CN103942677B - Transaction payment method and system, POS - Google Patents
Transaction payment method and system, POS Download PDFInfo
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- CN103942677B CN103942677B CN201410081566.1A CN201410081566A CN103942677B CN 103942677 B CN103942677 B CN 103942677B CN 201410081566 A CN201410081566 A CN 201410081566A CN 103942677 B CN103942677 B CN 103942677B
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR 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
- G06Q20/08—Payment architectures
- G06Q20/20—Point-of-sale [POS] network systems
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07G—REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
- G07G1/00—Cash registers
- G07G1/12—Cash registers electronically operated
- G07G1/14—Systems including one or more distant stations co-operating with a central processing unit
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- Cash Registers Or Receiving Machines (AREA)
Abstract
The present invention provides a kind of transaction payment method and system, POS, and wherein method includes：Point of sale POS obtains element of transaction, and the element of transaction includes：The corresponding beneficiary mark of the POS, dealing money；The POS includes the bar code information of the element of transaction according to the element of transaction, generation；The POS provides the bar code information, to cause bar code information described in acquisition for mobile terminal and be completed to identify the transaction payment of corresponding beneficiary to the beneficiary according to the bar code information.It is no longer needed for carrying bank card the invention enables consumer, substantially increases the convenience of the transaction payment of POS participations.
Description
Technical field
The present invention relates to network technology, more particularly to a kind of transaction payment method and system, point of sale（point of
Sale, referred to as：POS）Machine.
Background technology
POS is the consumption and payment instrument of trade company common on current market, and this instrument is in POS by consumer
Brush bank card completes the delivery operation to merchant account on machine.Because POS system management regulation is rigorous so that POS is swiped the card
Mode of doing business it is also safer；But, which needs consumer to carry with bank card, is brought inconvenience to consumer.
The content of the invention
It is an object of the invention to provide a kind of transaction payment method and system, POS, to improve the transaction branch of POS participations
The convenience paid.
First aspect there is provided a kind of transaction payment method, including：
Point of sale POS obtains element of transaction, and the element of transaction includes：The corresponding beneficiary mark of the POS, hand over
The easy amount of money；
The POS includes the bar code information of the element of transaction according to the element of transaction, generation；
The POS provides the bar code information, to cause bar code information described in acquisition for mobile terminal and according to the bar
Code information completes to identify the transaction payment of corresponding beneficiary to the beneficiary.
Second aspect there is provided a kind of POS, including：
Information acquisition unit, for obtaining element of transaction, the element of transaction includes：The corresponding beneficiary of the POS
Mark, dealing money；
Barcode generator unit, for according to the element of transaction, generation to include the bar code information of the element of transaction；
Bar code provides unit, for providing the bar code information, to cause bar code information described in acquisition for mobile terminal and root
Complete to identify the transaction payment of corresponding beneficiary to the beneficiary according to the bar code information.
The third aspect there is provided a kind of trading payment system, including：POS of the present invention, mobile terminal, system pipes
Manage backstage and financial payment platform；
The mobile terminal, for obtaining bar code information and paying party information that the POS is provided, and will be described
Element of transaction, paying party information in bar code information are sent to System Management Daemon；
The System Management Daemon, for according to the corresponding financial account information of the paying party acquisition of information paying party with
And account password, and the element of transaction, financial account information and account password are sent to financial payment platform；
The financial payment platform, for according to the element of transaction, financial account information and account password, completing from institute
Paying party is stated to the transaction payment of the beneficiary.
Transaction payment method and POS of the present invention have the technical effect that：Bar code is generated by POS according to element of transaction to believe
Breath, can also be according to bar code information using movement this makes it possible to cause mobile terminal such as mobile phone to get the bar code information
Terminal completes transaction payment, in this way it is no longer necessary to which consumer carries bank card, and consumer only needs to use mobile terminal, it is possible to use
The bar code information of POS generation realizes transaction payment, so as to facilitate consumer, substantially increases the transaction payment of POS participations
Convenience.
Trading payment system of the present invention has the technical effect that：Cross POS and bar code information is generated according to element of transaction, by moving
Terminal obtains the bar code information and completes to pay accordingly, and consumer is no longer needed for carrying bank card, and only needs to using movement
Terminal can just realize transaction payment, so as to facilitate consumer, substantially increase the convenience of the transaction payment of POS participations.
Brief description of the drawings
Fig. 1 is a kind of schematic flow sheet of transaction payment method provided in an embodiment of the present invention；
Fig. 2 is the configuration diagram of trading payment system provided in an embodiment of the present invention；
Fig. 3 is the signalling diagram of another transaction payment method provided in an embodiment of the present invention；
Fig. 4 is the structural representation of POS provided in an embodiment of the present invention.
Embodiment
The problem of carrying bank card in mode of doing business of being swiped the card for solution POS is inconvenient, the embodiment of the present invention is devised
A kind of transaction payment method, and devise the POS used in the method and trading payment system so that complete transaction
POS has been used during payment, the security of POS modes of doing business is maintained, and has not needed brush bank card, has been improved
The convenience for the transaction payment that POS is participated in.This method of commerce and system and POS will be described below.
Embodiment one
Fig. 1 is a kind of schematic flow sheet of transaction payment method provided in an embodiment of the present invention, and this method is from POS angle
What degree was performed, including：
101st, point of sale POS obtains element of transaction, and the element of transaction includes：The corresponding beneficiary mark of the POS
Knowledge, dealing money；
For example, trade company can input dealing money in POS, POS can get element of transaction, including, it is above-mentioned
Dealing money, POS corresponding beneficiary mark etc., the corresponding beneficiary mark of described POS for example can be, POS
The corresponding terminal number of machine or trade company number, the gathering finance account of POS trade company is can be obtained by according to the terminal number or trade company number
Information.Described element of transaction, can also include transaction journal number, exchange hour etc..
102nd, POS is according to the element of transaction, and generation includes the bar code information of the element of transaction；
Optionally, described bar code information can be Quick Response Code or bar code, and the element of transaction obtained in 101 is included
In the bar code information.
Specifically, Quick Response Code is according to certain rules in the chequered with black and white figure of plane distribution with certain specific geometric figure
Shape record data symbolic information.Dexterously compared on coding using " 0 ", " 1 " that constitutes computer-internal logical foundations
The concept of spy's stream, the geometrical body corresponding with binary system using several represents word numerical information, passes through picture input
Equipment or photoelectric scanning device automatically identifying and reading are to realize that information is automatically processed.Bar code is the multiple secret notes and sky for not waiting width
In vain, arranged according to certain coding rule, the graphical identifier to express a group information.Common bar code is by reflectivity
The pattern of parallel lines that the secret note and informal voucher differed greatly is lined up.
For example, POS can generate bar code information in the following way：POS is added using the machine key to element of transaction
The first safety check value of close generation；And the first safety check value and element of transaction self assemble are generated into bar code information.
In another example, POS can also generate bar code information in the following way：POS sends element of transaction to system
Management backstage, System Management Daemon can be placed with server, by server generation to should element of transaction i.e. to should pen hand over
The second easy safety check value；POS is by the second safety check value and element of transaction combination producing bar code information.
103rd, POS provides the bar code information, to cause bar code information described in acquisition for mobile terminal and according to the bar
Code information completes to identify the transaction payment of corresponding beneficiary to the beneficiary.
Optionally, the mode of POS offer bar code information can also have two kinds：
A kind of mode is screen display, i.e., POS shows the bar code information on POS screen.Under this mode,
POS can use widescreen or color screen, carry out hardware modification；Or, existing POS softwares can also be changed so that can be with
Quick Response Code or bar code at display on POS screen.
Another way is paper slip printing, you can caused with improving the software of POS by printer directly on paper slip
Quick Response Code or bar code are printed, this mode can be used for the improvement to the small screen POS.
POS is provided after bar code information Quick Response Code as escribed above or bar code, and mobile terminal such as mobile phone just can be with
Obtain the bar code information, for example, Quick Response Code or bar code scanned from POS by mobile phone camera, thus obtain Quick Response Code or
Element of transaction in bar code, is shown to cellphone subscriber, such as trade company's name, exchange hour, dealing money etc. is shown into mobile phone
User.
User is after the transaction is confirmed, the gold for the paying party that can be selected by mobile phone by element of transaction, together with user
Melt account and account password is sent to backstage, backstage obtains the finance account of beneficiary according to element of transaction, and completes from payment
Square finance account is transferred accounts to beneficiary finance account, realizes that cellphone subscriber i.e. consumer identifies corresponding beneficiary to beneficiary
Transaction payment.
In addition, the transaction payment result that POS can be sent with the timing of reception system management backstage, or, POS also may be used
Returned with sending result queries request to System Management Daemon, and receiving the System Management Daemon according to result queries request
The transaction payment result returned.The transaction payment result is, for example, to pay successfully or pay failure.
In the transaction payment method of the present embodiment, POS can be by element of transaction with bar code information such as Quick Response Code or bar
The form of shape code is shown, is wanted so that mobile terminal such as mobile phone can scan the transaction got in bar code information
Element, is that the mobile-phone payment in follow-up process provides the foundation；So also consumer is caused to carry bank card again, it is only necessary to
Carrying mobile phone can just complete the operation of this transaction payment jointly with the POS of trade company, improve the convenience of transaction payment.
Embodiment two
POS, which is provided, includes the bar code information of element of transaction, to complete transaction payment, in addition it is also necessary to which POS is whole with movement
End, financial payment platform etc. are cooperated；This gives the framework of an optional trading payment system, and will be from the transaction
The angle of payment system illustrates the overall implementation process of the transaction payment of the present invention.
Fig. 2 is the configuration diagram of trading payment system provided in an embodiment of the present invention, as shown in Fig. 2 the transaction payment
System can include：POS 21, mobile terminal（In Fig. 2 by taking mobile phone with payment function 22 as an example）, System Management Daemon 23 and financial payment
Platform 24.Optionally, POS front platforms 25 and mobile-phone payment front platform 26 can also be set；Within the system, before POS
Horizontalization platform 25 is responsible for the communication between each trade company's POS and System Management Daemon, and it is related to send POS to System Management Daemon 23
Operation requests simultaneously receive reply, are then returned to POS 21；Mobile-phone payment front platform 26 is responsible for the mobile phone with payment function of each consumer
Communication between 22 and System Management Daemon 23, the associative operation request that mobile phone with payment function 22 is sent is sent to System Management Daemon 23
And reply is received, mobile phone with payment function 22 is then returned to, can be network interface or short message interface according to concrete application pattern.
In the present system, POS 21 is mainly used in generating the bar code information such as Quick Response Code or bar code according to element of transaction, raw
Concrete mode into bar code information may refer to embodiment one；POS 21 is additionally operable to provide the bar code information, for example, show
Show on screen or be printed upon on paper slip.
In the present system, mobile phone with payment function 22 is mainly used in obtaining the bar code information that POS 21 is provided, such as mobile phone with payment function 22
Payment client terminal software is installed, consumer is the User logs in of the mobile phone with payment function software, two dimension is scanned by mobile phone camera
Code or bar code, and obtain using software parsing Quick Response Code or bar code and show corresponding element of transaction, such as trade gold
Volume.
Mobile phone with payment function 22 is additionally operable to obtain paying party information, and paying party information and element of transaction are sent to system administration
Backstage 23 so that System Management Daemon 23 can be according to the corresponding financial account information of paying party information acquisition paying party and account
Family password.Specifically, the financial account information of paying party can be stored in System Management Daemon 23, payment hand can also be stored in
On machine 22.
For example, when financial account information is stored in System Management Daemon 23, mobile phone with payment function side account can be with consumer
The binding of at least one finance account, such as Alipay account is directly bound with Alipay account, or mobile phone with payment function side
The login account of client software and some bank card account of consumer are bound, and the binding relationship is stored in after system administration
Platform 23.So consumer be mobile phone with payment function user can first mobile phone with payment function 22 log in payment client terminal select some to pay
Mobile phone side account, and System Management Daemon 23 is submitted to, inquired about and obtained according to the binding relationship of storage by System Management Daemon 23
Financial account information corresponding with the mobile phone with payment function side account, and be committed to the financial account information by System Management Daemon 23
Financial payment platform 24.
In another example, can be specifically that mobile phone with payment function 22 carries safety when financial account information is stored in mobile phone with payment function 22
Chip, at least one financial account information bound in advance with mobile phone with payment function 22, such as bank are contained in the safety chip internal memory
Magnetic stripe card information.So consumer can use mobile phone with payment function 22 directly to obtain the financial account that consumer selects from safety chip
Family information, is sent to System Management Daemon 23 by mobile phone with payment function 22 and is forwarded to financial payment platform 24.In this case, pay
Mobile phone 22 be directly by the financial account information of selection be sent to system management platform 23, i.e. paying party information be paying party correspondence
Financial account information.
The account password for the financial account information that consumer is also selected oneself by mobile phone with payment function 22 is sent to system pipes
Backstage 23 is managed, account password falls within paying party information；Mobile phone with payment function 22 can be will by way of network or short message
Element of transaction, paying party information are sent to System Management Daemon 23.System Management Daemon 23 can be obtained element of transaction,
Financial account information and account password are sent to financial payment platform 24, financial payment platform 24 can be completed according to these information from
Paying party to beneficiary transaction payment.
Specifically, in System Management Daemon 23, it can be used for management of POS and its corresponding merchant information, such as POS
The corresponding relation of the trade company number of terminal number and trade company；POS terminal number can also be managed（Or trade company number）Corresponding trade company
The financial account information of financial account information, i.e. beneficiary.Such as, mobile phone with payment function 22 by consumer select be used for pay the bill
Financial account information send to System Management Daemon, and the POS terminal number that will be obtained from POS Quick Response Code（Or business
Family number）Send to System Management Daemon；System Management Daemon 23 just can be according to terminal number（Or trade company number）Find the business
The corresponding financial account information for being used to collect money in family.System Management Daemon 23 can by for the financial account information of gathering, be used for
Financial account information and dealing money of payment etc. are committed to financial payment platform 24, by financial payment platform 24 complete from
Finance account transferring accounts to the finance account for being used to collect money for payment.In addition, having been explained above, System Management Daemon
23 can be with the user of managing payment mobile phone（That is consumer）The binding relationship of information and its corresponding financial account information, such as
Above-mentioned obtains corresponding financial account information according to some mobile phone with payment function side account.System Management Daemon 23 be also responsible for receive,
The Transaction Information transmitted from the POS side or mobile phone with payment function side of the system is preserved and handled, sends and hands over to financial payment platform 24
Easily ask and receive transaction payment result, then return to transaction payment result to corresponding mobile phone with payment function 22 or POS 21 respectively.
Financial payment platform 24 in the system, can be carried from Unionpay, bank or Third-party payment mechanism to the system
The payment backstage of confession, receives specific transactional operation, completes to specifying finance account（Can be bank account or the 3rd
The finance account of square payment mechanism, such as Alipay, wealth pay logical account）Operation of withholing, and returning result notify.
Below by based on the system shown in Fig. 2, an optional transaction payment flow is described in detail, is referring to Fig. 3, Fig. 3
The signalling diagram of another transaction payment method provided in an embodiment of the present invention, including：
301st, POS obtains element of transaction, including：Dealing money；
For example, trade company can input the Transaction Informations such as dealing money in POS, " Quick Response Code/bar code mobile phone branch is selected
Pay ".That is, POS can be designed for the option of trade company's selection, if it is desired to keeping existing POS swiping card mode, then
Above-mentioned " Quick Response Code/bar code mobile-phone payment " is not selected；If it is desired to using the transaction payment mode of the embodiment of the present invention, then selecting
Select " Quick Response Code/bar code mobile-phone payment ".Certainly, the title and selection mode of option can be with autonomous Designs.
302nd, POS generates bar code information according to element of transaction；
For example, described bar code information can be Quick Response Code or bar code.POS generates the concrete mode of bar code information
Embodiment one is may refer to, i.e., the first safety check value or utilize system pipes that above-mentioned POS can be generated using the machine
The second safety check value of backstage generation is managed, is no longer described in detail, the present embodiment generates bar code with POS using the first safety check value
Exemplified by information.
303rd, POS shows bar code information on POS screen；
The present embodiment is that certain POS can also be direct so that POS is directly in the machine two-dimensional code display or bar code as an example
Quick Response Code or bar code are printed on paper slip.
304th, mobile phone with payment function scanning barcode acquisition of information element of transaction；
For example, consumer can log in the client software on mobile phone with payment function, using mobile phone camera scan Quick Response Code or
Bar code, and on client software parsing obtain and show corresponding element of transaction, such as show trade company number, exchange hour,
Dealing money etc..
305th, mobile phone with payment function obtains the financial account information that consumer's selection is used；
After consumer confirms that element of transaction is correct, the finance account to be used is selected on mobile phone with payment function；For example, consumer
Some account can be inputted in mobile phone with payment function and System Management Daemon is committed to, is searched by System Management Daemon corresponding with the account
Financial account information；Or, financial account information can also be stored directly in the built-in security chip of mobile phone with payment function, consumption
Person directly selects the financial account information to be used by client software.The present embodiment is with the locally stored financial account of mobile phone with payment function
Exemplified by the information of family.
306th, mobile phone with payment function obtains the corresponding account password of the financial account information；
Specifically consumer inputs corresponding account password on mobile phone with payment function.
307th, element of transaction, financial account information and account password are constituted transaction message by mobile phone with payment function, are sent to mobile phone
Pay front platform；
Financial account information and account password therein etc. are properly termed as paying party information.In specific implementation, mobile phone with payment function
Can be sent by way of network or short message to mobile-phone payment front platform.
308th, element of transaction, financial account information and account password are forwarded to after system administration by mobile-phone payment front platform
Platform；
309th, System Management Daemon obtains beneficiary information according to element of transaction, and by beneficiary information, paying party information
Transaction message is reassembled into, is sent to financial payment platform.
For example, System Management Daemon can be in element of transaction POS terminal number or trade company number obtain corresponding business
The financial account information at family, the financial account information of the trade company is properly termed as beneficiary information.System Management Daemon can be by business
The others element of transactions such as financial account information, exchange hour, transaction journal number, the dealing money at family, together with from mobile phone with payment function
The consumer received is used for financial account information, the account password paid the bill, and collectively constitutes transaction message and sends to financial payment
Platform.
If in addition, POS generation bar code information is the second safety check generated according to System Management Daemon in 302
Value generation, then in this step, System Management Daemon is received including that after element of transaction and its corresponding check value, can examine
Whether the check value is the second safety check value corresponding with element of transaction oneself generated at that time, if it is confirms that transaction will
Element is errorless.If for another example some account that the paying party information sent in 307 and 308, which is only mobile phone with payment function side, to be inputted is for example
Alipay account, then in this step, System Management Daemon also needs to search the corresponding financial account for being used to pay the bill according to the account
Family information, and the financial account information and account password, element of transaction etc. are reassembled into transaction message.
310th, financial payment platform is traded payment；
For example, it may be transfer operation of the finance account of completion paying party to the finance account of beneficiary.
311st, financial payment platform sends transaction payment result to System Management Daemon, e.g. pays successfully；
312nd, System Management Daemon sends transaction payment result by POS front platforms to POS, and passes through mobile-phone payment
Front platform sends transaction payment result to mobile phone with payment function；
In specific implementation, System Management Daemon, when sending transaction payment result to POS, can be to POS timing
Send transaction payment result；Or, trade company clicks on POS and sends result queries request to POS front platforms by hand, and POS is preposition
Platform forwards the request to System Management Daemon, and System Management Daemon is according to the request, by POS front platforms to POS
Machine returns to transaction payment result.
In the transaction payment method of the present embodiment, POS can be by element of transaction with bar code information such as Quick Response Code or bar
The form of shape code is shown, is wanted so that mobile terminal such as mobile phone can scan the transaction got in bar code information
Element, is that the mobile-phone payment in follow-up process provides the foundation；So also consumer is caused to carry bank card again, it is only necessary to
Carrying mobile phone can just complete the operation of this transaction payment jointly with the POS of trade company, improve the convenience of transaction payment.And
And, from the perspective of mobile phone with payment function, because the element of transaction of its acquisition is provided by POS, and POS system management regulation
With it is rigorous, also to mobile-phone payment provide higher security.
Embodiment three
Fig. 4 is the structural representation of POS provided in an embodiment of the present invention, and the POS can be used for performing the present invention times
The transaction payment method for embodiment of anticipating, as shown in figure 4, the POS includes：Information acquisition unit 41, the and of barcode generator unit 42
Bar code provides unit 43；Wherein,
Information acquisition unit 41, for obtaining element of transaction, the element of transaction includes：The corresponding gathering of the POS
Side's mark, dealing money；
Barcode generator unit 42, for according to the element of transaction, generation to include the bar code information of the element of transaction；
Bar code provides unit 43, for providing bar code information, to cause bar code information described in acquisition for mobile terminal and basis
The bar code information completes to identify the transaction payment of corresponding beneficiary to the beneficiary.
Optionally, the barcode generator unit 42, specifically for generating the first safety check value, and root using the machine key
According to the first safety check value and the element of transaction, generation includes the bar code information of the element of transaction.
Optionally, the barcode generator unit 42, specifically for：The element of transaction is sent to System Management Daemon,
And receive the second safety check value corresponding with the element of transaction that the System Management Daemon is returned；And, according to described
Second safety check value and the element of transaction, generation include the bar code information of the element of transaction.
Optionally, the bar code provides unit 43, specifically for showing the bar code information on POS screen.
One of ordinary skill in the art will appreciate that：Realizing all or part of step of above-mentioned each method embodiment can lead to
The related hardware of programmed instruction is crossed to complete.Foregoing routine can be stored in a computer read/write memory medium.The program exists
During execution, the step of execution includes above-mentioned each method embodiment；And foregoing storage medium includes：ROM, RAM, magnetic disc or CD
Etc. it is various can be with the medium of store program codes.
Finally it should be noted that：Various embodiments above is merely illustrative of the technical solution of the present invention, rather than its limitations；To the greatest extent
The present invention is described in detail with reference to foregoing embodiments for pipe, it will be understood by those within the art that：Its according to
The technical scheme described in foregoing embodiments can so be modified, or which part or all technical characteristic are entered
Row equivalent substitution；And these modifications or replacement, the essence of appropriate technical solution is departed from various embodiments of the present invention technology
The scope of scheme.
Claims (8)
1. a kind of transaction payment method, it is characterised in that including：
Point of sale POS obtains element of transaction, and the element of transaction includes：The corresponding beneficiary mark of the POS, trade gold
Volume；
The POS includes the bar code information of the element of transaction according to the element of transaction, generation；
The POS provides the bar code information, to cause bar code information described in acquisition for mobile terminal and be believed according to the bar code
Breath and the financial account information of paying party selection complete to identify the transaction payment of corresponding beneficiary to the beneficiary；
It is described that the bar code information of the element of transaction is included according to element of transaction generation, including：
The POS generates the first safety check value using the machine key；And according to the first safety check value and the friendship
Easy key element, generation includes the bar code information of the element of transaction；
Or,
The POS sends the element of transaction to System Management Daemon, and receive that the System Management Daemon returns with
The corresponding second safety check value of the element of transaction；And according to the second safety check value and the element of transaction, generation
Include the bar code information of the element of transaction.
2. according to the method described in claim 1, it is characterised in that the POS provides the bar code information, including：
The POS shows the bar code information on POS screen.
3. method according to claim 1 or 2, it is characterised in that the bar code information, including：Quick Response Code or bar code.
4. a kind of POS, it is characterised in that including：
Information acquisition unit, for obtaining element of transaction, the element of transaction includes：The corresponding beneficiary mark of the POS,
Dealing money；
Barcode generator unit, for according to the element of transaction, generation to include the bar code information of the element of transaction；
Bar code provides unit, for providing the bar code information, to cause bar code information described in acquisition for mobile terminal and according to institute
The financial account information for stating bar code information and paying party selection completes to identify the transaction branch of corresponding beneficiary to the beneficiary
Pay；
The barcode generator unit, specifically for：
The first safety check value is generated using the machine key, and according to the first safety check value and the element of transaction, it is raw
Into including the bar code information of the element of transaction；
Or,
The element of transaction is sent to System Management Daemon, and receives being wanted with the transaction for the System Management Daemon return
The corresponding second safety check value of element；And, according to the second safety check value and the element of transaction, generation includes described
The bar code information of element of transaction.
5. POS according to claim 4, it is characterised in that
The bar code provides unit, specifically for showing the bar code information on POS screen.
6. a kind of trading payment system, it is characterised in that including：POS, mobile terminal, system pipes as claimed in claim 4
Manage backstage and financial payment platform；
The mobile terminal, for obtaining bar code information and paying party information that the POS is provided, and by the bar code
Element of transaction, the paying party information of paying party selection in information are sent to System Management Daemon；
The System Management Daemon, for according to the corresponding financial account information of the paying party acquisition of information paying party and account
Family password, and the element of transaction, financial account information and account password are sent to financial payment platform；
The financial payment platform, for according to the element of transaction, financial account information and account password, completing from described pair
Money side to the beneficiary transaction payment.
7. system according to claim 6, it is characterised in that
The paying party information is mobile terminal side account；The System Management Daemon, store the mobile terminal side account with
The corresponding relation of the financial account information, and the mobile terminal side account specifically for being sent according to the mobile terminal
Obtain corresponding financial account information；
Or,
The paying party information is the corresponding financial account information of paying party.
8. system according to claim 7, it is characterised in that the mobile terminal will by the transaction in the bar code information
Element, paying party information are sent to System Management Daemon, are sent particular by network or short message mode.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201410081566.1A CN103942677B (en) | 2014-03-06 | 2014-03-06 | Transaction payment method and system, POS |
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| CN201410081566.1A CN103942677B (en) | 2014-03-06 | 2014-03-06 | Transaction payment method and system, POS |
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| CN103942677B true CN103942677B (en) | 2017-11-07 |
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Families Citing this family (14)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN104268748A (en) * | 2014-08-27 | 2015-01-07 | 北京卡富通盈科技有限公司 | Method and system for achieving mobile payment of physical store |
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