CN118822524B - Payment method, system, device and medium based on dynamic payment code generation - Google Patents
Payment method, system, device and medium based on dynamic payment code generation Download PDFInfo
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- CN118822524B CN118822524B CN202411290491.8A CN202411290491A CN118822524B CN 118822524 B CN118822524 B CN 118822524B CN 202411290491 A CN202411290491 A CN 202411290491A CN 118822524 B CN118822524 B CN 118822524B
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
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- G—PHYSICS
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
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Abstract
The invention discloses a payment method, a system, equipment and a medium based on dynamic payment code generation, wherein the method comprises the steps that a mobile terminal wakes up an installation-free application when receiving tag information, generates corresponding tag binding information through the installation-free application and sends the tag binding information to a settlement terminal, a settlement processing terminal receives the tag binding information and stores the tag binding information, the dynamic payment code is generated through the installation-free application, a merchant terminal receives the payment code information, generates a corresponding payment request and sends the payment request to the settlement processing terminal, the settlement processing terminal checks the payment request, and if the check result is passed, a settlement processing request corresponding to the payment request is sent to the settlement mechanism terminal to obtain a transaction result, and the transaction result is synchronously sent to the payment terminal and the merchant terminal. According to the payment method, the payment operation can be completed quickly by acquiring the label information of the payment card to generate the dynamic payment code, the payment flow can be simplified, the payment link can be shortened, and the payment efficiency is improved.
Description
Technical Field
The invention relates to the technical field of quick payment, in particular to a payment method, a system, equipment and a medium based on dynamic payment code generation.
Background
The traditional entity transaction card only supports off-line card swiping transaction, the transaction mode is single, and when in use for on-line payment, the application program is bound with personal information, equipment and the like, and the use link is too long. Therefore, the manner in which the prior art method is used for online payment transactions has the problem of poor payment convenience.
Disclosure of Invention
The embodiment of the invention provides a payment method, a system, equipment and a medium based on dynamic payment code generation, which aim to solve the problem of poor payment convenience in a mode for online payment transaction in the prior art.
In a first aspect, an embodiment of the present invention provides a payment method based on dynamic payment code generation, where the method is applied to a payment system, where the payment system includes a payment terminal, a merchant terminal, and a settlement processing terminal, and the merchant terminal and the payment terminal are respectively in communication connection with the settlement processing terminal to implement transmission of data information, where the method includes:
if the payment terminal receives the input tag information, waking up the installation-free application according to the tag information, wherein the tag information comprises NFC tag information obtained by identifying an NFC tag in a payment card;
The installation-free application in the payment terminal generates tag binding information corresponding to the tag information and sends the tag binding information to the settlement processing terminal;
The settlement processing terminal receives and stores the label binding information;
The installation-free application in the payment terminal generates a dynamic payment code corresponding to the payment terminal and the tag information according to a preset bar code generation rule;
if the merchant terminal receives the payment code information corresponding to the dynamic payment code, generating a payment request corresponding to the payment code information, the merchant terminal and the payment amount according to a preset request generation rule, wherein the payment code information is obtained by scanning the dynamic payment code by the merchant terminal;
The merchant terminal sends the payment request to the settlement processing terminal;
the settlement processing terminal checks the payment request according to a preset check rule and stored label binding information to obtain a check result whether the payment request passes or not;
If the verification result is passed, the settlement processing terminal sends a settlement processing request corresponding to the payment request to a settlement institution terminal so as to acquire a transaction result fed back by the settlement institution terminal;
and the settlement processing terminal synchronously transmits the transaction result to the payment terminal and the merchant terminal.
In a second aspect, an embodiment of the present invention further provides a payment system based on dynamic payment code generation, where the payment system includes a payment terminal, a merchant terminal, and a settlement processing terminal, where the merchant terminal and the payment terminal are respectively in communication connection with the settlement processing terminal to implement transmission of data information, and the payment system is configured to execute the payment method based on dynamic payment code generation according to the first aspect, and the payment system includes an application wake-up unit, a dynamic payment code generation unit, and a tag binding information transmission unit that are configured in the payment terminal, a storage unit, a payment request verification unit, a settlement processing request transmission unit, and a synchronization transmission unit that are configured in the settlement processing terminal, and a payment request generation unit and a payment request transmission unit that are configured in the merchant terminal;
The application awakening unit is used for awakening the installation-free application according to the tag information if the input tag information is received, wherein the tag information comprises NFC tag information obtained by identifying an NFC tag in a payment card;
The label binding information sending unit is used for generating label binding information corresponding to the label information by the installation-free application in the payment terminal and sending the label binding information to the settlement processing terminal;
the storage unit is used for receiving and storing the label binding information;
The dynamic payment code generation unit is used for generating dynamic payment codes corresponding to the payment terminal and the tag information according to preset bar code generation rules by the installation-free application in the payment terminal;
The payment request generation unit is used for generating a payment request corresponding to the payment code information, the merchant terminal and the payment amount according to a preset request generation rule if receiving the payment code information corresponding to the dynamic payment code, wherein the payment code information is obtained by scanning the dynamic payment code by the merchant terminal;
the payment request sending unit is used for sending the payment request to the settlement processing terminal;
The payment request verification unit is used for verifying the payment request according to a preset verification rule and stored label binding information to obtain a verification result of whether the payment request passes or not;
The settlement processing request sending unit is used for sending a settlement processing request corresponding to the payment request to a settlement institution terminal if the verification result is passed, so as to obtain a transaction result fed back by the settlement institution terminal;
and the synchronous sending unit is used for synchronously sending the transaction result to the payment terminal and the merchant terminal.
In a third aspect, the embodiment of the present invention further provides a computer device, where a payment terminal, a merchant terminal, or a settlement processing terminal in a payment system may be implemented as the computer device, where the computer device includes a processor, a network interface, a memory, and a communication bus, where the processor, the network interface, and the memory complete communication with each other through the communication bus;
a memory for storing a computer program;
a processor for executing the program stored on the memory;
And when the processors respectively corresponding to the payment terminal, the merchant terminal and the settlement processing terminal execute the programs stored in the memory at the same time, the steps of the payment method based on the dynamic payment code generation according to the first aspect are realized.
In a fourth aspect, embodiments of the present invention also provide a computer readable storage medium having stored thereon a computer program, wherein the computer program when executed by a processor implements the steps of the dynamic payment code generation based payment method as described in the first aspect above.
The embodiment of the invention provides a payment method, a system, equipment and a medium based on dynamic payment code generation, wherein the method comprises the steps that a mobile terminal wakes up an installation-free application when receiving tag information, generates corresponding tag binding information through the installation-free application and sends the tag binding information to a settlement terminal, a settlement processing terminal receives the tag binding information and stores the tag binding information, a dynamic payment code is generated through the installation-free application, a merchant terminal receives the payment code information, generates a corresponding payment request and sends the payment request to the settlement processing terminal, the settlement processing terminal checks the payment request, and if the check result is passed, a settlement processing request corresponding to the payment request is sent to the settlement mechanism terminal to obtain a transaction result, and the transaction result is synchronously sent to the payment terminal and the merchant terminal. According to the payment method, the payment operation can be completed quickly by acquiring the label information of the payment card to generate the dynamic payment code, the payment flow can be simplified, the payment link can be shortened, and the payment efficiency is improved.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the drawings required for the description of the embodiments will be briefly described below, and it is obvious that the drawings in the following description are some embodiments of the present invention, and other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art.
FIG. 1 is a method flow chart of a payment method based on dynamic payment code generation provided by an embodiment of the present invention;
Fig. 2 is an application scenario schematic diagram of a payment method based on dynamic payment code generation according to an embodiment of the present invention;
FIG. 3 is a schematic block diagram of a payment system based on dynamic payment code generation provided by an embodiment of the present invention;
fig. 4 is a schematic block diagram of a computer device provided by an embodiment of the present invention.
Detailed Description
The following description of the embodiments of the present invention will be made clearly and fully with reference to the accompanying drawings, in which it is evident that the embodiments described are some, but not all embodiments of the invention. All other embodiments, which can be made by those skilled in the art based on the embodiments of the invention without making any inventive effort, are intended to be within the scope of the invention.
It should be understood that the terms "comprises" and "comprising," when used in this specification and the appended claims, specify the presence of stated features, integers, steps, operations, elements, and/or components, but do not preclude the presence or addition of one or more other features, integers, steps, operations, elements, components, and/or groups thereof.
It is also to be understood that the terminology used in the description of the invention is for the purpose of describing particular embodiments only and is not intended to be limiting of the invention. As used in this specification and the appended claims, the singular forms "a," "an," and "the" are intended to include the plural forms as well, unless the context clearly indicates otherwise.
It should be further understood that the term "and/or" as used in the present specification and the appended claims refers to any and all possible combinations of one or more of the associated listed items, and includes such combinations.
Referring to fig. 1 and fig. 2, as shown in the drawings, an embodiment of the present application provides a payment method based on dynamic payment code generation, which is applied to a payment system 100, where the payment system 100 includes a payment terminal 10, a merchant terminal 20 and a settlement processing terminal 30, the merchant terminal 20 and the payment terminal 10 are respectively in communication connection with the settlement processing terminal 30 to realize transmission of data information, and the settlement processing terminal 30 is in communication connection with a settlement institution terminal (e.g. a bank, a Union-of-bank, etc.) to realize transmission of data information. The method is implemented through application software installed in a payment terminal 10, a merchant terminal 20 and a settlement processing terminal 30, wherein the payment terminal 10 is a terminal device for scanning a payment card and acquiring tag information, the payment terminal 10 is also required to be provided with a display panel and display information, the payment terminal 10 can be a mobile phone, a tablet computer and the like, the merchant terminal 20 is a terminal device which is configured at a merchant terminal and inputs and transmits information, such as a POS machine, a desktop computer and the like, the merchant terminal 20 can scan a dynamic payment code displayed on the payment terminal 10 through a code scanning gun and acquire corresponding payment code information, and the settlement processing terminal 30 is a terminal device which is configured in a settlement enterprise and is used for processing settlement information, such as a cluster server which supports settlement processing of massive payment requests. In the example of the present application, only a specific use process of payment by one payment terminal 10 and one merchant terminal 20 is shown, and in an actual application process, multiple merchant terminals 20 can scan dynamic payment codes on one payment terminal 10 respectively, so as to realize synchronous processing of payment requests corresponding to the multiple merchant terminals 20 respectively. As shown in FIG. 1, the method includes steps S110 to S190.
S110, if the payment terminal receives the input tag information, waking up the installation-free application according to the tag information.
And if the payment terminal receives the input label information, waking up the installation-free application according to the label information. The tag information comprises NFC tag information obtained by identifying an NFC tag in the payment card. The payment terminal can receive input label information, the label information comprises NFC label information corresponding to a payment card, specifically, the payment terminal can sense the payment card, the payment card is a small-amount unnamed payment card sold by enterprises and institutions in off-line network, NFC labels are arranged in the payment card, and the payment terminal senses and identifies the NFC labels in the payment card, so that the corresponding NFC label information is obtained and used as label information.
The NFC tag information comprises an application wake-up instruction, and the payment terminal wakes up the installation-free application correspondingly according to the application wake-up instruction in the NFC tag information. The installation-free application can be a light application app in the ios system or a Google installation-free application in the android system.
And S120, the installation-free application in the payment terminal generates tag binding information corresponding to the tag information and sends the tag binding information to the settlement processing terminal.
And the installation-free application in the payment terminal generates tag binding information corresponding to the tag information and sends the tag binding information to the settlement processing terminal. The label information and the terminal identification information of the payment terminal can be further bound through the installation-free application, so that corresponding label binding information is generated, and the label binding information is sent to the settlement processing terminal. The label binding information comprises terminal identification information and label information of the payment terminal. The tag information includes NFC tag information, and the tag information may also include information such as NFC tag information and a payment card number, which may be used as a payment card activation code.
In another embodiment, the step S120 specifically includes obtaining terminal identification information of the payment terminal and binding the terminal identification information with the tag information to generate corresponding tag binding information, and sending the tag binding information to the settlement processing terminal.
Specifically, the terminal identification information of the payment terminal is obtained and bound with the tag information, so that corresponding tag binding information is generated and sent to the settlement processing terminal.
S130, the settlement processing terminal receives and stores the label binding information.
And the settlement processing terminal receives and stores the label binding information. The settlement processing terminal receives the label binding information, judges whether the stored label binding information conflicts with the newly received label binding information, and a payment card can only bind with the terminal identification information of one payment terminal. The method comprises the steps of judging whether stored label binding information contains label information matched with newly received label binding information or not, judging whether two groups of label binding information contain the same label information or not, if the two groups of label binding information contain the same label information, indicating that the label information of the payment card is bound and cannot be bound again, and not storing the newly received label binding information, and if the stored label binding information does not contain the label information matched with the newly received label binding information, indicating that the label information of the payment card is not bound, and storing the newly received label binding information.
And S140, the installation-free application in the payment terminal generates a dynamic payment code corresponding to the payment terminal and the tag information according to a preset bar code generation rule.
And the installation-free application in the payment terminal generates a dynamic payment code corresponding to the payment terminal and the tag information according to a preset bar code generation rule. The barcode generation rule is configured in the installation-free application, and the dynamic payment code corresponding to the payment terminal and the tag information can be generated according to the preset barcode generation rule. The payment terminal generates a dynamic payment code corresponding to the payment terminal and the tag information according to the bar code generation rule, and the dynamic payment code is updated every time a period of time, namely the dynamic payment code is invalid after being generated for a certain period of time. The dynamic payment code is a bar code for facilitating scanning payment, and can be a bar code or a two-dimensional code. Furthermore, after the settlement processing terminal successfully stores the label binding information, the settlement processing terminal can feed back the notification information which is successfully stored to the payment terminal, and the installation-free application of the payment terminal starts the processing step of generating the dynamic payment code after receiving the notification information.
In a specific embodiment, step S140 specifically includes analyzing NFC tag information in the tag information to obtain corresponding token information, determining a corresponding valid deadline according to a current time and a valid duration in a barcode generation rule, combining terminal identification information of the payment terminal, the token information and the valid deadline to obtain a corresponding dynamic sequence, and generating a dynamic payment code corresponding to the dynamic sequence according to a payment code template in the barcode generation rule.
And analyzing the NFC label information in the label information so as to obtain the token information therein, wherein the NFC label information is a continuous character string, and the token information can be obtained by intercepting characters with specific digits from the continuous character string. For example, the NFC tag information is a string containing 32 characters (the string may be represented by 10 or 16), the token information is located in the third to fourteenth bits of the string, and then the characters located in the third to fourteenth bits are intercepted from the string as the token information, and the wake-up instruction is applied to the seventeenth to thirty-second bits of the string.
Further, the corresponding effective deadline is determined according to the current time and the effective duration in the bar code generation rule. For example, if the effective duration is 2 minutes, the time point 2 minutes after the current time is determined to be the effective deadline, the corresponding generated dynamic payment codes are valid before the effective deadline, and the dynamic payment codes fail after the effective deadline.
Terminal identification information of the payment terminal is acquired, wherein the terminal identification information can be a Media Access Control (MAC) Address or International Mobile Equipment Identity (IMEI) information of the payment terminal, and the terminal identification information corresponds to the payment terminal one by one. And combining the terminal identification information, the token information and the effective deadline to obtain a dynamic sequence. Generating a dynamic payment code corresponding to the dynamic sequence according to a payment code template in the bar code generation rule, wherein the payment code template is used for configuring a display form of the payment code, for example, the payment code template can be a bar code template or a two-dimensional code template, and adding the dynamic sequence into the payment code template to generate the dynamic payment code corresponding to the display form.
In another embodiment, step S140 specifically includes analyzing NFC tag information in the tag information to obtain corresponding token information, checking whether the payment card number is matched with the token information according to a preset information checking rule to obtain a corresponding information checking result, if the information checking result is matched, determining a corresponding effective deadline according to the current time and an effective duration in a barcode generation rule, combining terminal identification information of the payment terminal, the token information, the payment card number and the effective deadline to obtain a corresponding dynamic sequence, and generating a dynamic payment code corresponding to the dynamic sequence according to a payment code template in the barcode generation rule.
The tag information may include NFC tag information and a payment card number, where the payment card number (may be 10-ary or 16-ary) may be checked by a user and manually input to the payment terminal, so that the payment terminal may simultaneously obtain the payment card number input by the user and NFC tag information obtained by identifying the NFC tag.
After the token information is obtained, whether the payment card number is matched with the token information or not can be checked according to the information checking rule, so that an information checking result whether the payment card number is matched with the token information or not is obtained. The information verification rule includes a specific rule for combining the payment card number and the token information, and if the information verification rule is that the payment card number and the token information are sequentially combined, then the payment card number and the token information are sequentially combined to obtain a combined character string, and the information verification rule may also be that the payment card number and the token information are combined at intervals (one character of the token information is inserted between two characters of the payment card number in a corresponding sequence), the payment card number and the token information are combined after hexadecimal negation, and the like. The computing process may be represented by c=a% B, where C is a remainder result, a is a combined string, and B is a character in the NFC tag information that is located before the token information. And judging whether the remainder result C is matched with a character positioned behind the token information in the NFC label information (namely, a character positioned behind the token information in the NFC label information is a verification character) so as to obtain an information verification result whether the payment card number is matched with the token information. Since the NFC tag information cannot be tampered, the validity of the corresponding payment card number can be checked through the NFC tag information, and therefore the safety of payment operation using the payment card is improved.
Further, under the condition that the information verification results are matched, the effective expiration time can be determined, the terminal identification information, the token information, the payment card number and the effective expiration time are combined to generate a dynamic sequence and a corresponding dynamic payment code, and the specific processing process is similar to the above process. If the information verification result is not matched, the prompt information that the payment cannot be carried out is directly displayed on the payment terminal.
And S150, if the merchant terminal receives the payment code information corresponding to the dynamic payment code, generating a payment request corresponding to the payment code information, the merchant terminal and the payment amount according to a preset request generation rule.
And if the merchant terminal receives the payment code information corresponding to the dynamic payment code, generating a payment request corresponding to the payment code information, the merchant terminal and the payment amount according to a preset request generation rule. And the payment code information is obtained by scanning the dynamic payment code by the merchant terminal. The merchant information can scan the dynamic payment code through the scanning gun and acquire payment code information corresponding to the dynamic payment code, the payment code information is a character sequence obtained by analyzing and restoring the scanned information, usually, binary sequences (black represents '1' and white represents '0' in the dynamic payment code) can be obtained by scanning the dynamic payment code, the binary sequences are formed by combining black information and white information, and the payment code information can be obtained by analyzing and restoring the binary sequences.
The merchant terminal further generates a payment request corresponding to the payment code information, the merchant terminal and the payment amount according to the request generation rule, wherein the payment request is the request information submitted to the settlement processing terminal for payment. The payment amount is input by the merchant on the merchant terminal, for example, the merchant can input the payment amount first and then scan the dynamic payment code through the code scanning gun, or can scan the dynamic payment code through the code scanning gun and then input the payment amount.
In another embodiment, the step S150 specifically includes obtaining merchant identification information corresponding to the merchant terminal, combining the payment code information, the merchant identification information and the payment amount to obtain a corresponding combined sequence, and encrypting the combined sequence according to an encryption policy in the request generation rule and the merchant identification information to generate corresponding encryption information as the payment request.
Specifically, merchant identification information corresponding to a merchant terminal can be obtained, payment code information, merchant identification information and payment amount are combined to obtain a corresponding combined sequence, the combined sequence is encrypted by an encryption strategy and a public key by taking the merchant identification information as a public key, and corresponding encryption information is generated, and the obtained encryption information can be used as a payment request. The encryption strategy can be an asymmetric encryption strategy such as elliptic curve encryption algorithm, RSA algorithm and the like, and the information is encrypted to obtain a payment request and then transmitted, so that the security risk of transmitting the information in the public network can be avoided, and the payment security is improved.
And S160, the merchant terminal sends the payment request to the settlement processing terminal.
And the merchant terminal sends the generated payment request to the settlement processing terminal.
S170, the settlement processing terminal checks the payment request according to a preset check rule and stored label binding information to obtain a check result whether the payment request passes or not.
And the settlement processing terminal checks the payment request according to a preset check rule and stored label binding information to obtain a check result whether the payment request passes or not. After receiving the payment request, the settlement processing terminal checks the payment request according to a pre-configured check rule and stored label binding information, so as to obtain a check result of whether the payment request passes or not. The settlement processing terminal is not a terminal device configured in a financial institution, and cannot complete the actual settlement processing.
In another embodiment, step S170 specifically includes obtaining merchant identification information corresponding to a sending address of the payment request, decrypting the payment request according to a decryption policy in the verification rule and the merchant identification information to obtain a corresponding decryption sequence, determining whether the merchant identification information corresponds to the decryption sequence to obtain a first determination result, determining whether the current time does not reach a valid expiration time in the decryption sequence to obtain a second determination result, determining whether the decryption sequence is matched with a stored set of tag binding information to obtain a third determination result, determining whether the payment amount in the decryption sequence does not exceed a remaining amount of the payment card corresponding to the decryption sequence to obtain a fourth determination result, if the four sets of determination results are yes, obtaining a verification result passing verification, and if one set of determination results is no, obtaining a verification result failing verification.
Specifically, when the payment request is sent to the settlement processing terminal, the settlement processing terminal can acquire a sending address corresponding to the payment request, each merchant terminal corresponds to one sending address, merchant identification information corresponding to the merchant terminal can be acquired according to the sending address, a matched private key can be acquired from a secret key database through the merchant identification information, and a public key of the same merchant identification information corresponds to the private key. And decrypting the payment request according to the decryption strategy and a private key corresponding to the merchant identification information, thereby obtaining a corresponding decryption sequence, wherein the decryption strategy is an inverse operation strategy corresponding to the encryption strategy.
Further, judging whether the merchant identification information is matched with a character sequence corresponding to the merchant identification information in the decryption sequence or not, so as to obtain a first judgment result whether the merchant identification information corresponds to the decryption sequence or not, further obtaining the current time, judging whether the current time reaches the effective deadline in the decryption sequence or not, if the current time reaches the effective deadline, indicating that the generated dynamic payment code is invalid, requiring the payment terminal to generate a new dynamic payment code again, and repeating the steps S110-S160, and if the current time does not reach the effective deadline, indicating that the generated dynamic payment code is valid.
And then judging whether the decryption sequence is matched with a group of stored label binding information, acquiring corresponding decryption token information from the decryption sequence, judging whether the stored label binding information contains the label binding information of the decryption token information, if so, acquiring the label binding information containing the decryption token information as comparison binding information, and further judging whether the decryption merchant identification information in the decryption sequence is matched with the merchant identification information in the comparison binding information, thereby obtaining a third judgment result of whether the decryption sequence is matched with the stored group of label binding information.
If the third judging result is that the two pieces of the token information are matched, locking the label binding information of the decrypted token information as comparison binding information, for example, adding a data lock into the comparison binding information or performing hexadecimal inversion on the token information in the comparison binding information to ensure that the locked token information in the comparison binding information cannot be matched again before the payment is completed.
The settlement processing terminal also stores the residual amount corresponding to each payment card, when the settlement processing terminal acquires the label binding information for the first time, the settlement processing terminal initializes the residual amount of the payment card corresponding to the label binding information, and then deducts and updates the residual amount after each payment settlement. And judging whether the payment amount in the decryption sequence does not exceed the residual amount of the payment card corresponding to the decryption sequence, so as to obtain a fourth judgment result.
If the four groups of judging results of the first judging result, the second judging result, the third judging result and the fourth judging result are all yes, a verification result passing the verification is obtained; if one of the group of judgment results is negative, a verification result which is not passed by the verification is obtained.
And S180, if the verification result is passed, the settlement processing terminal sends a settlement processing request corresponding to the payment request to a settlement institution terminal so as to acquire a transaction result fed back by the settlement institution terminal.
And if the verification result is passed, the settlement processing terminal sends a settlement processing request corresponding to the payment request to a settlement institution terminal so as to acquire a transaction result fed back by the settlement institution terminal. If the verification result is passed, the settlement processing terminal sends a settlement processing request corresponding to the payment request to the settlement institution terminal, the settlement institution terminal completes the settlement operation of the corresponding payment amount, the actual settlement processing is operated in the settlement institution terminal, and only the settlement institution terminal can transfer the amounts in different accounts, the amounts in the payment card are transferred to the account corresponding to the merchant terminal. The transaction result contains transaction amount and prompt information of success or failure of the transaction.
The settlement processing terminal updates the contrast binding information (namely, a group of label binding information corresponding to the decryption sequence) according to the received transaction result, specifically, updates the residual amount of the contrast binding information according to the transaction result, and then unlocks the locked label binding information.
In another embodiment, after step S170, the method further includes sending prompt information of payment failure to the payment terminal and the merchant terminal synchronously if the verification result is not passed. If the verification result is not passed, the settlement processing terminal synchronously sends prompt information of payment failure to the payment terminal and the merchant terminal.
And S190, the settlement processing terminal synchronously transmits the transaction result to the payment terminal and the merchant terminal.
And the settlement processing terminal synchronously transmits the transaction result to the payment terminal and the merchant terminal. And after the settlement processing terminal synchronously sends the transaction result to the payment terminal and the merchant terminal, thereby completing the payment.
The method comprises the steps that when the mobile terminal receives tag information, the mobile terminal wakes up the installation-free application, generates corresponding tag binding information through the installation-free application and sends the tag binding information to the settlement terminal, the settlement processing terminal receives the tag binding information and stores the tag binding information, when the installation-free application generates dynamic payment codes, the merchant terminal receives the payment code information, generates a corresponding payment request and sends the payment request to the settlement processing terminal, the settlement processing terminal checks the payment request, and if the check result is passed, the settlement processing request corresponding to the payment request is sent to the settlement institution terminal to obtain a transaction result, and the transaction result is synchronously sent to the payment terminal and the merchant terminal. According to the payment method, the payment operation can be completed quickly by acquiring the label information of the payment card to generate the dynamic payment code, the payment flow can be simplified, the payment link can be shortened, and the payment efficiency is improved.
The embodiment of the invention also provides a payment system based on dynamic payment code generation, which comprises a payment terminal, a merchant terminal and a settlement processing terminal, wherein the merchant terminal and the payment terminal are respectively in communication connection with the settlement processing terminal to realize the transmission of data information. In particular, referring to fig. 3, fig. 3 is a schematic block diagram of a payment system based on dynamic payment code generation according to an embodiment of the present invention.
As shown in fig. 3, the payment system 100 based on dynamic payment code generation includes an application wake-up unit 101, a dynamic payment code generation unit 102, and a tag binding information transmission unit 103, which are disposed in the payment terminal 10, a storage unit 301, a payment request verification unit 302, a settlement processing request transmission unit 303, and a synchronization transmission unit 304, which are disposed in the settlement processing terminal 30, and a payment request generation unit 201 and a payment request transmission unit 202, which are disposed in the merchant terminal 20.
The application wake-up unit 101 is configured to wake up the installation-free application according to the tag information if the input tag information is received, where the tag information includes NFC tag information obtained by identifying an NFC tag in the payment card.
The tag binding information sending unit 103 is configured to generate tag binding information corresponding to the tag information by an installation-free application in the payment terminal, and send the tag binding information to the settlement processing terminal.
The storage unit 301 is configured to receive and store the tag binding information.
The dynamic payment code generating unit 102 is configured to generate a dynamic payment code corresponding to the payment terminal and the tag information according to a preset barcode generating rule by using an installation-free application in the payment terminal.
The payment request generating unit 201 is configured to generate, if payment code information corresponding to the dynamic payment code is received, a payment request corresponding to the payment code information, the merchant terminal and the payment amount according to a preset request generation rule, where the payment code information is obtained by scanning the dynamic payment code by the merchant terminal.
The payment request sending unit 202 is configured to send the payment request to the settlement processing terminal.
The payment request checking unit 302 is configured to check the payment request according to a preset check rule and stored tag binding information, to obtain a check result that whether the payment request passes.
The settlement processing request sending unit 303 is configured to send a settlement processing request corresponding to the payment request to a settlement institution terminal if the verification result is passed, so as to obtain a transaction result fed back by the settlement institution terminal.
The synchronous sending unit 304 is configured to send the transaction result to the payment terminal and the merchant terminal synchronously.
According to the payment method based on dynamic payment code generation, the mobile terminal wakes up the installation-free application when receiving the tag information, generates corresponding tag binding information through the installation-free application and sends the tag binding information to the settlement terminal, the settlement processing terminal receives the tag binding information and stores the tag binding information, the dynamic payment code is generated through the installation-free application, the merchant terminal receives the payment code information, generates a corresponding payment request and sends the payment request to the settlement processing terminal, the settlement processing terminal checks the payment request, if the check result is passed, the settlement processing request corresponding to the payment request is sent to the settlement mechanism terminal to obtain a transaction result, and the transaction result is synchronously sent to the payment terminal and the merchant terminal. According to the payment method, the payment operation can be completed quickly by acquiring the label information of the payment card to generate the dynamic payment code, the payment flow can be simplified, the payment link can be shortened, and the payment efficiency is improved.
The units comprised in the above described dynamic payment code based generated payment system may be implemented in the form of a computer program which may be run on a computer device as shown in fig. 4.
Referring to fig. 4, fig. 4 is a schematic block diagram of a computer device according to an embodiment of the present invention. The computer device may be a payment terminal, a merchant terminal or a settlement processing terminal for executing a payment method based on dynamic payment code generation to achieve quick payment, that is, the payment terminal, the merchant terminal or the settlement processing terminal in the payment system may be all implemented as the computer device. When the processor corresponding to the payment terminal executes the program stored in the memory thereof, the processor corresponding to the merchant terminal executes the program stored in the memory thereof, and the processor corresponding to the settlement processing terminal executes the program stored in the memory thereof, the steps of the payment method based on dynamic payment code generation described in the above embodiment are implemented.
Referring to fig. 4, the computer device 500 includes a processor 502, a memory, and a network interface 505, which are connected by a communication bus 501, wherein the memory may include a storage medium 503 and an internal memory 504.
The storage medium 503 may store an operating system 5031 and a computer program 5032. The computer program 5032, when executed, may cause the processor 502 to perform a payment method based on dynamic payment code generation, wherein the storage medium 503 may be a volatile storage medium or a non-volatile storage medium.
The processor 502 is used to provide computing and control capabilities to support the operation of the overall computer device 500.
The internal memory 504 provides an environment for the execution of a computer program 5032 in the storage medium 503, which computer program 5032, when executed by the processor 502, causes the processor 502 to perform a payment method based on dynamic payment code generation.
The network interface 505 is used for network communication, such as providing for transmission of data information, etc. It will be appreciated by those skilled in the art that the architecture shown in fig. 4 is merely a block diagram of some of the architecture relevant to the present inventive arrangements and is not limiting of the computer device 500 to which the present inventive arrangements may be implemented, and that a particular computer device 500 may include more or fewer components than shown, or may combine some of the components, or have a different arrangement of components.
The processor 502 is configured to execute a computer program 5032 stored in a memory, so as to implement the corresponding functions in the payment method based on dynamic payment code generation.
Those skilled in the art will appreciate that the embodiment of the computer device shown in fig. 4 is not limiting of the specific construction of the computer device, and in other embodiments, the computer device may include more or less components than those shown, or certain components may be combined, or a different arrangement of components. For example, in some embodiments, the computer device may include only a memory and a processor, and in such embodiments, the structure and function of the memory and the processor are consistent with the embodiment shown in fig. 4, and will not be described again.
It should be appreciated that in embodiments of the present invention, the Processor 502 may be a central processing unit (Central Processing Unit, CPU), the Processor 502 may also be other general purpose processors, digital signal processors (DIGITAL SIGNAL processors, DSPs), application SPECIFIC INTEGRATED Circuits (ASICs), off-the-shelf Programmable gate arrays (Field-Programmable GATE ARRAY, FPGA) or other Programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, or the like. Wherein the general purpose processor may be a microprocessor or the processor may be any conventional processor or the like.
In another embodiment of the invention, a computer-readable storage medium is provided. The computer readable storage medium may be a volatile or nonvolatile computer readable storage medium. The computer readable storage medium stores a computer program which when executed by a processor implements the steps involved in the dynamic payment code generation based payment method described above.
It will be clearly understood by those skilled in the art that, for convenience and brevity of description, specific working procedures of the apparatus, device and unit described above may refer to corresponding procedures in the foregoing method embodiments, which are not repeated herein. Those of ordinary skill in the art will appreciate that the elements and algorithm steps described in connection with the embodiments disclosed herein may be embodied in electronic hardware, in computer software, or in a combination of the two, and that the elements and steps of the examples have been generally described in terms of function in the foregoing description to clearly illustrate the interchangeability of hardware and software. Whether such functionality is implemented as hardware or software depends upon the particular application and design constraints imposed on the solution. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present invention.
In the several embodiments provided by the present invention, it should be understood that the disclosed apparatus, device and method may be implemented in other manners. For example, the apparatus embodiments described above are merely illustrative, and for example, the division of the units is merely a logical function division, there may be another division manner in actual implementation, or units having the same function may be integrated into one unit, for example, multiple units or components may be combined or may be integrated into another system, or some features may be omitted, or not performed. In addition, the coupling or direct coupling or communication connection shown or discussed with each other may be an indirect coupling or communication connection via some interfaces, devices, or elements, or may be an electrical, mechanical, or other form of connection.
The units described as separate units may or may not be physically separate, and units shown as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the units may be selected according to actual needs to achieve the purpose of the embodiment of the present invention.
In addition, each functional unit in the embodiments of the present invention may be integrated in one processing unit, or each unit may exist alone physically, or two or more units may be integrated in one unit. The integrated units may be implemented in hardware or in software functional units.
The integrated units, if implemented in the form of software functional units and sold or used as stand-alone products, may be stored in a computer readable storage medium. Based on such understanding, the technical solution of the present invention is essentially or part of what contributes to the prior art, or all or part of the technical solution may be embodied in the form of a software product stored in a computer-readable storage medium, comprising several instructions for causing a computer device (which may be a personal computer, a server, a network device, etc.) to perform all or part of the steps of the method according to the embodiments of the present invention. The computer readable storage medium includes various media capable of storing program codes, such as a usb (universal serial bus), a removable hard disk, a Read-Only Memory (ROM), a magnetic disk, or an optical disk.
While the invention has been described with reference to certain preferred embodiments, it will be understood by those skilled in the art that various changes and substitutions of equivalents may be made and equivalents will be apparent to those skilled in the art without departing from the scope of the invention. Therefore, the protection scope of the invention is subject to the protection scope of the claims.
Claims (10)
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| CN109359968A (en) * | 2018-09-28 | 2019-02-19 | 中国工商银行股份有限公司 | A kind of method of payment, device, electronic equipment and payment label |
| CN111684481A (en) * | 2019-07-05 | 2020-09-18 | 深圳海付移通科技有限公司 | Aggregated payment method and related equipment |
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| KR101934293B1 (en) * | 2012-08-03 | 2019-01-02 | 엘지전자 주식회사 | Mobile terminal and nfc payment method thereof |
| US11113685B2 (en) * | 2019-12-23 | 2021-09-07 | Capital One Services, Llc | Card issuing with restricted virtual numbers |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN109359968A (en) * | 2018-09-28 | 2019-02-19 | 中国工商银行股份有限公司 | A kind of method of payment, device, electronic equipment and payment label |
| CN111684481A (en) * | 2019-07-05 | 2020-09-18 | 深圳海付移通科技有限公司 | Aggregated payment method and related equipment |
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