CN113469675A

CN113469675A - Account image code scanning payment and multi-party verification method, device and storage medium

Info

Publication number: CN113469675A
Application number: CN202110739787.3A
Authority: CN
Inventors: 刘兴丹
Original assignee: Kunming Muxing Intellectual Property Service Co ltd
Current assignee: Kunming Muxing Intellectual Property Service Co ltd
Priority date: 2021-06-30
Filing date: 2021-06-30
Publication date: 2021-10-01

Abstract

The invention discloses a method, a device and a storage medium for account image code scanning payment and multi-party verification, wherein the method comprises the following steps: the enterprise identifiable information is bound with an enterprise collection or payment account, and is registered and registered in the network to form a unique enterprise account; combining at least one piece of identifiable information with the two-dimensional code and the identification information into a composite two-dimensional code; the mobile intelligent equipment scans the composite two-dimensional code, and identifies images, characters and the two-dimensional code information in the composite two-dimensional code through image identification software, character identification software and the two-dimensional code identification software; when network payment is carried out, images and characters in the composite two-dimensional code are prior to the two-dimensional code to carry out identification and authentication; the commodity brand name and the transaction information are checked and the fund payment is carried out among the user, the distributor and the payee, and the multi-party block chain verification and storage are realized. Moreover, the system can guarantee the return of goods and prevent fraud, counterfeit and sale places.

Description

Account image code scanning payment and multi-party verification method, device and storage medium

Technical Field

The invention relates to network payment, in particular to code scanning payment of a bound collection account number.

Background

The existing two-dimensional code is widely used in network payment, but the other end of the two-dimensional code payment connection is difficult to distinguish the true identity of the payee. If the payee and the shipper can be separated independently, block chain verification may be achieved. And, prevent the fake manufacturer, the seller from receiving the payment.

Therefore, how to provide a solution to the above technical problem is a problem that needs to be solved by those skilled in the art.

Disclosure of Invention

The application aims to provide a method for registering and generating a unique collection account number in a network through an enterprise, the user combines with a two-dimensional code through a picture, the mobile intelligent device scans the code identification picture, finds account number information bound in the network, and pays through the two-dimensional code. The user can pay the fund code scanning to the account bound by the genuine enterprise only by intuitively distinguishing the trademark or brand name of the enterprise.

In order to solve the technical problem, the application provides a method for account image code scanning payment and multi-party verification, which comprises the following steps:

the enterprise identifiable information is bound with an enterprise collection or payment account, and is registered and registered in the network to form a unique enterprise account;

combining at least one piece of identifiable information with the two-dimensional code and the identification information into a composite two-dimensional code;

the mobile intelligent equipment scans the composite two-dimensional code, and identifies images, characters and the two-dimensional code information in the composite two-dimensional code through image identification software, character identification software and the two-dimensional code identification software; when network payment is carried out, images and characters in the composite two-dimensional code are prior to the two-dimensional code to carry out identification and authentication;

the commodity brand name and the transaction information are checked and the fund payment is carried out among the user, the distributor and the payee, and the multi-party block chain verification and storage are realized.

Preferably, the identifiable information is the image or the text information of an enterprise trademark, an enterprise name, a business license, an enterprise website, an enterprise-to-public account, payee identity information, a payee account number, a unique number and a unique ID number.

Preferably, the third-party financial payment mechanism is connected with the enterprise account information; meanwhile, the payer, the distributor, the payee and a third-party financial payment mechanism form a four-party consensus mechanism.

Preferably, the enterprise registers an account in the network, and the business license and the enterprise account information need to be checked and documented, and the certification information with the trademark is provided.

Preferably, in the code scanning process of the user, the network payment operation is performed by identifying the identification information of the specific characters or symbols at the specific coordinate position.

Preferably, the user visually sees a money receiving enterprise for online payment through the image and the characters in the composite two-dimensional code.

Preferably, the composite two-dimensional code is directly printed on the outer package surface of the commodity or made into the composite two-dimensional code sticker.

Preferably, the device for account image code scanning payment and multi-party verification is characterized by comprising:

preferably, the enterprise account module is used for binding the enterprise identifiable information with an enterprise collection or payment account, and registering the enterprise identifiable information in the network to form a unique enterprise account;

preferably, the composite two-dimensional code module is used for combining at least one piece of identifiable information with the two-dimensional code and the identification information into a composite two-dimensional code;

preferably, the code scanning module is used for scanning the composite two-dimensional code by the mobile intelligent equipment and identifying images, characters and two-dimensional code information in the composite two-dimensional code through image identification software, character identification software and the two-dimensional code identification software; when network payment is carried out, images and characters in the composite two-dimensional code are prior to the two-dimensional code to carry out identification and authentication;

preferably, the multi-party verification module is used for verifying the brand name of the commodity and the transaction information and paying funds among the user, the distributor and the payee so as to realize multi-party block chain verification and storage.

Preferably, an electronic apparatus includes:

preferably, the memory is used for storing computer programs;

processor for implementing the steps of the server cluster management method according to any of claims 1 to 7 when executing said computer program.

A computer-readable storage medium, characterized in that a computer program is stored thereon, which computer program, when being executed by a processor, carries out the steps of the server cluster management method according to any one of the claims 1 to 7.

The application provides a device for code scanning payment and multi-party verification of an account image, enterprise account information is registered and bound in the Internet through an enterprise, and meanwhile, a collection code of the enterprise contains a logo name of the enterprise or corresponding enterprise recognizable information. And the user searches the recognition result in the network by scanning the code and recognizing the image and the characters. And when the searched information contains the bound account information, the two-dimension code information is detected for payment at the same time, and the payment fund is transferred to the corresponding enterprise account. And performing network payment through the two-dimension code in the composite two-dimension code. Thus, the enterprise normally collects the commodity sales money. Meanwhile, the two-dimensional code with the picture is prevented from being falsely used as an enterprise to collect money. Even if the composite two-dimensional code is manufactured by impersonation, money can be paid to the enterprise account bound by the enterprise. And consumers can directly know whether the genuine products are purchased or not only by checking whether the commodities have specific trademarks and brand names of enterprises or not. Moreover, the system can guarantee the return of goods and prevent fraud, counterfeit and sale places.

Drawings

In order to more clearly illustrate the embodiments of the present application, the drawings needed for the embodiments will be briefly described below, and it is obvious that the drawings in the following description are only some embodiments of the present application, and that other drawings can be obtained by those skilled in the art without inventive effort.

FIG. 1 is a flowchart illustrating steps of a method for code-scanning payment and multi-party verification of an account image according to the present application.

Fig. 2 is a schematic structural diagram of account image code scanning payment and multi-party verification provided in the present application.

Fig. 3 is a schematic structural diagram illustrating a principle of account image code-scanning payment and multi-party verification provided in the present application.

Fig. 4 is a schematic structural diagram of a specific operation of account image code scanning payment and multi-party verification provided in the present application.

Fig. 5 is a schematic structural diagram of the composite two-dimensional code verification using account image code scanning payment and multi-party verification provided by the present application.

Fig. 6 is a schematic structural diagram of data operation of account image code scanning payment and multi-party verification provided in the present application.

Detailed Description

The core of the application is to provide a method, a device, electronic equipment and a computer-readable storage medium for account image code scanning payment and multi-party verification, so that a user can know that the code scanning payment is about to be paid to a certain enterprise or brand through a product trademark or brand name before code scanning payment. And, guarantee the money and sweep the code and pay to the appointed account of this enterprise or brand, prevent the person of making a fake or selling the fake from receiving the commodity payment. Thereby playing the role of restraining the counterfeit goods from being sold.

In order to make the objects, technical solutions and advantages of the embodiments of the present application clearer, the technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are some embodiments of the present application, but not all embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present application.

Referring to fig. 1, fig. 1 is a flowchart illustrating steps of a method for code scanning payment and multi-party verification of an account image according to the present application, where the method for code scanning payment includes:

as shown in fig. 1, the method includes:

s101, binding enterprise identifiable information with an enterprise collection or payment account, and registering in a network to form a unique enterprise account;

specifically, the enterprise binds identifiable image or text information with an account number and an account name of the enterprise. After binding, a unique enterprise collection account is generated in the network. The money transfer remittance is remitted to the appointed receiving account as long as the network code scanning payment according with the identifiable information content of the enterprise is realized.

For example: the trademark of the enterprise and the account number and the account name of the enterprise to the public account are bound, the user conducts code scanning payment in the network, the trademark pattern or the name of the enterprise trademark of the enterprise is retrieved, and through the two-dimensional code scanning payment, the network payment can directly remit money into the enterprise account bound by the enterprise.

S102, combining at least one piece of identifiable information with the two-dimensional code and the identification information into a composite two-dimensional code;

specifically, in a commodity or a merchant store in the market, the identifiable information successfully registered by the enterprise is bound with the enterprise payment two-dimensional code. And after binding, generating the composite two-dimensional code. The composite two-dimensional code contains the two-dimensional code information and the identifiable information of enterprises. The enterprise account number in the identifiable information is registered and bound in the network and is a unique collection account and account number of an enterprise. The identifiable information of the enterprise contains information such as pictures, characters and the like. The two-dimension code is used for confirming whether network payment operation is needed or not. The identification information in the composite two-dimensional code is special image symbols or characters and character information on a specific coordinate position of the composite two-dimensional code. And enterprise or the dealer customized information. For example: store number, sales person number, photograph, etc.

The image characters in the composite two-dimensional code can be composed of a trademark of an enterprise and a payment and collection mark (the mark information). The payment and collection mark can be placed and displayed at any one designated coordinate position in the upper left corner, the upper right corner, the lower left corner, the lower right corner and the middle of the trademark image. The payment and collection identification is characters or symbols, such as: character receipt, payment, or symbols.

For example: in the composite two-dimensional code, the middle or the side of the two-dimensional code is provided with trademark patterns and enterprise name information of enterprises. And various information related to certification of the enterprise, such as an enterprise business license, a certification of qualification, a picture and characters of an office building or a store front of an enterprise, a number of the dealer, a photo of the employee or the employee of the dealer, a job number, a company account number, payment account information of the enterprise, address information, and information of a corresponding staff. The information is combined with the two-dimensional code of the collection of the enterprise into an image with patterns or characters. The user can directly distinguish the enterprise brand without intelligent equipment. And marking out whether the purpose of the two-dimension code in the composite two-dimension code is payment or collection through the identification information.

According to the requirement, the mobile intelligent device of the user scans the composite two-dimensional code, and directly jumps to an enterprise official mall or an enterprise official mall payment page after scanning the code.

S103, the mobile intelligent equipment scans the composite two-dimensional code, and identifies images, characters and two-dimensional code information in the composite two-dimensional code through image identification software, character identification software and the two-dimensional code identification software; when network payment is carried out, images and characters in the composite two-dimensional code are prior to the two-dimensional code to carry out identification and authentication;

and performing image recognition and character recognition on the pictures or characters in the composite two-dimensional code by using image recognition software and character recognition software through a code scanning function in the mobile intelligent equipment or the intelligent equipment of the user to obtain a corresponding recognition result. And meanwhile, scanning and paying the two-dimensional code information through the two-dimensional code scanning software, and searching whether a collection account number is bound in the network of the enterprise of the brand according to the recognition result of the pictures and the characters in the composite two-dimensional code when the online payment is determined to be needed. And if so, paying the corresponding money to the account number bound by the enterprise through the two-dimensional code.

The enterprise account bound by the enterprise is unique in the network, and the number of the composite two-dimensional codes corresponding to the account is infinite, and the composite two-dimensional codes can be static two-dimensional codes or dynamic two-dimensional codes. According to the requirement, the enterprise can register a plurality of enterprise collection account numbers corresponding to the images related to the enterprise to perform mutual binding. If necessary, the enterprise authorizes to bind a plurality of account numbers of the dealers, and the payment of the goods purchased by the user is transferred to the account numbers of the dealers through the enterprise account numbers. Or, the user directly scans the code and transfers the code to the account of the dealer. And the account number of the dealer and the account number of the enterprise are bound with each other, and the account number of the dealer is authenticated and identified by the enterprise. Typically, a plurality of the dealers' accounts are bound to one enterprise account.

In the payment process, enterprise information and the corresponding bound enterprise account are retrieved in the network according to the recognition result of the picture and the character in the composite two-dimensional code. In the process, the two-dimensional code is mainly used for confirming whether the network payment operation is required to be carried out or not. And when the code scanning payment is confirmed, image recognition and character recognition functions are started. The results of image recognition and character recognition determine whether to perform the operation of receiving and paying for the network payment. The two-dimensional code is unique information in the internet, and is also used for verifying the network payment transaction and the transaction amount by the user, the distributor and the enterprise.

Specifically, the user scans the composite two-dimensional code through a mobile phone code scanning function, and the mobile phone of the user identifies information of the two-dimensional code for payment of the payee. And simultaneously, carrying out image recognition and character recognition on the picture and character information in the composite two-dimensional code. Meanwhile, at the moment, a network retrieval function is started, and enterprise account information corresponding to the images or the characters is retrieved in the network. And after the enterprise account information is successfully retrieved, performing network payment by paying the two-dimensional code.

S104, commodity brand names, transaction information checking and fund payment are carried out among the user, the distributor and the payee, and multi-party block chain verification and storage are achieved.

After network payment is carried out, in a first mode, the enterprise account receives payment and fills in related address, addressee and contact telephone information according to the user, the enterprise directly carries out delivery of corresponding commodities, and the commodities are posted to the user in an express way. Second, if the user makes a purchase of the goods through the dealer or agent. After the user scans the code and pays on the network, the payment of the goods can be paid to an enterprise account, and the dealer is responsible for selling specific goods. After receiving the transfer remittance of the user, the enterprise sends the amount of the remittance to the dealer and the user. And the enterprise feedback information is notified to the dealer and the user through voice prompt or short message. The dealer checks the amount of money, uploads the name, the model, the quantity and discount information of the commodity to the enterprise, and after the enterprise checks successfully, the dealer transfers money. And after the dealer checks that the commodity information is correct and confirms that the checked amount of money is correct, the commodity is delivered to the user or the commodity is delivered. The enterprise can also send the received account information to the mobile phone of the user. And after the transaction is completed, the dealer and the enterprise pay money transfer.

If the user or the consumer can recognize the trademark or brand name of a business before transferring money, funds for purchasing commodities can be paid to an account appointed by the business, and the user can visually know a money receiving business or a money receiving brand before scanning code payment. After the code is scanned, the standard information for identifying the trademark and the brand of the enterprise of the user is returned through the server, and the user can check and confirm the trademark and the brand of the collection enterprise again through the screen and then pay.

As shown in fig. 2, fig. 2 is a schematic structural diagram of account image code scanning payment and multi-party verification provided in the present application.

Specifically, the composite two-dimensional code further comprises the step of binding the identifiable information of the enterprise with the enterprise account number and then binding the two-dimensional code with the two-dimensional code for payment of the enterprise to generate a comprehensive payment two-dimensional code integrated with the two-dimensional code for payment, the identifiable information of the enterprise, the enterprise account number and the identification information. And scanning and integrating the two-dimension code, and paying funds from the user network to a business bound account instead of paying to an account of the dealer. The dealer provides only the goods and is not responsible for collecting the money.

The account number of the enterprise is registered in the network to generate unique account number information, and the account number information is bound with at least one of the image, the characters, the enterprise name, the uniform social organization code, the character name, the identity information, the telephone number, the address information and the like of the trademark of the enterprise. The bound information may be stored and retrieved in the server. Or the bound information is bound with a fixed domain name or a dynamic domain name. And when the mobile intelligent equipment of the user scans the codes, performing image recognition and character recognition on the images in the composite two-dimensional code. Meanwhile, the mobile intelligent device of the user retrieves the two-dimension code containing the payment two-dimension code (the two-dimension code for paying money to the dealer or the merchant or the enterprise) in the composite two-dimension code. And retrieving the image or character information identified in the composite two-dimensional code in the network, and meanwhile, paying the amount of network payment to the bound enterprise account. And the enterprise account receives the money and finds the corresponding dealer according to the unique serial number in the two-dimensional code for payment. And after receiving the information of successful collection of the enterprises, the dealers sell the goods. Wherein the dealer does not collect money. The number unique to the dealer is a number assigned to the dealer by the enterprise, and may also be the user name or telephone number information registered by the dealer in the enterprise server. In the commodity sales check process between the enterprise and the dealer, the check of the transaction amount also includes the check of the model number and the quantity of the commodity. And if the composite two-dimensional code contains the identification information, the specific store of the dealer and a specific certain salesperson can be verified and authenticated through the identification information. And identifying and confirming the face information in the identification information through a face identification function and a network face identification function, so as to be used for confirming the salespersons. The user can visually check whether payment or collection is carried out during the composite two-dimensional code through the identification information.

And combining the pictures containing the image and the character information with the payment two-dimensional code information to form the composite two-dimensional code. And the enterprise binds the enterprise account with the image or character information in the composite two-dimensional code. When the user scans the code and recognizes payment of the two-dimensional code, and simultaneously detects the image or the character information in the composite two-dimensional code. And confirming the operation as network payment and transfer remittance of the user to the enterprise appointed account. The two-dimensional code in the composite two-dimensional code may contain the enterprise account information. In the actual network payment process, the recognition result of the image and the character in the composite two-dimensional code takes precedence over the recognition result of the two-dimensional code in the composite two-dimensional code. That is, the network payment to a specific enterprise account is determined by the image and the text in the composite two-dimensional code. And whether to pay is judged and determined by paying the two-dimensional code. The network payment process is the network payment according to the common retrieval result of the two.

As shown in fig. 3, fig. 3 is a schematic structural diagram of the principle of account image code-scanning payment and multi-party verification provided by the present application.

The user is a payer, the goods provider is the dealer, and the enterprise account owner of the enterprise is the payee. The three parts form a mutual verification relationship, for example:

the paying party pays and the receiving party collects money, after the paying party pays, the receiving party receives the transfer of the paying party, the receiving party sends the transfer amount to the distributor and the paying party through a network, and the receiving amount information of the receiving party is fed back through voice broadcasting and screen display of the receiving information. The composite two-dimensional code comprises specific commodity information. Or after the payee receives the transfer payment of the payer, the distributor verifies whether the distributor has corresponding goods or inventory to the payee, and if so, the distributor and the payee are approved to have dynamic changes in the goods or inventory. If the dealer has the goods, after selling the goods, the dealer has the corresponding goods. The payee can see that the dealer has a stock record and can also see information that the dealer's inventory has decreased. And the payee and the distributor are successfully verified and verified. If the distributor has no stock records in the payee end, but the distributor has delivery, the payee can identify the distributor as illegal channel conflict sales or sales of counterfeit goods or second-hand goods.

And then, combining with dynamic commodity price information or discount information, the information of which is dynamically changed in the network, and the payee and the distributor can synchronously know and obtain the information, thereby confirming the transaction amount. Meanwhile, the dealer and the payee check the information of the incoming and sales through the network.

In the process, the payment of the payer is paid to the payee through the network by using the composite two-dimensional code, and the dealer cannot receive the commodity sales payment. At the same time, the dealer must provide goods or services to the payer. If the payer pays, the payee collects the money, and the dealer does not receive the goods, the payee can consider the goods or services as channel conflict or counterfeit goods or second-hand goods or services. Thus, if the dealer takes the counterfeit act, not only the "merchandise" needs to be provided, but also no payment is received. And when the payee verifies that the distributor does not pass, the payee sends the suspicious information to the payer, or directly returns the fund to the payer after verification.

Before the dealer provides the goods, the dealer needs to confirm that the payee has received the payment of the goods through the network, and the payment amount, the counter and the goods information are checked to be correct. The payee sends the information of the amount of money to the distributor through the network, and the distributor and the payer have no disagreement after obtaining the result of money collection together, thus finishing the commodity transaction. The feedback information obtained by the payer is a payment receiving information prompt or a bank deduction prompt sent by the distributor or the payee to the payer.

If the payer has paid, the payee has collected money, but the distributor has not provided the goods, the distributor violates the rule. If the payer and the distributor dispute, the dispute result needs to inform the payee, and the payer, the payee or the distributor and the payee reach the processing result, and the payee refunds the payer. The payer returns the goods to the distributor, or the payer returns the goods to the payee.

In the commodity transaction process, funds are directly paid to the payee, and the funds can be guaranteed to be paid to regular enterprises. The counterfeiter can not receive the payment of the payee without the purchase record of the enterprise. (if the dealer imitates the composite two-dimensional code, the image recognition result in the composite two-dimensional code is firstly verified and transferred to the bound enterprise account number according to information such as a trademark provided by the merchant.

In the composite two-dimensional code, one trademark corresponds to a plurality of two-dimensional codes, so that the images and the characters in the composite two-dimensional code are compared with the two-dimensional codes. ) In the process, as long as the dealer does not sell the fake goods, other personnel can be ensured not to sell the fake goods. If the dealer makes the composite two-dimensional code for fraud, if the composite two-dimensional code is consistent with the composite two-dimensional code of the image enterprise, the user payer can pay funds to an account bound by the payee after scanning the code. And if the image characters in the composite two-dimensional code are not real or are similar to the real trademark of the enterprise and the related image and character information. And feeding back the recognized standard trademark image of the enterprise and related trademark text information to the mobile intelligent device or the intelligent device of the user through a network on a payment page. And after the user confirms the information again, the condition of being cheated in the payment process is prevented.

As shown in fig. 4, fig. 4 is a schematic structural diagram of a specific use operation of account image code scanning payment and multi-party verification provided by the present application.

During the registration and record process of the enterprise account in the network, the enterprise information and the account opening number of the account opening row and other information need to be checked. And after the verification is passed, the registration and the record of the enterprise account can be carried out. At the same time, the enterprises are required to provide the bound trademark patterns, the enterprise names or other related identifiable information for verification. And after the verification is passed, the enterprise account can be bound with the enterprise account.

And respectively identifying different images in the composite image through image identification software or character identification software, retrieving the enterprise account information according to the identification result, and judging whether the user is to pay or receive money. In the process, the image recognition result and/or the character recognition result are/is converted into the transmitted special codes to transmit information. Or the result of reading the complete image information can be transmitted to the server for verification. For example, a trademark in a composite image in the composite two-dimensional code is used for determining the enterprise account number. And the payment in the identification information indicates that the two-dimension code in the composite two-dimension code is to perform network payment operation.

The composite two-dimensional code can be directly made into a paper cash register sticker. Or the composite two-dimensional code can be printed on the outer package of the commodity, and the commodity is paid by scanning the code. The composite two-dimensional code can also be displayed on a screen of the intelligent device.

As shown in fig. 5, fig. 5 is a schematic structural diagram of the account image code scanning payment and the composite two-dimensional code verification of multi-party verification provided in the present application.

And storing the identifiable information of the enterprise in a payment database in the network, calling the stored corresponding enterprise and the bound enterprise account information from the payment database in the process of scanning the code by the user, and determining the transfer amount to the enterprise account according to the two-dimensional code scanning payment amount. Therefore, the two-dimension code in the composite two-dimension code serves as a common certificate of transaction information among the user, the dealer and the enterprise, and the purpose of block chain verification information is achieved. And the transaction amount and the transaction time information correspondingly generated by the two-dimension code are respectively stored in a distributed manner by the user, the distributor and the enterprise. And the dealer and the payee verify the transaction as normal transaction through the checking of the goods feeding information and the sales information. The effect of double block chain verification is formed.

Specifically, when the identifiable information of the enterprise or the website of the enterprise is used as the identifiable information, the identifiable information is bound with the website of the enterprise. Or, directly using the website of the enterprise to perform network identification and verification of the information. Or binding the identifiable information of the enterprise with a fixed domain name or a dynamic domain name, and retrieving a corresponding website link through the identifiable information of the identified enterprise by the mutual binding of the domain names, for example, retrieving the enterprise account corresponding to the identifiable information of the enterprise by the website link, and performing network payment.

Further comprising: and establishing an independent payment database, wherein the identifiable information provided by the enterprise and the corresponding bound enterprise account are stored in the payment database. When the mobile intelligent device of the user scans the composite two-dimensional code, the mobile intelligent device automatically accesses a payment database when the identified two-dimensional code for payment or collection is identified, and then finds the corresponding enterprise account number bound according to the identified image and character information in the composite two-dimensional code to perform corresponding collection or payment operation.

Specifically, the enterprise account binding is divided into: the method comprises the steps that firstly, an enterprise autonomously provides an account number, provides a business license and bank account opening information corresponding to the enterprise, and allows the enterprise to bind a legal account number of the enterprise and legal associated information of the enterprise after the business license and the bank account opening information are qualified after verification. And generating a unique result in a payment database or a network, and carrying out identification and verification on the network payment. And secondly, directly acquiring account information bound by the enterprise from the financial institution or a third party payment platform after the identification result provided by the enterprise passes verification. And performing related binding of the identifiable information of the enterprise and the enterprise account. Forming a four-party blockchain verification of the user, the dealer, the enterprise, the financial institution.

The server for performing the composite two-dimensional code scanning identification and the enterprise account information storage and operation may be a server provided by a third-party payment mechanism, a server of an enterprise, a server provided by a financial institution, or a server provided by a cloud server, and the composite two-dimensional code, the enterprise account, the transaction information, and the identification and verification of the sold goods are stored and operated in multiple ways.

As shown in the figure, fig. 6 is a schematic structural diagram of data operation of account image code scanning payment and multi-party verification provided in the present application.

The enterprise account module 1 is used for binding enterprise identifiable information with an enterprise collection or payment account, and registering in a network to form a unique enterprise account;

the composite two-dimensional code module 2 is used for combining at least one piece of identifiable information with the two-dimensional code and the identification information into a composite two-dimensional code;

the code scanning module 3 is used for scanning the composite two-dimensional code by the mobile intelligent equipment, and identifying images, characters and the two-dimensional code information in the composite two-dimensional code through image identification software, character identification software and the two-dimensional code identification software; when network payment is carried out, images and characters in the composite two-dimensional code are prior to the two-dimensional code to carry out identification and authentication;

and the multi-party verification module 4 is used for verifying the brand name of the commodity and the transaction information and paying funds among the user, the distributor and the payee so as to realize multi-party block chain verification and storage.

The first information module is used for the image and the character information of which the identifiable information is an enterprise trademark, an enterprise name, a business license, an enterprise website, an enterprise-to-public account, payee identity information, a payee account number, a unique number and a unique ID number.

The first information module is used for connecting the third-party financial payment mechanism with the enterprise account information; meanwhile, the payer, the distributor, the payee and a third-party financial payment mechanism form a four-party consensus mechanism.

The first information module is used for registering an account in the network by an enterprise, verifying and recording business licenses and enterprise account information, and providing certification information with a trademark.

And the first information module is used for performing network payment operation by identifying the identification information of the specific characters or symbols at the specific coordinate position in the code scanning process of the user.

And the first information module is used for the user to visually see a money receiving enterprise paying on the network through the images and the characters in the composite two-dimensional code.

The first information module is used for directly printing the composite two-dimensional code on the outer package surface of the commodity or manufacturing the composite two-dimensional code sticker.

On the other hand, the present application also provides an electronic device, which includes:

a memory for storing a computer program;

For an introduction of an electronic device provided in the present application, please refer to the above embodiments, which are not described herein again.

In another aspect, the present application further provides a computer-readable storage medium, wherein a computer program is stored on the computer-readable storage medium, and when being executed by a processor, the computer program implements the steps of the server cluster management method according to any one of claims 1 to 7.

It is further noted that, in the present specification, relational terms such as first and second, and the like are used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Also, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other identical elements in a process, method, article, or apparatus that comprises the element.

The previous description of the disclosed embodiments is provided to enable any person skilled in the art to make or use the present application. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the generic principles defined herein may be applied to other embodiments without departing from the spirit or scope of the application. Thus, the present application is not intended to be limited to the embodiments shown herein but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.

Claims

1. The method and the device for account image code scanning payment and multi-party verification are characterized by comprising the following steps:

2. The account image code-scanning payment and multi-party verification method as claimed in claim 1, wherein the combination of at least one identifiable information, the two-dimensional code and the identification information into a composite two-dimensional code further comprises:

the identifiable information is the image and the character information of an enterprise trademark, an enterprise name, a business license, an enterprise website, an enterprise-to-public account, payee identity information, a payee account number, a unique number and a unique ID number.

3. The method for code-scanning payment and multi-party verification of account image as claimed in claim 1, wherein the verification of brand name of goods, transaction information and fund payment between the user, the dealer and the payee comprises:

the third-party financial payment mechanism is connected with the enterprise account information; meanwhile, the payer, the distributor, the payee and a third-party financial payment mechanism form a four-party consensus mechanism.

4. The account image code-scanning payment and multi-party verification method as claimed in claim 1, wherein the registering and registering in the network comprises:

the enterprise registers the account in the network, and needs to check and record the business license and the enterprise account information, and provide the certification information with the trademark.

5. The account image code-scanning payment and multi-party verification method as claimed in claim 1, wherein the combination of at least one identifiable information, the two-dimensional code and the identification information into a composite two-dimensional code further comprises:

and in the code scanning process of the user, performing network payment operation by identifying the identification information of the specific characters or symbols at the specific coordinate position.

6. The account image code-scanning payment and multi-party verification method as claimed in claim 1, wherein the combination of at least one identifiable information with the two-dimensional code and the identification information into a composite two-dimensional code comprises:

and the user visually sees a money receiving enterprise for online payment through the images and the characters in the composite two-dimensional code.

7. The account image code-scanning payment and multi-party verification method as claimed in claim 1, wherein the combination of at least one identifiable information with the two-dimensional code and the identification information into a composite two-dimensional code comprises:

the composite two-dimensional code is directly printed on the outer package surface of the commodity or made into the composite two-dimensional code sticker.

8. Device that sign indicating number payment and many parties were verified is swept to account image, its characterized in that includes:

the enterprise account module is used for binding the enterprise identifiable information with an enterprise collection or payment account, and registering in the network to form a unique enterprise account;

the composite two-dimension code module is used for combining at least one piece of identifiable information with the two-dimension code and the identification information into a composite two-dimension code;

the code scanning module is used for scanning the composite two-dimensional code by the mobile intelligent equipment and identifying images, characters and the two-dimensional code information in the composite two-dimensional code through image identification software, character identification software and the two-dimensional code identification software; when network payment is carried out, images and characters in the composite two-dimensional code are prior to the two-dimensional code to carry out identification and authentication;

and the multi-party verification module is used for verifying the brand name of the commodity and the transaction information and paying funds among the user, the distributor and the payee so as to realize multi-party block chain verification and storage.

9. An electronic device, comprising:

a memory for storing a computer program;

10. A computer-readable storage medium, characterized in that a computer program is stored thereon, which computer program, when being executed by a processor, carries out the steps of the server cluster management method according to any one of the claims 1 to 7.