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Mobile banking payment system based on automatic generation of two-dimension code

A mobile banking, automatic generation technology, applied in the payment system, payment system structure, payment involving neutral parties, etc., can solve the problems that cannot solve the security and limitations of payment software, and achieve simplified payment process, strong standardization, The effect of accurate transaction information

Active Publication Date: 2015-01-07
哆啦宝(北京)科技有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

Although the payment system and method solve the problem of the accuracy of the two-dimensional code generated by the merchant's manual input, they cannot solve the security and limitations of the payment software.

Method used

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  • Mobile banking payment system based on automatic generation of two-dimension code
  • Mobile banking payment system based on automatic generation of two-dimension code
  • Mobile banking payment system based on automatic generation of two-dimension code

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0029] as attached figure 1 , 3 As shown in 4 and 4, 1 is the bank mobile client of the mobile bank payment system based on the two-dimensional code automatically generated according to the present invention 1, 2 is the three-party payment server, 3 is the bank server, 4 is the PC print capture client, and 41 is the encryption Network terminal, 411 is a PC-side program module, and 412 is a control and encryption chip.

[0030] as attached figure 1 , 3 , 4, the mobile banking payment system automatically generated based on the two-dimensional code of the present invention includes a bank mobile phone client 1, a three-party payment server 2, a bank server 3 and a PC print capture client 4; the PC print capture client 4 includes The encrypted network terminal 41; the encrypted network terminal 41 includes a PC-side program module 411 and a control and encryption chip 412; the control and encryption chip 412 stores the merchant key, which is used to provide the PC-side program...

Embodiment 2

[0037] as attached figure 2 , 3As shown in 4 and 4, 1 is the bank mobile phone client of the mobile banking payment system based on the two-dimensional code automatically generated according to the present invention 1, 2 is the three-party payment server, 3 is the bank server, 4 is the PC print capture client, and 41 is the encryption Network terminal, 411 is a PC-side program module, and 412 is a control and encryption chip.

[0038] as attached figure 2 , 3 , 4, when the bank identification can be judged through the http header link string, when the bank mobile client 1 verifies the scanned two-dimensional code graphic data, it directly requests the link string, and the bank server 3 identifies the bank identification, The verification is completed; the rest are the same as in Example 1.

[0039] The mobile banking payment system based on the automatic generation of the two-dimensional code of the present invention can directly obtain the small ticket information and a...

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Abstract

The invention provides a mobile banking payment system based on automatic generation of a two-dimension code. The mobile banking payment system comprises a mobile banking client, a third-party payment server, a bank server and a PC printing capture client. The PC printing capture client is used for capturing and analyzing transaction information on a printed receipt and then generating the two-dimension code, and the two-dimension code is encrypted, encoded and converted into graphic data. The mobile banking client is used for scanning the graphic data, verifying the validity and integrity of a source of the graphic data and establishing communication with the third-party payment server if verification is successful. The third-party payment server is used for processing the graphic data, creating a third-party payment order and returning the third-party payment order back to the mobile banking client. The bank server is used for creating a bank payment order according to the returned third-party payment order and completing verification of a consumption account and payment when a consumer continues to pay. According to the mobile banking payment system based on automatic generation of the two-dimension code, the two-dimension code can be generated automatically, and the transaction information is accurate; payment software is good in safety and small in limitation.

Description

technical field [0001] The invention relates to a mobile bank payment system, in particular to a mobile bank payment system automatically generated based on a two-dimensional code. Background technique [0002] With the development of smart phones, the Internet has ushered in a new wave, the mobile Internet has begun to rise, and smart phones have also become an indispensable tool for the public to surf the Internet. More and more people have become accustomed to using mobile phones for shopping, office work, mobile games and mobile payments. The development of finance is inseparable from the support of science and technology, and traditional payment methods, like paperless, are slowly developing like cardless. The development of various sensors has promoted the vigorous development of the mobile phone industry. The camera has become the standard configuration of smart phones. The mobile phone camera has also developed from a single camera function to the current automatic ...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/02G06Q20/32G06Q20/40G06Q40/02G06K7/10
CPCG06Q20/023G06Q20/12G06Q20/3223G06Q20/3276G06Q20/401
Inventor 尹俊岭储天舒吕倩赵磊董永健
Owner 哆啦宝(北京)科技有限公司
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