Payment method and payment system based on dynamic two-dimensional code

A technology of dynamic two-dimensional code and payment system, which is applied in the field of two-dimensional code payment method and payment system based on dynamic two-dimensional code, and can solve the problems of static two-dimensional code theft and low payment security

Active Publication Date: 2016-05-18
CHINA UNIONPAY
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

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Problems solved by technology

[0012] In Patent Document 1, the payment is realized based on the static two-dimensiona

Method used

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  • Payment method and payment system based on dynamic two-dimensional code
  • Payment method and payment system based on dynamic two-dimensional code
  • Payment method and payment system based on dynamic two-dimensional code

Examples

Experimental program
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Example

[0131] First embodiment

[0132] figure 1 It is a schematic flow chart showing a payment method based on a QR code according to the first embodiment of the present invention.

[0133] Such as figure 1 As shown, the QR code-based payment method of the first embodiment of the present invention mainly includes the following processes:

[0134] (1) The merchant's cashier counter scans the product to generate transaction information: a QR code containing transaction amount, merchant code, transaction time and other information;

[0135] (2) The cardholder enters the security information on the mobile terminal (actually an application installed on the mobile terminal), opens the application, and selects the payment card used for payment;

[0136] (3) The cardholder uses the mobile terminal to scan the QR code containing transaction information generated by the merchant;

[0137] (4) The mobile terminal recognizes the QR code, and generates a dynamic QR code for payment based on the transactio...

Example

[0140] Second embodiment

[0141] In the first embodiment, the merchant side generates a static two-dimensional code containing information such as the transaction amount, and in the second embodiment, the cardholder directly inputs the transaction amount on the mobile terminal side.

[0142] figure 2 It is a schematic flow chart showing a payment method based on a QR code in the second embodiment of the present invention.

[0143] Such as figure 2 As shown, the payment method based on the QR code in the second embodiment of the present invention mainly includes the following processes:

[0144] (1) The merchant's cash register scans the goods to generate transaction information;

[0145] (2) After the cardholder has been authenticated on the mobile terminal, he opens the application installed on the mobile terminal and selects the payment card used for payment;

[0146] (3) The cardholder uses the mobile terminal to enter the payment amount;

[0147] (4) The mobile terminal applicatio...

Example

[0175] The third embodiment

[0176] The third embodiment adds fingerprint recognition technology to the first or second embodiment.

[0177] Figure 5 It shows the specific flow chart of the mobile terminal side in the payment method based on the QR code in the third embodiment of the present invention.

[0178] Such as Figure 5 As shown, the specific process on the mobile terminal side in the QR code-based payment method of the third embodiment of the present invention is as follows:

[0179] 1. The cardholder opens the application of the mobile terminal, and the application calls the fingerprint reader to read the user's fingerprint.

[0180] 2. The application verifies the read fingerprint. If the verification fails, an error will be displayed.

[0181] 3. The application checks whether the system encryption key needs to be updated. If the key expires, the key is updated.

[0182] 4. The cardholder selects the payment card used for payment. The payment card information is verified...

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Abstract

The invention relates to a payment method and payment system based on a dynamic two-dimensional code. The payment method based on the dynamic two-dimensional code comprises the following steps: a trade information generation step, i.e., a merchant client generating a static two-dimensional code including trade information; a trade information obtaining step, i.e., a cardholder selecting a payment card for payment from an application of a mobile terminal and scanning the static two-dimensional code so as to obtain the trade information; a dynamic two-dimensional code generation step, i.e., the application of the mobile terminal identifying the static two-dimensional code and generating the dynamic two-dimensional code based on the static two-dimensional code and card information of the payment card; and a dynamic two-dimensional code obtaining step, i.e., the merchant terminal scanning the dynamic two-dimensional code and uploading the dynamic two-dimensional code to a background system so as to request for payment authorization from a payment mechanism. The payment method and payment system based on the dynamic two-dimensional code, provided by the invention, can further ensure the payment security.

Description

technical field [0001] The invention relates to the field of computer application technology, in particular to a two-dimensional code payment method and payment system based on a dynamic two-dimensional code. Background technique [0002] Two-dimensional code, also known as two-dimensional barcode, is a black and white pattern distributed on a plane (two-dimensional direction) with specific geometric figures according to certain rules, and is a key to all information data. In modern commercial activities, a wide range of applications can be realized, such as product anti-counterfeiting / traceability, advertisement push, website link, data download, commodity transaction, payment, etc. [0003] For example, a payment method based on a two-dimensional code is disclosed in Patent Document 1 (CN103646327A). The method comprises the steps of: [0004] Obtain the card information of the payment card with payment function; [0005] The user transmits the payment card information ...

Claims

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Application Information

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IPC IPC(8): G06Q20/32G06Q20/40
Inventor 王鹏鹏尹祥龙张逊
Owner CHINA UNIONPAY
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