CN101546400A - Method of mobile em-pay by two-dimensional codes - Google Patents
Method of mobile em-pay by two-dimensional codes Download PDFInfo
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- 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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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
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.
Transaction flow when two, being used for small amount payment
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.
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.
Priority Applications (1)
Application Number | Priority Date | Filing Date | Title |
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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 |
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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)
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 |
-
2008
- 2008-03-25 CN CN200810035063A patent/CN101546400A/en active Pending
Cited By (7)
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 |