WO2020147528A1 - Two-dimensional code active scanning payment acceptance method and apparatus, and two-dimensional code active scanning payment system - Google Patents

Two-dimensional code active scanning payment acceptance method and apparatus, and two-dimensional code active scanning payment system Download PDF

Info

Publication number
WO2020147528A1
WO2020147528A1 PCT/CN2019/127849 CN2019127849W WO2020147528A1 WO 2020147528 A1 WO2020147528 A1 WO 2020147528A1 CN 2019127849 W CN2019127849 W CN 2019127849W WO 2020147528 A1 WO2020147528 A1 WO 2020147528A1
Authority
WO
WIPO (PCT)
Prior art keywords
dimensional code
payment
transaction
active scanning
dynamic
Prior art date
Legal status (The legal status 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 status listed.)
Ceased
Application number
PCT/CN2019/127849
Other languages
French (fr)
Inventor
Xiaomin LI
Yang Liu
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Giesecke and Devrient China Information Technologies Co Ltd
Giesecke+Devrient Mobile Security Germany GmbH
Original Assignee
Giesecke and Devrient China Information Technologies Co Ltd
Giesecke+Devrient Mobile Security Germany GmbH
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Giesecke and Devrient China Information Technologies Co Ltd, Giesecke+Devrient Mobile Security Germany GmbH filed Critical Giesecke and Devrient China Information Technologies Co Ltd
Publication of WO2020147528A1 publication Critical patent/WO2020147528A1/en
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

Links

Images

Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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 OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3274—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/3821—Electronic credentials
    • G06Q20/38215—Use of certificates or encrypted proofs of transaction rights

Definitions

  • the invention relates to a field of bar code payment, in particular to a two-dimensional code active scanning payment acceptance method and apparatus and a two-dimensional code active scanning payment system.
  • bar code and two-dimensional code payment have been very popular. Since third-party payment companies, such as Internet companies, launched bar code and two-dimensional code payment, traditional payment providers, such as banks, have also launched their own bar code and two-dimensional code payment schemes. Payment organizations (such as EMV, VISA, UnionPay, etc. ) have also issued bar code and two-dimensional code payment specifications on this basis. Generally speaking, existing bar code and two-dimensional code payment schemes mainly include the following two types:
  • a user-active scanning scheme in which users use mobile devices (such as mobile phones, tablets, etc. ) to scan bar codes or two-dimensional codes provided by merchants, where the two-dimensional codes may be dynamic two-dimensional codes or static two-dimensional codes.
  • mobile devices such as mobile phones, tablets, etc.
  • the two-dimensional codes may be dynamic two-dimensional codes or static two-dimensional codes.
  • dynamic two-dimensional codes merchants will usually be equipped with payment acceptance devices (such as mobile phones, tablets, smart payment terminals, retail point terminals and other customized devices, etc. ) ;
  • static two-dimensional codes a merchant will usually post a printed two-dimensional code representing the uniqueness of the merchant; and
  • a user-passive scanning scheme in which merchant cashiers use payment acceptance devices (such as mobile phones, tablets, smart payment terminals, retail point terminals and other customized devices, etc. ) to scan bar codes or two-dimensional codes displayed on user mobile devices (such as mobile phones, tablets, etc. ) , which are usually dynamic.
  • payment acceptance devices such as mobile phones, tablets, smart payment terminals, retail point terminals and other customized devices, etc.
  • user mobile devices such as mobile phones, tablets, etc.
  • the user-active scanning scheme is applicable to small and micro merchants such as vegetable markets, canteen stalls, street vendors, vending machines and village stores, while the user-passive scanning scheme is applicable to medium-sized or large merchants such as chain stores, large supermarkets and shopping malls.
  • the merchants For small and micro merchants adopting the user-active scanning scheme of bar code or two-dimensional code, the merchants usually have the following features:
  • the merchants for example, street vendors for which older people occupies a considerable proportion, or canteen stalls with large traffic, are generally inconvenient to carry mobile devices such as mobile phones or tablets;
  • the current user-active scanning scheme of bar code or two-dimensional code has the following disadvantages:
  • the object of the present invention is to overcome the above-mentioned technical disadvantages and solve problems of the user-active scanning for barcodes or two-dimensional codes when merchants are offline by means of lightweight portable devices provided to the merchants or executable programs installed on the merchants’ mobile devices.
  • a two-dimensional code active scanning payment acceptance method for providing a dynamic two-dimensional code for payment when a merchant is offline includes:
  • the method further includes:
  • a two-dimensional code active scanning payment processing method includes:
  • a two-dimensional code active scanning payment acceptance apparatus includes an input module, an encryption module, a two-dimensional code generation module and a two-dimensional code display module;
  • the input module is configured for inputting a payment amount or a transaction confirmation code
  • the encryption module is configured for encrypting a transaction time, a transaction place and the transaction amount using a pre-stored payment token to generate a payment ciphertext;
  • the two-dimensional code generation module is configured for generating a dynamic two-dimensional code, which includes the transaction time, the transaction place, the transaction amount and the payment ciphertext;
  • the two-dimensional code display module is configured for displaying the dynamic two-dimensional code.
  • the apparatus further includes a payment token downloading unit configured for downloading the payment token in advance.
  • a two-dimensional code active scanning payment system includes: a above-mentioned two-dimensional code active scanning payment acceptance apparatus and a two-dimensional code active scanning payment processing apparatus, the two-dimensional code active scanning processing apparatus being configured for generating a payment token;
  • the transaction confirmation code is a number with 4-6 digits or a two-dimensional code.
  • the payment system includes a bank payment system, a third-party payment system, and a service provider’s closed-loop payment system.
  • the invention has the advantages that:
  • merchants can be offline during the transaction;
  • FIG. 1 is a schematic diagram of a merchant-offline two-dimensional code active scanning system provided in Embodiment 1 of the present invention.
  • FIG. 2 is a composition diagram of a merchant acceptance device provided in Embodiment 1 of the present invention.
  • Embodiment 1 of the present invention provides a merchant-offline two-dimensional code active scanning payment system, which includes a merchant-offline two-dimensional code user-active scanning background system, a merchant-offline two-dimensional code user-active scanning acceptance device and a user mobile device.
  • the merchant-offline two-dimensional code user-active scanning background system is referred to as a business background system conforming to the present proposal. It is configured for generating a payment token and also configured for verifying a payment request sent by the user mobile device, sending the payment request to the payment system after the verification is passed, and sending a transaction confirmation code to the user mobile device after the payment is successful; and the payment system is referred to as a bank payment system, a third-party payment system and a service provider’s closed-loop payment system, etc.
  • the merchant-offline two-dimensional code user-active scanning acceptance device is referred to as a customized lightweight portable device provided to the merchant or an executable program installed on the merchant’s mobile device (a mobile phone, a tablet, a smart payment terminal, a retail point terminal) .
  • the merchant-offline two-dimensional code user-active scanning device needs to download and store the payment token in advance from the merchant-offline two-dimensional code user-active scanning background system.
  • the merchant acceptance device does not need to be online during the transaction, thus solving the problem of difficult networking in scenes such as mobile vendors, canteen stalls and the like.
  • the merchant accepting device only needs to store payment tokens in batches through an Internet connection before the transaction.
  • the present invention provides a low-cost merchant acceptance device, and minimum modules of the device include a two-dimensional code display screen, a keyboard, a two-dimensional code display module, a fixed Internet access module, an encryption module, and a central processing module.
  • the user mobile device is referred to as a device configured for two-dimensional code payment such as a mobile phone or a tablet, and is configured for accessing the merchant-offline two-dimensional code user-active scanning background system through a mobile operator’s network; and the mobile operator’s network is referred to as a 3G, 4G or WIFI network.
  • Embodiment 2 of the present invention provides a merchant-offline two-dimensional code active scanning system.
  • the merchant-offline two-dimensional code user-active scanning acceptance device further has an alternative implementation, which is an executable program that may be installed on a merchant mobile device (a mobile phone, a tablet, a smart payment terminal, and a retail point terminal) .
  • Embodiment 3 of the present invention provides a merchant-offline two-dimensional code active scanning method, which includes:
  • a merchant-offline two-dimensional code user-active scanning background system generates a payment token.
  • the payment token is used to generate a merchant’s two-dimensional code, and each payment token can only be used once.
  • a merchant-offline two-dimensional code user-active scanning acceptance device downloads the payment token through the Internet, and one or more payment tokens may be downloaded each time.
  • the merchant-offline two-dimensional code user-active scanning acceptance device pre-stores the payment token.
  • the merchant triggers a transaction process, which includes the following steps:
  • a cashier uses the merchant-offline two-dimensional code user-active scanning acceptance device to input a payment amount, and then the device encrypts a transaction time, a transaction place and the transaction amount by using a pre-stored payment token to obtain a payment ciphertext. The device then displays the merchant’s two-dimensional code, which includes the transaction time, the transaction place, the transaction amount and the payment ciphertext.
  • a user scans the merchant’s two-dimensional code using a mobile device.
  • the mobile device sends a transaction request to the background system through a mobile operator’s network.
  • the mobile operator’s network transmits the transaction request to the merchant-offline two-dimensional code user-active scanning background system.
  • the merchant-offline two-dimensional code user-active scanning background system verifies the transaction ciphertext contained in the two-dimensional code.
  • the merchant-offline two-dimensional code user-active scanning background system sends a deduction request to the payment system.
  • the payment system deducts money from the user’s account.
  • the payment system sends a deduction result to the merchant-offline two-dimensional code user-active scanning background system.
  • the merchant-offline two-dimensional code user-active scanning background system generates a transaction confirmation code.
  • the transaction confirmation code may be a number with 4-6 digits, which is input by a merchant cashier to the merchant-offline two-dimensional code user-active scanning acceptance device; and the transaction confirmation code may also be a two-dimensional code, which is scanned by the merchant-offline two-dimensional code user-active scanning device.
  • the merchant-offline two-dimensional code user-active scanning background system sends the transaction confirmation code through the mobile operator’s network.
  • the mobile operator’s network forwards the transaction confirmation code to the user's mobile device.
  • the merchant-offline two-dimensional code user-active scanning device obtains the transaction confirmation code and verifies the transaction confirmation code.
  • the merchant offline two-dimensional code user-active scanning device receives the transaction confirmation code provided by the user, and uses the same algorithm as used in the background system to verify the transaction confirmation code in software or hardware offline.

Landscapes

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

Abstract

The invention discloses a two-dimensional code active scanning payment acceptance method and apparatus and a two-dimensional code active scanning payment system. The two-dimensional code active scanning payment acceptance method is configured for providing a dynamic two-dimensional code for payment when a merchant is offline, which includes: receiving an input transaction amount; using a pre-stored payment token to encrypt a transaction time, a transaction place and the transaction amount to generate a payment ciphertext; generating a dynamic two-dimensional code and displaying the dynamic two-dimensional code; and receiving and verifying a transaction confirmation code. The apparatus is configured for executing the two-dimensional code active scanning payment acceptance method. The two-dimensional code active scanning payment system includes the apparatus and a two-dimensional code active scanning payment processing apparatus. The method and the apparatus of the invention allow merchants to be offline during the transaction, and the displayed two-dimensional code changes from static to dynamic, thus the safety is improved.

Description

TWO-DIMENSIONAL CODE ACTIVE SCANNING PAYMENT ACCEPTANCE METHOD AND APPARATUS, AND TWO-DIMENSIONAL CODE ACTIVE SCANNING PAYMENT SYSTEM TECHNICAL FIELD
The invention relates to a field of bar code payment, in particular to a two-dimensional code active scanning payment acceptance method and apparatus and a two-dimensional code active scanning payment system.
BACKGROUND
In recent years, bar code and two-dimensional code payment have been very popular. Since third-party payment companies, such as Internet companies, launched bar code and two-dimensional code payment, traditional payment providers, such as banks, have also launched their own bar code and two-dimensional code payment schemes. Payment organizations (such as EMV, VISA, UnionPay, etc. ) have also issued bar code and two-dimensional code payment specifications on this basis. Generally speaking, existing bar code and two-dimensional code payment schemes mainly include the following two types:
1) a user-active scanning scheme, in which users use mobile devices (such as mobile phones, tablets, etc. ) to scan bar codes or two-dimensional codes provided by merchants, where the two-dimensional codes may be dynamic two-dimensional codes or static two-dimensional codes. In the case of dynamic two-dimensional codes, merchants will usually be equipped with payment acceptance devices (such as mobile phones, tablets, smart payment terminals, retail point terminals and other customized devices, etc. ) ; in the case of static two-dimensional codes, a merchant will usually post a printed two-dimensional code representing the uniqueness of the merchant; and
2) a user-passive scanning scheme, in which merchant cashiers use payment acceptance devices (such as mobile phones, tablets, smart payment terminals, retail point terminals and other customized devices, etc. ) to scan bar codes or two-dimensional codes displayed on user mobile devices (such as mobile phones, tablets, etc. ) , which are usually dynamic.
The user-active scanning scheme is applicable to small and micro merchants such as vegetable markets, canteen stalls, street vendors, vending machines and village stores, while the user-passive scanning scheme is applicable to medium-sized or large merchants such as chain stores, large supermarkets and shopping malls.
At present, it seems that bar code and two-dimensional code payment are permeating small and micro merchants, so the user-active scanning scheme is more lively.
For small and micro merchants adopting the user-active scanning scheme of bar code or two-dimensional code, the merchants usually have the following features:
1) the merchants, for example, street vendors for which older people occupies a considerable proportion, or canteen stalls with large traffic, are generally inconvenient to carry mobile devices such as mobile phones or tablets;
2) network connectivity of the merchants, such as villages or vending machines and so on, is limited; and
3) the merchants’ two-dimensional codes are usually static.
In view of the above features, the current user-active scanning scheme of bar code or two-dimensional code has the following disadvantages:
1) merchants’ static two-dimensional codes are less secure;
2) the payment process is blocked due to the limited network connectivity of the merchants; and
3) the merchants cannot confirm payment results due to the limited use of the merchants’ mobile phones and tablets.
SUMMARY
The object of the present invention is to overcome the above-mentioned technical disadvantages and solve problems of the user-active scanning for barcodes or two-dimensional codes when merchants are offline by means of lightweight portable devices provided to the merchants or executable programs installed on the merchants’ mobile devices.
In order to achieve the above object, the present invention adopts the following technical schemes:
A two-dimensional code active scanning payment acceptance method for  providing a dynamic two-dimensional code for payment when a merchant is offline, includes:
receiving an input transaction amount;
using a pre-stored payment token to encrypt a transaction time, a transaction place and the transaction amount to generate a payment ciphertext; generating a dynamic two-dimensional code and displaying the dynamic two-dimensional code; and
receiving and verifying a transaction confirmation code.
As an improvement of the above method, the method further includes:
downloading the payment token in advance, by downloading one or more payment tokens each time; and
storing the payment token.
A two-dimensional code active scanning payment processing method, includes:
generating a payment token;
receiving a transaction request containing a dynamic two-dimensional code;
verifying a payment ciphertext in the dynamic two-dimensional code; if the payment ciphertext passes the verification, generating and sending a deduction request; generating a transaction confirmation code after receiving a deduction notification; and
sending the transaction confirmation code.
A two-dimensional code active scanning payment acceptance apparatus, includes an input module, an encryption module, a two-dimensional code generation module and a two-dimensional code display module;
the input module is configured for inputting a payment amount or a transaction confirmation code;
the encryption module is configured for encrypting a transaction time, a transaction place and the transaction amount using a pre-stored payment token to generate a payment ciphertext;
the two-dimensional code generation module is configured for generating a dynamic two-dimensional code, which includes the transaction time, the transaction place, the transaction amount and the payment ciphertext; and
the two-dimensional code display module is configured for displaying the  dynamic two-dimensional code.
As an improvement of the above apparatus, the apparatus further includes a payment token downloading unit configured for downloading the payment token in advance.
A two-dimensional code active scanning payment system, includes: a above-mentioned two-dimensional code active scanning payment acceptance apparatus and a two-dimensional code active scanning payment processing apparatus, the two-dimensional code active scanning processing apparatus being configured for generating a payment token;
receiving a transaction request containing a dynamic two-dimensional code;
verifying a payment ciphertext in the dynamic two-dimensional code; if the payment ciphertext passes the verification, generating and sending a deduction request; generating a transaction confirmation code after receiving a deduction notification; and
sending the transaction confirmation code.
As an improvement of the above system, the transaction confirmation code is a number with 4-6 digits or a two-dimensional code.
As an improvement of the above system, the payment system includes a bank payment system, a third-party payment system, and a service provider’s closed-loop payment system.
The invention has the advantages that:
1. due to the provision of a payment token valid for only one transaction, two-dimensional codes displayed by merchants are changed from being static to being dynamic, and the safety is improved;
2. due to the provision of low-cost merchant acceptance devices or executable programs that may be installed on merchant mobile devices (mobile phones, tablets, smart payment terminals, retail point terminals) by the present invention, merchants can be offline during the transaction; and
3. merchants can check the validity of the transaction offline when the transaction is completed.
BRIEF DESCRIPTION OF THE DRAWINGS
FIG. 1 is a schematic diagram of a merchant-offline two-dimensional code  active scanning system provided in Embodiment 1 of the present invention; and
FIG. 2 is a composition diagram of a merchant acceptance device provided in Embodiment 1 of the present invention.
DETAILED DESCRIPTION
The technical scheme of the present invention will be described in detail below with reference to specific embodiments and the accompanying drawings.
Embodiment 1
As shown in FIG. 1, Embodiment 1 of the present invention provides a merchant-offline two-dimensional code active scanning payment system, which includes a merchant-offline two-dimensional code user-active scanning background system, a merchant-offline two-dimensional code user-active scanning acceptance device and a user mobile device.
The merchant-offline two-dimensional code user-active scanning background system is referred to as a business background system conforming to the present proposal. It is configured for generating a payment token and also configured for verifying a payment request sent by the user mobile device, sending the payment request to the payment system after the verification is passed, and sending a transaction confirmation code to the user mobile device after the payment is successful; and the payment system is referred to as a bank payment system, a third-party payment system and a service provider’s closed-loop payment system, etc.
The merchant-offline two-dimensional code user-active scanning acceptance device is referred to as a customized lightweight portable device provided to the merchant or an executable program installed on the merchant’s mobile device (a mobile phone, a tablet, a smart payment terminal, a retail point terminal) . Before the transaction, the merchant-offline two-dimensional code user-active scanning device needs to download and store the payment token in advance from the merchant-offline two-dimensional code user-active scanning background system.
The merchant acceptance device does not need to be online during the transaction, thus solving the problem of difficult networking in scenes such as mobile  vendors, canteen stalls and the like. The merchant accepting device only needs to store payment tokens in batches through an Internet connection before the transaction.
As shown in FIG. 2, the present invention provides a low-cost merchant acceptance device, and minimum modules of the device include a two-dimensional code display screen, a keyboard, a two-dimensional code display module, a fixed Internet access module, an encryption module, and a central processing module.
The user mobile device is referred to as a device configured for two-dimensional code payment such as a mobile phone or a tablet, and is configured for accessing the merchant-offline two-dimensional code user-active scanning background system through a mobile operator’s network; and the mobile operator’s network is referred to as a 3G, 4G or WIFI network.
Embodiment 2
Embodiment 2 of the present invention provides a merchant-offline two-dimensional code active scanning system. Compared with Embodiment 1, the merchant-offline two-dimensional code user-active scanning acceptance device further has an alternative implementation, which is an executable program that may be installed on a merchant mobile device (a mobile phone, a tablet, a smart payment terminal, and a retail point terminal) .
Embodiment 3
Embodiment 3 of the present invention provides a merchant-offline two-dimensional code active scanning method, which includes:
1) A merchant-offline two-dimensional code user-active scanning background system generates a payment token. The payment token is used to generate a merchant’s two-dimensional code, and each payment token can only be used once.
2) A merchant-offline two-dimensional code user-active scanning acceptance device downloads the payment token through the Internet, and one or more payment tokens may be downloaded each time.
3) The merchant-offline two-dimensional code user-active scanning acceptance device pre-stores the payment token.
After that, the merchant triggers a transaction process, which includes the  following steps:
4) A cashier uses the merchant-offline two-dimensional code user-active scanning acceptance device to input a payment amount, and then the device encrypts a transaction time, a transaction place and the transaction amount by using a pre-stored payment token to obtain a payment ciphertext. The device then displays the merchant’s two-dimensional code, which includes the transaction time, the transaction place, the transaction amount and the payment ciphertext.
5) A user scans the merchant’s two-dimensional code using a mobile device.
6) The mobile device sends a transaction request to the background system through a mobile operator’s network.
7) The mobile operator’s network transmits the transaction request to the merchant-offline two-dimensional code user-active scanning background system.
8) The merchant-offline two-dimensional code user-active scanning background system verifies the transaction ciphertext contained in the two-dimensional code.
9) If the transaction ciphertext passes the verification, the merchant-offline two-dimensional code user-active scanning background system sends a deduction request to the payment system.
10) The payment system deducts money from the user’s account.
11) The payment system sends a deduction result to the merchant-offline two-dimensional code user-active scanning background system.
12) The merchant-offline two-dimensional code user-active scanning background system generates a transaction confirmation code. The transaction confirmation code may be a number with 4-6 digits, which is input by a merchant cashier to the merchant-offline two-dimensional code user-active scanning acceptance device; and the transaction confirmation code may also be a two-dimensional code, which is scanned by the merchant-offline two-dimensional code user-active scanning device.
13) The merchant-offline two-dimensional code user-active scanning background system sends the transaction confirmation code through the mobile operator’s network.
14) The mobile operator’s network forwards the transaction confirmation code  to the user's mobile device.
15) The user displays the transaction confirmation code to the merchant.
16) The merchant-offline two-dimensional code user-active scanning device obtains the transaction confirmation code and verifies the transaction confirmation code.
The merchant offline two-dimensional code user-active scanning device receives the transaction confirmation code provided by the user, and uses the same algorithm as used in the background system to verify the transaction confirmation code in software or hardware offline.
Finally, it should be noted that the above embodiments are only used to illustrate the technical schemes of the present invention and are not for purpose of limitation. Although the present invention has been described in detail with reference to the embodiments, it should be understood by those skilled in the art that any modification or equivalent replacement of the technical schemes of the present invention does not depart from the spirit and scope of the technical schemes of the present invention, all of which should be covered by the scope of the claims of the present invention.

Claims (8)

  1. A two-dimensional code active scanning payment acceptance method for providing a dynamic two-dimensional code for payment when a merchant is offline, includes:
    receiving an input transaction amount;
    using a pre-stored payment token to encrypt a transaction time, a transaction place and the transaction amount to generate a payment ciphertext; generating a dynamic two-dimensional code and displaying the dynamic two-dimensional code; and
    receiving and verifying a transaction confirmation code.
  2. The two-dimensional code active scanning payment acceptance method according to claim 1, wherein the method further includes:
    downloading the payment token in advance, by downloading one or more payment tokens each time; and
    storing the payment token.
  3. A two-dimensional code active scanning payment processing method, includes:
    generating a payment token;
    receiving a transaction request containing a dynamic two-dimensional code;
    verifying a payment ciphertext in the dynamic two-dimensional code; if the payment ciphertext passes the verification, generating and sending a deduction request; generating a transaction confirmation code after receiving a deduction notification; and
    sending the transaction confirmation code.
  4. A two-dimensional code active scanning payment acceptance apparatus, wherein the apparatus includes an input module, an encryption module, a two-dimensional code generation module and a two-dimensional code display module; wherein
    the input module is configured for inputting a payment amount or a transaction confirmation code;
    the encryption module is configured for encrypting a transaction time, a transaction  place and the transaction amount using a pre-stored payment token to generate a payment ciphertext;
    the two-dimensional code generation module is configured for generating a dynamic two-dimensional code, which includes the transaction time, the transaction place, the transaction amount and the payment ciphertext; and
    the two-dimensional code display module is configured for displaying the dynamic two-dimensional code.
  5. The two-dimensional code active scanning payment acceptance apparatus according to claim 4, wherein the apparatus further includes a payment token downloading unit configured for downloading the payment token in advance.
  6. A two-dimensional code active scanning payment system, wherein the system includes a two-dimensional code active scanning payment acceptance apparatus according to one of claims 4-5 and a two-dimensional code active scanning payment processing apparatus, wherein the two-dimensional code active scanning processing apparatus is configured for generating a payment token;
    receiving a transaction request containing a dynamic two-dimensional code;
    verifying a payment ciphertext in the dynamic two-dimensional code; if the payment ciphertext passes the verification, generating and sending a deduction request; generating a transaction confirmation code after receiving a deduction notification; and
    sending the transaction confirmation code.
  7. The two-dimensional code active scanning payment system according to claim 6, wherein the transaction confirmation code is a number with 4-6 digits or a two-dimensional code.
  8. The two-dimensional code active scanning payment system according to claim 6, wherein the payment system includes a bank payment system, a third-party payment system and a service provider’s closed-loop payment system.
PCT/CN2019/127849 2019-01-14 2019-12-24 Two-dimensional code active scanning payment acceptance method and apparatus, and two-dimensional code active scanning payment system Ceased WO2020147528A1 (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
CN201910031319.3 2019-01-14
CN201910031319.3A CN109829714A (en) 2019-01-14 2019-01-14 Two dimensional code master sweeps payment acceptance method and device, two dimensional code master sweep payment system

Publications (1)

Publication Number Publication Date
WO2020147528A1 true WO2020147528A1 (en) 2020-07-23

Family

ID=66861606

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/CN2019/127849 Ceased WO2020147528A1 (en) 2019-01-14 2019-12-24 Two-dimensional code active scanning payment acceptance method and apparatus, and two-dimensional code active scanning payment system

Country Status (2)

Country Link
CN (1) CN109829714A (en)
WO (1) WO2020147528A1 (en)

Cited By (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN112633872A (en) * 2020-11-20 2021-04-09 建信金融科技有限责任公司 Overseas aggregated two-dimensional code payment method, device, server and storage medium
CN113112712A (en) * 2021-04-23 2021-07-13 江苏星卡华蓝信息科技有限公司 Wireless POS machine for commercial tenant and corresponding payment system thereof
CN114782039A (en) * 2022-03-14 2022-07-22 惠州市博实结科技有限公司 A terminal-based two-dimensional code dynamic refresh method and storage medium
CN117580003A (en) * 2023-09-06 2024-02-20 北京神州安付科技股份有限公司 Cloud loudspeaker developments two-dimensional code management system
CN120450698A (en) * 2025-07-11 2025-08-08 支付宝(杭州)信息技术有限公司 Payment service processing method, device and equipment
WO2025190605A1 (en) * 2024-03-12 2025-09-18 Siemens Aktiengesellschaft Method for carrying out an energy transfer between a charging point and a resource

Families Citing this family (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN109829714A (en) * 2019-01-14 2019-05-31 捷德（中国）信息科技有限公司 Two dimensional code master sweeps payment acceptance method and device, two dimensional code master sweep payment system

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN105590199A (en) * 2014-11-14 2016-05-18 中国银联股份有限公司 Payment method and payment system based on dynamic two-dimensional code
CN106910063A (en) * 2015-12-22 2017-06-30 卓望数码技术（深圳）有限公司 A kind of offline payment method and system
CN107180351A (en) * 2017-04-13 2017-09-19 上海动联信息技术股份有限公司 A kind of off line Dynamic Two-dimensional code generating method, method of payment and equipment
CN107833046A (en) * 2017-11-28 2018-03-23 恒宝股份有限公司 A kind of method of mobile payment and its checkout terminal
CN109829714A (en) * 2019-01-14 2019-05-31 捷德（中国）信息科技有限公司 Two dimensional code master sweeps payment acceptance method and device, two dimensional code master sweep payment system

Family Cites Families (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN102880959A (en) * 2012-09-18 2013-01-16 汇付天下有限公司 Quick internet payment method and system
CN103489095A (en) * 2013-10-08 2014-01-01 百度在线网络技术（北京）有限公司 Electronic transaction method and system and payment platform system
CN103886460A (en) * 2014-04-22 2014-06-25 徐永君 On-site payment system and method implemented based on identity authentication token
CN106372897A (en) * 2016-09-06 2017-02-01 努比亚技术有限公司 Payment apparatus and method, and mobile terminal

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN105590199A (en) * 2014-11-14 2016-05-18 中国银联股份有限公司 Payment method and payment system based on dynamic two-dimensional code
CN106910063A (en) * 2015-12-22 2017-06-30 卓望数码技术（深圳）有限公司 A kind of offline payment method and system
CN107180351A (en) * 2017-04-13 2017-09-19 上海动联信息技术股份有限公司 A kind of off line Dynamic Two-dimensional code generating method, method of payment and equipment
CN107833046A (en) * 2017-11-28 2018-03-23 恒宝股份有限公司 A kind of method of mobile payment and its checkout terminal
CN109829714A (en) * 2019-01-14 2019-05-31 捷德（中国）信息科技有限公司 Two dimensional code master sweeps payment acceptance method and device, two dimensional code master sweep payment system

Cited By (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN112633872A (en) * 2020-11-20 2021-04-09 建信金融科技有限责任公司 Overseas aggregated two-dimensional code payment method, device, server and storage medium
CN113112712A (en) * 2021-04-23 2021-07-13 江苏星卡华蓝信息科技有限公司 Wireless POS machine for commercial tenant and corresponding payment system thereof
CN114782039A (en) * 2022-03-14 2022-07-22 惠州市博实结科技有限公司 A terminal-based two-dimensional code dynamic refresh method and storage medium
CN117580003A (en) * 2023-09-06 2024-02-20 北京神州安付科技股份有限公司 Cloud loudspeaker developments two-dimensional code management system
WO2025190605A1 (en) * 2024-03-12 2025-09-18 Siemens Aktiengesellschaft Method for carrying out an energy transfer between a charging point and a resource
CN120450698A (en) * 2025-07-11 2025-08-08 支付宝(杭州)信息技术有限公司 Payment service processing method, device and equipment

Also Published As

Publication number Publication date
CN109829714A (en) 2019-05-31

Similar Documents

Publication Publication Date Title
US11978034B2 (en) System built by connection between a mobile terminal and a service providing device, and service providing method
US8935187B2 (en) Distributed payment system and method
JP6704009B2 (en) Mobile payment method using barcodes, device, and server for using the method
AU2019236733A1 (en) Transaction Processing System and Method
US20120303528A1 (en) System and method for performing a transaction responsive to a mobile device
US20160247142A1 (en) Online payment system and method based on two-dimensional code
US20170024742A1 (en) Methods and systems for using a consumer identity to perform electronic transactions
EP3533172B1 (en) System for secure authentication of a user's identity in an electronic system for banking transactions
WO2012073014A1 (en) A system for verifying electronic transactions
EP3123424B1 (en) Remote transaction system, method and point of sale terminal
KR20210003188A (en) Multi-action trading system and method
US20190080323A1 (en) Mobile payment system, mobile payment method, and mobile payment confirmation device
EP2920752A1 (en) Method for purchasing a product using a portable communication device
CN119151531A (en) Code scanning payment method and device based on payment card, equipment and medium
EA041883B1 (en) SYSTEM AND METHOD FOR CONDUCTING REMOTE TRANSACTIONS USING POINT OF SALE PAYMENT TERMINAL
AU2014202432A1 (en) Payment Transaction Techniques

Legal Events

Date Code Title Description
121 Ep: the epo has been informed by wipo that ep was designated in this application

Ref document number: 19909658

Country of ref document: EP

Kind code of ref document: A1

NENP Non-entry into the national phase

Ref country code: DE

122 Ep: pct application non-entry in european phase

Ref document number: 19909658

Country of ref document: EP

Kind code of ref document: A1