Online and offline payment system based on QR code

Abstract

The invention discloses an on-line off-line payment system based on a two-dimension code, and belongs to electronic commerce technology. The on-line off-line payment system comprises a payment card containing a certain payment amount and provided with one two-dimension code, a management server used for storing information related to the payment card and processing payment requests, an off-line payment device used for reading the two-dimension code and putting forward trading requests for the management server, and a mobile terminal provided with a two-dimension code application module. The two-dimension code application module identifies the two-dimension code of the payment code and enables the payment card to be bound with the mobile terminal, sets a payment code and manages the payment card, and the management server is connected with the off-line payment device and the mobile terminal through the internet. The on-line off-line payment system based on the two-dimension code has the advantages that the two-dimension code technology is adopted to replace the magnetic barcode technology, and the on-line off-line payment system is convenient and flexible to use, high in transparency, safer and more reliable.

Description

technical field [0001] The invention relates to consumer payment technology, in particular to a payment system that utilizes two-dimensional code technology and the Internet for online and offline payment. Background technique [0002] With the rapid development of e-commerce, more and more consumers like to consume online. In response to this business trend, more and more merchants are opening online stores on the Internet while opening physical stores. Merchants are promoting themselves. Sometimes, they often attract customers by selling their shop consumption cards to customers at low prices; in addition, more and more companies also issue benefits to employees in the form of issuing consumption cards instead of issuing physical goods in the past. However, most of the current consumer cards can only be used for physical store consumption, not online consumption, with single functions and poor security; secondly, most consumer cards are ferromagnetic information cards, and...

AI Technical Summary

Problems solved by technology

However, most of the current consumer cards can only be used for physical store consumption, not online consumption, with single functions and poor security; secondly, most consumer cards are ferromagnetic information cards, and improper storage will cause degaussing. After degaussing, it can no longer be used, which will cause certain economic losses; third, the balance and consumption records of such cards can only be queried on specific devices, lacking third-party supervision, and poor transparency

At present, most online consumption needs to use bank cards to transfer funds. For the sake of safety, a large amount of verification information needs to be entered, which is relatively troublesome to use.

Images