CN101546400A - Method of mobile em-pay by two-dimensional codes - Google Patents

Method of mobile em-pay by two-dimensional codes Download PDF

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Publication number
CN101546400A
CN101546400A CN200810035063A CN200810035063A CN101546400A CN 101546400 A CN101546400 A CN 101546400A CN 200810035063 A CN200810035063 A CN 200810035063A CN 200810035063 A CN200810035063 A CN 200810035063A CN 101546400 A CN101546400 A CN 101546400A
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China
Prior art keywords
payment
mobile
dimension code
payer
password
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Pending
Application number
CN200810035063A
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Chinese (zh)
Inventor
李祥
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Shanghai Simcom Ltd
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Shanghai Simcom Ltd
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Publication date
Application filed by Shanghai Simcom Ltd filed Critical Shanghai Simcom Ltd
Priority to CN200810035063A priority Critical patent/CN101546400A/en
Publication of CN101546400A publication Critical patent/CN101546400A/en
Pending legal-status Critical Current

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Abstract

The invention discloses a method of mobile em-pay by two-dimensional codes. In large payment, a bank provides a group of password cards consisting of two-dimensional code patterns when a user applies for mobile em-pay. A mobile phone scans corresponding two-dimensional code patterns every time when the user confirms the transaction, and mobile phone software fetches corresponding passwords and sends the passwords to the bank to complete the whole transaction. A small payment user can complete password stipulation with the bank by downloading or collecting the two-dimensional code patterns. By the invention, the user dose not need to remember complicated passwords, the mobile phone can directly distinguish the password, and the trouble of remembering wrong passwords or forgetting passwords is eliminated. By a two-dimensional code recognition mode for payment, the passwords are safe and not easy to analyze and crack, thereby guaranteeing the safety for payment (particularly for large payment).

Description

Carry out the method for mobile-phone payment with two-dimension code
Technical field
The present invention relates to a kind ofly carry out the method for mobile-phone payment, be particularly useful for a kind of mobile phone that has 1,300,000 above pixel camera heads with two-dimension code.
Background technology
Existing market mobile-phone payment service application is more and more, but is confined to small amount payment mostly, and this is because no matter be that businessman or user ensure lack confidence to this service security.Existing solution is provided with a simple password when mainly being the user applies mobile-phone payment, need the user to carry out trade confirmation by inputing this password, and this password itself becomes the security bottleneck of total system at every turn.At first this password must be remembered by the user; The normally simple combination of numbers of next this password; Maximum potential safety hazard is that the user may use the password identical with bank card, because the password that will remember now is too many.
Summary of the invention
The technical problem to be solved in the present invention is in order to overcome the unsafe defective of payment in the prior art, a kind of method of carrying out mobile-phone payment with two-dimension code to be provided.
The present invention solves above-mentioned technical matters by following technical proposals:
A kind ofly carry out the method for mobile-phone payment, be mainly used in the wholesale payment with two-dimension code.Its characteristics are that it may further comprise the steps:
S 1, mounting strap two-dimension code identification on the payer mobile phone payment software, application is carried out the service of mobile-phone payment with two-dimension code;
S 2, after the turn up service, obtain one group of cipher card that is formed by two-dimension code figure;
S 3, when when payment application, obtain the number of this cipher card from service provider;
S 4, payer is according to two-dimension code figure corresponding to this cipher card number scanning;
S 5, mobile-phone payment software identifies this two-dimension code figure, and extract corresponding password and send it back service provider and confirm payment.
A kind ofly carry out the method for mobile-phone payment, be mainly used in small amount payment with two-dimension code.Its characteristics are that it may further comprise the steps:
S 1, mounting strap two-dimension code identification on the payer mobile phone payment software, application is carried out the service of mobile-phone payment with two-dimension code;
S 2, after the turn up service, payer number provides one group of password that is obtained by two-dimension code identification by sequence of coden;
S 3, when when payment application, service provider is to user's forwarding step S 2In sequence of coden number;
S 4, payer is according to this sequence of coden number scanning or be written into corresponding two-dimension code figure, the corresponding password that extracts is sent it back service provider confirms payment.
Wherein, this mobile phone is the mobile phone with 1,300,000 above pixel camera heads.
Wherein, payer is the cellphone subscriber, and service provider is bank or mobile-phone payment supplier.
Wherein, at the step S of the method that is used for wholesale or small amount payment 1When middle payer application is served, can set the amount of payment.
Wherein, this two-dimension code figure is downloaded or is collected by payer and obtains.
Positive progressive effect of the present invention is:
1, the user does not need to remember loaded down with trivial details password, and replacing goes out password with the mobile phone Direct Recognition, has eliminated the trouble that often misremembers or forget Password;
2, adopt two-dimensional code recognition mode for payment, password is safer, is not easy to be cracked, thereby has guaranteed the safety of payment (especially wholesale payment).
Description of drawings
Fig. 1 is the wholesale transaction flow figure in when payment that is used for of the present invention.
Fig. 2 is the transaction flow figure when being used for small amount payment of the present invention.
Embodiment
Provide preferred embodiment of the present invention below in conjunction with accompanying drawing, to describe technical scheme of the present invention in detail.
Transaction flow when one, being used for the wholesale payment
Utilized two-dimension code figure and two-dimension code identification software among the present invention, but both are prior art, are not described here.
In the present embodiment, payer is the cellphone subscriber, and service provider is bank or mobile-phone payment supplier.Before the application service, need the payment software of mounting strap two-dimension code identification on the user mobile phone, the user need to be tied to phone number the bank card of oneself.
Step 101, cellphone subscriber's application is carried out the service of mobile-phone payment with two-dimension code, can set the amount of wholesale payment.
Step 102 after the turn up service, obtains one group of cipher card that is made up of two-dimension code figure, and this cipher card is provided by bank, and each cipher card needs during payment according to two-dimension code figure corresponding to this number scanning a number (such as 1,2,3 etc.) should be arranged.Cipher card is downloaded or is collected by oneself when being different from small amount payment herein.
Step 103, after the service release, the user just can do shopping.When having selected commodity, during the application payment, the user need input password.
Step 104, at this moment, the user obtains the number of a cipher card from bank;
Step 105, the user is according to the two-dimension code figure corresponding to number scanning of this cipher card;
Step 106, user's mobile-phone payment software is identified this two-dimension code figure, and extracts corresponding password and send it back bank, after bank has confirmed that password is correct, pays with bank's card number of user mobile phone number binding.Like this, after the debt of payment was received by businessman, the user just can obtain the commodity that will buy.
Transaction flow when two, being used for small amount payment
Step 201, cellphone subscriber's application is carried out the service of mobile-phone payment with two-dimension code, can set the amount of payment.
Step 202 during small amount payment, need user oneself that two-dimension code figure is provided, rather than bank provides.
The user can download the two-dimension code figure that comprises complicated password by network, comes recognition code by this machine then.Perhaps can collect the two-dimension code figure that businessman provides, such two-dimension code figure generally comprises the complex informations such as network address, belongs to safer password.After the user collects two-dimension code figure, deposit the mobile phone of oneself in.
Step 203, bank or mobile-phone payment supplier are user's turn up service.
Step 204, the user activates when service, and one group of password that is identified by two-dimension code figure need to be provided in proper order, and this two-dimension code figure is exactly user oneself collection in the step 202.Illustrate this step, identified one group of password: ab, cd, ef, gh by one group of two-dimension code figure such as the user.When bank provides, need organize password to this and add a corresponding serial number respectively: as 1-ab, 2-〉cd, 3-〉ef, 4-〉gh, "-" represents corresponding relation.Above-mentioned only is that password is very complicated in the practical application for example.
Step 205, after the service release, the user just can do shopping.When having selected commodity, during the application payment, the user need input password.
Step 206, at this moment, the sequence of coden that bank or mobile-phone payment supplier can provide user in the step 204 number sends to the user.
Step 207, corresponding two-dimension code figure is scanned or be written into to the user according to this sequence of coden number.
Step 208, user's mobile-phone payment software is identified this two-dimension code figure, and extracts corresponding password and send it back bank.The sequence of coden that sends to the user such as bank in the step 206 number is 2, and the password that then extracts in this step is exactly cd.After bank has confirmed that password is correct, pay with bank's card number of user mobile phone number binding.Like this, after the debt of payment was received by businessman, the user just can obtain the commodity that will buy.
Although more than described the specific embodiment of the present invention, it will be understood by those of skill in the art that these only illustrate, under the prerequisite that does not deviate from principle of the present invention and essence, can make various changes or modifications to these embodiments.Therefore, protection scope of the present invention is limited by appended claims.

Claims (6)

1, a kind ofly carry out the method for mobile-phone payment, it is characterized in that it may further comprise the steps with two-dimension code:
S 1, mounting strap two-dimension code identification on the payer mobile phone payment software, application is carried out the service of mobile-phone payment with two-dimension code;
S 2, after the turn up service, obtain one group of cipher card that is formed by two-dimension code figure;
S 3, when when payment application, obtain the number of this cipher card from service provider;
S 4, payer is according to two-dimension code figure corresponding to this cipher card number scanning;
S 5, mobile-phone payment software identifies this two-dimension code figure, and extract corresponding password and send it back service provider and confirm payment.
2, a kind ofly carry out the method for mobile-phone payment, it is characterized in that it may further comprise the steps with two-dimension code:
S 1, mounting strap two-dimension code identification on the payer mobile phone payment software, application is carried out the service of mobile-phone payment with two-dimension code;
S 2, after the turn up service, payer number provides one group of password that is obtained by two-dimension code identification by sequence of coden;
S 3, when when payment application, service provider is to user's forwarding step S 2In sequence of coden number;
S 4, payer is according to this sequence of coden number scanning or be written into corresponding two-dimension code figure, the corresponding password that extracts is sent it back service provider confirms payment.
3, as claimed in claim 1 or 2ly carry out the method for mobile-phone payment, it is characterized in that this mobile phone is the mobile phone that has 1,300,000 above pixel camera heads with two-dimension code.
4, as claimed in claim 1 or 2ly carry out the method for mobile-phone payment with two-dimension code, it is characterized in that payer is the cellphone subscriber, serving the provider is bank or mobile-phone payment supplier.
5, as claimed in claim 1 or 2ly carry out the method for mobile-phone payment, it is characterized in that, at step S with two-dimension code 1When middle payer application is served, the amount of payment is set.
6, as claimed in claim 2ly carry out the method for mobile-phone payment with two-dimension code, it is characterized in that this two-dimension code figure is downloaded or collected by payer and obtains.
CN200810035063A 2008-03-25 2008-03-25 Method of mobile em-pay by two-dimensional codes Pending CN101546400A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CN200810035063A CN101546400A (en) 2008-03-25 2008-03-25 Method of mobile em-pay by two-dimensional codes

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN200810035063A CN101546400A (en) 2008-03-25 2008-03-25 Method of mobile em-pay by two-dimensional codes

Publications (1)

Publication Number Publication Date
CN101546400A true CN101546400A (en) 2009-09-30

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CN200810035063A Pending CN101546400A (en) 2008-03-25 2008-03-25 Method of mobile em-pay by two-dimensional codes

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Cited By (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN102130909A (en) * 2011-02-22 2011-07-20 中兴通讯股份有限公司 Authentication method and system
CN102714793A (en) * 2009-11-26 2012-10-03 西班牙电信公司 Secure method for discovering and accessing nearby mobile devices using a visual channel
CN102789612A (en) * 2012-07-16 2012-11-21 深圳宝嘉电子设备有限公司 Digital stamp payment verification system and method thereof
CN103078862A (en) * 2013-01-06 2013-05-01 广州市建乔自动化科技有限公司 Two-dimensional code dual-factor authentication system and method, terminal equipment and server
CN103455928A (en) * 2012-05-29 2013-12-18 顾翠标 User terminal, server, system and method for processing integral information
CN103530770A (en) * 2013-09-09 2014-01-22 金子光 One-key payment method for mobile phone

Cited By (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN102714793A (en) * 2009-11-26 2012-10-03 西班牙电信公司 Secure method for discovering and accessing nearby mobile devices using a visual channel
CN102130909A (en) * 2011-02-22 2011-07-20 中兴通讯股份有限公司 Authentication method and system
CN103455928A (en) * 2012-05-29 2013-12-18 顾翠标 User terminal, server, system and method for processing integral information
CN102789612A (en) * 2012-07-16 2012-11-21 深圳宝嘉电子设备有限公司 Digital stamp payment verification system and method thereof
CN103078862A (en) * 2013-01-06 2013-05-01 广州市建乔自动化科技有限公司 Two-dimensional code dual-factor authentication system and method, terminal equipment and server
CN103530770A (en) * 2013-09-09 2014-01-22 金子光 One-key payment method for mobile phone
CN103530770B (en) * 2013-09-09 2017-08-18 金子光 A kind of One-key payment method for mobile phone

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Application publication date: 20090930