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A Mobile Banking Payment System Based on Automatic Generation of QR Codes

A mobile banking and payment system technology, applied in payment systems, payment architectures, payments involving neutral parties, etc., can solve problems such as the security and limitations of payment software, and achieve simplified payment process, accurate transaction information, limited effect

Active Publication Date: 2017-11-14
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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  • A Mobile Banking Payment System Based on Automatic Generation of QR Codes
  • A Mobile Banking Payment System Based on Automatic Generation of QR Codes
  • A Mobile Banking Payment System Based on Automatic Generation of QR Codes

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

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

[0030] as attached figure 1 , 3 , 4, the mobile bank payment system automatically generated based on two-dimensional codes 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 Encrypted network terminal 41; Encrypted network terminal 41 includes PC-side program module 411 and control and encryption chip 412; Control and encryption chip 412 stores merchant secret key, in order to provide to PC-side program module 411 when establishing communication; PC-s...

Embodiment 2

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

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

[0039] The mobile bank payment system based on the automatic generation of the two-dimensional code of the present invention can directly obtain the small ticket information and automatically generate the two-dimensional code, the transac...

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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 ushered in a new wave, the mobile Internet began to rise, and smart phones have become an indispensable tool for the public to surf the Internet. More and more people are getting used to using mobile phones for shopping, office work, mobile games and mobile payment. The development of finance is inseparable from the support of science and technology. The traditional payment method is also like paperless, and it is gradually 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 sensi...

Claims

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Application Information

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Patent Type & Authority Patents(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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