CN103295127A - Method and system for electronic payment based on two-dimensional code technology - Google Patents

Abstract

The invention relates to a network, software and a hardware platform which are relevant to payment vouchers, payment processes and payment systems in the process of electronic payment, in particular to a method and system for electronic payment based on a two-dimensional code technology. The method for electronic payment based on the two-dimensional code technology is characterized by comprising the following steps that 1, a payment voucher is generated; 2, a transaction is conducted; 3, transaction verification is conducted; 4, the transaction is completed. Internet surfing and two-dimensional code scanning functions of an intelligent terminal are used, the operation of the transaction is conducted through the intelligent terminal APP, the transaction is conducted through the method that the two-dimensional code electronic payment voucher is generated through an electronic payment platform, so that the method and system for electronic payment based on the two-dimensional code technology is safe, convenient to use, high in efficiency and capable of being widely used in various electronic payment fields.

Description

Electric paying method and system based on planar bar code technology

Technical field

The present invention relates to network, software and hardware platform that evidence for payment, payment flow, payment system in the electronic payment process are correlated with, relate in particular to electric paying method and system based on planar bar code technology.

Background technology

Along with the fast development of Internet technology, that ecommerce relies on is convenient, advantage is rooted in the hearts of the people day by day cheaply, and as the core link of ecommerce, on-line payment has also obtained developing rapidly.Data show that 2009 is 5,766 hundred million yuan, reaches 10,858 hundred million yuan in 2010, and China Internet payment transaction transaction size had reached 22,038 hundred million yuan in 2011.

Two-dimension code (dimensional barcode) is according to certain rules in the chequered with black and white graphic recording data symbol information of plane distribution with certain specific geometric figure; Two-dimension code comprises and contains much information, and can handle automatically with realization information by image input device or photoelectric scanning device automatically identifying and reading, is highly suitable for and is used as electronic certificate in the payment system.

Summary of the invention

The purpose of this invention is to provide a kind of electric paying method based on planar bar code technology and system, utilize online and the two-dimension code scan function of intelligent terminal, realize safe, convenient, pay new model by mails efficiently.

In order to achieve the above object, the present invention adopts following technical scheme:

A kind of electric paying method based on planar bar code technology is characterized in that, comprises the steps:

Step 1, generation voucher: payer request electronic payment platform generates the two-dimensional code electronic evidence for payment;

Step 2, enforcement transaction: the take over party is scanned the two-dimensional code electronic evidence for payment that payer is shown, and agreeing to conclude the business then, electronic payment platform locks the transaction that both sides reach;

Step 3, transaction verification: payer input payment cipher checking transaction validity, electronic payment platform is carried out or this transaction of rollback according to the checking result;

Step 4, finish transaction: after electronic payment platform was carried out transaction, the take over party received the payment of payer, and transaction is finished.

In described step 1, generate voucher and comprise the steps:

Step 11: transaction is initiated by payer, and payer is by intelligent terminal APP login electronic payment platform account;

Step 12: input payment, electronic payment platform generate two-dimensional code electronic evidence for payment data, generate the two-dimensional code display electronic payment certificate by intelligent terminal APP again.

In described step 2, implement transaction and comprise the steps:

Step 21: the take over party moves intelligent terminal APP, login electronic payment platform account;

Step 22: the take over party enters receiver module, scans the two-dimensional code electronic evidence for payment that payer is shown with camera;

Step 23: the two-dimensional code electronic evidence for payment data after the take over party will be scanned by intelligent terminal APP send to electronic payment platform;

Step 24: electronic payment platform is to this transaction locking, take over party's intelligent terminal APP two-dimensional code display electronic payment certificate details;

Step 25: take over party's intelligent terminal APP shows details and the transaction dynamical state of this transaction.

In described step 3, transaction verification comprises the steps:

Step 31: after payer is received the successful information indicating of take over party's " transaction locking " by intelligent terminal APP, the beginning transaction verification;

Step 32: payer is imported payment cipher in intelligent terminal APP, and the payment affirmation information after the encryption sends to electronic payment platform;

Step 33: electronic payment platform carries out transaction verification, shows the transaction performance according to the result who verifies.

128 rsa encryptions of the The data of described two-dimensional code electronic evidence for payment, two-dimension code generate and adopt the PDF417 national standard; Long 128 of the cleartext information of this two-dimensional code electronic evidence for payment, 256 of cipher-text information are wherein got rid of payer, take over party's account number and encrypted message.

A kind of electronic fare payment system based on planar bar code technology is characterized in that this system comprises:

Intelligent terminal, it comprises camera for inserting the hardware device of internet, is used for scanning two-dimensional code electronic evidence for payment;

Intelligent terminal APP by the operation of network environment realization transaction, is used for transmitting-receiving Transaction Information and checking trading password;

Electronic payment platform is used for generating two-dimensional code electronic evidence for payment and locked transaction;

Network comprises LAN (Local Area Network), internet or mobile Internet.

The present invention utilizes online and the two-dimension code scan function of intelligent terminal, the operation of concluding the business by intelligent terminal APP, the mode that adopts electronic payment platform to generate the two-dimensional code electronic evidence for payment is concluded the business, and is safe, convenient, efficient, can be widely used in various E-Payments field.

Description of drawings

Fig. 1 is the synoptic diagram of electric paying method among the present invention.

Fig. 2 is the synoptic diagram of electronic fare payment system among the present invention.

Fig. 3 is the process flow diagram of step 1 in the electric paying method of the present invention.

Fig. 4 is the process flow diagram of step 2 in the electric paying method of the present invention.

Fig. 5 is the process flow diagram of step 3 in the electric paying method of the present invention.

Embodiment

The present invention will be further described below in conjunction with drawings and Examples.

As shown in Figure 1, the electric paying method based on planar bar code technology of the present invention comprises the steps:

Step 1, generation voucher: payer request electronic payment platform generates the two-dimensional code electronic evidence for payment;

Step 2, enforcement transaction: the take over party is scanned the two-dimensional code electronic evidence for payment that payer is shown, and agrees to hand over

The transaction that easy then electronic payment platform locking both sides reach;

Step 3, transaction verification: payer input payment cipher checking transaction validity, electronic payment platform is carried out or this transaction of rollback according to the checking result;

Step 4, finish transaction: after electronic payment platform was carried out transaction, the take over party received the payment of payer, and transaction is finished.

Referring to Fig. 3, in described step 1, generate voucher and comprise the steps:

Step 11: transaction is initiated by payer, and payer enters payment module by intelligent terminal APP login electronic payment platform account;

Step 12: the input payment, generate payment data, intelligent terminal APP sends the payment request to electronic payment platform, and electronic payment platform is received the payment request msg, carries out the rule checking; If checking is invalid, electronic payment platform sends refusal to pay to intelligent terminal APP, and intelligent terminal APP receives the refusal to pay receipt, and intelligent terminal APP shows and can't pay that operation stops; If checking effectively, electronic payment platform generates two-dimensional code electronic evidence for payment data, and electronic payment platform sends electronic payment certificate to intelligent terminal APP, and intelligent terminal APP receives electronic payment certificate, generate two-dimensional code display electronic payment certificate, EO by intelligent terminal APP again.

Referring to Fig. 4, in described step 2, implement transaction and comprise the steps:

Step 21: the take over party moves intelligent terminal APP, login electronic payment platform account;

Step 22: the take over party enters receiver module, scans the two-dimensional code electronic evidence for payment that payer is shown with camera;

Step 23: the two-dimensional code electronic evidence for payment data after the take over party will be scanned by intelligent terminal APP send to electronic payment platform, and electronic payment platform is verified this voucher; If checking is invalid, electronic payment platform sends refusal to pay to intelligent terminal APP, and intelligent terminal APP receives the refusal to pay receipt, and intelligent terminal APP shows and can't pay that operation stops;

Step 24: if checking effectively, the two-dimensional code electronic evidence for payment that the locking payer generates, electronic payment platform sends credential information to intelligent terminal APP, and intelligent terminal APP receives payer electronic payment certificate information, take over party's intelligent terminal APP two-dimensional code display electronic payment certificate details;

Step 25: take over party's intelligent terminal APP shows details and the transaction dynamical state of this transaction, EO.

Referring to Fig. 5, in described step 3, transaction verification comprises the steps:

Step 31: the take over party checks Transaction Information, if do not receive Transaction Information, and the locking that then Cancels Transaction, operation stops; If receive Transaction Information, after payer is received the successful information indicating of take over party's " transaction locking " by intelligent terminal APP, the beginning transaction verification; Take over party's intelligent terminal APP sends and implements payment to electronic payment platform, and electronic payment platform receives and implement the payment request that electronic payment platform sends the payment cipher request to payer;

Step 32: payer intelligent terminal APP receives the payment cipher request, and E-Payment side imports payment cipher in intelligent terminal APP, and the payment affirmation information after the encryption sends to electronic payment platform, and electronic payment platform is received payment cipher, authentication password;

Step 33: electronic payment platform carries out transaction verification, shows the transaction performance according to the result who verifies; If password useless, the locking that Cancels Transaction sends the payment failure information to both sides' intelligent terminal APP, and operation stops; If password is effective, send payment successful information, EO to both sides' intelligent terminal APP.

Wherein, 128 rsa encryptions of the The data of two-dimensional code electronic evidence for payment, two-dimension code generate and adopt the PDF417 national standard; Long 128 of the cleartext information of this two-dimensional code electronic evidence for payment, 256 of cipher-text information are wherein got rid of payer, take over party's account number and encrypted message.

As shown in Figure 2, the electronic fare payment system based on planar bar code technology of the present invention comprises:

Intelligent terminal, it comprises camera for inserting the hardware device of internet, is used for scanning two-dimensional code electronic evidence for payment;

Intelligent terminal APP by the operation of network environment realization transaction, is used for transmitting-receiving Transaction Information and checking trading password;

Electronic payment platform is used for generating two-dimensional code electronic evidence for payment and locked transaction;

Network comprises LAN (Local Area Network), internet or mobile Internet.

The present invention is based on electric paying method and the system of planar bar code technology, in the present embodiment, the present invention is with the combined with intelligent terminal, i.e. smart mobile phone, and smart mobile phone APP, electronic payment platform and mobile Internet are introduced electric paying method of the present invention and system.

In the present embodiment, payer, take over party have all installed smart mobile phone on-line payment APP and have used, and both sides' mobile phone all has been connected to mobile Internet, and payer wants defrayment to give the take over party, and concrete grammar is as follows:

1, payer, take over party all by mobile Internet operation smart mobile phone APP, import login password, enter smart mobile phone APP account;

2, payer input payment:

3, after the affirmation input payment amount, electronic payment platform generates payable two-dimensional code electronic evidence for payment, gives the take over party scanning:

4, the take over party is scanned the two-dimensional code electronic evidence for payment, and data are sent to electronic payment platform:

5, electronic payment platform locks this transaction, the errorless back of take over party checking voucher information confirmation;

6, the smart mobile phone APP of payer shows the input payment cipher;

7, payer input payment cipher, after the electronic payment platform authentication password, the take over party receives payment, finishes transaction.

Claims (6)

1. the electric paying method based on planar bar code technology is characterized in that, comprises the steps:

Step 1, generation voucher: payer request electronic payment platform generates the two-dimensional code electronic evidence for payment;

Step 2, enforcement transaction: the take over party is scanned the two-dimensional code electronic evidence for payment that payer is shown, and agreeing to conclude the business then, electronic payment platform locks the transaction that both sides reach;

Step 3, transaction verification: payer input payment cipher checking transaction validity, electronic payment platform is carried out or this transaction of rollback according to the checking result;

Step 4, finish transaction: after electronic payment platform was carried out transaction, the take over party received the payment of payer, and transaction is finished.

2. the electric paying method based on planar bar code technology according to claim 1 is characterized in that in described step 1, generates voucher and comprises the steps:

Step 11: transaction is initiated by payer, and payer is by intelligent terminal APP login electronic payment platform account;

Step 12: input payment, electronic payment platform generate two-dimensional code electronic evidence for payment data, generate the two-dimensional code display electronic payment certificate by intelligent terminal APP again.

3. the electric paying method based on planar bar code technology according to claim 1 is characterized in that in described step 2, implements transaction and comprises the steps:

Step 21: the take over party moves intelligent terminal APP, login electronic payment platform account;

Step 22: the take over party enters receiver module, scans the two-dimensional code electronic evidence for payment that payer is shown with camera;

Step 23: the two-dimensional code electronic evidence for payment data after the take over party will be scanned by intelligent terminal APP send to electronic payment platform;

Step 24: electronic payment platform is to this transaction locking, take over party's intelligent terminal APP two-dimensional code display electronic payment certificate details;

Step 25: take over party's intelligent terminal APP shows details and the transaction dynamical state of this transaction.

4. the electric paying method based on planar bar code technology according to claim 1 is characterized in that transaction verification comprises the steps: in described step 3

Step 31: after payer is received the successful information indicating of take over party's " transaction locking " by intelligent terminal APP, the beginning transaction verification;

Step 32: payer is imported payment cipher in intelligent terminal APP, and the payment affirmation information after the encryption sends to electronic payment platform;

Step 33: electronic payment platform carries out transaction verification, shows the transaction performance according to the result who verifies.

5. according to each described electric paying method based on planar bar code technology of claim 1-3, it is characterized in that: 128 rsa encryptions of the The data of described two-dimensional code electronic evidence for payment, two-dimension code generate and adopt the PDF417 national standard; Long 128 of the cleartext information of this two-dimensional code electronic evidence for payment, 256 of cipher-text information are wherein got rid of payer, take over party's account number and encrypted message.

6. electronic fare payment system based on planar bar code technology is characterized in that this system comprises:

Intelligent terminal, it comprises camera for inserting the hardware device of internet, is used for scanning two-dimensional code electronic evidence for payment;

Intelligent terminal APP by the operation of network environment realization transaction, is used for transmitting-receiving Transaction Information and checking trading password;

Electronic payment platform is used for generating two-dimensional code electronic evidence for payment and locked transaction;

Network comprises LAN (Local Area Network), internet or mobile Internet.

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