Safe code scanning payment method

Abstract

The invention discloses a safe code scanning payment method. A merchant prints commodity information on corresponding positions of commodities in an intelligent code mode or uploads the commodity information to corresponding positions of a website of the merchant; after a customer enters the shop, commodity intelligent codes of purchased commodities are scanned; after the customer has chosen the commodities, a secret key carrier is inserted or a payment APP is used, and a payment intelligent code is generated and includes commodity prices and / or customer account information and / or the commodity information; the payment intelligent code is scanned by the merchant, and a part of content of the payment intelligent code is decrypted and analyzed and transmitted to an account manager; a bank or a third party payment platform completes money deduction and account entry procedures according to information of the payment intelligent code, meanwhile, transaction success information is fed back to the merchant, and verification information is given to the customer; a transaction is completed. According to the safe code scanning payment method, customers can select and purchase commodities by themselves and place orders to generate payment intelligent codes; information is encrypted in the whole process, and the payment process is safe and reliable; payment is convenient, simple and direct; both merchants and customers can complete transactions quickly.

Description

technical field [0001] The invention relates to a safe code-scanning payment method, which is suitable for shopping malls, hotels, tourism, catering or other fields where code-scanning payment can be used. Background technique [0002] With the continuous development of the economy, in terms of payment, the traditional face-to-face offline payment is gradually moving towards online payment with the help of the Internet. With the continuous advancement of science and technology, the IC industry has developed rapidly. IC chips are becoming more powerful, smaller in size, and cheaper in price. At the same time, communication technology is also developing rapidly, and the application of smart phones is very common, and the processing speed of smart phones is getting faster and faster, and the functions are getting more and more powerful. The wireless network coverage and the service traffic that can be supported are also gradually increasing. The development of these basic tec...

AI Technical Summary

Problems solved by technology

[0003] With the popularization of mobile payment methods, there has been a method of scanning QR codes for payment. This method has two risks: 1. Customers do not know the information of the QR code before scanning the QR code. If there is any information or behavior that is unfavorable to customers in the code, the customer does not know it in advance. For example, if there is a virus, the customer can only know it after scanning the code; 2. The information of the merchant or customer is easy to be obtained by others by scanning the code.

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