CN111553678B - Two-dimensional code payment method and system based on mobile phone business card - Google Patents

Two-dimensional code payment method and system based on mobile phone business card Download PDF

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Publication number
CN111553678B
CN111553678B CN202010076050.3A CN202010076050A CN111553678B CN 111553678 B CN111553678 B CN 111553678B CN 202010076050 A CN202010076050 A CN 202010076050A CN 111553678 B CN111553678 B CN 111553678B
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China
Prior art keywords
mobile phone
business card
payment
code
token
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CN111553678A (en
Inventor
王钰
蒋海俭
王瑞明
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China Unionpay Co Ltd
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China Unionpay Co Ltd
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Priority to CN202010076050.3A priority Critical patent/CN111553678B/en
Priority to PCT/CN2020/107313 priority patent/WO2021147296A1/en
Publication of CN111553678A publication Critical patent/CN111553678A/en
Priority to TW109130161A priority patent/TWI748630B/en
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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
    • G06Q20/30—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
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3229—Use of the SIM of a M-device as secure element
    • 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
    • G06Q20/30—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
    • G06Q20/3274—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Finance (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The invention relates to a two-dimensional code payment method and a system based on a mobile phone business card. The method is realized by a payment system and a mobile phone business card system and comprises the following steps: a request receiving step; a mapping establishment step; a distribution step; an account number obtaining step; and a binding step. Therefore, the binding of the bank card information and the user business card can be realized. According to the two-dimensional code payment method based on the mobile phone business card and the two-dimensional code payment system based on the mobile phone business card, compared with the traditional two-dimensional code binding card opening, the two-dimensional code binding card opening method based on the mobile phone business card has the advantages that a user does not need to download a client side in the binding card work, the user does not need to input bank card information, the user operation time is greatly shortened, the binding card threshold is reduced, and the use will is improved.

Description

Two-dimensional code payment method and system based on mobile phone business card
Technical Field
The invention relates to a computer technology, in particular to a two-dimensional code payment method based on a mobile phone business card and a two-dimensional code payment system based on the mobile phone business card.
Background
In general, when the mobile phone realizes two-dimension code payment of an account, a mobile phone client supporting payment needs to be downloaded and installed, a two-dimension code payment function needs to be opened by a binding card in the client before payment, and the client needs to be opened when in use. The whole process requires a certain operation and time, and specifically, the general current two-dimension code scanned transaction technology of the mobile phone comprises the following steps: and opening the binding card of the client, applying for the two-dimension code and accepting the two-dimension code.
1. Client binding card opening process
When the two-dimension code service is used for the first time, a user opens the two-dimension code service by installing the mobile phone client supporting the two-dimension code transaction. The user use flow is as follows:
1) The user downloads and installs a mobile phone client supporting two-dimension code transaction;
2) Registering or inputting account information in the client, and logging in the client; and
3) And inputting bank card information, finishing binding, and opening a two-dimensional code payment service.
2. Two-dimension code application process
After the mobile phone is opened, the mobile phone client is opened when the mobile phone is used each time, and a payment two-dimensional code is applied. The user use flow is as follows:
1) A user opens a mobile phone client supporting a two-dimension code on a mobile phone;
2) Clicking the scanned payment, verifying user information or payment information, and displaying the two-dimensional code.
3. Two-dimension code acceptance process
1) The user gives the payment two-dimensional code to the merchant cashier;
2) And the merchant order receiving system sends the two-dimensional code to the payment system to complete the transaction.
The following disadvantages exist in the prior art:
(1) Two-dimensional code opening depends on mobile phone client
The user needs to download the client and register the user for the first time, and a certain time cost and an operation cost are caused for the new user to get the client and drain. For older users, or groups of users sensitive to download, registration, some experience impact, or user churn is caused.
(2) Two-dimension code binding dependent bank card
When binding a card, the user needs to input information of the bank card, usually the user needs to take out the bank card, and if the user does not carry the card, the operation is inconvenient. Affecting the success rate of opening.
(3) Two-dimensional code binding card is centralized binding card processing
The systems are connected in a central system mode, and each system independently operates, so that if a single system is abnormal, the data of the binding card can be confused and the tracing is difficult.
(4) Two-dimension code application and acceptance depend on mobile phone client
The mobile phone client needs to verify user information or payment information, judge risk conditions, display two-dimensional codes and complete transactions. In the process, the security guarantee is provided by the client, and the tasks of user identification, data security storage, transmission and the like are undertaken, so that the realization is complex.
Disclosure of Invention
In view of the above problems, the present invention aims to provide a two-dimensional code payment method based on a mobile phone business card and a two-dimensional code payment system based on a mobile phone business card, which can simplify user operations.
The two-dimensional code payment method based on the mobile phone business card is realized by a payment system and a mobile phone business card system and is characterized by comprising the following steps:
a request receiving step, wherein a payment system receives a binding request, wherein the binding request comprises bank card information, a mobile phone number and equipment information;
A mapping establishing step, in which the payment system generates an account feedback code corresponding to the bank card information (other account information besides the bank card information is also possible, and the bank card information is taken as an example for illustration) based on the binding request, and simultaneously establishes a first mapping table of the account feedback code, the bank card information, the mobile phone number and the equipment information;
a distribution step, wherein the payment system sends an account feedback code to a mobile phone business card system according to the equipment information;
an account number obtaining step, wherein the mobile phone business card system requests bank card information from the payment system based on an account number feedback code, and the mobile phone business card system obtains the bank card information and the mobile phone number corresponding to the account number feedback code from the payment system; and
and the binding step is that the mobile phone business card system matches the obtained mobile phone number with a second mapping table which is stored in advance and represents the corresponding relation between the mobile phone number and the user business card, and the binding between the bank card information and the user business card is realized.
The account feedback code corresponding to the account information not only includes a system code and Token for replacing the account information, but also can include any other information form capable of replacing the account information, and even the account feedback code of the account information can also be the account information itself.
Optionally, after the binding step, further comprising:
and a two-dimension code acquisition step, wherein the mobile phone business card system initiates a two-dimension code acquisition request to the payment system, the two-dimension code acquisition request contains bank card information bound with the user business card, and a payment two-dimension code corresponding to the bank card information is returned from the payment system.
Optionally, the two-dimensional code obtaining step further includes:
and a two-dimension code acceptance step, wherein the mobile phone business card system pushes the acquired two-dimension code to a user, and payment acceptance based on corresponding bank card information is completed based on the two-dimension code.
Optionally, in the mapping establishing step, the payment system generates a Token corresponding to the bank card information as the account feedback code based on the binding request, and generates a Token refid corresponding to the Token, and simultaneously establishes a correspondence between the bank card information, token, tokenRefID, the mobile phone number and the device information in the first mapping table;
in the distributing step, the payment system transmits the TokenRefID to the mobile business card system according to the device information,
in the account number acquisition step, the mobile phone business card system requests a Token from the payment system based on the Token refid, the mobile phone business card system acquires the Token and the mobile phone number corresponding to the Token refid from the payment system,
In the binding step, matching is performed based on the second mapping table, and binding between the Token and the user business card is realized.
Optionally, after the binding step, further comprising:
and a two-dimension code acquisition step, wherein the mobile phone business card system initiates a two-dimension code acquisition request to the payment system, the two-dimension code acquisition request comprises a Token bound with the user business card, and a payment two-dimension code corresponding to the Token is returned from the payment system.
Optionally, the two-dimensional code obtaining step further includes:
and a two-dimension code acceptance step, wherein the mobile phone business card system pushes the acquired payment two-dimension code to the user, and payment acceptance is completed based on the payment two-dimension code.
Optionally, in the step of distributing, the payment system sends the TokenRefID to the mobile phone business card system in a point-to-point manner.
Optionally, in the step of distributing, the payment system sends the TokenRefID to the mobile business card system by way of a blockchain.
Optionally, the account obtaining step includes the following substeps:
the mobile phone business card system uses an asymmetric encryption mode to request Token from the payment system by Token refID;
the payment system obtains a corresponding Token and a mobile phone number according to the Token refID and the first mapping table, encrypts the corresponding Token and the mobile phone number in an asymmetric mode and returns the encrypted corresponding Token and mobile phone number to the mobile phone business card system; and
The mobile phone business card system decrypts to obtain Token and mobile phone number.
Optionally, the binding step includes the sub-steps of:
the mobile phone name card system matches the obtained mobile phone number with a second mapping table;
binding the name card matched with the mobile phone number and the obtained Token; and
and feeding back the binding result to the payment system.
Optionally, the two-dimensional code obtaining step includes the following substeps:
the mobile phone business card system checks the consistency of the current equipment SIM card number and the mobile phone number;
under the condition of passing the verification, initiating a two-dimensional code acquisition request to a payment system by using the Token and the mobile phone number bound by the user business card; and
and the payment system checks the consistency of the Token and the mobile phone number based on the two-dimension code acquisition request, and returns the payment two-dimension code corresponding to the Token to the mobile phone business card system under the condition of passing the check.
Optionally, in the two-dimensional code acceptance step, the mobile phone user is further set to perform auxiliary verification of verification before payment acceptance is completed.
And the two-dimensional code completes payment acceptance based on the corresponding bank card information.
Optionally, in the mapping establishing step, the payment system generates a system code corresponding to the bank card information as the account feedback code based on the binding request, and generates a system code feedback code corresponding to the system code, and at the same time, further establishes a correspondence among the bank card information, the system code feedback code, the mobile phone number and the device information in the first mapping table;
In the distributing step, the payment system sends a system code feedback code to the mobile phone business card system according to the equipment information,
in the account number obtaining step, the mobile phone business card system requests the system code from the payment system based on the system code feedback code, the mobile phone business card system obtains the system code and the mobile phone number corresponding to the system code feedback code from the payment system,
in the binding step, the second mapping table is used for matching, and the binding of the system code and the user business card is realized.
Optionally, after the binding step, further comprising:
and a two-dimension code acquisition step, wherein the mobile phone business card system initiates a two-dimension code acquisition request to the payment system, the two-dimension code acquisition request comprises a system code bound with the user business card, and a payment two-dimension code corresponding to the system code is returned from the payment system.
Optionally, the two-dimensional code obtaining step further includes:
and a two-dimension code acceptance step, wherein the mobile phone business card system pushes the acquired payment two-dimension code to the user, and payment acceptance is completed based on the payment two-dimension code.
The two-dimensional code payment method based on the mobile phone business card is characterized by comprising the following steps of:
A request receiving step, namely receiving a binding request, wherein the binding request comprises bank card information, mobile phone numbers and equipment information;
a mapping establishing step, namely generating an account feedback code corresponding to the bank card information based on the binding request, and simultaneously establishing a first mapping table of the bank card information, the account feedback code, the mobile phone number and the equipment information;
a distribution step of sending an account feedback code to the outside according to the equipment information;
and an account number providing step of receiving a request for requesting the bank card information based on the account number feedback code from the outside, inquiring the bank card information and the mobile phone number corresponding to the account number feedback code based on the request, and sending the information to the outside.
Optionally, after the account number providing step, further includes:
and a two-dimension code providing step, wherein a two-dimension code obtaining request is received from the outside, the two-dimension code obtaining request comprises bank card information and a mobile phone number which are bound with a user business card, the user business card is bound with the bank card information based on the mobile phone number, and a payment two-dimension code is provided to the outside according to the bank card information and the mobile phone number.
Optionally, after the two-dimensional code providing step, further includes:
And a two-dimension code acceptance step, wherein a payment two-dimension code is received from the outside, and payment acceptance based on corresponding bank card information is completed based on the payment two-dimension code.
Optionally, in the mapping establishing step, token corresponding to the bank card information is generated as the account feedback code based on the binding request, and Token refid corresponding to the Token is generated, while correspondence between the bank card information, token, tokenRefID, the mobile phone number and the device information is further established in the first mapping table,
in the distributing step, tokenRefID is sent to the outside according to the device information,
in the account providing step, a request for requesting a Token based on a Token refid is received from the outside, and a Token and a mobile phone number corresponding to the Token refid are queried based on the request and sent to the outside.
Optionally, after the account number providing step, further includes:
and a two-dimension code providing step, wherein a two-dimension code obtaining request is received from the outside, the two-dimension code obtaining request comprises a Token and a mobile phone number which are bound with a user business card, the user business card is bound with the Token based on the mobile phone number, and a payment two-dimension code is provided to the outside according to the Token and the mobile phone number.
Optionally, after the two-dimensional code providing step, further includes:
and a two-dimension code acceptance step of receiving a payment two-dimension code from the outside and completing payment acceptance based on the payment two-dimension code.
Optionally, in the distributing step, the TokenRefID is sent to the outside in a point-to-point manner.
Optionally, in the distributing step, the TokenRefID is sent to the outside through a blockchain manner.
Optionally, in the two-dimensional code acceptance step, the mobile phone user is further set to perform auxiliary verification of verification before payment acceptance is completed.
The invention relates to a two-dimensional code payment system based on a mobile phone business card, which is characterized by comprising the following steps: a payment system and a mobile phone business card system,
wherein, the payment system includes:
a payment core system for performing a payment function;
a Token system for generating and managing tokens;
a block chain link point module used as a node of the block chain to realize information interaction with the mobile phone business card system,
the mobile phone business card system is used for interacting with the payment system and binding the business card of the user based on Token.
Optionally, the payment core system is configured to receive a binding request, where the binding request includes bank card information, a mobile phone number, and device information,
The Token system is used for generating corresponding Token and Token refid according to the binding request and establishing a first mapping table of bank card information, token, tokenRefID, mobile phone number and equipment information,
the blockchain node module sends the TokenRefID to a mobile phone business card system corresponding to the mobile phone brand according to the equipment information,
after the mobile phone business card system obtains the TokenRefID, requesting to obtain the Token from the payment system based on the TokenRefID,
the Token system returns the corresponding Token and the bank reserved mobile phone number to the mobile phone business card system according to the request from the mobile phone business card system,
the mobile phone business card system binds the Token with the user business card based on obtaining the Token and the bank reserved mobile phone number.
Optionally, the mobile phone business card system is used for requesting payment two-dimensional codes from the payment system based on Token bound with the user business card,
and the Token system generates a payment two-dimensional code corresponding to the Token and the payment two-dimensional code according to the request from the mobile phone business card system and returns the payment two-dimensional code to the mobile phone business card system.
Optionally, the mobile phone business card system is used for providing the payment two-dimensional code to the mobile phone of the user,
the Token system obtains the bank card information corresponding to the Token according to the payment two-dimensional code, and the payment core system is used for completing acceptance based on the bank card information.
Optionally, the blockchain node module sends the TokenRefID to the mobile phone business card system in a blockchain manner.
The payment system of the present invention is characterized by comprising:
a payment core system for performing a payment function;
a Token system for generating and managing tokens; and
the block link point module is used for realizing interaction with external information as a node of the block chain.
Optionally, the payment core system is configured to receive a binding request, where the binding request includes bank card information, a mobile phone number, and device information,
the Token system is used for generating corresponding Token and Token refid according to the binding request and establishing a first mapping table of bank card information, token, tokenRefID, mobile phone number and equipment information,
the blockchain node module sends the TokenRefID to an external mobile phone business card system corresponding to the mobile phone brand according to the equipment information,
after the mobile phone business card system obtains the TokenRefID, requesting to obtain the Token from the payment system based on the TokenRefID,
the Token system returns the Token refid, the corresponding Token and the bank reserved mobile phone number to the external mobile phone business card system according to a request of obtaining the Token based on the Token refid from the external mobile phone business card system, wherein the Token is bound with the user business card.
Optionally, the payment core system generates the payment two-dimensional code corresponding to the Token according to the request from the external mobile phone business card system.
The invention relates to a two-dimensional code payment system based on a mobile phone business card, which is characterized by comprising the following steps: a payment system and a mobile phone business card system,
wherein the payment system comprises:
the payment core system is used for realizing a payment function;
the system coding system is used for realizing the generation and management of system codes; and
the block chain node module is used for completing information interaction with the mobile phone business card system based on a block chain technology,
the mobile phone business card system is used for interacting with the payment system and binding the user business card based on the system codes.
Optionally, the payment core system is configured to receive a binding request, where the binding request includes bank card information, a mobile phone number, and device information,
the system coding system is used for generating corresponding system codes and system code feedback codes according to the binding request and establishing a first mapping table of bank card information, system codes, system code feedback codes, mobile phone numbers and equipment information,
the block chain node module sends a system coding feedback code to a mobile phone business card system corresponding to the equipment information according to the equipment information,
After the mobile phone business card system obtains the system code feedback code, the mobile phone business card system requests the payment system to obtain the system code based on the system code feedback code,
the system coding system returns the corresponding system code and the bank reserved mobile phone number to the mobile phone business card system according to the request from the mobile phone business card system,
the mobile phone business card system binds the system code with the user business card based on the obtained system code and the bank reserved mobile phone number.
Optionally, the mobile phone business card system is used for requesting payment two-dimensional codes from the payment system based on the system codes bound with the user business card,
and the payment core system generates a payment two-dimensional code corresponding to the system code according to the request from the mobile phone business card system and returns the payment two-dimensional code to the mobile phone business card system.
Optionally, the mobile phone business card system is used for providing the payment two-dimensional code to the mobile phone of the user,
the system coding system obtains the bank card information corresponding to the system code according to the payment two-dimensional code, and the payment core system is used for completing acceptance based on the bank card information.
Optionally, the block link point module transmits the system code feedback code to the mobile phone business card system in a block chain mode.
The payment system of the present invention is characterized by comprising:
the payment core system is used for realizing a payment function;
the system coding system is used for realizing the generation and management of system codes; and
and the block chain node module is used for completing information interaction with an external mobile phone business card system based on a block chain technology.
Optionally, the payment core system is configured to receive a binding request, where the binding request includes bank card information, a mobile phone number, and device information,
the system coding system is used for generating corresponding system codes and system code feedback codes according to the binding request and establishing a first mapping table of bank card information, system codes, system code feedback codes, mobile phone numbers and equipment information,
the block chain node module sends a system code feedback code to an external mobile phone business card system corresponding to the equipment information according to the equipment information,
the system coding system returns the corresponding system code and the bank reserved mobile phone number to the external mobile phone business card system according to the request from the external mobile phone business card system.
Optionally, the block link point module sends the system coding feedback code to an external mobile phone business card system in a block chain mode.
The computer-readable medium of the present invention, on which a computer program is stored, is characterized in that,
the computer program realizes the two-dimension code payment method based on the mobile phone business card when being executed by the processor.
The computer equipment comprises a storage module, a processor and a computer program which is stored on the storage module and can run on the processor, and is characterized in that the two-dimensional code payment method based on the mobile phone business card is realized when the processor executes the computer program.
Compared with the traditional two-dimension code binding card opening, the two-dimension code payment method based on the mobile phone business card and the two-dimension code payment system based on the mobile phone business card have the advantages that the binding card work does not need a user to download a client side on the premise of ensuring safety, the user does not need to input bank card information, and the user operation time is greatly shortened.
Compared with the traditional two-dimension code application and acceptance, the two-dimension code payment method based on the mobile phone business card and the two-dimension code payment system based on the mobile phone business card have the advantages that the dependence on the mobile phone client is reduced, the two-dimension code transaction implementation cost is reduced without the client, and the implementation efficiency is improved.
The two-dimensional code payment method based on the mobile phone business card and the two-dimensional code payment system based on the mobile phone business card increase the security of binding card opening through a blockchain technology, establish the mutual trust of the mobile phone business card system and the payment system, and the traceability and non-repudiation, and strengthen transaction security and risk prevention and control.
The two-dimensional code payment method based on the mobile phone business card and the two-dimensional code payment system based on the mobile phone business card are used for avoiding the user identification of the traditional client by means of comparison verification and the like of the mobile phone business card, the SIM mobile phone number, the bank reserved mobile phone number, and the like, so that the systematic risk possibly caused by the traditional mobile phone client due to the user identification is avoided.
Drawings
Fig. 1 is a flowchart showing a two-dimensional code payment method based on a mobile phone business card according to a first embodiment of the present invention.
An example diagram of a two-dimensional code presentation of a mobile phone business card is shown in fig. 2.
Fig. 3 is a schematic diagram showing a two-dimensional code applying stage and a receiving stage in the two-dimensional code payment method based on the mobile phone business card according to the first embodiment of the present invention.
Fig. 4 is a block diagram showing the construction of a two-dimensional code payment system based on a mobile phone business card according to the first embodiment of the present invention.
Fig. 5 is a block diagram showing the construction of a two-dimensional code payment system based on a mobile phone business card according to a second embodiment of the present invention.
Fig. 6 is a block diagram showing a configuration of a two-dimensional code payment system based on a mobile phone business card according to a third embodiment of the present invention.
Fig. 7 is a block diagram showing a configuration of a two-dimensional code payment system based on a mobile phone business card according to a fourth embodiment of the present invention.
Detailed Description
The following presents a simplified summary of the invention in order to provide a basic understanding of the invention. It is not intended to identify key or critical elements of the invention or to delineate the scope of the invention.
For the purposes of brevity and explanation, the principles of the present invention are described herein primarily with reference to exemplary embodiments thereof. However, those skilled in the art will readily recognize that the same principles are equally applicable to all types of two-dimensional code payment methods based on cell phone business cards and two-dimensional code payment systems based on cell phone business cards, and that these same principles may be implemented therein, and that any such variations do not depart from the true spirit and scope of the present patent application.
Also, in the following description, reference is made to the accompanying drawings that illustrate specific exemplary embodiments. Electrical, mechanical, logical and structural changes may be made to these embodiments without departing from the spirit and scope of the present invention. Furthermore, while a feature of the invention may have been disclosed with respect to only one of several implementations/embodiments, such feature may be combined with one or more other features of the other implementations/embodiments, as may be desired and/or advantageous for any given or identifiable function. The following description is, therefore, not to be taken in a limiting sense, and the scope of the present invention is defined by the appended claims and their equivalents.
Terms such as "comprising" and "including" mean that the technical solution of the present invention does not exclude the case of having other units (modules) and modules not directly or explicitly stated, in addition to having units (modules) and modules directly or explicitly stated in the description and the claims.
First embodiment
First, a two-dimensional code payment method based on a mobile phone business card and a two-dimensional code payment system based on a mobile phone business card according to a first embodiment of the present invention will be described.
In the following description, the mobile phone business card is described based on a mobile phone, which is only used for facilitating understanding of one embodiment of the invention, and the mobile phone can be replaced by any type of electronic terminal.
Fig. 1 is a flowchart showing a two-dimensional code payment method based on a mobile phone business card according to a first embodiment of the present invention. An example diagram of a two-dimensional code presentation of a mobile phone business card is shown in fig. 2.
The two-dimensional code payment method based on the mobile phone business card of the first embodiment can be roughly divided into three stages: a binding card opening stage, a two-dimension code applying stage and a two-dimension code receiving stage. Next, these three stages will be described separately.
First, the binding card opening phase is explained.
The binding card opening stage comprises steps S101-S105 in FIG. 1.
Step S101: the banking system initiates an opening to the payment system.
Specifically, when the user transacts the bank card business in various channels such as banking outlets, mobile phone banking, online banking and the like, the user selects to open the payment function of the mobile phone business card. The bank system initiates a mobile phone business card two-dimension code opening request to the payment system, including opening bank card information (other account information besides the bank card information is also possible, and the bank card information is taken as an example for illustration), a mobile phone number, equipment information (for example, a user mobile phone brand) and the like. In a general alternative way, the request message encrypts and signs the information, and the payment system performs signature verification on the information and decrypts the information to obtain data.
Step S102: the payment system tokenizes the bank card.
Specifically, the payment system tokenizes the bank card, generates Token (which may be referred to as a Token) and Token refid (which may be referred to as a Token feedback identification code or a Token feedback identification code), and returns the Token to the bank system. Meanwhile, a first mapping table of the corresponding relation among the information such as the bank card, the Token, tokenRefID, the mobile phone number, the equipment information and the like is established.
Step S103: the payment system sends a TokenRefID to the mobile phone business card system through the blockchain.
Specifically, the payment system and the mobile phone business card system adopt the block chain technology of the alliance chain to carry out information interaction, and establish and strengthen the security and mutual trust between each other. The specific method is as follows:
(1) The payment system and each mobile phone business card system are taken as member nodes of the alliance chain, and the alliance members achieve consensus through mutual trust of multiple centers of the blockchain. Each member node corresponds to a mobile phone business card system of a certain (or a plurality of) mobile phone brands and has respective node addresses.
(2) And the payment system sends TokenRefID to the node address of the mobile phone business card system corresponding to the equipment information (such as a mobile phone brand) according to the node address, and sends confirmation on the alliance chain. After all on-chain nodes are confirmed, the transmission is completed. At this time, the TokenRefID belongs to a certain node (mobile phone business card system) to obtain consensus, and each node has records. The mobile phone business card system which is opened by the TokenRefID (corresponding to the Token) is beneficial to tracing and defining the mobile phone business card system which belongs to the TokenRefID in the future.
Step S104: the mobile phone business card system acquires Token.
The mobile phone business card system uses an asymmetric encryption mode, and requests the payment system to obtain Token by Token refID and self public key, and carries signature data. The payment system verifies the signature, encrypts the Token and the bank reserved mobile phone number by using the public key of the mobile phone business card system, and returns the encrypted public key and signature to the other party. After the mobile phone business card system performs signature verification and decryption, a Token and a bank reserved mobile phone number are obtained.
Step S105: the mobile phone business card system binds Token.
Specifically, the mobile phone business card system is matched with a user with the same mobile phone number as the bank reserved mobile phone number in association with the mobile phone number of the personal business card in the mobile phone user and the SIM card number of the mobile phone equipment. Binding Token with the user name card. After the binding is completed, the mobile phone business card system returns the binding result to the payment system, and the payment system returns to the bank system.
Next, a two-dimensional code generation stage is described.
The two-dimensional code application stage includes step S106 in the figure.
Step S106: when a user opens (address book) my business card by using mobile phone equipment and initiates a two-dimension code acquisition request by using a mobile phone business card system, the mobile phone business card system checks the consistency of the current equipment SIM card number and the reserved mobile phone number, and requests a payment two-dimension code from a payment system by using a Token bound by the business card (wherein if one user equipment is provided with a plurality of SIM cards, any SIM card can meet the condition).
Step S107: the payment system receives Token and reserved mobile phone number sent by the mobile phone business card system, checks consistency of the Token and the reserved mobile phone number, and generates a payment two-dimensional code corresponding to the Token and the reserved mobile phone number and returns to the mobile phone business card system under the condition that the check is successful.
Finally, the two-dimensional code acceptance stage is described.
The two-dimensional code acceptance stage includes step S108 in fig. 1.
Step S108: the mobile phone business card system pushes the payment two-dimensional code to mobile phone equipment (not shown) of a user, the payment two-dimensional code is displayed in the address book (for example, the payment two-dimensional code is displayed beside the head portrait, see fig. 2), a merchant scans the payment two-dimensional code, the payment two-dimensional code is sent to a payment system through a receipt mechanism, and the payment system obtains corresponding bank card information according to the corresponding relation between the payment two-dimensional code and Token and the reserved mobile phone number and completes acceptance.
In addition, the two-dimensional code display of the mobile phone business card shown in fig. 2 is only an example, and the two-dimensional code can be located at the lower part of the figure or at other positions, and the display mode of the two-dimensional code is not limited at all, so long as the two-dimensional code is bound with the mobile phone business card, the two-dimensional code can fall into the protection scope of the invention.
Fig. 3 is a schematic diagram showing a two-dimensional code applying stage and a receiving stage in the two-dimensional code payment method based on the mobile phone business card according to the first embodiment of the present invention.
As shown in fig. 3, according to the two-dimensional code payment method based on the mobile phone business card of the first embodiment of the present invention, when a mobile phone user sends a payment request to a mobile phone business card system, the mobile phone business card system sends the payment request (including Token and reserved mobile phone number) to a payment system, the payment system returns a payment two-dimensional code to the mobile phone business card system (wherein the payment system generates a payment two-dimensional code corresponding to the Token and reserved mobile phone number according to the Token and reserved mobile phone number), the mobile phone business card system returns the payment two-dimensional code to the mobile phone user, so that a "payment two-dimensional code" is displayed on a mobile phone of the user, for example, in a column of my business card, a merchant sends a request for completing payment to the payment system after scanning the payment two-dimensional code (wherein the payment system obtains the payment two-dimensional code, obtains corresponding bank card information according to the correspondence between the payment two-dimensional code and the Token and the reserved mobile phone number, and completes payment based on the bank card information).
Fig. 4 is a block diagram showing the construction of a two-dimensional code payment system based on a mobile phone business card according to the first embodiment of the present invention.
As shown in fig. 4, the two-dimensional code payment system based on a mobile phone business card according to the first embodiment of the present invention includes: a payment system 100 and a cell phone business card system 200.
Wherein the payment system 100 comprises: payment core system 110, token system 120, and block link point module 130. The payment core system 110 performs various functions related to payment, and the Token system 120 performs various functions related to Token generation and management. The blockchain node module 130 completes information interaction with the mobile phone business card system 200 based on blockchain technology.
The mobile phone business card system 200 includes a plurality of mobile phone business card systems of mobile phone business card system a, mobile phone business card system B, … … mobile phone business card system M. These business card systems may be categorized according to device information, for example, by brand of the phone, by various device information of the type of the main system in which the phone is running.
The payment core system 110 is configured to receive a binding request from a banking system, where the binding request includes information of a bank card, a reserved mobile phone number, device information, and the like. The binding requests can be provided to a bank core system through a mobile phone bank, an online bank, a WeChat bank, a bank counter and the like, and the bank core system sends the request for opening the two-dimension code function of the mobile phone business card to a payment system.
The Token system 120 is configured to generate a corresponding Token and a Token refid according to the binding request, and establish a mapping relationship between the bank card information (e.g. a bank card number), token, tokenRefID, the reserved mobile phone number, and the device information (e.g. a mobile phone brand), where the mapping relationship is referred to as a first mapping table.
Further, the blockchain link point module 130 may be considered as part of the payment system 100 as a node of the blockchain or may represent the entirety of the payment system 100 as a node of the blockchain. The TokenRefID is sent from the payment system 100 to the cell phone business card system 200 through the blockchain node module 130. Specifically, the payment system 100 itself or the block link point module 130, and each of the mobile business card systems 200 are all member nodes of the federation chain, and the federation members agree on each other through multi-center mutual trust of the block chain. Each member node corresponds to a mobile phone business card system(s) of a certain mobile phone brand and has a respective node address, for example, in fig. 4, the node address of the payment node module 130 is mobile system node00, and the node addresses of the mobile phone business card system a, the mobile phone business card system B, and the mobile phone business card system … … are mobilesystemnodeA, mobilesystemnodeB and … … mobile system node M, respectively.
The block link point module 130 sends the TokenRefID to the node address of the mobile phone business card system corresponding to the device information (for example, mobile phone brand) according to the device information, and sends confirmation on the alliance chain, and after all the nodes on the chain confirm, the sending is completed. At this time, the TokenRefID is assigned to a certain node (the mobile phone business card system 200) and is commonly known, and each node has a record.
After the mobile phone business card system 200 obtains the Token refid, it requests the payment system 100 to obtain the Token with the Token refid and its public key by using an asymmetric encryption method, and carries the signature data.
The Token system of the payment system 100 verifies the signature, encrypts the Token and the bank reserved mobile phone number by using the public key of the mobile phone business card system 200, attaches the public key and the signature, and returns the encrypted mobile phone number to the mobile phone business card system 200.
After the mobile phone business card system 200 performs signature verification and decryption, a Token and a bank reserved mobile phone number are obtained. The mobile phone business card system 200 matches the mobile phone number of the mobile phone user and the SIM card number of the mobile phone device is the same as the mobile phone number reserved by the bank. The cell phone business card system 200 binds the Token with the user business card. After the binding is completed, the mobile phone business card system 200 returns the binding result to the payment system 100, and the payment system 100 returns the result to the banking system.
When a user opens (address book) my business card using a mobile phone device, and initiates a two-dimensional code acquisition request using the mobile phone business card system 200, the mobile phone business card system 200 checks the consistency of the current device SIM card number and the reserved mobile phone number, and requests payment of the two-dimensional code from the payment system 100 with the Token bound by the business card if the check passes.
In the two-dimension code application stage, token system 110 of payment system 100 receives Token and reserved mobile phone number sent by the mobile phone business card system, checks the consistency of Token and reserved mobile phone number, and if the check is successful, token system 120 of payment system 100 generates a payment two-dimension code corresponding to Token and reserved mobile phone number and returns to mobile phone business card system 200.
Then, in the stage of acceptance, the mobile phone business card system 200 pushes the two-dimension code for payment to one mobile phone user of the mobile phone user 1, the mobile phone user 2 and the mobile phone user N, and the two-dimension code for payment is displayed on the device of the mobile phone user, for example, in the address book "my business card", and the two-dimension code for payment is scanned by the merchant. The merchant provides the payment two-dimensional code to the payment system 100 through the order receiving system, the Token system 120 of the payment system 100 obtains corresponding bank card information according to the corresponding relation between the payment two-dimensional code and the Token and the reserved mobile phone number, and the payment core system 110 completes the acceptance.
As described above, according to the two-dimensional code payment method based on the mobile phone business card and the two-dimensional code payment system based on the mobile phone business card of the first embodiment of the invention, compared with the conventional two-dimensional code binding card opening, the binding card work does not need a user to download a client side and does not need the user to input bank card information on the premise of ensuring safety, so that the user operation time is greatly reduced, the binding card threshold is reduced, and the use will is improved.
Further, compared with the traditional two-dimension code application and acceptance, the two-dimension code payment method based on the mobile phone business card according to the first embodiment of the invention does not need to download a mobile phone client, reduces the dependence on the mobile phone client, can pay without the client, can reduce the implementation cost of two-dimension code transaction and improves the implementation efficiency.
Furthermore, according to the two-dimensional code payment method based on the mobile phone business card and the two-dimensional code payment system based on the mobile phone business card of the first embodiment of the invention, the security of opening the binding card is increased by utilizing the blockchain technology, the mutual trust, traceability and non-repudiation of the mobile phone business card system and the payment system are established, and the transaction security and risk prevention and control are enhanced.
Still further, according to the two-dimensional code payment method based on the mobile phone business card and the two-dimensional code payment system based on the mobile phone business card of the first embodiment of the invention, the traditional client user identification is not needed by comparing and checking the mobile phone business card, the SIM mobile phone number and the bank reserved mobile phone number, and the systematic risk possibly caused by the traditional mobile phone client due to the user identification is avoided.
Second embodiment next, a two-dimensional code payment method based on a mobile phone business card and a two-dimensional code payment system based on a mobile phone business card according to a second embodiment of the present invention will be described.
The two-dimensional code payment method based on the mobile phone business card and the two-dimensional code payment system based on the mobile phone business card of the second embodiment are different from those of the first embodiment in that the technique of Token-based processing of the bank card information is not adopted, but the Token is replaced by the system code, and the Token refid is replaced by the system code feedback code.
Although Token technology is not used in the second embodiment, the main flow is the same as that shown in fig. 1, and therefore, the two-dimensional code payment method based on a mobile phone business card according to the second embodiment will be described here with reference to fig. 1.
Similarly, the two-dimensional code payment method based on the mobile phone business card in the second embodiment is also divided into three stages: a binding card opening stage, a two-dimension code applying stage and a two-dimension code receiving stage.
First, the binding card opening phase is explained.
The binding card opening stage comprises steps S101-S105 in FIG. 1.
Step S101: an opening is initiated from the banking system to the payment system.
Specifically, when the user transacts the bank card business in various channels such as banking outlets, mobile phone banking, online banking and the like, the user selects to open the payment function of the mobile phone business card. The bank system initiates a mobile phone business card two-dimension code opening request to the payment system, wherein the request comprises opening a bank card, reserving a mobile phone number, a user mobile phone brand and the like.
Step S102: the payment system encodes the bank card.
Specifically, the payment system encodes the bank card, generates a system code and a system code feedback code, and returns the system code to the bank system. Meanwhile, a first mapping table of information such as a bank card, a system code feedback code, a reserved mobile phone number, a mobile phone brand and the like is established.
Step S103: the payment system sends a system code feedback code to the mobile phone business card system through the block chain.
Step S104: the mobile phone business card system acquires the system code.
The mobile phone business card system uses an asymmetric encryption mode, and requests the payment system to obtain the system code by using the system code feedback code and the public key of the mobile phone business card system, and the mobile phone business card system is attached with signature data. The payment system verifies the signature, encrypts the system code by using the public key of the mobile phone business card system, encrypts the bank reserved mobile phone number, attaches the public key of the payment system and the signature, and returns the signature to the other party. After the mobile phone business card system performs signature verification and decryption, a system code and a bank reserved mobile phone number are obtained.
Step S105: the mobile phone business card system binds the system code.
Specifically, the mobile phone business card system is matched with a user with the same mobile phone number as the bank reserved mobile phone number in the mobile phone number of the own business card of the associated mobile phone user and the SIM card number of the mobile phone equipment. Binding the system code with the user business card. After the binding is completed, the mobile phone business card system returns the binding result to the payment system, and the payment system returns to the bank system.
Next, a two-dimensional code generation stage is described.
Step S106: when a user opens (address book) my business card by using the mobile phone equipment and initiates a two-dimension code acquisition request by using the mobile phone business card system, the mobile phone business card system checks the consistency of the current equipment SIM card number and the reserved mobile phone number, and the payment two-dimension code is requested to a payment system by using the system code bound by the business card.
Step S107: the payment system receives the system code and the reserved mobile phone number sent by the mobile phone business card system, checks the consistency of the system code and the reserved mobile phone number, and generates a payment two-dimensional code corresponding to the system code and the reserved mobile phone number and returns to the mobile phone business card system under the condition of successful check.
Finally, the two-dimensional code acceptance stage is described.
Step S108: the mobile phone business card system pushes the payment two-dimensional code to mobile phone equipment (not shown) of a user, the payment two-dimensional code is displayed in the address book of the business card, a merchant scans the payment two-dimensional code and sends the payment two-dimensional code to a payment system through a receipt mechanism, and the payment system obtains corresponding bank card information according to the corresponding relation between the payment two-dimensional code and the system code and the reserved mobile phone number and completes acceptance.
According to the two-dimensional code payment method based on the mobile phone business card of the second embodiment of the invention, when a mobile phone user sends a payment request to a mobile phone business card system, the mobile phone business card system sends the payment request (comprising a system code and a reserved mobile phone number) to a payment system, the payment system returns a payment two-dimensional code to the mobile phone business card system (wherein the payment system generates a payment two-dimensional code corresponding to the system code and the reserved mobile phone number according to the system code and the reserved mobile phone number), and the mobile phone business card system returns the payment two-dimensional code to the mobile phone user, so that a 'payment two-dimensional code' is displayed on a mobile phone of the user, for example, a merchant sends a request for completing payment to the payment system after scanning the payment two-dimensional code (wherein the payment system obtains the payment two-dimensional code, obtains corresponding bank card information according to the corresponding relation between the payment two-dimensional code and the system code and the reserved mobile phone number, and completes payment based on the bank card information).
Fig. 5 is a block diagram showing the construction of a two-dimensional code payment system based on a mobile phone business card according to a second embodiment of the present invention.
As shown in fig. 5, a two-dimensional code payment system based on a mobile phone business card according to a second embodiment of the present invention includes: a payment system 300 and a cell phone business card system 400.
Wherein the payment system 300 comprises: payment core system 310, system encoding system 320, and block link point module 330. The payment core system 310 performs various functions related to payment, and the system code system 320 performs various functions related to generation and management of system codes. The blockchain node module 330 completes the information interaction with the mobile phone business card system 400 based on the blockchain technology.
The mobile phone business card system 400 includes a plurality of mobile phone business card systems, such as mobile phone business card system a, mobile phone business card system B, … … mobile phone business card system M shown in fig. 5. These business card systems may be categorized according to device information, for example, by brand of the phone, by various device information of the type of the main system in which the phone is running.
The payment core system 310 is configured to receive a binding request from a banking system, where the binding request includes information such as bank card information, reserved mobile phone numbers, and device information. The binding requests can be provided to a bank core system through a mobile phone bank, an online bank, a WeChat bank, a bank counter and the like, and the bank core system sends the request for opening the two-dimension code function of the mobile phone business card to a payment system.
The system coding system 320 is configured to generate a corresponding system code and a system code feedback code according to the binding request, and establish a mapping relationship between the bank card information (e.g. a bank card number), the system code feedback code, the reserved mobile phone number, and the device information (e.g. a mobile phone brand).
Further, the blockchain link point module 330 may be considered as part of the payment system 300 and as a node of the blockchain, or may be representative of the entirety of the payment system 300 as a node of the blockchain. The system encoded feedback code is sent from the payment system 300 to the cell phone business card system 400 through the blockchain node module 330. Specifically, the payment system 300 itself or the blockchain node module 330, and each of the mobile business card systems 400, act as member nodes of a federation chain, with consensus among the federation members being achieved by multicenter mutual trust of the blockchain. Each member node corresponds to a mobile phone business card system of a certain (or a plurality of) mobile phone brands and has respective node addresses.
The block link point module 330 transmits the system code feedback code to the node address of the mobile phone business card system corresponding to the mobile phone brand according to the device information, and transmits and confirms on the alliance chain, and after all the nodes on the chain confirm, the transmission is completed. At this time, the system code feedback code is assigned to a certain node (mobile phone business card system 400) to obtain consensus, and each node has records.
After the mobile phone business card system 400 obtains the system code feedback code, the system code feedback code and the public key thereof are requested to the payment system 300 by using an asymmetric encryption mode, and the system code is obtained with the signature data.
The system encoding system of the payment system 300 verifies the signature, encrypts the system code and the bank reserved mobile phone number by using the public key of the mobile phone business card system 400, attaches the public key of the system code and the signature, and returns the system code and the bank reserved mobile phone number to the mobile phone business card system 400.
After the mobile phone business card system 400 performs signature verification and decryption, a system code and a bank reserved mobile phone number are obtained. The mobile phone business card system 400 matches the mobile phone number of the mobile phone user, and the SIM card number of the mobile phone device is the same as the mobile phone number reserved by the bank. The cell phone business card system 400 binds the system code to the user business card. After the binding is completed, the mobile phone business card system 400 returns the binding result to the payment system 300, and the payment system 300 returns the result to the banking system.
When a user opens (address book) my business card using a mobile phone device, and initiates a two-dimensional code acquisition request using the mobile phone business card system 400, the mobile phone business card system 400 checks the consistency of the current device SIM card number and the reserved mobile phone number, and requests payment of the two-dimensional code from the payment system 300 by the system code bound by the business card if the check passes.
In the two-dimension code applying stage, the system coding system 310 of the payment system 300 receives the system code of the mobile phone business card system 400 and the reserved mobile phone number, checks the consistency of the system code and the reserved mobile phone number, and under the condition of successful check, the system coding system 320 of the payment system 300 generates a payment two-dimension code corresponding to the system code and the reserved mobile phone number and returns the payment two-dimension code to the mobile phone business card system 400.
In the acceptance stage, the mobile phone business card system 400 pushes the payment two-dimensional code to the mobile phone user, and the payment two-dimensional code is displayed on the device of the mobile phone user, for example, in the address book "my business card", and the merchant scans the payment two-dimensional code, and the payment two-dimensional code can be scanned by the merchant. The merchant provides the payment two-dimensional code to the payment system 300 through the order receiving system, the system coding system 320 of the payment system 300 obtains corresponding bank card information according to the corresponding relation between the payment two-dimensional code and the system code and the reserved mobile phone number, and the payment core system 310 completes acceptance based on the bank card information.
As described above, according to the two-dimensional code payment method based on the mobile phone business card and the two-dimensional code payment system based on the mobile phone business card according to the second embodiment of the invention, compared with the conventional two-dimensional code binding card, security can be ensured by converting bank card information into system codes, and on the premise that the security is ensured, the binding card does not need a user to download a client, the user does not need to input bank card information, the user operation time is greatly reduced, the binding card threshold is reduced, and the use will is improved.
Further, compared with the traditional two-dimension code application and acceptance, the two-dimension code payment method based on the mobile phone business card according to the second embodiment of the invention does not need to download a mobile phone client, reduces the dependence on the mobile phone client, can pay without the client, can reduce the implementation cost of two-dimension code transaction and improves the implementation efficiency.
Furthermore, according to the two-dimensional code payment method based on the mobile phone business card and the two-dimensional code payment system based on the mobile phone business card of the second embodiment of the invention, the security of opening the binding card is increased by utilizing the blockchain technology, the mutual trust, traceability and non-repudiation of the mobile phone business card system and the payment system are established, and the transaction security and risk prevention and control are enhanced.
Still further, according to the two-dimensional code payment method based on the mobile phone business card and the two-dimensional code payment system based on the mobile phone business card according to the second embodiment of the invention, the traditional client user identification is not needed by comparing and checking the mobile phone business card, the SIM mobile phone number and the bank reserved mobile phone number, and the systematic risk possibly caused by the traditional mobile phone client due to the user identification is avoided.
Third embodiment
Next, a two-dimensional code payment method based on a mobile phone business card and a two-dimensional code payment system based on a mobile phone business card according to a third embodiment of the present invention will be described.
The two-dimensional code payment method based on the mobile phone business card and the two-dimensional code payment system based on the mobile phone business card of the third embodiment are different from those of the first embodiment in that the bank card information does not need to be tokenized, but the subsequent flow is directly carried out by using the bank card information.
Although Token technology is not used in the third embodiment, the main flow is the same as that shown in fig. 1, and therefore, the two-dimensional code payment method based on a mobile phone business card according to the third embodiment will be described here with reference to fig. 1.
Similarly, the two-dimensional code payment method based on the mobile phone business card in the third embodiment is also divided into three stages: a binding card opening stage, a two-dimension code applying stage and a two-dimension code receiving stage.
First, the binding card opening phase is explained.
The binding card opening stage comprises steps S101-S105 in FIG. 1.
Step S101: an opening is initiated from the banking system to the payment system.
Specifically, when the user transacts the bank card business in various channels such as banking outlets, mobile phone banking, online banking and the like, the user selects to open the payment function of the mobile phone business card. The bank system initiates a mobile phone business card two-dimension code opening request to the payment system, wherein the request comprises opening bank card information, reserving mobile phone numbers, user mobile phone brands and the like.
Step S102: the payment system generates a bank card feedback code corresponding to the bank card information according to the opening request, and stores a first mapping table of the corresponding relation among the bank card information, the bank card feedback code, the reserved mobile phone number and the mobile phone brand.
Step S103: the payment system sends a bank card feedback code to the mobile phone business card system through the blockchain.
Step S104: the mobile phone business card system acquires the information of the bank card.
The mobile phone business card system uses an asymmetric encryption mode, requests the payment system to obtain the information of the bank card by the feedback code of the bank card and the public key of the mobile phone business card system, and carries signature data. The payment system verifies the signature, encrypts the bank card information and the bank reserved mobile phone number by using the public key of the mobile phone business card system, and returns the mobile phone business card system after attaching the public key and the signature. And after the mobile phone business card system performs signature verification and decryption, acquiring bank card information and a bank reserved mobile phone number.
Step S105: the mobile phone business card system binds the information of the bank card.
Specifically, the mobile phone business card system is matched with a user with the same mobile phone number as the bank reserved mobile phone number in the mobile phone number of the own business card of the associated mobile phone user and the SIM card number of the mobile phone equipment. Binding the bank card information with the user business card. After the binding is completed, the mobile phone business card system returns the binding result to the payment system, and the payment system returns to the bank system.
Next, a two-dimensional code generation stage is described.
Step S106: when a user opens (address book) my business card by using mobile phone equipment and initiates a two-dimension code acquisition request by using a mobile phone business card system, the mobile phone business card system checks the consistency of the current equipment SIM card number and the reserved mobile phone number, and the payment two-dimension code is requested to a payment system by using the bank card information bound by the business card.
Step S107: the payment system receives the bank card information and the reserved mobile phone number sent by the mobile phone business card system, verifies the consistency of the bank card information and the reserved mobile phone number, and generates a payment two-dimensional code corresponding to the bank card information and the reserved mobile phone number and returns to the mobile phone business card system under the condition that verification is successful.
Finally, the two-dimensional code acceptance stage is described.
Step S108: the mobile phone business card system pushes the payment two-dimensional code to mobile phone equipment (not shown) of a user, the payment two-dimensional code is displayed in the address book of the business card, a merchant scans the payment two-dimensional code and sends the payment two-dimensional code to a payment system through a receipt mechanism, and the payment system obtains corresponding bank card information according to the corresponding relation between the payment two-dimensional code and bank card information and the reserved mobile phone number and completes acceptance.
According to the two-dimension code payment method based on the mobile phone business card of the third embodiment of the invention, when a mobile phone user sends a payment request to a mobile phone business card system, the mobile phone business card system sends the payment request (comprising bank card information and reserved mobile phone numbers) to a payment system, the payment system returns a payment two-dimension code to the mobile phone business card system (wherein the payment system generates a payment two-dimension code corresponding to the bank card information and the reserved mobile phone numbers according to the bank card information and the reserved mobile phone numbers), the mobile phone business card system returns the payment two-dimension code to the mobile phone user, so that a 'payment two-dimension code' is displayed on a mobile phone of the user, for example, a merchant sends a payment completion request to the payment system after scanning the payment two-dimension code (wherein the payment system obtains the payment two-dimension code, obtains corresponding bank card information according to the corresponding relationship between the payment two-dimension code and the bank card information and the reserved mobile phone numbers, and finishes payment deduction based on the bank card information).
Fig. 6 is a block diagram showing a configuration of a two-dimensional code payment system based on a mobile phone business card according to a third embodiment of the present invention.
As shown in fig. 6, a two-dimensional code payment system based on a mobile phone business card according to a first embodiment of the present invention includes: a payment system 500 and a cell phone business card system 600.
Wherein the payment system 500 comprises: payment core system 510 and block link point module 520. The payment core system 510 performs various functions related to payment and various management functions related to bank card information. The blockchain node module 520 completes the information interaction with the mobile phone business card system 600 based on the blockchain technology.
The mobile phone business card system 600 includes a plurality of mobile phone business card systems, such as mobile phone business card system a, mobile phone business card system B, … … mobile phone business card system M shown in fig. 6. These business card systems may be categorized according to device information, for example, by brand of the phone, by various device information of the type of the main system in which the phone is running. Here, the mobile phone business card system 600 may be configured to correspond to one brand or various types of mobile phone devices of multiple brands.
The payment core system 510 is configured to receive a binding request from a banking system, where the binding request includes information such as bank card information, a reserved mobile phone number, and device information.
The payment core system 510 is configured to generate a bank card feedback code of the corresponding bank card information according to the binding request, and establish a mapping relationship between the bank card information (e.g. a bank card number), the bank card feedback code, the reserved mobile phone number, and the device information (e.g. a mobile phone brand).
Further, the blockchain link point module 520 may be considered part of the payment system 500 or may be a blockchain node representing the entirety of the payment system 500. The bank card feedback code is sent from the payment system 500 to the cell phone business card system 600 through the blockchain node module 520. Specifically, the payment system 500 itself or the blockchain node module 520, and each of the mobile phone business card systems 600, act as member nodes of a federation chain, with consensus among the federation members achieved by multicenter mutual trust of the blockchain. Each member node corresponds to a mobile phone business card system of a certain (or a plurality of) mobile phone brands and has respective node addresses.
The block link point module 520 sends the feedback code of the bank card to the node address of the mobile phone business card system corresponding to the mobile phone brand according to the equipment information, and sends and confirms on the alliance chain, and after all the nodes on the chain confirm, the sending is completed. At this time, the feedback code of the bank card is assigned to a certain node (mobile phone business card system 600) to obtain consensus, and each node has records.
After the mobile phone business card system 600 obtains the feedback code of the bank card, the mobile phone business card system uses an asymmetric encryption mode to request the payment system 500 for obtaining the information of the bank card by the feedback code of the bank card and the public key of the mobile phone business card system, and the mobile phone business card system is attached with signature data.
The bank card information system of the payment system 500 verifies the signature, encrypts the bank card information and the reserved mobile phone number by using the public key of the mobile phone business card system 600, attaches the public key of the bank card information and the signature, and returns the encrypted information and the reserved mobile phone number to the mobile phone business card system 600.
After the mobile phone business card system 600 performs signature verification and decryption, bank card information is obtained and mobile phone numbers are reserved. The mobile phone business card system 600 matches the mobile phone number of the mobile phone user and the SIM card number of the mobile phone device with the same number as the reserved mobile phone. The mobile business card system 600 binds the bank card information to the user business card. After binding is completed, the mobile phone business card system 600 returns the binding result to the payment system 500, and the payment system 500 returns the result to the banking system.
When a user opens (address book) my business card using a mobile phone device, and initiates a two-dimensional code acquisition request using the mobile phone business card system 600, the mobile phone business card system 600 checks the consistency of the current device SIM card number and the reserved mobile phone number, and requests payment of the two-dimensional code from the payment system 500 with the bank card information bound by the business card if the check passes.
In the two-dimension code applying stage, the payment system 500 receives the bank card information and the reserved mobile phone number of the mobile phone business card system 600, verifies the consistency of the bank card information and the reserved mobile phone number, and under the condition that verification is successful, the payment system 500 generates a payment two-dimension code corresponding to the bank card information and the reserved mobile phone number and returns the payment two-dimension code to the mobile phone business card system 600.
In the acceptance stage, the mobile phone business card system 600 pushes the payment two-dimensional code to the mobile phone user, and the payment two-dimensional code is displayed on the device of the mobile phone user, for example, in the address book "my business card", and the merchant scans the payment two-dimensional code, and the payment two-dimensional code can be scanned by the merchant. The merchant provides the payment two-dimensional code to the payment system 500 through the order receiving system, the payment system 500 obtains corresponding bank card information according to the corresponding relation between the payment two-dimensional code and the bank card information and the reserved mobile phone number, and the payment core system 510 completes acceptance based on the bank card information.
As described above, according to the two-dimensional code payment method based on the mobile phone business card and the two-dimensional code payment system based on the mobile phone business card according to the third embodiment of the present invention, the user does not need to download the client during the card binding operation, the user does not need to input the information of the bank card, the operation time of the user is greatly reduced, the card binding threshold is reduced, and the use will is improved.
Further, compared with the traditional two-dimension code application and acceptance, the two-dimension code payment method based on the mobile phone business card according to the third embodiment of the invention does not need to download a mobile phone client, reduces the dependence on the mobile phone client, can pay without the client, can reduce the implementation cost of two-dimension code transaction and improves the implementation efficiency.
Furthermore, according to the two-dimensional code payment method based on the mobile phone business card and the two-dimensional code payment system based on the mobile phone business card of the third embodiment of the invention, the security of opening the binding card is increased by utilizing the blockchain technology, the mutual trust, traceability and non-repudiation of the mobile phone business card system and the payment system are established, and the transaction security and risk prevention and control are enhanced.
Still further, according to the two-dimensional code payment method based on the mobile phone business card and the two-dimensional code payment system based on the mobile phone business card of the third embodiment of the invention, the traditional client user identification is not needed by comparing and checking the mobile phone business card, the SIM mobile phone number and the bank reserved mobile phone number, and the systematic risk possibly caused by the traditional mobile phone client due to the user identification is avoided.
The two-dimensional code payment method based on a mobile phone business card and the two-dimensional code payment system based on a mobile phone business card of the fourth embodiment are different from the fourth embodiment in that the payment core system 710 does not exist alone in the fourth embodiment, but the payment core system itself in the payment system is made to have Token management capability and can perform the actions of the payment core system 710 in the fourth embodiment.
Although the Token system is not separately provided in the fourth embodiment, the main flow is basically the same as that shown in fig. 1, and the description thereof is omitted here.
Fig. 7 is a block diagram showing a configuration of a two-dimensional code payment system based on a mobile phone business card according to a fourth embodiment of the present invention.
As shown in fig. 7, a two-dimensional code payment system based on a mobile phone business card according to a fourth embodiment of the present invention includes: a payment system 700 and a cell phone business card system 800.
Wherein the payment system 700 comprises: a payment core system 710 and a block link point module 720.
The payment core system 710 performs various functions related to payment and functions related to Token generation and management. The blockchain node module 720 completes the information interaction with the mobile phone business card system 800 based on the blockchain technology.
The mobile phone business card system 800 includes a plurality of mobile phone business card systems of mobile phone business card system a, mobile phone business card system B, … … mobile phone business card system M. These business card systems may be categorized according to device information, for example, by brand of the phone, by various device information of the type of the main system in which the phone is running.
The payment core system 710 is configured to receive a binding request from a banking system, where the binding request includes information such as bank card information, a reserved mobile phone number, and device information. The binding requests can be provided to a bank core system through a mobile phone bank, an online bank, a WeChat bank, a bank counter and the like, and the bank core system sends the request for opening the two-dimension code function of the mobile phone business card to a payment system.
The payment core system 710 is configured to generate a Token and a Token refid according to the binding request, and establish a mapping relationship between the bank card information (e.g. a bank card number), token, tokenRefID, the reserved mobile phone number, and the device information (e.g. a mobile phone brand), where the mapping relationship is referred to as a first mapping table.
Further, the blockchain link point module 720 may be considered as part of the payment system 700 as a node of the blockchain or may represent the entirety of the payment system 700 as a node of the blockchain. The TokenRefID is sent from the payment system 700 to the cell phone business card system 800 through the blockchain node module 720. Specifically, the blockchain node module 720 of the payment system 700, and each of the mobile phone business card systems 800, serve as member nodes of the federation chain, and the federation members agree on each other through multi-center mutual trust of the blockchain. Each of which
The block link point module 720 sends the TokenRefID to the node address of the mobile phone business card system corresponding to the mobile phone brand according to the device information, and sends confirmation on the alliance chain, and after all the nodes on the chain confirm, the sending is completed. At this time, the TokenRefID belongs to a certain node (mobile phone business card system 800) and is commonly known, and each node has a record.
After the mobile phone business card system 800 obtains the Token refid, it requests the payment system 700 to obtain the Token with the Token refid and its public key by using an asymmetric encryption method, and carries the signature data.
The payment core system 710 verifies the signature, encrypts the Token and the bank reserved mobile phone number by using the public key of the mobile phone business card system 800, attaches the public key of the payment core system and the signature, and returns the encrypted mobile phone number to the mobile phone business card system 800.
After the mobile phone business card system 800 performs signature verification and decryption, a Token and a bank reserved mobile phone number are obtained. The mobile phone business card system 800 matches the mobile phone number of the mobile phone user and the SIM card number of the mobile phone device with the same mobile phone number reserved by the bank. The cell phone business card system 800 binds Token with the user business card. After binding is completed, the mobile phone business card system 800 returns the binding result to the payment system 700, and the payment system 700 returns the result to the banking system.
When a user opens (address book) my business card by using a mobile phone device, and then initiates a two-dimension code acquisition request by using the mobile phone business card system 800, the mobile phone business card system 800 checks the consistency of the current device SIM card number and the reserved mobile phone number, and under the condition that the check passes, requests payment of the two-dimension code from the payment system 700 by using the Token bound by the business card.
In the two-dimension code declaring stage, the payment core system 710 receives the Token and the reserved mobile phone number sent by the mobile phone business card system, checks the consistency of the Token and the reserved mobile phone number, and under the condition that the check is successful, the payment core system 710 generates a payment two-dimension code corresponding to the Token and the reserved mobile phone number and returns the payment two-dimension code to the mobile phone business card system 800.
Then, in the stage of acceptance, the mobile phone business card system 800 pushes the two-dimension code for payment to one mobile phone user of the mobile phone user 1, the mobile phone user 2 and the mobile phone user N, and the two-dimension code for payment is displayed on the device of the mobile phone user, for example, in the address book "my business card", and the two-dimension code for payment is scanned by the merchant. The merchant provides the payment two-dimensional code to the payment system 700 through the order receiving system, the payment core system 710 obtains corresponding bank card information according to the corresponding relation between the payment two-dimensional code and Token and the reserved mobile phone number, and the payment core system 710 completes the acceptance.
As described above, according to the two-dimensional code payment method based on the mobile phone business card and the two-dimensional code payment system based on the mobile phone business card of the fourth embodiment of the invention, compared with the conventional two-dimensional code binding card opening, the binding card work does not need a user to download a client side and does not need the user to input bank card information on the premise of ensuring safety, thereby greatly reducing the operation time of the user, lowering the binding card threshold and improving the use will.
Further, compared with the traditional two-dimension code application and acceptance, the two-dimension code payment method based on the mobile phone business card according to the fourth embodiment of the invention does not need to download a mobile phone client, reduces the dependence on the mobile phone client, can pay without the client, can reduce the implementation cost of two-dimension code transaction and improves the implementation efficiency.
Furthermore, according to the two-dimensional code payment method based on the mobile phone business card and the two-dimensional code payment system based on the mobile phone business card of the fourth embodiment of the invention, the security of opening the binding card is increased by utilizing the blockchain technology, the mutual trust, traceability and non-repudiation of the mobile phone business card system and the payment system are established, and the transaction security and risk prevention and control are enhanced.
Still further, according to the two-dimensional code payment method based on the mobile phone business card and the two-dimensional code payment system based on the mobile phone business card according to the fourth embodiment of the invention, the traditional client user identification is not needed by comparing and checking the mobile phone business card, the SIM mobile phone number and the bank reserved mobile phone number, and the systematic risk possibly caused by the traditional mobile phone client due to the user identification is avoided.
Furthermore, according to the two-dimensional code payment method based on the mobile phone business card and the two-dimensional code payment system based on the mobile phone business card of the fourth embodiment of the present invention, the Token system is not required to be separately set for the payment system, so long as the payment core system itself can have the capability of producing and managing the Token.
Modifications of the above embodiments will be described below in brief with modification examples 1 to 3.
Modification 1 in the two-dimensional code payment method based on the mobile phone business card and the two-dimensional code payment system based on the mobile phone business card according to the first to fourth embodiments, a blockchain technology is adopted to realize information interaction between the payment system and the mobile phone business card system, and as a modification mode, a point-to-point transmission mode can be adopted instead of the blockchain technology. In this way, the security of the data can also be ensured.
Modification 2 in the two-dimensional code payment method based on the mobile phone business card and the two-dimensional code payment system based on the mobile phone business card according to the first to fourth embodiments, before the two-dimensional code is displayed in the two-dimensional code acceptance process, the mobile phone business card system may be set to perform additional auxiliary verification on the user, such as fingerprint verification, face verification, password verification, and the like.
In the binding card opening stage, modification 3 may add auxiliary verification information, such as a name, an identification card number, an address, and the like, in addition to binding bank card information, a reserved mobile phone number, and a user mobile phone brand.
Thus, the security of payment can be further improved.
In addition, in the binding card opening stage, the binding relation between other security elements such as mobile phone equipment information and Token can be further increased, so that the payment safety can be further improved, and more wind control guarantees are provided.
Modification 4
In the above embodiment, in the process of acquiring the information of the bank card by the mobile phone business card system, the mobile phone business card system uses an asymmetric encryption mode to request the payment system for acquiring the information of the bank card by the feedback code of the bank card and the public key of the mobile phone business card system, and the mobile phone business card system carries signature data. The payment system verifies the signature, encrypts the bank card information and the bank reserved mobile phone number by using the public key of the mobile phone business card system, and returns the public key and the signature to the mobile phone business card system. In addition to this public key exchange, the payment system and the mobile phone business card system can be set to be developed in other forms of prior agreement.
The invention also provides a computer readable medium, on which a computer program is stored, which when executed by a processor, implements the two-dimensional code payment method based on the mobile phone business card.
The invention also provides computer equipment, which comprises a storage module, a processor and a computer program stored on the storage module and capable of running on the processor, wherein the two-dimensional code payment method based on the mobile phone business card is realized when the processor executes the computer program.
The above examples mainly illustrate the two-dimensional code payment method based on the mobile phone business card and the two-dimensional code payment system based on the mobile phone business card. Although only a few specific embodiments of the present invention have been described, those skilled in the art will appreciate that the present invention may be embodied in many other forms without departing from the spirit or scope thereof. Accordingly, the present examples and embodiments are to be considered as illustrative and not restrictive, and the invention is intended to cover various modifications and substitutions without departing from the spirit and scope of the invention as defined by the appended claims.

Claims (21)

1. The two-dimensional code payment method based on the mobile phone business card is realized by a payment system and a mobile phone business card system and is characterized by comprising the following steps:
a request receiving step, wherein a payment system receives a binding request, wherein the binding request comprises account information, a mobile phone number and equipment information;
a mapping establishing step, wherein the payment system generates an account feedback code corresponding to account information based on the binding request, and simultaneously establishes a first mapping table of the account feedback code, the account information, the mobile phone number and the equipment information;
a distribution step, wherein the payment system sends an account feedback code to a mobile phone business card system according to the equipment information;
an account obtaining step, wherein the mobile phone business card system requests account information from the payment system based on an account feedback code, and the mobile phone business card system obtains the account information and the mobile phone number corresponding to the account feedback code from the payment system;
a binding step, the mobile phone business card system matches the obtained mobile phone number with a second mapping table which is stored in advance and represents the corresponding relation between the mobile phone number and the mobile phone business card, and realizes the binding of account information and the mobile phone business card;
a two-dimension code acquisition step, namely a mobile phone business card system initiates a two-dimension code acquisition request to a payment system, wherein the two-dimension code acquisition request contains account information bound with the mobile phone business card, and a payment two-dimension code corresponding to the account information is returned from the payment system; and
A two-dimension code acceptance step, the mobile phone business card system pushes the obtained payment two-dimension code to the user, the payment acceptance based on the corresponding account information is completed based on the payment two-dimension code,
in the map establishing step, the payment system generates a Token corresponding to account information as the account feedback code based on the binding request, and generates a Token feedback identification code corresponding to the Token, while further establishing a correspondence between account information, token feedback identification code, mobile phone number and device information in the first map,
in the step of distributing, the payment system sends Token feedback identification code to the mobile phone business card system according to the equipment information, in the step of obtaining account, the mobile phone business card system requests Token to the payment system based on the Token feedback identification code, the mobile phone business card system obtains Token and mobile phone number corresponding to the Token feedback identification code from the payment system,
in the binding step, matching is carried out based on the second mapping table, and binding between the Token and the mobile phone business card is realized.
2. The two-dimensional code payment method based on the mobile phone business card of claim 1, wherein,
in the distributing step, the payment system sends the Token feedback identification code to the mobile phone business card system in a point-to-point mode.
3. The two-dimensional code payment method based on the mobile phone business card of claim 1, wherein,
in the distributing step, the payment system sends the Token feedback identification code to the mobile phone business card system in a block chain mode.
4. The two-dimensional code payment method based on the mobile phone business card of claim 1, wherein,
the account obtaining step comprises the following substeps:
the mobile phone business card system uses an asymmetric encryption mode to request Token from the payment system by Token feedback identification codes;
the payment system obtains a corresponding Token and a mobile phone number according to the Token feedback identification code and the first mapping table, encrypts the corresponding Token and the mobile phone number in an asymmetric mode and returns the encrypted mobile phone number to the mobile phone business card system; and
the mobile phone business card system decrypts to obtain Token and mobile phone number.
5. The two-dimensional code payment method based on the mobile phone business card of claim 4, wherein,
the binding step comprises the following substeps:
the mobile phone name card system matches the obtained mobile phone number with a second mapping table;
binding a mobile phone business card matched with the mobile phone number with the obtained Token; and
and feeding back the binding result to the payment system.
6. The two-dimensional code payment method based on the mobile phone business card of claim 1, wherein,
The two-dimensional code obtaining step comprises the following substeps:
the mobile phone business card system checks the consistency of the current equipment SIM card number and the mobile phone number;
under the condition of passing the verification, initiating a two-dimensional code acquisition request to a payment system by using the Token and the mobile phone number bound by the mobile phone business card; and
and the payment system checks the consistency of the Token and the mobile phone number based on the two-dimension code acquisition request, and returns the payment two-dimension code corresponding to the Token to the mobile phone business card system under the condition of passing the check.
7. The two-dimensional code payment method based on the mobile phone business card of claim 1, wherein,
in the two-dimension code acceptance step, the mobile phone user is further provided with auxiliary verification for verification before payment acceptance is completed.
8. The two-dimensional code payment method based on the mobile phone business card of claim 1, wherein,
in the mapping establishing step, the payment system generates a system code corresponding to the account information as the account feedback code based on the binding request, and generates a system code feedback code corresponding to the system code, while further establishing correspondence among the account information, the system code feedback code, the mobile phone number and the device information in the first mapping table,
In the distributing step, the payment system sends the system code feedback code to the mobile phone business card system according to the equipment information, in the account obtaining step, the mobile phone business card system requests the system code from the payment system based on the system code feedback code, the mobile phone business card system obtains the system code and the mobile phone number corresponding to the system code feedback code from the payment system,
in the binding step, the second mapping table is used for matching, and the binding of the system code and the mobile phone business card is realized.
9. The two-dimensional code payment method based on the mobile phone business card is characterized by comprising the following steps of:
a request receiving step, namely receiving a binding request, wherein the binding request comprises account information, a mobile phone number and equipment information;
a mapping establishing step, namely generating an account feedback code corresponding to the account information based on the binding request, and simultaneously establishing a first mapping table of the account information, the account feedback code, the mobile phone number and the equipment information;
a distribution step of sending an account feedback code to the outside according to the equipment information;
an account number providing step of receiving a request for requesting account information based on an account number feedback code from the outside, inquiring account information and a mobile phone number corresponding to the account number feedback code based on the request, and transmitting the information to the outside; and
A two-dimension code providing step of receiving a two-dimension code obtaining request from the outside, wherein the two-dimension code obtaining request comprises account information and a mobile phone number which are bound with a mobile phone business card, the mobile phone business card is bound with the account information based on the mobile phone number, and a payment two-dimension code is provided to the outside according to the account information and the mobile phone number; and
a two-dimensional code acceptance step of receiving a payment two-dimensional code from the outside and completing payment acceptance based on the corresponding account information based on the payment two-dimensional code,
in the map establishing step, token corresponding to account information is generated as the account feedback code based on the binding request, and Token feedback identification code corresponding to the Token is generated, while correspondence among account information, token feedback identification code, mobile phone number and device information is further established in the first map,
in the distributing step, a Token feedback identification code is transmitted to the outside in accordance with the device information,
in the account number providing step, a request for requesting account information based on a Token feedback identification code is received from the outside, and a Token and a mobile phone number corresponding to the Token feedback identification code are queried based on the request and sent to the outside.
10. The two-dimensional code payment method based on the mobile phone business card of claim 9, wherein,
in the distributing step, the Token feedback identification code is sent to the outside in a point-to-point mode.
11. The two-dimensional code payment method based on the mobile phone business card of claim 9, wherein,
in the distributing step, the Token feedback identification code is sent to the outside in a blockchain mode.
12. The two-dimensional code payment method based on the mobile phone business card of claim 11, wherein,
in the two-dimension code acceptance step, the mobile phone user is further provided with auxiliary verification for verification before payment acceptance is completed.
13. A two-dimensional code payment system based on a mobile phone business card is characterized by comprising: the payment system and the mobile phone business card system, wherein the payment system comprises:
a payment core system for performing a payment function;
a Token system for generating and managing tokens;
a block chain link point module used as a node of the block chain to realize information interaction with the mobile phone business card system,
the mobile phone business card system is used for interacting with the payment system and realizing the binding of the mobile phone business card based on Token, wherein the payment core system is used for receiving a binding request, the binding request comprises account information, mobile phone number and equipment information,
The Token system is used for generating a corresponding Token and a Token feedback identification code corresponding to the Token according to the binding request, establishing a first mapping table of account information, token feedback identification code, mobile phone number and equipment information,
the block chain node module sends the Token feedback identification code to a mobile phone business card system corresponding to the equipment information according to the equipment information,
after the mobile phone business card system obtains the Token feedback identification code, the mobile phone business card system requests the payment system to obtain Token based on the Token feedback identification code,
the Token system returns the corresponding Token and the mobile phone number to the mobile phone business card system according to the request from the mobile phone business card system,
the mobile phone business card system binds the Token with the mobile phone business card based on the obtained Token and the mobile phone number,
the mobile phone business card system is used for requesting payment two-dimensional codes from the payment system based on Token bound with the mobile phone business card,
the payment core system generates a payment two-dimensional code corresponding to the Token and the payment two-dimensional code according to the request from the mobile phone business card system and returns the payment two-dimensional code to the mobile phone business card system, wherein the mobile phone business card system is used for providing the payment two-dimensional code for a user,
The Token system obtains account information corresponding to the Token according to the payment two-dimensional code, and the payment core system is used for completing acceptance based on the account information.
14. The two-dimensional code payment system based on the mobile phone business card of claim 13,
and the blockchain node module transmits the Token feedback identification code to the mobile phone business card system in a blockchain mode.
15. A payment system, comprising:
a payment core system for performing a payment function;
a Token system for generating and managing tokens; and
the payment core system is used for receiving a binding request, wherein the binding request comprises account information, a mobile phone number and equipment information,
the Token system is used for generating a corresponding Token and a Token feedback identification code corresponding to the Token according to the binding request, establishing a first mapping table of account information, token feedback identification code, mobile phone number and equipment information,
the block chain node module sends the Token feedback identification code to an external mobile phone business card system corresponding to the equipment information according to the equipment information,
After the mobile phone business card system obtains the Token feedback identification code, the mobile phone business card system requests the payment system to obtain Token based on the Token feedback identification code,
the Token system returns the Token feedback identification code, the corresponding Token and the mobile phone number to the external mobile phone business card system according to the request of obtaining the Token based on the Token feedback identification code from the external mobile phone business card system, wherein the Token is bound with the mobile phone business card,
and the payment core system generates a payment two-dimensional code corresponding to the Token according to the request from the external mobile phone business card system.
16. A two-dimensional code payment system based on a mobile phone business card is characterized by comprising: the payment system and the mobile phone business card system, wherein the payment system comprises:
the payment core system is used for realizing a payment function;
the system coding system is used for realizing the generation and management of system codes; and
the block chain node module is used for completing information interaction with the mobile phone business card system based on a block chain technology,
the mobile phone business card system is used for interacting with the payment system and binding the mobile phone business card based on the system codes, wherein,
The payment core system is used for receiving a binding request, wherein the binding request comprises account information, a mobile phone number and equipment information,
the system coding system is used for generating a corresponding system code and a system code feedback code corresponding to the system code according to the binding request, and establishing a first mapping table of account information, the system code feedback code, a mobile phone number and equipment information,
the block chain node module sends a system coding feedback code to a mobile phone business card system corresponding to the equipment information according to the equipment information,
after the mobile phone business card system obtains the system code feedback code, the mobile phone business card system requests the payment system to obtain the system code based on the system code feedback code,
the system coding system returns the corresponding system code and the mobile phone number to the mobile phone business card system according to the request from the mobile phone business card system,
the mobile phone business card system binds the system code with the mobile phone business card based on the system code and the mobile phone number, wherein the mobile phone business card system is used for requesting payment of the two-dimensional code from the payment system based on the system code bound with the mobile phone business card,
The payment core system generates a payment two-dimensional code corresponding to the system code according to the request from the mobile phone business card system and returns the payment two-dimensional code to the mobile phone business card system,
the mobile phone business card system is used for providing the payment two-dimensional code for the user,
the system coding system obtains account information corresponding to the system code according to the payment two-dimensional code, and the payment core system is used for completing acceptance based on the account information.
17. The two-dimensional code payment system based on the mobile phone business card of claim 16, wherein the block link point module transmits the system code feedback code to the mobile phone business card system in a block chain manner.
18. A payment system, comprising:
the payment core system is used for realizing a payment function;
the system coding system is used for realizing the generation and management of system codes; and
the block chain node module completes information interaction with an external mobile phone business card system based on a block chain technology, wherein the payment core system is used for receiving a binding request, the binding request comprises account information, mobile phone numbers and equipment information,
the system coding system is used for generating a corresponding system code and a system code feedback code corresponding to the system code according to the binding request, and establishing a first mapping table of account information, the system code feedback code, a mobile phone number and equipment information,
The block chain node module sends a system code feedback code to an external mobile phone business card system corresponding to the equipment information according to the equipment information,
the system coding system returns the corresponding system codes and the mobile phone numbers to the external mobile phone business card system according to the request from the external mobile phone business card system.
19. A payment system as recited in claim 18, wherein,
and the block chain link point module transmits the system coding feedback code to an external mobile phone business card system in a block chain mode.
20. A computer readable medium having a computer program stored thereon, characterized in that,
the computer program when executed by a processor implements the two-dimensional code payment method based on a mobile phone business card according to any one of claims 1 to 8.
21. A computer device comprising a memory module, a processor and a computer program stored on the memory module and executable on the processor, wherein the processor implements the two-dimensional code payment method based on a mobile phone business card according to any one of claims 1 to 8 when executing the computer program.
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