TWM595276U - Paying system using quick response code to verify user identity - Google Patents

Abstract

The present disclosure provides a paying system using quick response code to verify user identity, including: a server; and an electronic device coupled to the server. The electronic device login to the server with an account to perform an identity verification procedure, and transmits an identity identification code to the server. The server generates a quick response code according to the identity identification code and transmits and quick response code to the electronic device. The electronic device login to the server with the account and transmits a pay request and a second quick response code to the server. The server reads a second identity identification code in the second quick response code. When the second identity identification code is same with the identity identification code, the server transmits a pay option to the electronic device.

Description

Payment system to verify my identity using quick response codes

This disclosure relates to a payment system, and in particular, to a payment system that verifies an identity and performs payment using a quick response code to verify the identity.

Part of the business of the bank is in line with government regulations, and it is necessary to use my account or use a card to make payment to complete the transaction. At present, it is very common to use Quick Response code (QR code) for payment. However, if the above regulations are encountered, it is impossible to confirm whether the bank account or credit card used by the payer is the business applicant’s personal data, resulting in Unable to provide quick response code service. Therefore, how to enable the customer to use the quick response code service while confirming the identity information of the payer is the goal that those skilled in the art should devote to.

In view of this, this disclosure provides a payment system that uses a quick response code to verify the identity of the person, and the payment is allowed after the identity of the payer is confirmed.

The present disclosure proposes a payment system using a quick response code to verify my identity, including: a server; and an electronic device, coupled to the server. The electronic device logs into the server with an account to perform the identity authentication process and sends the identity code to the server. The server generates a quick response code according to the identity identification code, and sends the quick response code to the electronic device. The electronic device logs into the server with the account number and sends the payment request and the second quick response code to the server. The server reads the second identification code in the second quick response code. When the second identification code is the same as the identification code, the server sends the payment option to the electronic device.

In an embodiment of the present disclosure, the electronic device transmits the payment method in the payment option to the server to perform the payment process.

In an embodiment of the present disclosure, the payment options include bank account payment and credit card payment.

In an embodiment of the present disclosure, the server is a payment institution server.

In an embodiment of the present disclosure, the above-mentioned identity identification code includes the number of the identity card.

Based on the above, the payment system using the quick response code to verify the identity of the present disclosure provides the user with an electronic device to send the identity code to the server for the identity authentication process. The server generates a quick response code according to the identity identification code and returns the quick response code to the electronic device. When the user logs in to the server again using the electronic device and sends the quick response code to the server to request payment, the server will first confirm that the identity code in the quick response code matches before sending the payment option to the electronic device. In this way, you can confirm the identity information of the payer while paying with the quick response code to meet the requirements of the regulations.

FIG. 1 is a block diagram of a payment system using a quick response code to verify an identity according to an embodiment of the disclosure.

Referring to FIG. 1, a payment system 100 using a quick response code to verify an identity of an embodiment of the present disclosure includes a server 110 and an electronic device 120. The electronic device 120 may be coupled to the server 110 through a wired or wireless network. The server 110 is, for example, a payment institution server. The electronic device 120 is, for example, a personal computer, a notebook computer, a tablet computer or other similar devices of a bank customer.

In one embodiment, the user uses the electronic device 120 to log in to the service website of the server 110 with an account (for example, a private account, a Google account, or a Facebook account, etc.) to fill in personal application information and/or perform identity verification operations for identity verification Program, and send an identification code (for example, ID number or passport number) to the server 110. When the user selects to pay with the quick response code on the payment page of the server 110, the server 110 can generate a quick response code according to the identity identification code and send the quick response code to the electronic device 120. When the electronic device 120 logs into the server 110 with the account number again and sends the payment request and the second quick response code to the server 110, the server 110 reads the second identity identification code in the second quick response code. When the second identification code is the same as the identification code, that is, when the server 110 confirms that the payer and the quick response code payment applicant are the same person, the server 110 may send payment options (for example, bank account payment or credit card payment, etc.)到电子装置120。 The electronic device 120. The user can choose one of the payment options to continue the payment process.

In one embodiment, the second quick response code can be obtained by the payer using a mobile device to perform a scanning operation. In another embodiment, the second quick response code can be obtained from a stored file in the user electronic device 120.

It is worth noting that if the server 110 cannot read any identity code from the second quick response code, the server 110 sends a transaction error message to the electronic device 120 and can instruct the user to send a quick response containing the identity code Code to the server 110 to confirm the identity and conduct the transaction.

In summary, the payment system using the quick response code to verify the identity of the present disclosure provides the user with an electronic device to send the identity code to the server for the identity authentication process. The server generates a quick response code according to the identity identification code and returns the quick response code to the electronic device. When the user uses the electronic device to log in to the server again and sends the quick response code to the server to make a payment request, the server will first confirm whether the identity codes in the quick response code match before sending the payment option to the electronic device. In this way, you can confirm the identity information while paying with the quick response code to meet the requirements of the regulations.

Although this disclosure has been disclosed as above with examples, it is not intended to limit this disclosure. Anyone who has ordinary knowledge in the technical field should make some changes and retouching without departing from the spirit and scope of this disclosure. The scope of protection disclosed in this disclosure shall be subject to the scope defined in the appended patent application.

100: A payment system that uses a quick response code to verify my identity 110: server 120: Electronic device

FIG. 1 is a block diagram of a payment system using a quick response code to verify an identity according to an embodiment of the disclosure.

100: A payment system that uses a quick response code to verify my identity

110: server

120: Electronic device

Claims (5)

A payment system using quick response codes to verify my identity, including: A server; and An electronic device coupled to the server, wherein The electronic device logs into the server with an account to perform an identity authentication process, and sends an identity code to the server; The server generates a quick response code according to the identity identification code, and sends the quick response code to the electronic device; The electronic device logs into the server with the account number and sends a payment request and a second quick response code to the server; The server reads a second identification code in the second quick response code; and When the second identity code is the same as the identity code, the server sends a payment option to the electronic device. The payment system using the quick response code to verify the identity of the user as described in claim 1, wherein the electronic device transmits a payment method in the payment option to the server to perform a payment process. The payment system for verifying the identity of the user using the quick response code as described in claim 1, wherein the payment options include a bank account payment and a credit card payment. The payment system using the quick response code to verify the identity of the user as described in claim 1, wherein the server is a payment institution server. The payment system using the quick response code to verify the identity of the user as described in claim 1, wherein the identity identification code includes an identity card number.

Images