Payment method, system, device and medium based on dynamic payment code generation

Abstract

The present invention discloses a payment method, system, device and medium based on dynamic payment code generation. The method includes: when a mobile terminal receives tag information, it wakes up the installation-free application, generates corresponding tag binding information through the installation-free application and sends it to the settlement terminal, and the settlement processing terminal receives the tag binding information and stores it; generates a dynamic payment code through the installation-free application, and when a merchant terminal receives the payment code information, it generates a corresponding payment request and sends it to the settlement processing terminal, and the settlement processing terminal verifies the payment request. If the verification result is passed, the settlement processing request corresponding to the payment request is sent to the settlement institution terminal to obtain the transaction result, and the transaction result is synchronously sent to the payment terminal and the merchant terminal. The above payment method can quickly complete the payment operation by obtaining the tag information of the payment card to generate a dynamic payment code, which can simplify the payment process, shorten the payment link, and thus improve the payment efficiency.

Description

Technical Field

[0001] The present invention relates to the field of quick payment technology, and in particular to a payment method, system, device and medium based on dynamic payment code generation. Background Art

[0002] Traditional physical transaction cards only support offline card swiping transactions, with a single transaction method. When used for online payment, they also need to be bound to the application with personal information, devices, etc., and the use link is too long. Therefore, the existing technical methods for online payment transactions have the problem of poor payment convenience. Summary of the invention

[0003] The embodiments of the present invention provide a payment method, system, device and medium based on dynamic payment code generation, aiming to solve the problem of poor payment convenience in the methods used for online payment transactions in the prior art methods.

[0004] In a first aspect, an embodiment of the present invention provides a payment method based on dynamic payment code generation, the method is applied in a payment system, the payment system includes a payment terminal, a merchant terminal and a settlement processing terminal, the merchant terminal and the payment terminal are respectively connected to the settlement processing terminal for communication to achieve data information transmission, wherein the method includes:

[0005] If the payment terminal receives the input tag information, it wakes up the installation-free application according to the tag information; the tag information includes NFC tag information obtained by identifying the NFC tag in the payment card;

[0006] The installation-free application in the payment terminal generates tag binding information corresponding to the tag information and sends it to the settlement processing terminal;

[0007] The settlement processing terminal receives and stores the tag binding information;

[0008] The installation-free application in the payment terminal generates a dynamic payment code corresponding to the payment terminal and the label information according to a preset barcode generation rule;

[0009] If the merchant terminal receives the payment code information corresponding to the dynamic payment code, a payment request corresponding to the payment code information, the merchant terminal and the payment amount is generated according to a preset request generation rule; the payment code information is obtained by the merchant terminal scanning the dynamic payment code;

[0010] The merchant terminal sends the payment request to the settlement processing terminal;

[0011] The settlement processing terminal verifies the payment request according to the preset verification rules and the stored tag binding information, and obtains a verification result indicating whether the payment request passes.

[0012] If the verification result is passed, the settlement processing terminal sends a settlement processing request corresponding to the payment request to the settlement institution terminal to obtain the transaction result fed back by the settlement institution terminal;

[0013] The settlement processing terminal sends the transaction result to the payment terminal and the merchant terminal simultaneously.

[0014] In a second aspect, an embodiment of the present invention further provides a payment system based on dynamic payment code generation, the payment system comprising a payment terminal, a merchant terminal and a settlement processing terminal, the merchant terminal and the payment terminal respectively communicating with the settlement processing terminal to realize data information transmission, the payment system is used to execute the payment method based on dynamic payment code generation as described in the first aspect above, the payment system comprising an application wake-up unit, a dynamic payment code generation unit and a tag binding information sending unit configured in the payment terminal, a storage unit, a payment request verification unit, a settlement processing request sending unit and a synchronization sending unit configured in the settlement processing terminal, and a payment request generation unit and a payment request sending unit configured in the merchant terminal;

[0015] The application awakening unit is configured to awaken the installation-free application according to the tag information if the tag information input is received; the tag information includes NFC tag information obtained by identifying the NFC tag in the payment card;

[0016] The tag binding information sending unit is used for the installation-free application in the payment terminal to generate tag binding information corresponding to the tag information and send it to the settlement processing terminal;

[0017] The storage unit is used to receive and store the tag binding information;

[0018] The dynamic payment code generation unit is used for the installation-free application in the payment terminal to generate a dynamic payment code corresponding to the payment terminal and the tag information according to a preset barcode generation rule;

[0019] The payment request generating unit is configured to generate a payment request corresponding to the payment code information, the merchant terminal and the payment amount according to a preset request generating rule upon receiving the payment code information corresponding to the dynamic payment code; the payment code information is obtained by the merchant terminal scanning the dynamic payment code;

[0020] The payment request sending unit is used to send the payment request to the settlement processing terminal;

[0021] The payment request verification unit is used to verify the payment request according to the preset verification rules and the stored tag binding information to obtain a verification result of whether it passes or not;

[0022] The settlement processing request sending unit is used to send a settlement processing request corresponding to the payment request to a settlement institution terminal if the verification result is passed, so as to obtain a transaction result fed back by the settlement institution terminal;

[0023] The synchronous sending unit is used to synchronously send the transaction result to the payment terminal and the merchant terminal.

[0024] In a third aspect, an embodiment of the present invention further provides a computer device, and a payment terminal, a merchant terminal or a settlement processing terminal in a payment system can be implemented as the computer device, wherein the computer device includes a processor, a network interface, a memory and a communication bus, wherein the processor, the network interface and the memory communicate with each other through the communication bus;

[0025] Memory, used to store computer programs;

[0026] A processor, configured to execute a program stored in the memory;

[0027] When the processors corresponding to the payment terminal, the merchant terminal and the settlement processing terminal respectively execute the program stored in the memory at the same time, the steps of the payment method based on dynamic payment code generation as described in the first aspect are implemented.

[0028] In a fourth aspect, an embodiment of the present invention further provides a computer-readable storage medium having a computer program stored thereon, wherein when the computer program is executed by a processor, the steps of the payment method based on dynamic payment code generation as described in the first aspect above are implemented.

[0029] The embodiment of the present invention provides a payment method, system, device and medium based on dynamic payment code generation, the method includes: when the mobile terminal receives the tag information, it wakes up the installation-free application, generates the corresponding tag binding information through the installation-free application and sends it to the settlement terminal, the settlement processing terminal receives the tag binding information and stores it; the dynamic payment code is generated through the installation-free application, the merchant terminal receives the payment code information and generates the corresponding payment request and sends it to the settlement processing terminal, the settlement processing terminal verifies the payment request, if the verification result is passed, the settlement processing request corresponding to the payment request is sent to the settlement institution terminal to obtain the transaction result, and the transaction result is sent to the payment terminal and the merchant terminal simultaneously. The above payment method obtains the tag information of the payment card to generate a dynamic payment code to quickly complete the payment operation, which can simplify the payment process, shorten the payment link, and thus improve the payment efficiency. BRIEF DESCRIPTION OF THE DRAWINGS

[0030] In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the accompanying drawings required for use in the description of the embodiments will be briefly introduced below. Obviously, the accompanying drawings described below are some embodiments of the present invention. For ordinary technicians in this field, other accompanying drawings can be obtained based on these accompanying drawings without paying any creative work.

[0031] Figure 1 A method flow chart of a payment method based on dynamic payment code generation provided by an embodiment of the present invention;

[0032] Figure 2 A schematic diagram of an application scenario of a payment method based on dynamic payment code generation provided by an embodiment of the present invention;

[0033] Figure 3 A schematic block diagram of a payment system based on dynamic payment code generation provided by an embodiment of the present invention;

[0034] Figure 4 It is a schematic block diagram of a computer device provided by an embodiment of the present invention. DETAILED DESCRIPTION

[0035] The following will be combined with the drawings in the embodiments of the present invention to clearly and completely describe the technical solutions in the embodiments of the present invention. Obviously, the described embodiments are part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of the present invention.

[0036] It should be understood that when used in this specification and the appended claims, the terms "include" and "comprises" indicate the presence of described features, integers, steps, operations, elements and / or components, but do not exclude the presence or addition of one or more other features, integers, steps, operations, elements, components and / or combinations thereof.

[0037] It should also be understood that the terms used in the present specification are only for the purpose of describing specific embodiments and are not intended to limit the present invention. As used in the present specification and the appended claims, unless the context clearly indicates otherwise, the singular forms "a", "an" and "the" are intended to include plural forms.

[0038] It should be further understood that the term "and / or" used in the present description and the appended claims refers to and includes any and all possible combinations of one or more of the associated listed items.

[0039] See also Figure 1 and Figure 2 As shown in the figure, an embodiment of the present invention application provides a payment method based on dynamic payment code generation, which is applied in a payment system 100. The payment system 100 includes a payment terminal 10, a merchant terminal 20 and a settlement processing terminal 30. The merchant terminal 20 and the payment terminal 10 are respectively communicated with the settlement processing terminal 30 to realize the transmission of data information, and the settlement processing terminal 30 is communicated with the settlement institution terminal (bank, UnionPay and other institution terminals) to realize the transmission of data information. The method is executed by installing application software in the payment terminal 10, the merchant terminal 20 and the settlement processing terminal 30. The payment terminal 10 is a terminal device for scanning payment cards and obtaining label information. The payment terminal 10 also needs to be equipped with a display panel and display information. The payment terminal 10 can be a mobile phone, a tablet computer, etc.; the merchant terminal 20 is a terminal device configured at the merchant end for information input and transmission, such as a POS machine, a desktop computer, etc. The merchant terminal 20 can scan the dynamic payment code displayed on the payment terminal 10 through a barcode scanner and obtain the corresponding payment code information; the settlement processing terminal 30 is also a terminal device configured in the settlement enterprise for settlement information processing, such as a cluster server that supports settlement processing of massive payment requests. The example of this application only shows the specific use process of a payment terminal 10 and a merchant terminal 20 for payment. In actual application, multiple merchant terminals 20 can respectively scan the dynamic payment code on a payment terminal 10 to achieve synchronous processing of the payment requests corresponding to each of the multiple merchant terminals 20. Figure 1 As shown, the method includes steps S110 to S190.

[0040] S110: If the payment terminal receives the input tag information, it wakes up the installation-free application according to the tag information.

[0041] If the payment terminal receives the input tag information, it wakes up the installation-free application according to the tag information. The tag information includes NFC tag information obtained by identifying the NFC tag in the payment card. The payment terminal can receive the input tag information, and the tag information includes NFC tag information corresponding to the payment card; specifically, the payment terminal can sense the payment card, which is a small-value bearer payment card sold by offline outlets of enterprises and institutions, and the payment card is equipped with an NFC tag; the payment terminal senses and identifies the NFC tag in the payment card, thereby obtaining the corresponding NFC tag information for use as tag information.

[0042] The NFC tag information contains an application wake-up instruction, and the payment terminal wakes up the installation-free application according to the application wake-up instruction in the NFC tag information. The installation-free application can be a light application app in the iOS system or a Google installation-free application in the Android system.

[0043] S120: The installation-free application in the payment terminal generates tag binding information corresponding to the tag information and sends the tag binding information to the settlement processing terminal.

[0044] The installation-free application in the payment terminal generates tag binding information corresponding to the tag information and sends it to the settlement processing terminal. The tag information can be further bound to the terminal identification information of the payment terminal through the installation-free application, thereby generating corresponding tag binding information, and sending the tag binding information to the settlement processing terminal. The tag binding information includes the terminal identification information and tag information of the payment terminal. The tag information includes NFC tag information, and the tag information can also include NFC tag information and payment card number and other information. The payment card number can be used as a payment card activation code.

[0045] In another embodiment, step S120 specifically includes: acquiring terminal identification information of the payment terminal and binding it with the tag information to generate corresponding tag binding information; and sending the tag binding information to the settlement processing terminal.

[0046] Specifically, the terminal identification information of the payment terminal is obtained and bound to the tag information, thereby generating corresponding tag binding information and sending it to the settlement processing terminal.

[0047] S130: The settlement processing terminal receives and stores the tag binding information.

[0048] The settlement processing terminal receives the tag binding information and stores it. The settlement processing terminal receives the tag binding information and determines whether the stored tag binding information conflicts with the newly received tag binding information. A payment card can only be bound to the terminal identification information of one payment terminal. It can be determined whether there is tag information matching the newly received tag binding information in the stored tag binding information, that is, whether the two sets of tag binding information contain the same tag information; if the two sets of tag binding information contain the same tag information, it indicates that the tag information of the payment card has been bound and cannot be bound again, and the newly received tag binding information is not stored; if there is no tag information matching the newly received tag binding information in the stored tag binding information, it indicates that the tag information of the payment card has not been bound, and the newly received tag binding information is stored.

[0049] S140: The installation-free application in the payment terminal generates a dynamic payment code corresponding to the payment terminal and the tag information according to a preset barcode generation rule.

[0050] The installation-free application in the payment terminal generates a dynamic payment code corresponding to the payment terminal and the label information according to the preset barcode generation rules. The installation-free application is configured with barcode generation rules, and the dynamic payment code corresponding to the payment terminal and the label information can be generated according to the preset barcode generation rules. The payment terminal generates a dynamic payment code corresponding to the payment terminal and the label information according to the barcode generation rules. The dynamic payment code is updated at intervals, that is, the dynamic payment code becomes invalid after a certain period of time. The dynamic payment code is also a barcode for convenient scanning payment. The dynamic payment code can be a barcode or a QR code. Furthermore, after the settlement processing terminal successfully stores the label binding information, it can feedback the notification information of successful storage to the payment terminal. After receiving the notification information, the installation-free application of the payment terminal starts the processing step of generating the dynamic payment code.

[0051] In a specific embodiment, step S140 specifically includes: parsing the NFC tag information in the tag information to obtain corresponding token information; determining the corresponding effective expiration time according to the current time and the effective duration in the barcode generation rule; combining the terminal identification information of the payment terminal, the token information and the effective expiration time to obtain a corresponding dynamic sequence; generating a dynamic payment code corresponding to the dynamic sequence according to the payment code template in the barcode generation rule.

[0052] Parse the NFC tag information in the tag information to obtain the token information therein. The NFC tag information is a continuous string. The token information can be obtained by intercepting a specific number of characters from the continuous string. For example, if the NFC tag information is a string containing 32 characters (the string can be expressed in decimal or hexadecimal), and the token information is located from the third to the fourteenth position of the string, then the characters located from the third to the fourteenth position of the string are intercepted as the token information, and the application wake-up instruction is located from the seventeenth to the thirty-second position of the string.

[0053] Furthermore, the corresponding effective expiration time is determined according to the current time and the effective duration in the barcode generation rule. For example, if the effective duration is 2 minutes, the time point 2 minutes after the current time is determined as the effective expiration time, and the corresponding dynamic payment code generated before the effective expiration time is valid, and the dynamic payment code becomes invalid after the effective expiration time.

[0054] Get the terminal identification information of the payment terminal. The terminal identification information can be the MAC (Media Access Control Address) address or IMEI (International Mobile Equipment Identity) information of the payment terminal. The terminal identification information corresponds to the payment terminal one-to-one. Combine the terminal identification information, token information and valid expiration time to obtain a dynamic sequence. Generate a dynamic payment code corresponding to the dynamic sequence according to the payment code template in the barcode generation rule. The payment code template is used to configure the display form of the payment code. For example, the payment code template can be a barcode template or a QR code template; add the dynamic sequence to the payment code template to generate a dynamic payment code with the corresponding display form.

[0055] In another embodiment, step S140 specifically includes: parsing the NFC tag information in the tag information to obtain corresponding token information; verifying whether the payment card number matches the token information according to a preset information verification rule to obtain a corresponding information verification result; if the information verification result is a match, determining the corresponding valid expiration time according to the current time and the valid duration in the barcode generation rule; combining the terminal identification information of the payment terminal, the token information, the payment card number and the valid expiration time to obtain a corresponding dynamic sequence; and generating a dynamic payment code corresponding to the dynamic sequence according to the payment code template in the barcode generation rule.

[0056] The tag information may include NFC tag information and payment card number. The payment card number (which may be in decimal or hexadecimal) may be viewed by the user by viewing the card number information recorded on the payment card and manually input into the payment terminal. The payment terminal may then simultaneously obtain the payment card number input by the user and the NFC tag information obtained by identifying the NFC tag.

[0057] After obtaining the token information, the payment card number and the token information can be checked according to the information verification rules to see whether they match, thereby obtaining an information verification result of whether they match. The information verification rules include specific rules for combining the payment card number and the token information. For example, if the information verification rule is to sequentially combine the payment card number and the token information, then the two are sequentially combined to obtain a combined string. The information verification rule can also be to perform character spacing combination of the payment card number and the token information (a character of the token information is inserted in the corresponding order between two characters in the payment card number), to perform hexadecimal inversion and then combine the payment card number and the token information, etc. Obtain the characters before the token information in the NFC tag information and perform a remainder operation on the combined string (that is, the characters before the token information in the NFC tag information are the remainder). The calculation process can be expressed as C=A%B, where C is the remainder result, A is the combined string, and B is the characters before the token information in the NFC tag information. It is determined whether the remainder result "C" matches the character after the token information in the NFC tag information (that is, the character after the token information in the NFC tag information is the verification character) to obtain the information verification result of whether the payment card number matches the token information. Since the NFC tag information cannot be tampered with, the legitimacy of the corresponding payment card number can be verified through the NFC tag information, thereby improving the security of payment operations using payment cards.

[0058] Furthermore, if the information verification result is a match, the effective expiration time can be determined, and the terminal identification information, token information, payment card number and effective expiration time are combined to generate a dynamic sequence and a corresponding dynamic payment code. The specific processing process is similar to the above process. If the information verification result is not a match, a prompt message indicating that payment cannot be made is directly displayed on the payment terminal.

[0059] S150: If the merchant terminal receives the payment code information corresponding to the dynamic payment code, a payment request corresponding to the payment code information, the merchant terminal and the payment amount is generated according to a preset request generation rule.

[0060] If the merchant terminal receives the payment code information corresponding to the dynamic payment code, a payment request corresponding to the payment code information, the merchant terminal and the payment amount is generated according to the preset request generation rules. The payment code information is obtained by the merchant terminal scanning the dynamic payment code. Merchant information can be obtained by scanning the dynamic payment code with a scanner and obtaining the payment code information corresponding to the dynamic payment code. The payment code information is the character sequence obtained by parsing and restoring the scanned information. Usually, scanning the dynamic payment code can obtain a binary sequence (black in the dynamic payment code represents "1", white represents "0", and the combination of black information and white information forms a binary sequence). The payment code information can be obtained by parsing and restoring the binary sequence.

[0061] The merchant terminal further generates a payment request corresponding to the payment code information, the merchant terminal and the payment amount according to the request generation rules. The payment request is the request information submitted to the settlement processing terminal for payment. The payment amount is entered by the merchant on the merchant terminal. For example, the merchant can enter the payment amount first and then scan the dynamic payment code with a barcode scanner; or the merchant can first scan the dynamic payment code with a barcode scanner and then enter the payment amount.

[0062] In another embodiment, step S150 specifically includes: obtaining merchant identification information corresponding to the merchant terminal; combining the payment code information, the merchant identification information and the payment amount to obtain a corresponding combination sequence; encrypting the combination sequence according to the encryption strategy in the request generation rule and the merchant identification information to generate corresponding encrypted information as the payment request.

[0063] Specifically, the merchant identification information corresponding to the merchant terminal can be obtained, and the payment code information, merchant identification information and payment amount can be combined to obtain the corresponding combination sequence; the merchant identification information is used as the public key, and the combination sequence is encrypted through the encryption strategy and the public key to generate the corresponding encrypted information, and the obtained encrypted information can be used as the payment request. Among them, the encryption strategy can be an asymmetric encryption strategy such as the elliptic curve encryption algorithm and the RSA algorithm. After the information is encrypted to obtain the payment request and then transmitted, the security risks existing in the transmission of information in the public network can be avoided, and the security of payment can be improved.

[0064] S160: The merchant terminal sends the payment request to the settlement processing terminal.

[0065] The merchant terminal sends the generated payment request to the settlement processing terminal.

[0066] S170: The settlement processing terminal verifies the payment request according to preset verification rules and stored tag binding information to obtain a verification result indicating whether the payment request has passed.

[0067] The settlement processing terminal verifies the payment request according to the preset verification rules and the stored tag binding information to obtain a verification result of whether it passes. After receiving the payment request, the settlement processing terminal verifies the payment request according to the pre-configured verification rules and the stored tag binding information to obtain a verification result of whether it passes. The settlement processing terminal is not a terminal device configured in a financial institution and cannot complete the actual settlement processing.

[0068] In another embodiment, step S170 specifically includes: obtaining merchant identification information corresponding to the sending address of the payment request; decrypting the payment request according to the decryption strategy in the verification rule and the merchant identification information to obtain a corresponding decryption sequence; judging whether the merchant identification information corresponds to the decryption sequence to obtain a first judgment result; judging whether the current time has not reached the effective deadline in the decryption sequence to obtain a second judgment result; judging whether the decryption sequence matches a set of stored tag binding information to obtain a third judgment result; judging whether the payment amount in the decryption sequence does not exceed the remaining amount of the payment card corresponding to the decryption sequence to obtain a fourth judgment result; if all four sets of judgment results are yes, a verification result of passing the verification is obtained; if one of the sets of judgment results is no, a verification result of failing the verification is obtained.

[0069] Specifically, the payment request is sent to the settlement processing terminal, and the settlement processing terminal can obtain the sending address corresponding to the payment request. Each merchant terminal corresponds to a sending address, and the merchant identification information corresponding to the merchant terminal can be obtained according to the sending address. The matching private key can be obtained from the secret key database through the merchant identification information. The public key and private key of the same merchant identification information correspond to each other. The payment request can be decrypted according to the decryption strategy and the private key corresponding to the merchant identification information, thereby obtaining the corresponding decryption sequence; the decryption strategy is also the inverse operation strategy corresponding to the encryption strategy.

[0070] Further, it is determined whether the merchant identification information matches the character sequence corresponding to the merchant identification information in the decryption sequence, thereby obtaining a first judgment result of whether the merchant identification information corresponds to the decryption sequence; further the current time is obtained, and it is determined whether the current time has reached the valid deadline in the decryption sequence. If the current time has reached the valid deadline, it indicates that the generated dynamic payment code has expired, and the payment terminal needs to generate a new dynamic payment code again and repeat the above steps S110-S160; if the current time has not reached the valid deadline, it indicates that the generated dynamic payment code is valid.

[0071] Afterwards, to determine whether the decryption sequence matches a stored set of label binding information, the corresponding decryption token information can be first obtained from the decryption sequence, and it can be determined whether the stored label binding information contains the label binding information of the decryption token information; if it is contained, the label binding information containing the decryption token information is obtained as the comparison binding information; and further, it is determined whether the decrypted merchant identification information in the decryption sequence matches the merchant identification information in the comparison binding information, thereby obtaining a third judgment result of whether the decryption sequence matches the stored set of label binding information.

[0072] If the third judgment result is a match, the label binding information of the decrypted token information is locked as the comparison binding information; for example, a data lock is added to the comparison binding information, or the token information in the comparison binding information is hexadecimal inverted to ensure that the token information in the locked comparison binding information cannot be matched again before this payment is completed.

[0073] The settlement processing terminal also stores the remaining amount corresponding to each payment card. When the settlement processing terminal first obtains the tag binding information, it will initialize the remaining amount of the payment card corresponding to the tag binding information. After that, the remaining amount will be deducted and updated every time a payment settlement is made. It can be judged whether the payment amount in the decrypted sequence does not exceed the remaining amount of the payment card corresponding to the decrypted sequence to obtain a fourth judgment result.

[0074] If the four groups of judgment results, namely the first judgment result, the second judgment result, the third judgment result and the fourth judgment result, are all yes, then a verification result of passing the verification is obtained; if one of the groups of judgment results is no, then a verification result of failing the verification is obtained.

[0075] S180: If the verification result is passed, the settlement processing terminal sends a settlement processing request corresponding to the payment request to the settlement institution terminal to obtain the transaction result fed back by the settlement institution terminal.

[0076] If the verification result is passed, the settlement processing terminal sends a settlement processing request corresponding to the payment request to the settlement institution terminal to obtain the transaction result fed back by the settlement institution terminal. If the verification result is passed, the settlement processing terminal sends a settlement processing request corresponding to the payment request to the settlement institution terminal, and the settlement institution terminal completes the settlement operation of the corresponding payment amount. The actual settlement processing here is performed in the settlement institution terminal. Only the settlement institution terminal can transfer the amount in different accounts, and the amount in the payment card is transferred to the account corresponding to the merchant terminal. The transaction result includes the transaction amount, as well as prompt information of transaction success or transaction failure.

[0077] The settlement processing terminal updates the comparison binding information (that is, a set of label binding information corresponding to the decryption sequence) according to the received transaction result. Specifically, the remaining amount of the comparison binding information can be updated according to the transaction result; and then the locked label binding information is unlocked.

[0078] In another embodiment, after step S170, it further includes: if the verification result is not passed, synchronously sending a prompt message of payment failure to the payment terminal and the merchant terminal. If the verification result is not passed, the settlement processing terminal synchronously sends a prompt message of payment failure to the payment terminal and the merchant terminal.

[0079] S190: The settlement processing terminal synchronously sends the transaction result to the payment terminal and the merchant terminal.

[0080] The settlement processing terminal sends the transaction result to the payment terminal and the merchant terminal synchronously. The settlement processing terminal then sends the transaction result to the payment terminal and the merchant terminal synchronously, thereby completing the payment.

[0081] In the payment method based on dynamic payment code generation disclosed in the above embodiment, the method includes: the mobile terminal wakes up the installation-free application when receiving the tag information, generates the corresponding tag binding information through the installation-free application and sends it to the settlement terminal, and the settlement processing terminal receives the tag binding information and stores it; generates a dynamic payment code through the installation-free application, and the merchant terminal receives the payment code information and generates a corresponding payment request and sends it to the settlement processing terminal, and the settlement processing terminal verifies the payment request. If the verification result is passed, the settlement processing request corresponding to the payment request is sent to the settlement institution terminal to obtain the transaction result, and the transaction result is sent to the payment terminal and the merchant terminal simultaneously. The above payment method obtains the tag information of the payment card to generate a dynamic payment code to quickly complete the payment operation, which can simplify the payment process, shorten the payment link, and thus improve payment efficiency.

[0082] The embodiment of the present invention also provides a payment system based on dynamic payment code generation, the payment system includes a payment terminal, a merchant terminal and a settlement processing terminal, the merchant terminal and the payment terminal are respectively connected to the settlement processing terminal for communication to achieve data information transmission, the payment system based on dynamic payment code generation is used to execute any embodiment of the above-mentioned payment method based on dynamic payment code generation. Specifically, please refer to Figure 3 , Figure 3 A schematic block diagram of a payment system based on dynamic payment code generation provided in an embodiment of the present invention.

[0083] like Figure 3 As shown, the payment system 100 based on dynamic payment code generation includes an application wake-up unit 101, a dynamic payment code generation unit 102 and a tag binding information sending unit 103 configured in the payment terminal 10, a storage unit 301, a payment request verification unit 302, a settlement processing request sending unit 303 and a synchronization sending unit 304 configured in the settlement processing terminal 30, and a payment request generation unit 201 and a payment request sending unit 202 configured in the merchant terminal 20.

[0084] The application awakening unit 101 is used to awaken the installation-free application according to the tag information if the tag information input is received; the tag information includes NFC tag information obtained by identifying the NFC tag in the payment card.

[0085] The tag binding information sending unit 103 is used for the installation-free application in the payment terminal to generate tag binding information corresponding to the tag information and send it to the settlement processing terminal.

[0086] The storage unit 301 is used to receive and store the tag binding information.

[0087] The dynamic payment code generating unit 102 is used for the installation-free application in the payment terminal to generate a dynamic payment code corresponding to the payment terminal and the tag information according to a preset barcode generation rule.

[0088] The payment request generating unit 201 is used to generate a payment request corresponding to the payment code information, the merchant terminal and the payment amount according to a preset request generating rule if payment code information corresponding to the dynamic payment code is received; the payment code information is obtained by the merchant terminal scanning the dynamic payment code.

[0089] The payment request sending unit 202 is used to send the payment request to the settlement processing terminal.

[0090] The payment request verification unit 302 is used to verify the payment request according to preset verification rules and stored tag binding information to obtain a verification result of whether it passes.

[0091] The settlement processing request sending unit 303 is used to send a settlement processing request corresponding to the payment request to a settlement institution terminal if the verification result is passed, so as to obtain a transaction result fed back by the settlement institution terminal.

[0092] The synchronous sending unit 304 is used to synchronously send the transaction result to the payment terminal and the merchant terminal.

[0093] The payment system based on dynamic payment code generation provided in the embodiment of the present invention applies the above-mentioned payment method based on dynamic payment code generation. When the mobile terminal receives the tag information, it wakes up the installation-free application, generates the corresponding tag binding information through the installation-free application and sends it to the settlement terminal, and the settlement processing terminal receives the tag binding information and stores it; the dynamic payment code is generated by the installation-free application, and the merchant terminal receives the payment code information and generates the corresponding payment request and sends it to the settlement processing terminal. The settlement processing terminal verifies the payment request. If the verification result is passed, the settlement processing request corresponding to the payment request is sent to the settlement institution terminal to obtain the transaction result, and the transaction result is sent to the payment terminal and the merchant terminal simultaneously. The above-mentioned payment method obtains the tag information of the payment card to generate a dynamic payment code to quickly complete the payment operation, which can simplify the payment process, shorten the payment link, and thus improve the payment efficiency.

[0094] Each unit included in the payment system based on dynamic payment code generation can be implemented in the form of a computer program. The computer program can be implemented in Figure 4 Runs on the computer device shown.

[0095] See also Figure 4 , Figure 4 It is a schematic block diagram of a computer device provided in an embodiment of the present invention. The computer device may be a payment terminal, a merchant terminal or a settlement processing terminal for executing a payment method based on dynamic payment code generation to realize quick payment; that is, the payment terminal, the merchant terminal or the settlement processing terminal in the above-mentioned payment system may be implemented as the computer device. When the processor corresponding to the payment terminal executes the program stored in its memory, the processor corresponding to the merchant terminal executes the program stored in its memory, and the processor corresponding to the settlement processing terminal executes the program stored in its memory, the steps of the payment method based on dynamic payment code generation described in the above-mentioned embodiment are implemented.

[0096] See also Figure 4 The computer device 500 includes a processor 502 , a memory and a network interface 505 connected via a communication bus 501 , wherein the memory may include a storage medium 503 and an internal memory 504 .

[0097] The storage medium 503 may store an operating system 5031 and a computer program 5032. When the computer program 5032 is executed, the processor 502 may execute a payment method generated based on a dynamic payment code, wherein the storage medium 503 may be a volatile storage medium or a non-volatile storage medium.

[0098] The processor 502 is used to provide computing and control capabilities to support the operation of the entire computer device 500 .

[0099] The internal memory 504 provides an environment for the operation of the computer program 5032 in the storage medium 503. When the computer program 5032 is executed by the processor 502, the processor 502 can execute a payment method generated based on a dynamic payment code.

[0100] The network interface 505 is used for network communication, such as providing data information transmission, etc. Those skilled in the art will understand that Figure 4 The structure shown in the figure is only a block diagram of a part of the structure related to the solution of the present invention, and does not constitute a limitation on the computer device 500 to which the solution of the present invention is applied. The specific computer device 500 may include more or fewer components than those shown in the figure, or combine certain components, or have a different arrangement of components.

[0101] The processor 502 is used to run the computer program 5032 stored in the memory to implement the corresponding functions in the above-mentioned payment method based on dynamic payment code generation.

[0102] Those skilled in the art will understand that Figure 4 The embodiments of the computer device shown in the figure do not constitute a limitation on the specific composition of the computer device. In other embodiments, the computer device may include more or fewer components than shown in the figure, or combine certain components, or arrange the components differently. For example, in some embodiments, the computer device may only include a memory and a processor. In such embodiments, the structure and function of the memory and the processor are the same as those of the embodiment of the present invention. Figure 4 The embodiments shown are consistent and will not be described again here.

[0103] It should be understood that in the embodiment of the present invention, the processor 502 may be a central processing unit (CPU), and the processor 502 may also be other general-purpose processors, digital signal processors (DSP), application-specific integrated circuits (ASIC), field-programmable gate arrays (FPGA) or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, etc. Among them, the general-purpose processor may be a microprocessor or the processor may also be any conventional processor, etc.

[0104] In another embodiment of the present invention, a computer-readable storage medium is provided. The computer-readable storage medium may be a volatile or non-volatile computer-readable storage medium. The computer-readable storage medium stores a computer program, wherein when the computer program is executed by a processor, the steps included in the payment method based on dynamic payment code generation are implemented.

[0105] Those skilled in the art can clearly understand that, for the convenience and simplicity of description, the specific working process of the above-described equipment, devices and units can refer to the corresponding process in the aforementioned method embodiment, and will not be repeated here. Those of ordinary skill in the art can appreciate that the units and algorithm steps of each example described in conjunction with the embodiments disclosed herein can be implemented with electronic hardware, computer software or a combination of the two. In order to clearly illustrate the interchangeability of hardware and software, the composition and steps of each example have been generally described in the above description according to the function. Whether these functions are executed in hardware or software depends on the specific application and design constraints of the technical solution. Professional and technical personnel can use different methods to implement the described functions for each specific application, but such implementation should not be considered to exceed the scope of the present invention.

[0106] In the several embodiments provided by the present invention, it should be understood that the disclosed equipment, devices and methods can be implemented in other ways. For example, the device embodiments described above are only schematic. For example, the division of the units is only a logical function division. There may be other division methods in actual implementation. Units with the same function may also be combined into one unit. For example, multiple units or components may be combined or integrated into another system, or some features may be ignored or not executed. In addition, the mutual coupling or direct coupling or communication connection shown or discussed may be an indirect coupling or communication connection through some interfaces, devices or units, or may be an electrical, mechanical or other form of connection.

[0107] The units described as separate components may or may not be physically separated, and the components shown as units may or may not be physical units, that is, they may be located in one place or distributed on multiple network units. Some or all of the units may be selected according to actual needs to achieve the purpose of the embodiments of the present invention.

[0108] In addition, each functional unit in each embodiment of the present invention may be integrated into one processing unit, or each unit may exist physically separately, or two or more units may be integrated into one unit. The above-mentioned integrated unit may be implemented in the form of hardware or in the form of software functional units.

[0109] If the integrated unit is implemented in the form of a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of the present invention is essentially or the part that contributes to the prior art, or all or part of the technical solution can be embodied in the form of a software product, and the computer software product is stored in a computer-readable storage medium, including a number of instructions for a computer device (which can be a personal computer, a server, or a network device, etc.) to perform all or part of the steps of the method described in each embodiment of the present invention. The aforementioned computer-readable storage medium includes: various media that can store program codes, such as a USB flash drive, a mobile hard disk, a read-only memory (ROM, Read-Only Memory), a magnetic disk or an optical disk.

[0110] The above is only a specific embodiment of the present invention, but the protection scope of the present invention is not limited thereto. Any technician familiar with the technical field can easily think of various equivalent modifications or replacements within the technical scope disclosed by the present invention, and these modifications or replacements should be included in the protection scope of the present invention. Therefore, the protection scope of the present invention shall be based on the protection scope of the claims.

Claims

1. A payment method based on dynamic payment code generation, characterized in that: The method is applied to a payment system, wherein the payment system includes a payment terminal, a merchant terminal and a settlement processing terminal, wherein the merchant terminal is connected to the settlement processing terminal for communication to achieve data information transmission, and the method includes: If the payment terminal receives the input tag information, it wakes up the installation-free application according to the tag information; the tag information includes NFC tag information obtained by identifying the NFC tag in the payment card; The installation-free application in the payment terminal generates label binding information corresponding to the label information and sends it to the settlement processing terminal; the label binding information includes terminal identification information of the payment terminal and the label information; The settlement processing terminal receives and stores the tag binding information; The installation-free application in the payment terminal generates a dynamic payment code corresponding to the payment terminal and the label information according to a preset barcode generation rule; If the merchant terminal receives the payment code information corresponding to the dynamic payment code, a payment request corresponding to the payment code information, the merchant terminal and the payment amount is generated according to a preset request generation rule; the payment code information is obtained by the merchant terminal scanning the dynamic payment code; The merchant terminal sends the payment request to the settlement processing terminal; The settlement processing terminal verifies the payment request according to the preset verification rules and the stored tag binding information, and obtains a verification result indicating whether the payment request passes. If the verification result is passed, the settlement processing terminal sends a settlement processing request corresponding to the payment request to the settlement institution terminal to obtain the transaction result fed back by the settlement institution terminal; The settlement processing terminal sends the transaction result to the payment terminal and the merchant terminal simultaneously.

2. The payment method based on dynamic payment code generation according to claim 1, characterized in that: The generating a dynamic payment code corresponding to the payment terminal and the label information according to a preset barcode generation rule includes: Parsing the NFC tag information in the tag information to obtain corresponding token information; Determine the corresponding effective deadline according to the current time and the effective duration in the barcode generation rule; Combining the terminal identification information of the payment terminal, the token information and the effective expiration time to obtain a corresponding dynamic sequence; A dynamic payment code corresponding to the dynamic sequence is generated according to the payment code template in the barcode generation rule.

3. The payment method based on dynamic payment code generation according to claim 1, characterized in that: The label information also includes a payment card number, and the generating of a dynamic payment code corresponding to the payment terminal and the label information according to a preset barcode generation rule includes: Parsing the NFC tag information in the tag information to obtain corresponding token information; Verify whether the payment card number matches the token information according to a preset information verification rule, and obtain a corresponding information verification result; If the information verification result is a match, the corresponding effective expiration time is determined according to the current time and the effective duration in the barcode generation rule; Combining the terminal identification information of the payment terminal, the token information, the payment card number and the effective expiration time to obtain a corresponding dynamic sequence; A dynamic payment code corresponding to the dynamic sequence is generated according to the payment code template in the barcode generation rule.

4. The payment method based on dynamic payment code generation according to claim 2 or 3, characterized in that: The generating of the tag binding information corresponding to the tag information and sending the generated tag binding information to the settlement processing terminal includes: Acquire the terminal identification information of the payment terminal and bind it with the label information to generate corresponding label binding information; The tag binding information is sent to the settlement processing terminal.

5. The payment method based on dynamic payment code generation according to claim 1, characterized in that: The generating, according to a preset request generation rule, a payment request corresponding to the payment code information, the merchant terminal and the payment amount comprises: Acquire merchant identification information corresponding to the merchant terminal; Combining the payment code information, the merchant identification information and the payment amount to obtain a corresponding combination sequence; The combination sequence is encrypted according to the encryption strategy in the request generation rule and the merchant identification information to generate corresponding encrypted information as the payment request.

6. The payment method based on dynamic payment code generation according to claim 1, characterized in that: The step of verifying the payment request according to the preset verification rules and the stored tag binding information to obtain a verification result of whether the payment request passes or not includes: Obtaining merchant identification information corresponding to the sending address of the payment request; Decrypting the payment request according to the decryption strategy in the verification rule and the merchant identification information to obtain a corresponding decryption sequence; Determine whether the merchant identification information corresponds to the decryption sequence to obtain a first determination result; Determine whether the current time has not reached the effective deadline in the decryption sequence, and obtain a second determination result; Determining whether the decryption sequence matches a set of stored tag binding information to obtain a third determination result; determining whether the payment amount in the decrypted sequence does not exceed the remaining amount of the payment card corresponding to the decrypted sequence, to obtain a fourth determination result; If the four sets of judgment results are all yes, the verification result of passing the verification is obtained; If one of the groups of judgment results is negative, a verification result indicating that the verification failed is obtained.

7. The payment method based on dynamic payment code generation according to claim 1 or 6, characterized in that: After verifying the payment request according to the stored tag binding information and obtaining a verification result of whether the payment request passes, the method further includes: If the verification result is failure, a prompt message of payment failure is sent to the payment terminal and the merchant terminal simultaneously.

8. A payment system based on dynamic payment code generation, characterized in that: The payment system comprises a payment terminal, a merchant terminal and a settlement processing terminal, the merchant terminal and the payment terminal are respectively connected to the settlement processing terminal for communication to achieve data information transmission, the payment system is used to execute the payment method based on dynamic payment code generation as described in any one of claims 1 to 7, the payment system comprises an application wake-up unit, a dynamic payment code generation unit and a tag binding information sending unit configured in the payment terminal, a storage unit, a payment request verification unit, a settlement processing request sending unit and a synchronization sending unit configured in the settlement processing terminal, and a payment request generation unit and a payment request sending unit configured in the merchant terminal; The application awakening unit is configured to awaken the installation-free application according to the tag information if the tag information input is received; the tag information includes NFC tag information obtained by identifying the NFC tag in the payment card; The tag binding information sending unit is used for the installation-free application in the payment terminal to generate tag binding information corresponding to the tag information and send it to the settlement processing terminal; The tag binding information includes the terminal identification information of the payment terminal and the tag information; The storage unit is used to receive and store the tag binding information; The dynamic payment code generation unit is used for the installation-free application in the payment terminal to generate a dynamic payment code corresponding to the payment terminal and the tag information according to a preset barcode generation rule; The label binding information sending unit is used to generate label binding information corresponding to the label information and send it to the settlement processing terminal; The storage unit is used to receive and store the tag binding information; The payment request generating unit is configured to generate a payment request corresponding to the payment code information, the merchant terminal and the payment amount according to a preset request generating rule upon receiving the payment code information corresponding to the dynamic payment code; the payment code information is obtained by the merchant terminal scanning the dynamic payment code; The payment request sending unit is used to send the payment request to the settlement processing terminal; The payment request verification unit is used to verify the payment request according to the preset verification rules and the stored tag binding information to obtain a verification result of whether it passes or not; The settlement processing request sending unit is used to send a settlement processing request corresponding to the payment request to a settlement institution terminal if the verification result is passed, so as to obtain a transaction result fed back by the settlement institution terminal; The synchronous sending unit is used to synchronously send the transaction result to the payment terminal and the merchant terminal.

9. A computer device, characterized in that: The payment terminal, merchant terminal or settlement processing terminal in the payment system can be implemented as the computer device, which includes a processor, a network interface, a memory and a communication bus, wherein the processor, the network interface and the memory communicate with each other through the communication bus; Memory, used to store computer programs; A processor, configured to execute a program stored in the memory; When the processors corresponding to the payment terminal, the merchant terminal and the settlement processing terminal respectively execute the program stored in the memory at the same time, the steps of the payment method based on dynamic payment code generation described in any one of claims 1 to 7 are implemented.

10. A computer-readable storage medium having a computer program stored thereon, characterized in that: When the computer program is executed by a processor, the steps of the payment method based on dynamic payment code generation as described in any one of claims 1 to 7 are implemented.

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