Payment System and Method Based on Selective Transfer of Short and Long QR Code Payment Data via NFC

Abstract

The invention relates to a payment system and method that enables the transfer of payment data generated according to the TR QR code standard from a POS terminal to a mobile device containing an HCE-based NFC QR software module via NFC without the use of a camera; the recognition of the QR code payment transaction by its NFC QR application identifier (AID) and its redirection to the QR contactless payment kernel; the selective transmission of the entire short QR code data and certain parameters of the long QR code data to the mobile device; and the execution of the payment from the card or account after user confirmation.

Description

1 TARIFF Based on the selective transfer of short and long QR code payment data via NFC. Payment System and Method TECHNICAL FIELD The invention involves a camera processing payment data generated according to the relevant country's QR code standard. Transfer of data from POS terminal to mobile device via NFC without the need for QR code. QR contactless payment 10 by recognizing the payment transaction with NFC QR application identifier (AID) redirection to the kernel, the entire short QR code data, and specific long QR code data. selective transmission of parameters to the mobile device and user approval after a payment system and method that allows payment to be made from a card or account It is related to. PREVIOUS TECHNIQUE In today's QR code-based payment transactions, in order to receive payment data... mostly within the mobile device's camera app or payment app The QR code reading interface needs to be enabled. User, business or POS device 20 Show the QR code displayed on the screen to the mobile device's camera and the QR code will appear on the camera screen. It must be positioned correctly within the field of view. The QR code For the QR code to be readable, the appropriate distance and angle between the mobile device camera must be maintained. It is necessary to ensure that the QR code is correctly positioned within the camera image. misalignment, mobile device movement, or partial display of the QR code 25 In these situations, the reading process may be delayed or cannot be completed. This situation, This can negatively impact user experience, especially at busy payment points. The functionality of current QR code payment methods is also affected by environmental conditions. Insufficient or excessive ambient light, reflection on the screen, camera 30 The lens is dirty, the camera cannot complete the focusing process, or the QR code... Situations such as the image being low resolution can hinder the recognition of the QR code. This can make the payment process more difficult. Therefore, the user needs to have a mobile phone number to complete the payment. The device may need to be repositioned or the QR code may need to be scanned multiple times. Opening the camera application, placing the QR code in the image area, and performing the focusing operation 35 completion, decoding of the QR code data and transfer to the relevant payment application. Such sequential steps can prolong the QR code payment process. Therefore, the current 2 QR code payment methods require the user to actively complete the transaction, and It offers a payment experience that can vary depending on environmental conditions. In contactless card payment systems, data communication takes place between the POS device and the payment card. This is done via the NFC interface. The transaction amount is entered into the POS device. Then the contactless payment interface is activated and the payment card is connected to the POS device's NFC 5 The card is brought close to the antenna. Communication between the card and the POS device is conducted using EMV standards. It is carried out within the framework of the defined protocols. In contactless payment transactions. The application identifier (AID) used, the payment to be used in the transaction It is a value that enables the determination of the application and card scheme. The NFC interface of the card. The AID information transmitted via the card is checked by the POS device and the transaction is processed using the relevant card. It is redirected to the transaction flow of the scheme or payment network. Thus, Visa, Mastercard Transactions related to different payment schemes, such as TROY, can be separated from each other. POS The transaction flow between the terminal and the payment card is managed by software components called the kernel. It is managed by Kernel. The kernel complies with the rules of the relevant payment scheme and EMV standards. It performs the data exchange between the card and the POS device accordingly, transaction 15 It carries out the steps and, according to the received AID information, processes the transaction to the relevant payment infrastructure. It directs. Host Card Emulation (HCE) technology used in smartphones, mobile This allows the device to mimic the functions of a physical contactless card through software. NFC interface between mobile device and POS terminal thanks to HCE-based applications. Data exchange can be carried out via this channel, and information regarding the selected payment card is provided to the relevant 20 It can be transmitted to the POS device within the framework of card scheme rules. However, the existing HCE and NFC-based payment systems are primarily used for contactless card payment transactions. It is designed for implementation. Used in QR code payment transactions. The transfer of QR code data to the POS device via the NFC interface, and the subsequent conversion of this data to card information... 25 for separating payment data and directing the transaction to the QR code payment infrastructure The necessary specific definitions and process flows are not sufficiently present in existing systems. It is not available. In conclusion, the use of cameras in existing QR code payment systems means that the QR code... Alignment and proper lighting and focus conditions must be ensured; this is covered by payment 30. This can negatively affect the speed and ease of use of the process. Current NFC and HCE Contactless payment systems based on QR code provide fast data communication. data transmission via NFC and specific to QR code payment processing It does not offer an integrated structure for its management. 35 As a result of research conducted in the literature, application number “2022 / 021660” and “Payment Turkish patent titled "A Blockchain-Based Verification System in Transactions" 3 An application has been found. This application is blockchain-based and verified digital. a system that enables secure payments and money transfers using identity It is relevant. However, in the aforementioned application, the short or long QR code payment data is related to the POS terminal. Transfer of payment from terminal to mobile device via NFC, NFC QR code payment transaction 5 by being recognized by the application identifier and redirected to the QR contactless payment kernel. No relevant evidence has been found. Ultimately, the problems mentioned above, which cannot be solved with current technology, are the subject of this technical analysis. This has made it necessary to make an innovation in the field. BRIEF DESCRIPTION OF THE INVENTION 10 The present invention aims to eliminate the aforementioned disadvantages and introduce new technologies to the relevant technical field. Selective processing of short and long QR code payment data via NFC to provide advantages. It relates to payment systems and methods based on transfer. The main purpose of the invention is to convert payment data, generated according to the QR code standard, into camera format. a device that enables transfer from a POS terminal to a mobile device via NFC without the need for other tools The goal is to develop a payment system and method. Another purpose of the invention is to enable payment processing via QR code using the NFC QR application identifier 20. The aim is to enable it to be recognized and redirected to the QR contactless payment kernel. Another purpose of the invention is to extract all short QR code data and specific long QR code data. The goal is to enable the selective transfer of parameters to a mobile device via NFC. Another purpose of the invention is to ensure the alignment of the QR code with the camera, taking into account lighting and focus conditions. The goal is to eliminate the reading problems that arise. Another purpose of the invention is to allow users to pay with their cards by bringing their mobile devices close to the POS terminal. or to enable them to make contactless payments from their account. 30 Another purpose of the invention is to enable instant fund transfers from an account based on card payment transactions. payment transactions are carried out through the same NFC QR code payment infrastructure. to provide. 35 4 Another purpose of the invention is to prevent errors that occur during transmission of QR code data transmitted via NFC. The aim is to enable the detection of potential errors or malfunctions through CRC control. Another purpose of the invention is to enable payment processing to be completed in a shorter time and in workplaces. The goal is to speed up the cash flow. 5 All the purposes mentioned above and those that will emerge from the detailed explanation below. The present invention enables the processing of short and long QR code payment data via NFC. It is a payment system based on selective transfer, the characteristic of which is; - Enter the payment amount and initiate the payment process. 10 at least one POS terminal providing, - Payment from the card-accepting institution's system or account in card payment transactions TR QR Code operates within the recipient account holder organization system in this transaction. Generates and creates short or long QR code data specific to the process according to the standard. The QR code generation unit, which provides the QR code data to the POS terminal, is 15. - Communication specific to QR code payment transactions between the POS terminal and the mobile device. will enable the establishment and redirection of the transaction to the QR contactless payment kernel. At least one NFC QR application identifier value defined as follows, - By recognizing the NFC QR application identifier value, the payment process is completed using a QR code payment. 20 that directs the process flow and manages the transfer of QR code data via NFC QR contactless payment kernel, - NFC communication enables contactless data communication between a POS terminal and a mobile device. unit, - A short-circuited device containing an HCE-based NFC QR software module is brought close to the POS terminal. The entire QR code data or specific parameters of a long QR code data can be selected using NFC 25. NFC-enabled device that receives payment via a communication unit and transfers it to a mobile payment application. mobile device, - Viewing transaction details related to the received QR code data, payment card or at least one that allows the selection of a payment account and obtaining user confirmation. user interface, 30 - Payment from the card issuer's system or account in card payment transactions in the process, the sender account holder organization operates within the system, from a mobile device The system processes the transmitted QR code data and user confirmation, thereby generating the relevant payment request. a small organization backend payment service and - Errors or corruptions in the QR code data transmitted via NFC during transmission. At least one CRC data integrity check that verifies whether it exists using CRC. control unit It includes. The best way to utilize the advantages of the existing invention, together with its structure and additional elements. For it to be understood, it must be considered together with the figures explained below. BRIEF DESCRIPTION OF THE FIGURES Figure 1 is a representative illustration of the card payment transaction flow using a short QR code. Figure 2 is a representative illustration of the card payment transaction flow using a long QR code. Figure 3 is a representative illustration of the payment transaction flow from the account using a short QR code. Figure 4 is a representative illustration of the payment transaction flow from the account using a long QR code. The drawings do not necessarily need to be scaled and are necessary for understanding the invention. Details that are not present may have been overlooked. Furthermore, at least to a large extent... Elements that are identical or at least have substantially identical functions are numbered the same. It is shown. REFERENCE NUMBERS 1. POS terminal 2. QR code generation unit 3. QR contactless payment kernel 25 4. NFC communication unit 5. NFC QR application identifier value 6. Mobile device 7. User interface 8. Card accepting organization system 30 9. Card issuing organization system 10. Receiver account holder organization system 11. Sender account holder organization system 12. Centralized QR code redirection system 13. Central payment network switching system 35 14. Instant fund transfer system 15. Organizational backend payment service 6 16. CRC data integrity check unit DETAILED DESCRIPTION OF THE INVENTION This detailed explanation describes how the invention, which involves short and long QR code payment data, utilizes NFC 5. The payment system and method based on selective transfer is simply a better understanding of the subject. It is explained with examples that do not create any limiting effect on understanding. The invention relates to the payment data used in QR code payment transactions between POS terminal (1) and HCE NFC communication unit (4) between mobile device (6) containing NFC QR software module based on 10 It relates to a payment system that enables transfers via QR codes. The NFC QR application identifier value (5) specific to the payment transaction is defined, the transaction word The subject value is directed to the QR contactless payment kernel (3) and the mobile device (6) the necessary connection between the HCE-based NFC QR software module within the POS terminal (1) Data communication is carried out. The HCE-based NFC QR software module enables 15 transactions via NFC. It transfers the received QR code data to the mobile payment application; payment information display, card or account selection and obtaining user confirmation on the mobile device (6) This is done via the user interface (7). Thus, turning on the camera, The need for QR code alignment and ensuring appropriate lighting or focus conditions is eliminated. is being eliminated. Thanks to the invention, the user is given 20 opportunities to make contactless payments in line with their existing contactless payment habits. A compatible, fast, and practical QR code payment experience is offered. Transaction time shortening the timeframe speeds up cash flow in workplaces and eliminates the need for physical cards. The widespread adoption of payment processing methods is ensured. The invention also provides instant funds. Mobile and contactless FAST-based payments made through the transfer system (14) This is done in this way and third-party digital wallets allow payments with different cards 25 In terms of its design, it allows for the provision of an NFC-based payment alternative. According to the invention, the transaction amount is sent to the POS terminal (1) in order to initiate the payment process. is entered. In card payment transactions, the card accepting organization system (8), payment from account In the process, the recipient account holder organization system (10) works within the QR code creation 30 Process-specific barcode data is generated by unit (2) according to the TR QR code standard. and is transmitted to the POS terminal (1). In one implementation, the long barcode data EMVCo It is generated in accordance with the QR code data structure defined by the POS terminal. (1), NFC QR application identifier defined on the mobile device (6) via the NFC communication unit (4) queries the value (5) and after matching, processes the transaction to the QR contactless payment kernel (3) 35 It directs. The QR contactless payment kernel (3) translates the entire short QR code data or Specific parameters of the long barcode data are transmitted to the mobile device via the NFC communication unit (4). 7 (6) transmits to the working HCE-based NFC QR software module. HCE-based NFC QR The software module transfers the received data to the mobile payment application; the user, user to view payment information via interface (7), payment card or account The user selects and confirms the transaction. With user approval, transaction information is transferred to the card payment transaction. card issuing institution system (9), sender account holder in account payment transaction 5 The payment is transmitted to the organization backend payment service (15) operating within the organization system (11). CRC data integrity checks whether there are any errors or corruption in the data transmitted via NFC. It is controlled by the control unit (16). The successful or obtained as a result of the process. The information about the failed transaction is transmitted to the mobile payment application and / or POS terminal (1) shown in the user interface (7). The NFC and HCE functions of the mobile device (6) 10 It needs to support NFC, and in the current implementation this function is available on Android operating systems. This is performed with assistive devices. The technical flow of the invention works as follows: the payment amount is sent to the POS terminal (1) After entering, the POS terminal (1) accepts the card for card payment. from the system (8), QR code from the recipient account holder organization system (10) for payment from the account requesting and by the QR code generation unit (2) within the relevant organization system It displays the generated QR code data on the screen. HCE-based running on mobile device (6) The NFC QR software module can capture the entire short QR code data or specific parts of the long QR code data. receives its parameters via the NFC communication unit (4) and sends them to the mobile payment application 20 It transfers. Payment information is displayed on the user interface (7), payment card or The account is selected and user confirmation is obtained. For card payment option, a QR code and Transaction data central barcode routing system (12) through the relevant organization systems is routed between; authorization request central payment network switching system (13) It is transmitted to the card issuer's system (9). In the account payment option, 25 payment request sender account holder organization system (11) instant fund transfer system (14) is transferred from here to the recipient account holder organization system (10). Central QR code routing system (12), only short barcode data in the payment flow from account It facilitates the acquisition of transaction details. Central QR code redirection system (12), Retrieving transaction details related to short QR code data in the payment flow from the account and long 30 Regarding the QR code data, the entire QR code data must be provided to the recipient account holder organization. to be transmitted from the system (10) to the sender account holder organization system (11) The transaction result is transmitted to the POS terminal (1) and the mobile payment application. This is displayed in user interfaces. 35 A QR payload contains information such as the amount, merchant information, transaction ID, and bank details within the QR code. This refers to payment data. Within the scope of the invention, this data is obtained via camera. 8 instead of being read, the HCE-based mobile device (6) operating via the NFC communication unit (4) The NFC QR code is transferred to the software module. Host Card Emulation (HCE) (6) The software emulates the NFC communication function of a physical contactless card on the mobile device. It is the technology that enables imitation through the HCE-based NFC QR software module, POS. Communicating with the terminal (1) via the NFC communication unit (4), from the POS terminal (1) 5 It receives the sent QR payload data and transfers it to the mobile payment application. Application Protocol Data Unit (APDU) with POS terminal (1) It is a message packet containing commands and data used in NFC communication between mobile devices (6). The QR payload data is transmitted via the NFC communication unit (4) through APDU messages. It is being carried out. Cyclic Redundancy Check (CRC), transmitted 10 CRC data integrity checks whether errors or corruption occurred during data transmission. It is the verification value that enables it to be checked by the control unit (16). CRC check, It does not replace the existing Turkish QR code security and transaction verification mechanisms. NFC is used to detect errors or corruption in data transmission. The adoption rate is the rate at which a developed product or technology is adopted by users, businesses, and payment services. It refers to the level of use and adoption by providers. Within the scope of the invention, card payment transactions using a long QR code are as follows: is being carried out: - The transaction amount is entered into the POS terminal (1) and the payment process is initiated. 20 - POS terminal (1) requests transaction-specific QR code from card accepting organization system (8) The QR code generation unit (2) within the card accepting organization system (8) The long QR code generated by the transaction is displayed on the POS terminal (1) screen is shown and the NFC communication unit (4) of the POS terminal (1) is defined on the mobile device (6) NFC is enabled to query the application identifier value (5) using QR code. 25 - The user can choose the NFC-based QR code payment option via the mobile payment application. select and use mobile device containing HCE-based NFC QR software module (6) POS It brings it closer to the terminal (1). NFC QR application identifier value (5) long processed by QR contactless payment kernel (3) after pairing A specific part of the QR code data is transmitted to the mobile device (6) via the NFC communication unit (4) 30 Mobile payments are received by the working HCE-based NFC QR software module. It is being transferred to the application. - Partial QR code data received by the mobile device (6) is sent to the card issuing organization system. (9) is transmitted. - Card issuing organization system (9), the transaction corresponding to the partial barcode data 35 A central QR code system is used to locate and retrieve all QR code data. It sends requests to the routing system (12). 9 - Central QR code redirection system (12), the request to the card accepting organization It transmits the full barcode received from the card accepting organization's system (8). data and transaction details, card issuance via central barcode routing system (12) is transmitted to the card issuing organization system (9) and by the card issuing organization system (9) It is transferred to the mobile payment application. 5 - Transaction amount and other transaction-related information are displayed in the user interface of the mobile payment application. (7) is displayed, the payment card is selected by the user and the transaction It is confirmed. - User transaction confirmation, transaction information, and information regarding the selected card are provided to the card issuer. It is transmitted to the organizational system (9). 10 - Card number, expiration date, and other necessary payment information for the selected card. It is sent to the central QR code redirection system (12). - Central QR code routing system (12), card data to card accepting organization transmits the received response information to the card issuing organization's system (8) and sends the received response information to the card issuing organization's system (9) It is conveying. 15 - Card data is downloaded to the POS terminal (1) and authorization is granted by the POS terminal (1). The request is being initiated. - Authorization request via card accepting organization system (8) central payment network It is transmitted to the switching system (13). - Central payment network switching system (13), authorization request card issuer 20 directing to the system (9); created by the card issuing organization system (9) The authorization response is transmitted to the card-accepting organization's system (8). The system is used to guide the authorization request and response in this flow. However, the ZMK encryption function is not described. - The transaction result is sent to the POS terminal (1) and simultaneously to the card issuer 25 The mobile payment application is transmitted by the organization system (9) to the mobile device (6) shown in the user interface (7). - A document or slip relating to the transaction is generated on the POS terminal (1), successful or unsuccessful. The result of the operation is shown to the user on the user interface (7) of the mobile device (6). Within the scope of the invention, card payment transactions using a short QR code are as follows: is being carried out: - The transaction amount is entered into the POS terminal (1) and the payment process is initiated. - POS terminal (1), transaction-specific short QR code 35 from card accepting organization system (8) is requested. QR code generation within the card accepting organization system (8) The short QR code generated by unit (2) is displayed on the POS terminal (1) screen is shown and the NFC communication unit (4) of the POS terminal (1) is defined on the mobile device (6) NFC is enabled to query the QR application identifier value (5). - The user can choose the NFC-based QR code payment option via the mobile payment application. select and use mobile device containing HCE-based NFC QR software module (6) POS 5 It brings it closer to the terminal (1). NFC QR application identifier value (5) After pairing, the short QR code is processed by the QR contactless payment kernel (3) All of its data is transmitted via the NFC communication unit (4) to the mobile device (6) based on HCE. The NFC QR code is received by the software module and transferred to the mobile payment application.  The short barcode data received by the mobile device (6) is sent to the card issuing organization system (9) 10 It is being transmitted. - Card issuing organization system (9), finding the transaction corresponding to the short barcode data and to obtain transaction details, to the central QR code redirection system (12) is submitting a request. - Central QR code redirection system (12), the request is made to the card accepting organization 15 Transaction details received from the card accepting organization's system (8) are transmitted to the system (8). central QR code redirection system (12) to card issuing organization system (9) is transmitted and the card issuer system (9) to the mobile payment application is being transferred.  Transaction details in the mobile payment application are available via the user interface (7) 20 The screen is displayed, the user selects their payment card, and the transaction is confirmed. - Transaction details and information about the selected card are sent to the card issuing organization's system (9) It is being transmitted. - Card number, expiration date, and other necessary payment information for the selected card. It is sent to the central QR code redirection system (12). 25 - Central QR code routing system (12), card data to card accepting organization transmits the received response information to the card issuing organization's system (8) and sends the received response information to the card issuing organization's system (9) It transmits. - Card data is downloaded to the POS terminal (1) and authorization is granted by the POS terminal (1). The request is being initiated. 30 - Authorization request via card accepting organization system (8) central payment network It is transmitted to the switching system (13). - Central payment network switching system (13), authorization request card issuer organization directs to the system (9) and the generated authorization response to the card accepting organization It transfers to the system (8). 35 11 - The transaction result is sent to the POS terminal (1) and simultaneously to the card issuer The mobile payment application is transmitted by the organization system (9) to the mobile device (6) shown in the user interface (7). - A slip is generated on the POS terminal (1) regarding the transaction, successful or unsuccessful transaction The result is shown to the user on the user interface (7) of the mobile device (6). 5 Within the scope of this invention, payment processing from the account using a long QR code is as follows: is being carried out: - The transaction amount is entered into the POS terminal (1) and the payment process is initiated. 10 - POS terminal (1) requests transaction-specific QR code from the recipient account holder organization system (10) is. recipient account holder organization system (10) QR code generation unit The long QR code generated by (2) is displayed on the screen of the POS terminal (1) and The NFC communication unit (4) of the POS terminal (1) defines the NFC QR application (6) on the mobile device (6). It is enabled to query the identifier value (5). 15 - The user can choose the NFC-based QR code payment option via the mobile payment application. select and use mobile device containing HCE-based NFC QR software module (6) POS It brings it closer to the terminal (1). NFC QR application identifier value (5) long processed by QR contactless payment kernel (3) after pairing Certain parameters of the QR code data are transmitted to the mobile device (6) via the NFC communication unit (4) 20 Mobile payments are received by the working HCE-based NFC QR software module. It is being transferred to the application.  Partial barcode data received by mobile device (6), sender account holder organization is transmitted to the system (11). - The sender account holder organization system (11) has 25 transactions corresponding to the partial barcode data. A central QR code system is used to locate and retrieve all QR code data. It sends requests to the routing system (12). - Central QR code redirection system (12), the request is made to the receiving account holder organization transmits to the system (10). The full amount received from the recipient account holder organization's system (10) QR code data and transaction details are sent via the central QR code routing system (12) 30 is transmitted to the sender account holder organization system (11) and the sender account holder The organization system (11) is transferred to the mobile payment application. - Transaction details in the mobile payment application via the user interface (7) the process is displayed, the user selects their payment account and the transaction is processed. It is confirmed. 35 12 - Transaction details and information regarding the selected account are sent to the sender account holder's system. (11) is transmitted. - After user approval, a FAST payment request is created and the funds are transferred to the instant fund transfer system. (14) is sent. - Instant fund transfer system (14), sends the payment request to the recipient account holder organization system (10) 5 It transmits the information and ensures that the amount is transferred to the recipient's account.  The result of the FAST operation is reported to the POS terminal (1) and simultaneously to the sender The account holder organization system (11) transmits the mobile payment application to the mobile payment application. This is shown in the user interface (7) of the device (6). - A slip is generated for the transaction in the POS terminal (1), successful or unsuccessful transaction 10 The result is shown to the user on the user interface (7) of the mobile device (6). Within the scope of the invention, payment processing from the account using a short QR code is as follows: is being carried out: - The transaction amount is entered into the POS terminal (1) and the payment process is initiated. 15 - POS terminal (1), transaction-specific short QR code from the recipient account holder organization system (10) is requesting. The recipient account holder organization system (10) generates a QR code. The short QR code generated by unit (2) is displayed on the POS terminal (1) screen is shown and the NFC communication unit (4) of the POS terminal (1) is defined on the mobile device (6) NFC QR application is enabled to query the identifier value (5). 20 - The user can choose the NFC-based QR code payment option via the mobile payment application. select and use mobile device containing HCE-based NFC QR software module (6) POS It brings it closer to the terminal (1). NFC QR application identifier value (5) After pairing, the short QR code is processed by the QR contactless payment kernel (3) All of its data is transmitted via the NFC communication unit (4) to the mobile device (6) using the HCE-based 25 The NFC QR code is received by the software module and transferred to the mobile payment application. - Short QR code data received by mobile device (6), sender account holder organization is transmitted to the system (11). - The sender account holder organization system (11), processing of short barcode data. Request 30 to the central QR code redirection system (12) for the purpose of obtaining details. is sending. - Central QR code routing system (12), short QR code data to recipient account holder It transmits the received transaction details to the central QR code redirection system (10). is transmitted to the sender account holder organization system (11) via the system (12) and 35 by the sender account holder organization system (11) to the mobile payment application is being transferred. 13 - Transaction details in the mobile payment application via the user interface (7) the process is displayed, the user selects their payment account and the transaction is processed. It is confirmed. - Transaction details and information regarding the selected account are sent to the sender account holder's system. (11) is transmitted. 5  After user approval, the payment request is sent to the instant fund transfer system (14). - Instant fund transfer system (14), sends the payment request to the recipient account holder organization system (10) It directs. - The result of the payment transaction is reported to the POS terminal (1) and simultaneously to the sender The account holder organization system (11) transmits the mobile payment application to mobile 10 This is shown in the user interface (7) of the device (6). - A slip is generated on the POS terminal (1) regarding the transaction, successful or unsuccessful transaction The result is shown to the user on the user interface (7) of the mobile device (6).

Claims

14 REQUESTS 1. Based on the selective transmission of short and long QR code payment data via NFC. It is a payment system; its feature is: - Enter the payment amount and initiate the payment process. at least one POS terminal (1) that provides - Card payment transaction card accepting organization system (8) or payment from account 10 working within the recipient account holder organization system (10) in the transaction, the relevant barcode According to the standard, it generates short or long QR code data specific to the process and QR code generation, which provides the generated QR code data to the POS terminal (1). unit (2),  15 specific to QR code payment transaction between POS terminal (1) and mobile device (6) establishing communication and processing the transaction to the QR contactless payment kernel (3) At least one NFC QR application defined to enable its redirection. descriptive value (5), - By recognizing the NFC QR application identifier value (5), the payment process is completed using a QR code. redirects to the payment process flow and transmits the QR code data via NFC to 20 QR contactless payment kernel (3) that manages the transfer of data, - NFC enables contactless data communication between POS terminal (1) and mobile device (6). communication unit (4), - POS terminal (1) containing HCE-based NFC QR software module by zooming in, either the entire short QR code data or a specific portion of the long QR code data can be displayed. receiving parameters via NFC communication unit (4) and mobile payment data received NFC-enabled mobile device (6) that transfers to its application, - Regarding the QR code data in the mobile payment application within the mobile device (6) Viewing transaction details, selecting payment card or payment account and at least one user interface (7) that enables obtaining user consent, 30 - card payment transaction card issuer system (9) or payment from account mobile operating within the sender account holder organization system (11) in the transaction By processing the QR code data transmitted from the device (6) and the user confirmation, the relevant payment At least one organization creating the request backend payment service (15) and - Errors or corruptions in the QR code data transmitted via NFC during transmission. At least one CRC data integrity check that verifies whether it exists using CRC. control unit (16) It includes.

2. The system complies with Claim 1 and its feature is that it transmits the entire short QR code data via NFC communication. HCE-based NFC QR software module running on mobile device (6) via unit (4) Transmitting QR contactless payment kernel (3) and processing related to short QR code data a central QR code that obtains the details and transmits them to the mobile payment application It includes a routing system (12). 10 3. The system complies with Claim 1, and its feature is that it processes specific parameters of long QR code data. by selecting the NFC communication unit (4) and HCE-based NFC working on the mobile device (6) QR contactless payment kernel (3) that transfers long barcode to QR software module All data for card and account payment transactions is centralized via QR code 15. obtaining it through the routing system (12) and transmitting it to the mobile payment application The organization includes backend payment service (15).

4. The system, according to claim 1, is characterized by its ability to process card payments. Card accepting organization system that directs QR code and transaction data for this purpose (8), 20 card issuing organization system (9) and central barcode routing system (12) directing authorization requests and responses between the relevant organizational systems It includes a central payment network switching system (13).

5. The system complies with Request 1, and its feature is that the payment transaction is carried out from the account. 25 A system of recipient account holder organizations that communicate with each other for the purpose of (10), short sender account holder organization system (11) and instant fund transfer system (14) transaction details related to the QR code data and the complete long QR code data. It includes a central QR code redirection system (12) which facilitates its acquisition.

6. A system based on the selective transmission of short and long QR code payment data via NFC. It is a payment method, and its feature is; - Entering the transaction amount into the POS terminal (1) and initiating the payment process, - Card payment transaction card accepting institution system (8), payment from account in the process, the recipient account holder organization system (10) creates a QR code 35 Short or long code specific to the process according to the TR QR code standard by unit (2) Generating the QR code data and transmitting it to the POS terminal (1), 16 - The POS terminal (1) is defined on the mobile device (6) via the NFC communication unit (4). Querying the NFC QR application identifier value (5), - NFC and QR code payment option via mobile payment application selection of mobile device containing HCE-based NFC QR software module (6) POS Approaching terminal (1), 5 - NFC QR application identifier defined in POS terminal (1) and mobile device (6) matching of values ​​(5) and payment processing to QR contactless payment kernel (3) guidance, - If the QR code data is a short QR code, then the short QR code data all of it, or if it's a long QR code, then specific 10 pieces of the long QR code data. HCE parameters run on the mobile device (6) via the NFC communication unit (4) The NFC QR code is received by the software module based on the application and converted to a mobile payment application. transfer, - whether there are any transmission errors or corruptions in the transmitted QR code data. CRC data integrity control unit (16) using CRC control 15 being done, - Transaction details regarding the QR code data are in the user interface (7) display, – Selection of payment card or payment account via user interface (7) and obtaining user consent, 20 - Transaction information is transferred from the user to the card issuer during the card payment process. system (9), sender account holder organization system (11) in the payment transaction from account The relevant payment is sent to the organization’s backend payment service (15) working within it. the process is carried out and - POS 25 will display the transaction result indicating whether the payment transaction was successful or unsuccessful. display on the terminal (1) and / or the user interface (7) of the mobile device (6) It includes the steps of the process.

7. Selective transmission of short and long QR code payment data via NFC according to claim 6. It is a payment method based on transfer, and its feature is; 30 - The entire short QR code data is transmitted to the mobile device via the NFC communication unit (4). (6) Mobile payment is received by the HCE-based NFC QR software module. transfer to the application, - short barcode data in card payment transaction card issuer system (9), In the payment transaction from the account, the sender account holder organization system (11) 35 forwarding to the organization’s backend payment service (15), 17 - The central QR code contains transaction details corresponding to the short QR code data. requesting through the routing system (12) and - The obtained transaction details are transmitted to the mobile payment application and the user display on the interface (7) It includes the steps of the process. 5 8. Selective transmission of short and long QR code payment data via NFC according to claim 6. It is a payment method based on bank transfer, and its characteristic feature is; - Specific parameters of long barcode data QR contactless payment kernel (3) selected by, 10 - selected parameters run on the mobile device (6) via the NFC communication unit (4) Mobile payments are received by the HCE-based NFC QR software module. transfer to the application, - these parameters are central to card and debit payment transactions. Transmission to the QR code redirection system (12), 15 - The central QR code contains all the long QR code data corresponding to the parameters. obtaining from the relevant organization system via the routing system (12) and - The central QR code for transaction details is obtained using the long QR code data. through the routing system (12) to the relevant organization backend payment service (15) and From here, it is transmitted to the mobile payment application and displayed on the user interface (7) 20 display It includes the steps of the process.

9. Selective transmission of short and long QR code payment data via NFC according to Claim 6. It is a payment method based on transfer, and its feature is; 25 - Selecting the payment card via the user interface (7) and confirming the transaction taking, - Transaction details and information regarding the selected card are sent to the card issuing organization's system. (9) transmission, - Payment data relating to the card is routed through the central QR code routing system (12) 30 to be transmitted to the card accepting organization system (8), - Authorization request is created by POS terminal (1), - authorization request card accepting organization system (8) and central payment network through the switching system (13) to the card issuing organization system (9) guidance and 35 18 - authorization result to POS terminal (1) and card issuing organization system (9) transmitted by the mobile payment application It includes the steps of the process.

10. According to claim 6, selective short and long QR code payment data via NFC 5 It is a payment method based on bank transfer, and its characteristic feature is; - Selecting the payment account via the user interface (7) and confirming the transaction taking, - Transaction details and information regarding the selected account will be sent by the account holder organization. transmission to the system (11), 10 - Payment request for instant fund transfer system (14) after user approval creation, - instant funds through the sender account holder organization system (11) for payment request to be transmitted to the transfer system (14), - payment request by instant fund transfer system (14) to recipient account holder 15 redirection to the organizational system (10) and - The result of the payment transaction from the account is sent to the POS terminal (1) and the sender account Transmission of the mobile payment application by the owner organization system (11) It includes the steps of the process.

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