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Mobile payment method and system based on two-dimension codes

A mobile payment and two-dimensional code technology, which is applied in the field of mobile payment methods and systems based on two-dimensional code, can solve the problems that affect the customer's visiting and consumption mood, crowded people, no two-dimensional code and mobile payment combined solution, etc. problems, to achieve the effect of transaction security guarantee, simple operation process and improved convenience

Inactive Publication Date: 2015-01-14
AEROSPACE INFORMATION
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

For example, in the catering business, people usually pay in the form of cash or credit card transactions, but in credit card consumption, only card consumption can be carried out. It is necessary to swipe the card first, then enter the payment password, print a receipt and other steps to complete the transaction. Completing the payment process is rather cumbersome. Sometimes due to the lack of wireless POS, customers need to go to the POS terminal at the front desk to complete the payment, which greatly affects the mood of customers to come and consume, and also causes the front desk to be always crowded. The phenomenon and the need for quick payment form a conflict
[0004] At present, there is no solution to combine QR code and mobile payment

Method used

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  • Mobile payment method and system based on two-dimension codes
  • Mobile payment method and system based on two-dimension codes
  • Mobile payment method and system based on two-dimension codes

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0045] In the embodiment of the present invention, the merchant server generates a two-dimensional code receipt according to the user's bill information and the merchant's bank account information, and the two-dimensional code processing service application in the user's mobile terminal scans and parses the two-dimensional code receipt, Get the user's billing information and the merchant's bank account information. Then, the mobile payment service application in the mobile terminal pays the amount corresponding to the bill information to the bank account of the merchant.

[0046] This embodiment provides a schematic diagram of the implementation principle of a mobile payment method based on a two-dimensional code, as shown in figure 1 As shown, the processing flow of this method is as follows figure 2 As shown, the following processing steps are included:

[0047] Step S210, generating a two-dimensional code receipt according to the bill information of the user and the bank...

Embodiment 2

[0068] This embodiment provides a mobile payment system 300 based on a two-dimensional code, and its structural diagram is as follows image 3 As shown, it may specifically include:

[0069] The merchant server 310 is configured to generate a two-dimensional code receipt according to the bill information of the user and the bank account information of the merchant, and print the paper two-dimensional code receipt obtained by printing the two-dimensional code receipt or the electronic version of the two-dimensional code receipt. The QR code receipt is provided to the user's mobile terminal;

[0070] The mobile terminal 320 is configured to scan and analyze the paper two-dimensional code receipt or analyze the electronic version of the two-dimensional code receipt through the two-dimensional code processing service application to obtain the user's bill information and The merchant's bank account information; after the user's billing information is confirmed, pay the amount corr...

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Abstract

The embodiment of the invention provides a mobile payment method and system based on two-dimension codes. The method mainly comprises the steps of generating a two-dimension code slip according to bill information of a user and bank account information of a merchant, printing the two-dimension code slip to obtain a paper two-dimension code slip or providing the two-dimension code slip of an electronic edition to a mobile terminal of the user, utilizing a two-dimension code processing service application in the mobile terminal to scan and analyze the paper two-dimension code slip or analyze the two-dimension code slip of the electronic edition to obtain the bill information of the user and the bank account information of the merchant, and utilizing a mobile payment service application in the mobile terminal to pay money corresponding to the bill information to a band account of the merchant after the bill information of the user is confirmed. The mobile payment method and system based on the two-dimension codes enables the two-dimension code technology and the mobile payment technology to be combined and has the characteristics of short time and short reach, and therefore transaction security of the whole system is guaranteed. The user operation process is simple, and convenience of mobile payment is improved.

Description

technical field [0001] The invention relates to the technical field of mobile payment, in particular to a mobile payment method and system based on a two-dimensional code. Background technique [0002] In recent years, two-dimensional code technology has been widely used in logistics, ticketing, document storage, electronic vouchers and many other fields. However, all the two-dimensional code standards do not specifically consider the application integration of security data, and the existing two-dimensional code applications are to generate two-dimensional codes according to the standard format and apply them. [0003] With the gradual maturity of mobile payment technology, mobile payment has been applied in many aspects in people's daily life. For example, in the catering business, people usually pay in the form of cash or credit card transactions, but in credit card consumption, only card consumption can be carried out. It is necessary to swipe the card first, then enter...

Claims

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Application Information

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IPC IPC(8): G06Q20/36
CPCG06Q20/3255G06Q20/363G06Q2220/00
Inventor 王国文罗世新何丽尹刚袁松龙
Owner AEROSPACE INFORMATION
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