Two-dimensional code payment transaction processing platform

Abstract

The invention discloses a two-dimensional code payment transaction processing platform comprising a two-dimensional code integrated management system, a two-dimensional code merchant management systemand a two-dimensional code front system. The two-dimensional code integrated management system is provided with a communication interface in communication connection with a merchant terminal system and a first configuration module used for configuring the attributes of a two-dimensional code. The two-dimensional code merchant management system is provided with a second configuration module used for configuring the attributes of a two-dimensional code. The attributes of a two-dimensional code include payment and subject attributes. The two-dimensional code front system is used for displaying aconfigured two-dimensional code, triggering the jump of a corresponding payment interface when the displayed two-dimensional code is being scanned, displaying the corresponding payment interface, andprocessing a transaction according to the payment information input on the payment interface. Through the use of the platform, configuration association can be carried out on the attributes of two-dimensional codes, so that the risk control ability of payment transaction can be improved, the compatibility of the platform can be improved, cost can be reduced, and a sufficient data basis can be provided for the subsequent management and analysis of two-dimensional codes. The platform of the invention can be widely applied to the field of payment transaction.

Description

technical field [0001] The invention relates to a payment transaction information processing technology, in particular to a two-dimensional code payment transaction information processing platform. Background technique [0002] At present, there are many payment collection tools in the form of QR codes on the market, such as the one-code payment collection tool, the main body of which is the merchant. By generating a fixed QR code bound to the merchant, the merchant only needs to use the fixed Print it out and let consumers scan it to realize the collection of WeChat, Alipay, etc. This technology is simple to operate, but it also has many defects, for example: 1. The QR code generated by the current payment tool in the form of QR code lacks payment attributes, such as the limitation of the number of payments, the control of the payment range, the payment method, validity period, etc., resulting in low risk control capabilities for QR code payment transactions; 2. Currently,...

AI Technical Summary

Problems solved by technology

This technology is simple to operate, but it also has many defects, for example: 1. The QR code generated by the current payment tool in the form of QR code lacks payment attributes, such as the limitation of the number of payments, the control of the payment range, the payment method, validity period, etc., resulting in low risk control capabilities for QR code payment transactions; 2. Currently, the QR code generated by the QR code collection tool is only fixedly associated with a single subject. When the two-dimensional code is used in conjunction with other subjects, it is necessary to purchase / use other payment collection tools, which is very inconvenient and flexible, and also increases the cost of investment; 3. The current payment collection tool in the form of a two-dimensional code There is no unified external interface module, and it cannot communicate well with the merchant's business system in terms of QR code management and payment; 4. The current collection tool in the form of QR code is only a simple collection tool. The data collection is relatively deficient, and it cannot be interconnected with the merchant's order, logistics and other systems

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