WO2021081704A1 - 支付二维码管理方法、设备、支付系统以及存储介质 - Google Patents

支付二维码管理方法、设备、支付系统以及存储介质 Download PDF

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Publication number
WO2021081704A1
WO2021081704A1 PCT/CN2019/113672 CN2019113672W WO2021081704A1 WO 2021081704 A1 WO2021081704 A1 WO 2021081704A1 CN 2019113672 W CN2019113672 W CN 2019113672W WO 2021081704 A1 WO2021081704 A1 WO 2021081704A1
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WO
WIPO (PCT)
Prior art keywords
payment
code
code generation
information
dimensional
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PCT/CN2019/113672
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English (en)
French (fr)
Inventor
张钟文
柳彤
朱大卫
汤慧秀
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深圳海付移通科技有限公司
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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 PCT/CN2019/113672 priority Critical patent/WO2021081704A1/zh
Priority to CN201980010273.5A priority patent/CN111801698A/zh
Priority to PH12020551354A priority patent/PH12020551354A1/en
Publication of WO2021081704A1 publication Critical patent/WO2021081704A1/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
    • G06Q20/30—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
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3223—Realising banking transactions through M-devices
    • 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

Definitions

  • This application relates to the field of electronic payment technology, in particular to a payment QR code management method, device, payment system and computer storage medium.
  • This application provides a payment QR code management method, equipment, payment system, and computer storage medium to solve the problems of complicated electronic payment process and poor payment experience for users and merchants in the prior art.
  • this application proposes a payment QR code management method, and the payment QR code management method includes:
  • this application proposes a payment system, the payment system includes at least a payment terminal, a payment platform, and a gateway, wherein the payment terminal and the gateway establish communication connections with the payment platform respectively;
  • the payment terminal is used to send QR code generation information to the payment platform;
  • the payment platform is configured to send the QR code generation information to the gateway through the code generation interface of the gateway;
  • the gateway is configured to generate the payment QR code based on the QR code generation information, and return the payment QR code to the payment platform;
  • the payment platform is also used to provide a download link of the payment QR code to the payment terminal.
  • the payment QR code management device includes an acquisition module, a processing module, and a download module.
  • the processing module is coupled;
  • the obtaining module is used to obtain the QR code generation information of the payment terminal
  • the processing module is configured to call the code generation interface of the gateway, so that the gateway generates the payment QR code based on the QR code generation information;
  • the download module is configured to receive the payment QR code returned by the gateway, and provide a download link of the payment QR code to the payment terminal.
  • this application proposes a payment QR code management device, the payment platform management device includes a memory and a processor coupled with the memory;
  • the memory is used to store a computer program
  • the processor is used to execute the computer program to implement the payment two-dimensional code management method as described above.
  • this application proposes a computer storage medium, which is used to store a computer program, and when the computer program is executed by a processor, it is used to implement the above-mentioned payment QR code management method.
  • the payment QR code management device obtains the QR code generation information of the payment terminal; calls the gateway’s code generation interface, so that the gateway generates the payment QR code based on the QR code generation information. Code; receiving the payment QR code returned by the gateway, and providing a download link of the payment QR code to the payment terminal.
  • the payment QR code management method provided by the present application can automatically generate a corresponding payment QR code based on the QR code generation information of the payment terminal, thereby improving the speed and security of electronic payment.
  • FIG. 1 is a schematic flowchart of a first embodiment of a payment QR code management method provided by the present application
  • FIG. 2 is a schematic diagram of a two-dimensional code management interface in the embodiment shown in FIG. 1;
  • FIG. 3 is a schematic flowchart of a second embodiment of the payment QR code management method provided by the present application.
  • FIG. 4 is a schematic diagram of a batch two-dimensional code generation interface in the embodiment shown in FIG. 3;
  • FIG. 5 is a schematic diagram of a batch two-dimensional code generation interface in the embodiment shown in FIG. 3;
  • FIG. 6 is a schematic flowchart of the third embodiment of the payment QR code management method provided by the present application.
  • Fig. 7 is a schematic structural diagram of an embodiment of the payment system provided by the present application.
  • FIG. 8 is a schematic structural diagram of an embodiment of a payment QR code management device provided by the present application.
  • FIG. 9 is a schematic structural diagram of another embodiment of the payment QR code management device provided by the present application.
  • FIG. 10 is a schematic structural diagram of an embodiment of a computer storage medium provided by the present application.
  • FIG. 1 is a schematic flowchart of the first embodiment of the payment QR code management method provided by the present application.
  • the payment QR code management method of the present application is applied to a payment QR code management device.
  • the payment QR code management device may be a server, a terminal device, or a system in which the server and the terminal device cooperate with each other.
  • the various parts included in the payment QR code management device such as the various units, sub-units, modules, and sub-modules, can be all set in the server, or all set in the terminal device, or set in the server and the terminal device respectively. in.
  • the aforementioned server may be hardware or software.
  • the server When the server is hardware, it can be implemented as a distributed server cluster composed of multiple servers, or as a single server.
  • the server When the server is software, it can be implemented as multiple software or software modules, for example, a software or software module used to provide a distributed server, or it can be implemented as a single software or software module, which is not specifically limited here.
  • the management device is unified as the execution subject.
  • the payment QR code management method of this embodiment specifically includes the following steps:
  • the payment platform of the present application and the merchant implement the payment page management through the payment terminal of this embodiment, and the payment terminal may be a smart phone, a POS machine, a tablet computer, or other terminal devices.
  • the identification, instruction, information, etc. sent or obtained by the merchant can also occur between the payment terminal and the payment platform or gateway.
  • the management device can be equipped with a payment platform, and data management of information interaction can be carried out through the payment platform.
  • the payment terminal can use the function permissions provided on the payment platform, such as the payment QR code management function of this application.
  • the management device first obtains the two-dimensional code generation instruction of the payment terminal, and displays the two-dimensional code generation interface based on the two-dimensional code generation instruction. Multiple input boxes are provided on the QR code generation interface to facilitate the payment terminal to input the QR code generation information in the input boxes. Then, the management device obtains the two-dimensional code generation information input by the payment terminal on the two-dimensional code generation interface.
  • the information generated by the QR code includes bill number information, amount information, and remarks information.
  • the same device has an OK button and a cancel button on the QR code generation interface.
  • the management device receives the input instruction related to the cancel button, the management device exits the payment QR code management function.
  • the management device receives the input instruction related to the confirm button, it uses asynchronous processing to obtain the QR code generation information, and enters the QR code generation process in the following steps.
  • the receiving terminal Before the step of obtaining the two-dimensional generation instruction of the receiving terminal, the receiving terminal needs to log in to the payment platform.
  • the management device provides a login interface composed of multiple input boxes to the payment terminal through the payment platform.
  • the login interface includes at least an account input box, a password input box, a verification code input box, and a login button. After the payment terminal enters the account and secret information and the verification code, click the login button to send a login instruction to upload the account and secret information to the payment platform.
  • the payment platform receives the login instruction, it calls the login information stored in the public cloud.
  • the management device calls the verification function of the public cloud through the payment platform, and verifies whether the account secret information entered by the user matches the stored login information through the public cloud. If it does not match, the first login failure message is returned to prompt the user that the account password is entered incorrectly; if it matches, the user's login authority on the payment platform is further verified. If the user does not have the login authority, the second login failure message is returned to prompt the user that the system authority has not been activated; if the user has the login authority, the payment platform interface including the merchant profile corresponding to the system authority is displayed.
  • the management device displays the two-dimensional code management interface as shown in Figure 2 through the payment platform.
  • the QR code management interface in Figure 2 provides the history creation record of the QR code and the corresponding operation buttons, such as "retry”, “details", “download” and other operation buttons for users to check the history creation record of the QR code And management.
  • the management device displays more QR code history creation records; when the user selects the "Retry” button, the management device regenerates the payment QR code according to the corresponding QR code history creation records Code; when the user selects the "download” button, the management device will provide the payment QR code download link corresponding to the QR code history creation record of the receiving terminal.
  • S102 Invoke the code generation interface of the gateway, so that the gateway generates a payment QR code based on the information generated by the QR code.
  • the management device After the management device obtains the QR code generation information of the payment terminal, it calls the code generation interface of the gateway, thereby invoking the QR code generation function of the gateway to generate a payment QR code based on the QR code generation information.
  • the payment platform and the gateway agree on an identification field.
  • the gateway can identify the code generation request of the payment platform based on the identification field, and then the gateway executes special processing logic, that is, only generates a payment QR code and creates a payment order.
  • the code generation interface of the gateway returns the generated payment QR code, it also needs to additionally return the payment order number configured by the gateway.
  • the payment order number is convenient for the payment platform to subsequently associate with the bill generated by the payment QR code.
  • S103 Receive the payment QR code returned by the gateway, and provide a download link of the payment QR code to the payment terminal.
  • the management device receives the payment QR code returned by the gateway, and provides a download link of the payment QR code to the payment terminal.
  • the QR code management interface the payment terminal clicks the download button, and the payment QR code can be downloaded through the download link provided by the management device.
  • the payment QR code management device obtains the QR code generation information of the payment terminal; calls the code generation interface of the gateway so that the gateway generates the payment QR code based on the QR code generation information; receives the payment returned by the gateway QR code, and provide a download link of the payment QR code to the payment terminal.
  • the payment QR code management method provided by the present application can automatically generate a corresponding payment QR code based on the QR code generation information of the payment terminal, thereby improving the speed and security of electronic payment.
  • this application further proposes another specific payment QR code management method.
  • FIG. 3 is a schematic flowchart of the second embodiment of the payment QR code management method provided by the present application.
  • the payment QR code management method of this embodiment specifically includes the following steps:
  • S201 Display a batch two-dimensional code generation interface based on the batch two-dimensional code generation instruction, where the batch two-dimensional code generation interface includes a download template button and a file import button.
  • the two-dimensional code management interface in Fig. 2 also provides buttons for generating two-dimensional codes and buttons for batch generating two-dimensional codes.
  • the management device When the management device receives a single QR code generation instruction related to the button for generating a QR code, the management device activates the single QR code generation function. Specifically, the management device displays a single QR code generation interface as shown in FIG. 4 based on a single QR code generation instruction, where the single QR code generation interface in FIG. 3 includes a bill number input box and an amount input box.
  • the management device When the management device receives the batch two-dimensional code generation instruction related to the batch generation two-dimensional code button, the management device starts the batch two-dimensional code generation function. Specifically, the management device displays the batch two-dimensional code generation interface as shown in FIG. 5 based on the batch two-dimensional code generation instruction, where the batch two-dimensional code generation interface in FIG. 4 includes a download module button and a file import button.
  • S202 Download the QR code generation information file uploaded by the payment terminal from the batch QR code generation interface.
  • the management device recognizes the first input information of the bill number input box and the amount input box from the single two-dimensional code generation interface.
  • the management device downloads the QR code generation information file uploaded by the payment terminal from the batch QR code generation interface.
  • the two-dimensional code generation information file may be any format file among word files, execl files and txt files, and at least two two-dimensional code generation information are recorded in the two-dimensional code generation information file.
  • the management device first receives the download template instruction from the payment terminal, where the download template instruction is triggered by the download model button. Then, the management device obtains the network address of the payment terminal for downloading the template instruction, and sends a two-dimensional code to the payment terminal according to the network address of the payment terminal to generate an information template. The payment terminal fills in the second input information into the two-dimensional code generation information template to form a two-dimensional code generation information file.
  • the second input information includes at least multiple account numbers and multiple corresponding amounts.
  • the management device needs to determine whether the first input information meets the preset verification rule.
  • the input information in the bill number input box should be a numeric string with a preset length; the input information in the amount input box should be a numeric string, and the default currency of the amount is HKD or other currencies.
  • the management device needs to determine whether the first input information meets the preset verification rules.
  • the judgment content is the same as the judgment content of a single two-dimensional code, and will not be repeated here.
  • the management device when the verification fails, returns verification failure information to remind the receiving terminal to re-enter the first input information or the second input information, and the verification failure information includes the first input information or the error information in the second input information s position.
  • S206 Generate QR code generation information from the second input information.
  • the management device when the verification is successful, the management device further generates the two-dimensional code generation information according to the first input information or the second input information.
  • the payment QR code management method of this embodiment specifically includes the following steps:
  • S301 Obtain the user's code scanning information based on the payment QR code, where the code scanning information includes the account identification of the user's payment account.
  • the payment terminal sends its own payment QR code to the user for a code scanning transaction.
  • the user can input the user's scan code information by scanning the payment QR code, where the scan code information includes at least the account identification of the user's payment account.
  • S302 Obtain card-issuing bank information and acquirer information from the scan code information, so as to notify the card-issuing bank and the acquirer to complete the payment transaction.
  • the management device obtains the card issuing bank information and the acquiring bank information of the payment account from the account identification of the user's payment account.
  • the management device notifies the issuing bank of the creation time, amount involved, and information of the acquiring bank of the payment transaction, so that the issuing bank transfers the amount involved to the acquiring bank;
  • the acquiring bank confirms the amount involved and informs the receiving terminal The payment is successfully received, and the gateway will be notified of the payment status of the order at the same time.
  • S303 Send the payment transaction result to the user, the payment terminal and the gateway.
  • FIG. 7 is a schematic structural diagram of an embodiment of the payment system provided by this application.
  • the payment system 600 of this embodiment at least includes a payment terminal 61, a payment platform 62, and a gateway 63, wherein the payment terminal 61 and the gateway 63 establish a communication connection with the payment platform 62, respectively.
  • the payment terminal 61 is configured to send the QR code generation information to the payment platform 62.
  • the payment platform 62 is configured to send QR code generation information to the gateway 63 through the code generation interface of the gateway 63.
  • the gateway 63 is configured to generate a payment QR code based on the information generated by the QR code, and return the payment QR code to the payment platform 62;
  • the payment platform 62 is also used to provide a download link of the payment QR code to the payment terminal 61.
  • FIG. 8 is a schematic structural diagram of an embodiment of the payment QR code management device provided by this application. .
  • the payment QR code management device 700 of this embodiment includes an acquisition module 71, a processing module 72, and a download module 73, wherein the acquisition module 71 and the download module 73 are respectively coupled to the processing module 72;
  • the obtaining module 71 is used to obtain the QR code generation information of the payment terminal.
  • the processing module 72 is configured to call the code generation interface of the gateway, so that the gateway generates a payment QR code based on the information generated by the QR code.
  • the download module 73 is configured to receive the payment QR code returned by the gateway, and provide a download link of the payment QR code to the payment terminal.
  • the payment two-dimensional code management device 700 further includes a display module 74, and the display module 74 is coupled to the processing module 72.
  • the obtaining module 71 is used to obtain the two-dimensional code generation instruction of the payment terminal.
  • the display module 74 is configured to display a two-dimensional code generation interface based on a two-dimensional code generation instruction.
  • the processing module 72 is configured to obtain the two-dimensional code generation information from the two-dimensional code generation interface.
  • the payment QR code management device 700 further includes a transaction module 75, and the transaction module 75 is coupled to the processing module 72;
  • the obtaining module 71 is configured to obtain the user's code scanning information based on the payment QR code, where the code scanning information includes the account identification of the user's payment account.
  • the transaction module 75 is used to perform payment transaction processing according to the scan code information.
  • FIG. 9 is another embodiment of the payment QR code management device provided by this application. Schematic.
  • the payment two-dimensional code management device 800 of this embodiment includes a processor 81, a memory 82, an input and output device 83, and a bus 84.
  • the processor 81, the memory 82, and the input/output device 83 are respectively connected to the bus 84, the memory 82 stores a computer program, and the processor 81 is configured to execute the computer program to implement the payment QR code management method described in the foregoing embodiment.
  • the processor 81 may also be referred to as a CPU (Central Processing Unit, central processing unit).
  • the processor 81 may be an integrated circuit chip with signal processing capability.
  • the processor 81 may also be a general-purpose processor, a digital signal processor (DSP), an application specific integrated circuit (ASIC), a field programmable gate array (FPGA) or other programmable logic device, a discrete gate or transistor logic device, a discrete hardware component .
  • the general-purpose processor may be a microprocessor or the processor 81 may also be any conventional processor or the like.
  • This application also provides a computer storage medium.
  • the computer storage medium 900 is used to store a computer program 91.
  • the computer program 91 is executed by a processor, it is used to implement the payment QR code management provided in this application. The method described in the method embodiment.
  • the methods involved in the embodiments of the payment QR code management method provided in this application when implemented in the form of software functional units and sold or used as independent products, can be stored in a device, such as a computer readable Take the storage medium.
  • a device such as a computer readable Take the storage medium.
  • the technical solution of the present application essentially or the part that contributes to the existing technology or all or part of the technical solution can be embodied in the form of a software product, and the computer software product is stored in a storage medium , Including several instructions to enable a computer device (which may be a personal computer, a server, or a network device, etc.) or a processor to execute all or part of the steps of the methods described in the various embodiments of the present invention.
  • the aforementioned storage media include: U disk, mobile hard disk, read-only memory (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), magnetic disks or optical disks and other media that can store program codes. .

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Abstract

一种支付二维码管理方法、设备、支付系统以及计算机存储介质，该支付二维码管理方法包括：获取收款终端的二维码生成信息（S101）；调用网关的生码接口，以使网关基于二维码生成信息生成支付二维码（S102）；接收网关返回的支付二维码，并提供支付二维码的下载链接给所述收款终端（S103）。所述支付二维码管理方法能够自动根据收款终端的二维码生成信息生成对应的支付二维码，提高电子支付的快捷性和安全性。

Description

支付二维码管理方法、设备、支付系统以及存储介质 技术领域
本申请涉及电子支付技术领域，特别是涉及一种支付二维码管理方法、设备、支付系统以及计算机存储介质。
背景技术
随着科学技术的不断发展，购物付款方式已经逐步从现金支付方式演变成电子支付方式。对于现金的使用已经逐渐减少，然后现有电子支付技术中，绝大部分的基于二维码的支付机具都是被扫模式，即用户出示手机上的付款码/条码，店主主动扫描用户的付款码，并进行扣款。这需要商户的设备配置有摄像头模块，且对摄像头模块的精度有一定要求，每次需要商户手动输入金额，并不适合小额高额的商户使用。并且，在条码支付业务中，对安全性有较高的要求，如果安全性较低，可以对支付限额进行控制。
技术解决方案
本申请提供一种支付二维码管理方法、设备、支付系统以及计算机存储介质，以解决现有技术中电子支付过程繁琐，用户和商户支付体验差的问题。
为解决上述技术问题，本申请提出一种支付二维码管理方法，所述支付二维码管理方法包括：
获取收款终端的二维码生成信息；
调用网关的生码接口，以使所述网关基于所述二维码生成信息生成所述支付二维码；
接收所述网关返回的所述支付二维码，并提供所述支付二维码的下载链接给所述收款终端。
为解决上述技术问题，本申请提出一种支付系统，所述支付系统至少包括收款终端、支付平台以及网关，其中，所述收款终端和所述网关分别与所述支付平台建立通信连接；
所述收款终端，用于发送二维码生成信息给所述支付平台；
所述支付平台，用于通过所述网关的生码接口发送所述二维码生成信息给所述网关；
所述网关，用于基于所述二维码生成信息生成所述支付二维码，并返回所述支付二维码给所述支付平台；
所述支付平台，还用于提供所述支付二维码的下载链接给所述收款终端。
为解决上述技术问题，本申请提出一种支付二维码管理设备，所述支付二维码管理设备包括获取模块、处理模块以及下载模块，其中，所述获取模块、所述下载模块分别与所述处理模块耦接；
所述获取模块，用于获取收款终端的二维码生成信息；
所述处理模块，用于调用网关的生码接口，以使所述网关基于所述二维码生成信息生成所述支付二维码；
所述下载模块，用于接收所述网关返回的所述支付二维码，并提供所述支付二维码的下载链接给所述收款终端。
为解决上述技术问题，本申请提出一种支付二维码管理设备，所述支付平台管理设备包括存储器以及与所述存储器耦接的处理器；
其中，所述存储器用于存储计算机程序，所述处理器用于执行所述计算机程序以实现如上述的支付二维码管理方法。
为解决上述技术问题，本申请提出一种计算机存储介质，所述计算机存储介质用于存储计算机程序，所述计算机程序在被处理器执行时，用以实现如上述的支付二维码管理方法。
区别于现有技术，本申请的有益效果在于：支付二维码管理设备获取收款终端的二维码生成信息；调用网关的生码接口，以使网关基于二维码生成信息生成支付二维码；接收网关返回的支付二维码，并提供支付二维码的下载链接给所述收款终端。本申请提供的支付二维码管理方法能够自动根据收款终端的二维码生成信息生成对应的支付二维码，提高电子支付的快捷性和安全性。
附图说明
为了更清楚地说明本发明实施例中的技术方案，下面将对实施例描述中所需要使用的附图作简单地介绍，显而易见地，下面描述中的附图仅仅是本发明的一些实施例，对本领域普通技术人员来讲，在不付出创造性劳动的前提下，还可以根据这些附图获得其他的附图。
图1是本申请提供的支付二维码管理方法第一实施例的流程示意图；
图2是图1所示实施例中二维码管理界面的示意图；
图3是本申请提供的支付二维码管理方法第二实施例的流程示意图；
图4是图3所示实施例中批量二维码生成界面的示意图；
图5是图3所示实施例中批量二维码生成界面的示意图；
图6是本申请提供的支付二维码管理方法第三实施例的流程示意图
图7是本申请提供的支付系统一实施例的结构示意图；
图8是本申请提供的支付二维码管理设备一实施例的结构示意图；
图9是本申请提供的支付二维码管理设备另一实施例的结构示意图；
图10是本申请提供的计算机存储介质一实施例的结构示意图。
本发明的实施方式
下面将结合本发明实施例中的附图，对本发明实施例中的技术方案进行清楚、完整地描述，显然，所描述的实施例仅是本发明的一部分实施例，而不是全部的实施例。基于本发明中的实施例，本领域普通技术人员在没有做出创造性劳动前提下所获得的所有其他实施例，都属于本发明保护的范围。
为了解决目前电子支付过程繁琐，用户和商户支付体验差的问题，本申请提出了一种支付二维码管理方法。具体请参阅图1，图1是本申请提供的支付二维码管理方法第一实施例的流程示意图，本申请的支付二维码管理方法应用于一种支付二维码管理设备。
其中，支付二维码管理设备可以为服务器，也可以为终端设备，还可以由服务器和终端设备相互配合的系统。相应地，支付二维码管理设备包括的各个部分，例如各个单元、子单元、模块、子模块可以全部设置于服务器中，也可以全部设置于终端设备中，还可以分别设置于服务器和终端设备中。
进一步地，上述服务器可以是硬件，也可以是软件。当服务器为硬件时，可以实现成多个服务器组成的分布式服务器集群，也可以实现成单个服务器。当服务器为软件时，可以实现成多个软件或软件模块，例如用来提供分布式服务器的软件或软件模块，也可以实现成单个软件或软件模块，在此不做具体限定。
需要说明的是，在本申请的支付二维码管理方法描述中，统一以管理设备作为执行主体。
如图1所示，本实施例的支付二维码管理方法具体包括以下步骤：
S101：获取收款终端的二维码生成信息。
其中，本申请的支付平台与商户之间是通过本实施例的收款终端来实现支付页面管理的，收款终端可以为智能手机、POS机、平板电脑等终端设备。商户发送或获取的标识、指令、信息等同样可以发生在收款终端与支付平台或网关之间。
其中，管理设备上可以搭载有支付平台，通过支付平台进行信息交互的数据管理。当收款终端在支付平台上完整商户档案的创建后，收款终端可以使用支付平台上提供的功能权限，如本申请的支付二维码管理功能。具体地，管理设备首先获取收款终端的的二维码生成指令，并基于该二维码生成指令显示二维码生成界面。在二维码生成界面上设置有多个输入框，用于便于收款终端在输入框中输入二维码生成信息。然后，管理设备在二维码生成界面上获取收款终端输入的二维码生成信息。其中，二维码生成信息中包括账单号码信息、金额信息以及备注信息等。
进一步地，在二维码生成界面上同样设备有确定按钮和取消按钮。当管理设备接收到与取消按钮相关的输入指令时，管理设备退出支付二维码管理功能。当管理设备接收到与确定按钮相关的输入指令时，采用异步处理的方式获取二维码生成信息，并进入下述步骤的二维码生成进程。
在获取收款终端的二维生成指令的步骤之前，收款终端需要登录支付平台。具体地，管理设备通过支付平台提供给收款终端多个输入框组成的登录界面。登录界面中至少包括账号输入框、密码输入框、验证码输入框以及登录按钮。收款终端输入账密信息以及验证码后，点击登录按钮，发送登录指令以将账密信息上传到支付平台。支付平台接收到登录指令时，调用公有云存储的登录信息。
其中，管理设备通过支付平台调用公有云的校验功能，通过公有云校验用户输入的账密信息是否与存储的登录信息相匹配。若不匹配，返回第一登录失败信息，以提示用户账号密码输入错误；若匹配，进一步校验用户在支付平台的登录权限。若用户不具有登录权限时，返回第二登录失败信息，以提示用户未开通系统权限；若用户具有登录权限时，则显示包括系统权限对应的商户档案的支付平台界面。
其中，当用户的账密信息正确，且用户具有登录权限时，管理设备通过支付平台显示如图2的二维码管理界面。图2的二维码管理界面提供二维码历史创建记录以及对应的操作按钮，如“重试”、“详情”、“下载”等操作按钮，以 供用户对二维码历史创建记录进行查阅和管理。例如，当用户选择“详情”按钮时，管理设备显示更多的二维码历史创建记录；当用户选择“重试”按钮时，管理设备根据对应的二维码历史创建记录重新生成支付二维码；当用户选择“下载”按钮时，管理设备将提供收款终端二维码历史创建记录对应的支付二维码下载链接。
S102：调用网关的生码接口，以使网关基于二维码生成信息生成支付二维码。
其中，管理设备获取收款终端的二维码生成信息后，调用网关的生码接口，从而调用网关的二维码生成功能基于二维码生成信息生成支付二维码。在配置支付平台时，支付平台与网关约定标识字段，网关可以基于该标识字段标识支付平台的生码请求，然后网关执行特殊处理逻辑，即只生成支付二维码和创建支付订单。进一步地，网关的生码接口在返回生成的支付二维码时，还需要额外返回网关配置的支付订单号，支付订单号便于支付平台后续与该支付二维码产生的账单进行关联。
S103：接收网关返回的支付二维码，并提供支付二维码的下载链接给收款终端。
其中，管理设备接收网关返回的支付二维码，并提供支付二维码的下载链接给收款终端。如图2的二维码管理界面，收款终端点击下载按钮，即可通过管理设备提供的下载链接下载支付二维码。
在本实施例中，支付二维码管理设备获取收款终端的二维码生成信息；调用网关的生码接口，以使网关基于二维码生成信息生成支付二维码；接收网关返回的支付二维码，并提供支付二维码的下载链接给所述收款终端。本申请提供的支付二维码管理方法能够自动根据收款终端的二维码生成信息生成对应的支付二维码，提高电子支付的快捷性和安全性。
由于不同商户的业务规模不同，业务规模较小的商户每次只需要生成单个支付二维码，而业务规模较大的商户每次需要生成大批量的支付二维码。因此，对于图1所示的实施例，本申请进一步提出了另一种具体的支付二维码管理方法。请继续参阅图3，图3是本申请提供的支付二维码管理方法第二实施例的流程示意图。
如图3所示，本实施例的支付二维码管理方法具体包括以下步骤：
S201：基于批量二维码生成指令显示批量二维码生成界面，其中，批量二 维码生成界面包括下载模板按钮和导入文件按钮。
其中，图2的二维码管理界面还提供生成二维码按钮和批量生成二维码按钮。
当管理设备接收到与生成二维码按钮相关的单次二维码生成指令时，管理设备启动单次二维码生成功能。具体地，管理设备基于单次二维码生成指令显示如图4所示的单次二维码生成界面，其中，图3的单次二维码生成界面包括账单号码输入框以及金额输入框。
当管理设备接收到与批量生成二维码按钮相关的批量二维码生成指令时，管理设备启动批量二维码生成功能。具体地，管理设备基于批量二维码生成指令显示如图5所示的批量二维码生成界面，其中，图4的批量二维码生成界面包括下载模块按钮以及导入文件按钮。
S202：从批量二维码生成界面下载收款终端上传的二维码生成信息文件。
其中，启动单次二维码生成功能时，管理设备从单次二维码生成界面识别账单号码输入框和金额输入框的第一输入信息。
启动批量二维码生成功能时，管理设备从批量二维码生成界面下载收款终端上传的二维码生成信息文件。其中，二维码生成信息文件可以为word文件、execl文件和txt文件中的任一格式文件，二维码生成信息文件中记录至少两条二维码生成信息。
具体地，在启动批量二维码生成后，管理设备首先接收收款终端的下载模板指令，其中，下载模板指令由下载模型按钮触发。然后，管理设备获取下载模板指令的收款终端网络地址，并根据该收款终端网络地址向收款终端发送二维码生成信息模板。收款终端往该二维码生成信息模板填写第二输入信息，以形成二维码生成信息文件。其中，第二输入信息至少包括多个账号号码以及对应的多个金额。
S203：从二维码生成信息文件获取第二输入信息。
S204：判断第二输入信息是否符合预设校验规则。
其中，启动单次二维码生成功能时，管理设备需要判断第一输入信息是否符合预设校验规则。例如，账单号码输入框中的输入信息应当为预设长度的数字字符串；金额输入框中的输入信息应当为数字字符串，且金额的默认币种为HKD，或者其他币种。
启动批量二维码生成功能时，管理设备需要判断第一输入信息是否符合预 设校验规则。判断内容与单次二维码的判断内容相同，在此不再赘述。
S205：返回校验失败信息。
其中，当校验失败时，管理设备返回校验失败信息，以提醒收款终端重新输入第一输入信息或第二输入信息，校验失败信息包括第一输入信息或第二输入信息中错误信息的位置。
S206：由第二输入信息生成二维码生成信息。
其中，当校验成功时，管理设备进一步根据第一输入信息或第二输入信息生成二维码生成信息。
对于图1所示实施例中的S103之后，本申请还提出了另一种具体的支付二维码管理方法，具体请参阅图6，图6是本申请提供的支付二维码管理方法第三实施例的流程示意图。
如图6所示，本实施例的支付二维码管理方法具体包括以下步骤：
S301：基于支付二维码获取用户的扫码信息，其中，扫码信息包括用户支付账号的账号标识。
其中，管理设备在完成支付二维码的生成后，收款终端将自身的支付二维码发送给用户进行扫码交易。用户通过扫描该支付二维码，即可输入用户的扫码信息，其中，扫码信息至少包括用户支付账户的账号标识。
S302：从扫码信息中获取发卡行信息、收单行信息，从而通知发卡行以及收单行以完成支付交易。
其中，管理设备从用户支付账户的账号标识获取支付账户的发卡行信息以及收单行信息。一方面，管理设备通知发卡行该支付交易事项的创建时间、涉及金额以及收单行信息等，以使发卡行将涉及金额转账到收单行；另一方面，收单行确认涉及金额，并通知收款终端收款成功，同时通知网关订单支付状态。
S303：发送支付交易结果给用户、收款终端以及网关。
为了实现上述的支付二维码管理方法，本申请提供了一种支付系统，具体请参阅图7，图7是本申请提供的支付系统一实施例的结构示意图。
如图7所示，本实施例的支付系统600至少包括收款终端61、支付平台62以及网关63，其中，收款终端61和网关63分别与支付平台62建立通信连接。
收款终端61，用于发送二维码生成信息给支付平台62。
支付平台62，用于通过网关63的生码接口发送二维码生成信息给网关63。
网关63，用于基于二维码生成信息生成支付二维码，并返回支付二维码给 支付平台62；
支付平台62，还用于提供支付二维码的下载链接给收款终端61。
为了实现上述的支付二维码管理方法，本申请还提供了一种支付二维码管理设备，具体请参阅图8，图8是本申请提供的支付二维码管理设备一实施例的结构示意图。
如图8所示，本实施例的支付二维码管理设备700包括获取模块71、处理模块72以及下载模块73，其中，获取模块71、下载模块73分别与处理模块72耦接；
获取模块71，用于获取收款终端的二维码生成信息。
处理模块72，用于调用网关的生码接口，以使网关基于二维码生成信息生成支付二维码。
下载模块73，用于接收网关返回的支付二维码，并提供支付二维码的下载链接给收款终端。
其中，支付二维码管理设备700还包括显示模块74，显示模块74与处理模块72耦接。
获取模块71，用于获取收款终端的二维码生成指令。
显示模块74，用于基于二维码生成指令显示二维码生成界面。
处理模块72，用于从二维码生成界面中获取二维码生成信息。
其中，支付二维码管理设备700还包括交易模块75，交易模块75与处理模块72耦接；
获取模块71，用于基于支付二维码获取用户的扫码信息，其中，扫码信息包括用户支付账号的账号标识。
交易模块75，用于根据扫码信息进行支付交易处理。
为了实现上述的支付二维码管理方法，本申请还提供了另一种支付二维码管理设备，具体请参阅图9，图9是本申请提供的支付二维码管理设备另一实施例的结构示意图。
如图9所示，本实施例的支付二维码管理设备800包括处理器81、存储器82、输入输出设备83以及总线84。
该处理器81、存储器82、输入输出设备83分别与总线84相连，该存储器82中存储有计算机程序，处理器81用于执行计算机程序以实现上述实施例所述的支付二维码管理方法。
在本实施例中，处理器81还可以称为CPU(Central Processing Unit，中央处理单元)。处理器81可能是一种集成电路芯片，具有信号的处理能力。处理器81还可以是通用处理器、数字信号处理器(DSP)、专用集成电路(ASIC)、现场可编程门阵列(FPGA)或者其它可编程逻辑器件、分立门或者晶体管逻辑器件、分立硬件组件。通用处理器可以是微处理器或者该处理器81也可以是任何常规的处理器等。
本申请还提供一种计算机存储介质，如图10所示，计算机存储介质900用于存储计算机程序91，计算机程序91在被处理器执行时，用以实现如本申请提供的支付二维码管理方法实施例中所述的方法。
本申请提供的支付二维码管理方法实施例中所涉及到的方法，在实现时以软件功能单元的形式存在并作为独立的产品销售或使用时，可以存储在装置中，例如一个计算机可读取存储介质。基于这样的理解，本申请的技术方案本质上或者说对现有技术做出贡献的部分或者该技术方案的全部或部分可以以软件产品的形式体现出来，该计算机软件产品存储在一个存储介质中，包括若干指令用以使得一台计算机设备(可以是个人计算机，服务器，或者网络设备等)或处理器(processor)执行本发明各个实施方式所述方法的全部或部分步骤。而前述的存储介质包括：U盘、移动硬盘、只读存储器(ROM，Read-Only Memory)、随机存取存储器(RAM，Random Access Memory)、磁碟或者光盘等各种可以存储程序代码的介质。
以上所述仅为本发明的实施方式，并非因此限制本发明的专利范围，凡是利用本发明说明书及附图内容所作的等效结构或等效流程变换，或直接或间接运用在其他相关的技术领域，均同理包括在本发明的专利保护范围内。

Claims (15)

  1. 一种支付二维码管理方法，其特征在于，所述支付二维码管理方法包括：
    获取收款终端的二维码生成信息；
    调用网关的生码接口，以使所述网关基于所述二维码生成信息生成所述支付二维码；
    接收所述网关返回的所述支付二维码；
    生成所述支付二维码的下载链接。
  2. 根据权利要求1所述的支付二维码管理方法，其特征在于，
    所述获取收款终端的二维码生成信息的步骤，包括：
    获取二维码生成指令；
    基于所述二维码生成指令显示二维码生成界面；
    从所述二维码生成界面中获取二维码生成信息。
  3. 根据权利要求2所述的支付二维码管理方法，其特征在于，
    所述二维码生成指令包括单次二维码生成指令和批量二维码生成指令；
    所述基于所述二维码生成指令显示二维码生成界面步骤，包括：
    基于所述单次二维码生成指令显示单次二维码生成界面，其中，所述单次二维码生成界面包括账单号码输入框、金额输入框；
    基于所述批量二维码生成指令显示批量二维码生成界面，其中，所述批量二维码生成界面包括下载模板按钮和导入文件按钮。
  4. 根据权利要求3所述的支付二维码管理方法，其特征在于，
    所述从所述二维码生成界面中获取二维码生成信息的步骤，包括：
    从所述单次二维码生成界面识别所述账单号码输入框和金额输入框的第一输入信息；
    判断所述第一输入信息是否符合预设校验规则；
    若不符合，返回校验失败信息；
    若符合，基于所述第一输入信息生成所述二维码生成信息。
  5. 根据权利要求3所述的支付二维码管理方法，其特征在于，
    所述从所述二维码生成界面中获取二维码生成信息的步骤，包括：
    从所述批量二维码生成界面下载所述收款终端上传的二维码生成信息文件；
    从所述二维码生成信息文件获取第二输入信息；
    判断所述第二输入信息是否符合预设校验规则；
    若不符合，返回校验失败信息；
    若符合，由所述第二输入信息生成二维码生成信息。
  6. 根据权利要求5所述的支付二维码管理方法，其特征在于，
    所述从所述批量二维码生成界面下载所述收款终端上传的二维码生成信息文件的步骤之前，所述支付二维码管理方法包括：
    获取所述收款终端的下载模板指令，其中，所述下载模板指令由所述下载模型按钮触发；
    基于所述下载模板指令向所述收款终端发送二维码生成信息模板，以使所述收款终端根据所述二维码生成信息模板填写所述第二输入信息；
    接收所述收款终端返回的二维码生成信息文件。
  7. 根据权利要求2所述的支付二维码管理方法，其特征在于，
    所述获取收款终端的二维码生成指令的步骤之前，所述支付二维码管理方法包括：
    获取所述收款终端的登录信息，并判断所述收款终端的登录信息是否正确；
    若是，显示二维码管理界面，其中，所述二维码管理界面包括生成二维码按钮、批量生成二维码按钮以及生成二维码记录。
  8. 根据权利要求1所述的支付二维码管理方法，其特征在于，
    所述接收所述网关返回的所述支付二维码，并提供所述支付二维码的下载链接给所述收款终端的步骤之后，所述支付二维码管理方法包括：
    基于所述支付二维码获取用户的扫码信息，其中，所述扫码信息包括用户支付账号的账号标识；
    根据所述扫码信息进行支付交易处理。
  9. 根据权利要求8所述的支付二维码管理方法，其特征在于，
    所述根据所述扫码信息进行支付交易处理的步骤，包括：
    从所述扫码信息中获取发卡行信息、收单行信息，从而通知发卡行以及收单行以完成支付交易；
    发送支付交易结果给所述用户、所述收款终端以及所述网关。
  10. 一种支付系统，其特征在于，所述支付系统至少包括收款终端、支付平台以及网关，其中，所述收款终端和所述网关分别与所述支付平台建立通信连接；
    所述收款终端，用于发送二维码生成信息给所述支付平台；
    所述支付平台，用于通过所述网关的生码接口发送所述二维码生成信息给所述网关；
    所述网关，用于基于所述二维码生成信息生成所述支付二维码，并返回所述支付二维码给所述支付平台；
    所述支付平台，还用于提供所述支付二维码的下载链接给所述收款终端。
  11. 一种支付二维码管理设备，其特征在于，所述支付二维码管理设备包括获取模块、处理模块以及下载模块，其中，所述获取模块、所述下载模块分别与所述处理模块耦接；
    所述获取模块，用于获取收款终端的二维码生成信息；
    所述处理模块，用于调用网关的生码接口，以使所述网关基于所述二维码生成信息生成所述支付二维码；
    所述下载模块，用于接收所述网关返回的所述支付二维码，并提供所述支付二维码的下载链接给所述收款终端。
  12. 根据权利要求11所述的支付二维码管理设备，其特征在于，
    所述支付二维码管理设备还包括显示模块，所述显示模块与所述处理模块耦接；
    所述获取模块，用于获取收款终端的二维码生成指令；
    所述显示模块，用于基于所述二维码生成指令显示二维码生成界面；
    所述处理模块，用于从所述二维码生成界面中获取二维码生成信息。
  13. 根据权利要求12所述的支付二维码管理设备，其特征在于，
    所述支付二维码管理设备还包括交易模块，所述交易模块与所述处理模块耦接；
    所述获取模块，用于基于所述支付二维码获取用户的扫码信息，其中，所述扫码信息包括用户支付账号的账号标识；
    所述交易模块，用于根据所述扫码信息进行支付交易处理。
  14. 一种支付二维码管理设备，其特征在于，所述支付二维码管理设备包括存储器以及与所述存储器耦接的处理器；
    其中，所述存储器用于存储计算机程序，所述处理器用于执行所述计算机程序以实现如权利要求1～9中任一项所述的支付二维码管理方法。
  15. 一种计算机存储介质，其特征在于，所述计算机存储介质用于存储计算 机程序，所述计算机程序在被处理器执行时，用以实现如权利要求1～9中任一项所述的支付二维码管理方法。
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