at the same time;
step S4, the bank background verifies whether the card number and the password of the bank card are correct (the bank card number and the password of the user are stored in the bank background when the user opens an account, and if the password is modified, the bank background synchronizes the bank background), verifies whether the balance of the bank card is enough to pay (the bank background obtains the transaction amount through the received collection two-dimensional code and can be used for comparing whether the balance of the bank card is enough to pay), and the like;
and step S5, the bank background deducts money from the bank card and transfers the money to the merchant account, and then the merchant background and the POS machine are informed of the payment result to finish code scanning payment.
Compared with the prior art, the invention has the following beneficial effects: the invention supports POS machine payment, especially on the basis of a hand-held POS machine which can support the business of receiving orders by an external card, integrates the functions of bar code/code scanning payment, is mainly used for the external card held by overseas people, and carries out personal bar code/code scanning payment consumption through the POS machine.
Drawings
The following specifically describes the technical means of the present invention.
Fig. 1 is a flow chart of the barcode payment service of the present invention.
FIG. 2 is a flow chart of the code scanning payment service of the present invention.
Detailed Description
The following specifically describes the technical means of the present invention.
The invention provides a method for carrying out bar code and code scanning payment by adopting a POS machine, which integrates a bar code/code scanning payment function on the POS machine so as to realize bar code/code scanning payment through the POS machine.
As shown in fig. 1, the barcode payment method is implemented as follows:
step S1, installing a bar code/code scanning payment APP on the POS machine, wherein the bar code/code scanning payment APP is authorized by one or more financial institutions such as financial payment/Payment treasures/Unionpay/banks and the like in advance;
step S2, a user inserts a bank card into the POS machine, selects a bar code payment function, and then displays the payment one-dimensional code/two-dimensional code on the POS machine;
step S3, the merchant uses the code scanning device to scan the payment bar code on the POS screen, the code scanning device uploads the read bar code information to the merchant cash desk, the merchant cash desk initiates a payment request to the merchant background, and the merchant background initiates a payment request to the bank background (or the merchant cash desk directly initiates the payment request to the bank background);
step S4, after receiving the payment request from the merchant background, the bank background actively acquires the information of the bank card in the POS machine, verifies whether the card number and the password of the bank card are correct (the bank card number and the password of the user are stored in the bank background when the account is opened, and if the password is modified, the information is also synchronized into the bank background), verifies whether the balance of the bank card is enough to pay (the bank background obtains the transaction amount through the payment request initiated by the merchant background, and can be used for comparing whether the balance of the bank card is enough to pay), and the like;
and step S5, the bank background deducts money from the bank card and transfers the money to the merchant account, and then the merchant background and the POS machine are informed of the payment result to finish the bar code payment.
As shown in fig. 2, the method for code scanning payment is implemented as follows:
step S1, installing a bar code/code scanning payment APP on the POS machine, wherein the bar code/code scanning payment APP is authorized by one or more financial institutions such as financial payment/Payment treasures/Unionpay/banks and the like in advance;
step S2, a user inserts a bank card into a POS machine, selects a code scanning payment function, then the POS machine opens a camera to scan codes, and scans the two-dimensional codes of the money collection shown by the merchant (the two-dimensional codes of the money collection can be static codes printed by the merchant or dynamic two-dimensional codes obtained by the merchant from a bank background in a request mode);
step S3, the user inputs the amount and the password on the POS machine (if some two-dimension code for collection has the amount, only the password needs to be input), and then the POS machine sends the information of the bank card and the information of the two-dimension code for collection to the bank background at the same time;
step S4, the bank background verifies whether the card number and the password of the bank card are correct (the bank card number and the password of the user are stored in the bank background when the user opens an account, and if the password is modified, the bank background synchronizes the bank background), verifies whether the balance of the bank card is enough to pay (the bank background obtains the transaction amount through the received collection two-dimensional code and can be used for comparing whether the balance of the bank card is enough to pay), and the like;
and step S5, the bank background deducts money from the bank card and transfers the money to the merchant account, and then the merchant background and the POS machine are informed of the payment result to finish code scanning payment.
The invention supports POS machine payment, especially on the basis of a hand-held POS machine which can support the business of receiving orders by an external card, integrates the functions of bar code/code scanning payment, is mainly used for the external card held by overseas people, and carries out personal bar code/code scanning payment consumption through the POS machine.
The above are preferred embodiments of the present invention, and all changes made according to the technical scheme of the present invention that produce functional effects do not exceed the scope of the technical scheme of the present invention belong to the protection scope of the present invention.
Claims (4)
1. A method for payment by bar code and code scanning by a POS machine is characterized in that a bar code/code scanning payment function is integrated on the POS machine so as to realize payment by bar code/code scanning through the POS machine.
2. The method of claim 1, wherein the method comprises the following steps:
step S1, installing a bar code/code scanning payment APP on the POS machine, wherein the bar code/code scanning payment APP is authorized by a financial institution in advance;
step S2, a user inserts a bank card into the POS machine, selects a bar code payment function, and simultaneously displays payment bar codes including one-dimensional codes and two-dimensional codes on the POS machine;
step S3, the merchant uses the code scanning device to scan the payment bar code on the screen of the POS machine, the code scanning device uploads the read payment bar code information to the merchant cash desk, the merchant cash desk initiates a payment request to the merchant background and then initiates the payment request to the bank background by the merchant background, or the merchant cash desk directly initiates the payment request to the bank background;
step S4, after the bank background receives the payment request of the merchant background or the merchant cash desk, actively acquiring the information of the bank card in the POS machine, verifying whether the card number and the password of the bank card are correct and verifying whether the balance of the bank card is enough for payment;
and step S5, the bank background deducts money from the bank card and transfers the money to the merchant account, and then the merchant background or the merchant cash desk and the POS machine are informed of the payment result to finish the bar code payment.
3. The method of claim 1, wherein the method comprises the following steps:
step S1, installing a bar code/code scanning payment APP on the POS machine, wherein the bar code/code scanning payment APP is authorized by a financial institution in advance;
step S2, a user inserts a bank card into the POS machine, selects a code scanning payment function, then the POS machine opens a camera to scan codes, and a two-dimensional code for collection displayed by a merchant is scanned;
step S3, the user inputs the amount and the password on the POS machine, and then the POS machine sends the information of the bank card and the information of the two-dimensional code of the collection to the bank background at the same time;
step S4, the bank background verifies whether the card number and the password of the bank card are correct and whether the balance of the bank card is enough for payment;
and step S5, the bank background deducts money from the bank card and transfers the money to the merchant account, and then the merchant background and the POS machine are informed of the payment result to finish code scanning payment.
4. The method of claim 2 or 3, wherein the financial institution comprises financial payment, Payment treasures, Unionpay, and banks.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202010215569.5A CN111383010A (en) | 2020-03-25 | 2020-03-25 | Method for carrying out bar code and code scanning payment by using POS machine |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202010215569.5A CN111383010A (en) | 2020-03-25 | 2020-03-25 | Method for carrying out bar code and code scanning payment by using POS machine |
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| CN111383010A true CN111383010A (en) | 2020-07-07 |
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| CN202010215569.5A Pending CN111383010A (en) | 2020-03-25 | 2020-03-25 | Method for carrying out bar code and code scanning payment by using POS machine |
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Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN112200984A (en) * | 2020-10-10 | 2021-01-08 | 中国工商银行股份有限公司 | Code scanning payment equipment and method |
| CN112633872A (en) * | 2020-11-20 | 2021-04-09 | 建信金融科技有限责任公司 | Overseas aggregated two-dimensional code payment method, device, server and storage medium |
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Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
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Application publication date: 20200707 |