WO2020035030A1 - 一种二维码定时支付系统 - Google Patents

一种二维码定时支付系统 Download PDF

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Publication number
WO2020035030A1
WO2020035030A1 PCT/CN2019/100813 CN2019100813W WO2020035030A1 WO 2020035030 A1 WO2020035030 A1 WO 2020035030A1 CN 2019100813 W CN2019100813 W CN 2019100813W WO 2020035030 A1 WO2020035030 A1 WO 2020035030A1
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account
payment
transaction
dimensional code
payer
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PCT/CN2019/100813
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English (en)
French (fr)
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吴思进
王志文
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杭州复杂美科技有限公司
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Publication of WO2020035030A1 publication Critical patent/WO2020035030A1/zh

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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
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K17/00—Methods or arrangements for effecting co-operative working between equipments covered by two or more of main groups G06K1/00 - G06K15/00, e.g. automatic card files incorporating conveying and reading operations
    • G06K17/0022—Methods or arrangements for effecting co-operative working between equipments covered by two or more of main groups G06K1/00 - G06K15/00, e.g. automatic card files incorporating conveying and reading operations arrangements or provisious for transferring data to distant stations, e.g. from a sensing device

Definitions

  • the invention relates to the technical field of blockchain, and relates to a two-dimensional code timing payment system.
  • two-dimensional code payment methods are gradually being accepted by users, and teams in the blockchain field can use two-dimensional code timed payment methods to enhance payment security.
  • the present invention provides a two-dimensional code timing payment system that solves or partially solves the above problems.
  • the technical solution of the present invention is: a two-dimensional code timing payment system, the payer account is used to store the digital assets of the payer, and the payee account is used to store The digital assets of the payee; the public account is used to store the payment amount of the payer;
  • the working process of the two-dimensional code timing payment system includes the following steps:
  • Step 1 The payer sends a transaction A to the blockchain system through a private key signature, and the transaction A includes the payer account, payment amount, and payment time;
  • Step 2 After the transaction A is confirmed by the voting of the blockchain system, the two-dimensional code timing payment system generates a random number A for the transaction A, and the two-dimensional code generating device generates the random number A and the random number A.
  • Step 3 Before the payment time, the payee can scan the two-dimensional code A through the two-dimensional code reading device to obtain the random number A; the payee obtains the random number After A, a transaction B can be sent to the blockchain system through a private key signature, and the transaction B includes the payee account, the amount of the receipt, and a random number A;
  • Step 4 After the transaction B is confirmed by the voting of the blockchain system, the transaction B is written into the blockchain system;
  • Step 5 When the payment time is reached, the payment amount frozen in the public account will be transferred to the corresponding account.
  • the specific method is as follows: 1) If the transaction B is not written into the blockchain system, then The payment amount frozen in the public account is returned to the payer account; 2) If the transaction B is written into the blockchain system and the received amount is not less than the payment amount, then The payment amount frozen in the public account is all transferred to the payee account; 3) If there is the transaction B written into the blockchain system and the payment amount is less than the payment amount, Then the portion of the payment amount frozen in the public account is transferred to the payee account and the amount of the payment frozen in the public account is deducted from the payment amount The remainder is returned to the payer account.
  • the beneficial results of the present invention are:
  • the present invention provides a two-dimensional code timing payment system, which includes a payer, a payer account, a payee, a payee account, a public account, a two-dimensional code generating device, and a two-dimensional code reader.
  • a two-dimensional code timing payment system which includes a payer, a payer account, a payee, a payee account, a public account, a two-dimensional code generating device, and a two-dimensional code reader.
  • Take equipment blockchain system. Supported by blockchain technology and combined with two-dimensional code technology, a new payment method has been developed to realize the timing payment function.
  • Embodiment 1 This embodiment specifically describes the content of a two-dimensional code timing payment system, as follows:
  • the QR code timing payment system includes: payer, payer account, payee, payee account, public account, QR code generating device, QR code reading device, and blockchain system;
  • the payer account is used to store the digital assets of the payer;
  • the payee account is used to store the digital assets of the payee;
  • the public account is used to store the payment amount of the payer;
  • the working process of the two-dimensional code timing payment system includes the following steps:
  • Step 1 The payer sends a transaction A to the blockchain system through a private key signature, and the transaction A includes the payer account, payment amount, and payment time;
  • Step 2 After the transaction A is confirmed by the voting of the blockchain system, the two-dimensional code timing payment system generates a random number A for the transaction A, and the two-dimensional code generating device generates the random number A and the random number A.
  • Step 3 Before the payment time, the payee can scan the two-dimensional code A through the two-dimensional code reading device to obtain the random number A; the payee obtains the random number After A, a transaction B can be sent to the blockchain system through a private key signature, and the transaction B includes the payee account, the amount of the receipt, and a random number A;
  • Step 4 After the transaction B is confirmed by the voting of the blockchain system, the transaction B is written into the blockchain system;
  • Step 5 When the payment time is reached, the payment amount frozen in the public account will be transferred to the corresponding account.
  • the specific method is as follows: 1) If the transaction B is not written into the blockchain system, then The payment amount frozen in the public account is returned to the payer account; 2) If the transaction B is written into the blockchain system and the received amount is not less than the payment amount, then The payment amount frozen in the public account is all transferred to the payee account; 3) If there is the transaction B written into the blockchain system and the payment amount is less than the payment amount, Then the portion of the payment amount frozen in the public account is transferred to the payee account and the amount of the payment frozen in the public account is deducted from the payment amount The remainder is returned to the payer account.
  • Embodiment 2 This embodiment exemplifies the processing process of a two-dimensional code timing payment system:
  • Step S201 The payer sends the transaction A to the blockchain system through the private key signature, and the transaction A includes the payer account 001, the payment amount Amount1, and the payment time Time001;
  • Step S201 After the transaction A is confirmed by the voting of the blockchain system, the two-dimensional code timing payment system generates a random number A for the transaction A, and the two-dimensional code generating device generates a two-dimensional code A corresponding to the random number A; the transaction A and The random number A is written into the blockchain system; tokens equivalent to the payment amount Amount1 are transferred from the payer account 001 to the public account 000 and are frozen;
  • Step S203 Before the payment time Time001 arrives, the payee can scan the two-dimensional code A through the two-dimensional code reading device to obtain a random number A; the payee sends a transaction B to the blockchain system through a private key signature, and the transaction B includes Beneficiary account 002, Amount of receipt, A random number A;
  • Step S204 After the transaction B is confirmed by the voting of the blockchain system, the transaction B is written into the blockchain system. If the random number A is incorrect, the transaction B cannot be written into the blockchain system;
  • Step S205 There are three cases for performing this step:
  • the beneficial results of the present invention are:
  • the present invention provides a two-dimensional code timing payment system, which includes a payer, a payer account, a payee, a payee account, a public account, a two-dimensional code generating device, and a two-dimensional code reader.
  • a two-dimensional code timing payment system which includes a payer, a payer account, a payee, a payee account, a public account, a two-dimensional code generating device, and a two-dimensional code reader.
  • Take equipment blockchain system. Supported by blockchain technology and combined with two-dimensional code technology, a new payment method has been developed to realize the timing payment function.

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  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Computer Security & Cryptography (AREA)
  • General Engineering & Computer Science (AREA)
  • Finance (AREA)
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  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
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Abstract

本发明涉及一种二维码定时支付系统，包括付款方、付款方账户、收款方、收款方账户、公共账户、二维码生成设备、二维码读取设备、区块链系统。以区块链技术为支撑，结合二维码技术，开发出一种全新的支付方式，实现定时支付功能。

Description

一种二维码定时支付系统 技术领域
本发明涉及区块链技术领域，涉及一种二维码定时支付系统。
背景技术
随着被媒体爆出的支付失败、个人钱包被盗、私钥丢失的新闻数量不断增多，企业对数字资产安全、便捷等问题产生严重担忧，已经严重制约了企业对数字资产的投资。虽然在过去的几年中，区块链领域的团队尝试利用各种技术增强钱包转账的安全性，但至今都没有一个通用的、成本较低的、方便部署使用的解决方案。
目前，二维码支付的方式逐渐被用户所接受，区块链领域的团队可以利用二维码定时支付的方式来增强支付的安全性。
发明内容
有鉴于此，本发明提供一种解决或部分解决上述问题的二维码定时支付系统。
为达到上述技术方案的效果，本发明的技术方案为：一种二维码定时支付系统，所述付款方账户用于存放所述付款方的数字资产；所述收款方账户用于存放所述收款方的数字资产；所述公共账户用于存放所述付款方的付款金额；
所述二维码定时支付系统的工作过程包括以下步骤：
步骤1：所述付款方通过私钥签名向所述区块链系统发送交易A,所述交易A包括所述付款方账户、付款金额、付款时间；
步骤2：所述交易A经过所述区块链系统的投票确认后，所述二维码定时支付系统给所述交易A生成随机数A，同时所述二维码生成设备生成和所述随机数A对应的二维码A；所述交易A和所述随机数A被写入所述区块链系统；所述付款金额由所述付款方账户转移到所述公共账户中，在所述付款时间之前，转移到 所述公共账户中的付款金额被冻结；
步骤3：在所述付款时间之前，所述收款人可以通过所述二维码读取设备扫描所述二维码A获取所述随机数A；所述收款方获取到所述随机数A后，可以通过私钥签名向所述区块链系统发送交易B,所述交易B包括所述收款方账户、收款金额、随机数A；
步骤4：所述交易B经过所述区块链系统的投票确认后，所述交易B被写入所述区块链系统；
步骤5：到所述付款时间时，冻结在所述公共账户中的付款金额会转移到对应账户中，具体方法为：1)如果没有所述交易B被写入所述区块链系统，则冻结在所述公共账户中的付款金额返还到所述付款方账户中；2)如果有所述交易B被写入所述区块链系统且所述收款金额不小于所述付款金额，则冻结在所述公共账户中的付款金额全部转移到所述收款方账户中；3)如果有所述交易B被写入所述区块链系统且所述收款金额小于所述付款金额，则冻结在所述公共账户中的付款金额中转移和所述收款金额等额的部分到所述收款方账户中，且冻结在所述公共账户中的付款金额中扣除所述付款金额后的剩余部分则返还到所述付款方账户中。
本发明的有益成果为：本发明提供了一种二维码定时支付系统，包括付款方、付款方账户、收款方、收款方账户、公共账户、二维码生成设备、二维码读取设备、区块链系统。以区块链技术为支撑，结合二维码技术，开发出一种全新的支付方式，实现定时支付功能。
具体实施方法
为了使本发明所要解决的技术问题、技术方案及有益效果更加清楚明白，以下结合实施例，对本发明进行详细的说明。应当说明的是，此处所描述的具体实施例仅用以解释本发明，并不用于限定本发明，能实现同样功能的产品属于等同替换和改进，均包含在本发明的保护范围之内。具体方法如下：
实施例1：本实施例具体说明了二维码定时支付系统的内容，如下：
二维码定时支付系统包括：付款方、付款方账户、收款方、收款方账户、公共账户、二维码生成设备、二维码读取设备、区块链系统；
所述付款方账户用于存放所述付款方的数字资产；所述收款方账户用于存放所述收款方的数字资产；所述公共账户用于存放所述付款方的付款金额；
所述二维码定时支付系统的工作过程包括以下步骤：
步骤1：所述付款方通过私钥签名向所述区块链系统发送交易A,所述交易A包括所述付款方账户、付款金额、付款时间；
步骤2：所述交易A经过所述区块链系统的投票确认后，所述二维码定时支付系统给所述交易A生成随机数A，同时所述二维码生成设备生成和所述随机数A对应的二维码A；所述交易A和所述随机数A被写入所述区块链系统；所述付款金额由所述付款方账户转移到所述公共账户中，在所述付款时间之前，转移到所述公共账户中的付款金额被冻结；
步骤3：在所述付款时间之前，所述收款人可以通过所述二维码读取设备扫描所述二维码A获取所述随机数A；所述收款方获取到所述随机数A后，可以通过私钥签名向所述区块链系统发送交易B,所述交易B包括所述收款方账户、收款金额、随机数A；
步骤4：所述交易B经过所述区块链系统的投票确认后，所述交易B被写入所述区块链系统；
步骤5：到所述付款时间时，冻结在所述公共账户中的付款金额会转移到对应账户中，具体方法为：1)如果没有所述交易B被写入所述区块链系统，则冻结在所述公共账户中的付款金额返还到所述付款方账户中；2)如果有所述交易B被写入所述区块链系统且所述收款金额不小于所述付款金额，则冻结在所述公共账户中的付款金额全部转移到所述收款方账户中；3)如果有所述交易B被写入所述区块链系统且所述收款金额小于所述付款金额，则冻结在所述公共账户中的付款金额中转移和所述收款金额等额的部分到所述收款方账户中，且冻结在所述公共账户中的付款金额中扣除所述付款金额后的剩余部分则返还到所述付款方账 户中。
实施例2：本实施例举例说明了二维码定时支付系统的处理过程：
步骤S201：付款方通过私钥签名向区块链系统发送交易A,交易A包括付款方账户001、付款金额Amount1、付款时间Time001；
步骤S201：交易A经过区块链系统的投票确认后，二维码定时支付系统给交易A生成随机数A，同时二维码生成设备生成和随机数A对应的二维码A；交易A和随机数A被写入区块链系统；和付款金额Amount1等值的代币由付款方账户001转移到公共账户000中且被冻结；
步骤S203：在付款时间Time001到来之前，收款人可以通过二维码读取设备扫描二维码A获取随机数A；收款方通过私钥签名向区块链系统发送交易B,交易B包括收款方账户002、收款金额Amount2、随机数A；
步骤S204：交易B经过区块链系统的投票确认后，交易B被写入区块链系统，如果随机数A不正确，则交易B不能被写入区块链系统；
步骤S205：执行此步骤分三种情况：
情况1：如果到付款时间Time001时，没有交易B被写入区块链系统，则冻结在公共账户000中的付款金额返还到付款方账户001中；
情况2：如果到付款时间Time001时有交易B被写入区块链系统，且收款金额Amount2不小于付款金额Amount1，则冻结在公共账户000中的所有代币转移到收款方账户002中；
情况2：如果到付款时间Time001时有交易B被写入区块链系统，且收款金额Amount2小于付款金额Amount1，则冻结在公共账户000中代币部分转移到收款方账户002中，部分退还到付款方账户001中；转移到收款方账户002中的代币和收款金额Amount2等值，冻结在公共账户000中的所有代币扣除转移到收款方账户002中的代币后，剩余部分退回到付款方账户001中。
本发明的有益成果为：本发明提供了一种二维码定时支付系统，包括付款方、付款方账户、收款方、收款方账户、公共账户、二维码生成设备、二维码读取设备、区块链系统。以区块链技术为支撑，结合二维码技术，开发出一种全新的支 付方式，实现定时支付功能。
以上所述仅为本发明之较佳实施例，并非用以限定本发明的权利要求保护范围。同时以上说明，对于相关技术领域的技术人员应可以理解及实施，因此其他基于本发明所揭示内容所完成的等同改变，均应包含在本权利要求书的涵盖范围内。

Claims (1)

  1. 一种二维码定时支付系统，其特征在于，包括：付款方、付款方账户、收款方、收款方账户、公共账户、二维码生成设备、二维码读取设备、区块链系统；
    所述付款方账户用于存放所述付款方的数字资产；所述收款方账户用于存放所述收款方的数字资产；所述公共账户用于存放所述付款方的付款金额；
    所述二维码定时支付系统的工作过程包括以下步骤：
    步骤1：所述付款方通过私钥签名向所述区块链系统发送交易A,所述交易A包括所述付款方账户、付款金额、付款时间；
    步骤2：所述交易A经过所述区块链系统的投票确认后，所述二维码定时支付系统给所述交易A生成随机数A，同时所述二维码生成设备生成和所述随机数A对应的二维码A；所述交易A和所述随机数A被写入所述区块链系统；所述付款金额由所述付款方账户转移到所述公共账户中，在所述付款时间之前，转移到所述公共账户中的付款金额被冻结；
    步骤3：在所述付款时间之前，所述收款人可以通过所述二维码读取设备扫描所述二维码A获取所述随机数A；所述收款方获取到所述随机数A后，可以通过私钥签名向所述区块链系统发送交易B,所述交易B包括所述收款方账户、收款金额、随机数A；
    步骤4：所述交易B经过所述区块链系统的投票确认后，所述交易B被写入所述区块链系统；
    步骤5：到所述付款时间时，冻结在所述公共账户中的付款金额会转移到对应账户中，具体方法为：1)如果没有所述交易B被写入所述区块链系统，则冻结在所述公共账户中的付款金额返还到所述付款方账户中；2)如果有所述交易B被写入所述区块链系统且所述收款金额不小于所述付款金额，则冻结在所述公共账户中的付款金额全部转移到所述收款方账户中；3)如果有所述交易B被写入所述区块链系统且所述收款金额小于所述付款金额，则冻结在所述公共账户中的付款金额中转移和所述收款金额等额的部分到所述收款方账户中，且冻结在所述 公共账户中的付款金额中扣除所述付款金额后的剩余部分则返还到所述付款方账户中。
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