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QR code payment method based on mobile phone business card, and system thereof

A payment system and two-dimensional code technology, applied in the field of two-dimensional code payment system based on mobile phone business cards, can solve problems such as complex implementation

Pending Publication Date: 2020-08-18
CHINA UNIONPAY
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

During the process, the security guarantee is provided by the client, which is responsible for user identification, data security storage and transmission, etc., and the implementation is relatively complicated.

Method used

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  • QR code payment method based on mobile phone business card, and system thereof
  • QR code payment method based on mobile phone business card, and system thereof
  • QR code payment method based on mobile phone business card, and system thereof

Examples

Experimental program
Comparison scheme
Effect test

no. 1 approach

[0159] First, the mobile phone business card-based two-dimensional code payment method and the mobile phone business card-based two-dimensional code payment system according to the first embodiment of the present invention will be described.

[0160] In the following descriptions, the description is based on the mobile phone business card, and the mobile phone is only an embodiment of the invention for the convenience of understanding, and the mobile phone can be replaced by any form of electronic terminal.

[0161] figure 1 It is a flow chart showing the two-dimensional code payment method based on the mobile phone business card according to the first embodiment of the present invention. figure 2 An example image showing the QR code of a mobile phone business card is shown in .

[0162] The two-dimensional code payment method based on the mobile phone business card in the first embodiment can be roughly divided into three stages: the card binding and activation stage, the t...

no. 3 approach

[0245] Next, the mobile phone business card-based two-dimensional code payment method and the mobile phone business card-based two-dimensional code payment system according to the third embodiment of the present invention will be described.

[0246] The difference between the mobile phone business card-based two-dimensional code payment method and the mobile phone business card-based two-dimensional code payment system of the third embodiment and the first embodiment is that the bank card information does not need to be tokenized, but the bank card information is directly used Follow up process.

[0247] Although, in the third embodiment, although tokenization technology is not used, the main process is also the same as figure 1 The process shown is the same, so here also refer to figure 1The mobile phone business card-based two-dimensional code payment method of the third embodiment will be described.

[0248] Similarly, the mobile phone business card-based two-dimensional ...

Deformed example 4

[0312] In the above embodiments, in the process of obtaining bank card information by the mobile phone business card system, the mobile phone business card system uses asymmetric encryption to request the payment system to obtain bank card information with the bank card feedback code and its own public key, and attach signature data . The payment system verifies the signature, uses the public key of the mobile phone business card system to encrypt the bank card information and the mobile phone number reserved by the bank, attaches its own public key, and returns the signature to the mobile phone business card system. In addition to this public key exchange method, the payment system and the mobile phone business card system can also be set in other pre-agreed forms.

[0313] The present invention also provides a computer-readable medium on which a computer program is stored, and when the computer program is executed by a processor, the above-mentioned two-dimensional code paym...

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PUM

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Abstract

The invention relates to a QR code payment method based on a mobile phone business card, and a system thereof. The QR code payment method is realized by a payment system and a mobile phone business card system, and comprises the following steps: a request receiving step, a mapping establishment step, a distribution step, an account acquisition step, and a binding step. Therefore, the binding of the bank card information and the user business card can be realized. According to the QR code payment method based on the mobile phone business card and the QR code payment system based on the mobile phone business card, compared with traditional QR code card binding opening, a user does not need to download a client or input bank card information in the card binding work, and the user operation time is greatly shortened, and the card binding threshold is reduced, and the use willingness is improved.

Description

technical field [0001] The invention relates to computer technology, in particular to a mobile phone business card-based two-dimensional code payment method and a mobile phone business card-based two-dimensional code payment system. Background technique [0002] Usually, when a mobile phone implements account QR code payment, it needs to download and install a mobile client that supports payment. Before payment, it is necessary to bind a card in the client to activate the QR code payment function, and the client needs to be opened when using it. The whole process requires a certain amount of operation and time. Specifically, the current mobile phone QR code scanning transaction technology generally includes three processes: client card activation, application for QR code and acceptance of QR code. [0003] 1. The process of activating card binding on the client side [0004] When using it for the first time, the user installs a mobile client that supports QR code transactio...

Claims

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Application Information

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IPC IPC(8): G06Q20/32G06Q20/38
CPCG06Q20/3229G06Q20/3274G06Q20/385
Inventor 王钰蒋海俭王瑞明
Owner CHINA UNIONPAY
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