CN111553678A - Two-dimensional code payment method and system based on mobile phone business card - Google Patents

Two-dimensional code payment method and system based on mobile phone business card Download PDF

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Publication number
CN111553678A
CN111553678A CN202010076050.3A CN202010076050A CN111553678A CN 111553678 A CN111553678 A CN 111553678A CN 202010076050 A CN202010076050 A CN 202010076050A CN 111553678 A CN111553678 A CN 111553678A
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China
Prior art keywords
mobile phone
business card
payment
code
token
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Granted
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CN202010076050.3A
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Chinese (zh)
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CN111553678B (en
Inventor
王钰
蒋海俭
王瑞明
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China Unionpay Co Ltd
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China Unionpay Co Ltd
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Priority to CN202010076050.3A priority Critical patent/CN111553678B/en
Priority to PCT/CN2020/107313 priority patent/WO2021147296A1/en
Publication of CN111553678A publication Critical patent/CN111553678A/en
Priority to TW109130161A priority patent/TWI748630B/en
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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
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3229—Use of the SIM of a M-device as secure element
    • 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
    • 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
    • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes

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

Abstract

The invention relates to a two-dimensional code payment method and a two-dimensional code payment system based on a mobile phone business card. The method is realized by a payment system and a mobile phone business card system, and comprises the following steps: a request receiving step; a mapping establishing step; a distribution step; an account number obtaining step; and a binding step. Therefore, the binding of the bank card information and the user business card can be realized. Compared with the traditional two-dimensional code binding opening, the two-dimensional code payment method based on the mobile phone business card and the two-dimensional code payment system based on the mobile phone business card do not need a user to download a client and input bank card information, so that the operation time of the user is greatly reduced, the binding threshold is reduced, and the use will be promoted.

Description

Two-dimensional code payment method and system based on mobile phone business card
Technical Field
The invention relates to a computer technology, in particular to a two-dimensional code payment method based on a mobile phone business card and a two-dimensional code payment system based on the mobile phone business card.
Background
Generally, when the mobile phone realizes account two-dimension code payment, a mobile phone client for supporting payment needs to be downloaded and installed, a two-dimension code payment function needs to be bound in the client before payment, and the client needs to be opened during use. The whole process requires certain operation and time, and specifically, the general current two-dimensional code scanned transaction technology for mobile phones includes: the method comprises three processes of binding and opening the card at the client, applying for the two-dimension code and accepting the two-dimension code.
1. Client binding card opening process
When the mobile phone is used for the first time, a user binds a card to open a two-dimension code service by installing a mobile phone client supporting two-dimension code transaction. The user use flow is as follows:
1) a user downloads and installs a mobile phone client supporting two-dimensional code transaction;
2) registering or inputting account information in the client and logging in the client; and
3) and inputting the information of the bank card, finishing binding and opening the two-dimensional code payment service.
2. Two-dimension code application process
After the mobile phone is opened, the mobile phone client is opened to apply for payment of the two-dimensional code during each use. The user use flow is as follows:
1) a user opens a mobile phone client supporting the two-dimensional code on a mobile phone;
2) and clicking the scanned payment, verifying the user information or payment information, and displaying the two-dimensional code.
3. Two-dimension code acceptance process
1) The user sends the payment two-dimensional code to a cashier of the merchant;
2) and the merchant acquiring system uploads the two-dimensional code to the payment system to complete the transaction.
The following disadvantages exist in the prior art:
(1) the two-dimension code opening depends on the mobile phone client
The user needs to download the client and register the user for the first time, and certain time cost and operation cost are caused for new user to obtain the customer flow. For older users or groups of users sensitive to downloading and registration, certain experience influence is caused, or the users are lost.
(2) Dependence bank card when two-dimensional code is tied up card
When binding a card, the user needs to input information of the bank card, and usually needs to take out the bank card, so that the operation is inconvenient if the user does not carry the card. Affecting the success rate of the opening.
(3) Two-dimensional code binding card is centralized binding card processing
All the systems are connected in a central system mode, all the systems operate independently, and if a single system is abnormal, the card binding data can be disordered and the tracing is difficult.
(4) Two-dimension code application and acceptance depend on mobile phone client
The mobile phone client needs to verify user information or payment information, judge risk conditions, display the two-dimensional code and complete transaction. In the process, the safety guarantee is provided by the client, the work of user identification, data safety storage and transmission and the like is undertaken, and the realization is complex.
Disclosure of Invention
In view of the above problems, the present invention aims to provide a two-dimensional code payment method based on a mobile phone business card and a two-dimensional code payment system based on a mobile phone business card, which can simplify user operations.
The invention relates to a two-dimension code payment method based on a mobile phone business card, which is realized by a payment system and a mobile phone business card system and is characterized by comprising the following steps:
a request receiving step, in which a payment system receives a binding request, wherein the binding request comprises bank card information, a mobile phone number and equipment information;
a mapping establishing step, in which the payment system generates an account feedback code corresponding to the bank card information (the bank card information can be other account information besides the bank card information, and the bank card information is taken as an example for explanation in the following) based on the binding request, and simultaneously establishes a first mapping table of the account feedback code, the bank card information, the mobile phone number and the device information;
a distribution step, in which the payment system sends an account number feedback code to the mobile phone business card system according to the equipment information;
the method comprises the steps of account number obtaining, wherein a mobile phone business card system requests bank card information from a payment system based on an account number feedback code, and the mobile phone business card system obtains the bank card information and a mobile phone number corresponding to the account number feedback code from the payment system; and
and a binding step, in which the mobile phone business card system matches the obtained mobile phone number with a pre-stored second mapping table representing the corresponding relation between the mobile phone number and the user business card and realizes the binding of the bank card information and the user business card.
The account feedback code corresponding to the account information may not only include the system code and Token used for replacing the account information, but also include any other information form that may replace the account information, and even the account feedback code of the account information may also be the account information itself.
Optionally, after the binding step, the method further comprises:
and a two-dimension code acquisition step, wherein the mobile phone business card system sends a two-dimension code acquisition request to the payment system, the two-dimension code acquisition request comprises bank card information bound with the business card of the user, and a payment two-dimension code corresponding to the bank card information is returned from the payment system.
Optionally, after the two-dimensional code obtaining step, the method further includes:
and a two-dimension code acceptance step, wherein the mobile phone business card system pushes the acquired two-dimension code to a user, and payment acceptance based on corresponding bank card information is completed based on the two-dimension code.
Optionally, in the mapping establishing step, the payment system generates Token corresponding to the bank card information as the account feedback code based on the binding request, and generates Token refid corresponding to the Token, and at the same time, establishes a corresponding relationship among the bank card information, the Token refid, the mobile phone number, and the device information in the first mapping table;
in the distributing step, the payment system transmits the tokenRefID to the mobile phone business card system according to the equipment information,
in the account number obtaining step, the mobile phone business card system requests Token from the payment system based on the Token RefID, the mobile phone business card system obtains the Token and the mobile phone number corresponding to the Token RefID from the payment system,
in the binding step, matching is carried out based on a second mapping table, and binding of Token and the user business card is realized.
Optionally, after the binding step, the method further comprises:
and a two-dimension code acquisition step, wherein the mobile phone business card system sends a two-dimension code acquisition request to a payment system, the two-dimension code acquisition request comprises Token bound with the user business card, and a payment two-dimension code corresponding to the Token is returned from the payment system.
Optionally, after the two-dimensional code obtaining step, the method further includes:
and a two-dimension code acceptance step, wherein the mobile phone business card system pushes the acquired payment two-dimension code to the user, and payment acceptance is completed based on the payment two-dimension code.
Optionally, in the distributing step, the payment system sends the TokenRefID to the mobile phone business card system in a point-to-point manner.
Optionally, in the distributing step, the payment system sends the TokenRefID to the mobile phone business card system in a blockchain manner.
Optionally, the account number obtaining step includes the following sub-steps:
the mobile phone business card system requests Token from the payment system in a Token RefID mode in an asymmetric encryption mode;
the payment system obtains a corresponding Token and a mobile phone number according to the Token RefID and the first mapping table, encrypts the Token and the mobile phone number in an asymmetric mode and returns the encrypted Token and mobile phone number to the mobile phone business card system; and
and the mobile phone business card system decrypts the data to obtain the Token and the mobile phone number.
Optionally, the binding step comprises the following sub-steps:
the mobile phone business card system matches the obtained mobile phone number with a second mapping table;
binding the name card matched with the mobile phone number and the user with the obtained Token; and
and feeding back the binding result to the payment system.
Optionally, the two-dimensional code obtaining step includes the following sub-steps:
the mobile phone business card system checks the consistency of the SIM card number of the current equipment and the mobile phone number;
under the condition of passing the verification, initiating a two-dimensional code acquisition request to a payment system by using the Token and the mobile phone number bound by the user business card; and
and the payment system checks the consistency of the Token and the mobile phone number based on the two-dimension code acquisition request, and returns the payment two-dimension code corresponding to the Token to the mobile phone business card system under the condition of passing the check.
Optionally, in the two-dimensional code acceptance step, a mobile phone user is further set to perform auxiliary verification of verification before completing payment acceptance.
The two-dimensional code completes payment acceptance based on the corresponding bank card information.
Optionally, in the mapping establishing step, the payment system generates a system code corresponding to the bank card information as the account feedback code based on the binding request, and generates a system code feedback code corresponding to the system code, and further establishes a corresponding relationship among the bank card information, the system code feedback code, the mobile phone number, and the device information in the first mapping table;
in the distribution step, the payment system sends a system coding feedback code to the mobile phone business card system according to the equipment information,
in the account number obtaining step, the mobile phone business card system requests a system code from the payment system based on the system code feedback code, the mobile phone business card system obtains the system code and the mobile phone number corresponding to the system code feedback code from the payment system,
and in the binding step, matching is carried out based on a second mapping table, and the binding of the system code and the user business card is realized.
Optionally, after the binding step, the method further comprises:
and a two-dimension code acquisition step, wherein the mobile phone business card system sends a two-dimension code acquisition request to a payment system, the two-dimension code acquisition request comprises a system code bound with the user business card, and a payment two-dimension code corresponding to the system code is returned from the payment system.
Optionally, after the two-dimensional code obtaining step, the method further includes:
and a two-dimension code acceptance step, wherein the mobile phone business card system pushes the acquired payment two-dimension code to the user, and payment acceptance is completed based on the payment two-dimension code.
The invention relates to a two-dimensional code payment method based on a mobile phone business card, which is characterized by comprising the following steps of:
a request receiving step of receiving a binding request, wherein the binding request comprises bank card information, a mobile phone number and equipment information;
a mapping establishing step, namely generating an account feedback code corresponding to the bank card information based on the binding request, and establishing a first mapping table of the bank card information, the account feedback code, the mobile phone number and the equipment information;
a distribution step, in which the account feedback code is sent to the outside according to the equipment information;
and an account providing step of receiving a request for requesting bank card information based on an account feedback code from the outside, inquiring bank card information and a mobile phone number corresponding to the account feedback code based on the request, and sending the information to the outside.
Optionally, after the account providing step, the method further includes:
and a two-dimension code providing step of receiving a two-dimension code obtaining request from the outside, wherein the two-dimension code obtaining request comprises bank card information and a mobile phone number bound with a user business card, the user business card is bound with the bank card information based on the mobile phone number, and a payment two-dimension code is provided to the outside according to the bank card information and the mobile phone number.
Optionally, after the two-dimensional code providing step, the method further includes:
and a two-dimension code acceptance step of receiving the payment two-dimension code from the outside and completing payment acceptance based on the corresponding bank card information based on the payment two-dimension code.
Optionally, in the mapping establishing step, Token corresponding to the bank card information is generated as the account feedback code based on the binding request, and Token refid corresponding to the Token is generated, while the corresponding relationship among the bank card information, Token refid, mobile phone number and device information is further established in the first mapping table,
in the distributing step, the tokenRefID is transmitted to the outside in accordance with the device information,
in the account providing step, a request for requesting Token based on the Token refid is received from the outside, and Token and a mobile phone number corresponding to the Token refid are inquired based on the request and are sent to the outside.
Optionally, after the account providing step, the method further includes:
and a two-dimension code providing step of receiving a two-dimension code obtaining request from the outside, wherein the two-dimension code obtaining request comprises a Token and a mobile phone number bound with a user business card, the user business card is bound with the Token based on the mobile phone number, and a payment two-dimension code is provided to the outside according to the Token and the mobile phone number.
Optionally, after the two-dimensional code providing step, the method further includes:
and a two-dimension code acceptance step of receiving the payment two-dimension code from the outside and completing payment acceptance based on the payment two-dimension code.
Optionally, in the distributing step, the TokenRefID is sent to the outside in a point-to-point manner.
Optionally, in the distributing step, the TokenRefID is sent to the outside in a block chain manner.
Optionally, in the two-dimensional code acceptance step, a mobile phone user is further configured to perform auxiliary verification of verification before completing payment acceptance.
The invention discloses a two-dimensional code payment system based on a mobile phone business card, which is characterized by comprising the following components: a payment system and a mobile phone business card system,
wherein, payment system includes:
a payment core system for performing and paying functions;
a Token system for generating and managing tokens;
a block chain link point module used as a node of a block chain to realize information interaction with the mobile phone business card system,
the mobile phone business card system is used for interacting with the payment system and realizing the binding of the user business card based on Token.
Optionally, the payment core system is configured to receive a binding request, where the binding request includes bank card information, a mobile phone number, and device information,
the Token system is used for generating corresponding Token and Token RefID according to the binding request and establishing a first mapping table of bank card information, Token RefID, mobile phone number and equipment information,
the block chain node module sends the TokenRefID to a mobile phone business card system corresponding to the mobile phone brand according to the equipment information,
after the mobile phone business card system obtains the TokenRefID, the Token RefID is requested to the payment system for obtaining Token,
the Token system returns the corresponding Token and the reserved mobile phone number of the bank to the mobile phone business card system according to the request from the mobile phone business card system,
the mobile phone business card system binds the Token and the user business card based on the Token acquisition and the bank reserved mobile phone number.
Optionally, the mobile phone business card system is used for requesting a payment two-dimensional code from the payment system based on Token bound with the user business card,
the Token system generates a Token and a corresponding payment two-dimensional code according to the request from the mobile phone business card system and returns the Token and the corresponding payment two-dimensional code to the mobile phone business card system.
Optionally, the mobile phone business card system is used for providing the payment two-dimensional code to the mobile phone of the user,
the Token system obtains bank card information corresponding to the Token according to the payment two-dimensional code, and the payment core system is used for completing acceptance based on the bank card information.
Optionally, the blockchain node module sends the TokenRefID to the mobile phone business card system in a blockchain manner.
The payment system of the present invention is characterized by comprising:
a payment core system for performing and paying functions;
a Token system for generating and managing tokens; and
and the block chain link point module is used as a node of the block chain to realize information interaction with the outside.
Optionally, the payment core system is configured to receive a binding request, where the binding request includes bank card information, a mobile phone number, and device information,
the Token system is used for generating corresponding Token and Token RefID according to the binding request and establishing a first mapping table of bank card information, Token RefID, mobile phone number and equipment information,
the block chain node module sends the TokenRefID to an external mobile phone business card system corresponding to the mobile phone brand according to the equipment information,
after the mobile phone business card system obtains the TokenRefID, the Token RefID is requested to the payment system for obtaining Token,
the Token system returns the Token RefID, the corresponding Token and the bank reserved mobile phone number to the external mobile phone business card system according to a Token obtaining request based on the Token RefID from the external mobile phone business card system, wherein the Token is bound with the user business card.
Optionally, the payment core system generates a payment two-dimensional code corresponding to the Token and a payment two-dimensional code according to a request from an external mobile phone business card system.
The invention discloses a two-dimensional code payment system based on a mobile phone business card, which is characterized by comprising the following components: a payment system and a mobile phone business card system,
wherein the payment system comprises:
the payment core system is used for realizing a payment function;
the system coding system is used for realizing the generation and management of system codes; and
the block chain node module completes information interaction with the mobile phone business card system based on a block chain technology,
the mobile phone business card system is used for interacting with the payment system and binding the user business card based on the system code.
Optionally, the payment core system is configured to receive a binding request, where the binding request includes bank card information, a mobile phone number, and device information,
the system coding system is used for generating corresponding system codes and system code feedback codes according to the binding request and establishing a first mapping table of bank card information, system codes, system code feedback codes, mobile phone numbers and equipment information,
the block chain node module sends a system coding feedback code to a mobile phone business card system corresponding to the equipment information according to the equipment information,
after the mobile phone business card system obtains the system code feedback code, the system code feedback code is requested to obtain the system code from the payment system,
the system code system returns the corresponding system code and the reserved mobile phone number of the bank to the mobile phone business card system according to the request from the mobile phone business card system,
the mobile phone business card system binds the system code with the user business card based on the obtained system code and the reserved mobile phone number of the bank.
Optionally, the mobile phone business card system is used for requesting a payment two-dimensional code from the payment system based on a system code bound with the user business card,
and the payment core system generates a payment two-dimensional code corresponding to the system code according to the request from the mobile phone business card system and returns the payment two-dimensional code to the mobile phone business card system.
Optionally, the mobile phone business card system is used for providing the payment two-dimensional code to the mobile phone of the user,
the system coding system obtains bank card information corresponding to the system coding according to the payment two-dimensional code, and the payment core system is used for completing acceptance based on the bank card information.
Optionally, the block chain link point module sends the system coding feedback code to the mobile phone business card system in a block chain mode.
The payment system of the present invention is characterized by comprising:
the payment core system is used for realizing a payment function;
the system coding system is used for realizing the generation and management of system codes; and
and the block chain node module is used for finishing information interaction with an external mobile phone business card system based on a block chain technology.
Optionally, the payment core system is configured to receive a binding request, where the binding request includes bank card information, a mobile phone number, and device information,
the system coding system is used for generating corresponding system codes and system code feedback codes according to the binding request and establishing a first mapping table of bank card information, system codes, system code feedback codes, mobile phone numbers and equipment information,
the block chain node module sends a system coding feedback code to an external mobile phone business card system corresponding to the equipment information according to the equipment information,
and the system code system returns the corresponding system code and the bank reserved mobile phone number to the external mobile phone business card system according to a request from the external mobile phone business card system.
Optionally, the block chain link point module sends the system coding feedback code to an external mobile phone business card system in a block chain mode.
The computer-readable medium of the present invention, on which a computer program is stored, is characterized in that,
when being executed by a processor, the computer program realizes the two-dimensional code payment method based on the mobile phone business card.
The computer equipment comprises a storage module, a processor and a computer program which is stored on the storage module and can run on the processor, and is characterized in that the processor realizes the two-dimensional code payment method based on the mobile phone business card when executing the computer program.
Compared with the traditional two-dimensional code binding opening, the two-dimensional code payment method based on the mobile phone business card and the two-dimensional code payment system based on the mobile phone business card have the advantages that on the premise of ensuring safety, a user does not need to download a client during binding, the user does not need to input bank card information, and the user operation time is greatly shortened.
Compared with the traditional two-dimension code application and acceptance, the two-dimension code payment method based on the mobile phone business card and the two-dimension code payment system based on the mobile phone business card have the advantages that a mobile phone client does not need to be downloaded, dependence on the mobile phone client is reduced, payment can be carried out without the client, the two-dimension code transaction implementation cost is reduced, and the implementation efficiency is improved.
The two-dimensional code payment method based on the mobile phone business card and the two-dimensional code payment system based on the mobile phone business card increase the security of card binding opening, establish mutual trust between the mobile phone business card system and the payment system, traceability and non-repudiation, and strengthen transaction security and risk prevention and control through a block chain technology.
According to the two-dimensional code payment method based on the mobile phone business card and the two-dimensional code payment system based on the mobile phone business card, through the modes of comparison and verification of the mobile phone business card, the SIM mobile phone number, the reserved mobile phone number of a bank and the like, the traditional client user identification is not needed, and the systematic risk possibly caused by the traditional mobile phone client due to self reasons is avoided.
Drawings
Fig. 1 is a flowchart illustrating a two-dimensional code payment method based on a mobile phone business card according to a first embodiment of the present invention.
An exemplary diagram of a two-dimensional code display of a mobile phone business card is shown in fig. 2.
Fig. 3 is a schematic diagram illustrating a two-dimensional code declaration stage and an acceptance stage in the two-dimensional code payment method based on the mobile phone business card according to the first embodiment of the invention.
Fig. 4 is a block diagram showing a configuration of a two-dimensional code payment system based on a mobile phone business card according to a first embodiment of the present invention.
Fig. 5 is a block diagram showing a configuration of a two-dimensional code payment system based on a mobile phone business card according to a second embodiment of the present invention.
Fig. 6 is a block diagram showing a configuration of a two-dimensional code payment system based on a mobile phone business card according to a third embodiment of the present invention.
Fig. 7 is a block diagram showing a configuration of a two-dimensional code payment system based on a mobile phone business card according to a fourth embodiment of the present invention.
Detailed Description
The following description is of some of the several embodiments of the invention and is intended to provide a basic understanding of the invention. It is not intended to identify key or critical elements of the invention or to delineate the scope of the invention.
For the purposes of brevity and explanation, the principles of the present invention are described herein with reference primarily to exemplary embodiments thereof. However, those skilled in the art will readily recognize that the same principles are equally applicable to all types of mobile business card-based two-dimensional code payment methods and mobile business card-based two-dimensional code payment systems, and that these same principles, as well as any such variations, may be implemented therein without departing from the true spirit and scope of the present patent application.
Moreover, in the following description, reference is made to the accompanying drawings that illustrate certain exemplary embodiments. Electrical, mechanical, logical, and structural changes may be made to these embodiments without departing from the spirit and scope of the invention. In addition, while a feature of the invention may have been disclosed with respect to only one of several implementations/embodiments, such feature may be combined with one or more other features of the other implementations/embodiments as may be desired and/or advantageous for any given or identified function. The following description is, therefore, not to be taken in a limiting sense, and the scope of the present invention is defined by the appended claims and their equivalents.
Terms such as "comprising" and "comprises" mean that, in addition to having elements (modules) and modules directly and explicitly stated in the description and claims, the solution of the invention does not exclude the presence of other elements (modules) and modules not directly or explicitly stated.
First embodiment
First, a two-dimensional code payment method based on a mobile phone business card and a two-dimensional code payment system based on a mobile phone business card according to a first embodiment of the present invention will be described.
In the following description, the description is based on a mobile phone business card, the mobile phone is only one embodiment of the invention for easy understanding, and the mobile phone can be replaced by any form of electronic terminal.
Fig. 1 is a flowchart illustrating a two-dimensional code payment method based on a mobile phone business card according to a first embodiment of the present invention. An exemplary diagram of a two-dimensional code display of a mobile phone business card is shown in fig. 2.
The two-dimensional code payment method based on the mobile phone business card in the first embodiment can be roughly divided into three stages: the method comprises a binding card opening stage, a two-dimension code applying stage and a two-dimension code accepting stage. Next, these three stages will be described.
First, the binding card opening stage is explained.
The card binding and opening stage comprises steps S101-S105 in figure 1.
Step S101: the bank system initiates an opening to the payment system.
Specifically, when the user transacts the bank card business in various channels such as a bank branch, a mobile phone bank, an internet bank and the like, the user selects to activate the payment function of the mobile phone business card. The bank system initiates a two-dimensional code opening request of the mobile phone business card to the payment system, wherein the two-dimensional code opening request comprises information of opening a bank card (the information of the bank card can be other account information besides the information of the bank card, and the information of the bank card is taken as an example for explanation below), a mobile phone number, equipment information (for example, a user mobile phone brand) and the like. Generally, the request message encrypts and signs the information, and the payment system verifies and decrypts the information to obtain data.
Step S102: the payment system Token the bank card.
Specifically, the payment system tokenizes the bank card, generates Token (which may be called as a Token) and Token RefID (which may be called as a Token feedback identification code or a Token feedback identification code), and returns Token to the bank system. Meanwhile, a first mapping table of corresponding relations among information such as bank cards, Token RefID, mobile phone numbers, equipment information and the like is established.
Step S103: and the payment system sends the TokenRefID to the mobile phone business card system through the block chain.
Specifically, the payment system and the mobile phone business card system adopt a block chain technology of an alliance chain to carry out information interaction, and establish and strengthen mutual safety and mutual trust. The concrete mode is as follows:
(1) the payment system and each mobile phone business card system are used as member nodes of the alliance chain, and the alliance members can realize consensus through multi-center mutual trust of the block chain. Each member node corresponds to a mobile phone business card system of a certain (or a plurality of) mobile phone brands and has respective node addresses.
(2) And the payment system sends the TokenRefID to the node address of the mobile phone business card system corresponding to the equipment information (such as the mobile phone brand) according to the node address, and sends and confirms the TokenRefID on the alliance chain. And after all the nodes on the chain are confirmed, the transmission is finished. At this time, the tokenRefID belongs to a certain node (mobile phone business card system) to be identified, and all the nodes have records. The method is beneficial to tracing and defining the mobile phone business card system opened by the TokenRefID (corresponding to Token) in the future.
Step S104: the mobile phone business card system acquires Token.
The mobile phone business card system requests a payment system for Token by using Token RefID and a self public key in an asymmetric encryption mode, and attaches signature data. The payment system verifies the signature, encrypts Token and the reserved mobile phone number of the bank by using the public key of the mobile phone business card system, attaches the public key of the payment system and the signature and returns the public key and the signature to the other party. And after the mobile phone business card system checks and decrypts the signature, the Token and the bank reserved mobile phone number are obtained.
Step S105: and binding Token by the mobile phone business card system.
Specifically, the mobile phone business card system matches the user who has the same number as the reserved mobile phone number of the bank, both the mobile phone number of the business card of the user and the SIM card number of the mobile phone device in the associated mobile phone users. Binding Token with the user name card. After binding is completed, the mobile phone business card system returns a binding result to the payment system, and the payment system returns to the bank system.
Next, a two-dimensional code application stage is described.
The two-dimensional code extension stage includes step S106 in the figure.
Step S106: when a user opens (address list) my name card by using mobile phone equipment and initiates a two-dimensional code acquisition request by using a mobile phone name card system, the mobile phone name card system checks the consistency of the SIM card number of the current equipment and the reserved mobile phone number, and requests a payment two-dimensional code from a payment system by using Token bound by the name card (wherein, if one user equipment has a plurality of SIM cards, any SIM card can meet the condition).
Step S107: and the payment system receives the Token and the reserved mobile phone number sent by the mobile phone business card system, verifies the consistency of the Token and the reserved mobile phone number, and generates a payment two-dimensional code corresponding to the Token and the reserved mobile phone number and returns the payment two-dimensional code to the mobile phone business card system under the condition of successful verification.
And finally, explaining a two-dimension code acceptance stage.
The two-dimensional code acceptance stage includes step S108 in fig. 1.
Step S108: the mobile phone business card system pushes the payment two-dimensional code to user mobile phone equipment (not shown), the payment two-dimensional code is displayed in a my business card of an address book (for example, the payment two-dimensional code is displayed beside a head portrait, see fig. 2), a merchant scans the payment two-dimensional code and sends the payment two-dimensional code to the payment system through the acquiring mechanism, and the payment system obtains corresponding bank card information according to the corresponding relation between the payment two-dimensional code and Token and the reserved mobile phone number and completes acceptance.
In addition, the two-dimensional code display of the mobile phone business card shown in fig. 2 is only an example, the two-dimensional code may also be located at the lower part or other positions in the drawing, and the display mode of the two-dimensional code is not limited, and the two-dimensional code falls within the protection scope of the present invention as long as the two-dimensional code is bound with the mobile phone business card.
Fig. 3 is a schematic diagram illustrating a two-dimensional code declaration stage and an acceptance stage in the two-dimensional code payment method based on the mobile phone business card according to the first embodiment of the invention.
As shown in fig. 3, according to the two-dimensional code payment method based on mobile phone business card of the first embodiment of the present invention, when a mobile phone user sends a payment request to a mobile phone business card system, the mobile phone business card system sends the payment request (including Token and reserved mobile phone number) to a payment system, the payment system returns a payment two-dimensional code to the mobile phone business card system (wherein, the payment system generates a payment two-dimensional code corresponding to Token and reserved mobile phone number according to Token and reserved mobile phone number), the mobile phone business card system returns the payment two-dimensional code to the mobile phone user, so that on the mobile phone of the user, for example, a column of my business card displays the "payment two-dimensional code", a merchant sends a request for completing payment to the payment system by scanning the payment two-dimensional code (wherein, the payment system obtains the payment two-dimensional code, obtains corresponding bank card information according to the correspondence relationship between the payment two-dimensional code and Token and reserved mobile phone, completing payment deduction based on the bank card information).
Fig. 4 is a block diagram showing a configuration of a two-dimensional code payment system based on a mobile phone business card according to a first embodiment of the present invention.
As shown in fig. 4, the two-dimensional code payment system based on a mobile phone business card according to the first embodiment of the present invention includes: a payment system 100 and a mobile business card system 200.
Wherein, payment system 100 includes: a payment core system 110, a Token system 120, and a block link point module 130. Payment core system 110 performs various functions related to payment, and Token system 120 performs various functions related to Token generation and management. The blockchain node module 130 completes information interaction with the mobile phone business card system 200 based on the blockchain technology.
The mobile phone business card system 200 includes a plurality of mobile phone business card systems of a mobile phone business card system a, a mobile phone business card system B, and … … mobile phone business card system M. These mobile phone business card systems may be classified according to device information, for example, a plurality of mobile phone business card systems may be classified according to a brand of a mobile phone, and a plurality of mobile phone business card systems may be provided according to various device information of a type of a mobile phone host system.
The payment core system 110 is configured to receive a binding request from a bank system, where the binding request includes information of bank card information, a reserved mobile phone number, device information, and the like. The binding requests can be provided for a bank core system through a mobile phone bank, an online bank, a WeChat bank, a bank counter and the like, and the bank core system sends a request for opening the two-dimension code function of the mobile phone business card to a payment system.
The Token system 120 is configured to generate a Token and a Token refid corresponding to the binding request, and establish a mapping relationship between the bank card information (e.g., a bank card number), the Token refid, a reserved mobile phone number, and the device information (e.g., a mobile phone brand), where the mapping relationship is referred to as a first mapping table.
Further, the block link point module 130 may be considered as a part of the payment system 100 as a node of the block chain, or may be a node of the block chain representing the whole payment system 100. The TokenRefID is sent from the payment system 100 to the cell phone business card system 200 through the blockchain node module 130. Specifically, the payment system 100 itself or the block chain node module 130 and each mobile phone business card system 200 are all used as member nodes of a federation chain, and the federation members are in consensus through multi-center mutual trust of the block chain. Each member node corresponds to a mobile phone brand (or multiple mobile phone brands) mobile phone business card system and has its own node address, for example, in fig. 4, the node address of the payment node module 130 is mobile system node00, and the node addresses of the mobile phone business card system a, the mobile phone business card system B, and the … … mobile phone business card system M are mobile system node a, mobile system node B, and … … mobile system node, respectively.
The block link point module 130 sends the tokenRefID to the node address of the mobile phone business card system corresponding to the device information (for example, the mobile phone brand) according to the device information, and confirms the sending on the alliance chain, and finishes the sending after confirming all the nodes on the chain. At this time, the tokenRefID belongs to a certain node (the mobile phone business card system 200) and is commonly known, and all the nodes have records.
After the mobile phone business card system 200 obtains the Token refid, it uses an asymmetric encryption mode to request the payment system 100 for Token acquisition by the Token refid and its own public key, and attaches signature data.
The Token system of the payment system 100 verifies the signature, encrypts the Token and the bank reserved mobile phone number by using the public key of the mobile phone business card system 200, attaches the own public key and the signature, and returns the signature to the mobile phone business card system 200.
After the mobile phone business card system 200 checks and decrypts the signature, Token and the reserved mobile phone number of the bank are obtained. The mobile phone business card system 200 matches the user who has the same number as the reserved mobile phone number of the bank, and the mobile phone number and the SIM card number of the mobile phone device of the associated mobile phone user. The mobile phone business card system 200 binds Token with the user business card. After binding is completed, the mobile phone business card system 200 returns the binding result to the payment system 100, and the payment system 100 returns the result to the bank system.
When a user opens (address book) my business card by using the mobile phone device, and then initiates a two-dimensional code acquisition request by using the mobile phone business card system 200, the mobile phone business card system 200 checks the consistency of the current device SIM card number and the reserved mobile phone number, and requests the payment two-dimensional code from the payment system 100 by using Token bound by the business card when the check is passed.
In the two-dimensional code application stage, the Token system 110 of the payment system 100 receives the Token and the reserved mobile phone number sent by the mobile phone business card system, verifies the consistency between the Token and the reserved mobile phone number, and if the verification is successful, the Token system 120 of the payment system 100 generates a payment two-dimensional code corresponding to the Token and the reserved mobile phone number and returns the payment two-dimensional code to the mobile phone business card system 200.
Then, in the acceptance stage, the mobile phone business card system 200 pushes the payment two-dimensional code to one of the mobile phone user 1, the mobile phone user 2, and the mobile phone user N, and displays the payment two-dimensional code on the device of the mobile phone user, for example, in the address book "my business card", and the merchant scans the payment two-dimensional code, which can be scanned by the merchant. The merchant provides the payment two-dimensional code to the payment system 100 through the acquiring system, the Token system 120 of the payment system 100 obtains the corresponding bank card information according to the corresponding relationship between the payment two-dimensional code and Token and the reserved mobile phone number, and the payment core system 110 completes acceptance.
As described above, according to the two-dimensional code payment method based on the mobile phone business card and the two-dimensional code payment system based on the mobile phone business card of the first embodiment of the present invention, compared with the conventional two-dimensional code binding opening, on the premise of ensuring safety, the user does not need to download the client during the card binding work, and does not need to input bank card information, thereby greatly reducing the user operation time, lowering the card binding threshold, and improving the use will.
Further, compared with the traditional two-dimension code application and acceptance, the two-dimension code payment method based on the mobile phone business card does not need to download a mobile phone client, reduces the dependence on the mobile phone client, can pay without the client, can reduce the implementation cost of two-dimension code transaction, and improves the implementation efficiency.
Further, according to the two-dimensional code payment method based on the mobile phone business card and the two-dimensional code payment system based on the mobile phone business card in the first embodiment of the invention, by using the block chain technology, the security of card binding opening is increased, mutual trust between the mobile phone business card system and the payment system is established, and traceability and non-repudiation are established, so that transaction security and risk prevention and control are enhanced.
Still further, according to the mobile phone business card-based two-dimensional code payment method and the mobile phone business card-based two-dimensional code payment system of the first embodiment of the invention, through comparison and verification of the mobile phone business card, the SIM mobile phone number, the bank reserved mobile phone number and the like, traditional client user identification is not needed, and systematic risks possibly caused by self reasons of the traditional mobile phone client are avoided.
Second embodiment next, a two-dimensional code payment method based on a mobile phone business card and a two-dimensional code payment system based on a mobile phone business card according to a second embodiment of the present invention will be described.
The difference between the two-dimensional code payment method based on the mobile phone business card and the two-dimensional code payment system based on the mobile phone business card in the second embodiment and the first embodiment is that a technology of Token-based bank card information is not adopted, but system codes are used for replacing Token, and system code feedback codes are used for replacing tokenRefID.
Although the Token technology is not used in the second embodiment, the main flow is the same as the flow shown in fig. 1, and therefore, the two-dimensional code payment method by the mobile phone business card according to the second embodiment will be described here with reference to fig. 1.
Similarly, the two-dimensional code payment method based on the mobile phone business card of the second embodiment is also divided into three stages: the method comprises a binding card opening stage, a two-dimension code applying stage and a two-dimension code accepting stage.
First, the binding card opening stage is explained.
The card binding and opening stage comprises steps S101-S105 in figure 1.
Step S101: an opening is initiated from the banking system to the payment system.
Specifically, when the user transacts the bank card business in various channels such as a bank branch, a mobile phone bank, an internet bank and the like, the user selects to activate the payment function of the mobile phone business card. The bank system initiates a mobile phone business card two-dimensional code opening request to the payment system, wherein the request comprises opening a bank card, reserving a mobile phone number, a user mobile phone brand and the like.
Step S102: the payment system encodes the bank card.
Specifically, the payment system encodes the bank card, generates a system code and a system code feedback code, and returns the system code to the bank system. Meanwhile, a first mapping table of information such as bank cards, system codes, system code feedback codes, reserved mobile phone numbers, mobile phone brands and the like is established.
Step S103: and the payment system sends a system code feedback code to the mobile phone business card system through the block chain.
Step S104: and the mobile phone business card system acquires a system code.
The mobile phone business card system uses an asymmetric encryption mode, requests a payment system to obtain a system code by a system code feedback code and a self public key, and attaches signature data. The payment system verifies the signature, encrypts the system code and the bank reserved mobile phone number by using the public key of the mobile phone business card system, attaches the public key of the payment system and the signature and returns the signature to the other party. And after the mobile phone business card system checks and decrypts the signature, the system code and the bank reserved mobile phone number are obtained.
Step S105: and binding system codes by the mobile phone business card system.
Specifically, the mobile phone business card system matches users who have the same business card number and mobile phone SIM card number as the reserved mobile phone number of the bank among the related mobile phone users. And binding the system code with the user business card. After binding is completed, the mobile phone business card system returns a binding result to the payment system, and the payment system returns to the bank system.
Next, a two-dimensional code application stage is described.
Step S106: when a user opens (an address book) my name card by using mobile phone equipment and initiates a two-dimensional code acquisition request by using a mobile phone name card system, the mobile phone name card system checks the consistency of the SIM card number of the current equipment and the reserved mobile phone number, and requests a payment two-dimensional code from a payment system by using a system code bound by the name card.
Step S107: and the payment system receives the system code and the reserved mobile phone number sent by the mobile phone business card system, verifies the consistency of the system code and the reserved mobile phone number, and generates a payment two-dimensional code corresponding to the system code and the reserved mobile phone number and returns the payment two-dimensional code to the mobile phone business card system under the condition of successful verification.
And finally, explaining a two-dimension code acceptance stage.
Step S108: the mobile phone business card system pushes the payment two-dimensional code to user mobile phone equipment (not shown), the payment two-dimensional code is displayed in the my business card of the address book, a merchant scans the payment two-dimensional code and sends the payment two-dimensional code to a payment system through an acquiring mechanism, and the payment system obtains corresponding bank card information according to the corresponding relation between the payment two-dimensional code and a system code and a reserved mobile phone number and completes acceptance.
According to the two-dimension code payment method based on the mobile phone business card of the second embodiment of the invention, when a mobile phone user sends a payment request to a mobile phone business card system, the mobile phone business card system sends the payment request (comprising a system code and a reserved mobile phone number) to a payment system, the payment system returns a payment two-dimension code to the mobile phone business card system (wherein, the payment system generates a payment two-dimension code corresponding to the system code and the reserved mobile phone number according to the system code and the reserved mobile phone number), the mobile phone business card system returns the payment two-dimension code to the mobile phone user, so that on the mobile phone of the user, for example, a column of my business card displays the 'payment two-dimension code', a merchant sends a request for completing payment to the payment system after scanning the payment two-dimension code (wherein, the payment system obtains the payment two-dimension code, obtains corresponding bank card information according to the corresponding relationship between the, completing payment deduction based on the bank card information).
Fig. 5 is a block diagram showing a configuration of a two-dimensional code payment system based on a mobile phone business card according to a second embodiment of the present invention.
As shown in fig. 5, a two-dimensional code payment system based on a mobile phone business card according to a second embodiment of the present invention includes: a payment system 300 and a cell phone business card system 400.
Wherein, payment system 300 includes: a payment core system 310, a system coding system 320, and a block link point module 330. The payment core system 310 performs various functions related to payment, and the system code system 320 performs various functions related to generation and management of system codes. The blockchain node module 330 completes information interaction with the mobile phone business card system 400 based on the blockchain technology.
The mobile phone business card system 400 includes a plurality of mobile phone business card systems, such as the mobile phone business card system a, the mobile phone business card system B, and the … … mobile phone business card system M shown in fig. 5. These mobile phone business card systems may be classified according to device information, for example, a plurality of mobile phone business card systems may be classified according to a brand of a mobile phone, and a plurality of mobile phone business card systems may be provided according to various device information of a type of a mobile phone host system.
The payment core system 310 is configured to receive a binding request from a bank system, where the binding request includes information such as bank card information, a reserved mobile phone number, and device information. The binding requests can be provided for a bank core system through a mobile phone bank, an online bank, a WeChat bank, a bank counter and the like, and the bank core system sends a request for opening the two-dimension code function of the mobile phone business card to a payment system.
The system code system 320 is configured to generate a corresponding system code and a system code feedback code according to the binding request, and establish a mapping relationship between the bank card information (e.g., a bank card number), the system code feedback code, the reserved mobile phone number, and the device information (e.g., a mobile phone brand).
Further, the blockchain link point module 330 may be considered as a part of the payment system 300 and as a node of the blockchain, or may represent the payment system 300 as a node of the blockchain as a whole. The system code feedback code is sent from the payment system 300 to the cell phone business card system 400 through the blockchain node module 330. Specifically, the payment system 300 itself or the block chain node module 330, and each mobile phone business card system 400 are all used as member nodes of a federation chain, and the federation members are in consensus through multi-center mutual trust of the block chain. Each member node corresponds to a mobile phone business card system of a certain (or a plurality of) mobile phone brands and has respective node addresses.
The block link point module 330 sends the system coding feedback code to the node address of the mobile phone business card system corresponding to the mobile phone brand according to the equipment information, and sends and confirms on the alliance chain, and after confirming all the nodes on the chain, the sending is completed. At this time, the system code feedback code belongs to a certain node (the mobile phone business card system 400) and is identified, and all the nodes have records.
After the mobile phone business card system 400 obtains the system code feedback code, the system code feedback code and the self public key are used for requesting the payment system 300 to obtain the system code in an asymmetric encryption mode, and the signature data is attached.
The system code system of the payment system 300 verifies the signature, encrypts the system code and the bank reserved mobile phone number by using the public key of the mobile phone business card system 400, attaches the public key of the system code and the signature, and returns the signature to the mobile phone business card system 400.
After the mobile phone business card system 400 checks and decrypts the signature, the system code and the bank reserved mobile phone number are obtained. The mobile phone business card system 400 matches the user who has the same number as the reserved mobile phone number of the bank, and the mobile phone number and the SIM number of the mobile phone device are matched with the business card of the associated mobile phone user. The mobile phone business card system 400 binds the system code with the user business card. After binding is completed, the mobile phone business card system 400 returns the binding result to the payment system 300, and the payment system 300 returns the result to the bank system.
When a user opens (address book) my business card by using the mobile phone device, and a two-dimensional code acquisition request is sent by using the mobile phone business card system 400, the mobile phone business card system 400 verifies the consistency of the SIM card number of the current device and the reserved mobile phone number, and requests the payment two-dimensional code from the payment system 300 by using the system code bound by the business card when the verification is passed.
In the two-dimension code application stage, the system coding system 310 of the payment system 300 receives the system code and the reserved mobile phone number of the mobile phone business card system 400, the consistency of the system code and the reserved mobile phone number is verified, and under the condition that the verification is successful, the system coding system 320 of the payment system 300 generates a payment two-dimension code corresponding to the system code and the reserved mobile phone number and returns the payment two-dimension code to the mobile phone business card system 400.
In the acceptance phase, the mobile phone business card system 400 pushes the payment two-dimensional code to the mobile phone user, and the payment two-dimensional code is displayed on the mobile phone user's device, for example, in the address book "my business card", and the merchant scans the payment two-dimensional code, which can be scanned by the merchant. The merchant provides the payment two-dimensional code to the payment system 300 through the acquiring system, the system coding system 320 of the payment system 300 obtains corresponding bank card information according to the corresponding relation between the payment two-dimensional code and the system code and the reserved mobile phone number, and the payment core system 310 completes acceptance based on the bank card information.
As described above, according to the two-dimensional code payment method based on the mobile phone business card and the two-dimensional code payment system based on the mobile phone business card according to the second embodiment of the present invention, compared with the conventional two-dimensional code binding opening, safety can be ensured by converting bank card information into system code.
Further, compared with the traditional two-dimension code application and acceptance, the two-dimension code payment method based on the mobile phone business card according to the second embodiment of the invention does not need to download a mobile phone client, reduces the dependence on the mobile phone client, can pay without the client, can reduce the implementation cost of two-dimension code transaction and improve the implementation efficiency.
Further, according to the two-dimensional code payment method based on the mobile phone business card and the two-dimensional code payment system based on the mobile phone business card in the second embodiment of the invention, by using the block chain technology, the security of card binding opening is increased, mutual trust between the mobile phone business card system and the payment system is established, and traceability and non-repudiation are established, so that transaction security and risk prevention and control are enhanced.
Still further, according to the two-dimensional code payment method based on the mobile phone business card and the two-dimensional code payment system based on the mobile phone business card in the second embodiment of the invention, through comparison and verification of the mobile phone business card, the SIM mobile phone number, the bank reserved mobile phone number and other modes, traditional client user identification is not needed, and systematic risks possibly caused by self reasons of the traditional mobile phone client are avoided.
Third embodiment
Next, a two-dimensional code payment method based on a mobile phone business card and a two-dimensional code payment system based on a mobile phone business card according to a third embodiment of the present invention will be described.
The difference between the two-dimensional code payment method based on the mobile phone business card and the two-dimensional code payment system based on the mobile phone business card in the third embodiment and the first embodiment is that the bank card information does not need to be Token, but the bank card information is directly used for the subsequent process.
Although the Token technology is not used in the third embodiment, the main flow is the same as the flow shown in fig. 1, and therefore, the two-dimensional code payment method by the mobile phone business card according to the third embodiment will be described here with reference to fig. 1.
Similarly, the two-dimensional code payment method based on the mobile phone business card of the third embodiment is also divided into three stages: the method comprises a binding card opening stage, a two-dimension code applying stage and a two-dimension code accepting stage.
First, the binding card opening stage is explained.
The card binding and opening stage comprises steps S101-S105 in figure 1.
Step S101: an opening is initiated from the banking system to the payment system.
Specifically, when the user transacts the bank card business in various channels such as a bank branch, a mobile phone bank, an internet bank and the like, the user selects to activate the payment function of the mobile phone business card. The bank system initiates a mobile phone business card two-dimensional code opening request to the payment system, wherein the request comprises information of opening a bank card, a reserved mobile phone number, a user mobile phone brand and the like.
Step S102: the payment system generates a bank card feedback code corresponding to the bank card information according to the opening request, and stores a first mapping table of corresponding relations among the bank card information, the bank card feedback code, the reserved mobile phone number and the mobile phone brand.
Step S103: and the payment system sends a bank card feedback code to the mobile phone business card system through the block chain.
Step S104: the mobile phone business card system acquires bank card information.
The mobile phone business card system uses an asymmetric encryption mode, requests a payment system to obtain bank card information through a bank card feedback code and a self public key, and attaches signature data. The payment system verifies the signature, uses the public key of the mobile phone business card system to encrypt the bank card information and the reserved mobile phone number of the bank, attaches the public key of the payment system and the signature and returns the signature to the mobile phone business card system. And after the mobile phone business card system checks and decrypts the signature, the information of the bank card and the reserved mobile phone number of the bank are obtained.
Step S105: the mobile phone business card system binds bank card information.
Specifically, the mobile phone business card system matches users who have the same business card number and mobile phone SIM card number as the reserved mobile phone number of the bank among the related mobile phone users. And binding the information of the bank card with the user business card. After binding is completed, the mobile phone business card system returns a binding result to the payment system, and the payment system returns to the bank system.
Next, a two-dimensional code application stage is described.
Step S106: when a user opens (an address book) my business card by using mobile phone equipment and initiates a two-dimensional code acquisition request by using a mobile phone business card system, the mobile phone business card system checks the consistency of the SIM card number of the current equipment and the reserved mobile phone number, and requests a payment two-dimensional code from a payment system by using bank card information bound by the business card.
Step S107: and the payment system receives the bank card information and the reserved mobile phone number sent by the mobile phone business card system, verifies the consistency of the bank card information and the reserved mobile phone number, and generates a payment two-dimensional code corresponding to the bank card information and the reserved mobile phone number and returns the payment two-dimensional code to the mobile phone business card system under the condition of successful verification.
And finally, explaining a two-dimension code acceptance stage.
Step S108: the mobile phone business card system pushes the payment two-dimensional code to user mobile phone equipment (not shown), the payment two-dimensional code is displayed in the my business card of the address book, a merchant scans the payment two-dimensional code and sends the payment two-dimensional code to the payment system through the bill receiving mechanism, and the payment system obtains corresponding bank card information according to the corresponding relation between the payment two-dimensional code and the bank card information and the reserved mobile phone number and completes acceptance.
According to the two-dimensional code payment method based on the mobile phone business card of the third embodiment of the invention, when a mobile phone user sends a payment request to a mobile phone business card system, the mobile phone business card system sends the payment request (comprising bank card information and a reserved mobile phone number) to a payment system, the payment system returns a payment two-dimensional code to the mobile phone business card system (wherein, the payment system generates a payment two-dimensional code corresponding to the bank card information and the reserved mobile phone number according to the bank card information and the reserved mobile phone number), the mobile phone business card system returns the payment two-dimensional code to the mobile phone user, so that, for example, a 'payment two-dimensional code' is displayed on a column of the my business card on the mobile phone of the user, a merchant sends a request for completing payment to the payment system after scanning the payment two-dimensional code (wherein, the payment system obtains the payment two-dimensional code, obtains corresponding bank card information according to the corresponding relationship, completing payment deduction based on the bank card information).
Fig. 6 is a block diagram showing a configuration of a two-dimensional code payment system based on a mobile phone business card according to a third embodiment of the present invention.
As shown in fig. 6, the two-dimensional code payment system based on a mobile phone business card according to the first embodiment of the present invention includes: a payment system 500 and a mobile business card system 600.
Wherein, payment system 500 includes: a pay core system 510 and a block link point module 520. The payment core system 510 performs various functions related to payment and various management functions related to bank card information. The blockchain node module 520 completes information interaction with the mobile phone business card system 600 based on the blockchain technology.
The mobile phone business card system 600 includes a plurality of mobile phone business card systems, such as the mobile phone business card system a, the mobile phone business card system B, and the … … mobile phone business card system M shown in fig. 6. These mobile phone business card systems may be classified according to device information, for example, a plurality of mobile phone business card systems may be classified according to a brand of a mobile phone, and a plurality of mobile phone business card systems may be provided according to various device information of a type of a mobile phone host system. Here, the mobile phone business card system 600 may be configured to correspond to various mobile phone devices of one brand or a plurality of brands.
The payment core system 510 is configured to receive a binding request from a bank system, where the binding request includes information such as bank card information, a reserved mobile phone number, and device information.
The payment core system 510 is configured to generate a bank card feedback code of corresponding bank card information according to the binding request, and establish a mapping relationship between the bank card information (e.g., a bank card number), the bank card feedback code, a reserved mobile phone number, and device information (e.g., a mobile phone brand).
Further, the block link point module 520 may be considered as part of the payment system 500 or may be a node of a block chain representing the entirety of the payment system 500. Bank card feedback codes are sent from the payment system 500 to the cell phone business card system 600 through the blockchain node module 520. Specifically, the payment system 500 itself or the block chain node module 520 and each mobile phone business card system 600 are all used as member nodes of a federation chain, and the federation members are in consensus through multi-center mutual trust of the block chain. Each member node corresponds to a mobile phone business card system of a certain (or a plurality of) mobile phone brands and has respective node addresses.
The block link point module 520 sends the bank card feedback code to the node address of the mobile phone business card system corresponding to the mobile phone brand according to the equipment information, and sends and confirms on the alliance chain, and after confirming all the nodes on the chain, the sending is completed. At this time, the bank card feedback code belongs to a certain node (the mobile phone business card system 600) to be identified, and all the nodes have records.
After the mobile phone business card system 600 obtains the bank card feedback code, it uses the asymmetric encryption mode to request the payment system 500 to obtain the bank card information by the bank card feedback code and its own public key, and attaches the signature data.
The bank card information system of the payment system 500 verifies the signature, encrypts the bank card information and the reserved mobile phone number using the public key of the mobile phone business card system 600, attaches the own public key and the signature, and returns the signature to the mobile phone business card system 600.
After the mobile phone business card system 600 performs signature verification and decryption, bank card information and a reserved mobile phone number are obtained. The mobile phone business card system 600 matches the user who has the same number as the reserved mobile phone number, both of which are the business card number of the associated mobile phone user and the SIM card number of the mobile phone device. The mobile phone business card system 600 binds the bank card information with the user business card. After binding is completed, the mobile phone business card system 600 returns the binding result to the payment system 500, and the payment system 500 returns the result to the bank system.
When a user opens (address book) my business card by using the mobile phone device, and a two-dimensional code acquisition request is sent by using the mobile phone business card system 600, the mobile phone business card system 600 checks the consistency of the SIM card number of the current device and the reserved mobile phone number, and requests the payment two-dimensional code from the payment system 500 by using the bank card information bound by the business card under the condition that the check is passed.
In the two-dimension code application stage, the payment system 500 receives the bank card information and the reserved mobile phone number of the mobile phone business card system 600, checks the consistency of the bank card information and the reserved mobile phone number, and if the check is successful, the payment system 500 generates a payment two-dimension code corresponding to the bank card information and the reserved mobile phone number and returns the payment two-dimension code to the mobile phone business card system 600.
In the acceptance phase, the mobile phone business card system 600 pushes the payment two-dimensional code to the mobile phone user, and the payment two-dimensional code is displayed on the mobile phone user's device, for example, in the address book "my business card", and the merchant scans the payment two-dimensional code, which can be scanned by the merchant. The merchant provides the payment two-dimensional code to the payment system 500 through the acquiring system, the payment system 500 obtains corresponding bank card information according to the corresponding relation between the payment two-dimensional code and the bank card information as well as the reserved mobile phone number, and the payment core system 510 completes acceptance based on the bank card information.
As described above, according to the two-dimensional code payment method based on a mobile phone business card and the two-dimensional code payment system based on a mobile phone business card according to the third embodiment of the present invention, the user does not need to download the client and input the bank card information, so that the user operation time is greatly reduced, the card binding threshold is reduced, and the use will is improved.
Further, compared with the traditional two-dimension code application and acceptance, the two-dimension code payment method based on the mobile phone business card according to the third embodiment of the invention does not need to download a mobile phone client, reduces the dependence on the mobile phone client, can pay without the client, can reduce the implementation cost of two-dimension code transaction and improve the implementation efficiency.
Further, according to the two-dimensional code payment method based on the mobile phone business card and the two-dimensional code payment system based on the mobile phone business card in the third embodiment of the invention, by using the block chain technology, the security of card binding opening is increased, mutual trust between the mobile phone business card system and the payment system is established, and traceability and non-repudiation are established, so that transaction security and risk prevention and control are enhanced.
Still further, according to the two-dimensional code payment method based on the mobile phone business card and the two-dimensional code payment system based on the mobile phone business card in the third embodiment of the invention, through comparison and verification of the mobile phone business card, the SIM mobile phone number, the bank reserved mobile phone number and other modes, traditional client user identification is not needed, and systematic risks possibly caused by self reasons of the traditional mobile phone client are avoided.
Fourth embodiment a two-dimensional code payment method based on a mobile phone business card and a two-dimensional code payment system based on a mobile phone business card of the fourth embodiment are different from the fourth embodiment in that the payment core system 710 of the fourth embodiment does not exist separately, but the payment core system itself in the payment system has Token management capability and can perform the actions of the payment core system 710 of the fourth embodiment.
Although the Token system is not separately provided in the fourth embodiment, the main flow is basically the same as the flow shown in fig. 1, and the description thereof is omitted here.
Fig. 7 is a block diagram showing a configuration of a two-dimensional code payment system based on a mobile phone business card according to a fourth embodiment of the present invention.
As shown in fig. 7, a two-dimensional code payment system based on a mobile phone business card according to a fourth embodiment of the present invention includes: a payment system 700 and a cell phone business card system 800.
Wherein, payment system 700 includes: a pay core system 710 and a block link point module 720.
The payment core system 710 performs various functions related to payment and various functions related to generation and management of Token. The blockchain node module 720 completes information interaction with the mobile phone business card system 800 based on the blockchain technology.
The mobile phone business card system 800 includes a plurality of mobile phone business card systems of a mobile phone business card system a, a mobile phone business card system B, and … … mobile phone business card system M. These mobile phone business card systems may be classified according to device information, for example, a plurality of mobile phone business card systems may be classified according to a brand of a mobile phone, and a plurality of mobile phone business card systems may be provided according to various device information of a type of a mobile phone host system.
The payment core system 710 is configured to receive a binding request from a bank system, where the binding request includes information such as bank card information, a reserved mobile phone number, and device information. The binding requests can be provided for a bank core system through a mobile phone bank, an online bank, a WeChat bank, a bank counter and the like, and the bank core system sends a request for opening the two-dimension code function of the mobile phone business card to a payment system.
The payment core system 710 is configured to generate a corresponding Token and Token refid according to the binding request, and establish a mapping relationship between the bank card information (e.g., a bank card number), the Token refid, the reserved mobile phone number, and the device information (e.g., a mobile phone brand), where the mapping relationship is referred to as a first mapping table.
Further, the block link point module 720 may be considered as a part of the payment system 700 as a node of the block chain, or may be a node of the block chain representing the whole payment system 700. TokenRefID is sent from the payment system 700 to the cell phone business card system 800 through the blockchain node module 720. Specifically, the block chain node module 720 of the payment system 700 and each mobile phone business card system 800 are all used as member nodes of a federation chain, and the federation members mutually recognize through multi-center mutual trust of the block chain. Each time
The block link point module 720 sends tokenRefID to the node address of the mobile business card system corresponding to the mobile brand according to the equipment information, and sends confirmation on the alliance chain, and the sending is completed after all the nodes on the chain are confirmed. At this time, the tokenRefID belongs to a certain node (the mobile phone business card system 800) and is commonly known, and all the nodes have records.
After the mobile phone business card system 800 obtains the Token refid, it uses an asymmetric encryption mode to request the payment system 700 for Token acquisition by the Token refid and its own public key, and attaches signature data.
The payment core system 710 verifies the signature, encrypts Token and the bank reserved mobile phone number by using the public key of the mobile phone business card system 800, attaches the public key and the signature, and returns the signature to the mobile phone business card system 800.
After the mobile phone business card system 800 checks and decrypts the signature, Token and the reserved mobile phone number of the bank are obtained. The mobile phone business card system 800 matches the related mobile phone user business card with the same number as the reserved mobile phone number of the bank. The mobile phone business card system 800 binds Token with the user business card. After binding is completed, the mobile phone business card system 800 returns the binding result to the payment system 700, and the payment system 700 returns the result to the bank system.
When a user opens (address book) my business card by using the mobile phone device, and a two-dimensional code acquisition request is initiated by using the mobile phone business card system 800, the mobile phone business card system 800 checks the consistency of the SIM card number of the current device and the reserved mobile phone number, and requests the payment two-dimensional code from the payment system 700 by using the Token bound by the business card when the check is passed.
In the two-dimension code application stage, the payment core system 710 receives Token and the reserved mobile phone number sent by the mobile phone business card system, verifies the consistency of Token and the reserved mobile phone number, and if the verification is successful, the payment core system 710 generates a payment two-dimension code corresponding to the Token and the reserved mobile phone number and returns the payment two-dimension code to the mobile phone business card system 800.
Then, in the acceptance phase, the mobile phone business card system 800 pushes the payment two-dimensional code to one of the mobile phone user 1, the mobile phone user 2, and the mobile phone user N, and displays the payment two-dimensional code on the device of the mobile phone user, for example, in the address book "my business card", and the merchant scans the payment two-dimensional code, which can be scanned by the merchant. The merchant provides the payment two-dimensional code to the payment system 700 through the acquiring system, the payment core system 710 obtains corresponding bank card information according to the corresponding relationship between the payment two-dimensional code and Token and the reserved mobile phone number, and the payment core system 710 completes acceptance.
As described above, according to the two-dimensional code payment method based on a mobile phone business card and the two-dimensional code payment system based on a mobile phone business card in the fourth embodiment of the present invention, compared with the conventional two-dimensional code binding activation, on the premise of ensuring safety, the user does not need to download a client during the card binding work, and does not need to input bank card information, thereby greatly reducing the user operation time, lowering the card binding threshold, and improving the use will.
Further, compared with the traditional two-dimension code application and acceptance, the two-dimension code payment method based on the mobile phone business card according to the fourth embodiment of the invention does not need to download a mobile phone client, reduces the dependence on the mobile phone client, can pay without the client, can reduce the implementation cost of two-dimension code transaction, and improves the implementation efficiency.
Further, according to the two-dimensional code payment method based on the mobile phone business card and the two-dimensional code payment system based on the mobile phone business card in the fourth embodiment of the invention, by using the block chain technology, the security of card binding opening is increased, mutual trust between the mobile phone business card system and the payment system is established, and traceability and non-repudiation are established, so that transaction security and risk prevention and control are enhanced.
Still further, according to the two-dimensional code payment method based on the mobile phone business card and the two-dimensional code payment system based on the mobile phone business card in the fourth embodiment of the invention, through comparison and verification of the mobile phone business card, the SIM mobile phone number, the bank reserved mobile phone number and other modes, traditional client user identification is not needed, and systematic risks possibly caused by self reasons of the traditional mobile phone client are avoided.
Furthermore, according to the two-dimensional code payment method based on the mobile phone business card and the two-dimensional code payment system based on the mobile phone business card in the fourth embodiment of the invention, for the payment system, the Token system does not need to be separately arranged, as long as the payment core system itself can have the ability of producing and managing tokens.
Modifications of the above embodiment will be made below, and modifications 1 to 3 will be described briefly.
Modification 1 in the two-dimensional code payment method based on a mobile phone business card and the two-dimensional code payment system based on a mobile phone business card of the first to fourth embodiments, a block chain technique is used to realize information interaction between the payment system and the mobile phone business card system, and as a modification, a point-to-point transmission manner may be used instead of the block chain technique. In this way, the security of the data can also be ensured.
Modification 2 in the two-dimensional code payment method based on a mobile phone business card and the two-dimensional code payment system based on a mobile phone business card according to the first to fourth embodiments, the mobile phone business card system may be configured to perform additional auxiliary verification, such as fingerprint verification, face verification, password verification, and the like, on a user before displaying a two-dimensional code in a two-dimensional code acceptance process.
Modification 3 in the card binding and opening stage, in addition to binding bank card information, a reserved mobile phone number, and a user mobile phone brand, auxiliary verification information, such as a name, an identification number, an address, and the like, may be added.
This can further improve the security of payment.
In addition, in the card binding and opening stage, the binding relationship between other security elements such as mobile phone equipment information and Token can be further increased, so that the payment security can be further improved, and more wind control guarantees can be provided.
Modification example 4
In the above embodiment, in the process of acquiring the bank card information by the mobile phone business card system, the mobile phone business card system uses an asymmetric encryption mode, requests the payment system to acquire the bank card information by using the bank card feedback code and the self public key, and attaches the signature data. The payment system verifies the signature, uses the public key of the mobile phone business card system to encrypt the bank card information and the reserved mobile phone number of the bank, attaches the public key of the payment system and the signature and returns the signature to the mobile phone business card system. Besides the public key exchange mode, the payment system and the mobile phone business card system can be set to be developed in other forms of appointment in advance.
The invention also provides a computer readable medium, on which a computer program is stored, and the computer program realizes the above two-dimensional code payment method based on the mobile phone business card when being executed by a processor.
The invention also provides computer equipment which comprises a storage module, a processor and a computer program which is stored on the storage module and can run on the processor, wherein the processor realizes the two-dimensional code payment method based on the mobile phone business card when executing the computer program.
The above examples mainly illustrate the two-dimensional code payment method based on the mobile phone business card and the two-dimensional code payment system based on the mobile phone business card of the invention. Although only a few embodiments of the present invention have been described in detail, those skilled in the art will appreciate that the present invention may be embodied in many other forms without departing from the spirit or scope thereof. Accordingly, the present examples and embodiments are to be considered as illustrative and not restrictive, and various modifications and substitutions may be made therein without departing from the spirit and scope of the present invention as defined by the appended claims.

Claims (34)

1. A two-dimension code payment method based on mobile phone business cards is realized by a payment system and a mobile phone business card system, and is characterized by comprising the following steps:
a two-dimension code acquisition step, wherein the mobile phone business card system sends a two-dimension code acquisition request to a payment system, wherein the two-dimension code acquisition request comprises account information bound with the mobile phone business card, and a payment two-dimension code corresponding to the account information is returned from the payment system; and
in the two-dimension code acceptance step, the mobile phone business card system pushes the acquired payment two-dimension code to the user, the payment acceptance based on the corresponding account information is completed based on the payment two-dimension code,
the payment system generates an account feedback code corresponding to account information and simultaneously establishes a first mapping table of the account feedback code, the account information, the mobile phone number and the equipment information, and the mobile phone business card system realizes the binding of the account information and the mobile phone business card based on the mobile phone number and a pre-stored second mapping table representing the corresponding relation between the mobile phone number and the mobile phone business card through the interaction with the payment system.
2. The two-dimensional code payment method based on mobile phone business cards as claimed in claim 1, wherein before the two-dimensional code obtaining step, the method comprises:
a request receiving step, in which a payment system receives a binding request, wherein the binding request comprises account information, a mobile phone number and equipment information;
in the mapping establishing step, the payment system generates an account feedback code corresponding to the account information based on the binding request, and simultaneously establishes a first mapping table of the account feedback code, the account information, the mobile phone number and the equipment information;
a distribution step, in which the payment system sends an account number feedback code to the mobile phone business card system according to the equipment information;
an account number obtaining step, wherein the mobile phone business card system requests account information from the payment system based on an account number feedback code, and the mobile phone business card system obtains the account information and the mobile phone number corresponding to the account number feedback code from the payment system; and
and a binding step, wherein the mobile phone business card system matches the obtained mobile phone number with a pre-stored second mapping table representing the corresponding relation between the mobile phone number and the mobile phone business card and realizes the binding of the account information and the mobile phone business card.
3. The two-dimensional code payment method based on mobile phone business card as claimed in claim 2,
in the mapping establishing step, the payment system generates a Token corresponding to account information as the account feedback code based on the binding request, generates a Token feedback identification code corresponding to the Token, and further establishes a corresponding relationship among the account information, the Token feedback identification code, the mobile phone number and the device information in the first mapping table;
in the distributing step, the payment system sends the Token feedback identification code to the mobile phone business card system according to the equipment information,
in the account number obtaining step, the mobile phone business card system requests Token from the payment system based on the Token feedback identification code, the mobile phone business card system obtains the Token and the mobile phone number corresponding to the Token feedback identification code from the payment system,
and in the binding step, matching is carried out based on a second mapping table, and binding of Token and the mobile phone business card is realized.
4. The two-dimensional code payment method based on mobile phone business card as claimed in claim 3,
in the distribution step, the payment system sends the Token feedback identification code to the mobile phone business card system in a point-to-point mode.
5. The two-dimensional code payment method based on mobile phone business card as claimed in claim 3,
in the distribution step, the payment system sends the Token feedback identification code to the mobile phone business card system in a block chain mode.
6. The two-dimensional code payment method based on mobile phone business card as claimed in claim 3,
the account number obtaining step comprises the following substeps:
the mobile phone business card system uses an asymmetric encryption mode to request Token from the payment system through Token feedback identification codes;
the payment system obtains a corresponding Token and a mobile phone number according to the Token feedback identification code and the first mapping table, encrypts the Token and the mobile phone number in an asymmetric mode and returns the Token and the mobile phone number to the mobile phone business card system; and
and the mobile phone business card system decrypts the data to obtain the Token and the mobile phone number.
7. The two-dimensional code payment method based on mobile phone business card as claimed in claim 6,
the binding step comprises the following substeps:
the mobile phone business card system matches the obtained mobile phone number with a second mapping table;
binding the mobile phone business card matched with the mobile phone number with the obtained Token; and
and feeding back the binding result to the payment system.
8. The two-dimensional code payment method based on mobile phone business card as claimed in claim 3,
the two-dimensional code acquisition step comprises the following substeps:
the mobile phone business card system checks the consistency of the SIM card number of the current equipment and the mobile phone number;
initiating a two-dimensional code acquisition request to a payment system by using the Token and the mobile phone number bound by the mobile phone business card under the condition of passing the verification; and
and the payment system checks the consistency of the Token and the mobile phone number based on the two-dimension code acquisition request, and returns the payment two-dimension code corresponding to the Token to the mobile phone business card system under the condition of passing the check.
9. The two-dimensional code payment method based on mobile phone business card as claimed in claim 3,
in the two-dimension code acceptance step, a mobile phone user is further set to carry out auxiliary verification before payment acceptance is completed.
10. The two-dimensional code payment method based on mobile phone business card as claimed in claim 2,
in the mapping establishing step, the payment system generates a system code corresponding to account information as the account feedback code based on the binding request, and generates a system code feedback code corresponding to the system code, and further establishes a corresponding relationship among the account information, the system code feedback code, the mobile phone number and the device information in the first mapping table,
in the distribution step, the payment system sends a system coding feedback code to the mobile phone business card system according to the equipment information,
in the account number obtaining step, the mobile phone business card system requests a system code from the payment system based on the system code feedback code, the mobile phone business card system obtains the system code and the mobile phone number corresponding to the system code feedback code from the payment system,
and in the binding step, matching is carried out based on a second mapping table, and the binding of the system code and the mobile phone business card is realized.
11. A two-dimension code payment method based on a mobile phone business card is characterized by comprising the following steps:
a two-dimension code providing step, namely receiving a two-dimension code obtaining request from the outside, wherein the two-dimension code obtaining request comprises account information and a mobile phone number bound with a mobile phone business card, the mobile phone business card is bound with the account information based on the mobile phone number, and a payment two-dimension code is provided to the outside according to the account information and the mobile phone number; and
a two-dimensional code acceptance step of receiving a payment two-dimensional code from the outside and completing payment acceptance based on corresponding account information based on the payment two-dimensional code,
the method comprises the steps of generating account feedback codes corresponding to account information and establishing a first mapping table of the account information, the account feedback codes, the mobile phone number and the equipment information.
12. The two-dimensional code payment method based on mobile phone business card as claimed in claim 11, further comprising before the two-dimensional code providing step:
a request receiving step, namely receiving a binding request, wherein the binding request comprises account information, a mobile phone number and equipment information;
a mapping establishing step, namely generating an account feedback code corresponding to account information based on the binding request, and establishing the first mapping table of the account information, the account feedback code, the mobile phone number and the equipment information;
a distribution step, in which the account feedback code is sent to the outside according to the equipment information; and
and an account number providing step of receiving a request for requesting account information based on an account number feedback code from the outside, inquiring account information and a mobile phone number corresponding to the account number feedback code based on the request, and sending the account information and the mobile phone number to the outside.
13. The two-dimensional code payment method based on mobile phone business card as claimed in claim 12,
in the mapping establishing step, a Token corresponding to account information is generated as the account feedback code based on the binding request, a Token feedback identification code corresponding to the Token is generated, and meanwhile, the corresponding relation among the account information, the Token feedback identification code, the mobile phone number and the equipment information is further established in the first mapping table,
in the distributing step, the Token feedback identification code is transmitted to the outside according to the device information,
in the account providing step, a request for requesting account information based on the Token feedback identification code is received from the outside, and the Token and the mobile phone number corresponding to the Token feedback identification code are inquired based on the request and are sent to the outside.
14. The two-dimensional code payment method based on mobile phone business card as claimed in claim 13,
and in the distribution step, the Token feedback identification code is sent to the outside in a point-to-point mode.
15. The two-dimensional code payment method based on mobile phone business card as claimed in claim 13,
and in the distribution step, the Token feedback identification code is sent to the outside in a block chain mode.
16. The two-dimensional code payment method based on mobile phone business card as claimed in claim 15,
in the two-dimension code acceptance step, a mobile phone user is further set to carry out auxiliary verification before payment acceptance is completed.
17. The utility model provides a two-dimensional code payment system based on cell-phone business card which characterized in that includes: a payment system and a mobile phone business card system,
wherein, payment system includes:
a payment core system for performing and paying functions;
a Token system for generating and managing tokens;
a block chain link point module used as a node of a block chain to realize information interaction with the mobile phone business card system,
the mobile phone business card system is used for interacting with the payment system and realizing the binding of mobile phone business cards based on Token.
18. The two-dimensional code payment system based on mobile phone business card as claimed in claim 17,
the payment core system is used for receiving a binding request, wherein the binding request comprises account information, a mobile phone number and equipment information,
the Token system is used for generating a corresponding Token and a Token feedback identification code corresponding to the Token according to the binding request, establishing a first mapping table of account information, the Token feedback identification code, a mobile phone number and equipment information,
the block chain node module sends the Token feedback identification code to a mobile phone business card system corresponding to the equipment information according to the equipment information,
after the mobile phone business card system obtains the Token feedback identification code, the mobile phone business card system requests the payment system to obtain the Token based on the Token feedback identification code,
the Token system returns the corresponding Token and the mobile phone number to the mobile phone business card system according to the request from the mobile phone business card system,
the mobile phone business card system binds the Token and the mobile phone business card based on the Token and the mobile phone number.
19. The two-dimensional code payment system based on mobile phone business card as claimed in claim 18,
the mobile phone business card system is used for requesting a payment two-dimensional code from the payment system based on Token bound with the mobile phone business card,
and the payment core system generates a payment two-dimensional code corresponding to the Token and the corresponding payment two-dimensional code according to the request from the mobile phone business card system and returns the payment two-dimensional code to the mobile phone business card system.
20. The two-dimensional code payment system based on mobile phone business card as claimed in claim 18,
the mobile phone business card system is used for providing a payment two-dimensional code for a user,
the Token system obtains account information corresponding to the Token according to the payment two-dimensional code, and the payment core system is used for completing acceptance based on the account information.
21. The two-dimensional code payment system based on mobile phone business card as claimed in claim 18,
and the block chain node module sends the Token feedback identification code to the mobile phone business card system in a block chain mode.
22. A payment system, comprising:
a payment core system for performing and paying functions;
a Token system for generating and managing tokens; and
and the block chain link point module is used as a node of the block chain to realize information interaction with the outside.
23. The payment system of claim 22,
the payment core system is used for receiving a binding request, wherein the binding request comprises account information, a mobile phone number and equipment information,
the Token system is used for generating a corresponding Token and a Token feedback identification code corresponding to the Token according to the binding request, establishing a first mapping table of account information, the Token feedback identification code, a mobile phone number and equipment information,
the block chain node module sends the Token feedback identification code to an external mobile phone business card system corresponding to the equipment information according to the equipment information,
after the mobile phone business card system obtains the Token feedback identification code, the mobile phone business card system requests the payment system to obtain the Token based on the Token feedback identification code,
the Token system returns the Token feedback identification code, the corresponding Token and the mobile phone number to the external mobile phone business card system according to a Token obtaining request based on the Token feedback identification code from the external mobile phone business card system, wherein the Token is bound with the mobile phone business card.
24. The payment system of claim 23,
and the core payment system generates a Token and a corresponding payment two-dimensional code according to a request from an external mobile phone business card system.
25. The utility model provides a two-dimensional code payment system based on cell-phone business card which characterized in that includes: a payment system and a mobile phone business card system,
wherein the payment system comprises:
the payment core system is used for realizing a payment function;
the system coding system is used for realizing the generation and management of system codes; and
the block chain node module completes information interaction with the mobile phone business card system based on a block chain technology,
the mobile phone business card system is used for interacting with the payment system and binding mobile phone business cards based on the system codes.
26. The two-dimensional code payment system based on mobile phone business card as claimed in claim 25,
the payment core system is used for receiving a binding request, wherein the binding request comprises account information, a mobile phone number and equipment information,
the system coding system is used for generating a corresponding system code and a system code feedback code corresponding to the system code according to the binding request, and establishing a first mapping table of account information, the system code feedback code, the mobile phone number and equipment information,
the block chain node module sends a system coding feedback code to a mobile phone business card system corresponding to the equipment information according to the equipment information,
after the mobile phone business card system obtains the system code feedback code, the system code feedback code is requested to obtain the system code from the payment system,
the system code system returns the corresponding system code and the mobile phone number to the mobile phone business card system according to the request from the mobile phone business card system,
the mobile phone business card system binds the system code with the mobile phone business card based on the obtained system code and the mobile phone number.
27. The two-dimensional code payment system based on mobile phone business card as claimed in claim 26,
the mobile phone business card system is used for requesting a payment two-dimensional code from the payment system based on the system code bound with the mobile phone business card,
and the core payment system generates a payment two-dimensional code corresponding to the system code according to the request from the mobile phone business card system and returns the payment two-dimensional code to the mobile phone business card system.
28. The two-dimensional code payment system based on mobile phone business card as claimed in claim 26,
the mobile phone business card system is used for providing a payment two-dimensional code for a user,
the system coding system obtains account information corresponding to the system coding according to the payment two-dimensional code, and the payment core system is used for completing acceptance based on the account information.
29. The two-dimensional code payment system based on mobile phone business card as claimed in claim 26,
and the block chain link point module sends the system coding feedback code to the mobile phone business card system in a block chain mode.
30. A payment system, comprising:
the payment core system is used for realizing a payment function;
the system coding system is used for realizing the generation and management of system codes; and
and the block chain node module is used for finishing information interaction with an external mobile phone business card system based on a block chain technology.
31. The payment system of claim 30,
the payment core system is used for receiving a binding request, wherein the binding request comprises account information, a mobile phone number and equipment information,
the system coding system is used for generating a corresponding system code and a system code feedback code corresponding to the system code according to the binding request, and establishing a first mapping table of account information, the system code feedback code, the mobile phone number and equipment information,
the block chain node module sends a system coding feedback code to an external mobile phone business card system corresponding to the equipment information according to the equipment information,
and the system code system returns the corresponding system code and the mobile phone number to the external mobile phone business card system according to a request from the external mobile phone business card system.
32. The payment system of claim 31,
and the block chain link point module sends the system coding feedback code to an external mobile phone business card system in a block chain mode.
33. A computer-readable medium, having stored thereon a computer program,
the computer program is used for realizing the two-dimensional code payment method based on the mobile phone business card according to any one of claims 1 to 14 when being executed by a processor.
34. A computer device comprising a storage module, a processor and a computer program stored on the storage module and capable of running on the processor, wherein the processor implements the two-dimensional code payment method based on mobile phone business card according to any one of claims 1 to 14 when executing the computer program.
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