WO2019196543A1

WO2019196543A1 - Barcode image acquiring method, device, and equipment

Info

Publication number: WO2019196543A1
Application number: PCT/CN2019/073833
Authority: WO
Inventors: 张仕奇
Original assignee: 阿里巴巴集团控股有限公司
Priority date: 2018-04-10
Filing date: 2019-01-30
Publication date: 2019-10-17
Also published as: TW201944315A; CN108764886A

Abstract

A barcode image acquiring, barcode generating, and payment service processing method, device, and equipment. The solution comprises: a user generates on a client a payment-enabling and rechargeable barcode image and gives the barcode image to be used by another person such as a family member, as such, the need for that other person to rely on a payment account of self is obviated, and a code-scanning payment can be made simply by showing the barcode image to a payee.

Description

Method, device and device for acquiring two-dimensional code picture

Cross-reference to related applications

The present application claims priority to Chinese Patent Application No. 201101317747.8, the entire disclosure of which is incorporated herein by reference. Incorporated herein.

Technical field

The present specification relates to the field of computer software technology, and in particular, to a two-dimensional code picture acquisition, a two-dimensional code generation, a payment service processing method, an apparatus, and a device.

Background technique

The popularity of smartphones has brought convenience to people's lives, and various services can be performed accordingly by using various applications on smartphones.

The payment application is an application frequently used by users at present. Users need to download and install the payment application on the smartphone, register and log in to their own payment account, and bind the bank card to the payment account. After that, the payment is only generated in the payment application. The payment QR code for self-use, the payment QR code is presented to the payee, the payee scans the code, and the payment server performs corresponding processing to complete the payment.

Based on the prior art, a more convenient payment scheme is needed.

Summary of the invention

The embodiment of the present specification provides a two-dimensional code picture acquisition, a two-dimensional code generation, a payment service processing method, a device, and a device, to solve the following technical problem: a more convenient payment solution is needed.

In order to solve the above technical problem, the embodiment of the present specification is implemented as follows:

A method for acquiring a two-dimensional code picture provided by an embodiment of the present disclosure includes:

Receiving authorization amount information input by the user;

Sending a two-dimensional code generation request to the server according to the authorization amount information;

And receiving, by the receiving server, the two-dimensional code generated and returned according to the authorized amount information, to obtain a picture including the two-dimensional code, wherein the two-dimensional code can be used to pay the amount corresponding to the authorized amount information.

A method for generating a two-dimensional code provided by an embodiment of the present specification includes:

Receiving a QR code generation request sent by the client according to the authorization amount information input by the user;

Generating and returning a two-dimensional code according to the authorized amount information, wherein the two-dimensional code can be used to pay an amount corresponding to the authorized amount information.

A payment service processing method provided by an embodiment of the present disclosure includes:

Receiving a debit request sent by the payee device by scanning a two-dimensional code as described above;

Determining whether the remaining payable amount of the two-dimensional code is not less than the deduction amount corresponding to the debit request;

If so, the remaining payable amount is debited and the debit result is returned to the merchant device.

A two-dimensional code picture acquiring device provided by an embodiment of the present disclosure includes:

The first receiving module receives the authorization amount information input by the user;

The requesting module sends a two-dimensional code generation request to the server according to the authorized amount information;

a second receiving module, which receives a two-dimensional code generated and returned by the server according to the authorized amount information, to obtain a picture including the two-dimensional code, wherein the two-dimensional code can be used to pay the corresponding amount of the authorized amount information. Amount.

A two-dimensional code generating apparatus provided in an embodiment of the present disclosure includes:

The receiving module receives a two-dimensional code generation request sent by the client according to the authorized amount information input by the user;

Generating a return module, generating and returning a two-dimensional code according to the authorized amount information, wherein the two-dimensional code can be used to pay an amount corresponding to the authorized amount information.

A payment service processing apparatus provided by an embodiment of the present disclosure includes:

The receiving module receives the debit request sent by the payee device by scanning the above two-dimensional code;

a determining module, determining whether the remaining payable amount of the two-dimensional code is not less than the deduction amount corresponding to the debit request;

And the debiting module, if the judgment result of the judging module is yes, deducting the remaining payable amount, and returning the deduction result to the merchant device.

A two-dimensional code picture acquiring device provided by the embodiment of the present disclosure includes:

At least one processor; and,

a memory communicatively coupled to the at least one processor; wherein

The memory stores instructions executable by the at least one processor, the instructions being executed by the at least one processor to enable the at least one processor to:

Receiving authorization amount information input by the user;

Receiving, by the receiving server, the two-dimensional code generated and returned according to the authorized amount information, obtaining a picture including the two-dimensional code, wherein the two-dimensional code can be used to pay the amount corresponding to the authorized amount information.

A two-dimensional code generating device provided by the embodiment of the present specification includes:

At least one processor; and,

a memory communicatively coupled to the at least one processor; wherein

A payment service processing device provided by an embodiment of the present disclosure includes:

At least one processor; and,

a memory communicatively coupled to the at least one processor; wherein

Receiving a debit request sent by the payee device by scanning the above two-dimensional code;

The above at least one technical solution adopted by the embodiment of the present specification can achieve the following beneficial effects: enabling a user to obtain a payable and refillable two-dimensional code at the client, and can give the two-dimensional code to other people such as family members, Others do not need to rely on their own payment account, and present the QR code to the payee to pay, thereby providing the other person with a simple and convenient and lightweight payment solution.

DRAWINGS

In order to more clearly illustrate the embodiments of the present specification or the technical solutions in the prior art, the drawings to be used in the embodiments or the description of the prior art will be briefly described below. Obviously, the drawings in the following description are only It is a few embodiments described in the present specification, and other drawings can be obtained from those skilled in the art without any creative work.

FIG. 1 is a schematic diagram of the overall principle of the solution of the present specification in a practical application scenario;

FIG. 2 is a schematic flowchart diagram of a method for acquiring a two-dimensional code picture according to an embodiment of the present disclosure;

FIG. 3 is a schematic flowchart diagram of a method for generating a two-dimensional code according to an embodiment of the present disclosure;

4 is a schematic flowchart of a method for processing a payment service according to an embodiment of the present disclosure;

FIG. 5 is a schematic diagram of a multi-party interaction process when a payable refillable two-dimensional code is generated in an actual application scenario according to an embodiment of the present disclosure;

FIG. 5 is a schematic diagram of a multi-party interaction process when a two-dimensional code payment that can be recharged can be paid in an actual application scenario according to an embodiment of the present disclosure;

FIG. 6 is a schematic diagram showing the effect of some client pages involved in the foregoing interaction process according to an embodiment of the present disclosure;

FIG. 7 is a schematic structural diagram of a two-dimensional code picture acquiring apparatus corresponding to FIG. 2 according to an embodiment of the present disclosure;

FIG. 8 is a schematic structural diagram of a two-dimensional code generating apparatus corresponding to FIG. 3 according to an embodiment of the present disclosure;

FIG. 9 is a schematic structural diagram of a payment service processing apparatus corresponding to FIG. 4 according to an embodiment of the present disclosure.

detailed description

Embodiments of the present specification provide a two-dimensional code picture acquisition, a two-dimensional code generation, a payment service processing method, apparatus, and device.

In order to make those skilled in the art better understand the technical solutions in the present specification, the technical solutions in the embodiments of the present specification will be clearly and completely described in the following with reference to the accompanying drawings in the embodiments of the specification. The embodiments are only a part of the embodiments of the present application, and not all of them. All other embodiments obtained by a person of ordinary skill in the art based on the embodiments of the present specification without departing from the inventive scope shall fall within the scope of the application.

As can be seen from the background art, users often need to carry out a series of cumbersome and heavy pre-operations to realize subsequent payment. However, in practical applications, it is often difficult for some middle-aged or elderly people to perform the pre-operations. The scheme of the present specification provides a more convenient payment scheme for such groups, so that such groups need not be executed. The above pre-operations can also quickly have offline cashless payment capabilities.

FIG. 1 is a schematic diagram of the overall principle of the solution of the present specification in a practical application scenario. The program mainly involves the four parties, the equipment of a user, the payer, the equipment of the payee, and the server. The user needs to have his own payment account. The user's device interacts with the server based on its payment account to obtain a two-dimensional code picture. The two-dimensional code in the two-dimensional code picture can be used for payment, and the two-dimensional code is customized by the user at the time of generation. The payable amount can also allow the QR code to be subsequently recharged; the user can share the QR code picture to the payer for payment, and the payer is, for example, the above-mentioned group, so that the payer does not need to perform the above pre-operation, when paying Simply present the QR code image to the payee; the payee device scans the QR code image to obtain the scan result and complete the payment by interacting with the server.

The scheme of the present specification will be described below mainly based on the above principles.

FIG. 2 is a schematic flowchart diagram of a method for acquiring a two-dimensional code picture according to an embodiment of the present disclosure, which is described from the perspective of a device of a certain user. The process may be performed by a user's device (eg, a mobile phone, etc.), and from a program perspective, may be performed by a client of an application having a payment function on the user's device.

The process in Figure 2 can include the following steps:

S202: Receive authorization amount information input by the user.

In the embodiment of the present specification, the authorization amount information indicates that the user is a custom payable amount for the two-dimensional code to be requested to be generated. The QR code payment is based on the payment account authorization. The payment amount can be pre-charged by the user's payment account or credit guarantee. In the latter case, the payment can be debited from the payment account when payment is made through the QR code or after payment. It is not necessary to recharge first.

In the embodiment of the present specification, the user may be allowed to input more information for defining the two-dimensional code, such as name, expiration date, custom password, whether recharge is allowed, available scene, contact information, and the like.

S204: Send a two-dimensional code generation request to the server according to the authorization amount information.

In the embodiment of the present specification, the process of the client requesting the server to generate the two-dimensional code may include one or more interactions between the client and the server. In at least one of the interactions, the client sends the authorization amount information to the client. Server. Other information input by the user may also be sent by the client to the server in the interaction.

In the embodiment of the present specification, for security reasons, the client or the server may perform identity verification on the user (for example, verifying the user's login password or payment password, etc.), and then perform subsequent interaction for generating the two-dimensional code.

S206: The two-dimensional code generated and returned by the server according to the authorized amount information is obtained, and a picture (that is, a two-dimensional code picture) including the two-dimensional code is obtained, where the two-dimensional code can be used to pay the The amount corresponding to the authorized amount information.

In the embodiment of the present specification, the form of the two-dimensional code generated and returned by the server is not limited, and may be only the code value of the two-dimensional code, or may be a two-dimensional code picture. In the former case, after receiving the code value, the client generates a two-dimensional code picture including the code value according to the code value conversion.

The generated two-dimensional code picture is similar to the stored value card, and can be used by the user for payment, or can be given to others for payment by the user. The two-dimensional code picture can be placed on the mobile phone in electronic form, or can be used in two dimensions. The code picture is printed out in physical form without relying on the device, and the usage method is scan code payment. Even if the two-dimensional code picture is used by another person, the user may not need to input the password when using, unless the user or the other person specifically sets the use password for the payment purpose of the two-dimensional code picture, and in the case of using the password, When scanning the code, the user needs to enter the password on the device of the payee.

Further, in order to facilitate the user to specify the long-term use of the above two-dimensional code, the user may also be allowed to recharge the two-dimensional code. In addition, it is possible to allow the loss or deactivation of the above two-dimensional code, so as to avoid a greater loss to the user when the two-dimensional code leaks or an abnormal transaction occurs.

Through the method of FIG. 2, the user can obtain a payable and rechargeable two-dimensional code on the client, and can give the two-dimensional code to other people such as family members, and the other person does not need to rely on his own payment account. The payment can be paid by presenting the two-dimensional code, thereby providing the other person with a simple and convenient and lightweight payment solution.

Based on the method of FIG. 2, the embodiments of the present specification further provide some specific implementations of the method, and an extended solution, which will be described below.

In the embodiment of the present specification, after the obtaining the picture including the two-dimensional code, the method may further be performed: sending the picture to another device, so that the user specified by the user uses an electronic form or an entity. The form of the picture contains a two-dimensional code for payment. Another device is, for example, the other person's mobile phone, or it may be a printer (to print a physical two-dimensional code picture) or the like.

In the embodiment of the present specification, as already mentioned, the two-dimensional code can also be allowed to be recharged. In this case, for the step S206, after the picture containing the two-dimensional code is obtained, the user may perform a corresponding refill operation on the client, and the client receives the recharge amount information input by the user for the two-dimensional code, and further The two-dimensional code refill request may be sent to the server according to the refill amount information to recharge the two-dimensional code.

Based on the same idea, a schematic flowchart of a method for generating a two-dimensional code according to an embodiment of the present specification is described from the perspective of a server, as shown in FIG. 3 . The server may specifically be the server of the above-mentioned application with payment function.

The process in Figure 3 can include the following steps:

S302: Receive a two-dimensional code generation request sent by the client according to the authorization amount information input by the user.

S304: Generate and return a two-dimensional code according to the authorized amount information, wherein the two-dimensional code can be used to pay an amount corresponding to the authorized amount information.

In the embodiment of the present specification, the two-dimensional code has a determined payable amount, and from the perspective of the asset, the two-dimensional code correspondingly represents a piece of value-determined asset. With the payment, recharge and other operations involved in the two-dimensional code, it is necessary to manage the assets represented by the two-dimensional code (for example, increase or decrease assets, return assets to the payment account, etc.), so that the assets change accordingly.

Based on the analysis in the previous paragraph, specifically, for the step S304, the generating and returning the two-dimensional code according to the authorized amount information may include: creating an asset identifier in response to the two-dimensional code generation request; In the payment account, the amount corresponding to the authorized amount information is frozen or deducted, and the amount is associated with the asset identifier; and the two-dimensional code is generated and returned according to the asset identifier, wherein the two-dimensional code is used for payment The amount is deducted from the amount associated with the asset identification.

Based on the same idea, the embodiment of the present specification further provides a schematic flowchart of a payment service processing method. From the perspective of the foregoing server, the above-mentioned two-dimensional code is used for the action of the server at the time of payment, as shown in FIG. 4 .

The process in Figure 4 can include the following steps:

S402: Receive a debit request sent by the payee device by scanning the above two-dimensional code.

S404: Determine whether the remaining payable amount of the two-dimensional code is not less than the deduction amount corresponding to the deduction request.

S406: If yes, deducting the remaining payable amount and returning the deduction result to the merchant device.

In the embodiment of the present specification, if the result of the determination in step S404 is no, the subsequent payment process may be rejected, or the remaining deductible amount may be used for partial deduction, and the insufficient portion may be debited through other payment channels.

According to the above description, the embodiment of the present specification further provides a schematic diagram of a multi-party interaction process for generating and paying a rechargeable two-dimensional code in an actual application scenario, as shown in FIG. 5a and FIG. 5b, respectively.

In Figure 5a, the server includes a device information platform, a code platform, a voucher platform, a checkout counter, and the like. A multi-party interaction process in the generation of the two-dimensional code mainly includes: when the user wants to obtain the above two-dimensional code, fill in the amount and user information on the client; the client sends the information filled by the user to the device information platform; the device information platform Requesting the voucher platform to create a voucher, and returning the voucher identification (as the above-mentioned asset identification); the device information platform returns a refill identification to the client according to the voucher identification; the client requests recharge (and the pre-charge value described above) from the cashier according to the refill identification. The recharge amount is the amount filled by the previous user; after the recharge is successful, the device information platform creates a two-dimensional code and returns it to the device information platform; the device information platform notifies the client that the recharge is successful; the client obtains the code of the two-dimensional code from the device information platform. The value is converted to a QR code image for display to the user.

In Figure 5b, the server includes a code platform, protocol payment, etc., and the payee is a merchant. A multi-party interaction process when the two-dimensional code is paid mainly includes: if the payment party has obtained the above-mentioned two-dimensional code from the user, presenting at the merchant to pay, the merchant scans the two-dimensional code; and the merchant collects the system analysis code. The value is sent to the code platform; the code platform returns corresponding user information to the merchant acquiring system; the merchant acquiring system further implements payment by the payer based on the agreement payment.

Further, the embodiment of the present specification further provides a schematic diagram of some client page effects involved in the foregoing interaction process, as shown in FIG. 6a to FIG. 6d. Some information such as a mobile phone number in these figures is not completely shown, but does not affect the pair. The understanding of the effect. In the actual application scenario, it is assumed that the above-mentioned two-dimensional code is referred to as a “change coin code”, and the change code function is implemented by a sub-application called “coin wallet” in the payment application.

In FIG. 6a, two related interfaces for the creation of a change code are shown. In the left interface, the user can fill in the recharge amount (ie, the above-mentioned authorized amount information), and in the right interface, the user has filled in the refill value. The amount is 200 yuan, the user can also fill in the code name, mobile phone number, expiration date and other information. After filling in, click the button "fill money into the change code" to pre-charge the change code to be generated, see Figure 6b.

In FIG. 6b, two related interfaces for creating a change code are shown. In the left interface, the user inputs a payment password to pay for the pre-charge. In the right interface, after the user pays, the change code picture is successfully generated. You can save it in a local album or send it to someone else.

In Figure 6c, the left side shows the main interface of the coin purse, the user can see the profile of each change code that he has created, such as the name, the remaining payable amount, the expiration date, the creation time, etc., the right side shows A recharge interface for the change code named "Merro's pocket money", the recharge interface also shows the consumption record of the change code.

In Figure 6d, the billing details of a fruit consumption paid using the change code in the coin purse are shown.

Based on the same idea, the embodiment of the present specification further provides a device corresponding to the above method, as shown in FIG. 7 to FIG. 9.

FIG. 7 is a schematic structural diagram of a two-dimensional code picture acquiring apparatus corresponding to FIG. 2 according to an embodiment of the present disclosure, and a dotted line box indicates an optional module, where the apparatus includes:

The first receiving module 701 receives the authorization amount information input by the user;

The requesting module 702 is configured to send a two-dimensional code generation request to the server according to the authorized amount information;

The second receiving module 703 is configured to receive a two-dimensional code that is generated and returned by the server according to the authorized amount information, to obtain a picture that includes the two-dimensional code, where the two-dimensional code can be used to pay the corresponding authorized amount information. The amount.

Optionally, the two-dimensional code generation request further carries at least one of the following information used by the user to define the two-dimensional code: a name, an expiration date.

Optionally, the device further includes:

The sending module 704, after the second receiving module 703 obtains the picture that includes the two-dimensional code, sends the picture to another device, so that the user specified by the user uses the picture in an electronic form or an entity form. The included QR code is used for payment.

Optionally, the device further includes:

The refill module 705, after the second receiving module 703 obtains the picture including the two-dimensional code, receives the refill amount information input by the user for the two-dimensional code; and sends the two-dimensional to the server according to the refill amount information. A code refill request to refill the two-dimensional code.

FIG. 8 is a schematic structural diagram of a two-dimensional code generating apparatus corresponding to FIG. 3 according to an embodiment of the present disclosure, where the apparatus includes:

The receiving module 801 receives a two-dimensional code generation request sent by the client according to the authorized amount information input by the user;

The generating return module 802 is configured to generate and return a two-dimensional code according to the authorized amount information, wherein the two-dimensional code can be used to pay an amount corresponding to the authorized amount information.

Optionally, the generating and returning module 802 generates and returns a two-dimensional code according to the authorized amount information, and specifically includes:

The generation returning module 802 creates an asset identifier in response to the two-dimensional code generation request; in the payment account of the user, freezes or deducts the amount corresponding to the authorized amount information, and associates the amount by using the asset identifier To manage the amount; to generate and return a two-dimensional code based on the asset identification, wherein the amount paid using the two-dimensional code is deducted from the amount associated with the asset identification.

FIG. 9 is a schematic structural diagram of a payment service processing apparatus corresponding to FIG. 4 according to an embodiment of the present disclosure, where the apparatus includes:

The receiving module 901 receives a debit request sent by the payee device by scanning the above two-dimensional code;

The determining module 902 is configured to determine whether the remaining payable amount of the two-dimensional code is not less than the deduction amount corresponding to the debit request;

The debiting module 903, if the determination result of the judging module is yes, deducts the remaining payable amount, and returns a deduction result to the merchant device.

Based on the same idea, the embodiment of the present specification further provides a device corresponding to the above method and a non-volatile computer storage medium.

At least one processor; and,

a memory communicatively coupled to the at least one processor; wherein

Receiving authorization amount information input by the user;

At least one processor; and,

a memory communicatively coupled to the at least one processor; wherein

At least one processor; and,

a memory communicatively coupled to the at least one processor; wherein

A non-volatile computer storage medium corresponding to FIG. 2 provided by the embodiment of the present specification stores computer executable instructions, and the computer executable instructions are set as:

Receiving authorization amount information input by the user;

A non-volatile computer storage medium corresponding to FIG. 3 provided by the embodiment of the present specification stores computer executable instructions, and the computer executable instructions are set as:

A non-volatile computer storage medium corresponding to FIG. 4 provided by the embodiment of the present specification stores computer executable instructions, and the computer executable instructions are set as:

The foregoing description of the specific embodiments of the specification has been described. Other embodiments are within the scope of the following claims. In some cases, the actions or steps recited in the claims can be performed in a different order than the embodiments and still achieve the desired results. In addition, the processes depicted in the figures are not necessarily in a particular order or in a sequential order to achieve the desired results. In some embodiments, multitasking and parallel processing are also possible or may be advantageous.

The various embodiments in the specification are described in a progressive manner, and the same or similar parts between the various embodiments may be referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for a device, device, non-volatile computer storage medium embodiment, since it is substantially similar to the method embodiment, the description is relatively simple, and the relevant parts can be referred to the description of the method embodiment.

The device, the device, the non-volatile computer storage medium and the method provided by the embodiments of the present specification are corresponding, and therefore, the device, the device, and the non-volatile computer storage medium also have similar beneficial technical effects as the corresponding method, since The beneficial technical effects of the method are described in detail, and therefore, the beneficial technical effects of the corresponding device, device, and non-volatile computer storage medium are not described herein.

In the 1990s, improvements to a technology could clearly distinguish between hardware improvements (eg, improvements to circuit structures such as diodes, transistors, switches, etc.) or software improvements (for process flow improvements). However, as technology advances, many of today's method flow improvements can be seen as direct improvements in hardware circuit architecture. Designers almost always get the corresponding hardware circuit structure by programming the improved method flow into the hardware circuit. Therefore, it cannot be said that the improvement of a method flow cannot be implemented by hardware entity modules. For example, a Programmable Logic Device (PLD) (such as a Field Programmable Gate Array (FPGA)) is an integrated circuit whose logic function is determined by the user programming the device. Designers program themselves to "integrate" a digital system on a single PLD without having to ask the chip manufacturer to design and fabricate a dedicated integrated circuit chip. Moreover, today, instead of manually making integrated circuit chips, this programming is mostly implemented using "logic compiler" software, which is similar to the software compiler used in programming development, but before compiling The original code has to be written in a specific programming language. This is called the Hardware Description Language (HDL). HDL is not the only one, but there are many kinds, such as ABEL (Advanced Boolean Expression Language). AHDL (Altera Hardware Description Language), Confluence, CUPL (Cornell University Programming Language), HDCal, JHDL (Java Hardware Description Language), Lava, Lola, MyHDL, PALASM, RHDL (Ruby Hardware Description Language), etc., are currently the most commonly used VHDL (Very-High-Speed Integrated Circuit Hardware Description Language) and Verilog. It should also be apparent to those skilled in the art that the hardware flow for implementing the logic method flow can be easily obtained by simply programming the method flow into the integrated circuit with a few hardware description languages.

The controller can be implemented in any suitable manner, for example, the controller can take the form of, for example, a microprocessor or processor and a computer readable medium storing computer readable program code (eg, software or firmware) executable by the (micro)processor. In the form of logic gates, switches, application specific integrated circuits (ASICs), programmable logic controllers, and embedded microcontrollers, examples of controllers include, but are not limited to, the following microcontrollers: ARC 625D, Atmel AT91SAM, The Microchip PIC18F26K20 and the Silicone Labs C8051F320, the memory controller can also be implemented as part of the memory's control logic. Those skilled in the art will also appreciate that in addition to implementing the controller in purely computer readable program code, the controller can be logically programmed by means of logic gates, switches, ASICs, programmable logic controllers, and embedding. The form of a microcontroller or the like to achieve the same function. Such a controller can therefore be considered a hardware component, and the means for implementing various functions included therein can also be considered as a structure within the hardware component. Or even a device for implementing various functions can be considered as a software module that can be both a method of implementation and a structure within a hardware component.

The system, device, module or unit illustrated in the above embodiments may be implemented by a computer chip or an entity, or by a product having a certain function. A typical implementation device is a computer. Specifically, the computer can be, for example, a personal computer, a laptop computer, a cellular phone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or A combination of any of these devices.

For the convenience of description, the above devices are described separately by function into various units. Of course, the functions of the various units may be implemented in one or more software and/or hardware in the implementation of the present specification.

Those skilled in the art will appreciate that embodiments of the specification can be provided as a method, system, or computer program product. Thus, embodiments of the present specification can take the form of an entirely hardware embodiment, an entirely software embodiment, or a combination of software and hardware. Moreover, embodiments of the present specification can take the form of a computer program product embodied on one or more computer usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) including computer usable program code.

The present description is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the present specification. It will be understood that each flow and/or block of the flowchart illustrations and/or FIG. These computer program instructions can be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing device to produce a machine for the execution of instructions for execution by a processor of a computer or other programmable data processing device. Means for implementing the functions specified in one or more of the flow or in a block or blocks of the flow chart.

The computer program instructions can also be stored in a computer readable memory that can direct a computer or other programmable data processing device to operate in a particular manner, such that the instructions stored in the computer readable memory produce an article of manufacture comprising the instruction device. The apparatus implements the functions specified in one or more blocks of a flow or a flow and/or block diagram of the flowchart.

These computer program instructions can also be loaded onto a computer or other programmable data processing device such that a series of operational steps are performed on a computer or other programmable device to produce computer-implemented processing for execution on a computer or other programmable device. The instructions provide steps for implementing the functions specified in one or more of the flow or in a block or blocks of a flow diagram.

In a typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.

The memory may include non-persistent memory, random access memory (RAM), and/or non-volatile memory in a computer readable medium, such as read only memory (ROM) or flash memory. Memory is an example of a computer readable medium.

Computer readable media includes both permanent and non-persistent, removable and non-removable media. Information storage can be implemented by any method or technology. The information can be computer readable instructions, data structures, modules of programs, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read only memory. (ROM), electrically erasable programmable read only memory (EEPROM), flash memory or other memory technology, compact disk read only memory (CD-ROM), digital versatile disk (DVD) or other optical storage, Magnetic tape cartridges, magnetic tape storage or other magnetic storage devices or any other non-transportable media can be used to store information that can be accessed by a computing device. As defined herein, computer readable media does not include temporary storage of computer readable media, such as modulated data signals and carrier waves.

It is also to be understood that the terms "comprises" or "comprising" or "comprising" or any other variations are intended to encompass a non-exclusive inclusion, such that a process, method, article, Other elements not explicitly listed, or elements that are inherent to such a process, method, commodity, or equipment. An element defined by the phrase "comprising a ..." does not exclude the presence of additional equivalent elements in the process, method, article, or device that comprises the element.

Those skilled in the art will appreciate that embodiments of the present description can be provided as a method, system, or computer program product. Accordingly, the present description may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment in combination of software and hardware. Moreover, the description may take the form of a computer program product embodied on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) including computer usable program code.

This description can be described in the general context of computer-executable instructions executed by a computer, such as a program module. Generally, program modules include routines, programs, objects, components, data structures, and the like that perform particular tasks or implement particular abstract data types. The present specification can also be practiced in distributed computing environments where tasks are performed by remote processing devices that are connected through a communication network. In a distributed computing environment, program modules can be located in both local and remote computer storage media including storage devices.

The various embodiments in the specification are described in a progressive manner, and the same or similar parts between the various embodiments may be referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the system embodiment, since it is basically similar to the method embodiment, the description is relatively simple, and the relevant parts can be referred to the description of the method embodiment.

The above description is only for the embodiments of the present specification, and is not intended to limit the application. Various changes and modifications can be made to the present application by those skilled in the art. Any modifications, equivalents, improvements, etc. made within the spirit and scope of the present application are intended to be included within the scope of the appended claims.

Claims

A method for acquiring a two-dimensional code image, comprising:

Receiving authorization amount information input by the user;

Sending a two-dimensional code generation request to the server according to the authorization amount information;

Receiving, by the receiving server, the two-dimensional code generated and returned according to the authorized amount information, obtaining a picture including the two-dimensional code, wherein the two-dimensional code can be used to pay the amount corresponding to the authorized amount information.
The method of claim 1, wherein the two-dimensional code generation request further carries at least one of the following information used by the user to define the two-dimensional code: a name, an expiration date.
The method of claim 1, after the obtaining the picture comprising the two-dimensional code, the method further comprises:

The picture is sent to another device such that the user specified by the user makes a payment using a two-dimensional code contained in the picture in electronic form or in an entity form.
The method of claim 1, after the obtaining the picture comprising the two-dimensional code, the method further comprises:

Receiving recharge amount information input by the user for the two-dimensional code;

And transmitting, according to the refill amount information, a two-dimensional code refill request to the server to recharge the two-dimensional code.
A two-dimensional code generation method includes:

Receiving a QR code generation request sent by the client according to the authorization amount information input by the user;

Generating and returning a two-dimensional code according to the authorized amount information, wherein the two-dimensional code can be used to pay an amount corresponding to the authorized amount information.
The method of claim 5, the generating and returning the two-dimensional code according to the authorized amount information, specifically comprising:

Creating an asset identifier in response to the two-dimensional code generation request;

In the payment account of the user, freezing or deducting the amount corresponding to the authorized amount information, and using the asset identifier to associate the amount;

A two-dimensional code is generated and returned according to the asset identification, wherein the amount paid by the two-dimensional code is deducted from the amount associated with the asset identification.
A payment service processing method, comprising:

Receiving a debit request sent by the payee device by scanning the two-dimensional code as claimed in any one of claims 1 to 6;

Determining whether the remaining payable amount of the two-dimensional code is not less than the deduction amount corresponding to the debit request;

If so, the remaining payable amount is debited and the debit result is returned to the merchant device.
A two-dimensional code picture acquiring device includes:

The first receiving module receives the authorization amount information input by the user;

The requesting module sends a two-dimensional code generation request to the server according to the authorized amount information;

a second receiving module, which receives a two-dimensional code generated and returned by the server according to the authorized amount information, to obtain a picture including the two-dimensional code, wherein the two-dimensional code can be used to pay the corresponding amount of the authorized amount information. Amount.
The apparatus according to claim 8, wherein the two-dimensional code generation request further carries at least one of the following information for defining the two-dimensional code input by the user: a name, an expiration date.
The device of claim 8 further comprising:

a sending module, after the second receiving module obtains a picture including the two-dimensional code, sending the picture to another device, so that the user specified by the user uses the image in an electronic form or an entity form The QR code is used for payment.
The device of claim 8 further comprising:

a refill module, after the second receiving module obtains a picture including the two-dimensional code, receiving recharge amount information input by the user for the two-dimensional code; and sending a two-dimensional code recharge to the server according to the refill amount information Request to refill the two-dimensional code.
A two-dimensional code generating device includes:

The receiving module receives a two-dimensional code generation request sent by the client according to the authorized amount information input by the user;

Generating a return module, generating and returning a two-dimensional code according to the authorized amount information, wherein the two-dimensional code can be used to pay an amount corresponding to the authorized amount information.
The apparatus of claim 12, the generating and returning module generating and returning a two-dimensional code according to the authorized amount information, specifically comprising:

The generation returning module creates an asset identifier in response to the two-dimensional code generation request; in the payment account of the user, freezes or deducts an amount corresponding to the authorized amount information, and associates the amount by using the asset identifier, To manage the amount; generate and return a two-dimensional code based on the asset identification, wherein the amount paid using the two-dimensional code is deducted from the amount associated with the asset identification.
A payment service processing device includes:

a receiving module, configured to receive a debit request sent by the payee device by scanning the two-dimensional code according to any one of claims 1 to 6;

a determining module, determining whether the remaining payable amount of the two-dimensional code is not less than the deduction amount corresponding to the debit request;

And the debiting module, if the judgment result of the judging module is yes, deducting the remaining payable amount, and returning the deduction result to the merchant device.
A two-dimensional code image acquisition device, comprising:

At least one processor; and,

a memory communicatively coupled to the at least one processor; wherein

The memory stores instructions executable by the at least one processor, the instructions being executed by the at least one processor to enable the at least one processor to:

Receiving authorization amount information input by the user;

Sending a two-dimensional code generation request to the server according to the authorization amount information;

Receiving, by the receiving server, the two-dimensional code generated and returned according to the authorized amount information, obtaining a picture including the two-dimensional code, wherein the two-dimensional code can be used to pay the amount corresponding to the authorized amount information.
A two-dimensional code generating device includes:

At least one processor; and,

a memory communicatively coupled to the at least one processor; wherein

The memory stores instructions executable by the at least one processor, the instructions being executed by the at least one processor to enable the at least one processor to:

Receiving a QR code generation request sent by the client according to the authorization amount information input by the user;

Generating and returning a two-dimensional code according to the authorized amount information, wherein the two-dimensional code can be used to pay an amount corresponding to the authorized amount information.
A payment service processing device, comprising:

At least one processor; and,

a memory communicatively coupled to the at least one processor; wherein

The memory stores instructions executable by the at least one processor, the instructions being executed by the at least one processor to enable the at least one processor to:

Receiving a debit request sent by the payee device by scanning the two-dimensional code as claimed in any one of claims 1 to 6;

Determining whether the remaining payable amount of the two-dimensional code is not less than the deduction amount corresponding to the debit request;

If so, the remaining payable amount is debited and the debit result is returned to the merchant device.