WO2014012407A1 - 支付方法及装置 - Google Patents

支付方法及装置 Download PDF

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Publication number
WO2014012407A1
WO2014012407A1 PCT/CN2013/077426 CN2013077426W WO2014012407A1 WO 2014012407 A1 WO2014012407 A1 WO 2014012407A1 CN 2013077426 W CN2013077426 W CN 2013077426W WO 2014012407 A1 WO2014012407 A1 WO 2014012407A1
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WO
WIPO (PCT)
Prior art keywords
payment
dimensional code
account
terminal
information
Prior art date
Application number
PCT/CN2013/077426
Other languages
English (en)
French (fr)
Inventor
朱业
陈晓燕
卫伟
冯昌宝
邱婷
Original Assignee
中兴通讯股份有限公司
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by 中兴通讯股份有限公司 filed Critical 中兴通讯股份有限公司
Priority to JP2015516435A priority Critical patent/JP2015528934A/ja
Priority to EP13820156.1A priority patent/EP2876594A4/en
Priority to US14/405,472 priority patent/US20150235196A1/en
Priority to IN11152DEN2014 priority patent/IN2014DN11152A/en
Publication of WO2014012407A1 publication Critical patent/WO2014012407A1/zh
Priority to HK15105367.7A priority patent/HK1204822A1/zh

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G06Q20/208—Input by product or record sensing, e.g. weighing or scanner processing
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • 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
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/405—Establishing or using transaction specific rules

Definitions

  • the present invention relates to the field of communications, and in particular to a payment method and apparatus. Background technique
  • the present invention provides a payment method and apparatus to at least solve the above problems.
  • a payment method including: after receiving a payment request from a terminal, acquiring a two-dimensional code from the terminal, wherein the two-dimensional code includes payment information of a corresponding account Reading the payment information of the account included in the two-dimensional code; and deducting the account using the payment information according to the payment request.
  • the payment information of the corresponding account comprises: identification information of a corresponding account of the two-dimensional code and a unique key used by the corresponding account for payment.
  • the method before acquiring the two-dimensional code from the terminal, the method further includes: calling a two-dimensional code recognition application in the terminal to identify the acquired two-dimensional code.
  • the terminal invokes the two-dimensional code recognition application in the terminal to obtain the obtained
  • the identifying of the two-dimensional code includes: selecting, in the terminal, a plurality of two-dimensional code recognition applications, selecting one of the two-dimensional code recognition applications to identify the acquired two-dimensional code according to a preset priority.
  • the payment request carries an amount of the commodity to be paid
  • deducting the account by using the payment information according to the payment request includes: the balance of the account is greater than or equal to the amount of the to-be-paid commodity In the case of the balance of the account, the amount is deducted, and the payment success information is returned to the terminal; or, if the balance of the account is less than the amount of the item to be paid, the terminal is Returns payment failure information.
  • the two-dimensional code is a QR code.
  • a payment apparatus comprising: an obtaining module, configured to: after receiving a payment request from a terminal, acquire a two-dimensional code from the terminal, wherein the two-dimensional code a payment information including a corresponding account; a reading module configured to read payment information of the account included in the two-dimensional code; a payment module configured to use the payment information to the account according to the payment request The deduction is made.
  • the device further includes: a calling module, configured to invoke the two-dimensional code recognition application in the terminal to identify the two-dimensional code acquired by the terminal.
  • a calling module configured to invoke the two-dimensional code recognition application in the terminal to identify the two-dimensional code acquired by the terminal.
  • the calling module is further configured to: when the plurality of two-dimensional code recognition applications are present in the terminal, select one of the two-dimensional code recognition application to acquire the two-dimensional code according to a preset priority. Identify.
  • the payment module includes: a returning module, configured to set, if the balance of the account is greater than or equal to the amount of the item to be paid, Deducting the amount in the balance of the account, and returning payment success information to the terminal; or, if the balance of the account is less than the amount of the item to be paid, returning payment failure information to the terminal .
  • a returning module configured to set, if the balance of the account is greater than or equal to the amount of the item to be paid, Deducting the amount in the balance of the account, and returning payment success information to the terminal; or, if the balance of the account is less than the amount of the item to be paid, returning payment failure information to the terminal .
  • the present invention after receiving a payment request from the terminal, acquiring the terminal from the terminal a two-dimensional code, wherein the two-dimensional code includes payment information of the corresponding account; reading the payment information of the account included in the two-dimensional code; and solving the related technology by using the payment information to deduct the account according to the payment request.
  • FIG. 1 is a flow chart of a payment method according to an embodiment of the present invention.
  • FIG. 2 is a structural block diagram of a payment device according to an embodiment of the present invention.
  • FIG. 3 is a block diagram showing a preferred structure of a payment device according to an embodiment of the present invention.
  • FIG. 4 is a block diagram showing a preferred structure of a payment module according to an embodiment of the present invention. detailed description
  • FIG. 1 is a flowchart of a payment method according to an embodiment of the present invention. As shown in FIG. 1, the method includes the following steps:
  • Step S102 after receiving the payment request from the terminal, acquiring a two-dimensional code from the terminal, where the two-dimensional code includes payment information of the corresponding account;
  • Step S104 reading payment information of an account included in the two-dimensional code
  • Step S106 Debit the account by using the payment information according to the payment request.
  • the present embodiment can pay for the goods that the user needs to pay according to the payment information of the corresponding account included in the two-dimensional code.
  • the user wants to pay for the goods in the electronic store, the user only needs to scan the two-dimensional code and send it, and then deduct the fee from the account according to the payment information of the corresponding account included in the two-dimensional code.
  • the goods are convenient and quick to pay, which improves the user experience.
  • the current account payment information is usually composed of a user name and a password. Therefore, the payment information of the corresponding account in the embodiment may be the identification information of the corresponding account of the two-dimensional code and the corresponding account. The unique key for payment. Of course, the form of payment information is not limited to this.
  • the acquired two-dimensional code can be identified by calling a two-dimensional code identification application in the terminal. If the user pays for the goods for the first time using the two-dimensional code, the two-dimensional code recognition application in the terminal can be called by downloading the plug-in on the webpage.
  • the priority of the application may be preset by using the plurality of two-dimensional codes, so that one of the two-dimensional code recognition applications can be selected according to the preset priority. Identify the acquired QR code. Avoid conflicts between applications and improve system stability.
  • the amount of the item to be paid carried in the payment request is less than or equal to the balance of the account corresponding to the two-dimensional code, the amount may be directly deducted from the balance of the account, and the payment success information is returned to the terminal; If the amount of the item to be paid carried in the payment request is greater than the balance of the account corresponding to the two-dimensional code, the payment cannot be realized. At this time, the payment failure information may be returned to the terminal, so that the user can perform payment by other means or perform the account corresponding to the two-dimensional code. Top up.
  • the two-dimensional code may be a QR code (Quick Response Code) 0 In this manner easy to use, quick reading.
  • the embodiment further provides a payment device, which is configured to implement the above-mentioned embodiments and preferred embodiments, and has not been described again.
  • the term "module” may implement a combination of software and/or hardware of a predetermined function.
  • the apparatus described in the following embodiments is preferably implemented in software, hardware, or a combination of software and hardware, is also possible and conceivable.
  • 2 is a structural block diagram of a payment device according to an embodiment of the present invention. As shown in FIG. 2, the device includes: an acquisition module 22, a reading module 24, and a payment module 26. The respective modules are described in detail below.
  • the obtaining module 22 is configured to: after receiving the payment request from the terminal, acquire a two-dimensional code from the terminal, where the two-dimensional code includes payment information of the corresponding account; the reading module 24 is connected to the obtaining module 22, and is configured to The payment information of the account included in the two-dimensional code acquired by the acquisition module 22 is read; the payment module 26 is connected to the reading module 24, and is configured to deduct the account using the payment information read by the reading module 24 according to the payment request. fee.
  • the user when the user wants to pay for the goods in the electronic store, the user only needs to scan the two-dimensional code and then send the information according to the corresponding account included in the two-dimensional code.
  • the deduction from the account does not require the use of a third-party account, nor does it require other information to be input during the payment operation, which solves the problem that the related art pays for the goods in the electronic store in a relatively complicated manner, so that the user is in the right It is convenient and quick to pay for goods in the e-shop.
  • FIG. 3 is a block diagram of a preferred structure of a payment device according to an embodiment of the present invention.
  • the device may further include: a calling module 32, connected to the obtaining module 22, configured to invoke a two-dimensional code identification application pair in the terminal. The obtained QR code is identified.
  • the calling module 32 is further configured to select one of the two-dimensional code recognition applications to identify the acquired two-dimensional code according to a preset priority in a case where a plurality of two-dimensional code recognition applications are present in the terminal.
  • the payment module 26 may include: a return module 262, which is set to If the balance of the account is greater than or equal to the amount of the item to be paid, the amount is deducted from the balance of the account, and the payment success information is returned to the terminal; or, if the balance of the account is less than the amount of the item to be paid, the terminal is returned Payment failure information.
  • this embodiment simplifies the payment process of the user in purchasing the paid goods in the online store, and at the same time provides a new promotion and promotion means for the operator.
  • the preferred embodiment is described by taking a purchase of a paid application in an application store as an example, and provides a method of using a QR code payment in an application store.
  • the operator sells or presents the QR code including the certain amount and the unique key to the user in advance, and after the user downloads the paid product in the application store, the user scans the QR code by using the mobile phone or the camera on the computer. Payment process.
  • the QR code is used as a verification code, and the payment process needs to be associated with a third party bank account in order to increase the security of the electronic payment; the payment method in the preferred embodiment can be simplified in the smart phone The payment process for paying for paid items in the app store.
  • Step S2 The user selects the item to be purchased in the webpage, and clicks to purchase.
  • Step S4 The webpage receives the transaction request clicked by the user, and sends the transaction request to the server.
  • Step S6 The server obtains the amount required to purchase the product according to the above transaction request, and sends it back to the webpage.
  • Step S8 The web page displays the amount to the user, and asks the user for the payment method.
  • Step S10 If the user selects the QR code payment, it is determined whether the user adopts the QR code payment mode for the first time, and if yes, proceeds to step S12, otherwise proceeds to step S14.
  • Step S12 The payment plug-in required for the QR code payment is popped up in the webpage, and the user installs the payment plug-in.
  • Step S14 The user scans the QR code, and the user terminal obtains the QR code, and then calls the QR code identification application in the terminal to identify by using the installed payment plug-in.
  • the QR code includes encrypted user information, and the encryption algorithm and decryption calculation of the user information may be provided by the settlement party or may be provided by other third parties.
  • Step S16 The user sends the identified QR code information to the webpage.
  • Step S18 The webpage sends the QR code information including the encrypted information and the commodity price to the settlement party or a third party providing the decryption calculation.
  • Step S20 If the settlement party sends the QR code information to the settlement party, the payment information of the corresponding account of the QR code is obtained. If the third party providing the decryption calculation is sent, the third party decrypts the QR code information and sends the decrypted result to the settlement party.
  • Step S22 The settlement party determines whether the balance in the account is greater than or equal to the commodity amount. If yes, the payment information is used for payment, and the payment success information is returned to the webpage; if not, the payment fails, and the payment failure information is returned to the webpage. In addition, you can return other account information to the web page at the same time, such as account validity period, balance, and so on.
  • Step S24 The webpage displays the result returned by the settlement party to the user.
  • a software is provided that is configured to perform the technical solutions described in the above embodiments and preferred embodiments.
  • a storage medium is also provided, the software being stored, including but not limited to an optical disk, a floppy disk, a hard disk, a rewritable memory, and the like.
  • modules or steps of the present invention can be implemented by a general-purpose computing device, which can be concentrated on a single computing device or distributed over a network composed of multiple computing devices. Alternatively, they may be implemented by program code executable by the computing device, such that they may be stored in the storage device by the computing device and, in some cases, may be different from the order herein.
  • the steps shown or described are performed, or they are separately fabricated into individual integrated circuit modules, or a plurality of modules or steps are fabricated as a single integrated circuit module.
  • the invention is not limited to any specific combination of hardware and software.

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Abstract

本发明公开了一种支付方法及装置，其中，该方法包括：在接收到来自终端的支付请求后，获取来自终端的二维码，其中，该二维码中包含对应账户的支付信息；读取二维码中包含的账户的支付信息；根据支付请求，使用支付信息对账户进行扣费。通过本发明，解决了相关技术中对电子商店中的商品进行支付的方式较为繁琐的问题，使用户在对电子商店中的商品进行支付时方便快捷，提高了用户体验。

Description

支付方法及装置 技术领域
本发明涉及通信领域， 具体而言， 涉及一种支付方法及装置。 背景技术
网上电子商店购买收费的产品时， 需要借助第三方的支付帐户来支付， 这对于用户来说， 很不方便， 特别是对于初次使用电子商店的顾客来说， 注册第三方支付帐户和充值是个繁瑣的过程。 有部分用户因为初次支付过 程繁瑣而放弃购买， 导致用户流失。
针对相关技术中对电子商店中的商品进行支付的方式较为繁瑣的问 题， 目前尚未提出有效的解决方案。 发明内容
针对相关技术中对电子商店中的商品进行支付的方式较为繁瑣的问 题， 本发明提供了一种支付方法及装置， 以至少解决上述问题。
根据本发明的一个方面， 提供了一种支付方法， 包括： 在接收到来自 终端的支付请求后， 获取来自所述终端的二维码， 其中， 所述二维码中包 含对应账户的支付信息； 读取所述二维码中包含的所述账户的支付信息； 根据所述支付请求， 使用所述支付信息对所述账户进行扣费。
优选地， 所述对应账户的支付信息包括： 所述二维码的对应账户的标 识信息以及所述对应账户用于支付的唯一密钥。
优选地， 获取来自所述终端的二维码之前， 还包括： 调用所述终端内 的二维码识别应用对获取到的所述二维码进行识别。
优选地， 所述终端调用所述终端内的二维码识别应用对获取到的所述 二维码进行识别包括： 在所述终端内存在多个二维码识别应用的情况下， 按照预设的优先级选择其中一个二维码识别应用对获取到的所述二维码进 行识别。
优选地， 所述支付请求中携带待支付商品的金额， 根据所述支付请求 使用所述支付信息对所述账户进行扣费包括： 在所述账户的余额大于或等 于所述待支付商品的金额的情况下， 在所述账户的余额中扣除所述金额， 并向所述终端返回支付成功信息； 或者， 在所述账户的余额小于所述待支 付商品的金额的情况下， 向所述终端返回支付失败信息。
优选地， 所述二维码为 QR码。
根据本发明的另一方面， 提供了一种支付装置， 包括： 获取模块， 设 置为在接收到来自终端的支付请求后， 获取来自所述终端的二维码， 其中， 所述二维码中包含对应账户的支付信息； 读取模块， 设置为读取所述二维 码中包含的所述账户的支付信息； 支付模块， 设置为根据所述支付请求， 使用所述支付信息对所述账户进行扣费。
优选地， 所述装置还包括： 调用模块， 设置为调用所述终端内的二维 码识别应用对所述终端获取到的所述二维码进行识别。
优选地， 所述调用模块还设置为在所述终端内存在多个二维码识别应 用的情况下， 按照预设的优先级选择其中一个二维码识别应用对获取到的 所述二维码进行识别。
优选地， 在所述支付请求中携带待支付商品的金额的情况下， 所述支 付模块包括： 返回模块， 设置为在所述账户的余额大于或等于所述待支付 商品的金额的情况下， 在所述账户的余额中扣除所述金额， 并向所述终端 返回支付成功信息； 或者， 在所述账户的余额小于所述待支付商品的金额 的情况下， 向所述终端返回支付失败信息。
通过本发明， 采用在接收到来自终端的支付请求后， 获取来自终端的 二维码， 其中， 该二维码中包含对应账户的支付信息； 读取二维码中包含 的账户的支付信息； 根据支付请求， 使用支付信息对账户进行扣费的方式， 解决了相关技术中对电子商店中的商品进行支付的方式较为繁瑣的问题， 使用户在对电子商店中的商品进行支付时方便快捷， 提高了用户体验。 附图说明
图 1是根据本发明实施例的支付方法的流程图；
图 2是根据本发明实施例的支付装置的结构框图；
图 3是根据本发明实施例的支付装置的优选结构框图；
图 4是根据本发明实施例的支付模块的优选结构框图。 具体实施方式
下文中将参考附图并结合实施例来详细说明本发明。 需要说明的是， 在不冲突的情况下， 本申请中的实施例及实施例中的特征可以相互组合。
本实施例提供了一种支付方法， 图 1 是根据本发明实施例的支付方法 的流程图， 如图 1所示， 该方法包括如下步骤：
步骤 S102，在接收到来自终端的支付请求后，获取来自终端的二维码， 其中， 该二维码中包含对应账户的支付信息；
步骤 S104， 读取二维码中包含的账户的支付信息；
步骤 S106， 根据支付请求， 使用支付信息对账户进行扣费。
本实施例通过上述步骤， 可以根据二维码中包含的其对应账户的支付 信息， 对用户需要支付的商品进行付费。 用户在想要对电子商店中的商品 进行支付的情况下， 仅需将上述二维码扫描后进行发送， 就可以根据该二 维码中包含的对应账户的支付信息从该账户中进行扣费， 无需借助第三方 账户， 也无需在支付操作时进行其他信息的输入， 解决了相关技术中对电 子商店中的商品进行支付的方式较为繁瑣的问题， 使用户在对电子商店中 的商品进行支付时方便快捷， 提高了用户体验。
作为一种优选实施方式， 考虑到目前的账户支付信息通常由用户名以 及密码组成， 因此在本实施例中的对应账户的支付信息可以是二维码的对 应账户的标识信息以及该对应账户用于支付的唯一密钥。 当然支付信息的 形式并不限于此。
优选地， 在获取上述二维码时， 可以通过调用终端内的二维码识别应 用对获取到的二维码进行识别。 而如果该用户为第一次使用二维码支付商 品， 可以通过在网页上下载插件的方式调用终端内的二维码识别应用。
优选地， 在终端内存在多个二维码识别应用的情况下， 可以预设使用 上述多个二维码识别应用的优先级， 从而能够按照预设的优先级选择其中 一个二维码识别应用对获取到的二维码进行识别。 避免了应用程序间发生 冲突， 提高了系统稳定性。
作为一种优选实施方式， 如果在支付请求中携带的待支付商品的金额 小于或等于二维码对应账户的余额， 则可以直接在账户的余额中扣除金额， 并向终端返回支付成功信息； 如果在支付请求中携带的待支付商品的金额 大于二维码对应账户的余额， 则支付无法实现， 此时可以向终端返回支付 失败信息， 以便用户通过其他方式进行支付或者对二维码对应账户进行充 值。
作为一种优选实施方式， 上述的二维码可以为 QR码 ( Quick Response Code )0 这种方式使用方便， 读取快捷。
对应于上述方法， 本实施例还提供了一种支付装置， 该装置设置为实 现上述实施例及优选实施方式， 已经进行过说明的不再赘述。 如以下所使 用的， 术语 "模块" 可以实现预定功能的软件和 /或硬件的组合。 尽管以下 实施例所描述的装置较佳地以软件来实现， 但是硬件， 或者软件和硬件的 组合的实现也是可能并被构想的。 图 2是根据本发明实施例的支付装置的结构框图， 如图 2所示， 该装 置包括： 获取模块 22、 读取模块 24和支付模块 26， 下面对各个模块进行 详细说明。
获取模块 22， 设置为在接收到来自终端的支付请求后， 获取来自终端 的二维码， 其中， 该二维码中包含对应账户的支付信息； 读取模块 24， 与 获取模块 22相连， 设置为读取获取模块 22获取的二维码中包含的账户的 支付信息； 支付模块 26， 与读取模块 24相连， 设置为根据支付请求， 使用 读取模块 24读取的支付信息对账户进行扣费。
本实施例通过上述模块， 用户在想要对电子商店中的商品进行支付的 情况下， 仅需将上述二维码扫描后进行发送， 就可以根据该二维码中包含 的对应账户的支付信息从该账户中进行扣费， 无需借助第三方账户， 也无 需在支付操作时进行其他信息的输入， 解决了相关技术中对电子商店中的 商品进行支付的方式较为繁瑣的问题， 使用户在对电子商店中的商品进行 支付时方便快捷。
图 3是根据本发明实施例的支付装置的优选结构框图， 如图 3所示， 该装置还可以包括： 调用模块 32， 与获取模块 22相连， 设置为调用终端内 的二维码识别应用对获取到的二维码进行识别。
优选地， 调用模块 32还可以设置为在终端内存在多个二维码识别应用 的情况下， 按照预设的优先级选择其中一个二维码识别应用对获取到的二 维码进行识别。
图 4是根据本发明实施例的支付模块 26的优选结构框图，如图 4所示， 在支付请求中携带待支付商品的金额的情况下， 支付模块 26可以包括： 返 回模块 262， 设置为在账户的余额大于或等于待支付商品的金额的情况下， 在账户的余额中扣除金额， 并向终端返回支付成功信息； 或者， 在账户的 余额小于待支付商品的金额的情况下， 向终端返回支付失败信息。 本实施例一方面简化了用户在购买网上商店中的收费商品的支付过 程， 同时为运营商提供了一种新的宣传和促销手段。
下面结合优选实施例进行说明， 以下优选实施例结合了上述实施例及 其优选实施方式。
目前的网上手机应用商店， 例如 wostore、 移动 mm、 天翼空间等场所， 以及 appstore等网上商店，均通过注册第三方帐户后和银联卡或者信用卡绑 定来完成支付， 或者通过扣取手机话费来完成支付。
本优选实施例以在应用商店中购买付费应用为例进行说明， 提供了一 种应用商店中使用 QR码支付的方法。在本优选实施例中，运营商事先将包 含一定金额和唯一密钥的 QR码出售或者赠送给用户，用户在应用商店下载 付费商品后，通过使用手机或者电脑上的摄像头扫描该 QR码来完成支付过 程。
目前的 QR码支付过程中， QR码都是作为验证码使用， 支付过程需要 和第三方银行帐户相关联， 目的是增加电子支付的安全性； 本优选实施例 中的支付方法能够简化在智能手机应用商店中支付付费商品的支付流程。
传统的非智能手机正逐步退出市场， 智能手机是当前发展潮流。 智能 机的最大特点是可以按照用户喜好安装各种各样的应用软件， 而手机应用 软件商店也慢慢被广大用户所接受， 成为电信运营商的必争之地。 但是， 在应用商店购买付费商品的支付方式需要借助于第三方的支付帐户， 对于 初次尝试购买收费应用的用户来说， 第三方帐户的注册、 与应用商店帐户 关联、 充值都是相对繁瑣的操作， 这令一部分用户望而却步。 本优选实施 例简化了支付过程， 用户即使是第一次使用， 也可以顺利完成购买流程。
使用本优选实施例的支付方案对网上应用商店中的商品进行支付的流 程如下：
步骤 S2: 用户在网页中选中需要购买的商品， 点击购买。 步骤 S4: 网页收到用户点击的交易请求，将该交易请求发送至服务器。 步骤 S6: 服务器根据上述交易请求得到购买该商品所需的金额， 并发 回给网页。
步骤 S8: 网页将金额显示给用户， 并询问用户采用的付款方式。
步骤 S10: 如果用户选择 QR码支付， 则判断该用户是否为首次采用该 QR码支付方式， 如果是， 则进入步骤 S12， 否则进入步骤 S14。
步骤 S12: 在网页中弹出 QR码支付所需的支付插件， 用户安装该支付 插件。
步骤 S14: 用户对 QR码进行扫描， 用户所在终端获取到该 QR码后通 过安装完成的支付插件调用该终端内的 QR码识别应用进行识别。其中，该 QR码包含加密后的用户信息，用户信息的加密算法和解密计算可以由结算 方提供， 也可以由其他第三方提供。
步骤 S16: 用户将识别出的 QR码信息发送给网页。
步骤 S18: 网页将该包含加密信息的 QR码信息以及商品价格等信息发 送给结算方或提供解密计算的第三方。
步骤 S20: 如果发给结算方， 则所述结算方对 QR码信息进行解密， 获 取到该 QR码对应账户的支付信息。如果发给提供解密计算的第三方，则该 第三方对该 QR码信息进行解密后将解密结果发送给结算方。
步骤 S22: 结算方判断账户内余额是否大于等于商品金额， 如果是， 则 使用支付信息进行支付， 并返回支付成功信息给网页； 如果否， 则支付失 败， 返回支付失败信息给网页。 此外， 还可以同时返回其他账户信息给网 页， 例如账户有效期、 余额等。
步骤 S24: 网页将结算方返回的结果显示给用户。
在另外一个实施例中， 还提供了一种软件， 该软件设置为执行上述实 施例及优选实施例中描述的技术方案。 在另外一个实施例中， 还提供了一种存储介质， 该存储介质中存储有 上述软件， 该存储介质包括但不限于光盘、 软盘、 硬盘、 可擦写存储器等。
显然， 本领域的技术人员应该明白， 上述的本发明的各模块或各步骤 可以用通用的计算装置来实现， 它们可以集中在单个的计算装置上， 或者 分布在多个计算装置所组成的网络上， 可选地， 它们可以用计算装置可执 行的程序代码来实现， 从而， 可以将它们存储在存储装置中由计算装置来 执行， 并且在某些情况下， 可以以不同于此处的顺序执行所示出或描述的 步骤， 或者将它们分别制作成各个集成电路模块， 或者将它们中的多个模 块或步骤制作成单个集成电路模块来实现。 这样， 本发明不限制于任何特 定的硬件和软件结合。
以上所述仅为本发明的优选实施例而已， 并不用于限制本发明， 对于 本领域的技术人员来说， 本发明可以有各种更改和变化。 凡在本发明的精 神和原则之内， 所作的任何修改、 等同替换、 改进等， 均应包含在本发明 的保护范围之内。

Claims

权利要求书
1.一种支付方法， 包括：
在接收到来自终端的支付请求后， 获取来自所述终端的二维码， 其中， 所述二维码中包含对应账户的支付信息；
读取所述二维码中包含的所述账户的支付信息；
根据所述支付请求， 使用所述支付信息对所述账户进行扣费。
2.根据权利要求 1所述的方法， 其中， 所述对应账户的支付信息包括： 所述二维码的对应账户的标识信息以及所述对应账户用于支付的唯一 密钥。
3.根据权利要求 1 所述的方法， 其中， 获取来自所述终端的二维码之 前， 所述方法还包括：
调用所述终端内的二维码识别应用对所述终端获取到的所述二维码进 行识别。
4.根据权利要求 3 所述的方法， 其中， 所述终端调用所述终端内的二 维码识别应用对获取到的所述二维码进行识别包括：
在所述终端内存在多个二维码识别应用的情况下， 按照预设的优先级 选择其中一个二维码识别应用对获取到的所述二维码进行识别。
5.根据权利要求 1至 4中任一项所述的方法， 其中， 所述支付请求中 携带待支付商品的金额， 根据所述支付请求使用所述支付信息对所述账户 进行扣费包括：
在所述账户的余额大于或等于所述待支付商品的金额的情况下， 在所 述账户的余额中扣除所述金额， 并向所述终端返回支付成功信息； 或者， 在所述账户的余额小于所述待支付商品的金额的情况下， 向所述终端 返回支付失败信息。
6.根据权利要求 1至 4中任一项所述的方法， 其中， 所述二维码为 QR 码。
7.—种支付装置， 包括：
获取模块， 设置为在接收到来自终端的支付请求后， 获取来自所述终 端的二维码， 其中， 所述二维码中包含对应账户的支付信息；
读取模块， 设置为读取所述二维码中包含的所述账户的支付信息； 支付模块， 设置为根据所述支付请求， 使用所述支付信息对所述账户 进行扣费。
8.根据权利要求 7所述的装置， 其中， 所述装置还包括：
调用模块， 设置为调用所述终端内的二维码识别应用对所述终端获取 到的所述二维码进行识别。
9.根据权利要求 8所述的装置， 其中， 所述调用模块还设置为在所述 终端内存在多个二维码识别应用的情况下， 按照预设的优先级选择其中一 个二维码识别应用对获取到的所述二维码进行识别。
10. 根据权利要求 7至 9中任一项所述的装置， 其中， 在所述支付请 求中携带待支付商品的金额的情况下， 所述支付模块包括：
返回模块， 设置为在所述账户的余额大于或等于所述待支付商品的金 额的情况下， 在所述账户的余额中扣除所述金额， 并向所述终端返回支付 成功信息； 或者， 在所述账户的余额小于所述待支付商品的金额的情况下， 向所述终端返回支付失败信息。
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US20150235196A1 (en) 2015-08-20
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IN2014DN11152A (zh) 2015-09-25
HK1204822A1 (zh) 2015-12-04
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