WeChat code scanning payment method

Abstract

The invention provides a WeChat code scanning payment method which is characterized by comprising the following steps: by adding an identity label, a server does not need to wait for uplink and downlink request responses of the identity label, and the response time is shortened.

Description

Technical Field

[0001] The present invention mainly relates to the technical field of mobile payment, and specifically to a WeChat code scanning payment method. Background Art

[0002] Scan code to pay is a common payment method in life.

[0003] Generally, when launching WeChat payment, the client will log in and get the authorization code to exchange for the user identity, which is a parameter that must be transmitted for WeChat payment. After obtaining the user identity, the payment parameters are obtained from the server to initiate the payment. However, when dealing with the situation where payment is required immediately after WeChat login, the server fails to return the user identity and other information in time, resulting in WeChat payment failure or a long retry waiting time. Summary of the invention

[0004] The present invention mainly provides a WeChat code scanning payment method to solve the technical problems raised in the above background technology.

[0005] The technical solution adopted by the present invention to solve the above technical problems is:

[0006] A WeChat code scanning payment method

[0007] It is characterized by comprising the following steps:

[0008] Furthermore, in step one, when the user (1) uses the payment program for the first time or performs initial configuration, the client generates a unique identity through an algorithm; the algorithm is generated based on a combination of some hardware features of the device, some configuration information of the application itself, and possible random factors.

[0009] Furthermore, in the step 1, after the user terminal (1) generates a user identity identifier, the user terminal (1) sends the user identity identifier to the server terminal (2) for registration; after the server terminal (2) receives the user identity identifier, the server terminal (2) stores it in a database and associates and binds it with relevant information such as a corresponding user account or application usage record.

[0010] Furthermore, the user end (1) includes a WeChat unit (11) and a client unit (12) that are connected to each other. In step 2, at the moment when the client unit (12) is ready to initiate payment, the WeChat unit (11) carries a pre-set user identity in a request message or a request parameter and sends it to the server end (2) in the interaction related to the payment request.

[0011] Furthermore, in step 3, after receiving the request with the user identification from the client, the server (2) searches its own database to find out whether the user identification exists and is in a legal and valid state.

[0012] Furthermore, the user terminal (1) regenerates a new user identity at regular intervals and updates it to the server (2) synchronously, while disassociating the old user identity.

[0013] Furthermore, in step three, if the server (2) cannot find the corresponding user identity or has problems verifying its legitimacy, a fallback mechanism is set to allow the client to perform payment operations again based on the authorization payment process of the user's unique identifier.

[0014] Furthermore, the client's authorization payment process based on the user's unique identifier includes: a login operation is initiated by the client unit (12), the WeChat unit (11) returns an authorization code to the client unit (12) after authorization, the client unit (12) carries the authorization code to exchange for the user's unique identifier from the server (2), the server (2) verifies the authorization code and returns the user's unique identifier to the client unit (12), the client unit (12) carries the user's unique identifier to request payment parameters from the server (2), the server (2) verifies the user's unique identifier and generates payment parameters and returns them to the client unit (12), and WeChat payment is performed through the client unit (12).

[0015] Furthermore, the server (2) continuously records the user's payment behavior data and establishes the user's payment behavior model by analyzing the data. When the user initiates a new payment request, the server (2) can determine whether the payment is consistent with the user's historical behavior pattern based on the behavior model.

[0016] Further.

[0017] Compared with the prior art, the present invention has the following beneficial effects:

[0018] The present invention adds an identity identifier, so that the client and the server can reach a legal identification through the identity identifier. The server does not need to wait for the uplink and downlink request responses of the identity identifier. The user can initiate WeChat payment immediately when entering WeChat, which greatly improves the response time.

[0019] The present invention will be explained in detail below with reference to the accompanying drawings and specific embodiments. BRIEF DESCRIPTION OF THE DRAWINGS

[0020] Figure 1 The process of the present invention Figure 1 ;

[0021] Figure 2 The process of the present invention Figure 2 .

[0022] In the figure: 1. User end; 11. WeChat unit; 12. Client unit; 2. Server end. DETAILED DESCRIPTION

[0023] To facilitate understanding of the present invention, the present invention will be described more comprehensively below with reference to the relevant drawings. Several embodiments of the present invention are given in the drawings, but the present invention can be implemented in different forms and is not limited to the embodiments described in the text. On the contrary, these embodiments are provided to make the content disclosed in the present invention more thorough and comprehensive.

[0024] It should be noted that when an element is referred to as being "fixed on" another element, it may be directly on the other element or there may be a central element. When an element is considered to be "connected to" another element, it may be directly connected to the other element or there may be a central element at the same time. The terms "vertical", "horizontal", "left", "right" and similar expressions used in this article are for illustrative purposes only.

[0025] Unless otherwise defined, all technical and scientific terms used herein have the same meaning as commonly connected by technicians in the technical field to which the present invention belongs. The terminology used in the specification of the present invention is for the purpose of describing specific embodiments and is not intended to limit the present invention. The term "and / or" used herein includes any and all combinations of one or more related listed items.

[0026] The present application embodiment provides a WeChat code scanning payment method. The schematic diagram of the WeChat code scanning payment method is as follows: Figure 1-2 WeChat QR code payment method

[0027] It is characterized by comprising the following steps:

[0028] Optional, please refer to the attached Figure 1 In step 1, when the user (1) uses the payment program for the first time or performs initial configuration, the client generates a unique identity through an algorithm; the algorithm is generated based on a combination of some hardware features of the device, some configuration information of the application itself, and possible random factors.

[0029] Optional, please refer to the attached Figure 1 In the step 1, after the user terminal (1) generates a user identity identifier, the user terminal (1) sends the user identity identifier to the server terminal (2) for registration; after the server terminal (2) receives the user identity identifier, the server terminal (2) stores it in a database and associates and binds it with relevant information such as a corresponding user account or application usage record.

[0030] Optional, please refer to the attached Figure 1The user end (1) includes a WeChat unit (11) and a client unit (12) that are connected to each other. In step 2, at the moment when the client unit (12) is ready to initiate payment, the WeChat unit (11) carries a pre-set user identity in a request message or a request parameter and sends it to the server (2) in the interaction related to the payment request.

[0031] Optional, please refer to the attached Figure 1 In step three, after receiving the request from the client with the user identity, the server (2) searches its own database to find out whether the user identity exists and is in a legal and valid state.

[0032] Optionally, please refer to the attached figure, the user terminal (1) regenerates a new user identity at regular intervals, and updates it synchronously to the server (2), while disassociating the old user identity.

[0033] Optional, please refer to the attached Figure 1 In step three, if the server (2) cannot find the corresponding user identity or has problems verifying its legitimacy, a fallback mechanism is set to allow the client to perform payment operations again based on the authorization payment process of the user's unique identifier.

[0034] Optional, please refer to the attached Figure 2 The authorization payment process based on the user unique identifier of the client includes: the client unit (12) initiates a login operation, the WeChat unit (11) returns an authorization code to the client unit (12) after authorization, the client unit (12) carries the authorization code to exchange for the user unique identifier from the server (2), the server (2) verifies the authorization code and returns the user unique identifier to the client unit (12), the client unit (12) carries the user unique identifier to request payment parameters from the server (2), the server (2) verifies the user unique identifier and generates payment parameters and returns them to the client unit (12), and WeChat payment is performed through the client unit (12).

[0035] Optional, please refer to the attached Figure 2 The server (2) continuously records the user's payment behavior data and establishes the user's payment behavior model by analyzing the data. When the user initiates a new payment request, the server (2) can determine whether the payment is consistent with the user's historical behavior pattern based on the behavior model.

[0036] Optional, please refer to the attached Figure 2

[0037] The above is an exemplary description of the present invention in combination with the accompanying drawings. It is obvious that the specific implementation of the present invention is not limited to the above-mentioned method. As long as such non-substantial improvements are made by adopting the method concept and technical solution of the present invention, or the concept and technical solution of the present invention are directly applied to other occasions without improvement, they are all within the protection scope of the present invention.

Claims

1. A WeChat code scanning payment method, characterized in that: The following steps are involved: Step 1: The user terminal (1) generates and sets a user identity, and sends the user identity to the server terminal (2) for registration; Step 2: The user terminal (1) initiates a payment request and carries a preset user identity in the payment request; Step 3, the server (2) verifies the user identity sent by the client (1); Step 4: After the server (2) determines that the user terminal (1) is legitimate based on the user identity identifier, it interacts with the user terminal (1) to perform WeChat payment.

2. The WeChat code scanning payment method according to claim 1, characterized in that: In step one, when the user (1) uses the payment program for the first time or performs initial configuration, the client generates a unique identity through an algorithm; the algorithm is generated based on a combination of some hardware features of the device, some configuration information of the application itself, and possible random factors.

3. The WeChat code scanning payment method according to claim 1, characterized in that: In the step 1, after the user terminal (1) generates a user identity identifier, the user terminal (1) sends the user identity identifier to the server (2) for registration; After receiving the user identity, the server (2) stores it in a database and associates it with the corresponding user account or application usage records and other related information.

4. The WeChat code scanning payment method according to claim 1, characterized in that: The user end (1) includes a WeChat unit (11) and a client unit (12) that are connected to each other. In step 2, at the moment when the client unit (12) is ready to initiate payment, the WeChat unit (11) carries a pre-set user identity in a request message or a request parameter and sends it to the server end (2) in the interaction related to the payment request.

5. The WeChat code scanning payment method according to claim 1, characterized in that: In step three, after receiving the request from the client with the user identity, the server (2) searches its own database to find out whether the user identity exists and is in a legal and valid state.

6. The WeChat code scanning payment method according to claim 1, characterized in that: The user terminal (1) regenerates a new user identity at regular intervals and updates it to the server (2) synchronously, while disassociating the old user identity.

7. The WeChat code scanning payment method according to claim 1, characterized in that: In step three, if the server (2) cannot find the corresponding user identity or has problems verifying its legitimacy, a fallback mechanism is set to allow the client to perform payment operations again based on the authorization payment process of the user's unique identifier.

8. The WeChat code scanning payment method according to claim 1, characterized in that: The client's authorization payment process based on the user's unique identification includes: a login operation is initiated by a client unit (12), the WeChat unit (11) returns an authorization code to the client unit (12) after authorization, the client unit (12) carries the authorization code to exchange for the user's unique identification from a server (2), the server (2) verifies the authorization code and returns the user's unique identification to the client unit (12), the client unit (12) carries the user's unique identification to request payment parameters from the server (2), the server (2) verifies the user's unique identification and generates payment parameters and returns them to the client unit (12), and WeChat payment is performed through the client unit (12).

9. The WeChat code scanning payment method according to claim 1, characterized in that: The server (2) continuously records the user's payment behavior data and establishes the user's payment behavior model by analyzing the data. When the user initiates a new payment request, the server (2) can determine whether the payment is consistent with the user's historical behavior pattern based on the behavior model.

10. The WeChat code scanning payment method according to claim 1, characterized in that: The server (2) determines that the payment behavior is consistent with the historical pattern and has a low risk level. The server (2) quickly completes the payment authorization based on the user identity, thereby simplifying the payment process.

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