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Method for generating two-dimensional code and implementing mobile payment by mobile phone

A technology for generating two-dimensional codes and mobile phones. It is applied in the payment system, payment system structure, code identification card or credit card activation, etc. It can solve the problems of unsatisfactory use effect, achieve raw material saving, high safety, The effect of low implementation cost

Inactive Publication Date: 2012-12-26
上海易悠通信息科技有限公司
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  • Summary
  • Abstract
  • Description
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AI Technical Summary

Problems solved by technology

At present, the near-field payment of mobile phones basically adopts the wireless transmission method. This method requires the user's mobile phone to have a short-range wireless communication function (such as an NFC mobile phone, or replace the RF-SIM card, etc.), which requires the user to replace the mobile phone or replace the SIM card. card, and the use of SIMPass technology is not ideal

Method used

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  • Method for generating two-dimensional code and implementing mobile payment by mobile phone
  • Method for generating two-dimensional code and implementing mobile payment by mobile phone
  • Method for generating two-dimensional code and implementing mobile payment by mobile phone

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Embodiment approach

[0035] The following describes specific embodiments of the present invention in conjunction with the accompanying drawings, but it is not intended as a limitation of the present invention.

[0036] figure 1It is a schematic diagram of the system of the present invention. The invention consists of a payment two-dimensional code generation software management and verification server, a user mobile phone, a mobile phone two-dimensional code generation management software capable of generating payment two-dimensional codes, a two-dimensional code POS machine system, and a payment settlement server. These devices are connected to each other through wired or wireless, private network or public network. The mobile phone user automatically or manually downloads the payment QR code generation management software from the payment QR code generation software management and verification server according to the type, manufacturer, model, etc. of the mobile phone used, and installs it in t...

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Abstract

The invention relates to a method for generating a two-dimensional code and implementing mobile payment by a mobile phone. A user can input various payment card information (such as bank card account numbers, credit card account numbers, prepaid card account numbers, and third party payment user account numbers) into the mobile phone, the information is enciphered and stored, and then the two-dimensional code is generated and displayed on a screen of the mobile phone. A merchant scans a pattern of the two-dimensional code through a two-dimensional code identifying and reading device, and after user authentication information (such as two-dimensional code generation time, mobile phone fingerprints and mobile phone positions) and the payment card information are decoded, the user authentication information, the payment card information, consumption amount information of the user, merchant account number information and the like are enciphered and sent to a corresponding payment and settlement system. After receiving the information, a payment and settlement server confirms the payment card information to be true or false according to the two-dimensional code authentication information, and carries out payment transaction. The method has the main advantage that the user can save the information of various payment cards, consumption cards and the like in the mobile phone and realize no-card electronic payment transaction instead of the various payment cards.

Description

Technical field: [0001] The present invention relates to data processing, data encryption, data encoding, data display, data transmission, image recognition, data storage, and mobile phones and payment fields, especially belongs to the technology of generating two-dimensional codes based on mobile phones and the realization of mobile phones based on two-dimensional codes. payment technology. Background technique: [0002] A two-dimensional code is a barcode that uses a specific geometric figure distributed on a two-dimensional plane according to a certain rule to record data symbol information in black and white graphics. It has the characteristics of high capacity, high reliability, strong error correction ability, and high confidentiality. At present, it has been widely used in mobile phone electronic vouchers, check anti-counterfeiting, invoice anti-counterfeiting and so on. At present, the near-field payment of mobile phones basically adopts the wireless transmission me...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/32G06Q20/38G07F7/08
Inventor 赵辉袁方婴
Owner 上海易悠通信息科技有限公司
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