Summary of the invention
For solving prior art all needs to prepare the multiple means of payment based on beneficiary in the means of payment of Quick Response Code and paying party, the means of payment is limited to Alipay and pays and wechat payment, the transaction data dispersion produced, need again to make Quick Response Code and damage previous Quick Response Code and same Quick Response Code can not realize the technical problem that the binding with multiple beneficiary accounts informations is changed, the present invention provides the binding that a kind of same Quick Response Code realizes with multiple beneficiary accounts informations to change, same Quick Response Code realizes wechat and pays, Alipay pays, reward voucher pays and stored value card pays, need not again make the method for network payment based on Quick Response Code and the system of beneficiary Quick Response Code。
Method of network payment based on Quick Response Code provided by the invention, including:
Step A makes Quick Response Code, and Quick Response Code and beneficiary information are tied up code, and beneficiary information includes beneficiary accounts information；
Step B trade managing system is beneficiary configuration ID, this beneficiary ID and the binding of the two or more means of payment according to beneficiary information；
Step C shows the Quick Response Code after tying up code, and the Quick Response Code after code is tied up in paying party scanning, selects the means of payment, inputs dealing money, completes to pay。
According to a preferred embodiment of the present invention, in step A, Quick Response Code and beneficiary information tie up code, are the Quick Response Codes made by smart machine scanning, after identification, fill in beneficiary information, carry out tying up code operation。
According to a preferred embodiment of the present invention, tie up the Quick Response Code after code and beneficiary information and tie up the releasing of yard relation, need to confirm through beneficiary。
According to a preferred embodiment of the present invention, configuring ID for beneficiary in step B, trade managing system according to beneficiary information and utilize the algorithm configuration preset, the ID of configuration has distinctiveness。
According to a preferred embodiment of the present invention, the ID of configuration substitutes beneficiary information in trade managing system internal transmission。
According to a preferred embodiment of the present invention, the means of payment includes network payment mode and offline electronic payment mode, and wherein, network payment mode includes the Alipay means of payment, the wechat means of payment, the stored value card means of payment, the reward voucher means of payment。
According to a preferred embodiment of the present invention, described beneficiary ID and the connection of the Alipay means of payment, the wechat means of payment, the stored value card means of payment, the reward voucher means of payment and offline electronic payment mode, carried out acquiescence by described trade managing system and connect or artificial selection's connection。
According to a preferred embodiment of the present invention, paying party pays successfully, and beneficiary or trade managing system send transaction successful information to paying party。
According to a preferred embodiment of the present invention, in step C, the Quick Response Code that paying party scanning is shown, after identification, payment square end display beneficiary information, it is beneficial to paying party safety of payment。
According to a preferred embodiment of the present invention, the beneficiary information that payment square end shows, including the mark of beneficiary, the address of beneficiary, the name of contact person of beneficiary and/or contact method, for one or more in the name on account of ID of beneficiary configuration or account number, wherein, described beneficiary be designated beneficiary LOGO, beneficiary picture or beneficiary trade mark。
According to a preferred embodiment of the present invention, multiple Quick Response Codes are by tying up code operation, it is achieved be connected with same beneficiary。
According to a preferred embodiment of the present invention, transaction data is stored by described trade managing system, including carrying out storing according to the ID transaction data produced, according to the time producing transaction carry out storing, the transaction data that produces according to the different means of payment carries out storing, the transaction data that produces according to different trade properties carries out storing, storing according to dealing money。
The present invention also provides for a kind of network payment system based on Quick Response Code and includes Quick Response Code, beneficiary terminal, trade managing system and payer terminal, Quick Response Code and beneficiary information are carried out tying up code by described beneficiary terminal, described trade managing system is connected with described beneficiary terminal called, described trade managing system is according to beneficiary information configuration beneficiary ID, described beneficiary ID and the binding of the two or more means of payment, the Quick Response Code after code is tied up in the scanning of described payer terminal, input dealing money, select the means of payment, complete delivery operation。
According to a preferred embodiment of the present invention, described trade managing system includes data processing module。
According to a preferred embodiment of the present invention, described beneficiary terminal is smart mobile phone or POS。
Technical scheme provided by the invention has the advantages that
1, first make Quick Response Code by employing, again through smart machine, beneficiary information and Quick Response Code are tied up the design of code, be beneficial to same Quick Response Code and can realize the binding relationship with multiple beneficiary information, it is to avoid again make Quick Response Code；
2, by adopt trade managing system according to beneficiary information and default algorithm be beneficiary configuration ID, and ID substitute beneficiary information transmit in trade managing system, be beneficial to protect beneficiary fund security；
3, by by beneficiary ID and the binding of the two or more means of payment, the means of payment includes Alipay payment, wechat pays, reward voucher pays, rechargeable card pays and the design of offline electronic payment, it is achieved same Quick Response Code meets the multiple means of payment；
4, by adopting trade managing system that transaction data is stored, and carry out classification storage, be beneficial to and data are carried out statistical analysis, create more value for beneficiary；
5, by sending the design of message to paying party when paying the bill square end display beneficiary information and successful payment, it is beneficial to the fund security ensureing both parties, is beneficial to the development that Quick Response Code pays。
Except purpose described above, feature and advantage, the present invention also has other purpose, feature and advantage。Below with reference to figure, the present invention is further detailed explanation。
Detailed description of the invention
Below in conjunction with the accompanying drawing of the present invention, the technical scheme in the embodiment of the present invention is carried out clear, complete description, it is clear that described embodiment is only a part of embodiment of the present invention, rather than whole embodiments。
Refer to Fig. 1, be the flow chart of the method for network payment based on Quick Response Code provided by the invention。
The described method of network payment based on Quick Response Code, including:
Step A makes Quick Response Code, and Quick Response Code and beneficiary information are tied up code, and beneficiary information includes beneficiary accounts information；
In described step A, Quick Response Code according to the create-rule batch making preset, then is printed on square plastic block by a two-dimension code generator by Quick Response Code, and wherein, Quick Response Code center includes LOGO, is of value to the unified management to Quick Response Code and attractive in appearance。
Promote by publicizing, determine a beneficiary, beneficiary can be trade company and individual, decoding apparatus scanning Quick Response Code is tied up by one, after identification, jump to a page, by tying up yard personnel or beneficiary fills in beneficiary information, wherein, the beneficiary information filled at least includes the accounts information of beneficiary, described beneficiary information can also include the contact method etc. of the mark of beneficiary, the address of beneficiary, the name of contact person of beneficiary and/or beneficiary, and wherein, the mark of beneficiary can be the LOGO of beneficiary, beneficiary picture or beneficiary trade mark。Fill in complete, through beneficiary with tie up yard personnel and confirm, and after certain set form inspection, submit to and tie up code application, thus what realize beneficiary information and this Quick Response Code ties up code。Described decoding apparatus of tying up is connected with the communication of described trade managing system。
In the present embodiment, can pass through to tie up decoding apparatus and scan multiple Quick Response Codes, fill in same beneficiary information, it is achieved multiple Quick Response Codes and the binding of same beneficiary information, be beneficial to the motility that beneficiary carries out collecting money。
Tie up the releasing tying up yard relation of the Quick Response Code after code and beneficiary information, it is necessary to beneficiary confirms, is beneficial to the fund security of beneficiary。
Step B trade managing system is beneficiary configuration ID, this beneficiary ID and the binding of the two or more means of payment according to beneficiary information；
In described step B, described trade managing system receives ties up decoding apparatus scanning, the 2 D code information identified and the beneficiary information filled in, and stores。Described trade managing system is according to the beneficiary information received, and utilize the algorithm preset in described trade managing system to configure ID for beneficiary, described ID has distinctiveness, namely in described trade managing system, each ID has uniqueness and only corresponding with a beneficiary, described ID substitutes beneficiary information in described trade managing system internal transmission, internal transmission generally refers to the transmission of transaction data, thus, it is beneficial to and promotes beneficiary trusting and reducing the probability that beneficiary fund is stolen by described trade managing system management personnel described trade managing system。
After described beneficiary ID generates, described beneficiary ID includes a name on account or account number, described name on account or account number and substitutes name on account or the account number that beneficiary is filled in。
In the present embodiment, the accounts information of beneficiary will be encoded processing by the algorithm preset in described trade managing system, generate an account for transmission in described trade managing system, beneficiary information for other, as the mark of beneficiary, the address of beneficiary, the name of contact person of beneficiary and/or contact method are not encoded, still transmit in described trade managing system according to the beneficiary information filled in。
In described trade managing system, pass through interface, multiple means of payment are connected to described trade managing system, after described trade managing system is beneficiary configuration ID, described ID can realize being connected with multiple means of payment, and the connection of described ID and multiple means of payment can be that described trade managing system acquiescence be attached artificial selection connecting。
The means of payment that described trade managing system connects includes network payment mode and offline electronic payment mode, and wherein, network payment mode includes the Alipay means of payment, the wechat means of payment, the stored value card means of payment and the reward voucher means of payment etc.。
In the present embodiment, the connection of described ID and the multiple means of payment, by manually selecting, each described ID at least binds two kinds of means of payment, is beneficial to the satisfaction of beneficiary and from main separation。
Step C shows the Quick Response Code after tying up code, and the Quick Response Code after code is tied up in paying party scanning, selects the means of payment, inputs dealing money, completes to pay；
After the operation of step B, tie up the Quick Response Code after code and carry out corresponding connection with beneficiary ID, meanwhile, described beneficiary ID is attached by artificial selection's mode and the two or more means of payment, ties up the Quick Response Code after code and achieve and the connection of the above means of payment of above two described in namely。
Beneficiary, by being printed on the Quick Response Code of square plastic block, is shown。The mode shown includes:
1, Quick Response Code is fixed on cashier, it is possible to adopt and frame up or be directly adhered to cashier position；
2, Quick Response Code is fixed on other and is easy to the position that paying party carries out paying the bill, if beneficiary is eating and drinking establishment, it is possible to by multiple Quick Response Codes are fixed on dining table, consumer can pay at any time；
3, being carried by beneficiary staff by Quick Response Code, assembled with bracelet by Quick Response Code, bracelet carrier can be walked about and be collected money。
Paying party scans the Quick Response Code of displaying by intelligent terminal, after identification, selects Payment Methods at paying party intelligent terminal interface, as selected Alipay to pay, continues with dealing money, confirms that namely transaction, gathering square end complete to pay。In other cases, after paying party intelligent terminal's scanning recognition Quick Response Code, can first inputting dealing money at paying party intelligent terminal interface, reselection Payment Methods are traded。
After paying party intelligent terminal scanning, identifying Quick Response Code, paying party intelligent terminal will show beneficiary information, wherein, beneficiary information can include one or more in the LOGO of beneficiary, beneficiary picture, beneficiary trade mark, the address of beneficiary, the name of contact person of beneficiary and/or contact method, display by above-mentioned beneficiary information, paying party can confirm that whether beneficiary is correct, is beneficial to the fund security ensureing both parties。
Transaction data is stored by described trade managing system, storage mode to transaction data, in the present embodiment, including carrying out storing according to the ID transaction data produced, according to the time producing transaction carry out storing, the transaction data that produces according to the different means of payment carries out storing, the transaction data that produces according to different trade properties carries out storing and storing according to dealing money, in other cases, it is possible to for one or more in above-mentioned storage mode。
After the transaction success of paying party and beneficiary, send, to paying party and beneficiary, successful information of concluding the business by described trade managing system, it is also possible to direction paying party sends successful message of concluding the business by collecting money。
Refer to Fig. 2, be the structured flowchart of the network payment system based on Quick Response Code provided by the invention。
The described network payment system 1 based on Quick Response Code includes Quick Response Code 11, beneficiary terminal 13, trade managing system 15 and payer terminal 17。Described Quick Response Code 11 is carried out tying up code by described beneficiary terminal 13 with beneficiary information, described trade managing system 15 is connected with the communication of described beneficiary terminal 13, described trade managing system 15 is according to beneficiary information configuration beneficiary ID, described beneficiary ID and the binding of the two or more means of payment, the Quick Response Code after code is tied up in the scanning of described payer terminal 17。
Quick Response Code 11 described in two-dimension code generator batch making, is printed on square plastic block by described Quick Response Code 11, is beneficial to and carries。
Described beneficiary terminal 13 scans a described Quick Response Code 11 of batch making, after identification, beneficiary information is filled at described beneficiary terminal 13 interface, described beneficiary information includes beneficiary accounts information, can be Alipay account, wechat account or bank account, fill in eligible after, submit to and tie up code application, it is achieved the binding of described Quick Response Code 11 and beneficiary information。
It is connected by the communication of described beneficiary terminal 13 with described trade managing system 15, described Quick Response Code 11 ties up a yard relation transmission extremely described trade managing system 15 with beneficiary information, described trade managing system 15 according to the beneficiary information received internal system be beneficiary configuration beneficiary ID, described trade managing system 15 connects the multiple means of payment, by artificial selection's mode, according to beneficiary demand, connect the two or more means of payment for beneficiary ID, it is achieved binding。
The described multiple means of payment includes the Alipay means of payment, the wechat means of payment, the stored value card means of payment, the reward voucher means of payment and offline electronic payment mode。
In the present embodiment, described beneficiary terminal 13 is POS, in other cases, it is also possible to for smart mobile phone。
Described trade managing system 15 includes data processing module 151 and communication module 153, transaction data is stored and statistical analysis by described data processing module 151, described communication module 153, for carrying out communication with described beneficiary terminal 13 and described payer terminal 17, mainly includes data transmission and transaction successful message notice。
The described Quick Response Code 11 after code is tied up in the scanning of described payer terminal 17, selects the means of payment and input dealing money, after payment interface confirms beneficiary, completes delivery operation。Described payer terminal 17 can be smart mobile phone, panel computer and intelligence wearable device。
The invention have the benefit that
1, first make described Quick Response Code by employing, again through smart machine, beneficiary information and described Quick Response Code are tied up the design of code, be beneficial to same described Quick Response Code and can realize the binding relationship with multiple beneficiary information, it is to avoid again make described Quick Response Code；
2, by adopt described trade managing system according to beneficiary information and default algorithm be beneficiary configuration ID, and ID substitute beneficiary information transmit in described trade managing system, be beneficial to protect beneficiary fund security；
3, by by beneficiary ID and the binding of the two or more means of payment, the means of payment includes Alipay payment, wechat pays, reward voucher pays, rechargeable card pays and the design of offline electronic payment, it is achieved same Quick Response Code meets the multiple means of payment；
4, by adopting described trade managing system that transaction data is stored, and carry out classification storage, be beneficial to and data are carried out statistical analysis, create more value for beneficiary；
5, by showing beneficiary information and successful payment at described payment square end send the design of message time to paying party, be beneficial to the fund security ensureing paying party, be beneficial to the development that Quick Response Code pays。
The foregoing is only embodiments of the invention; not thereby the scope of patent protection of the present invention is limited; every equivalent structure utilizing description of the present invention and accompanying drawing content to make or equivalence flow process conversion; directly or indirectly it is used in other relevant technical field, all in like manner includes in the scope of patent protection of the present invention。