Multi-payment institution bar code payment method and system

By calculating the four-dimensional space-time coordinates and photon regulation of the optical enhancement field through gravitational field data, a non-local quantum signature is generated, which solves the problems of quantum attacks and unstable geographic fence judgment in the collaborative scenario of multiple payment institutions, and achieves high-precision payment routing decisions and security.

CN120782437APending Publication Date: 2025-10-14HANGZHOU CITIZEN CARD PAYMENT CO LTD
View PDF 0 Cites 0 Cited by

Patent Information

Application Number
CN202510877643.2
Authority / Receiving Office
CN · China
Patent Type
Applications(China)
Current Assignee / Owner
Filing Date
2025-06-27
Publication Date
2025-10-14

AI Technical Summary

Technical Problem

Existing barcode payment technology is not resistant to quantum attacks when faced with collaborative scenarios involving multiple payment institutions, and its geographic fence judgment is unstable, affecting the accuracy and security of payment routing decisions.

Method used

By collecting gravitational field data and using the Kaluza-Klein five-dimensional field equation to calculate the user's four-dimensional space-time coordinates, the plasma resonance wavelength locking of the SPP metamaterial layer is triggered, an optical enhancement field is established, a non-local quantum signature is generated, and quantum encryption and fund transfer are achieved through quantum entangled photon pair scanning combined with Riemannian manifold curvature matching.

Benefits of technology

It achieves high-precision space-time positioning and photon control, builds a digital signature mechanism that is resistant to quantum attacks, and improves the stability and security of payment fence boundary judgment.

✦ Generated by Eureka AI based on patent content.

Smart Images

  • Figure CN120782437A_ABST
    Figure CN120782437A_ABST
Patent Text Reader

Abstract

The invention discloses a bar code payment method and system for multiple payment institutions, and relates to the technical field of quantum financial security, and the method comprises the steps: collecting gravitational field data, calculating a four-dimensional space-time coordinate of a user through a Carrousel-Claien five-dimensional field equation, triggering the plasma resonance wavelength locking of an SPP metamaterial layer, and building an optical enhancement field; performing quantum entanglement photon pair scanning by using an optical enhancement field, decoding a payment institution routing parameter set through a Bell inequality violation value, and generating a non-localized quantum signature; performing Riemannian manifold curvature matching on the four-dimensional space-time coordinate and a geographical fence boundary of the payment institution, and when the four-dimensional space-time coordinate is within a fence boundary threshold, triggering a target payment institution screening instruction and binding a non-localized quantum signature; according to the method, the four-dimensional space-time coordinates of the user are calculated by collecting the gravitational field data and applying the Carrouba-Claien five-dimensional field equation, so that high-precision space-time positioning and photon regulation are realized.
Need to check novelty before this filing date? Find Prior Art

Description

Technical Field

[0001] The present invention relates to the field of quantum financial security technology, and in particular to a multi-payment institution barcode payment method and system. Background Art

[0002] With the rapid development of the digital economy, barcode payment, as a key form of mobile payment, has gained widespread adoption in various sectors, including retail, transportation, and public services. Early barcode payment systems relied primarily on the centralized architecture of a single payment institution (such as Alipay and WeChat Pay), with users completing payments by scanning static or dynamic QR codes. This model initially addressed the high deployment costs of traditional POS terminals and promoted the development of a cashless society.

[0003] Existing barcode payment technology faces two core problems when facing the collaborative scenario of multiple payment institutions: first, there is a lack of a non-local digital signature mechanism with quantum-resistant properties, which makes it difficult to meet the requirements of future payment processes in terms of high security and resistance to quantum attacks; second, the instability of traditional GPS-based geographic positioning methods in judging the boundaries of payment fences, affecting the accuracy and security of payment routing decisions. Summary of the Invention

[0004] In view of the above existing problems, the present invention is proposed.

[0005] Therefore, the present invention provides a multi-payment institution barcode payment method to solve the problems of insufficient quantum security and unstable geo-fence judgment in the prior art.

[0006] In order to solve the above technical problems, the present invention provides the following technical solutions:

[0007] In a first aspect, the present invention provides a multi-payment institution barcode payment method, which includes collecting gravitational field data, calculating the user's four-dimensional space-time coordinates through the Kaluza-Klein five-dimensional field equation, and simultaneously triggering the plasma resonance wavelength locking of the SPP metamaterial layer to establish an optical enhancement field; using the optical enhancement field to scan quantum entangled photon pairs, decoding the payment institution routing parameter set through the Bell inequality violation value, and generating a non-local quantum signature; matching the four-dimensional space-time coordinates with the geographic fence boundary of the payment institution by Riemann manifold curvature, when the four-dimensional space-time coordinates are within the fence boundary threshold, triggering the target payment institution to screen instructions and bind the non-local quantum signature; based on the target payment institution screening instructions, using the target institution's quantum public key to perform Bell basis encryption on the payment amount and the bound non-local quantum signature, generating a quantum state ciphertext and sending it through a directional communication link; after receiving the quantum state ciphertext, the target institution decrypts and extracts the non-local quantum signature, and verifies the quantum entropy correlation between the four-dimensional space-time coordinates and the non-local quantum signature, and executes the atomic transfer of funds after the verification is passed.

[0008] As a preferred solution of the multi-payment institution barcode payment method of the present invention, wherein: the said collecting gravitational field data and calculating the absolute coordinates of the user in three-dimensional space by the Kaluza-Klein five-dimensional field equation are specifically performed as follows:

[0009] Collect gravitational field data, construct the spatial distribution characteristics of the gravitational field through the orthogonal matching pursuit algorithm, and generate the gravitational gradient tensor;

[0010] The gravitational gradient tensor is input into the Kaluza-Klein five-dimensional field equations to calculate the user's four-dimensional spacetime coordinates.

[0011] As a preferred solution of the multi-payment institution barcode payment method of the present invention, wherein: the simultaneous triggering of the plasma resonance wavelength locking of the SPP metamaterial layer to establish the optical enhancement field is carried out in the following specific steps:

[0012] Calculate the atmospheric refractive index correction value based on the user's four-dimensional space-time coordinates;

[0013] Dynamically determine the target resonance wavelength based on the atmospheric refractive index correction value, triggering the plasma resonance wavelength locking of the SPP metamaterial layer;

[0014] Based on the locked plasma resonance wavelength, plasmons in the nanocolumn array are excited to construct an optical enhancement field.

[0015] As a preferred solution of the multi-payment institution barcode payment method of the present invention, wherein: the specific steps of generating a non-local quantum signature are as follows:

[0016] A quantum vortex lattice topological carrier is generated under the action of an optically enhanced field, and the payment institution routing parameter set is encoded in the topologically ordered anyon state;

[0017] Perform three-dimensional Bell basis joint measurements on quantum vortex lattice topological carriers and calculate the violation of Bell inequality;

[0018] When the violation value of the Bell inequality exceeds the quantum decision threshold, the payment institution routing parameter set is decoded;

[0019] Based on the decoded payment institution routing parameter set, a hyperbolic space lattice is constructed in combination with the Berry phase to generate a non-local quantum signature.

[0020] As a preferred solution of the multi-payment institution barcode payment method of the present invention, wherein: the four-dimensional space-time coordinates are matched with the geographical fence boundary of the payment institution by Riemannian manifold curvature. When the four-dimensional space-time coordinates are within the fence boundary threshold, the target payment institution is triggered to screen the instruction and bind the non-local quantum signature. The specific steps are as follows:

[0021] Based on the geographical fence boundary of the payment institution, the dynamic Riemann curvature tensor field is constructed in combination with the gravitational gradient tensor;

[0022] The four-dimensional spacetime coordinates are input into the dynamic Riemann curvature tensor field, and the quantum-Riemann curvature matching degree is calculated by topological quantum Brillouin zone integration;

[0023] When the quantum-Riemann curvature matching degree exceeds the quantum adaptive threshold and the four-dimensional space-time coordinates are within the fence boundary threshold, the target payment institution screening instruction is triggered;

[0024] The nonlocal quantum signature and quantum-Riemann curvature matching degree are quantum-entangled and bound through a controlled rotation gate.

[0025] As a preferred solution of the multi-payment institution barcode payment method of the present invention, wherein: the target payment institution is based on the screening instruction, the payment amount and the bound non-local quantum signature are Bell-based encrypted using the target institution's quantum public key, and the quantum state ciphertext is generated and sent via a directional communication link. The specific steps are as follows:

[0026] Based on the target payment institution’s screening instructions, the quantum public key tensor network of the target payment institution is dynamically constructed;

[0027] The quantum public key tensor network drives the payment amount and the bound non-local quantum signature to perform hypergraph fusion, and simultaneously performs Bell basis tensor integral encryption to generate quantum state ciphertext;

[0028] Quantum state ciphertext is sent through a quantum-classical hybrid directional communication link, and the Chern-Simons topological field is injected for real-time error correction to generate error-corrected quantum state ciphertext.

[0029] As a preferred solution of the multi-payment institution barcode payment method of the present invention, after receiving the quantum state ciphertext, the target institution decrypts and extracts the non-local quantum signature, and verifies the quantum entropy correlation between the four-dimensional space-time coordinates and the non-local quantum signature. After the verification is passed, the atomic transfer of funds is executed. The specific steps are as follows:

[0030] After receiving the error-corrected quantum state ciphertext, the target organization performs conformal field theory decryption to extract the non-local quantum signature;

[0031] The extracted non-local quantum signature and the four-dimensional space-time coordinates are input into the entangled state analyzer to obtain the quantum entropy correlation value between the two;

[0032] When the quantum entropy correlation value reaches the preset verification standard, the atomic fund transfer instruction on the quantum financial bus is triggered;

[0033] Based on the atomic fund transfer instruction, payment is completed through quantum CNOT gate operation within the Planck time window.

[0034] In the second aspect, the present invention provides a multi-payment institution barcode payment system, including a gravitational positioning module, a quantum decoding module, a fence matching module, a quantum encryption module and an atomic settlement module. The gravitational positioning module is used to collect gravitational field data, calculate the user's four-dimensional space-time coordinates through the Kaluza-Klein five-dimensional field equation, and simultaneously trigger the plasma resonance wavelength locking of the SPP metamaterial layer to establish an optical enhancement field; the quantum decoding module is used to use the optical enhancement field to scan quantum entangled photon pairs, decode the payment institution routing parameter set through the Bell inequality violation value, and generate a non-local quantum signature; the fence matching module is used to convert the four-dimensional space-time coordinates into The Riemannian manifold curvature is matched with the geographic fence boundary of the payment institution. When the four-dimensional space-time coordinate is within the fence boundary threshold, the target payment institution is triggered to screen instructions and bind the non-local quantum signature; the quantum encryption module is used to screen instructions based on the target payment institution, use the target institution's quantum public key to perform Bell basis encryption on the payment amount and the bound non-local quantum signature, generate quantum state ciphertext and send it through a directional communication link; the atomic clearing module is used to decrypt and extract the non-local quantum signature after the target institution receives the quantum state ciphertext, and verify the quantum entropy correlation between the four-dimensional space-time coordinate and the non-local quantum signature. After the verification is passed, the atomic transfer of funds is executed.

[0035] In a third aspect, the present invention provides a computer device comprising a memory and a processor, wherein the memory stores a computer program, wherein: when the computer program is executed by the processor, any step of the multi-payment institution barcode payment method as described in the first aspect of the present invention is implemented.

[0036] In a fourth aspect, the present invention provides a computer-readable storage medium having a computer program stored thereon, wherein: when the computer program is executed by a processor, it implements any step of the multi-payment institution barcode payment method as described in the first aspect of the present invention.

[0037] The beneficial effects of the present invention are as follows: by collecting gravitational field data and applying the Kaluza-Klein five-dimensional field equation to calculate the user's four-dimensional space-time coordinates, high-precision space-time positioning and photon control are achieved, solving the problems of insufficient accuracy and susceptibility to interference of traditional GPS positioning, and achieving the beneficial effect of improving the stability of payment fence boundary judgment; further, by driving the scanning of quantum entangled photon pairs through optically enhanced fields, a digital signature mechanism resistant to quantum attacks is constructed, effectively solving the security failure problem of traditional PKI in quantum computing environments. BRIEF DESCRIPTION OF THE DRAWINGS

[0038] In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the following briefly introduces the drawings required for use in the description of the embodiments. Obviously, the drawings described below are only some embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying any creative work.

[0039] Figure 1 Flowchart of the barcode payment method for multiple payment institutions.

[0040] Figure 2 Flowchart established for gravitational positioning and optical enhancement fields.

[0041] Figure 3 Flowchart for generating non-local quantum signatures.

[0042] Figure 4 Flowchart for binding Riemannian manifold curvature matching to quantum signatures. DETAILED DESCRIPTION

[0043] In order to make the above-mentioned objects, features and advantages of the present invention more obvious and easy to understand, the specific embodiments of the present invention are described in detail below with reference to the accompanying drawings.

[0044] In the following description, many specific details are set forth to facilitate a full understanding of the present invention. However, the present invention may also be implemented in other ways different from those described herein. Those skilled in the art may make similar generalizations without violating the connotation of the present invention. Therefore, the present invention is not limited to the specific embodiments disclosed below.

[0045] Secondly, the term "one embodiment" or "embodiment" herein refers to a specific feature, structure, or characteristic that may be included in at least one implementation of the present invention. The phrase "in one embodiment" appearing in various places throughout this specification does not necessarily refer to the same embodiment, nor does it refer to a separate or selective embodiment that is mutually exclusive of other embodiments.

[0046] Reference Figures 1 to 4 , is an embodiment of the present invention, which provides a multi-payment institution barcode payment method, comprising the following steps:

[0047] S1: Collect gravitational field data and calculate the user's four-dimensional space-time coordinates through the Kaluza-Klein five-dimensional field equation. At the same time, it triggers the plasma resonance wavelength locking of the SPP metamaterial layer to establish an optical enhancement field.

[0048] S1.1: Collect gravitational field data, reconstruct the spatial distribution characteristics of the gravitational field through the orthogonal matching pursuit algorithm, and generate the gravitational gradient tensor.

[0049] It should be noted that the gravitational field data includes the gravitational field gradient tensor, the gravitational potential function value, the space-time curvature perturbation term and the fifth-dimensional curling effect parameters.

[0050] Furthermore, gravitational field data is collected using a quantum gravitational sensor array deployed in a three-dimensional orthogonal arrangement. Each quantum gravitational sensor node synchronously measures gravitational acceleration components and spacetime curvature perturbations. An orthogonal matching pursuit algorithm uses an overcomplete dictionary matrix to sparsely represent the multidimensional signal output by the quantum gravitational sensor array. The original signal is gradually reconstructed by iteratively selecting dictionary atoms and solving a least-squares problem. The overcomplete dictionary matrix is ​​constructed from standard Earth gravitational field basis functions and noise statistical characteristics. During the construction process, a nuclear norm constraint is imposed on the gravitational gradient tensor. This constraint is implemented through iterative singular value thresholding. The regularization parameter is dynamically adjusted during the iteration to balance reconstruction accuracy and sparsity. Noise reduction is achieved using a cascaded structure of wavelet transform and Wiener filtering. The wavelet transform decomposition scale is adaptively selected based on the frequency band characteristics of the gravitational field signal. The transfer function of the Wiener filter is directly determined by the ratio of the signal-to-noise power spectral density of the gravitational gradient tensor, which is extracted from the actual observation data and background noise, respectively. The resulting gravitational gradient tensor contains complete second-order derivative information.

[0051] The singular value threshold is obtained by performing singular value decomposition (SVD) on the gravitational gradient tensor, and singular values ​​smaller than the threshold are shrunk or set to zero during the iteration process to impose the nuclear norm constraint.

[0052] S1.2: Input the gravitational gradient tensor into the Kaluza-Klein five-dimensional field equation to calculate the user's four-dimensional spacetime coordinates. The expression is:

[0053]

[0054] Where x represents the user's east-west coordinate, y represents the user's north-south coordinate, z represents the user's vertical height coordinate, t represents the user's time coordinate, Λ represents the cosmological constant, i represents the row direction of the gravitational gradient tensor, j represents the column direction of the gravitational gradient tensor, and K 1,ij Represents the element in the i-th row and j-th column of the coupling coefficient matrix corresponding to the gravitational gradient tensor, F represents the spatial rate of change of the gravitational field in the direction i along the direction j, x Indicates the correction amount of the fifth dimension curling effect on the x-direction coordinate, K 2,ij represents the element in the i-th row and j-th column of the second-order coupling coefficient matrix corresponding to the gravitational gradient tensor, F y Indicates the correction amount of the fifth dimension curling effect on the y-direction coordinate, K 3,ijrepresents the element in the i-th row and j-th column of the third-order coupling coefficient matrix corresponding to the gravitational gradient tensor, c represents the speed of light in vacuum, K 0,ij represents the element in the i-th row and j-th column of the zero-order coupling coefficient matrix corresponding to the gravitational gradient tensor, τ represents the local precise time value measured by the built-in atomic clock of the user device, and F z Indicates the correction amount of the fifth-dimensional curling effect on the z-direction coordinate.

[0055] The specific process involves inputting the de-noised gravitational gradient tensor into the Kaluza-Klein five-dimensional field equations. The gravitational gradient tensor undergoes a five-dimensional expansion, coupling the four-dimensional spacetime component with the compactified fifth-dimensional component according to the standard form of Kaluza-Klein theory. The five-dimensional field equations are solved using the separation of variables method, decomposing the five-dimensional gauge tensor into three components: the four-dimensional spacetime metric, the electromagnetic potential field, and the scalar field. When calculating the user's four-dimensional spacetime coordinates, the fifth dimension is integrated out using the Kaluza-Klein reduction conditions, resulting in an equivalent four-dimensional Einstein-Maxwell equation. The solution considers the correction to the vacuum solution caused by the cosmological constant and incorporates the quantized correction to the four-dimensional spacetime coordinates caused by the curling effect of the fifth dimension. The final output four-dimensional spacetime coordinates consist of three spatial coordinates derived directly from the gravitational gradient tensor and a time coordinate calibrated by an atomic clock. The derivation of the time coordinate strictly meets the requirements of Lorentz covariance.

[0056] S1.3: Calculate the atmospheric refractive index correction value based on the user's four-dimensional space-time coordinates. The expression is:

[0057]

[0058] Among them, Δn(z,t) represents the atmospheric refractive index correction value under the combined effect of the user's z-direction coordinate and the user's time coordinate t, n represents the atmospheric refractive index at standard sea level, h0 represents the atmospheric scale height, k q represents the modulation coefficient of the atmospheric refractive index due to temperature fluctuation q, q represents the temperature fluctuation, t0 represents the reference time of local noon, k g It represents the correction coefficient of the gravitational field gradient g to the atmospheric refractive index, g represents the gravitational field gradient, represents the Laplace operator, and Φ(x,y,z) represents the value of the gravitational potential function at the spatial coordinate point (x,y,z).

[0059] The specific process includes: when calculating the atmospheric refractive index correction value based on the user's four-dimensional space-time coordinates, extracting the vertical height coordinates in the user's four-dimensional space-time coordinates, and querying the international standard atmospheric parameter table to obtain the baseline refractive index at altitude. The user's time coordinates are used to analyze the characteristics of daily temperature fluctuations, and the impact of temperature changes on the refractive index is calculated through Fourier transform. At the same time, combined with the value of the gravitational potential function, the Poisson equation is used to solve the perturbation effect of the gravitational field on the atmospheric density. The three-dimensional atmospheric parameter distribution field is established using east-west and north-south coordinates, and the horizontal refractive index gradient distribution is determined through spatial interpolation. Finally, the baseline refractive index is combined with the temperature correction, gravity correction, and horizontal gradient compensation to obtain an accurate atmospheric refractive index correction value.

[0060] S1.4: Dynamically determine the target resonance wavelength based on the atmospheric refractive index correction value, and trigger the plasma resonance wavelength locking of the SPP metamaterial layer.

[0061] The specific process involves substituting the atmospheric refractive index correction value into the surface plasmon dispersion relation equation to update the dielectric constant parameters of the medium. By matching the electromagnetic field boundary conditions at the metal-dielectric interface, a surface plasmon characteristic equation containing the correction parameters is established. The surface plasmon characteristic equation is solved using a numerical iterative method to obtain the corrected numerical solution for the target resonant wavelength. The target resonant wavelength numerical solution is transmitted to a wavelength locking controller, which generates a piezoelectric drive signal to adjust the bias voltage of the SPP metamaterial layer. The bias voltage changes the lattice constant and electron density distribution of the gold nanopillar array, matching the intrinsic resonant frequency of the SPP metamaterial layer to the target resonant wavelength. The matching process is achieved by real-time monitoring of the reflectance spectrum characteristics. When the reflectivity curve reaches a minimum at the target wavelength, locking is determined to be complete. The locked plasmon resonance wavelength triggers the collective oscillation of free electrons on the surface of the nanopillar array, establishing stable plasmon excitation conditions.

[0062] S1.5: Construct an optical enhancement field by exciting plasmons in a nanopillar array based on the locked plasmon resonance wavelength.

[0063] The specific process involves using the locked plasmon resonance wavelength as the central wavelength of the excitation light source. When incident light illuminates the surface of the SPP metamaterial layer, it resonates with the gold nanopillar array, generating coupling. Under the action of the incident optical field, the free electrons on the gold nanopillar surface form collective oscillations, and the collective oscillation frequency strictly matches the locked plasmon resonance wavelength. The collective oscillation produces a local field enhancement effect in the gaps between the nanopillars, which highly concentrates the electromagnetic field energy on the subwavelength scale. Surface plasmons propagate along the periodic structure of the gold nanopillar array, undergoing multiple scattering and interference during propagation. These multiple scattering and interference effects form a uniformly distributed optical enhancement field on the surface of the SPP metamaterial layer, and the intensity distribution of the optical enhancement field meets the near-field uniformity requirements. Near-field uniformity is verified in real time using a scanning near-field optical microscope to ensure that the optical enhancement field meets the technical specifications required for scanning quantum entangled photon pairs.

[0064] S2: Use optical enhancement fields to scan quantum entangled photon pairs, decode the payment institution routing parameter set through Bell inequality violation values, and generate non-local quantum signatures.

[0065] S2.1: Generate a quantum vortex lattice topological carrier under the action of an optically enhanced field, and encode the payment institution routing parameter set in a topologically ordered anyon state.

[0066] The specific process includes: optically enhanced field irradiation of nonlinear optical crystals to generate quantum vortex beams carrying orbital angular momentum, and the quantum vortex beams are modulated by a spiral phase plate array to form a periodically distributed quantum vortex lattice. The topological structure of the quantum vortex lattice satisfies the non-Abelian anyon weaving rule, and each vortex node in the quantum vortex lattice corresponds to a topological defect. The payment institution routing parameter set is encoded as phase information through an electro-optical modulator, and the phase information is loaded into the topological defect position of the quantum vortex lattice. The topologically ordered anyon state is composed of the cross nodes of the quantum vortex lattice, and the weaving path of the cross nodes represents the payment institution ID and weight information. The encoded topologically ordered anyon state has the characteristics of non-local quantum correlation, and the phase relationship between the topologically ordered anyon states stores the complete payment institution routing parameter set.

[0067] It should be noted that the payment institution routing parameter set includes the institution's unique identification code, weight distribution coefficient, geo-fence boundary, quantum communication channel key and priority level parameters.

[0068] The non-Abelian anyon weaving rules describe the non-commutative quantum state transformations produced when anyons in a topological quantum system are exchanged in space.

[0069] S2.2: Perform a three-dimensional Bell basis joint measurement on the quantum vortex lattice topological carrier and calculate the violation of the Bell inequality, expressed as:

[0070]

[0071] Where S represents the violation value of Bell inequality, M3 represents the three-dimensional AdS spacetime manifold, a, b, c represent the coordinate directions of the three-dimensional AdS spacetime, H represents the braiding matrix of non-Abelian anyons, Γ a represents the three-dimensional Dirac-Clifford algebra generator in the a direction, represents the tensor product operation, Γ b represents the three-dimensional Dirac matrix generator in the b direction, ψ represents the topological order parameter wave function of the quantum vortex lattice, exp represents the natural exponential function, β represents the inverse temperature parameter, G represents the Chern-Simons topological invariant, d represents the exterior differential operator, V AdS A volume element representing Anti-de-Sitter spacetime.

[0072] The specific process involves decomposing the quantum vortex lattice topological carrier into photon states under different measurement bases through three sets of orthogonal polarization beam splitters, each of which contains four Bell basis projection combinations. The measurement process uses coincidence counting technology to record the results of the three sets of Bell basis joint measurements. The three-dimensional Bell basis joint measurement forms an eight-dimensional joint probability distribution by combining the measurement results of each set of basis vectors. The eight-dimensional joint probability distribution reflects the quantum nonlocal characteristics of the topologically ordered anyon state. The Bell inequality violation value is calculated using a linear combination of the expectation values ​​of the three-dimensional Bell operators. The expectation value of the three-dimensional Bell operator is obtained by summing the products of the joint probability distribution and the measurement basis weight coefficients.

[0073] S2.3: When the Bell inequality violation value exceeds the quantum decision threshold, decode the payment institution routing parameter set.

[0074] The specific process involves decoding the payment institution's routing parameter set stored in the quantum vortex lattice topological carrier using quantum state tomography when the Bell inequality violation exceeds the quantum decision threshold. The decoding process first performs maximum likelihood estimation on the three-dimensional Bell basis joint measurement results to reconstruct the density matrix of the topologically ordered anyon state. The off-diagonal elements of the density matrix are converted into a readable data format using a quantum Fourier transform, extracting the payment institution's unique identification code and weight distribution coefficients. The geofence boundary is resolved from the spatial phase distribution of the density matrix, with the phase gradient corresponding to the position constraint. The decoded payment institution routing parameter set is then verified using a quantum error correction code to ensure information integrity and meet subsequent processing requirements.

[0075] The quantum decision threshold is set according to the maximum entangled state fidelity of the quantum vortex lattice topological carrier, and the specific threshold value is determined by experimentally measuring the statistical distribution of the violation value between the actual quantum state and the ideal Bell state.

[0076] S2.4: Based on the decoded payment institution routing parameter set, a hyperbolic space lattice is constructed in combination with the Berry phase to generate a non-local quantum signature.

[0077] The specific process includes inputting the decoded payment institution routing parameter set into the hyperbolic space grid generation algorithm, mapping the payment institution's unique identification code to the initial vertex coordinates of the hyperbolic grid. The weight distribution coefficient is mapped to the curvature adjustment parameter of the hyperbolic space, thereby controlling the connection distance between adjacent vertices in the grid network. The geographic fence boundary is embedded in the hyperbolic plane through conformal mapping, forming the boundary constraint conditions of the grid. The quantum communication channel key is used as a random seed to generate the Berry phase distribution on the grid, and the Berry phase distribution satisfies the non-Abelian statistical law. The construction process uses the discrete exterior differential method to derive the Berry connection that controls each cell on the grid. The connection coefficient is proportional to the payment institution priority parameter. The resulting hyperbolic space grid realizes edge state excitation through the quantum Hall effect, and the non-local characteristics carried by the edge state wave function form a non-local quantum signature.

[0078] The Berry phase distribution is the geometric phase accumulated during the adiabatic evolution of a quantum state in parameter space, and is obtained by integrating the Berry connection of the quantum state in momentum space along a closed path.

[0079] Non-Abelian statistical laws describe the evolution of non-commutative quantum states produced by anyons during the exchange or weaving process.

[0080] S3: Match the four-dimensional space-time coordinates with the geographic fence boundary of the payment institution using the Riemannian manifold curvature. When the four-dimensional space-time coordinates are within the fence boundary threshold, the target payment institution is triggered to screen the instructions and bind the non-local quantum signature.

[0081] S3.1: Based on the geographical fence boundary of the payment institution, the dynamic Riemann curvature tensor field is constructed in combination with the gravitational gradient tensor.

[0082] The specific process includes taking the payment institution's geofence boundary as a spatial constraint condition to extract the spatial distribution characteristics of the gravitational gradient tensor within the geofence boundary; utilizing the mathematical correlation between the second-order derivative components of the gravitational gradient tensor and the Riemann curvature tensor, converting the gravitational gradient tensor into Riemann curvature tensor components in hyperbolic space through coordinate transformation; adjusting the distribution of the dynamic Riemann curvature tensor field according to the real-time changes of the geofence boundary, so that the changes in the dynamic Riemann curvature tensor field are synchronized with the deformation of the geofence boundary.

[0083] S3.2: Input the four-dimensional spacetime coordinates into the dynamic Riemann curvature tensor field and calculate the quantum-Riemann curvature matching degree through the topological quantum Brillouin zone integral. The expression is:

[0084]

[0085] Where M(x) represents the quantum-Riemann curvature matching degree between the four-dimensional space-time coordinate x and the geographical fence boundary of the payment institution, V BZrepresents the volume of the first Brillouin zone, ∫ BZ represents the integral over the Brillouin zone, α represents the imaginary unit, r represents the three-dimensional momentum vector, Δx represents the spatial displacement vector, T represents the matrix trace operation, Ω1 represents the Hermitian conjugate of the Bloch state evolution operator, Ω2 represents the Berry connection operator of the non-trivial topological band, f represents the Frobenius norm, σ represents the curvature tolerance coefficient, d 3 k represents the momentum space volume element.

[0086] The specific process involves establishing a correspondence between four-dimensional spacetime coordinates and the curvature tensor within the geometric framework of the dynamic Riemann curvature tensor field. Using the topological quantum Brillouin zone integration method, the researchers calculated the correlation between the distribution characteristics of quantum states in momentum space and the geometric properties of the dynamic Riemann curvature tensor field. Finally, by quantitatively analyzing the geometric compatibility of the quantum state distribution and the curvature field, they calculated the specific value of the quantum-Riemann curvature matching degree, which accurately characterizes the quantum geometric adaptation characteristics of four-dimensional spacetime coordinates in the dynamic Riemann curvature tensor field.

[0087] S3.3: When the quantum-Riemann curvature matching degree exceeds the quantum adaptive threshold and the four-dimensional space-time coordinates are within the fence boundary threshold, the target payment institution screening instruction is triggered.

[0088] The specific process involves real-time monitoring of the comparison results of the quantum-Riemann curvature matching degree and the quantum adaptive threshold, while also verifying whether the four-dimensional space-time coordinates are within the spatial range specified by the fence boundary threshold. When these two conditions are met, the generation and transmission of the target payment institution screening instruction is immediately initiated, ensuring that the target payment institution screening instruction triggers a dual verification mechanism based entirely on the quantum-Riemann curvature matching degree and the four-dimensional space-time coordinate fence boundary threshold. The entire triggering process is strictly executed according to the quantum adaptive threshold and the fence boundary threshold, without relying on any additional conditions or intermediate processing steps.

[0089] The quantum adaptive threshold is set based on the experimental statistical distribution of the Bell inequality violation value of the ideal maximum entangled state in the quantum vortex lattice, and the specific value is determined by measuring the maximum correlation strength of the standard Bell state under the same measurement basis.

[0090] The fence boundary threshold is determined based on the ratio of the curvature radius of the Riemannian manifold space of the payment institution's geofence to the positioning accuracy requirement. The specific threshold is set by the normalized value of the minimum geodesic distance from the user coordinates to the fence boundary and the curvature radius.

[0091] S3.4: Entanglement and bind the nonlocal quantum signature with the quantum-Riemann curvature matching through a controlled rotation gate.

[0092] The specific process includes encoding the non-local quantum signature into a quantum bit state, and converting the quantum-Riemann curvature matching degree into a rotation angle parameter; then inputting the converted rotation angle parameter into the control end of the controlled rotation gate, so that the controlled rotation gate applies a rotation operation of a corresponding angle to the quantum bit state corresponding to the non-local quantum signature according to the size of the quantum-Riemann curvature matching degree. The quantum operation of the controlled rotation gate realizes the entanglement binding between the non-local quantum signature and the quantum-Riemann curvature matching degree, so that the non-local quantum signature and the quantum-Riemann curvature matching degree form an inseparable quantum correlation state.

[0093] S4: Based on the target payment institution screening instruction, the payment amount and the bound non-local quantum signature are Bell basis encrypted using the quantum public key of the target institution, a quantum state ciphertext is generated, and the quantum state ciphertext is sent through a directional communication link.

[0094] S4.1: Based on the target payment institution screening instruction, a quantum public key tensor network of the target payment institution is dynamically constructed.

[0095] The specific process includes parsing the target payment institution screening instruction to obtain target payment institution identification information, then retrieving the pre-stored quantum public key components according to the target payment institution identification information, then combining the retrieved quantum public key components into a multi-body quantum state according to the quantum tensor network construction rule, forming a quantum public key tensor network with a specific topological structure, and finally ensuring that the quantum state correlation of each node in the quantum public key tensor network meets the security communication requirements through quantum entanglement verification, and completing the dynamic construction of the quantum public key tensor network of the target payment institution.

[0096] The pre-stored quantum public key component is a quantum state unit pre-generated and securely stored through a quantum key distribution protocol.

[0097] The quantum tensor network construction rule is a mathematical operation specification for combining the tensor product of multiple quantum states according to a specific topological structure and forming a complex network through quantum entanglement connection.

[0098] S4.2: The quantum public key tensor network drives the supergraph fusion of the payment amount and the bound non-local quantum signature, and synchronously performs Bell basis tensor integral encryption to generate a quantum state ciphertext.

[0099] The specific process includes encoding the payment amount as a quantum state node using the topological structure of the quantum public key tensor network, while the non-local quantum signature is used as the edge connecting the nodes, forming a quantum state network structure. In the fusion stage, the entanglement characteristics of the quantum public key tensor network ensure that the payment amount node and the non-local quantum signature edge form an inseparable quantum correlation. The synchronous Bell basis tensor integration encryption operation projects the fused quantum state network structure into a high-dimensional Hilbert space, and generates a quantum state ciphertext with non-local correlation characteristics through the tensor integration operation of the Bell basis measurement result. The final output of the quantum state ciphertext completely retains the numerical characteristics of the payment amount and the identity authentication information of the non-local quantum signature.

[0100] S4.3: Send the quantum state ciphertext through the quantum-classical hybrid directional communication link, and inject the Chern-Simons topological field in real time for error correction, to generate the error-corrected quantum state ciphertext.

[0101] The specific process includes encoding the quantum state ciphertext as a photon polarization state or phase state, transmitting it via a quantum channel, and synchronously transmitting the basis vector selection information through a classical link. In the transmission stage, the Chern-Simons topological field is injected in real time, and the topological freedom of the quantum state ciphertext is dynamically protected using non-Abelian gauge invariance. The Chern-Simons topological field identifies transmission errors by analyzing the geometric phase changes accumulated by the quantum state ciphertext during transmission, and generates a topological protection gate operation based on the braid group theory to actively correct state distortion caused by decoherence or noise. The final output of the error-corrected quantum state ciphertext not only retains the encoding information of the original quantum state ciphertext, but also realizes fault tolerance in the transmission process through the non-local error correction mechanism of the Chern-Simons topological field, meeting the fidelity requirements of quantum communication.

[0102] Non-Abelian gauge invariance refers to the property of a quantum field that remains unchanged in form under non-Abelian gauge transformations. The mathematical essence is described by the symmetry of the gauge group in the Yang-Mills theory.

[0103] Braid group theory is a mathematical theory that studies the topological transformation rules of multiple braid strands, describing the non-commutative symmetry generated when an object moves continuously in space.

[0104] S5: After receiving the quantum state ciphertext, the target institution decrypts and extracts the non-local quantum signature, and verifies the quantum entropy correlation between the four-dimensional spacetime coordinates and the non-local quantum signature. After verification, the fund atomization transfer is performed.

[0105] S5.1: After receiving the error-corrected quantum state ciphertext, the target institution performs conformal field theory decryption to extract the non-local quantum signature.

[0106] The specific process involves mapping the quantum state ciphertext into the operator algebra framework of conformal field theory and utilizing conformal symmetry to perform local transformations on the quantum state. Within the conformal field theory framework, the analytical process of a specific correlation function can reveal the topological order parameter characteristics encoded in the quantum state ciphertext. The topological order parameter characteristics directly correspond to the characteristic patterns of the non-local quantum signature. Subsequently, the vertex operator algebra technique of conformal field theory is used to extract the complete information of the non-local quantum signature from the residues at the extreme points of the specific correlation function. The final output non-local quantum signature maintains the topological protection characteristics of the original quantum state ciphertext, ensuring that the decryption result is completely consistent with the initial signature of the sender.

[0107] The specific correlation function is a mathematical object constructed by the expectation value of a local operator in conformal field theory, and is derived from the statistical correlation properties of quantum states under conformal symmetry transformations.

[0108] Conformal field theory is the study of quantum field theory with conformal symmetry. Its core is described by conformal algebra and operator product.

[0109] S5.2: Input the extracted non-local quantum signature and the four-dimensional space-time coordinates into the entangled state analyzer to obtain the quantum entropy correlation value between the two.

[0110] The specific process involves establishing a quantum state mapping relationship between the nonlocal quantum signature and the four-dimensional space-time coordinates within the quantum state processing framework of the entanglement state analyzer. Subsequently, quantum joint measurement technology is used to simultaneously measure the quantum state components corresponding to the nonlocal quantum signature and the four-dimensional space-time coordinates, and the quantum correlation characteristics of the measurement results are recorded. The entanglement state analyzer performs quantum information entropy analysis on the measurement results based on the von Neumann entropy formula, directly outputting the quantum entropy correlation value between the nonlocal quantum signature and the four-dimensional space-time coordinates. The quantum entropy correlation value strictly represents the entanglement strength and information correlation between the two quantum states.

[0111] S5.3: When the quantum entropy correlation value reaches the preset verification standard, the atomic fund transfer instruction on the quantum financial bus is triggered.

[0112] The specific process involves first verifying the degree of match between the quantum entropy correlation value and the pre-set verification criteria, confirming that the quantum entropy correlation value fully meets all the conditions of the pre-set verification criteria. The quantum financial bus then generates an atomic fund transfer instruction based on the authorization level corresponding to the quantum entropy correlation value, encoding this atomic fund transfer instruction into a quantum state pulse sequence. Finally, the quantum state pulse sequence is transmitted via the quantum financial bus's transmission channel to the target account node, completing the indivisible fund transfer operation under the quantized unit.

[0113] The preset verification standard is set based on the maximum theoretical value of von Neumann entropy of an ideal quantum entangled state, and the specific value is determined by measuring the quantum correlation strength of the standard Bell state under the same conditions.

[0114] S5.4: Based on the atomic fund transfer instruction, the payment is completed through quantum CNOT gate operation within the Planck time window.

[0115] The specific process involves encoding the atomic funds transfer instruction into a control qubit state and the payment amount information into a target qubit state. A quantum CNOT gate operation is performed within the Planck time window. The control qubit state determines the flipping condition of the target qubit state, achieving a controlled change in the payment amount state. After the quantum CNOT gate operation is completed, the measurement result of the target qubit state directly corresponds to the payment completion state. The entire process ensures the irreversibility and security of the payment operation, safeguarded by the quantum no-cloning theorem. The quantum state association between the atomic funds transfer instruction and the payment amount information is established through the quantum CNOT gate operation, ensuring that the payment process meets the atomicity requirements of quantum financial transactions.

[0116] This embodiment also provides a multi-payment institution barcode payment system, including: a gravitational positioning module, a quantum decoding module, a fence matching module, a quantum encryption module and an atomic settlement module. The gravitational positioning module is used to collect gravitational field data, calculate the user's four-dimensional space-time coordinates through the Kaluza-Klein five-dimensional field equation, and simultaneously trigger the plasma resonance wavelength locking of the SPP metamaterial layer to establish an optical enhancement field; the quantum decoding module is used to use the optical enhancement field to scan quantum entangled photon pairs, decode the payment institution routing parameter set through the Bell inequality violation value, and generate a non-local quantum signature; the fence matching module is used to match the four-dimensional space-time coordinates with the support The Riemann manifold curvature is matched with the geographic fence boundary of the payment institution. When the four-dimensional space-time coordinate is within the fence boundary threshold, the target payment institution is triggered to screen instructions and bind the non-local quantum signature; the quantum encryption module is used to screen instructions based on the target payment institution, use the target institution's quantum public key to perform Bell basis encryption on the payment amount and the bound non-local quantum signature, generate quantum state ciphertext and send it through a directional communication link; the atomic clearing module is used to decrypt and extract the non-local quantum signature after the target institution receives the quantum state ciphertext, and verify the quantum entropy correlation between the four-dimensional space-time coordinate and the non-local quantum signature. After the verification is passed, the atomic transfer of funds is executed.

[0117] This embodiment also provides a computer device suitable for the case of a barcode payment method with multiple payment institutions, including: a memory and a processor; the memory is used to store computer-executable instructions, and the processor is used to execute computer-executable instructions to implement the barcode payment method with multiple payment institutions proposed in the above embodiment.

[0118] The computer device can be a terminal, and the computer device includes a processor, a memory, a communication interface, a display screen and an input device connected through a system bus.

[0119] The embodiment also provides a storage medium having a computer program stored thereon, and the computer program is executed by a processor to implement the method for realizing multi-payment institution barcode payment proposed in the above embodiment; the storage medium can be implemented by any type of volatile or non-volatile storage device or a combination thereof, such as a static random access memory (SRAM), an electrically erasable programmable read-only memory (EEPROM), an erasable programmable read-only memory (EPROM), a programmable read-only memory (PROM), a read-only memory (ROM), a magnetic memory, a flash memory, a magnetic disk or an optical disk.

[0120] To sum up, the application achieves high-precision space-time positioning and photon regulation by collecting gravitational field data and applying the Kaluza-Klein five-dimensional field equation to calculate the four-dimensional space-time coordinates of the user, solves the problems of insufficient positioning accuracy and vulnerability to interference of the traditional GPS positioning, and achieves the beneficial effect of improving the stability of the payment fence boundary judgment; further, the digital signature mechanism against quantum attacks is constructed by scanning the optical enhancement field driven quantum entangled photon pairs, and the security failure problem of the traditional PKI in the quantum computing environment is effectively solved.

[0121] It should be noted that the above embodiments are only used to illustrate the technical solutions of the present invention and are not intended to limit the present invention. Although the present invention has been described in detail with reference to the preferred embodiments, those skilled in the art should understand that the technical solutions of the present invention may be modified or replaced by equivalents without departing from the spirit and scope of the technical solutions of the present invention, which should all be included in the scope of the claims of the present invention.

Claims

1. A multi-payment institution barcode payment method, characterized by: include, Collect gravitational field data and calculate the user's four-dimensional space-time coordinates using the Kaluza-Klein five-dimensional field equation. Simultaneously, the plasma resonance wavelength of the SPP metamaterial layer is triggered to lock and establish an optically enhanced field. Using optical enhancement fields to scan quantum entangled photon pairs, the payment institution routing parameter set is decoded through the violation of Bell inequality values ​​to generate a non-local quantum signature. The four-dimensional space-time coordinates are matched with the geographical fence boundary of the payment institution by Riemannian manifold curvature. When the four-dimensional space-time coordinates are within the fence boundary threshold, the target payment institution is triggered to screen the instruction and bind the non-local quantum signature; Based on the target payment institution's screening instructions, the target institution's quantum public key is used to perform Bell-based encryption on the payment amount and the bound non-local quantum signature, generating quantum state ciphertext and sending it through a directional communication link; After the target institution receives the quantum state ciphertext, it decrypts and extracts the non-local quantum signature, and verifies the quantum entropy correlation between the four-dimensional space-time coordinates and the non-local quantum signature. After the verification is passed, the atomic transfer of funds is executed.

2. The multi-payment institution barcode payment method according to claim 1, characterized in that: The specific steps of collecting gravitational field data and calculating the user's absolute coordinates in three-dimensional space using the Kaluza-Klein five-dimensional field equation are as follows: Collect gravitational field data, construct the spatial distribution characteristics of the gravitational field through the orthogonal matching pursuit algorithm, and generate the gravitational gradient tensor; The gravitational gradient tensor is input into the Kaluza-Klein five-dimensional field equations to calculate the user's four-dimensional spacetime coordinates.

3. The multi-payment institution barcode payment method according to claim 2, characterized in that: The specific steps of simultaneously triggering the plasma resonance wavelength locking of the SPP metamaterial layer and establishing the optical enhancement field are as follows: Calculate the atmospheric refractive index correction value based on the user's four-dimensional space-time coordinates; Dynamically determine the target resonance wavelength based on the atmospheric refractive index correction value, triggering the plasma resonance wavelength locking of the SPP metamaterial layer; Based on the locked plasma resonance wavelength, plasmons in the nanocolumn array are excited to construct an optical enhancement field.

4. The multi-payment institution barcode payment method according to claim 3, characterized in that: The specific steps of generating a non-local quantum signature are as follows: A quantum vortex lattice topological carrier is generated under the action of an optically enhanced field, and the payment institution routing parameter set is encoded in the topologically ordered anyon state; Perform three-dimensional Bell basis joint measurements on quantum vortex lattice topological carriers and calculate the violation of Bell inequality; When the violation value of the Bell inequality exceeds the quantum decision threshold, the payment institution routing parameter set is decoded; Based on the decoded payment institution routing parameter set, a hyperbolic space lattice is constructed in combination with the Berry phase to generate a non-local quantum signature.

5. The multi-payment institution barcode payment method according to claim 4, characterized in that: The four-dimensional space-time coordinates are matched with the geographical fence boundary of the payment institution by Riemannian manifold curvature. When the four-dimensional space-time coordinates are within the fence boundary threshold, the target payment institution screening instruction is triggered and the non-local quantum signature is bound. The specific steps are as follows: Based on the geographical fence boundary of the payment institution, the dynamic Riemann curvature tensor field is constructed in combination with the gravitational gradient tensor; The four-dimensional spacetime coordinates are input into the dynamic Riemann curvature tensor field, and the quantum-Riemann curvature matching degree is calculated by topological quantum Brillouin zone integration; When the quantum-Riemann curvature matching degree exceeds the quantum adaptive threshold and the four-dimensional space-time coordinates are within the fence boundary threshold, the target payment institution screening instruction is triggered; The nonlocal quantum signature and quantum-Riemann curvature matching degree are quantum-entangled and bound through a controlled rotation gate.

6. The multi-payment institution barcode payment method according to claim 5, characterized in that: The target payment institution-based screening instructions are used to perform Bell-based encryption on the payment amount and the bound non-local quantum signature using the target institution's quantum public key, generate quantum state ciphertext and send it through a directional communication link. The specific steps are as follows: Based on the target payment institution’s screening instructions, the quantum public key tensor network of the target payment institution is dynamically constructed; The quantum public key tensor network drives the payment amount and the bound non-local quantum signature to perform hypergraph fusion, and simultaneously performs Bell basis tensor integral encryption to generate quantum state ciphertext; Quantum state ciphertext is sent through a quantum-classical hybrid directional communication link, and the Chern-Simons topological field is injected for real-time error correction to generate error-corrected quantum state ciphertext.

7. The multi-payment institution barcode payment method according to claim 6, characterized in that: After receiving the quantum state ciphertext, the target institution decrypts and extracts the non-local quantum signature, and verifies the quantum entropy correlation between the four-dimensional space-time coordinates and the non-local quantum signature. After the verification is passed, the atomic transfer of funds is executed. The specific steps are as follows: After receiving the error-corrected quantum state ciphertext, the target organization performs conformal field theory decryption to extract the non-local quantum signature; The extracted non-local quantum signature and the four-dimensional space-time coordinates are input into the entangled state analyzer to obtain the quantum entropy correlation value between the two; When the quantum entropy correlation value reaches the preset verification standard, the atomic fund transfer instruction on the quantum financial bus is triggered; Based on the atomic fund transfer instruction, payment is completed through quantum CNOT gate operation within the Planck time window.

8. A multi-payment institution barcode payment system, based on the multi-payment institution barcode payment method according to any one of claims 1 to 7, characterized in that: Including gravitational positioning module, quantum decoding module, fence matching module, quantum encryption module and atomic settlement module, The gravitational positioning module is used to collect gravitational field data, calculate the user's four-dimensional space-time coordinates through the Kaluza-Klein five-dimensional field equation, and simultaneously trigger the plasma resonance wavelength locking of the SPP metamaterial layer to establish an optical enhancement field; A quantum decoding module is used to scan quantum entangled photon pairs using optical enhancement fields, decode the payment institution routing parameter set through Bell inequality violation values, and generate a non-local quantum signature; The fence matching module is used to match the four-dimensional space-time coordinates with the geographical fence boundary of the payment institution through the Riemannian manifold curvature. When the four-dimensional space-time coordinates are within the fence boundary threshold, the target payment institution is triggered to screen the instruction and bind the non-local quantum signature; A quantum encryption module is used to filter instructions based on the target payment institution, perform Bell-based encryption on the payment amount and the bound non-local quantum signature using the target institution's quantum public key, generate quantum state ciphertext, and send it via a directional communication link; The atomic clearing module is used to decrypt and extract the non-local quantum signature after the target institution receives the quantum state ciphertext, and verify the quantum entropy correlation between the four-dimensional space-time coordinates and the non-local quantum signature. After the verification is passed, the atomic transfer of funds is executed.

9. A computer device comprising a memory and a processor, wherein the memory stores a computer program, wherein: When the processor executes the computer program, the steps of the multi-payment institution barcode payment method according to 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 multi-payment institution barcode payment method according to any one of claims 1 to 7 are implemented.