A code scanning payment settlement system and method

Abstract

The application discloses a code scanning payment settlement system and method, which comprises a mobile payment terminal, a seller payment terminal and a server; the seller payment terminal comprises a second positioning module, the mobile payment terminal comprises a first positioning module and a transaction record module, and the server comprises a pre-database and a pre-processor. In the application, whether the real-time position of the mobile payment terminal of a buyer is within the first preset threshold from the transaction position is judged by the pre-processor, and then it is judged whether the alert mode or the security mode is enabled. In the alert mode, the security of the transaction is protected by encrypting the payment code to protect the seller payment terminal of the first transaction with strangers. In the security mode, the transaction is completed as soon as possible in the vicinity of the seller payment terminal of the completed transaction, and the situation that the payment code is stolen and brushed is avoided, so that the payment security of the buyer is improved.

Description

Technical Field

[0001] This invention relates to the field of payment, and in particular to a QR code payment settlement system and method for real-time encryption of payment codes, eliminating the need for inputting payment passwords, and effectively improving account security. Background Technology

[0002] Passive payment via QR code scanning allows for payment collection using a barcode scanner. Compared to active payment, it is more convenient and faster because it doesn't require entering specific amounts or passwords. However, this also makes payment codes a target for criminals. Although payment codes are one-time use and updated periodically, they can still be captured by hidden cameras by criminals. Furthermore, payment passwords are frequently entered, and many consumers use the same password for all their payment accounts. If stolen, it can cause incalculable losses and risks to both consumers and sellers.

[0003] Therefore, there is an urgent need for a QR code payment settlement system and method that encrypts payment codes in real time, eliminates the need for payment passwords, and effectively improves account security. Summary of the Invention

[0004] The technical problem to be solved by the present invention is to provide a QR code payment settlement system and method that encrypts payment codes in real time, eliminates the need to enter payment passwords, and effectively improves account security.

[0005] This invention provides a QR code payment and settlement system, comprising:

[0006] This includes mobile payment terminals, seller payment terminals, and servers;

[0007] The seller payment terminal includes

[0008] The second positioning module is used to determine the transaction location of the seller's payment terminal;

[0009] The mobile payment terminal includes

[0010] The first positioning module is used to record the real-time location of the mobile payment terminal;

[0011] A transaction record module is used to record the transaction records of the mobile payment terminal and the transaction locations corresponding to the transaction records;

[0012] The server includes

[0013] A pre-database is used to store transaction records of mobile payment terminals and the transaction locations corresponding to those records;

[0014] A preprocessor is used to identify the risk level of a mobile payment terminal. The preprocessor is used to determine whether the distance between the real-time location of the mobile payment terminal and one of the transaction locations of previous transaction records is less than or equal to a first preset threshold. If not, the mobile payment terminal is activated in an alert mode. If so, the mobile terminal is activated in a security mode.

[0015] In the secure mode, the mobile payment terminal uses a complete and correct payment code during payment; in the alert mode, the complete and correct payment code is encrypted using a first method.

[0016] This invention provides a QR code payment settlement system, wherein the first method is as follows;

[0017] The mobile payment terminal is used to receive payment information, and the mobile payment terminal also includes an image display module, an image operation module, and a first wireless communication module;

[0018] The first wireless communication module is used to wirelessly connect with the second wireless communication module;

[0019] The image display module is used to display the first image;

[0020] The image operation module is used to divide the complete and correct payment code into a first number of horizontal and vertical grids on an equal basis when the payment information is received, and to label them. The module then uses a first encryption method to generate a first image and a corresponding real-time transaction password from the complete and correct payment code, and outputs the first image and the corresponding real-time transaction password to the image display module.

[0021] The seller payment terminal is used to assist sellers in receiving payments. The seller payment terminal also includes an image acquisition device, a seller operation module, a second wireless communication module, a password database, and a password input module.

[0022] The second wireless communication module is used to wirelessly connect with the first wireless communication module;

[0023] The image acquisition device is used to acquire the first image displayed by the image display module;

[0024] The password database is used to store the first transaction password corresponding to the real-time transaction password, and the image operation steps corresponding to the first transaction password;

[0025] The password input module is used to obtain the real-time transaction password entered by the buyer or seller;

[0026] The seller operation module is used to display the first image and convert the obtained real-time transaction password into a first transaction password. After the seller operation module completes the image operation steps of the first image according to the image operation steps corresponding to the first transaction password, it generates a second image, recognizes the second image, and outputs the transaction record based on the recognized second image.

[0027] The present invention provides a QR code payment settlement system, wherein the first wireless communication module and the second wireless communication module are connected wirelessly via Bluetooth.

[0028] The present invention provides a QR code payment settlement system, wherein the first wireless communication module and the second wireless communication module are connected via WIFI wireless connection.

[0029] The present invention provides a QR code payment settlement system, wherein the first wireless communication module and the second wireless communication module are wirelessly connected via a SIM card.

[0030] The present invention provides a QR code payment and settlement system, wherein the image display module is a high-definition display screen.

[0031] The present invention provides a QR code payment settlement system, wherein the image acquisition module is a high-definition camera.

[0032] The present invention provides a QR code payment settlement system, wherein the mobile payment terminal is a smartphone.

[0033] The present invention provides a QR code payment settlement system, wherein the mobile payment terminal is a smart tablet computer.

[0034] A QR code payment settlement system and method

[0035] Record the transaction location of the seller's payment terminal;

[0036] Record the real-time location of the mobile payment terminal;

[0037] Record the transaction records of the mobile payment terminal and the transaction locations corresponding to the transaction records;

[0038] Store the transaction records of the mobile payment terminal and the transaction locations corresponding to the transaction records;

[0039] Identify the risk level of mobile payment terminals;

[0040] Determine whether the distance between the real-time location of the mobile payment terminal and one of the transaction locations in the previous transaction records is less than or equal to a first preset threshold. If not, activate the alert mode of the mobile payment terminal; if so, activate the security mode of the mobile terminal.

[0041] In the secure mode, a complete and correct payment code is used during payment; in the vigilant mode, the first method is used to encrypt the complete and correct payment code.

[0042] The QR code payment settlement system and method of this invention differ from existing technologies in that, in this invention, the real-time location of the buyer's mobile payment terminal is determined by the preprocessor to determine whether the distance to the transaction location is within the first preset threshold, thereby determining whether to activate an alert mode or a security mode. In the alert mode, the payment code is encrypted to protect the security of transactions from unfamiliar seller payment terminals that are making their first transaction. In the vicinity of a seller payment terminal where a transaction has been completed, a security mode is activated to complete the transaction as quickly as possible, preventing situations such as payment code theft and improving the buyer's payment security.

[0043] The following description, in conjunction with the accompanying drawings, further illustrates a QR code payment and settlement system and method according to the present invention. Attached Figure Description

[0044] Figure 1 This is a schematic diagram illustrating the grid-based state of a correct and complete payment code in a QR code payment settlement system and method during the initial setup.

[0045] Figure 2 It is the first image corresponding to the initial level in a QR code payment settlement system and method;

[0046] Figure 3 This is a schematic diagram illustrating the grid-like state of a correct and complete payment code in a QR code payment settlement system and method at level one risk.

[0047] Figure 4 It is the first image corresponding to Level 1 risk in a QR code payment settlement system and method;

[0048] Figure 5 This is a schematic diagram illustrating the grid-like state of a correct and complete payment code in a QR code payment settlement system and method at level three risk.

[0049] Figure 6 It is the first image corresponding to level three risk in a QR code payment settlement system and method. Detailed Implementation

[0050] like Figures 1-6 As shown, see Figure 1 , 2 ,

[0051] As a further explanation of the present invention, it includes a mobile payment terminal, a seller payment terminal, and a server;

[0052] The seller payment terminal includes

[0053] The second positioning module is used to determine the transaction location of the seller's payment terminal;

[0054] The mobile payment terminal includes

[0055] The first positioning module is used to record the real-time location of the mobile payment terminal;

[0056] A transaction record module is used to record the transaction records of the mobile payment terminal and the transaction locations corresponding to the transaction records;

[0057] The server includes

[0058] A pre-database is used to store transaction records of mobile payment terminals and the transaction locations corresponding to those records;

[0059] A preprocessor is used to identify the risk level of a mobile payment terminal. The preprocessor is used to determine whether the distance between the real-time location of the mobile payment terminal and one of the transaction locations of previous transaction records is less than or equal to a first preset threshold. If not, the mobile payment terminal is activated in an alert mode. If so, the mobile terminal is activated in a security mode.

[0060] In the secure mode, the mobile payment terminal uses a complete and correct payment code during payment; in the alert mode, the complete and correct payment code is encrypted using a first method.

[0061] The first preset threshold is 0 to 30 meters, preferably 15 meters.

[0062] The present invention sets the first preset threshold to 0-30 meters, preferably 15 meters, thereby achieving protection for unfamiliar merchants within a reasonable location range for buyers.

[0063] In this invention, the real-time location of the buyer's mobile payment terminal is determined by the preprocessor to determine whether the distance to the transaction location is within the first preset threshold, and then to determine whether to activate the alert mode or the security mode. In the alert mode, the payment code is encrypted to protect the security of the transaction by protecting the unfamiliar seller's payment terminal that is the first time making a transaction. In the vicinity of the seller's payment terminal where a transaction has been completed, the security mode is activated to complete the transaction as soon as possible to avoid situations such as payment code theft, thereby improving the buyer's payment security.

[0064] For example, a buyer carrying the mobile payment terminal is shopping and enters a newly opened supermarket. After selecting items, they proceed to the checkout counter. Because neither the buyer's mobile payment terminal's real-time location nor the transaction location in the pre-database meets the condition of being less than the first preset threshold, the preprocessor puts the mobile payment terminal into alert mode during checkout. After the transaction is completed, the transaction location of the receiving terminal is stored in the pre-database. The next day, the buyer finds the goods to be of good quality and cost-effective, so they return to the supermarket. After selecting items and proceeding to the checkout counter, because the mobile payment terminal's real-time location and the transaction location in the pre-database are less than the first preset threshold, the preprocessor puts the mobile payment terminal into safe mode during checkout.

[0065] As a further explanation of the present invention, the first method is as follows;

[0066] The mobile payment terminal is used to receive payment information, and the mobile payment terminal also includes an image display module, an image operation module, and a first wireless communication module;

[0067] The first wireless communication module is used to wirelessly connect with the second wireless communication module;

[0068] The image display module is used to display the first image;

[0069] The image operation module is used to divide the complete and correct payment code into a first number of horizontal and vertical grids on an equal basis when the payment information is received, and to label them. The module then uses a first encryption method to generate a first image and a corresponding real-time transaction password from the complete and correct payment code, and outputs the first image and the corresponding real-time transaction password to the image display module.

[0070] The first quantity is at least 3, preferably 3, that is, the complete and correct payment code is divided into a total of 9 grids.

[0071] The present invention sets the first quantity to at least 3, preferably 3, that is, the complete and correct payment code is divided into a total of 9 grids, thereby ensuring security while maximizing convenience.

[0072] The phrase "outputting the first image and the corresponding real-time transaction password to the image display module" means that the first image is displayed first, and the real-time transaction password is displayed after the seller has finished collecting the first image.

[0073] This invention prevents the real-time transaction password from being captured or collected by criminals by first displaying the first image and then displaying it after the seller has finished collecting the first image.

[0074] Of course, the first image and the corresponding real-time transaction password can also be displayed simultaneously.

[0075] The seller payment terminal is used to assist sellers in receiving payments. The seller payment terminal also includes an image acquisition device, a seller operation module, a second wireless communication module, a password database, and a password input module.

[0076] The second wireless communication module is used to wirelessly connect with the first wireless communication module;

[0077] The image acquisition device is used to acquire the first image displayed by the image display module;

[0078] The password database is used to store the first transaction password corresponding to the real-time transaction password, and the image operation steps corresponding to the first transaction password;

[0079] The real-time transaction password stored in the password database and the first transaction password corresponding to the real-time transaction password can be the same.

[0080] This invention prevents the real-time transaction password from being directly displayed to anyone other than the buyer and seller by setting the real-time transaction password stored in the password database to be the same as the first transaction password corresponding to the real-time transaction password.

[0081] The password input module is used to obtain the real-time transaction password entered by the buyer or seller;

[0082] The seller operation module is used to display the first image and convert the obtained real-time transaction password into a first transaction password. After the seller operation module completes the image operation steps of the first image according to the image operation steps corresponding to the first transaction password, it generates a second image, recognizes the second image, and outputs the transaction record based on the recognized second image.

[0083] The transaction record may be a transfer signal or a no-transfer signal.

[0084] This invention distinguishes between successful and failed transactions by setting the transaction record to either a transfer signal or a no-transfer signal.

[0085] When the seller operation module outputs a transfer signal to the server, the server's preprocessor receives the transfer signal and sends a notification of receipt to the seller's payment terminal.

[0086] This invention sets the seller operation module to output a transfer signal to the server. When the server's preprocessor receives the transfer signal, it sends a notification of receipt to the seller's payment terminal, thereby avoiding situations where the seller is unaware of the buyer's payment.

[0087] The image operation module of this invention divides a complete and correct payment code into a grid, generates a first image using a first encryption method, and generates a real-time transaction password corresponding to the first image and sends it to the image display module. After the seller's payment terminal acquires the first image through the image acquisition device, it inputs the first transaction password through the password input module, and then the seller operation module completes the corresponding image operation steps to generate and recognize the second image. Based on the recognized second image, a transaction record is output, thereby enhancing transaction security, effectively preventing the complete and correct payment code from being used by criminals, and protecting the property security of both the buyer and the seller.

[0088] For example, such as Figure 1 , 2 As shown, the image processing module divides the complete and correct payment code into 9 grids. Figure 1 The first image is generated by using the first encryption method on the nine grids. Figure 2 After the seller presents the new first image to the seller, the seller uses the image acquisition device to capture the image. Either the seller or the buyer can then decrypt the first image by entering a real-time transaction password to generate a second image. After recognizing the second image, the payment is successful and the transaction record is output, allowing the buyer to use the secure mode for future transactions.

[0089] As a further explanation of the present invention, the server also includes a risk handling module;

[0090] The risk processing module is used to determine whether the mobile payment terminal has completed the remittance.

[0091] If the remittance has been completed, determine whether the second wireless communication module of the seller's receiving terminal has received a payment notification after the image operation module outputs the first image and the corresponding real-time transaction password. If a payment notification is received within the first time, the transaction is considered successful. If no payment notification is received within the first time, an alarm signal is output.

[0092] If the remittance is not completed, the payment code will be refreshed immediately after the image operation module outputs the first image and the corresponding real-time transaction password, and an instruction to increase the risk level will be output.

[0093] This invention uses the risk processing module to determine whether a remittance has been completed. If the remittance has been completed and a notification of receipt is received immediately, it indicates that the seller has received the remittance, thus the transaction is considered successful. If a notification of receipt is not received immediately, it indicates that the seller has not received the remittance but the buyer has made the remittance, which may indicate fraudulent activities such as theft, and an alarm signal is issued. If the remittance has not been completed, the payment code is refreshed immediately and an instruction to increase the risk level is output, thereby improving the security of the transaction and further protecting the property of both the buyer and the seller.

[0094] The alarm signal may be a voice announcement of an error in payment.

[0095] This invention can set the alarm signal to announce payment errors via voice, thereby alerting sellers or buyers to abnormal transactions and helping to recover losses in a timely manner.

[0096] The phrase "if the remittance is not completed, refresh the payment code and increase the risk level immediately after outputting the first image and the corresponding real-time transaction password" is intended to prevent the problem of frequent payment code refreshes but inability to complete the transaction due to poor network conditions of the seller or buyer.

[0097] This invention avoids the inability of terminals with slow data transmission to complete transactions by performing a refresh operation after the first time interval.

[0098] The first time is 10 to 120 seconds, preferably 60 seconds.

[0099] The present invention sets the first time to 10-120 seconds, preferably 60 seconds, thereby ensuring that locations or terminals with slow network data transmission due to objective reasons can obtain sufficient upload and download time.

[0100] For example, if the first time interval is 30 seconds, and a buyer completes the remittance and outputs the first image and the corresponding real-time transaction password in the image operation module, the seller receives the receipt notification 25 seconds later, and then the server determines that the transaction is successful.

[0101] For example, if the first time interval is 30 seconds, and the seller still has not received the payment notification 30 seconds after the buyer completes the remittance and the image operation module outputs the first image and the corresponding real-time transaction password, it can be determined that the remittance was incorrect or that the funds were obtained by hackers, resulting in the theft of funds or other abnormal situations. In this case, an alarm signal will be output to remind both the buyer and the seller to take appropriate measures in a timely manner, such as freezing the remittance or recovering it through other means.

[0102] For further explanation of the present invention, see [link to relevant documentation]. Figure 1 , 2The cryptographic database stores the real-time transaction strings corresponding to the grid numbers arranged sequentially; the first encryption method is:

[0103] After the payment code is randomly swapped between a second number of positioning grids and a second number of non-positioning grids, the current screen is output as the first image after the buyer issues a confirmation instruction to complete the third number of grid swaps on the non-positioning grids. The numbers of the two grids whose positions are swapped during the third number of grid swaps on the non-positioning grids are arranged sequentially to generate a real-time transaction string. All real-time transaction strings from the third number of grid swaps on the non-positioning grids are combined to generate the real-time transaction password. The image operation steps are as follows: the seller operation module generates the second image after swapping the grids according to the password strings in the password database.

[0104] This invention encrypts the payment code using the first encryption method. The seller's operation module randomly swaps the second number of positioning grids and non-positioning grids, making the positioning grids inaccurate and causing the payment code to be scanned without any operation. After the buyer confirms the swap of the third number of non-positioning grids, the current screen is output as the first image, thus increasing the difficulty of cracking the correct and complete payment code corresponding to the first image. The numbers of the two swapped grids are then arranged sequentially to generate a real-time transaction string, and the real-time transaction string is combined to generate the real-time transaction password. Since the real-time transaction password is different each time, it effectively prevents the buyer from having their password stolen when entering it, thus not only enhancing the security of this transaction but also effectively reducing the risk of the buyer's account being stolen.

[0105] For example, see Figure 1 , 2 The complete and correct payment code is Figure 1 After the second and fifth grids are swapped, the following is generated: Figure 2 At this time, the corresponding real-time transaction strings are "2, 5" and "1, 6".

[0106] The third number of non-positioned grids can be exchanged by the processor randomly adjusting them or by the buyer manually adjusting them.

[0107] The present invention can be randomly adjusted by the processor or manually adjusted by the buyer by setting the third number of non-positioning grids for exchange, thereby indirectly improving the strength of the real-time transaction password.

[0108] Among them, such as Figure 2 As shown, the "0" in the real-time transaction password is the risk password corresponding to the current risk level.

[0109] This invention increases the difficulty of cracking the real-time transaction password and further enhances transaction security by setting "0" in the real-time transaction password to be the risk password corresponding to the current risk level.

[0110] The positioning grid uses the real-time transaction password bar as a reference point.

[0111] This invention avoids situations where the correct orientation and operation direction of the second image cannot be confirmed by setting the positioning grid with the real-time transaction password bar as a reference point.

[0112] For further explanation of the present invention, see [link to relevant documentation]. Figure 1 , 2 The risk levels are divided into initial level, level 1 risk, level 2 risk, and level 3 risk. After receiving an instruction to increase the risk level, the server determines whether the current risk level is level 3. If it is, the current risk level is maintained; otherwise, the current risk level is upgraded.

[0113] The initial risk level is upgraded to Level 1 risk, Level 1 risk is upgraded to Level 2 risk, and Level 2 risk is upgraded to Level 3 risk.

[0114] For example, the initial risk level is upgraded to Level 1 risk after receiving an instruction to increase the risk level; the Level 1 risk is upgraded to Level 2 risk after receiving an instruction to increase the risk level; and the Level 2 risk is upgraded to Level 3 risk after receiving an instruction to increase the risk level.

[0115] After determining that the transaction is successful, the risk processing module adjusts the risk level back to the initial level.

[0116] When the risk processing module outputs a level 3 risk during a transaction, regardless of whether the transaction is successful, it records the seller's payment terminal and its corresponding payment location in the first list. When the mobile payment terminal transacts with a seller's payment terminal in the first list again, it maintains an alert mode until the risk processing module completes a transaction exceeding the third preset threshold while outputting the initial risk level. Then, it removes the seller's payment terminal and its corresponding payment location from the first list.

[0117] The server described in this invention identifies the current risk level and received instructions to determine whether to upgrade the risk level or revert to the initial level. The risk processing module records the payment location corresponding to the seller's payment terminal that has exceeded the third risk level in the first list and maintains an alert mode during subsequent transactions. This effectively prevents criminals from stealing usable information when the buyer transacts with a seller's payment terminal with a higher risk level. When the risk processing module completes a transaction exceeding the third preset threshold at the initial risk level, it removes the sensitive processing of the seller's payment terminal and removes the seller's payment terminal and its corresponding payment location from the first list. Thus, when transacting again, a safe mode can be used for relatively quick transactions, actively dealing with sellers with higher risk levels. After completing multiple operations at a relatively low security level, the safe mode is restored, ensuring both the buyer's property security and the convenience of the transaction.

[0118] For example, when a buyer completes a transaction with a toy seller after the risk processing module outputs a level 3 risk, the risk processing module records the toy seller's payment terminal and its corresponding payment location in the first list. When the buyer passes by the toy seller's payment location again with the mobile payment terminal and attempts to make a transaction, the mobile payment terminal enters an alert mode because the toy seller is on the first list. After completing three transactions with lower risk levels, the seller's payment location and payment terminal are removed from the first list. When making a transaction again, the mobile payment terminal uses a secure mode for quick transactions.

[0119] The third preset threshold can be 1 to 3 times, preferably 1 time.

[0120] The present invention achieves the goal of maximizing the protection of the buyer's property security by setting the third preset threshold to 1 to 3 times, preferably 1 time.

[0121] Specifically, when the current risk level is the initial level, upon receiving an instruction to upgrade the current risk level, the risk level is upgraded from the initial level to level one risk.

[0122] When the current risk level is Level 1, upon receiving an instruction to upgrade the current risk level, the risk level is upgraded from Level 1 to Level 2.

[0123] When the current risk level is Level 2, upon receiving an instruction to upgrade the current risk level, the risk level is upgraded from Level 2 to Level 3.

[0124] This invention improves the reliability of transactions by setting initial risk levels, level 1 risk, level 2 risk, level 3 risk, and their corresponding upgrade scenarios, thereby enabling switching between risk levels and taking different countermeasures according to different risk levels.

[0125] For further explanation of the present invention, see [link to relevant documentation]. Figure 1 , 2 3, 4, 5, 6, the real-time transaction password is composed of a risk password, a randomly selected password, and a self-set password in that order;

[0126] Risk code, which is based on risk level;

[0127] The machine-selected cipher is a string consisting of a second number of transformed positioning grids and non-positioning grids;

[0128] The self-set password consists of twice the number of the third non-positioning grid after the consumer's operation;

[0129] The real-time transaction password is a spaced string of numbers.

[0130] This invention sets the real-time transaction password as a number string with intervals, thereby effectively distinguishing between "1, 12" and "11, 2", and avoiding errors in the transmission of the real-time transaction password.

[0131] The positioning grid is a grid containing QR code positioning points, and the non-positioning grid is a grid that does not contain QR code positioning points.

[0132] This invention improves transaction security by setting the positioning grid to contain QR code positioning points and the non-positioning grid to not contain QR code positioning points, thereby ensuring that a correct and complete payment code cannot be directly recognized after the positioning grid is moved.

[0133] Each location grid or non-location grid can only be swapped once.

[0134] This invention avoids the inability to properly reverse-engineer the real-time transaction password by setting each location grid or non-location grid to exchange only once.

[0135] The second quantity is at least 1, and preferably 2.

[0136] By setting the second quantity to at least 1, preferably 2, the present invention ensures that the positioning grid cannot be directly traded after it is exchanged, thereby improving the security of the transaction.

[0137] The third quantity is at least 1, and preferably 2.

[0138] The present invention improves the security strength of the real-time transaction password by setting the third quantity to at least 1, preferably 2, thereby achieving the exchange between the non-positioning grids after the positioning grid is exchanged.

[0139] The risk level corresponds to a risk code consisting of a fourth number of zeros, the first number being no less than 3 (i.e., the number of grids being no less than 9), the second number being no less than 1, and the third number being no less than 1.

[0140] Whenever the risk level increases by one level, the fourth number of the corresponding risk password increases by one digit, the first number increases by a fifth number, the second number increases by a sixth number, and the third number increases by a seventh number;

[0141] The fourth quantity can be 1 to 10, preferably 1.

[0142] The present invention sets the fourth quantity to 1 to 10, preferably 1, thereby effectively displaying the current risk level to the buyer and increasing the buyer's vigilance.

[0143] The fifth quantity can be 1 to 10, preferably 1.

[0144] The present invention sets the fifth quantity to be 1 to 10, preferably 1, thereby ensuring that the safety strength increases with the risk level without causing too much impact on convenience.

[0145] The sixth quantity can be 0.1 to 5, preferably 0.5.

[0146] The present invention sets the sixth quantity to 0.1 to 5, preferably 0.5, thereby ensuring the security strength of the machine-selected password while appropriately reducing the time required to input the machine-selected password.

[0147] The seventh quantity can be 1 to 10, preferably 1.

[0148] The present invention sets the seventh quantity to 1 to 10, preferably 1, thereby avoiding the decrease in transaction efficiency caused by the excessive length of the self-set password.

[0149] The second quantity is calculated by rounding to one decimal place, i.e., 1.5 is approximately equal to 2.

[0150] This invention avoids a decrease in transaction efficiency by setting the second quantity to be rounded to one decimal place, i.e., 1.5 is approximately equal to 2.

[0151] This invention sets the real-time transaction password to consist of a risk password, a randomly selected password, and a user-defined password in that order. The risk password records and displays the current risk level to alert buyers to the security of the payment environment. The randomly selected password moves and exchanges the positioning grid of the complete and correct payment code, thereby preventing the encrypted first image from being directly recognized and scanned. The user-defined password enhances the security of the real-time transaction password and adjusts the number of exchanges according to changes in the risk level, thus adjusting the length of the real-time transaction password to adapt to more complex transaction environments.

[0152] The correspondence between the wind direction level and the risk code is shown in Table 1 below;

[0153] Risk level Initial level Level 1 risk Level 2 risk Level 3 Risk Risk Code 0 00 000 0000

[0154] Table 1

[0155] For example: Figure 1 , 2 As shown, according to the risk level, the risk code corresponding to the primary level is 0, the first quantity is at least 3, that is, the number of grids is at least 9, the second quantity corresponding to the primary level is at least 1, and the third quantity corresponding to the primary level is at least 1. Figure 1 To generate a complete and correct payment code for grid division, follow the steps described above. Figure 2 Therefore, the final real-time transaction password can be "0, 6, 1, 2, 5", where the risk password is "0", the randomly selected password is "6, 1", and the self-set password is "2, 5".

[0156] Whenever the risk level increases by one level, the number of corresponding risk passwords increases by 1, the first number increases by 1, the second number increases by 0.5, and the third number increases by 1;

[0157] like Figure 3 , 4 As shown, the risk code corresponding to Level 1 risk is 00, the first quantity is 2, meaning the number of grids is at least 16, the second quantity corresponding to Level 1 risk is 2, and the third quantity corresponding to Level 1 risk is 2. Figure 3 To generate a complete and correct payment code for grid division, follow the steps described above. Figure 4 Therefore, the final real-time transaction password can be "0, 0, 1, 11, 2, 4, 7, 10, 12, 16". The risk password in the real-time transaction password is "0, 0", the randomly selected password is "1, 11, 2, 4", and the self-set password is "7, 10, 12, 16".

[0158] like Figure 5 ,6 As shown, the risk code corresponding to level three risk is 0000. The first quantity is 6, meaning the number of grids is at least 36. The second quantity corresponding to level three risk is 3, and the third quantity corresponding to level three risk is 4. Figure 5 To generate a complete and correct payment code for grid division, follow the steps described above. Figure 6 Therefore, the final real-time transaction password can be "0, 0, 0, 0, 1, 15, 2, 16, 7, 21, 18, 24, 30, 36, 27, 33, 28, 34". The risk password in the real-time transaction password is "0, 0, 0, 0", the randomly selected password is "1, 15, 2, 16, 7, 21", and the self-set password is "18, 24, 30, 36, 27, 33, 28, 34".

[0159] As a further explanation of the present invention, the step of "preprocessor for identifying the risk level of mobile payment terminals" includes the following steps:

[0160] The risk processing module determines whether the risk level is greater than Level 1 risk. If not, the server sets the seller's payment arrival time to the third payment arrival time. If so, the server extends the third payment arrival time by a first unit of time and performs buyer verification every second time interval. If the verification passes, the payment arrives immediately and subsequent verifications are stopped. If the verification fails, the number of verifications is increased by 1. When the number of verifications exceeds a second preset threshold, an alarm signal is output.

[0161] For example, if the risk level module determines that the risk level is Level 1, the payment from the buyer will be transferred to the seller's account within 0.1 seconds, thus improving the seller's cash flow.

[0162] This invention uses the risk processing module to determine whether the risk level is greater than level two, and then determines whether the current transaction has a high transaction risk. If there is no risk, the funds are credited immediately. If there is risk, the server adaptively extends the seller's arrival time for the first unit of time, and continuously verifies the buyer during the extended time. If the verification is successful, it means that there is no problem with the transaction and the funds are credited immediately. If the verification fails, it means that the transaction is suspicious, and an alarm signal is issued after multiple verification failures.

[0163] The alarm signal may be an application to a bank or relevant institution to investigate the transaction funds and related information.

[0164] This invention enables the issuance of investigation requests to banks or relevant institutions by setting the alarm signal, requesting relevant departments to investigate transaction funds and information, thereby protecting the property safety of buyers and sellers from illegal infringement and maintaining a sound payment environment.

[0165] The third arrival time is 0.1 to 10 seconds, preferably 0.1 seconds.

[0166] This invention sets the third arrival time to 0.1 to 10 seconds, preferably 0.1 seconds, so that if the risk level is low, the funds can arrive almost immediately, while if the risk level is high, subsequent verification is required, thereby improving the seller's cash flow speed.

[0167] The second time is 12 to 48 hours, preferably 24 hours.

[0168] The present invention sets the second time to 12 to 48 hours, preferably 24 hours, so that verification can be carried out at the same time on the second day, thus avoiding disturbing the buyer's normal life and work.

[0169] The second preset threshold is 1 to 10, preferably 3.

[0170] The present invention sets the second preset threshold to 1 to 10, preferably 3, thereby avoiding excessive verification times that could affect the buyer's normal life.

[0171] The first unit time is 12 to 48 hours, preferably 24 hours.

[0172] The present invention sets the first unit time to 12 to 48 hours, preferably 24 hours, thereby preventing buyers from making remittances to criminals due to operational negligence.

[0173] For further explanation of the present invention, see [link to relevant documentation]. Figure 1 , 2 The server also includes

[0174] A positioning database is used to store positioning templates, each positioning template having at least three positioning blocks;

[0175] The complete and correct payment code output by the preprocessor has at least three positioning blocks;

[0176] The preprocessor compares whether the second image contains the same number and position of positioning blocks as the complete and correct payment code. If so, no action is taken; otherwise, an alarm signal is issued and an instruction to increase the risk level is output.

[0177] For example, after scanning the second image, the preprocessor finds that the second image and the complete and correct QR code have three positioning blocks in the same position, and therefore determines that the second image is a QR code that can be scanned.

[0178] The present invention uses the preprocessor to determine whether the second image contains the same number and position of positioning blocks as the complete and correct payment code, thereby quickly determining whether the second image is a scannable payment code. If so, the second image can be scanned; otherwise, it indicates that the second image is incorrect and cannot be scanned, thereby improving transaction efficiency.

[0179] The complete and correct payment code preferably has at least three positioning blocks configured on the three endpoints of the complete and correct payment code.

[0180] The present invention sets at least three positioning blocks, preferably configured on the three endpoints of the complete and correct payment code, thereby ensuring that the payment code is accurately located and scanned, reducing the difficulty of scanning and thus improving transaction efficiency.

[0181] As a further explanation of the present invention, a QR code payment settlement system and method are provided, see [link to relevant documentation]. Figure 1 , 2 ,

[0182] Record the transaction location of the seller's payment terminal;

[0183] Record the real-time location of the mobile payment terminal;

[0184] Record the transaction records of the mobile payment terminal and the transaction locations corresponding to the transaction records;

[0185] Store the transaction records of the mobile payment terminal and the transaction locations corresponding to the transaction records;

[0186] Identify the risk level of mobile payment terminals;

[0187] Determine whether the distance between the real-time location of the mobile payment terminal and one of the transaction locations in the previous transaction records is less than or equal to a first preset threshold. If not, activate the alert mode of the mobile payment terminal; if so, activate the security mode of the mobile terminal.

[0188] In the secure mode, a complete and correct payment code is used during payment; in the vigilant mode, the first method is used to encrypt the complete and correct payment code.

[0189] In this invention, the real-time location of the buyer's mobile payment terminal is determined by the preprocessor to determine whether the distance to the transaction location is within the first preset threshold, and then to determine whether to activate the alert mode or the security mode. In the alert mode, the payment code is encrypted to protect the security of the transaction by protecting the unfamiliar seller's payment terminal that is the first time making a transaction. In the vicinity of the seller's payment terminal where a transaction has been completed, the security mode is activated to complete the transaction as soon as possible to avoid situations such as payment code theft, thereby improving the buyer's payment security.

[0190] As a further explanation of the present invention, the first method in a QR code payment settlement system and method is as follows;

[0191] The mobile payment terminal

[0192] Receive payment information;

[0193] Display the first image;

[0194] Upon receiving payment information, the complete and correct payment code is divided into a first number of horizontal and vertical grids and labeled. The first image and the corresponding real-time transaction password are generated from the complete and correct payment code using the first encryption method. The first image and the corresponding real-time transaction password are then output.

[0195] The seller payment terminal

[0196] Acquire the first image;

[0197] Store the first transaction password corresponding to the real-time transaction password, and the image operation steps corresponding to the first transaction password;

[0198] Obtain the real-time transaction password entered by the buyer or seller;

[0199] The first image is displayed and converted into a first transaction password based on the acquired real-time transaction password. The seller operation module performs the image operation steps on the first image according to the image operation steps corresponding to the first transaction password, generates a second image, recognizes the second image, and outputs the transaction record based on the recognized second image.

[0200] The image operation module of this invention divides a complete and correct payment code into a grid, generates a first image using a first encryption method, and generates a real-time transaction password corresponding to the first image and sends it to the image display module. After the seller's payment terminal acquires the first image through the image acquisition device, it inputs the first transaction password through the password input module, and then the seller operation module completes the corresponding image operation steps to generate and recognize the second image. Based on the recognized second image, a transaction record is output, thereby enhancing transaction security, effectively preventing the complete and correct payment code from being used by criminals, and protecting the property security of both the buyer and the seller.

[0201] As a further explanation of the present invention, the first wireless communication module and the second wireless communication module are connected wirelessly via Bluetooth.

[0202] This invention achieves more stable data transmission by setting up a Bluetooth wireless connection between the first wireless communication module and the second wireless communication module.

[0203] As a further explanation of the present invention, the first wireless communication module and the second wireless communication module are connected via WIFI wireless connection.

[0204] The present invention achieves a wider connection range between the first wireless communication module and the second wireless communication module by setting up a WIFI wireless connection between them.

[0205] As a further explanation of the present invention, the first wireless communication module and the second wireless communication module are wirelessly connected via a SIM card.

[0206] This invention achieves faster data transmission by setting up a wireless connection between the first wireless communication module and the second wireless communication module via a SIM card.

[0207] As a further explanation of the present invention, the image display module is a high-definition display screen.

[0208] This invention achieves the goal of displaying the first image to buyers and sellers more clearly by setting the image display module to a high-definition display screen.

[0209] As a further explanation of the present invention, the image acquisition module is a high-definition camera.

[0210] The present invention achieves the goal of making the captured first image clearer by setting the image acquisition module as a high-definition camera.

[0211] As a further explanation of the present invention, the mobile payment terminal is a smartphone.

[0212] This invention enables buyers to make payments in real time by setting the mobile payment terminal to a smartphone.

[0213] As a further explanation of the present invention, the mobile payment terminal is a smart tablet computer.

[0214] This invention provides sellers with a larger and clearer first image by setting the mobile payment terminal to a smart tablet computer.

[0215] As a further explanation of the present invention, the mobile payment terminal is a smartwatch.

[0216] This invention sets the mobile payment terminal to a smartwatch, thereby eliminating the need for buyers to take out their phones at checkout, making transactions more convenient and faster.

[0217] The embodiments described above are merely preferred embodiments of the present invention and are not intended to limit the scope of the present invention. Various modifications and improvements made by those skilled in the art to the technical solutions of the present invention without departing from the spirit of the present invention should fall within the protection scope defined by the claims of the present invention.

Claims

1. A QR code payment and settlement system, characterized in that: This includes mobile payment terminals, seller payment terminals, and servers; The seller payment terminal includes: The second positioning module is used to determine the transaction location of the seller's payment terminal; The mobile payment terminal includes: The first positioning module is used to record the real-time location of the mobile payment terminal; A transaction record module is used to record the transaction records of the mobile payment terminal and the transaction locations corresponding to the transaction records; The server includes: A pre-database is used to store transaction records of mobile payment terminals and the transaction locations corresponding to those transaction records; A preprocessor is used to identify the risk level of a mobile payment terminal. The preprocessor is used to determine whether the distance between the real-time location of the mobile payment terminal and one of the transaction locations of previous transaction records is less than or equal to a first preset threshold. If not, the mobile payment terminal is activated in an alert mode. If so, the mobile payment terminal is activated in a security mode. In the security mode, the mobile payment terminal uses a complete and correct payment code during payment; in the alert mode, the complete and correct payment code is encrypted using the first method. The first method is as follows; The mobile payment terminal is used to receive payment information, and the mobile payment terminal also includes an image display module, an image operation module, and a first wireless communication module; The first wireless communication module is used to wirelessly connect with the second wireless communication module; The image display module is used to display the first image; The image operation module is used to divide the complete and correct payment code into a first number of horizontal and vertical grids on an equal basis when the payment information is received, and to label them. The module then uses a first encryption method to generate a first image and a corresponding real-time transaction password from the complete and correct payment code, and outputs the first image and the corresponding real-time transaction password to the image display module. The seller payment terminal is used to assist sellers in receiving payments. The seller payment terminal also includes an image acquisition device, a seller operation module, a second wireless communication module, a password database, and a password input module. The second wireless communication module is used to wirelessly connect with the first wireless communication module; The image acquisition device is used to acquire the first image displayed by the image display module; The password database is used to store the first transaction password corresponding to the real-time transaction password, and the image operation steps corresponding to the first transaction password; The password input module is used to obtain the real-time transaction password entered by the buyer or seller; The seller operation module is used to display the first image and convert the obtained real-time transaction password into a first transaction password. After the seller operation module completes the image operation steps of the first image according to the image operation steps corresponding to the first transaction password, it generates a second image, recognizes the second image, and outputs the transaction record based on the recognized second image.

2. The QR code payment settlement system according to claim 1, characterized in that: The first wireless communication module and the second wireless communication module are connected wirelessly via Bluetooth.

3. The QR code payment settlement system according to claim 1, characterized in that: The first wireless communication module and the second wireless communication module are connected via WIFI wireless connection.

4. The QR code payment settlement system according to claim 1, characterized in that: The first wireless communication module and the second wireless communication module are wirelessly connected via a SIM card.

5. A QR code payment settlement system according to claim 4, characterized in that: The image display module is a high-definition display screen.

6. A QR code payment settlement system according to claim 5, characterized in that: The image acquisition module is a high-definition camera.

7. A QR code payment settlement system according to claim 6, characterized in that: The mobile payment terminal is a smartphone.

8. A QR code payment settlement system according to claim 7, characterized in that: The mobile payment terminal is a smart tablet computer.

9. A method for a QR code payment settlement system according to claim 1, characterized in that: Record the transaction location of the seller's payment terminal; Record the real-time location of the mobile payment terminal; Record the transaction records of the mobile payment terminal and the transaction locations corresponding to the transaction records; Store the transaction records of the mobile payment terminal and the transaction locations corresponding to the transaction records; Identify the risk level of mobile payment terminals; Determine whether the distance between the real-time location of the mobile payment terminal and one of the transaction locations in the previous transaction records is less than or equal to a first preset threshold. If not, activate the alert mode of the mobile payment terminal; if so, activate the security mode of the mobile payment terminal. In the secure mode, a complete and correct payment code is used during payment; in the vigilance mode, the first method is used to encrypt the complete and correct payment code. The first method is as follows; The mobile payment terminal is used to receive payment information, and the mobile payment terminal also includes an image display module, an image operation module, and a first wireless communication module; The first wireless communication module is used to wirelessly connect with the second wireless communication module; The image display module is used to display the first image; The image operation module is used to divide the complete and correct payment code into a first number of horizontal and vertical grids on an equal basis when the payment information is received, and to label them. The module then uses a first encryption method to generate a first image and a corresponding real-time transaction password from the complete and correct payment code, and outputs the first image and the corresponding real-time transaction password to the image display module. The seller payment terminal is used to assist sellers in receiving payments. The seller payment terminal also includes an image acquisition device, a seller operation module, a second wireless communication module, a password database, and a password input module. The second wireless communication module is used to wirelessly connect with the first wireless communication module; The image acquisition device is used to acquire the first image displayed by the image display module; The password database is used to store the first transaction password corresponding to the real-time transaction password, and the image operation steps corresponding to the first transaction password; The password input module is used to obtain the real-time transaction password entered by the buyer or seller; The seller operation module is used to display the first image and convert the obtained real-time transaction password into a first transaction password. After the seller operation module completes the image operation steps of the first image according to the image operation steps corresponding to the first transaction password, it generates a second image, recognizes the second image, and outputs the transaction record based on the recognized second image.

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