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Method and system for scanning code payment

A code scanning payment and payment code technology, applied in the electronic field, can solve the problems that merchants cannot receive payment from customers smoothly, QR code imitation, slow transaction speed, etc., to ensure transaction security, reduce hardware requirements, and speed up transaction speed Effect

Active Publication Date: 2021-12-07
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 three problems: First, QR codes have the possibility of being copied and fraudulent. For example, the merchant’s QR code is maliciously replaced by other QR codes without the merchant’s knowledge, resulting in the merchant’s failure to receive payment from customers
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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  • Method and system for scanning code payment
  • Method and system for scanning code payment
  • Method and system for scanning code payment

Examples

Experimental program
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Embodiment 1

[0032] 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 , to describe in detail a code scanning payment method provided in this embodiment. This embodiment provides a code scanning payment method, which at least includes the following steps: figure 1 Steps S1-S9 are shown.

[0033] Step S1, the merchant terminal obtains the public-private key pair certificate;

[0034] 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 merchant terminal is a secure electronic device that needs to be loaded with a public-private key pair certificate befo...

Embodiment 2

[0064] image 3 A schematic structural diagram of the code scanning payment system provided by Embodiment 2 of the present invention, as shown in image 3 As shown, this embodiment provides a code scanning payment system, which includes a merchant terminal 1, a payment institution 2 and a payment device 3, wherein:

[0065] The merchant terminal 1 is used to obtain the public-private key pair certificate. Payment institution 2 is used to obtain the public key information of the public-private key pair certificate. The payment device 3 is used to generate a payment code, and the payment code includes: user identification information. The merchant terminal 1 is also used to obtain the payment code from the payment device 3, and use the public and private keys to perform signature calculations on the transaction elements with the private key of the certificate to generate payment information. The transaction elements include at least: merchant information, transaction amount an...

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Abstract

One aspect of the present invention provides a code scanning payment method, including: the merchant terminal obtains the public-private key pair certificate, the payment institution obtains the public key information of the public-private key pair certificate; the payment device generates a payment code; the merchant terminal obtains the payment code from the payment device; The terminal uses the public and private keys to perform signature calculation on the private key of the certificate to generate payment information; the merchant terminal modulates the payment information to obtain the acoustic feedback information, and plays the acoustic feedback information; the payment device receives the acoustic feedback information and demodulates the acoustic feedback information , obtain the payment information, and send the payment information to the payment institution; the payment institution receives the payment information, uses the public key to verify the signature value in the payment information, and after the verification is passed, conducts the deduction operation according to the transaction elements in the payment information .

Description

technical field [0001] The present invention relates to the field of electronic technology, in particular to a code scanning payment method and system. 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. There are three problems in this method: 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 without t...

Claims

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Application Information

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Patent Type & Authority Patents(China)
IPC IPC(8): G06Q20/38G06Q20/32
CPCG06Q20/327G06Q20/3272G06Q20/3274G06Q20/38215G06Q20/3825
Inventor 李玉堂
Owner 企银易(北京)科技有限公司