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Code scanning payment method and merchant terminal

A technology of terminals and merchants, applied in the electronic field, can solve the problems that merchants cannot receive payment from customers smoothly, transaction speed is slow, and QR code imitation, etc., to achieve the effect of ensuring transaction security, speeding up transaction speed, and reducing hardware requirements

Active Publication Date: 2018-12-07
企银易(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

[0003] For micro and small merchants, if they use the QR code scanning mode to collect payment, the merchant usually puts a static QR code sticker on the counter, and the customer scans the code to pay. This method has the following two problems: First, The QR code has the possibility of being copied and fraudulent. For example, the merchant’s QR code is maliciously replaced by another QR code without the merchant’s knowledge, which makes the merchant unable to receive the customer’s payment smoothly.
Furthermore, scanning the code by the customer will lead to complicated operations on the client side, slow transaction speed, and error-prone
Third, due to the current domestic policy, the collection limit of the static QR code scanning mode is 500 yuan, that is to say, this collection method cannot support large-value transactions
However, this requires merchants to be equipped with payment terminals such as POS machines or cash registers
For micro and small merchants, the price of such equipment is relatively high, and manual operation by tellers is required

Method used

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  • Code scanning payment method and merchant terminal
  • Code scanning payment method and merchant terminal
  • Code scanning payment method and merchant terminal

Examples

Experimental program
Comparison scheme
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Embodiment 1

[0023] figure 1 It is a flow chart of the code scanning payment method provided in Embodiment 1 of the present invention, figure 2 The schematic diagram of the data flow of the scanning code payment method provided by Embodiment 1 of the present invention is now combined with figure 1 and figure 2 , a detailed description of a code scanning payment method provided in this embodiment will be given. This embodiment provides a code scanning payment method, which at least includes the following steps: figure 1 Steps S1-S3 are shown.

[0024] Step S1, the merchant terminal acquires order information.

[0025] In this step, the merchant terminal is a merchant terminal with an offline function. Specifically, when the network is not good or there is no network, the merchant terminal can complete the operation of scanning code payment in an offline mode. The order information obtained by the merchant terminal includes at least the transaction amount. As an optional implementati...

Embodiment 2

[0037] image 3 Schematic diagram of the structure of the merchant terminal provided by Embodiment 2 of the present invention, such as image 3 As shown, the present invention provides a merchant terminal 2, the merchant terminal 2 is a merchant terminal with an offline function, and the merchant terminal 2 includes an acquisition module 21, a processing module 22 and a playback module 23; the acquisition module 21 is used to obtain an order information, and obtain the payment code from the payment device, wherein the order information includes at least the transaction amount, and the payment code includes at least: user account information; the processing module 22 is used to modulate the payment information to obtain sound wave feedback information, wherein the payment information includes at least Including: user account information and order information; playing module 23, used to play sound wave feedback information.

[0038] In this embodiment, the merchant terminal 2 i...

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Abstract

The present invention provides a code scanning payment method. The method includes the following steps that: a merchant terminal acquires order information, wherein the merchant terminal is a merchantterminal having an offline function, and the order information contains at least a transaction amount; the merchant terminal obtains a payment code from a payment device, wherein the payment code contains at least user account information; and the merchant terminal modulates the payment information, obtains sound wave feedback information, and plays the sound wave feedback information, wherein the payment information at least contains the user account information and the order information. With the code scanning payment method provided by the technical schemes of the invention adopted, the sound wave communication function of the merchant terminal is additionally realized, and therefore, hardware requirements for the merchant terminal are greatly lowered with transaction security ensured,and the deployment cost of a merchant can be greatly reduced; and at the same time, the workload of tellers can be decreased, requirements for the tellers can be lowered, and transaction can be accelerated.

Description

technical field [0001] The invention relates to the field of electronic technology, in particular to a code scanning payment method and a merchant terminal. Background technique [0002] With the popularity of electronic payment, the payment method of scanning code payment has been widely used by people. At present, for small and micro merchants, the more common scanning payment methods are divided into two types: QR code scanning (that is, the customer scans the QR code of the merchant) and QR code scanning (that is, the merchant scans the QR code presented by the customer). way. [0003] For micro and small merchants, if they use the QR code scanning mode to collect payment, the merchant usually puts a static QR code sticker on the counter, and the customer scans the code to pay. This method has the following two problems: First, QR codes have the possibility of being imitated and fraudulent. For example, the merchant’s QR code is maliciously replaced by other QR codes w...

Claims

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Application Information

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IPC IPC(8): G06Q20/32
CPCG06Q20/3276
Inventor 李玉堂
Owner 企银易(北京)科技有限公司