CN110599155A - Payment method and payment system - Google Patents
Payment method and payment system Download PDFInfo
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- CN110599155A CN110599155A CN201910718178.2A CN201910718178A CN110599155A CN 110599155 A CN110599155 A CN 110599155A CN 201910718178 A CN201910718178 A CN 201910718178A CN 110599155 A CN110599155 A CN 110599155A
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- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
- G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
- G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
- G06K19/06009—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code with optically detectable marking
- G06K19/06037—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code with optically detectable marking multi-dimensional coding
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- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- 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
- G06—COMPUTING OR CALCULATING; COUNTING
- 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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
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Abstract
The application is applicable to the technical field of payment, and provides a payment method and a payment system, wherein the payment method comprises the steps of binding off-line equipment information and a payment account number in a correlation manner, generating a payment two-dimensional code carrying the off-line equipment information on the off-line equipment, scanning the payment two-dimensional code by a payment terminal to send a payment request to a target server, initiating a payment task to a transaction server corresponding to a payment identifier according to the payment request when the target server receives the payment request, and completing the operation of payment to the payment account number by the transaction server according to the payment task, wherein the off-line equipment is used as the generation equipment of the payment two-dimensional code and does not need to perform data interaction with the target server or the transaction server in the whole payment process because the payment terminal performs data transmission with the target server, so that the cost of the off-line equipment is reduced, provides a payment scheme with lower realization cost for merchants.
Description
Technical Field
The application belongs to the technical field of payment, and particularly relates to a payment method and a payment system.
Background
With the increasing popularity of mobile terminals, electronic payment is also widely used in various scenarios. For example, in the transaction process, the customer can show the payment two-dimensional code on the mobile terminal to the merchant, and the merchant scans the payment two-dimensional code through two-dimensional code scanning, so as to complete the payment operation.
However, for the corresponding merchant, after the two-dimensional code is scanned by the two-dimensional code scanning gun, the upper computer connected to the two-dimensional code scanning gun needs to initiate a payment request or a transaction task to the server corresponding to the two-dimensional code, so that the upper computer with a communication function needs to be configured for the merchant, and the implementation cost of the merchant is increased.
Disclosure of Invention
In view of this, embodiments of the present application provide a payment method and a payment system to solve the problem that an implementation cost of an existing payment method is high.
A first aspect of an embodiment of the present application provides a payment method, including:
if the offline device detects a preset money receiving operation, a money receiving two-dimensional code carrying offline device information is generated; the offline device information is associated and bound with a collection account;
the payment terminal scans the collection two-dimensional code to send a payment request to a target server; the payment terminal and the payment account are bound with each other; the payment request carries a payment identifier corresponding to the payment account;
the target server initiates a payment task to a transaction server corresponding to the payment identifier according to the payment request; and the transaction server is used for completing the operation of paying from the payment account number to the collection account number according to the payment task.
A second aspect of an embodiment of the present application provides a payment system, including:
the offline device is used for generating a collection two-dimensional code carrying information of the offline device if a preset collection operation is detected; the offline device information is associated and bound with a collection account;
the payment terminal is used for scanning the collection two-dimensional code so as to send a payment request to the target server; the payment terminal and the payment account are bound with each other; the payment request carries a payment identifier corresponding to the payment account;
the target server is used for initiating a payment task to the transaction server corresponding to the payment identifier according to the payment request; and the transaction server is used for completing the operation of paying from the payment account number to the collection account number according to the payment task.
The implementation of the payment method and the payment system provided by the embodiment of the application has the following beneficial effects:
the payment method provided by the embodiment of the application generates a collection two-dimensional code carrying the off-line equipment information on the off-line equipment by binding the off-line equipment information with the collection account number in a correlation manner, scans the collection two-dimensional code by the payment terminal to send a payment request to the target server, and carries a payment identifier corresponding to the payment account number by binding the payment terminal and the payment account number with each other in the payment request, when the target server receives the payment request, initiates a payment task to a transaction server corresponding to the payment identifier according to the payment request, and then the transaction server is used for completing the operation of paying to the collection account number by the payment account number according to the payment task, because the data transmission is carried out by the payment terminal and the target server in the whole payment process, the off-line equipment is used as the generation equipment of the collection two-dimensional code and does not need to carry out data interaction with the, therefore, the cost of the off-line equipment is reduced, and a payment scheme with lower implementation cost is provided for merchants.
Drawings
In order to more clearly illustrate the technical solutions in the embodiments of the present application, the drawings needed to be used in the embodiments or the prior art descriptions will be briefly described below, and it is obvious that the drawings in the following description are only some embodiments of the present application, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without inventive exercise.
Fig. 1 is a flowchart of an implementation of a payment method provided in an embodiment of the present application;
FIG. 2 is a flow chart of an implementation of a payment method provided in another embodiment of the present application;
fig. 3 is a block diagram of a payment system according to an embodiment of the present disclosure.
Detailed Description
In order to make the objects, technical solutions and advantages of the present application more apparent, the present application is described in further detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the present application and are not intended to limit the present application.
Referring to fig. 1, fig. 1 is a flowchart illustrating an implementation of a payment method according to an embodiment of the present disclosure.
The payment method as shown in fig. 1 comprises the following steps:
s11: if the offline device detects a preset money receiving operation, a money receiving two-dimensional code carrying offline device information is generated; and the offline device information is associated and bound with the collection account.
In step S11, the offline device is a device for displaying the two-dimensional code of the payment in the payment process. It can be understood that by pre-configuring a two-dimensional code generation policy to the offline device, the offline device can generate a collection two-dimensional code carrying information of the offline device when detecting a preset collection operation. The offline device information is a distinguishing identifier of the offline device, and is used for distinguishing the offline device by other terminals or devices according to different offline device information in an environment with a plurality of offline devices. The collection account is an account of a merchant to which the offline device belongs, and the collection two-dimensional code carries the offline device information, and the offline device information is associated and bound with the collection account, so that a service process of resource payment to the collection account can be initiated by scanning the two-dimensional code.
In all embodiments of the present application, the object to which the payment is directed may be a virtual resource or a real resource. And the virtual resources and the real resources can also have specific exchange relationship. For example, the real resource may be transaction currency circulating in reality, and the virtual resource may be points converted from the real currency, virtual transaction currency, and the like.
In practical applications, the transaction activity requires payment of resources, for example, when people purchase goods, consumers need to pay corresponding money to merchants. In the transaction process, the off-line equipment is only used for generating and displaying a collection two-dimensional code carrying information of the off-line equipment, and the payment terminal initiates a payment service and completes payment operation in a code scanning mode.
As for when the offline device detects the preset cash collecting operation, the following two scenarios may be specifically included, but not limited to.
Scene 1: when a merchant initiates a collection task on an offline device, a preset collection operation is detected on the offline device.
For example, when a merchant inputs a collection amount on an offline device and clicks a collection button on the offline device, the offline device detects a preset collection operation.
Scene 2: the collection terminal triggers a collection instruction to the off-line equipment through electric connection or wireless connection, and then triggers a preset collection operation on the off-line equipment.
For example, the payment receiving terminal may be a payment receiving computer in a supermarket, and when a commodity purchased by a consumer is settled, the payment receiving terminal triggers a payment receiving instruction to an offline device electrically connected to the payment receiving terminal, or the payment receiving terminal sends the payment receiving instruction to an offline device around the payment receiving terminal in a wireless communication manner, so that the offline device detects a preset payment receiving operation.
As a possible implementation manner of this embodiment, the offline device information includes: organization code and dynamic time parameters. Step S11 specifically includes:
if the offline equipment detects a preset payment receiving operation, acquiring the mechanism code from a local database, and generating a dynamic time parameter based on the current time information; the offline equipment calls a preset collection two-dimensional code generation tool and generates a collection two-dimensional code based on the mechanism code and the dynamic time parameter; and the dynamic time parameter is used for describing the valid period of the two-dimensional code.
In this embodiment, the local database is a database pre-constructed in the offline device, and the organization code is an identifier for distinguishing the offline device. The two-dimensional code collection generating tool can be an existing two-dimensional code collecting generating tool, and the two-dimensional code collection generating tool can generate a corresponding two-dimensional code picture based on the mechanism code and the dynamic time parameter, namely generate a two-dimensional code collection carrying the mechanism code and the dynamic time parameter.
In practical application, in each new transaction process, a new collection two-dimensional code is regenerated on the off-line equipment, so that in order to avoid misoperation of a subsequent consumer caused by the fact that the collection two-dimensional codes are displayed on a plurality of off-line equipment at the same time, the collection two-dimensional code corresponding to a previous consumer is scanned, and a dynamic time parameter is also carried in the collection two-dimensional code, so that when a payment terminal scans the collection two-dimensional code to send a payment request to a target server, the misoperation caused by scanning of a non-corresponding terminal outside the validity period of the collection two-dimensional code can be avoided on the basis of the dynamic time parameter carried in the request.
S12: the payment terminal scans the collection two-dimensional code to send a payment request to a target server; the payment terminal and the payment account are bound with each other; the payment request carries a payment identifier corresponding to the payment account.
In step S12, the payment terminal is a terminal for making payment of resources for a payer, such as a consumer. The payment account number is used to identify a payment account used by the payer to make the resource payment. The payment identification is used to distinguish a payment application associated with the payment account. The target server is a server side for providing binding service for the offline device, and in the process of using the offline device to perform payment transaction, the target server serves as a gateway for information verification to provide information security service for payment service, so that the payment security of the payment terminal is guaranteed.
In all embodiments of the application, when the user performs the payment operation by using the payment terminal, the two-dimensional collection code can be scanned by starting the camera of the payment terminal, and then a payment request is sent to the target server. Because the payment terminal and the payment account are bound with each other, and the payment request carries the payment identifier corresponding to the payment account, the target server can determine the payment account based on the payment request, and can distinguish the payment application associated with the payment account according to the payment identifier and the payment account.
It should be noted that the payment application is an application for associating with a payment account, so as to facilitate a user to consume by using a payment terminal, such as WeChat and Paibao.
Taking the example that the payment account number points to the bank deposit card of the consumer, the payment account number is the card number of the bank deposit card, and the payment identifier is used for describing whether the application for payment is WeChat or Paibao and is bound with the card number of the bank deposit card.
As a possible implementation manner of this embodiment, step S12 specifically includes:
the payment terminal scans the collection two-dimensional code through the payment application logged in the payment account so as to send a domain name redirection request carrying the mechanism code to the skip server; the skip server is used for determining a target domain name from a preset redirection list according to the mechanism code and returning the target domain name to the payment terminal; and the payment terminal sends a payment request carrying the dynamic time parameter to the target server based on the target domain name.
In this embodiment, the jump server may be a server for monitoring the union pay transaction, and the server is configured with a preset redirection list. The payment request carries a mechanism code, the payment terminal sends the payment request to a target server, specifically, the domain name redirection request carrying the mechanism code is sent to a jump server, the jump server determines a target domain name from a preset redirection list according to the mechanism code and returns the target domain name to the payment terminal, and the payment terminal sends the payment request carrying the dynamic time parameter to the target server based on the target domain name. The target server can judge the dynamic time parameter carried in the payment request to determine whether the current time is within the valid period of the two-dimensional code to be collected, and the probability that the payment terminal scans the two-dimensional code to be collected for carrying out the wrong payment can be reduced.
S13: the target server initiates a payment task to a transaction server corresponding to the payment identifier according to the payment request; and the transaction server is used for completing the operation of paying from the payment account number to the collection account number according to the payment task.
In step S13, the target server is a server that provides an association binding for the offline device information and the collection account, and is used to implement the association binding between the offline device and the collection account. The transaction server is a server corresponding to the payment application running on the payment terminal when the payment terminal performs the payment operation. Because the information in the payment task describes the payment account number and the collection account number, the transaction server can complete the operation of payment from the payment account number to the collection account number based on the content described in the payment task.
In the process of using the off-line equipment to carry out payment transaction, the target server serves as a gateway for information verification to provide information security service for payment service, and the payment security of the payment terminal is guaranteed. Specifically, the two-dimension code generation strategy is pre-configured in the off-line equipment, so that when the off-line equipment generates the collection two-dimension code, all information carried by the collection two-dimension code can be encrypted, the terminal sends the payment request to the target server by scanning the collection two-dimension code, and the information carried by the payment request is the information encrypted by the off-line equipment, and the encrypted information is decrypted and verified by the target server, so that the payment request can be prevented from being maliciously copied or imitated, and the target server is prevented from responding to the payment request sent by a non-payment terminal.
As a possible implementation manner of this embodiment, step S13 may include:
and if the target server determines that the validity period of the two-dimensional code to be collected is not exceeded according to the dynamic time parameter, the target server initiates a payment task to a transaction server corresponding to the payment identifier.
In this embodiment, because the dynamic time parameter is used to describe the validity period of the two-dimensional code to be collected, the target server serves as a gateway for information verification to provide information security service for the payment service, and meanwhile, the target server also verifies the dynamic time parameter carried by the payment request, that is, determines whether the current time point is within the validity period of the two-dimensional code to be collected, which is described by the dynamic time parameter. And if the time point when the target server receives the payment request is within the valid period of the two-dimensional code for collection described by the dynamic time parameter, the target server initiates a payment task to the transaction server corresponding to the payment identifier.
It can be understood that, if the time point when the target server receives the payment request is not within the validity period of the two-dimensional code payment, which is described by the dynamic time parameter, the target server does not perform any operation, or returns information for prompting that the two-dimensional code payment is invalid to the payment terminal.
As can be seen from the above, in the payment method provided in this embodiment, the offline device information is associated and bound with the payee account, the payee two-dimensional code carrying the offline device information is generated on the offline device, the payment terminal scans the payee two-dimensional code and sends a payment request to the target server, the payment terminal is bound with the payee account, the payment request carries the payment identifier corresponding to the payee account, when the target server receives the payment request, a payment task is initiated to the transaction server corresponding to the payment identifier according to the payment request, and the transaction server is used to complete the operation of paying to the payee account according to the payment account, because the payment terminal and the target server perform data transmission in the whole payment process, the offline device serves as a generation device of the payee two-dimensional code and does not need data interaction with the target server or the transaction server, therefore, the cost of the off-line equipment is reduced, and a payment scheme with lower implementation cost is provided for merchants.
Referring to fig. 2, fig. 2 is a flowchart illustrating a payment method according to another embodiment of the present application. With respect to the embodiment shown in fig. 1, the method for playing video provided by this embodiment further includes steps S21 to S25 before step S11. The details are as follows:
s21: and if the offline device detects the preset binding operation, generating a binding two-dimensional code carrying the offline device information according to a preset binding two-dimensional code generation strategy.
In step S21, the preset binding two-dimensional code generation policy is used to describe a manner or step of generating the binding two-dimensional code by the offline device, and after the script file is executed by the offline device, and when the user triggers a preset binding operation on the offline device, the offline device generates the binding two-dimensional code carrying information of the offline device based on an execution statement in the script file by configuring the script file corresponding to the binding two-dimensional code generation policy to the offline device. The binding two-dimensional code is used for realizing binding between the offline device and the merchant, namely realizing associated binding between the offline device information and the cash register account, and realizing user binding or marking on the offline device.
As a possible implementation manner of this embodiment, the offline device information includes: an offline device serial number and offline device type information. Step S21 includes:
if the offline device detects a preset binding operation, acquiring the offline device serial number, the offline device type information and a device public key from a local database, and obtaining a binding two-dimensional code parameter based on the offline device serial number, the offline device type information and the device public key;
and the offline equipment calls a preset binding two-dimensional code generating tool and generates a binding two-dimensional code based on the binding two-dimensional code parameters.
In this embodiment, the device public key is used to encrypt the offline device serial number and the offline device type information, so as to obtain the bound two-dimensional code parameter. The binding two-dimensional code generation tool generates the binding two-dimensional code based on the binding two-dimensional code parameters, and the binding two-dimensional code parameters are data encrypted through the equipment public key, so that the data obtained by scanning the binding two-dimensional code are encrypted data.
It should be noted that the parameter of the bound two-dimensional code is a character string, and the length of the character string is used to describe the density of colored pixel points in a unit area when the bound two-dimensional code is displayed on the offline device. The two-dimensional code comprises colored pixel points and colorless pixel points, and the density of the colored pixel points in the unit area is used for describing the compactness of the colored pixel points of the two-dimensional code in the unit area. When a preset binding two-dimensional code generating tool is called to generate a binding two-dimensional code based on a binding two-dimensional code parameter, the binding two-dimensional code is a picture displayed on off-line equipment, and in order to enable the binding two-dimensional code to be displayed on the off-line equipment completely and to be scanned and identified by a money collection terminal, the number of characters of the binding two-dimensional code parameter is a numerical value of a preset character number interval. For example, if the preset character number interval is 220 to 280, the number of characters binding the two-dimensional code parameter may be any integer value within the interval 220 to 280.
It can be understood that the larger the number of the characters binding the two-dimensional code parameters is, the lower the density of the pixel points is, and the smaller the number of the characters binding the two-dimensional code parameters is, the higher the density of the pixel points is.
S22: and the collection terminal which logs in the collection account scans the binding two-dimensional code so as to send a binding request carrying the offline device information and the collection account to a target server.
In step S22, the target server is a server that provides an association binding for the offline device information and the collection account, and is used to implement the association binding between the offline device and the collection account. The target server provides associated binding for the offline device information and the collection account, specifically, the stored offline device information and the collection account are stored in a binding association list in an associated manner, and when the offline device needs to be bound and inquired, whether the corresponding offline device is bound with the collection account or not is inquired from the binding association list according to the offline device information.
As a possible implementation manner of this embodiment, step S22 includes:
and the collection terminal scans the binding two-dimensional code to send a binding request carrying the off-line equipment serial number, the off-line equipment type information, the equipment public key and the collection account number to a target server.
In this embodiment, the binding request is request information encrypted by a device public key, a private key corresponding to the device public key is built in the target server, when the target server receives the binding request sent by the receiving terminal, the binding request is decrypted according to the private key, and then whether the offline device is bound or not is determined according to the offline device type information.
S23: and the target server determines whether the offline equipment is bound according to the binding request.
In step S23, the binding request carries the offline device information and the payee account, and since a single payee account can establish a binding relationship with the offline device information of multiple offline devices, the offline device information can only be used for querying when determining whether the offline device is bound.
As a possible implementation manner of this embodiment, step S23 includes:
the target server calls a preset device private key to decrypt, decrypt and authenticate the binding request based on the device public key to obtain the off-line device serial number, the off-line device type information and the collection account number; the target server inquires whether the corresponding relation between the offline equipment serial number or the offline equipment type information and the collection account exists in a binding list; if the binding list has the corresponding relation between the offline equipment serial number or the offline equipment type information and the collection account, the target server determines that the offline equipment is bound; and if the binding list does not have the corresponding relation between the offline equipment serial number or the offline equipment type information and the collection account, the target server determines that the offline equipment is bound.
In this embodiment, the offline device serial number can also be used to characterize the type of the offline device, for example, a character string of the offline device serial number, where the type information may be configured, is used as the offline device type information. When the offline device serial number or the offline device type information exists in the binding list, the corresponding relation between the offline device and the collection account can be determined, and then the target server determines that the offline device is bound. When the offline device serial number or the offline device type information does not exist in the binding list, it can be determined that the corresponding relation does not exist between the offline device and the payment account, and the target server determines that the offline device is not bound.
S24: and if the offline device is not bound, the target server performs associated binding on the offline device information and the collection account.
In step S24, the offline device information and the payee account are associated and bound, specifically, the offline device information and the payee account are associated and stored in a binding list, and information in the binding list is used to describe a corresponding relationship between each piece of offline device information and the payee account.
It should be noted that the target server stores the offline device information and the payee account in the binding list in a correlated manner, that is, the offline device corresponding to the offline device information is marked to be bound, and the offline device information can be bound with only one payee account.
In order to improve the sustainable utilization rate of the offline device, when the collection account is cancelled, the target server performs data cleaning on the collection account and all offline device information bound with the collection account, so that the offline device information can be identified as unbound when whether the offline device information is bound with the collection account is determined again next time, and the offline device can be recycled.
It should be noted that, in the present embodiment, steps S21 to S25 are all performed before step S11, steps S11 to S14 are performed when step S24 is performed, and steps S11 to S14 are not performed when step S25 is performed.
As a possible implementation manner of this embodiment, after S24, the method further includes:
s25: and if the offline device is bound, the target server returns information for prompting that the offline device is bound to the collection terminal.
In this embodiment, the information for prompting that the offline device is bound may include: the offline device information and the payment account information bound with the offline device information.
It should be noted that step S24 and step S25 are parallel steps, and are not in sequence, but step S25 is not executed after step S24 is executed, and step S24 is not executed after step S25 is executed until the target server determines whether the offline device is bound according to the binding request again.
In the embodiment, the offline device information is associated and bound with the collection account number, the collection two-dimensional code carrying the offline device information is generated on the offline device, the collection two-dimensional code is scanned by the payment terminal and then a payment request is sent to the target server, the payment terminal and the payment account number are bound with each other, the payment request carries the payment identifier corresponding to the payment account number, when the target server receives the payment request, a payment task is initiated to the transaction server corresponding to the payment identifier according to the payment request, and then the transaction server is used for completing the operation of payment to the collection account number according to the payment task, because the data transmission is carried out by the payment terminal and the target server in the whole payment process, the offline device is used as the generation device of the collection two-dimensional code and does not need to carry out data interaction with the target server or the transaction server, therefore, the cost of the off-line equipment is reduced, and a payment scheme with lower implementation cost is provided for merchants.
In addition, the binding two-dimensional code carrying the information of the offline device is generated by the offline device according to a preset binding two-dimensional code generating strategy, the binding two-dimensional code is scanned by a collection terminal which logs in a collection account to send a binding request to a target server, and the binding request carries the information of the offline device and the collection account, so that the target server can determine whether the offline device is bound according to the binding request, further can perform binding inquiry on the offline device, prevent the binding phenomenon between the bound offline device and other collection accounts, and avoid the problem that the collection account cannot receive payment items and further causes loss to a collection party by performing covering binding on the offline device.
Referring to fig. 3, fig. 3 is a block diagram of a payment system according to an embodiment of the present disclosure. The payment system in this embodiment includes an execution main body for executing the steps in the embodiments corresponding to fig. 1 to 2. Please refer to fig. 1 to 2 and fig. 1 to 2 for the corresponding embodiments. For convenience of explanation, only the portions related to the present embodiment are shown. Referring to fig. 3, a payment system 300 includes: an off-line device 31, a payment terminal 32 and a target server 33. Wherein:
the offline device 31 is configured to generate a collection two-dimensional code carrying information of the offline device if a preset collection operation is detected; and the offline device information is associated and bound with the collection account.
The payment terminal 32 is used for scanning the collection two-dimensional code so as to send a payment request to the target server; the payment terminal and the payment account are bound with each other; the payment request carries a payment identifier corresponding to the payment account.
The target server 33 is configured to initiate a payment task to the transaction server corresponding to the payment identifier according to the payment request; and the transaction server is used for completing the operation of paying from the payment account number to the collection account number according to the payment task.
As an embodiment of the present application, the payment system 300 further includes a payee terminal 34 that has logged in a payee account number.
The offline device 31 is further configured to generate a bound two-dimensional code carrying offline device information according to a preset bound two-dimensional code generation policy if a preset binding operation is detected.
The payee terminal 34, which has logged in the payee account, is further configured to scan the binding two-dimensional code, so as to send a binding request carrying the offline device information and the payee account to a target server.
The target server 33 is further configured to determine whether the offline device has been bound according to the binding request;
if the offline device 31 is not bound, the target server 33 is further configured to perform association binding between the offline device information and the collection account.
As an embodiment of the present application, if the offline device 31 is bound, the target server 33 is further configured to return information for prompting that the offline device is bound to the cash receiving terminal.
As an embodiment of the present application, the offline device information includes: an offline device serial number and offline device type information.
The offline device 31 is specifically configured to, if a preset binding operation is detected, obtain the offline device serial number, the offline device type information, and the device public key from a local database, and obtain a binding two-dimensional code parameter based on the offline device serial number, the offline device type information, and the device public key;
the offline device 31 is specifically configured to invoke a preset binding two-dimensional code generation tool, and generate a binding two-dimensional code based on the binding two-dimensional code parameter.
As an embodiment of the present application, the payment receiving terminal 34 is specifically configured to scan the binding two-dimensional code, so as to send a binding request carrying the offline device serial number, the offline device type information, the device public key, and the payment receiving account number to a target server.
As an embodiment of the present application, the target server 33 is specifically configured to, based on the device public key, invoke a preset device private key to perform decryption, and authentication on the binding request, so as to obtain the offline device serial number, the offline device type information, and the collection account number.
The target server 33 is specifically configured to query whether a binding list has a correspondence between the offline device serial number or the offline device type information and the payee account.
If the binding list has a correspondence between the offline device serial number or the offline device type information and the payee account, the target server 33 is specifically configured to determine that the offline device is bound.
If the binding list does not have a correspondence between the offline device serial number or the offline device type information and the payee account, the target server 33 is specifically configured to determine that the offline device is bound.
As an embodiment of the present application, the offline device information includes: organization code and dynamic time parameters.
The offline device 31 is specifically configured to, if a preset payment operation is detected, obtain the organization code from the local database, and generate a dynamic time parameter based on the current time information.
The offline device 31 is specifically configured to invoke a preset collection two-dimensional code generation tool, and generate a collection two-dimensional code based on the mechanism code and the dynamic time parameter; and the dynamic time parameter is used for describing the valid period of the two-dimensional code.
As an embodiment of the present application, the payment terminal 32 is specifically configured to scan the two-dimensional collection code through the payment application that logs in the payment account, so as to send a domain name redirection request carrying the organization code to the jump server; and the skip server is used for determining a target domain name from a preset redirection list according to the mechanism code and returning the target domain name to the payment terminal.
The payment terminal 32 is specifically configured to send a payment request carrying the dynamic time parameter to the target server based on the target domain name.
As an embodiment of the present application, the target server 33 is specifically configured to initiate a payment task to a transaction server corresponding to the payment identifier if it is determined that the validity period of the two-dimensional payment code is not exceeded according to the dynamic time parameter.
As can be seen from the above, in the solution provided in this embodiment, by binding the offline device information and the payee account in a correlated manner, a payee two-dimensional code carrying the offline device information is generated on the offline device, the payee two-dimensional code is scanned by the payment terminal and then a payment request is sent to the target server, since the payment terminal and the payment account are bound to each other, a payment identifier corresponding to the payment account is carried in the payment request, when the target server receives the payment request, a payment task is initiated to the transaction server corresponding to the payment identifier according to the payment request, and then the transaction server is used to complete the operation of paying to the payee account according to the payment task, since the payment terminal and the target server perform data transmission in the whole payment process, the offline device serves as a generation device of the payee two-dimensional code, and does not need to perform data interaction with the target, therefore, the cost of the off-line equipment is reduced, and a payment scheme with lower implementation cost is provided for merchants.
In addition, the binding two-dimensional code carrying the information of the offline device is generated by the offline device according to a preset binding two-dimensional code generating strategy, the binding two-dimensional code is scanned by a collection terminal which logs in a collection account to send a binding request to a target server, and the binding request carries the information of the offline device and the collection account, so that the target server can determine whether the offline device is bound according to the binding request, further can perform binding inquiry on the offline device, prevent the binding phenomenon between the bound offline device and other collection accounts, and avoid the problem that the collection account cannot receive payment items and further causes loss to a collection party by performing covering binding on the offline device.
The above-mentioned embodiments are only used for illustrating the technical solutions of the present application, and not for limiting the same; although the present application has been described in detail with reference to the foregoing embodiments, it should be understood by those of ordinary skill in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some technical features may be equivalently replaced; such modifications and substitutions do not substantially depart from the spirit and scope of the embodiments of the present application and are intended to be included within the scope of the present application.
Claims (10)
1. A payment method, comprising:
if the offline device detects a preset money receiving operation, a money receiving two-dimensional code carrying offline device information is generated; the offline device information is associated and bound with a collection account;
the payment terminal scans the collection two-dimensional code to send a payment request to a target server; the payment terminal and the payment account are bound with each other; the payment request carries a payment identifier corresponding to the payment account;
the target server initiates a payment task to a transaction server corresponding to the payment identifier according to the payment request; and the transaction server is used for completing the operation of paying from the payment account number to the collection account number according to the payment task.
2. A payment method as recited in claim 1, wherein the method further comprises:
if the offline device detects a preset binding operation, generating a binding two-dimensional code carrying offline device information according to a preset binding two-dimensional code generation strategy;
the collection terminal which logs in a collection account scans the binding two-dimensional code so as to send a binding request carrying the offline device information and the collection account to a target server;
the target server determines whether the offline device is bound according to the binding request;
and if the offline device is not bound, the target server performs associated binding on the offline device information and the collection account.
3. The payment method as claimed in claim 2, wherein after the target server determines whether the offline device has been bound according to the binding request, the method further comprises:
and if the offline device is bound, the target server returns information for prompting that the offline device is bound to the collection terminal.
4. A payment method as claimed in claim 2 or 3, wherein the offline device information comprises: an offline device serial number and offline device type information;
if the offline device detects a preset binding operation, generating a binding two-dimensional code carrying device information according to a preset binding two-dimensional code generation strategy, including:
if the offline device detects a preset binding operation, acquiring the offline device serial number, the offline device type information and a device public key from a local database, and obtaining a binding two-dimensional code parameter based on the offline device serial number, the offline device type information and the device public key;
and the offline equipment calls a preset binding two-dimensional code generating tool and generates a binding two-dimensional code based on the binding two-dimensional code parameters.
5. The payment method as claimed in claim 4, wherein the step of the collection terminal having logged in the collection account scanning the binding two-dimensional code to send a binding request carrying the offline device information and the collection account to a target server comprises:
and the collection terminal scans the binding two-dimensional code to send a binding request carrying the off-line equipment serial number, the off-line equipment type information, the equipment public key and the collection account number to a target server.
6. The payment method as claimed in claim 5, wherein the target server determining whether the offline device has been bound according to the binding request comprises:
the target server calls a preset device private key to decrypt, decrypt and authenticate the binding request based on the device public key to obtain the off-line device serial number, the off-line device type information and the collection account number;
the target server inquires whether the corresponding relation between the offline equipment serial number or the offline equipment type information and the collection account exists in a binding list;
if the binding list has the corresponding relation between the offline equipment serial number or the offline equipment type information and the collection account, the target server determines that the offline equipment is bound;
and if the binding list does not have the corresponding relation between the offline equipment serial number or the offline equipment type information and the collection account, the target server determines that the offline equipment is bound.
7. The payment method of claim 1, wherein the offline device information comprises: organization code and dynamic time parameters;
if the offline device detects a preset collection operation, a collection two-dimensional code carrying offline device information is generated, and the method comprises the following steps:
if the offline equipment detects a preset payment receiving operation, acquiring the mechanism code from a local database, and generating a dynamic time parameter based on the current time information;
the offline equipment calls a preset collection two-dimensional code generation tool and generates a collection two-dimensional code based on the mechanism code and the dynamic time parameter; and the dynamic time parameter is used for describing the valid period of the two-dimensional code.
8. A payment method as recited in claim 7, wherein the payment terminal scanning the payment receipt two-dimensional code to send a payment request to a target server, comprising:
the payment terminal scans the collection two-dimensional code through the payment application logged in the payment account so as to send a domain name redirection request carrying the mechanism code to the skip server; the skip server is used for determining a target domain name from a preset redirection list according to the mechanism code and returning the target domain name to the payment terminal;
and the payment terminal sends a payment request carrying the dynamic time parameter to the target server based on the target domain name.
9. The payment method according to claim 7 or 8, wherein the target server initiates a payment task to the transaction server corresponding to the payment identifier according to the payment request, and the payment task comprises:
and if the target server determines that the validity period of the two-dimensional code to be collected is not exceeded according to the dynamic time parameter, the target server initiates a payment task to a transaction server corresponding to the payment identifier.
10. A payment system, comprising:
the offline device is used for generating a collection two-dimensional code carrying information of the offline device if a preset collection operation is detected; the offline device information is associated and bound with a collection account;
the payment terminal is used for scanning the collection two-dimensional code so as to send a payment request to the target server; the payment terminal and the payment account are bound with each other; the payment request carries a payment identifier corresponding to the payment account;
the target server is used for initiating a payment task to the transaction server corresponding to the payment identifier according to the payment request; and the transaction server is used for completing the operation of paying from the payment account number to the collection account number according to the payment task.
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| CN201910718178.2A CN110599155A (en) | 2019-08-05 | 2019-08-05 | Payment method and payment system |
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| CN111695990A (en) * | 2020-06-22 | 2020-09-22 | 中国银行股份有限公司 | Processing method and device for door-to-door money collection service |
| CN112365256A (en) * | 2020-11-06 | 2021-02-12 | 中国银联股份有限公司 | Payment code management method, terminal device, server, system and storage medium |
| WO2021129106A1 (en) * | 2019-12-24 | 2021-07-01 | 支付宝实验室(新加坡)有限公司 | Implementation method and device based on bar code payment, and system based on bar code payment |
| CN113065862A (en) * | 2020-01-02 | 2021-07-02 | 虫极科技（北京）有限公司 | Code scanning payment method, device, system, equipment and computer readable storage medium |
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| CN114119000A (en) * | 2021-11-24 | 2022-03-01 | 中国电信股份有限公司 | Offline transaction method and device, storage medium and electronic equipment |
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