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Method for realizing fixed amount aggregation two-dimensional code collection mechanism

A two-dimensional code and amount technology, which is applied to cash registers, computer parts, and collaborative devices, etc., can solve the problems of not supporting fixed amounts, difficult to support payment codes, and non-aggregation of payment two-dimensional codes. To achieve the effect of flexible control of collection amount, efficient collection of cash, and high-quality cashier experience

Pending Publication Date: 2021-08-27
银盛支付服务股份有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0002] At present, in the merchant payment process, it is impossible to meet the collection requirements for specific business scenarios, such as: canteens, schools, scenic spots, rent, deposit payments, etc., when there are fixed-amount collection requirements, the existing aggregated QR code collection does not support Fixed amount, the amount needs to be input by the user, there are transaction security risks such as less cash receipts;
[0003] Moreover, Alipay, WeChat Pay and other account institutions provide collection codes that support setting the collection amount on the App, but the collection QR codes are not aggregated. The use brings difficulties and poor experience;
[0004] In addition, Alipay, WeChat Pay and other account institutions provide a low daily limit for receiving codes. For example, when schools start to collect tuition fees, the transaction volume on the day is very large, and the existing payment codes provided by Alipay and WeChat Pay are difficult to support. Difficulty in receiving payments frequently

Method used

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  • Method for realizing fixed amount aggregation two-dimensional code collection mechanism

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0034] If it is a fixed amount payment code, display the amount interface and create a prepayment order, link the payment system to UnionPay, and access the UnionPay URL.

[0035] After the payment system is associated with UnionPay, UnionPay will obtain user authorization from the user payment system. After the user confirms the authorization through the user payment system, UnionPay will return an authorization code to the payment system.

[0036] After receiving the authorization code, the payment system sends an order to UnionPay to obtain the user ID and receives a reply, and then sends an order API command to UnionPay again. After receiving the order API command, UnionPay activates the payment password control and displays it to the user through the user payment system.

[0037] After UnionPay receives the successful payment information, it returns the transaction result to the payment system, and the payment system returns the transaction result to the merchant system. ...

Embodiment 2

[0040] If it is a fixed-amount payment code, display the amount interface and create a pre-payment order. The user scans the code to initiate payment through the user payment system. The payment system recognizes WeChat and calls the openid interface of WeChat to obtain the openid corresponding to the appid.

[0041] WeChat initiates user authorization to the user payment system, and after returning the authorization result, WeChat returns openid to the payment system, the payment system obtains the user ID, calls the UnionPay or Nets Union WeChat order API, and after calling the WeChat order API, WeChat generates a prepaid order and returns Order information to UnionPay or NetPay.

[0042]The payment system pulls the prepaid order information from UnionPay or NetsUnion, automatically generates and signs JSAPI call payment parameters, invokes the payment password control and displays it in the user payment system.

[0043] After the user confirms the payment through the user p...

Embodiment 3

[0046] If it is a fixed-amount payment code, display the amount interface and create a pre-payment order. The user scans the code to initiate payment through the user payment system. The payment system recognizes Alipay, calls the Alipay order API, and Alipay generates a pre-payment order and returns the order information to UnionPay. Or the Internet.

[0047] The payment system pulls the prepaid order information from UnionPay or NetsUnion, automatically generates and signs JSAPI call payment parameters, invokes the payment password control and displays it in the user payment system.

[0048] After the user confirms the payment through the user payment system, enter the payment password, Alipay verifies the payment password, and returns the transaction result to UnionPay or NetsUnion, and the payment system pulls the transaction result from UnionPay or Nets Union, and returns the transaction result to the merchant system.

[0049] In the above-mentioned embodiment, the presen...

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PUM

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Abstract

The invention discloses a method for realizing a fixed amount aggregation two-dimensional code collection mechanism, and belongs to the technical field of payment. The method comprises the following steps: a merchant operates on a merchant system and applies for a fixed amount aggregation two-dimensional code plate for a payment system, and the payment system generates a code plate meeting the requirement according to the demand of a merchant business scene, and returns the code plate to the merchant system; and the merchant system displays the code plate to the user payment system, the user opens the user payment system to scan the code, the payment system judges the type of the code after successful code scanning, and if the code is a fixed-amount collection code, the payment system displays an amount interface and creates a pre-payment order, and the pre-payment order is displayed to the merchant through the user payment system for code scanning payment. Fixed-amount collection can be realized without merchant development, and merchant collection business scenes are enriched; and original operation and code plate application business processes are not changed in business operation, the learning cost of the merchant is further reduced, and the merchant and user experience is good.

Description

technical field [0001] The invention relates to the technical field of payment, in particular to a method for realizing a fixed-amount aggregation two-dimensional code collection mechanism. Background technique [0002] At present, in the process of merchant payment, it is impossible to meet the collection requirements for specific business scenarios, such as: canteens, schools, scenic spots, rent, deposit payment, etc., when there are fixed-amount collection requirements, the existing aggregated QR code collection does not support Fixed amount, the amount needs to be input by the user, and there are transaction security risks such as less cash receipts; [0003] Moreover, Alipay, WeChat Pay and other account institutions provide collection codes that support setting the collection amount on the App, but the collection QR codes are not aggregated. The use brings difficulties and poor experience; [0004] In addition, Alipay, WeChat Pay and other account institutions provid...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/40G06K17/00G06Q20/20G06Q20/42G07G1/14
CPCG06Q20/401G06Q20/42G06K17/0025G06Q20/206G07G1/14
Inventor 吴倩黄丹莹陈福萍
Owner 银盛支付服务股份有限公司