WO2017012542A1 - Procédé et système de paiement sans carte sur la base du code qr - Google Patents

Procédé et système de paiement sans carte sur la base du code qr Download PDF

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Publication number
WO2017012542A1
WO2017012542A1 PCT/CN2016/090634 CN2016090634W WO2017012542A1 WO 2017012542 A1 WO2017012542 A1 WO 2017012542A1 CN 2016090634 W CN2016090634 W CN 2016090634W WO 2017012542 A1 WO2017012542 A1 WO 2017012542A1
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WO
WIPO (PCT)
Prior art keywords
merchant
payment
service system
user
dimensional code
Prior art date
Application number
PCT/CN2016/090634
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English (en)
Chinese (zh)
Inventor
焦若筠
希罗科夫•瓦勒里
Original Assignee
焦若筠
希罗科夫•瓦勒里
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.)
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Application filed by 焦若筠, 希罗科夫•瓦勒里 filed Critical 焦若筠
Priority to CN201680042103.1A priority Critical patent/CN108027925B/zh
Publication of WO2017012542A1 publication Critical patent/WO2017012542A1/fr

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • 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
    • G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by 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
    • G06Q20/30—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
    • G06Q20/326—Payment applications installed on the mobile devices

Definitions

  • the invention belongs to the field of cardless payment transactions. More specifically, the present invention is a consumer-oriented system for displaying cardless payment by displaying a two-dimensional code to a merchant cash register.
  • a physical credit card with a magnetic stripe is used to swipe the merchant's magnetic stripe card reader to authorize it, which is also part of the point-of-sale device.
  • An electronic payment request is sent to the credit card processor in the magnetic stripe card reader.
  • the credit card processor sends the payment request to a bank card network, such as a Visa or MasterCard network center, and sends the request to the card issuer, such as a bank. Assuming the card issuer approves the transaction, an approval transaction signal is sent to the merchant.
  • Some of these transactions will also involve other payment networks or vendors. If this happens, the cardholder needs to swipe multiple times.
  • Another common shopping payment technology is online shopping, such as browsing a merchant's website using a web browser. If the consumer is already in the merchant's store, it should not be paid in the form of online shopping.
  • This cash register does not occupy the physical space of the merchant, and does not require a physical POS system or a mobile electronic device to implement cardless transactions.
  • the invention is a method and system for realizing cardless payment for a merchant without placing an entity cash register in the store.
  • the invention includes 1) a static, printable merchant account QR code that the merchant can easily copy. 2) A graphical user interface that allows customers to pay for merchants. Customers can scan static QR codes or electronic codes. 3)
  • the system described in the second item allows consumers to make payments in physical merchant stores or remote payments through network merchant ports. 4) A system that allows merchants to verify that the payment behavior on the consumer's mobile phone is correct. Simply enter a password in the consumer's mobile phone to confirm, and the merchant does not need to configure additional equipment. 5) After the merchant verifies the payment, the mobile electronic device receives the confirmation information and sends it to the payer for authorization.
  • Verify the payment system the merchant can check whether the payment behavior of the consumer is completed by the notification information on the consumer's mobile phone.
  • the payment verification system can store the transaction information in a third-party server, and the merchant can obtain the transaction information by registering the merchant user and logging in. Register the account with your email.
  • the present invention adopts the following technical solutions.
  • a cardless payment method using a two-dimensional code comprising the steps of:
  • the payment service system includes a mobile application server and/or a security server;
  • the input verification code matches the preset verification code, and the payment service system successfully processes the transaction; or the input verification code does not match the preset verification code, then the payment service system prompts to input the correct verification code, repeating 4 ), 5) and 6) steps.
  • the payment service system displays the receipt on the user device and generates an email to send the receipt to the merchant and the user.
  • the cardless payment method using a two-dimensional code according to any one of (1) to (13), wherein the mobile application server processes non-secure information, the non-secure information including a merchant address and a telephone number;
  • the server processes security information including credit card numbers, debit card numbers, bank accounts, user accounts, and/or user identity information.
  • a cardless payment system using a two-dimensional code comprising a payment service system, a user equipment, a merchant QR code, a payment port, a payment processor, and a merchant bank account; the payment service system separately with a payment port, and a payment The processor and the merchant bank account are connected; the user equipment is connected to the payment service system via the Internet.
  • the cardless payment system using a two-dimensional code according to any one of (18) to (27), wherein the mobile application server processes non-secure information, the non-secure information including a merchant address and a telephone number;
  • the security server processes security information including credit card numbers, debit card numbers, bank accounts, user accounts, and/or user identity information.
  • a cardless payment method using a two-dimensional code comprising the steps of:
  • the payment service system includes a mobile application server and/or a security server;
  • the payment service system displays the receipt on the user device and generates an email to send the receipt to the merchant and the user.
  • a cardless payment method using a two-dimensional code according to any one of claims (29) to (34), wherein the payment service system is connected to a payment port, a payment processor, and a merchant bank account, respectively.
  • a cardless payment method using a two-dimensional code according to any one of claims (29) to (35), wherein the payment port stores a credit card number or a debit card code.
  • the system disclosed by the present invention allows a merchant to implement cardless payment by scanning a two-dimensional code without having to configure an physical cash register in the store.
  • cardless payment is realized, which greatly reduces the expensive cost of the merchant's configuration of the relevant cash register equipment, and also reduces the store space occupied by the equipment.
  • consumers or consumers in a physical storefront can pay for cards without paying by scanning a QR code containing a merchant account.
  • the printed account QR code can be placed in multiple places in the store so that different consumers can pay at the same time.
  • the number of cash registers limits the speed of payment when multiple consumers need to pay or have more payment orders.
  • a merchant account is created through a third party, the merchant may need to provide information about its business, such as a business address, email address, phone number, bank account, and the like.
  • Third parties (such as mobile app developers) may use this information to create a merchant account, in which case the third party will pay to the merchant via direct deposit or through a payment processor like Dwolla. This merchant account also authorizes third parties.
  • the merchant or consumer can enter the corresponding order payable amount.
  • Merchants can get the total order amount through traditional paper and pencil calculations, computers or traditional POS systems.
  • the mobile phone will connect to the third-party server, and the merchant must input the merchant verification code to indicate that the amount is agreed and passed the settlement.
  • consumers can use the user interface on their phone to pay a tip other than the order amount. Not only that, but consumers' mobile phones can also automatically calculate taxes based on the region where the merchant is located.
  • Entering the merchant confirmation code means that the merchant agrees to the payment amount initiated by the consumer, of course, the amount is agreed by both parties.
  • the merchant code needs to be consistent with the merchant code of the third-party system, and the transaction will be authorized after the entered merchant code matches the code in the third-party database. If the code entered by the merchant does not match the code of the third-party system, the transaction will not be authorized, the consumer's mobile phone will receive the reminder, and then ask the merchant to re-enter the correct code.
  • the merchant code may be the fingerprint of an employee or store manager, and in this way, the transaction can also be authorized. Sometimes the store owner may trust the consumer, let the consumer enter the merchant code and use the confirmation page to verify the consumer's payment. Merchants can confirm the completion of the transaction by receiving an email reminder.
  • Figure 1 is a simplified diagram of a cardless payment system architecture.
  • Figure 2 is a flow chart of a cardless payment system.
  • 100 is a user equipment
  • 102 is a merchant QR code
  • 104 is the Internet
  • 106 is a payment port
  • 108 is a payment service system
  • 110 is a mobile application server
  • 112 is a security server
  • 114 is a user account or a merchant account
  • 116 For the payment processor, 118 is the merchant bank account.
  • a cardless payment method using a two-dimensional code includes the following steps:
  • the payment service system includes a mobile application server and/or a security server;
  • the input verification code matches the preset verification code, and the payment service system successfully processes the transaction; or the input verification code does not match the preset verification code, then the payment service system prompts to input the correct verification code, repeating 4 ), 5) and 6) steps.
  • the payment service system displays the receipt on the user device and generates an email to send the receipt to the merchant and the user.
  • the user registers the user account in the payment service system, and the merchant registers the merchant account in the payment service system; the user inputs the user bank account information in the payment service system and is associated with the user account, and the merchant inputs the merchant bank account information in the payment service system and is associated with the merchant account.
  • the payment service system automatically recognizes and inputs bank account information by photographing, or the payment service system recognizes and manually selects a bank card that has been bound on the mobile device, other website or application.
  • the verification code is a fingerprint.
  • the merchant QR code is associated with a merchant bank account.
  • the merchant QR code is generated by the payment service system prior to the transaction.
  • the merchant QR code is displayed in the merchant store.
  • the number of the merchant two-dimensional codes is at least one, and the payment service system simultaneously processes transactions corresponding to different merchant two-dimensional codes.
  • the merchant creates more than one merchant QR code on different tables, so that the merchant can know the order of the order, the customer's seat, and can handle multiple payment transactions without setting up multiple devices.
  • the payment service system is respectively connected to a payment port, a payment processor, and a merchant bank account.
  • the payment port stores a credit card number or a debit card code.
  • the payment service system is connected to the user equipment via the Internet.
  • the mobile application server processes non-secure information including a merchant address and a phone number; the security The server processes security information including credit card numbers, debit card numbers, bank accounts, user accounts, and/or user identity information.
  • the user device is a handheld computer device or a portable electronic device or a smartphone or tablet that can be installed using a mobile phone application.
  • the gift giver is sent to the recipient by creating a specific limit account, and the recipient opens the gift link to launch the mobile application, performing the steps described in (1).
  • the gift giver sends the gift to the recipient by creating a specific limit account, and the recipient opens the gift link and jumps to the web browser to perform the steps described in (1).
  • a cardless payment system using a two-dimensional code includes a payment service system 108, a user device 100, a merchant QR code 102, a payment port 106, a payment processor 116, and a merchant bank account 118.
  • the payment service system 108 includes a mobile application server 110 and/or a secure server 112.
  • the payment service system 108 is coupled to a payment port 106, a payment processor 116, and a merchant bank account 118, respectively; the user device 100 is coupled to the payment service system 108 via the Internet 104.
  • the user registers the user account in the payment service system, and the merchant registers the merchant account in the payment service system; the user inputs the user bank account information in the payment service system and is associated with the user account, and the merchant inputs the merchant bank account information in the payment service system and is associated with the merchant account.
  • the user device is a handheld computer device or a portable electronic device or a smartphone or tablet that can be installed using a mobile phone application.
  • the merchant QR code is associated with a merchant bank account.
  • the merchant QR code is generated by the payment service system prior to the transaction.
  • the merchant QR code is displayed in the merchant store.
  • the number of the merchant two-dimensional codes is at least one, and the payment service system simultaneously processes transactions corresponding to different merchant two-dimensional codes.
  • the merchant creates more than one merchant QR code on different tables, so that the merchant can know the order of the order, the customer's seat, and can handle multiple payment transactions without setting up multiple devices.
  • the payment port stores a credit card number or a debit card code.
  • the mobile application server processes non-secure information including a merchant address and a phone number; the security server processes security information including a credit card number, a debit card number, a bank account, a user account, and/or a user Identity Information.
  • a cardless payment method using a two-dimensional code comprising the following steps:
  • the payment service system includes a mobile application server and/or a security server;
  • the payment service system displays the receipt on the user device and generates an email to send the receipt to the merchant and the user.
  • the user registers the user account in the payment service system, the merchant registers the merchant account in the payment service system; the user inputs the user bank account information in the payment service system and is associated with the user account, and the merchant inputs the merchant bank account letter in the payment service system.
  • the interest is associated with the merchant account.
  • the payment service system automatically recognizes and inputs bank account information by photographing, or the payment service system recognizes and manually selects a bank card that has been bound on the mobile device, other website or application.
  • the merchant QR code is associated with a merchant bank account.
  • the merchant QR code is generated by the payment service system prior to the transaction.
  • the payment service system is respectively connected to a payment port, a payment processor, and a merchant bank account.
  • the payment port stores a credit card number or a debit card code.
  • the payment service system is connected to the user equipment via the Internet.
  • the system disclosed in this application enables a user to purchase a physical item in a merchant store, even if there is no physical cash register in the merchant store, the consumer can use the cardless payment to conduct the transaction.
  • a user can use a financial account to conduct a transaction without providing an entity payment card to the merchant.
  • the invisible cash register in the merchant's point of sale does not have to be physically located in the merchant's store, but the merchant can receive a reminder notification that each consumer makes a secure payment in the store.
  • the user From the user's point of view, the user first has to register an account with no card payment system.
  • the registration process needs to provide specific information, such as a financial account sufficient to complete the payment transaction, and if a credit card account is provided, then credit card information, such as a credit card number and expiration date, is required.
  • credit card information such as a credit card number and expiration date
  • the user wants to redeem a gift from a friend, there is no need to enter a specific payment information.
  • the end user he or she will recommend other payment methods, such as debit cards, prepaid cards, bank accounts or other third party financial accounts.
  • the registration process may require contact information from the user, such as an address or email address and other identifying information.
  • the merchant first needs to register an account without card payment.
  • the registration process also requires specific business information, such as the merchant's address, email address, merchant type, name, mobile phone number, and financial account that can make direct deposits. Sometimes it can be a void check or a direct deposit by sending an email.
  • Third party account After the merchant account is created, the cardless payment system (we or Dollop) can create a QR code for the Dollop account of the merchant and also create a merchant verification code or stamp.
  • the user can scan the Dollop QR code in the merchant store. After scanning, the user's mobile phone will prompt you to display the amount to be paid. They can enter the corresponding payment amount and press OK. When the user verifies the amount they paid, the mobile app prompts the merchant to enter a verification code to verify the payment. The merchant needs to check if the user has entered the correct amount due and then enter the verification code to confirm the payment.
  • the server completes the payment activity according to the user's financial information, and does not need to present the entity payment card to directly collect the amount due from the user's financial account, and the amount is agreed by the merchant.
  • both the user and the merchant will receive the receipt, and the mobile app will display a payment confirmation on the user's mobile phone.
  • the user can immediately show the merchant that the payment has been paid. If not displayed, the user can ask the merchant to enter the verification PIN again. Therefore, no card payment can be realized in the merchant store without the physical merchant cash register.
  • FIG. 1 is a schematic structural diagram of a cardless payment system that does not require a physical merchant cash register.
  • the entire system includes user equipment 100, Internet 104, merchant QR code 102 (no need to connect to the Internet or a POS system).
  • the merchant QR code 102 can be easily copied and displayed in multiple places in the store, helping users to trade, without the need to connect to the Internet or POS system to handle cardless payments.
  • the user's device 100 is a removable computer device, such as a handheld computer device or a portable electronic device that can be installed using a mobile phone application, or a smart phone or tablet.
  • the merchant QR code 102 is not a computer device, but needs to be connected to a merchant account that has a cardless payment processor. This will eliminate physical devices and even wireless networks, and will enable all consumers using smartphones to implement card-free payments in all stores.
  • the cardless payment processor operator runs a cardless payment system.
  • the user device 100 and the merchant QR code 102 representing the merchant bank account 118 can communicate with the payment service system 108 using the Internet 104.
  • the payment service system 108 includes a mobile application server 110 and a secure server 112 that can handle all transactions between all of the user devices 100 and the merchant bank account 118.
  • the merchant bank account 118 is associated with the merchant QR code 102.
  • the mobile application server 110 can process non-secure information, for example, he can store public information of the merchant, such as a business address or telephone number.
  • the mobile application server 110 is also responsible for transferring or updating the user application of the user's mobile device.
  • the mobile application server 112 is responsible for pushing merchant information about the provided payment service system 108 to the user.
  • the secure server 112 can handle security information such as credit card numbers, debit card numbers, bank accounts, user accounts, user identity information, or other sensitive information.
  • security server does not store a specific credit card number, but may store the payment information through the third party payment port 106, so that the user information fragment will be saved in the form of a separate authentication code like Auth. .net is in the payment port 106, but does not leave the original credit card information.
  • Sensitive information is not stored on our cardless payment system 108, but is stored on the service provider of the payment port 106.
  • Payment service system 108 can communicate electronically with payment processor 116, such as: Paypal, Dwolla, and the like. This allows deposits to be deposited directly into the merchant bank account 118, which is also associated with the payment service system 108.
  • the security server 112 displays the reconciliation information of the payment service system 108 and the merchant bank account 118, and the security server 112 can save the merchant account 114 and the user account 114.
  • the user Before the user and the merchant use the cardless payment system to conduct the transaction, the user must establish a user account at the payment service system 108, and the merchant must also establish a merchant account at the payment service system 108.
  • Users can register their user accounts using a mobile app or website, or they can use a mobile device or other computer device, such as a computer at home.
  • the user application is downloaded to the user device 100, for example, the application is downloaded in the application store.
  • User accounts can also be created through user applications or other applications, such as a universal web browser.
  • the user needs to enter a name, account password and contact information, such as an email address.
  • financial account information may include the user's credit card opening line, credit card number, expiration date, and possibly a credit card security code (CVV) and a communication address.
  • CVV credit card security code
  • the mobile phone application can be used to capture information about the user's credit card to obtain reliable payment source information, thus streamlining the process of entering the user's financial information in the payment service system 108.
  • the user can enter financial account information on the mobile device and select a card that is bound to the mobile device, other website, or application.
  • Merchants can use any mobile device other than a home computer or storefront, or a mobile device or computer system in the store to register a merchant account.
  • the merchant must enter the name, account password and contact information, such as email address, store information, storefront address, etc., into the payment service system 108.
  • the merchant may also enter additional information into the payment service system 108, such as a list of services or merchandise that may be provided, hours of operation, mobile phone numbers, small trademarks or logos, and the like.
  • the data associated with the merchant account 114 is stored in the secure server 112, such as a database.
  • the payment service system 108 Prior to the transaction, the payment service system 108 generates a merchant QR code 102 containing merchant account information, including information that has been created and deposited directly into the merchant bank account 118.
  • the printed merchant QR code 102 must be placed throughout the merchant's store for display. You can also sign up and create a merchant account through the merchant app or web browser.
  • the merchant needs to enter the financial account information that can receive the payment to the payment service system. For example, if you make With a bank account, the user can enter a bank account number and a bank code. Nonetheless, a merchant's financial account can be associated with a credit card account or other third-party financial account, such as Dwolla and Paypal. Additionally, in some cases, if the merchant does not enter financial account information, the payment service system 108 can retain funds until the merchant provides bank account information.
  • the process of cardless payment system processing includes the user's mobile device 100, application server 110, and/or security server 112, associated with the merchant two-dimensional code 102.
  • the payment service system can set up and collect a communication record between the user equipment 100 and the merchant QR code 102.
  • the payment service system includes an application server 110 and/or a security server 112. Communication between servers can be encrypted using the security protocols of the user device, the server system, and the merchant account or merchant device. In some cases, the process can be performed by the user mobile device and the application installed on the merchant mobile device.
  • the user device scans the merchant QR code 102 (200 steps) in the merchant store.
  • the payment service system including the application server 110 and/or the security server 112 will pop up a message on the user device: "Please input the total amount payable to the merchant A" (step 204).
  • the amount of the consumer is verbally informed (step 202).
  • the user then enters the order amount on the mobile device 100 (step 206).
  • the payment service system will pop up the merchant verification code input indication on the user equipment, and the merchant can input the verification code to the user mobile device.
  • the merchant owner or employee After confirming the amount entered by the user, the merchant owner or employee inputs the user device 100 and then inputs the PIN code to the user device (step 210). If the merchant enters the PIN code into the user device 100 and successfully matches the merchant PIN code set between the previous cardless payment system 108 and the merchant, the payment service system can successfully process the transaction (step 214). After the cardless transaction between the user and the merchant is successfully processed, the payment service system displays the receipt on the user device, so that the merchant can detect that the order payment has been successful, and the completed cardless transaction generates an email receipt to the merchant and the user. . If the entered merchant PIN does not match the merchant PIN stored by the payment service system, the payment service system displays the information on the user's mobile device.
  • step 222 "Please enter the correct merchant verification code" (step 222). If the transaction fails due to excess credit card limit or insufficient balance in the financial account, the payment service system notifies the user on the user device and prompts the transaction to be unsuccessful. Merchants can also propose a different payment method for consumers.
  • the gift giver may pay for the recipient through this cardless payment system.
  • the gift giver can set a ceiling, such as a gift of up to $6.
  • the recipient will then receive the gift via email or SMS on his mobile device and will also launch the mobile client.
  • the recipient can redeem the gift by scanning the QR code of any merchant account with or without card payment service and enter the price of the order payable.
  • the server system will ask the merchant to enter the merchant PIN after confirming the order amount entered by the recipient. If the merchant PIN matches the two-dimensional code scanned by the user, the transaction is passed.
  • Gift givers, recipients, and merchants receive an electronic receipt from a text message, email, or mobile client.
  • the gift link sent by the gift giver to the recipient will jump to the web browser and request to upload the photo of the merchant's QR code.
  • the recipient After the QR code photo is uploaded to the cardless payment server, the recipient will be prompted to explain how much the gift can be redeemed in the merchant (step 206), as shown in Figure 2.
  • the server will remind the merchant to enter the merchant verification code (step 208), as shown in Figure 2.
  • the merchant owner or employee will enter the verification PIN code to the user device after verifying the payment amount, or sometimes verbally provide the PIN code according to the transaction amount (step 210).
  • the server system confirms the merchant's QR code with the merchant code, and the server processes the transaction and sends the receipt to the merchant, giver, and recipient device.
  • the recipient will be prompted to indicate that the gift can only be redeemed at a specific location, and the QR code of the merchant needs to be uploaded to Server system.
  • the information received by the recipient only reflects the amount that is payable to the merchant within the order.
  • the mobile application also reminds the merchant to enter the PIN code to compare with the QR code of the merchant uploaded to the server system. If the PIN codes match, the transaction is made, and the gift giver, the recipient, and the merchant receive a receipt. If the transaction is successful, the recipient's device will also display a reminder that the transaction has passed. The merchant owner or employee can use the reminder as a voucher to confirm that the transaction has been completed.
  • QR codes for merchant accounts on different tables in the store.
  • the QR code not only represents the merchant account, but also the table number information in the store.
  • the ordering system on the iPad has already defined the table number in the merchant's store, the ordering system has a high initial cost and maintenance costs are not low.
  • the following publicly available system allows merchants to order and pay for a specific table number without the need for high hardware investment.
  • Customers can log in to their user device 100 and scan the table number where the merchant QR code is already located. In this case, the user can order from the merchant's menu by simply adding the menu on the menu to the user device 100. Then, the merchant will receive an electronic order reminder via SMS, email or merchant portable mobile devices (such as pagers, phones, tablets), computers or self-service servers. The merchant will see the order, prepare the order and charge the user according to the order amount. And these require merchants to connect to wireless networks or move data.
  • the bound financial account will immediately deduct the corresponding amount.
  • the device prompts the confirmation message "Do you want to pay the $X amount of the order fee?"
  • the confirmation button is pressed, the confirmation transaction is passed, and the corresponding amount is directly charged to the user's credit card. If the order price exceeds the credit card limit, the transaction will be rejected. If the order price does not exceed the credit card limit, the transaction will be successful.
  • both the merchant and the user will receive the receipt via email, SMS or reminder on the mobile app.
  • the merchant's device will display that the order has been successfully paid and save the order information to the database, and the merchant can check the order and reconcile in the future.
  • the gift giver can pay the gift to the recipient and use the cardless payment system to send the gift.
  • the recipient can redeem the gift by scanning a specific merchant QR code and place an order in the merchant's store.
  • the order amount must be lower than the credit amount. For example, if the gift giver's limit to the recipient is a $6 redeemable gift, then the recipient may select an item with an order value below the limit, and the merchant will charge the order on the recipient's user device. If the order is less than $6, the transaction passes and the server receives the corresponding merchant bill amount from the giver's credit card. After the server completes this operation through the payment port, the authorization transaction is successful. The merchant will also prepare the order by table number and bring the order to the customer or the recipient, without the need to charge the recipient's account.
  • the merchant will charge the recipient's account for the remaining fee through the cardless payment service. For example, if the recipient's order amount is $7, then the gifter's $6 gift limit is available on the recipient's device, but the app will pop up a message stating that it still needs to pay $1 and remind the recipient if they want to use it. Pay the rest of your account. Once we have confirmed that we have paid the rest of our account, our server will charge the gifter's card. If the credit card is sufficient, the card will be charged $1 and the transaction will be completed. The gift giver will be notified that the gift he has presented has been successfully redeemed. The recipient will also receive a notification that the relevant amount has been paid with his card and the merchant will receive a payment reminder for the total amount.
  • the transaction is passed (eg $5.35) and the remaining funds are returned to the giver's cardless payment system user account.
  • Gift givers can use their account to accumulate amounts or points in any account with a cardless payment system account to pay for their future expenses.

Abstract

L'invention concerne un procédé et un système de paiement sans carte sur la base du code QR. Le procédé comprend les étapes suivantes : un équipement utilisateur (100) balaie un code QR de commerçant (102); un système de service de paiement (108) invite :'' Veuillez entrer un montant à payer'' dans l'équipement d'utilisateur (100), le système de service de paiement (108) comprenant un serveur d'application (110) et/ou un serveur de sécurité (112); introduire un montant de commande dans l'équipement d'utilisateur (100); le système de service de paiement (108) invite :''Veuillez entrer un code de vérification'' dans l'équipement d'utilisateur (100); entrer un code de vérification dans l'équipement d'utilisateur (100); si le code de vérification introduit correspond à un code de vérification prédéfini, le système de service de paiement (108) traite avec succès une transaction; ou bien si le code de vérification introduit ne correspond pas au code de vérification prédéfini, le système de service de paiement (108) invite à entrer un code de vérification correct. Au moyen du procédé et du système de paiement sans carte sur la base du code QR, un commerçant peut réaliser un paiement sans carte sous une forme de balayage d'un code QR sans configuration d'une caisse enregistreuse physique dans un magasin.
PCT/CN2016/090634 2015-07-20 2016-07-20 Procédé et système de paiement sans carte sur la base du code qr WO2017012542A1 (fr)

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CN110610359A (zh) * 2018-06-15 2019-12-24 张开平 一种扫码计费卡券的处理方法
CN110827017A (zh) * 2018-08-11 2020-02-21 何太阳 一种网络支付智能手表电话机及其简易支付方法
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CN108171507A (zh) * 2017-12-29 2018-06-15 广东汇卡商务服务有限公司 一种二维码支付交易处理平台
CN110060048A (zh) * 2018-01-19 2019-07-26 澧达科技股份有限公司 免读卡交易系统及操作免读卡交易系统的方法
CN110060048B (zh) * 2018-01-19 2023-08-04 澧达科技股份有限公司 免读卡交易系统及操作免读卡交易系统的方法
CN110610359A (zh) * 2018-06-15 2019-12-24 张开平 一种扫码计费卡券的处理方法
CN110827017A (zh) * 2018-08-11 2020-02-21 何太阳 一种网络支付智能手表电话机及其简易支付方法
CN111950661A (zh) * 2019-05-14 2020-11-17 阿里巴巴集团控股有限公司 二维码的展示方法及装置
CN110855691A (zh) * 2019-11-19 2020-02-28 中国银行股份有限公司 信息处理方法、装置及系统
CN110855691B (zh) * 2019-11-19 2022-07-05 中国银行股份有限公司 信息处理方法、装置及系统
CN112612559A (zh) * 2020-11-23 2021-04-06 捷德(中国)科技有限公司 消息处理方法、装置、电子设备及存储介质
CN112884510A (zh) * 2021-02-10 2021-06-01 深兰科技（上海）有限公司 信息推送方法、装置、设备及计算机可读存储介质
CN113112712A (zh) * 2021-04-23 2021-07-13 江苏星卡华蓝信息科技有限公司 一种用于商户的无线pos机及其相应支付系统

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