WO2021003607A1 - Procédé de paiement total et dispositifs associés - Google Patents

Procédé de paiement total et dispositifs associés Download PDF

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Publication number
WO2021003607A1
WO2021003607A1 PCT/CN2019/094897 CN2019094897W WO2021003607A1 WO 2021003607 A1 WO2021003607 A1 WO 2021003607A1 CN 2019094897 W CN2019094897 W CN 2019094897W WO 2021003607 A1 WO2021003607 A1 WO 2021003607A1
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WO
WIPO (PCT)
Prior art keywords
aggregated
gateway
dimensional code
payment
aggregate
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PCT/CN2019/094897
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English (en)
Chinese (zh)
Inventor
关永艺
殷鹏
柳彤
朱大卫
汤慧秀
Original Assignee
深圳海付移通科技有限公司
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
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Application filed by 深圳海付移通科技有限公司 filed Critical 深圳海付移通科技有限公司
Priority to CN201980010274.XA priority Critical patent/CN111684481A/zh
Priority to PCT/CN2019/094897 priority patent/WO2021003607A1/fr
Priority to PH12020551353A priority patent/PH12020551353A1/en
Publication of WO2021003607A1 publication Critical patent/WO2021003607A1/fr

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • 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
    • G06K17/0025—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 the arrangement consisting of a wireless interrogation device in combination with a device for optically marking the record carrier

Definitions

  • This application relates to the field of payment technology, in particular to an aggregate payment method and related equipment.
  • QR Quadrature Code
  • EMV Europay Master Card Visa, European MasterCard Visa
  • QR codes are launched, and their respective formations are not unified.
  • Merchants need to place multiple different QR codes for consumers to scan the codes during use.
  • Consumers need to use the corresponding payment wallet to scan the QR codes to complete the payment, and give the merchants and Consumers cause inconvenience.
  • the main problem to be solved by this application is to provide an aggregate payment method and related equipment, which can use a gateway to generate aggregate QR codes, avoiding merchants from using multiple QR codes to collect payments and simplifying payment operations.
  • the technical solution adopted in this application is to provide an aggregate payment method, which includes: the gateway obtains at least two QR code strings, where each QR code string corresponds to a payment specification ; The gateway combines all the two-dimensional code strings to obtain an aggregated two-dimensional code string, and converts the aggregated two-dimensional code string into an aggregated two-dimensional code; when the gateway receives the download request sent by the first device, it aggregates The QR code is sent to the first device, so that the second device scans the aggregated QR code to pay to the account corresponding to the first device; wherein, the aggregated QR code string includes identification information of each QR code string, Used to distinguish different payment specifications.
  • the technical solution adopted in this application is to provide an aggregate payment method, the method includes: a second device scans an aggregate QR code, where the aggregate QR code is the payment code of the first device; The second device parses the aggregated QR code and obtains the identification information corresponding to the aggregated QR code; the second device sends a transaction request to the server so that the server can call an interface matching the scan application information to deduct the payment, where the transaction request Including identification information and aggregated QR code.
  • the technical solution adopted in this application is to provide an aggregate payment method.
  • the method includes: after receiving the transaction request sent by the second device, the server sends a verification request message to the gateway to verify the aggregation The authenticity of the QR code, where the transaction request includes identification information and the aggregated QR code; the server receives the verification success message sent by the gateway, and calls the interface matching the scanning application information to deduct the payment, where the verification success message includes Scan application information; the server sends the transaction result to the first device through the gateway, and sends the transaction result to the second device.
  • the technical solution adopted by this application is to provide a gateway including a memory and a processor connected to each other, wherein the memory is used to store a computer program, and the computer program is used for Implement the above-mentioned aggregate payment method.
  • the technical solution adopted in this application is to provide a mobile device that includes a memory and a processor connected to each other, wherein the memory is used to store a computer program, and when the computer program is executed by the processor, Used to implement the above-mentioned aggregate payment method.
  • the technical solution adopted in this application is to provide a server including a memory and a processor connected to each other, wherein the memory is used to store a computer program, and the computer program is used for Implement the above-mentioned aggregate payment method.
  • the technical solution adopted in this application is to provide a payment system, which includes a mobile device, a gateway, and a server connected in sequence, wherein the gateway is the above-mentioned gateway, and the mobile device is the above-mentioned mobile device,
  • the server is the above-mentioned server.
  • the technical solution adopted in this application is to provide a storage medium for storing a computer program, where the computer program is used to implement the above-mentioned aggregate payment method when executed by a processor.
  • the beneficial effect of this application is: use the gateway to obtain the QR code strings corresponding to different payment specifications, and combine them when the merchant information is the same, to generate an aggregated QR code, and provide it to the merchants, so as to prevent merchants from using too much.
  • a QR code is used to collect payments, which is convenient for merchants to check the payment amount, and consumers can directly use one of the applications supported by the aggregate QR code to scan the aggregate QR code without installing different types of applications, simplifying payment operating.
  • FIG. 1 is a schematic flowchart of an embodiment of an aggregate payment method provided by the present application
  • FIG. 3 is a schematic flowchart of another embodiment of the aggregate payment method provided by the present application.
  • FIG. 4 is a schematic flowchart of another embodiment of the aggregate payment method provided by the present application.
  • FIG. 5 is a schematic structural diagram of an embodiment of a gateway provided by the present application.
  • Fig. 6 is a schematic structural diagram of an embodiment of a mobile device provided by the present application.
  • FIG. 7 is a schematic structural diagram of an embodiment of a server provided by the present application.
  • FIG. 8 is a schematic structural diagram of an embodiment of the payment system provided by the present application.
  • FIG. 9 is a schematic structural diagram of an embodiment of a storage medium provided by the present application.
  • Fig. 1 is a schematic flowchart of an embodiment of an aggregate payment method provided by the present application. The method includes:
  • Step 11 The gateway obtains at least two QR code strings.
  • the gateway can be a smart gateway.
  • Each QR code string corresponds to a payment specification.
  • the payment specification can be a payment standard based on the EMV standard, such as UPI (UnionPay International) payment specification, Visa payment specification or MC ( Master Card (Master Card) payment specifications, etc.
  • the QR code string can be generated by an application (APP) corresponding to the payment specification.
  • APP application
  • the UPI application can generate a QR code string corresponding to the merchant information, and the mobile terminal corresponding to the merchant can generate the QR code string. And send it to the gateway.
  • Step 12 The gateway combines all the two-dimensional code strings to obtain an aggregated two-dimensional code string, and converts the aggregated two-dimensional code string into an aggregated two-dimensional code.
  • the gateway can parse the QR code string after obtaining the QR code string corresponding to each payment specification to determine whether the merchant information corresponding to the QR code string to be combined is consistent. If the merchant information is consistent, it will be combined to obtain an aggregated QR code string, and the aggregated QR code string is converted into an aggregated QR code, which is an EMV QR code; if the merchant information is inconsistent, then Without merging, messages with inconsistent merchant information can be sent to the mobile terminal corresponding to the merchant. For example, if the merchant corresponding to the UnionPay code is A and the merchant corresponding to the FPS code (Faster Payment System) is B, the gateway cannot combine the two.
  • FPS code Faster Payment System
  • Step 13 When the gateway receives the download request sent by the first device, it sends the aggregated QR code to the first device, so that the second device scans the aggregated QR code to make payment to the account corresponding to the first device.
  • the first device and the second device may be mobile terminals.
  • the first device is a mobile terminal of a merchant
  • the second device is a mobile terminal of a consumer
  • the aggregated QR code string includes the identification of each QR code string Information, the identification information is used to distinguish different payment specifications.
  • the first device may send a download request to the gateway to request the gateway for its corresponding aggregated QR code; after receiving the download request, the gateway sends the aggregated QR code corresponding to the first device to the first device, and the first device After receiving the aggregated QR code, the merchant can print the aggregated QR code or the first device can directly display the aggregated QR code for consumers to scan.
  • merchants only need to provide an aggregate QR code to receive money from various payment wallets; consumers can use the payment wallet supported by the aggregate QR code to scan the aggregate QR code to complete the payment.
  • merchants do not need to post multiple QR codes in the store, they only need to post an aggregated QR code to support multiple payment methods, complete face-to-face collection, and do not need to care about what type of payment wallet consumers use for payment Payment can be more focused on services to consumers; for consumers, consumers do not need to pay attention to their wallet type when scanning codes, and can use different types of payment wallets to scan the same aggregated QR code, which improves The probability of successful transaction and optimize the consumer experience.
  • this embodiment provides an aggregate payment method, which is a QR code aggregation method based on the EMV standard, and supports UnionPay/Visa/MC/FPS and other EMV standard QR codes; use gateways to obtain different
  • the QR code string corresponding to the payment specification is combined when the merchant information is the same to generate an aggregated QR code, which prevents merchants from using multiple QR codes to collect payments, facilitates merchants to check the payment amount, and consumers do not need to install Different types of applications can scan QR codes to simplify payment operations.
  • Figure 2 is a schematic flowchart of another embodiment of the aggregate payment method provided by the present application. The method includes:
  • Step 21 The gateway obtains at least two QR code strings.
  • Step 22 The gateway parses all the two-dimensional code strings to obtain the description information corresponding to each identification number in each two-dimensional code string and the type of payment specification.
  • Each QR code string includes multiple identification numbers and the corresponding name, data length, existence status, data format or description information, etc.; after the gateway obtains the QR code string, it will The character string is parsed to obtain the description information corresponding to each identification number; the parsed description information is compared with the payment specification. If all the description information matches the information specified by a certain payment specification, it can be determined to be parsed The description information belongs to the type of payment specification information, that is, the category of the payment specification is obtained.
  • Step 23 The gateway merges the description information corresponding to each two-dimensional code string to obtain aggregate description information, and establishes a merged mapping table.
  • the gateway compares the description information corresponding to each identification number in all QR code strings, merges the same description information, and uses different description information as the identification information of the QR code string; the aggregate description information includes the same The description information and identification information of the, and the merged mapping table includes the correspondence between the payment specification and the aggregate description information.
  • Step 24 The gateway uses the merged mapping table to generate an aggregated QR code string, converts the aggregated QR code string into an aggregated QR code, and saves it.
  • the gateway After the gateway has established the merged mapping table, it can generate an aggregated QR code string supporting at least two payment specifications based on the merged mapping table; then the gateway encodes the aggregated QR code string to generate and aggregate the QR code string Corresponding binary array; then process the binary data to generate aggregated QR codes and save them to facilitate verification of the authenticity of the QR codes sent by the server.
  • the aggregated QR code generated by the gateway is a static aggregated QR code.
  • the gateway updates the aggregated QR code at preset time intervals to generate a dynamic aggregated QR code. Code, issued to the first device.
  • Step 25 When the gateway receives the download request sent by the first device, it sends the aggregated QR code to the first device, so that the second device scans the aggregated QR code to make payment to the account corresponding to the first device.
  • the second device may send a transaction request to the server.
  • the transaction request includes the aggregated QR code and identification information scanned by the second device.
  • Step 26 The gateway receives the transaction request forwarded by the second device through the server.
  • the transaction request includes the aggregated QR code scanned by the second device and identification information parsed according to the scanned aggregated QR code.
  • Step 27 The gateway matches the identification information with the merged mapping table to obtain scanning application information corresponding to the second device.
  • the server After receiving the transaction request, the server parses it to obtain the identification information, and then sends the identification information and the aggregated QR code scanned by the second device to the gateway, and the gateway finds the payment specification matching the identification information according to the merged mapping table
  • the scanning application information corresponding to the payment specification is obtained, and the scanning application information is the application used by the second device to scan the aggregated QR code corresponding to the first device.
  • the gateway may also receive the transaction request forwarded by the second device through the server, and obtain the scanning application information corresponding to the second device and the aggregated QR code scanned by the second device by analyzing the transaction request.
  • Step 27 The gateway judges whether the received aggregated QR code is one of the stored aggregated QR codes.
  • the second device scans the aggregated QR code to make payment to the account corresponding to the first device, and sends a payment request containing the scanned aggregated QR code to the server, and the server receives the payment request sent by the second device Analyze the payment request to obtain the aggregate QR code sent by the second device, and forward the aggregate QR code to the gateway, and the gateway verifies whether the aggregate QR code is one of the aggregate QR codes that have been saved If the aggregated two-dimensional code is one of the aggregated two-dimensional codes that have been saved, it is further judged whether the merchant information is the same to avoid payment errors.
  • Step 28 If the aggregated two-dimensional code is the aggregated two-dimensional code corresponding to the first device, send a verification success message to the server, so that the server calls an interface matching the scan application information to deduct the payment.
  • Scanning application information is the application used by the second device to scan the aggregated QR code; if the result of the gateway verification is correct, a verification success message is sent to the server, and the verification success message includes scanning application information so that the server can perform deductions Operation; if the result of the gateway verification is an error, send a verification failure message to the server.
  • Step 29 Receive the transaction result sent by the server, and forward the transaction result to the first device.
  • the server sends the transaction result to the first device through the gateway to notify the first device of the success or failure of the collection.
  • the two-dimensional code corresponding to UnionPay and FPS is taken as an example for description.
  • UnionPay follows the EMV standard to develop a set of UnionPay QRC interface rules, which are provided to merchants for docking to realize UnionPay QR service payment.
  • the corresponding relationship between the identification number and the description information is shown in the following table:
  • the description information corresponding to the identification number 00 is 01; the description information corresponding to the identification number 01 is 11 or 12; the description information corresponding to other identification numbers can include merchant category, merchant city or merchant country, etc.
  • the QRC interface rules are used to fill in the grouping; after the grouping is completed, a fixed QR code string is obtained, for example, as shown below:
  • FPS follows the EMV standard and develops a set of FPS QRC interface rules, which are provided to merchants for docking to realize FPS's QR service payment.
  • the corresponding relationship between the identification number and the description information is shown in the following table:
  • the description information corresponding to the identification number 00 is 01
  • the description information corresponding to the identification number 01 is 11
  • the description information corresponding to other identification numbers can be filled in according to the FPS payment specification.
  • the string for example, is as follows:
  • Each payment wallet (such as UnionPay, FPS, Visa or MC, etc.) corresponds to an independent QR code, which is not convenient for merchants to paste codes and consumers to scan codes. For the convenience of merchants and consumers, it can correspond to different payment wallets.
  • the QR code is aggregated. In the EMV standard, there are many reserved identification numbers. As long as the QR code displayed by each payment wallet complies with the QRC rules of the respective wallet, that is, the description information corresponding to the required item or the identification number of the specified item is correct, then the payment will not be affected
  • the wallet recognizes the aggregated QR code. After recognizing the effective content contained in the aggregated QR code, the cash register of the corresponding wallet can be successfully pulled up.
  • the gateway can determine what type of scanning application to use to scan the aggregated QR code according to the aggregated description information in the aggregated QR code string to obtain the scan Application information, for example, if the consumer uses the UnionPay APP to scan the aggregated QR code, if the UnionPay APP can parse the merchant ID and send it to the gateway through the server, the gateway can confirm that the scanning application is a UnionPay APP; the gateway maps according to the merge Form, generate a new aggregated two-dimensional code string, then convert the aggregated two-dimensional code string into an aggregated two-dimensional code, and provide it to the merchant.
  • the generated aggregated QR code can be recognized by different third parties.
  • the subsequent payment process can be completed.
  • the gateway can plan and make full use of the description information corresponding to the identification number in the EMV standard according to the EMV standard, merge the same description information in the QR code standard of the card organization and the local bank, and process and map the different description information separately. Ensure the compatibility and scalability of the QR code.
  • Figure 3 is a schematic flowchart of another embodiment of the aggregate payment method provided by the present application, and the method includes:
  • Step 31 The second device scans the aggregated QR code.
  • the aggregated two-dimensional code is the payment code of the first device.
  • Step 32 The second device parses the aggregated two-dimensional code, and obtains identification information corresponding to the aggregated two-dimensional code.
  • the second device judges whether the analysis of the aggregated QR code using the scanning application is successful; if the analysis is successful, the identification information can be obtained; if the analysis fails, the analysis error indicates that the scanning application cannot be used for payment. You can prompt to scan using a scanning application supported by the aggregated QR code.
  • the aggregated QR code aggregates the QR codes corresponding to the FPS payment specification, UnionPay payment specification, and MC payment specification. Consumers use WeChat to scan the aggregated QR code, which cannot be parsed. A reminder message is displayed on the second device. Remind consumers to use FPS APP, UnionPay APP or MC APP for payment.
  • Step 33 The second device sends a transaction request to the server, so that the server invokes an interface matching the scan application information to deduct the payment.
  • the transaction request includes the identification information and the aggregated QR code.
  • the second device After the second device successfully parses the identification information, it sends the transaction request to the server so that the server can call the payment interface to deduct the payment and complete the scan code payment.
  • Figure 4 is a schematic flowchart of yet another embodiment of the aggregate payment method provided by the present application.
  • the method includes:
  • Step 41 After receiving the transaction request sent by the second device, the server sends a verification request message to the gateway to verify the authenticity of the aggregated QR code to the gateway.
  • the second device sends a transaction request to the server.
  • the server may be a card organization server. Specifically, it may be a server corresponding to UnionPay/Visa/MC/FPS.
  • the transaction request includes identification information and an aggregated QR code.
  • the identification information is payment At least part of the description information corresponding to the specification; after receiving the transaction request, the server initiates a verification request for the aggregated QR code to the gateway, and the gateway verifies the aggregated QR code.
  • Step 42 The server receives the verification success message sent by the gateway, and calls an interface matching the scan application information to deduct the payment.
  • the verification success message includes scan application information.
  • the server parses the verification success message to obtain the scan application information, and calls the interface corresponding to the scan application information to deduct the payment.
  • Step 43 The server sends the transaction result to the first device through the gateway, and sends the transaction result to the second device.
  • the server can also determine whether the account corresponding to the second device has a balance greater than the amount to be paid; if the account balance corresponding to the second device is sufficient, it sends a transaction success message to the first device and the second device; if the account corresponding to the second device is If the balance is insufficient to pay, a transaction failure message is sent to the second device, so that the second device re-initiates the transaction request.
  • FIG. 5 is a schematic structural diagram of an embodiment of the gateway provided by the present application.
  • the gateway 50 includes a memory 51 and a processor 52 that are connected to each other.
  • the memory 51 is used to store a computer program, and the computer program is executed by the processor 52. , Used to implement the aggregate payment method in the above embodiment.
  • the gateway 50 can aggregate the QR codes of multiple payment specifications according to the content of the QR code, and when the consumer initiates a payment request, it is routed to different card organizations or local banking systems to complete the payment, and aggregate the EMV QR code It can provide convenience for merchants. Merchants do not need to post multiple QR codes. One aggregate QR code can complete the collection of multiple payment wallets.
  • FIG. 6 is a schematic structural diagram of an embodiment of a mobile device provided by the present application.
  • the mobile device 60 includes a memory 61 and a processor 62 that are connected to each other.
  • the memory 61 is used to store a computer program.
  • 62 is used to implement the aggregate payment method in the foregoing embodiment.
  • the mobile device 60 is a device corresponding to the consumer, such as a consumer's mobile phone; the aggregated EMV QR code provides convenience to consumers. Consumers can use different wallets to pay, and they will not fail to pay because of choosing the wrong payment wallet, and there is no need to download more This kind of payment wallet is convenient for consumers to operate, improves the transaction success rate, and optimizes the consumer experience.
  • FIG. 7 is a schematic structural diagram of an embodiment of the server provided by the present application.
  • the server 70 includes a memory 71 and a processor 72 that are connected to each other.
  • the memory 71 is used to store a computer program that is executed by the processor 72. , Used to implement the aggregate payment method in the above embodiment.
  • Fig. 8 is a schematic structural diagram of an embodiment of the payment system provided by the present application.
  • the payment system 80 includes a mobile device 81, a gateway 82, and a server 83 that are sequentially connected.
  • the gateway 81 is the gateway in the above embodiment.
  • the device 82 is the mobile device in the foregoing embodiment, and the server 83 is the server in the foregoing embodiment.
  • the payment system 80 supports the QR code aggregation payment based on the EMV standard.
  • the gateway 82 analyzes and merges the QR codes of the major card groups and local banks to generate the aggregate QR code, which solves the problem that merchants need to post multiple receipts.
  • the two-dimensional code and the trouble that consumers need to use different payment wallets to scan the code are convenient for merchants and consumers.
  • FIG. 9 is a schematic structural diagram of an embodiment of a storage medium provided by the present application.
  • the storage medium 90 is used to store a computer program 91.
  • the computer program 91 is executed by a processor, it is used to implement the above-mentioned embodiment. Aggregate payment methods.
  • the storage medium 90 can be a server, a U disk, a mobile hard disk, a read-only memory (ROM, Read-Only Memory), a random access memory (RAM, Random Access Memory), a magnetic disk or an optical disk, etc.
  • the medium of the program code can be a server, a U disk, a mobile hard disk, a read-only memory (ROM, Read-Only Memory), a random access memory (RAM, Random Access Memory), a magnetic disk or an optical disk, etc.
  • the medium of the program code can be a server, a U disk, a mobile hard disk, a read-only memory (ROM, Read-Only Memory), a random access memory (RAM, Random Access Memory), a magnetic disk or an optical disk, etc.
  • the medium of the program code can be a server, a U disk, a mobile hard disk, a read-only memory (ROM, Read-Only Memory), a random access memory (RAM, Random Access Memory), a magnetic disk or an optical disk, etc.
  • the disclosed method and device may be implemented in other ways.
  • the device implementation described above is only illustrative, for example, the division of modules or units is only a logical function division, and there may be other divisions in actual implementation, for example, multiple units or components can be combined or It can be integrated into another system, or some features can be ignored or not implemented.
  • the units described as separate components may or may not be physically separate, and the components displayed as units may or may not be physical units, that is, they may be located in one place, or they may be distributed on multiple network units. Some or all of the units may be selected according to actual needs to achieve the objectives of the solutions of this embodiment.
  • the functional units in the various embodiments of the present application may be integrated into one processing unit, or each unit may exist alone physically, or two or more units may be integrated into one unit.
  • the above-mentioned integrated unit can be implemented in the form of hardware or software functional unit.

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Abstract

La présente invention concerne un procédé de paiement total et des dispositifs associés. Le procédé de paiement total consiste : à acquérir, au moyen d'une passerelle, au moins deux chaînes de caractères de code bidimensionnel, chaque chaîne de caractères de code bidimensionnel correspondant à une spécification de paiement ; à combiner, au moyen de la passerelle, toutes les chaînes de caractères de code bidimensionnel afin d'obtenir une chaîne de caractères de code bidimensionnel total, et à convertir la chaîne de caractères de code bidimensionnel total en un code bidimensionnel total ; et lors de la réception d'une requête de téléchargement envoyée par un premier dispositif, à envoyer, au moyen de la passerelle, le code bidimensionnel total au premier dispositif, de sorte qu'un second dispositif effectue un paiement sur un compte correspondant au premier dispositif par balayage du code bidimensionnel total, la chaîne de caractères de code bidimensionnel total comprenant des informations d'identification, qui sont utilisées pour distinguer différentes spécifications de paiement, de chaque chaîne de caractères de code bidimensionnel. Au moyen dudit procédé, la présente invention peut utiliser la passerelle pour générer un code bidimensionnel total, ce qui permet d'éviter l'utilisation d'une pluralité de codes bidimensionnels par un commerçant pour la réception, et de simplifier une opération de paiement.
PCT/CN2019/094897 2019-07-05 2019-07-05 Procédé de paiement total et dispositifs associés WO2021003607A1 (fr)

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CN201980010274.XA CN111684481A (zh) 2019-07-05 2019-07-05 一种聚合支付方法以及相关设备
PCT/CN2019/094897 WO2021003607A1 (fr) 2019-07-05 2019-07-05 Procédé de paiement total et dispositifs associés
PH12020551353A PH12020551353A1 (en) 2019-07-05 2020-08-28 Integrated Payment Method and Related Devices

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CN113807831A (zh) * 2021-09-07 2021-12-17 维沃移动通信有限公司 支付方法和装置
CN116664120A (zh) * 2023-06-15 2023-08-29 山东烟台烟草有限公司 一种跨支付通道实现消费者身份唯一标识的方法及系统

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