WO2017012542A1 - 一种使用二维码的无卡支付方法及其*** - Google Patents

一种使用二维码的无卡支付方法及其*** Download PDF

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Publication number
WO2017012542A1
WO2017012542A1 PCT/CN2016/090634 CN2016090634W WO2017012542A1 WO 2017012542 A1 WO2017012542 A1 WO 2017012542A1 CN 2016090634 W CN2016090634 W CN 2016090634W WO 2017012542 A1 WO2017012542 A1 WO 2017012542A1
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WO
WIPO (PCT)
Prior art keywords
merchant
payment
service system
user
dimensional code
Prior art date
Application number
PCT/CN2016/090634
Other languages
English (en)
French (fr)
Inventor
焦若筠
希罗科夫•瓦勒里
Original Assignee
焦若筠
希罗科夫•瓦勒里
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
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Application filed by 焦若筠, 希罗科夫•瓦勒里 filed Critical 焦若筠
Priority to CN201680042103.1A priority Critical patent/CN108027925B/zh
Publication of WO2017012542A1 publication Critical patent/WO2017012542A1/zh

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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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • 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
    • G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
    • 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
    • G06Q20/326—Payment applications installed on the mobile devices

Definitions

  • the invention belongs to the field of cardless payment transactions. More specifically, the present invention is a consumer-oriented system for displaying cardless payment by displaying a two-dimensional code to a merchant cash register.
  • a physical credit card with a magnetic stripe is used to swipe the merchant's magnetic stripe card reader to authorize it, which is also part of the point-of-sale device.
  • An electronic payment request is sent to the credit card processor in the magnetic stripe card reader.
  • the credit card processor sends the payment request to a bank card network, such as a Visa or MasterCard network center, and sends the request to the card issuer, such as a bank. Assuming the card issuer approves the transaction, an approval transaction signal is sent to the merchant.
  • Some of these transactions will also involve other payment networks or vendors. If this happens, the cardholder needs to swipe multiple times.
  • Another common shopping payment technology is online shopping, such as browsing a merchant's website using a web browser. If the consumer is already in the merchant's store, it should not be paid in the form of online shopping.
  • This cash register does not occupy the physical space of the merchant, and does not require a physical POS system or a mobile electronic device to implement cardless transactions.
  • the invention is a method and system for realizing cardless payment for a merchant without placing an entity cash register in the store.
  • the invention includes 1) a static, printable merchant account QR code that the merchant can easily copy. 2) A graphical user interface that allows customers to pay for merchants. Customers can scan static QR codes or electronic codes. 3)
  • the system described in the second item allows consumers to make payments in physical merchant stores or remote payments through network merchant ports. 4) A system that allows merchants to verify that the payment behavior on the consumer's mobile phone is correct. Simply enter a password in the consumer's mobile phone to confirm, and the merchant does not need to configure additional equipment. 5) After the merchant verifies the payment, the mobile electronic device receives the confirmation information and sends it to the payer for authorization.
  • Verify the payment system the merchant can check whether the payment behavior of the consumer is completed by the notification information on the consumer's mobile phone.
  • the payment verification system can store the transaction information in a third-party server, and the merchant can obtain the transaction information by registering the merchant user and logging in. Register the account with your email.
  • the present invention adopts the following technical solutions.
  • a cardless payment method using a two-dimensional code comprising the steps of:
  • the payment service system includes a mobile application server and/or a security server;
  • the input verification code matches the preset verification code, and the payment service system successfully processes the transaction; or the input verification code does not match the preset verification code, then the payment service system prompts to input the correct verification code, repeating 4 ), 5) and 6) steps.
  • the payment service system displays the receipt on the user device and generates an email to send the receipt to the merchant and the user.
  • the cardless payment method using a two-dimensional code according to any one of (1) to (13), wherein the mobile application server processes non-secure information, the non-secure information including a merchant address and a telephone number;
  • the server processes security information including credit card numbers, debit card numbers, bank accounts, user accounts, and/or user identity information.
  • a cardless payment system using a two-dimensional code comprising a payment service system, a user equipment, a merchant QR code, a payment port, a payment processor, and a merchant bank account; the payment service system separately with a payment port, and a payment The processor and the merchant bank account are connected; the user equipment is connected to the payment service system via the Internet.
  • the cardless payment system using a two-dimensional code according to any one of (18) to (27), wherein the mobile application server processes non-secure information, the non-secure information including a merchant address and a telephone number;
  • the security server processes security information including credit card numbers, debit card numbers, bank accounts, user accounts, and/or user identity information.
  • a cardless payment method using a two-dimensional code comprising the steps of:
  • the payment service system includes a mobile application server and/or a security server;
  • the payment service system displays the receipt on the user device and generates an email to send the receipt to the merchant and the user.
  • a cardless payment method using a two-dimensional code according to any one of claims (29) to (34), wherein the payment service system is connected to a payment port, a payment processor, and a merchant bank account, respectively.
  • a cardless payment method using a two-dimensional code according to any one of claims (29) to (35), wherein the payment port stores a credit card number or a debit card code.
  • the system disclosed by the present invention allows a merchant to implement cardless payment by scanning a two-dimensional code without having to configure an physical cash register in the store.
  • cardless payment is realized, which greatly reduces the expensive cost of the merchant's configuration of the relevant cash register equipment, and also reduces the store space occupied by the equipment.
  • consumers or consumers in a physical storefront can pay for cards without paying by scanning a QR code containing a merchant account.
  • the printed account QR code can be placed in multiple places in the store so that different consumers can pay at the same time.
  • the number of cash registers limits the speed of payment when multiple consumers need to pay or have more payment orders.
  • a merchant account is created through a third party, the merchant may need to provide information about its business, such as a business address, email address, phone number, bank account, and the like.
  • Third parties (such as mobile app developers) may use this information to create a merchant account, in which case the third party will pay to the merchant via direct deposit or through a payment processor like Dwolla. This merchant account also authorizes third parties.
  • the merchant or consumer can enter the corresponding order payable amount.
  • Merchants can get the total order amount through traditional paper and pencil calculations, computers or traditional POS systems.
  • the mobile phone will connect to the third-party server, and the merchant must input the merchant verification code to indicate that the amount is agreed and passed the settlement.
  • consumers can use the user interface on their phone to pay a tip other than the order amount. Not only that, but consumers' mobile phones can also automatically calculate taxes based on the region where the merchant is located.
  • Entering the merchant confirmation code means that the merchant agrees to the payment amount initiated by the consumer, of course, the amount is agreed by both parties.
  • the merchant code needs to be consistent with the merchant code of the third-party system, and the transaction will be authorized after the entered merchant code matches the code in the third-party database. If the code entered by the merchant does not match the code of the third-party system, the transaction will not be authorized, the consumer's mobile phone will receive the reminder, and then ask the merchant to re-enter the correct code.
  • the merchant code may be the fingerprint of an employee or store manager, and in this way, the transaction can also be authorized. Sometimes the store owner may trust the consumer, let the consumer enter the merchant code and use the confirmation page to verify the consumer's payment. Merchants can confirm the completion of the transaction by receiving an email reminder.
  • Figure 1 is a simplified diagram of a cardless payment system architecture.
  • Figure 2 is a flow chart of a cardless payment system.
  • 100 is a user equipment
  • 102 is a merchant QR code
  • 104 is the Internet
  • 106 is a payment port
  • 108 is a payment service system
  • 110 is a mobile application server
  • 112 is a security server
  • 114 is a user account or a merchant account
  • 116 For the payment processor, 118 is the merchant bank account.
  • a cardless payment method using a two-dimensional code includes the following steps:
  • the payment service system includes a mobile application server and/or a security server;
  • the input verification code matches the preset verification code, and the payment service system successfully processes the transaction; or the input verification code does not match the preset verification code, then the payment service system prompts to input the correct verification code, repeating 4 ), 5) and 6) steps.
  • the payment service system displays the receipt on the user device and generates an email to send the receipt to the merchant and the user.
  • the user registers the user account in the payment service system, and the merchant registers the merchant account in the payment service system; the user inputs the user bank account information in the payment service system and is associated with the user account, and the merchant inputs the merchant bank account information in the payment service system and is associated with the merchant account.
  • the payment service system automatically recognizes and inputs bank account information by photographing, or the payment service system recognizes and manually selects a bank card that has been bound on the mobile device, other website or application.
  • the verification code is a fingerprint.
  • the merchant QR code is associated with a merchant bank account.
  • the merchant QR code is generated by the payment service system prior to the transaction.
  • the merchant QR code is displayed in the merchant store.
  • the number of the merchant two-dimensional codes is at least one, and the payment service system simultaneously processes transactions corresponding to different merchant two-dimensional codes.
  • the merchant creates more than one merchant QR code on different tables, so that the merchant can know the order of the order, the customer's seat, and can handle multiple payment transactions without setting up multiple devices.
  • the payment service system is respectively connected to a payment port, a payment processor, and a merchant bank account.
  • the payment port stores a credit card number or a debit card code.
  • the payment service system is connected to the user equipment via the Internet.
  • the mobile application server processes non-secure information including a merchant address and a phone number; the security The server processes security information including credit card numbers, debit card numbers, bank accounts, user accounts, and/or user identity information.
  • the user device is a handheld computer device or a portable electronic device or a smartphone or tablet that can be installed using a mobile phone application.
  • the gift giver is sent to the recipient by creating a specific limit account, and the recipient opens the gift link to launch the mobile application, performing the steps described in (1).
  • the gift giver sends the gift to the recipient by creating a specific limit account, and the recipient opens the gift link and jumps to the web browser to perform the steps described in (1).
  • a cardless payment system using a two-dimensional code includes a payment service system 108, a user device 100, a merchant QR code 102, a payment port 106, a payment processor 116, and a merchant bank account 118.
  • the payment service system 108 includes a mobile application server 110 and/or a secure server 112.
  • the payment service system 108 is coupled to a payment port 106, a payment processor 116, and a merchant bank account 118, respectively; the user device 100 is coupled to the payment service system 108 via the Internet 104.
  • the user registers the user account in the payment service system, and the merchant registers the merchant account in the payment service system; the user inputs the user bank account information in the payment service system and is associated with the user account, and the merchant inputs the merchant bank account information in the payment service system and is associated with the merchant account.
  • the user device is a handheld computer device or a portable electronic device or a smartphone or tablet that can be installed using a mobile phone application.
  • the merchant QR code is associated with a merchant bank account.
  • the merchant QR code is generated by the payment service system prior to the transaction.
  • the merchant QR code is displayed in the merchant store.
  • the number of the merchant two-dimensional codes is at least one, and the payment service system simultaneously processes transactions corresponding to different merchant two-dimensional codes.
  • the merchant creates more than one merchant QR code on different tables, so that the merchant can know the order of the order, the customer's seat, and can handle multiple payment transactions without setting up multiple devices.
  • the payment port stores a credit card number or a debit card code.
  • the mobile application server processes non-secure information including a merchant address and a phone number; the security server processes security information including a credit card number, a debit card number, a bank account, a user account, and/or a user Identity Information.
  • a cardless payment method using a two-dimensional code comprising the following steps:
  • the payment service system includes a mobile application server and/or a security server;
  • the payment service system displays the receipt on the user device and generates an email to send the receipt to the merchant and the user.
  • the user registers the user account in the payment service system, the merchant registers the merchant account in the payment service system; the user inputs the user bank account information in the payment service system and is associated with the user account, and the merchant inputs the merchant bank account letter in the payment service system.
  • the interest is associated with the merchant account.
  • the payment service system automatically recognizes and inputs bank account information by photographing, or the payment service system recognizes and manually selects a bank card that has been bound on the mobile device, other website or application.
  • the merchant QR code is associated with a merchant bank account.
  • the merchant QR code is generated by the payment service system prior to the transaction.
  • the payment service system is respectively connected to a payment port, a payment processor, and a merchant bank account.
  • the payment port stores a credit card number or a debit card code.
  • the payment service system is connected to the user equipment via the Internet.
  • the system disclosed in this application enables a user to purchase a physical item in a merchant store, even if there is no physical cash register in the merchant store, the consumer can use the cardless payment to conduct the transaction.
  • a user can use a financial account to conduct a transaction without providing an entity payment card to the merchant.
  • the invisible cash register in the merchant's point of sale does not have to be physically located in the merchant's store, but the merchant can receive a reminder notification that each consumer makes a secure payment in the store.
  • the user From the user's point of view, the user first has to register an account with no card payment system.
  • the registration process needs to provide specific information, such as a financial account sufficient to complete the payment transaction, and if a credit card account is provided, then credit card information, such as a credit card number and expiration date, is required.
  • credit card information such as a credit card number and expiration date
  • the user wants to redeem a gift from a friend, there is no need to enter a specific payment information.
  • the end user he or she will recommend other payment methods, such as debit cards, prepaid cards, bank accounts or other third party financial accounts.
  • the registration process may require contact information from the user, such as an address or email address and other identifying information.
  • the merchant first needs to register an account without card payment.
  • the registration process also requires specific business information, such as the merchant's address, email address, merchant type, name, mobile phone number, and financial account that can make direct deposits. Sometimes it can be a void check or a direct deposit by sending an email.
  • Third party account After the merchant account is created, the cardless payment system (we or Dollop) can create a QR code for the Dollop account of the merchant and also create a merchant verification code or stamp.
  • the user can scan the Dollop QR code in the merchant store. After scanning, the user's mobile phone will prompt you to display the amount to be paid. They can enter the corresponding payment amount and press OK. When the user verifies the amount they paid, the mobile app prompts the merchant to enter a verification code to verify the payment. The merchant needs to check if the user has entered the correct amount due and then enter the verification code to confirm the payment.
  • the server completes the payment activity according to the user's financial information, and does not need to present the entity payment card to directly collect the amount due from the user's financial account, and the amount is agreed by the merchant.
  • both the user and the merchant will receive the receipt, and the mobile app will display a payment confirmation on the user's mobile phone.
  • the user can immediately show the merchant that the payment has been paid. If not displayed, the user can ask the merchant to enter the verification PIN again. Therefore, no card payment can be realized in the merchant store without the physical merchant cash register.
  • FIG. 1 is a schematic structural diagram of a cardless payment system that does not require a physical merchant cash register.
  • the entire system includes user equipment 100, Internet 104, merchant QR code 102 (no need to connect to the Internet or a POS system).
  • the merchant QR code 102 can be easily copied and displayed in multiple places in the store, helping users to trade, without the need to connect to the Internet or POS system to handle cardless payments.
  • the user's device 100 is a removable computer device, such as a handheld computer device or a portable electronic device that can be installed using a mobile phone application, or a smart phone or tablet.
  • the merchant QR code 102 is not a computer device, but needs to be connected to a merchant account that has a cardless payment processor. This will eliminate physical devices and even wireless networks, and will enable all consumers using smartphones to implement card-free payments in all stores.
  • the cardless payment processor operator runs a cardless payment system.
  • the user device 100 and the merchant QR code 102 representing the merchant bank account 118 can communicate with the payment service system 108 using the Internet 104.
  • the payment service system 108 includes a mobile application server 110 and a secure server 112 that can handle all transactions between all of the user devices 100 and the merchant bank account 118.
  • the merchant bank account 118 is associated with the merchant QR code 102.
  • the mobile application server 110 can process non-secure information, for example, he can store public information of the merchant, such as a business address or telephone number.
  • the mobile application server 110 is also responsible for transferring or updating the user application of the user's mobile device.
  • the mobile application server 112 is responsible for pushing merchant information about the provided payment service system 108 to the user.
  • the secure server 112 can handle security information such as credit card numbers, debit card numbers, bank accounts, user accounts, user identity information, or other sensitive information.
  • security server does not store a specific credit card number, but may store the payment information through the third party payment port 106, so that the user information fragment will be saved in the form of a separate authentication code like Auth. .net is in the payment port 106, but does not leave the original credit card information.
  • Sensitive information is not stored on our cardless payment system 108, but is stored on the service provider of the payment port 106.
  • Payment service system 108 can communicate electronically with payment processor 116, such as: Paypal, Dwolla, and the like. This allows deposits to be deposited directly into the merchant bank account 118, which is also associated with the payment service system 108.
  • the security server 112 displays the reconciliation information of the payment service system 108 and the merchant bank account 118, and the security server 112 can save the merchant account 114 and the user account 114.
  • the user Before the user and the merchant use the cardless payment system to conduct the transaction, the user must establish a user account at the payment service system 108, and the merchant must also establish a merchant account at the payment service system 108.
  • Users can register their user accounts using a mobile app or website, or they can use a mobile device or other computer device, such as a computer at home.
  • the user application is downloaded to the user device 100, for example, the application is downloaded in the application store.
  • User accounts can also be created through user applications or other applications, such as a universal web browser.
  • the user needs to enter a name, account password and contact information, such as an email address.
  • financial account information may include the user's credit card opening line, credit card number, expiration date, and possibly a credit card security code (CVV) and a communication address.
  • CVV credit card security code
  • the mobile phone application can be used to capture information about the user's credit card to obtain reliable payment source information, thus streamlining the process of entering the user's financial information in the payment service system 108.
  • the user can enter financial account information on the mobile device and select a card that is bound to the mobile device, other website, or application.
  • Merchants can use any mobile device other than a home computer or storefront, or a mobile device or computer system in the store to register a merchant account.
  • the merchant must enter the name, account password and contact information, such as email address, store information, storefront address, etc., into the payment service system 108.
  • the merchant may also enter additional information into the payment service system 108, such as a list of services or merchandise that may be provided, hours of operation, mobile phone numbers, small trademarks or logos, and the like.
  • the data associated with the merchant account 114 is stored in the secure server 112, such as a database.
  • the payment service system 108 Prior to the transaction, the payment service system 108 generates a merchant QR code 102 containing merchant account information, including information that has been created and deposited directly into the merchant bank account 118.
  • the printed merchant QR code 102 must be placed throughout the merchant's store for display. You can also sign up and create a merchant account through the merchant app or web browser.
  • the merchant needs to enter the financial account information that can receive the payment to the payment service system. For example, if you make With a bank account, the user can enter a bank account number and a bank code. Nonetheless, a merchant's financial account can be associated with a credit card account or other third-party financial account, such as Dwolla and Paypal. Additionally, in some cases, if the merchant does not enter financial account information, the payment service system 108 can retain funds until the merchant provides bank account information.
  • the process of cardless payment system processing includes the user's mobile device 100, application server 110, and/or security server 112, associated with the merchant two-dimensional code 102.
  • the payment service system can set up and collect a communication record between the user equipment 100 and the merchant QR code 102.
  • the payment service system includes an application server 110 and/or a security server 112. Communication between servers can be encrypted using the security protocols of the user device, the server system, and the merchant account or merchant device. In some cases, the process can be performed by the user mobile device and the application installed on the merchant mobile device.
  • the user device scans the merchant QR code 102 (200 steps) in the merchant store.
  • the payment service system including the application server 110 and/or the security server 112 will pop up a message on the user device: "Please input the total amount payable to the merchant A" (step 204).
  • the amount of the consumer is verbally informed (step 202).
  • the user then enters the order amount on the mobile device 100 (step 206).
  • the payment service system will pop up the merchant verification code input indication on the user equipment, and the merchant can input the verification code to the user mobile device.
  • the merchant owner or employee After confirming the amount entered by the user, the merchant owner or employee inputs the user device 100 and then inputs the PIN code to the user device (step 210). If the merchant enters the PIN code into the user device 100 and successfully matches the merchant PIN code set between the previous cardless payment system 108 and the merchant, the payment service system can successfully process the transaction (step 214). After the cardless transaction between the user and the merchant is successfully processed, the payment service system displays the receipt on the user device, so that the merchant can detect that the order payment has been successful, and the completed cardless transaction generates an email receipt to the merchant and the user. . If the entered merchant PIN does not match the merchant PIN stored by the payment service system, the payment service system displays the information on the user's mobile device.
  • step 222 "Please enter the correct merchant verification code" (step 222). If the transaction fails due to excess credit card limit or insufficient balance in the financial account, the payment service system notifies the user on the user device and prompts the transaction to be unsuccessful. Merchants can also propose a different payment method for consumers.
  • the gift giver may pay for the recipient through this cardless payment system.
  • the gift giver can set a ceiling, such as a gift of up to $6.
  • the recipient will then receive the gift via email or SMS on his mobile device and will also launch the mobile client.
  • the recipient can redeem the gift by scanning the QR code of any merchant account with or without card payment service and enter the price of the order payable.
  • the server system will ask the merchant to enter the merchant PIN after confirming the order amount entered by the recipient. If the merchant PIN matches the two-dimensional code scanned by the user, the transaction is passed.
  • Gift givers, recipients, and merchants receive an electronic receipt from a text message, email, or mobile client.
  • the gift link sent by the gift giver to the recipient will jump to the web browser and request to upload the photo of the merchant's QR code.
  • the recipient After the QR code photo is uploaded to the cardless payment server, the recipient will be prompted to explain how much the gift can be redeemed in the merchant (step 206), as shown in Figure 2.
  • the server will remind the merchant to enter the merchant verification code (step 208), as shown in Figure 2.
  • the merchant owner or employee will enter the verification PIN code to the user device after verifying the payment amount, or sometimes verbally provide the PIN code according to the transaction amount (step 210).
  • the server system confirms the merchant's QR code with the merchant code, and the server processes the transaction and sends the receipt to the merchant, giver, and recipient device.
  • the recipient will be prompted to indicate that the gift can only be redeemed at a specific location, and the QR code of the merchant needs to be uploaded to Server system.
  • the information received by the recipient only reflects the amount that is payable to the merchant within the order.
  • the mobile application also reminds the merchant to enter the PIN code to compare with the QR code of the merchant uploaded to the server system. If the PIN codes match, the transaction is made, and the gift giver, the recipient, and the merchant receive a receipt. If the transaction is successful, the recipient's device will also display a reminder that the transaction has passed. The merchant owner or employee can use the reminder as a voucher to confirm that the transaction has been completed.
  • QR codes for merchant accounts on different tables in the store.
  • the QR code not only represents the merchant account, but also the table number information in the store.
  • the ordering system on the iPad has already defined the table number in the merchant's store, the ordering system has a high initial cost and maintenance costs are not low.
  • the following publicly available system allows merchants to order and pay for a specific table number without the need for high hardware investment.
  • Customers can log in to their user device 100 and scan the table number where the merchant QR code is already located. In this case, the user can order from the merchant's menu by simply adding the menu on the menu to the user device 100. Then, the merchant will receive an electronic order reminder via SMS, email or merchant portable mobile devices (such as pagers, phones, tablets), computers or self-service servers. The merchant will see the order, prepare the order and charge the user according to the order amount. And these require merchants to connect to wireless networks or move data.
  • the bound financial account will immediately deduct the corresponding amount.
  • the device prompts the confirmation message "Do you want to pay the $X amount of the order fee?"
  • the confirmation button is pressed, the confirmation transaction is passed, and the corresponding amount is directly charged to the user's credit card. If the order price exceeds the credit card limit, the transaction will be rejected. If the order price does not exceed the credit card limit, the transaction will be successful.
  • both the merchant and the user will receive the receipt via email, SMS or reminder on the mobile app.
  • the merchant's device will display that the order has been successfully paid and save the order information to the database, and the merchant can check the order and reconcile in the future.
  • the gift giver can pay the gift to the recipient and use the cardless payment system to send the gift.
  • the recipient can redeem the gift by scanning a specific merchant QR code and place an order in the merchant's store.
  • the order amount must be lower than the credit amount. For example, if the gift giver's limit to the recipient is a $6 redeemable gift, then the recipient may select an item with an order value below the limit, and the merchant will charge the order on the recipient's user device. If the order is less than $6, the transaction passes and the server receives the corresponding merchant bill amount from the giver's credit card. After the server completes this operation through the payment port, the authorization transaction is successful. The merchant will also prepare the order by table number and bring the order to the customer or the recipient, without the need to charge the recipient's account.
  • the merchant will charge the recipient's account for the remaining fee through the cardless payment service. For example, if the recipient's order amount is $7, then the gifter's $6 gift limit is available on the recipient's device, but the app will pop up a message stating that it still needs to pay $1 and remind the recipient if they want to use it. Pay the rest of your account. Once we have confirmed that we have paid the rest of our account, our server will charge the gifter's card. If the credit card is sufficient, the card will be charged $1 and the transaction will be completed. The gift giver will be notified that the gift he has presented has been successfully redeemed. The recipient will also receive a notification that the relevant amount has been paid with his card and the merchant will receive a payment reminder for the total amount.
  • the transaction is passed (eg $5.35) and the remaining funds are returned to the giver's cardless payment system user account.
  • Gift givers can use their account to accumulate amounts or points in any account with a cardless payment system account to pay for their future expenses.

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Abstract

一种使用二维码的无卡支付方法及***，方法包括如下步骤：用户设备（100）扫描商户二维码（102）；通过支付服务***（108）在用户设备（100）上提示："请输入应付金额"，所述支付服务***（108）包括应用服务器（110）和/或安全服务器（112）；在用户设备（100）上输入订单金额；通过支付服务***（108）在用户设备上（100）提示："请输入验证码"；在用户设备（100）输入验证码；输入的验证码与预设的验证码相匹配，支付服务***（108）成功处理交易；或者输入的验证码与预设的验证码不相匹配，则支付服务***（108）提示输入正确的验证码。使用二维码的无卡支付方法及***，可以让商家通过扫描二维码的形式实现无卡支付，无需在店内配置实体收银机。

Description

一种使用二维码的无卡支付方法及其*** 技术领域
本发明属于无卡支付交易领域，更确切地说，本发明是以消费者为主导，通过向商户收银器展示二维码进行无卡支付的***。
背景技术
在传统的销售点电子***交易中，授权后才能进行交易而且会保留交易信息。在授权阶段，使用一张有磁条的实体***刷过商户的磁条卡读卡器方可授权，这也是销售点设备的一部分。磁条卡读卡器中发送电子支付请求到***处理器中。***处理器将支付请求发送至银行卡网络中，例如维萨卡(VISA)或万事达卡(MASTER)网络中心，再将这些请求发送至开卡方，例如银行。假设开卡方批准该交易，就会发送批准交易信号至商户。部分此类交易还会涉及其他支付网络或供应商。如果遇到这种情况，就需要持卡人进行多次刷卡。
此外，多个已知的***已经开始应用无卡支付。越来越多消费者使用便携式电子设备，其中包括移动设备。能对交易进行授权并通过移动设备提供密码的支付***越来越多，而且便携式电子设备还能储存消费者支付信息。移动设备传输信息到商户收银机的方式包括扫描消费者二维码、商户收银机接收RFID信号或NFC信号，但并不止这些，还有诸多其他方式。
另一种常见的购物支付技术是网购，例如使用网页浏览器浏览商户的网站。若消费者本人已经身在商户店内则不宜使用网上购物的形式进行支付。
因此，为了能让商户在其店内收取客户的付款，需要一套传统的实体P.O.S.收银***，或一台配备手机APP并带有POS***功能的可移动电子设备。随着无卡支付功能需求的持续提高，商户的收银机变得愈发笨重，并且安装POS***设备的成本在不断上升。虽然逐渐实现了无卡支付，但实体收银机变得越来越复杂。
因此，人们迫切需要一种对无形或虚拟的收银机。这种收银机不会占用商户的实体空间，不需要实体POS***或可移动电子设备即可实现无卡交易。
发明内容
本发明是无需在店内放置实体收银机就能为商户实现无卡支付的一种方法、***。发明包括1)静态、可打印的商户账户二维码，商家可轻松复制该二维码。2)一个可以让顾客对商家进行支付的图形用户界面，顾客可以扫描静态二维码或电子码等。3)第二项内描述的***，可让消费者在实体商户店家中进行支付或通过网络商户端口进行远程支付。4)一套能让商户验证消费者手机上的支付行为是否正确的***，只需在消费者手机中输入一个密码即可进行确认，商户无需配置额外设备。5)商户在验证支付后，可移动电子设备接收确认信息，并发送到付款方进行授权。6)验证支付的***，商户可以通过消费者手机上的通知信息，检查消费者的支付行为是否完成。7)支付验证***可以将交易信息存储至第三方服务器中，商户可以通过注册商家用户并登录来获取这些交易信息。用邮箱注册该账户即可。
为了解决上述技术问题，本发明采用如下技术方案。
(1)一种使用二维码的无卡支付方法,其特征在于,包括如下步骤:
1)用户设备扫描商户二维码；
2)通过支付服务***在用户设备上提示：“请输入应付金额”，所述支付服务***包括手机应用服务器和/或安全服务器；
3)在用户设备100上输入订单金额；
4)通过支付服务***在用户设备上提示:“请输入验证码”；
5)在用户设备输入验证码；
6)输入的验证码与预设的验证码相匹配，支付服务***成功处理交易；或者输入的验证码与预设的验证码不相匹配，则支付服务***提示输入正确的验证码，重复4)、5)和6)步骤。
(2)根据(1)所述的使用二维码的无卡支付方法,还包括
7)交易成功后，支付服务***在用户设备上显示收据，并生成一封邮件将收据发给商户和用户。
(3)根据(1)或(2)所述的使用二维码的无卡支付方法,用户在支付服务***注册用户账号，商户在支付服务***注册商户账号；用户在支付服务***输入用户银行账号信息与用户账号相关联，商户在支付服务***输入商户银行账号信息与商户账号相关联。
(4)根据(1)-(3)任一项所述的使用二维码的无卡支付方法,所述支付服务***通过拍照自动识别并输入银行账号信息，或者支付服务***识别并经过人工选择移动设备、其他网站或应用上已绑定的银行卡。
(5)根据(1)-(4)任一项所述的使用二维码的无卡支付方法,所述验证码为指纹。
(6)根据(1)-(5)任一项所述的使用二维码的无卡支付方法,所述商户二维码与商户银行账户相关联。
(7)根据(1)-(6)任一项所述的使用二维码的无卡支付方法,所述商户二维码，在交易前由支付服务***生成。
(8)根据(1)-(7)任一项所述的使用二维码的无卡支付方法,所述商户二维码展示于商家门店。
(9)根据(1)-(8)任一项所述的使用二维码的无卡支付方法,所述商户二维码的数量至少为一个，支付服务***同时处理不同商户二维码对应的交易。
(10)根据(1)-(9)任一项所述的使用二维码的无卡支付方法,商户制作一个以上商户二维码放在不同桌子上，这样商户既可以知道订单的顺序、客户的座位，又无需设立多台设备就可以处理多项支付交易。
(11)根据(1)-(10)任一项所述的使用二维码的无卡支付方法,所述支付服务***分别与支付端口、付款处理器、商户银行账户连接。
(12)根据(1)-(11)任一项所述的使用二维码的无卡支付方法,所述支付端口存储******或借记卡卡码。
(13)根据(1)-(12)任一项所述的使用二维码的无卡支付方法,所述支付服务***通过互联网与用户设备连接。
(14)根据(1)-(13)任一项所述的使用二维码的无卡支付方法,手机应用服务器处理非安全信息，所述非安全信息包括商户地址和电话号码；所述安全服务器处理安全信息，安全信息包括信用***码、借记***码、银行账户、用户账户和/或用户身份信息。
(15)根据(1)-(14)任一项所述的使用二维码的无卡支付方法,所述用户设备为手持电脑设备或可以安装使用手机应用的便携式电子设备或智能手机或平板电脑。
(16)根据(1)-(15)任一项所述的使用二维码的无卡支付方法,赠礼者通过建立一个特定的限额账户发给收礼者，收礼者打开礼品链接启动手机应用，执行(1)中的所述的步骤。
(17)根据(1)-(16)任一项所述的使用二维码的无卡支付方法,赠礼者通过建立一个特定的限额账户发给收礼者，收礼者打开礼品链接跳转到网页浏览器，执行(1)中的所述的步骤。
(18)一种使用二维码的无卡支付***,包括支付服务***、用户设备、商户二维码、支付端口、付款处理器和商户银行账户；所述支付服务***分别与支付端口、付款处理器、商户银行账户连接；所述用户设备通过互联网与支付服务***连接。
(19)根据(18)所述的使用二维码的无卡支付***，所述支付服务***包括手机应用服务器和/或安全服务器。
(20)根据(18)或(19)所述的使用二维码的无卡支付***，用户在支付服务***注册用户账号，商户在支付服务***注册商户账号；用户在支付服务***输入用户银行账号信息与用户账号相关联，商户在支付服务***输入商户银行账号信息与商户账号相关联。
(21)根据(18)-(20)任一项所述的使用二维码的无卡支付***，所述用户设备为手持电脑设备或可以安装使用手机应用的便携式电子设备或智能手机或平板电脑。
(22)根据(18)-(21)任一项所述的使用二维码的无卡支付***，所述商户二维码与商户银行账户相关联。
(23)根据(18)-(22)任一项所述的使用二维码的无卡支付***，所述商户二维码，在交易前由支付服务***生成。
(24)根据(18)-(23)任一项所述的使用二维码的无卡支付***，所述商户二维码展示于商家门店。
(25)根据(18)-(24)任一项所述的使用二维码的无卡支付***，所述商户二维码的数量至少为一个，支付服务***同时处理不同商户二维码对应的交易。
(26)根据(18)-(25)任一项所述的使用二维码的无卡支付***，商户制作一个以上商户二维码放在不同桌子上，这样商户既可以知道订单的顺序、客户的座位，又无需设立多台设备就可以处理多项支付交易。
(27)根据(18)-(26)任一项所述的使用二维码的无卡支付***，所述支付端口存储******或借记卡卡码。
(28)根据(18)-(27)任一项所述的使用二维码的无卡支付***，所述手机应用服务器处理非安全信息，所述非安全信息包括商户地址和电话号码；所述安全服务器处理安全信息，安全信息包括信用***码、借记***码、银行账户、用户账户和/或用户身份信息。
(29)一种使用二维码的无卡支付方法,其特征在于,包括如下步骤:
1)用户设备扫描商户二维码，进入点菜页面；
2)将确定的点菜菜单发送到商户便携移动设备、电脑或自助服务机的信箱中；
3)通过支付服务***在用户设备上提示：“是否同意支付应付具体金额”，所述支付服务***包括手机应用服务器和/或安全服务器；
4)按下确认键，确认交易，直接扣除用户银行卡中相应的金额。
(30)根据(29)所述的使用二维码的无卡支付方法,还包括
5)交易成功后，支付服务***在用户设备上显示收据，并生成一封邮件将收据发给商户和用户。
(31)根据权(29)或(30)所述的使用二维码的无卡支付方法,用户在支付服务***注册用户账号，商户在支付服务***注册商户账号；用户在支付服务***输入用户银行账号信息与用户账号相关联，商户在支付服务***输入商户银行账号信息与商户账号相关联。
(32)根据权(29)-(31)任一项所述的使用二维码的无卡支付方法,所述支付服务***通过拍照自动识别并输入银行账号信息，或者支付服务***识别并经过人工选择移动设备、其他网站或应用上已绑定的银行卡。
(33)根据权(29)-(32)任一项所述的使用二维码的无卡支付方法,所述商户二维码与商户银行账户相关联。
(34)根据权(29)-(33)任一项所述的使用二维码的无卡支付方法,所述商户二维码，在交易前由支付服务***生成。
(35)根据权(29)-(34)任一项所述的使用二维码的无卡支付方法,所述支付服务***分别与支付端口、付款处理器、商户银行账户连接。
(36)根据权(29)-(35)任一项所述的使用二维码的无卡支付方法,所述支付端口存储******或借记卡卡码。
(37)根据权(29)-(36)任一项所述的使用二维码的无卡支付方法,所述支付服务***通过互联网与用户设备连接。
概括而言，本发明公开的***可以让商家通过扫描二维码的形式实现无卡支付，无需在店内配置实体收银机。有了本次公开的***和用户界面，实现了无卡支付，大大减低了商家配置相关收银设备的昂贵费用，也减少了设备占据的店面空间。有时候，消费者或实体店面的消费者可通过扫描含有商家账户的二维码支付订单即可实现无卡支付。除此之外，可以在商家店内多个地方放置打印出来的账户二维码，这样不同的消费者可同时进行支付。若使用传统的POS机***，当多位消费者需要付款或付款订单较多时收银机的数量就限制了支付的速度。在这种情况下，商家如果想服务更多客户，就必须购入更多的POS机或电脑设备，而这样会占据更多空间。但是，如果使用可打印的二维码，消费者就可以在任何一个有商户二维码的地方进行虚拟支付。商家也可以同时处理多项支付活动，增加的收银设备也只是几张打印出来的二维码。
若通过第三方创建了商家账户，商户可能需要提供关于其业务的信息，例如商户地址、邮箱、电话号码、银行账户等。第三方(例如手机应用开发商)可能会利用这些信息建立商家账户，在这种情况下，第三方会通过直接存款的方式向商户支付或通过像Dwolla这样的支付处理器进行支付。这种商家账户也会对第三方进行授权。
还有一种情况是消费者需要在能够发射RDID和NFC信号的设备附近启动无卡支付。除此之外还有一种是消费者获得商家账户标签或账户号码进行支付。虽然目前大部分商家都在使用实体收银机和POS***，例如使用iPad或手机设备来扫描消费者的代码以完成支付活动。但使用本发明公开的***后，无需配置这些设备商户都可以实现无卡支付，它可以让每位消费者的手机都成为商户的验证收银机。
有了这些功能后，消费者发起付款申请给商户后，商户或消费者都可以输入相应的订单应付款额。商家可通过传统的纸笔计算、计算机或传统的POS***得出订单总额。消费者或商家在消费者手机上输入相应的订单金额后，手机就会连接第三方服务器，商户则必须输入商户验证码以表示同意该金额并通过结算。
有了这些功能后，消费者可以使用手机上的用户界面支付订单金额以外的小费。不仅如此，消费者的手机还可以根据商户所在的地区自动计算税费。
商家输入商户确认码就意味着商家同意消费者发起的支付金额，当然该金额是双方都同意的。商户代码需要与第三方***的商户代码一致，输入的商户代码与第三方数据库内的代码匹配成功后就会对交易进行授权。若商户输入的代码与第三方***的代码不相符，则不会对交易进行授权，消费者的手机会接收提醒，然后要求商户重新输入正确的代码。有的情况 下，商户代码可能是某员工或店长的指纹，用这种方式也可授权交易。有时候店主可能会信任消费者，让消费者代为输入商户代码并使用确认页面来验证消费者的支付款项。商户可通过收到的邮件提醒来确认交易是否完成。
附图说明
图1为无卡支付***架构的简示图。
图2为无卡支付***的流程图样本。
图中，100为用户设备，102为商户二维码，104为互联网，106为支付端口，108为支付服务***，110为手机应用服务器，112为安全服务器，114为用户账户或商户账号，116为支付处理器，118为商户银行账户。
具体实施方式
实施例1
如图2所示，一种使用二维码的无卡支付方法,包括如下步骤:
1)用户设备扫描商户二维码；
2)通过支付服务***在用户设备上提示：“请输入应付金额”，所述支付服务***包括手机应用服务器和/或安全服务器；
3)在用户设备100上输入订单金额；
4)通过支付服务***在用户设备上提示:“请输入验证码”；
5)在用户设备输入验证码；
6)输入的验证码与预设的验证码相匹配，支付服务***成功处理交易；或者输入的验证码与预设的验证码不相匹配，则支付服务***提示输入正确的验证码，重复4)、5)和6)步骤。
7)交易成功后，支付服务***在用户设备上显示收据，并生成一封邮件将收据发给商户和用户。
用户在支付服务***注册用户账号，商户在支付服务***注册商户账号；用户在支付服务***输入用户银行账号信息与用户账号相关联，商户在支付服务***输入商户银行账号信息与商户账号相关联。所述支付服务***通过拍照自动识别并输入银行账号信息，或者支付服务***识别并经过人工选择移动设备、其他网站或应用上已绑定的银行卡。
所述验证码为指纹。
所述商户二维码与商户银行账户相关联。所述商户二维码，在交易前由支付服务***生成。所述商户二维码展示于商家门店。所述商户二维码的数量至少为一个，支付服务***同时处理不同商户二维码对应的交易。商户制作一个以上商户二维码放在不同桌子上，这样商户既可以知道订单的顺序、客户的座位，又无需设立多台设备就可以处理多项支付交易。
所述支付服务***分别与支付端口、付款处理器、商户银行账户连接。
所述支付端口存储******或借记卡卡码。
所述支付服务***通过互联网与用户设备连接。
手机应用服务器处理非安全信息，所述非安全信息包括商户地址和电话号码；所述安全 服务器处理安全信息，安全信息包括信用***码、借记***码、银行账户、用户账户和/或用户身份信息。
所述用户设备为手持电脑设备或可以安装使用手机应用的便携式电子设备或智能手机或平板电脑。
赠礼者通过建立一个特定的限额账户发给收礼者，收礼者打开礼品链接启动手机应用，执行(1)中的所述的步骤。赠礼者通过建立一个特定的限额账户发给收礼者，收礼者打开礼品链接跳转到网页浏览器，执行(1)中的所述的步骤。
实施例2
如图1所示，一种使用二维码的无卡支付***,包括支付服务***108、用户设备100、商户二维码102、支付端口106、付款处理器116和商户银行账户118。所述支付服务***108包括手机应用服务器110和/或安全服务器112。所述支付服务***108分别与支付端口106、付款处理器116、商户银行账户118连接；所述用户设备100通过互联网104与支付服务***108连接。
用户在支付服务***注册用户账号，商户在支付服务***注册商户账号；用户在支付服务***输入用户银行账号信息与用户账号相关联，商户在支付服务***输入商户银行账号信息与商户账号相关联。
所述用户设备为手持电脑设备或可以安装使用手机应用的便携式电子设备或智能手机或平板电脑。
所述商户二维码与商户银行账户相关联。所述商户二维码，在交易前由支付服务***生成。所述商户二维码展示于商家门店。所述商户二维码的数量至少为一个，支付服务***同时处理不同商户二维码对应的交易。商户制作一个以上商户二维码放在不同桌子上，这样商户既可以知道订单的顺序、客户的座位，又无需设立多台设备就可以处理多项支付交易。
所述支付端口存储******或借记卡卡码。
所述手机应用服务器处理非安全信息，所述非安全信息包括商户地址和电话号码；所述安全服务器处理安全信息，安全信息包括信用***码、借记***码、银行账户、用户账户和/或用户身份信息。
实施例3
一种使用二维码的无卡支付方法,包括如下步骤:
1)用户设备扫描商户二维码，进入点菜页面；
2)将确定的点菜菜单发送到商户便携移动设备、电脑或自助服务机的信箱中；
3)通过支付服务***在用户设备上提示：“是否同意支付应付具体金额”，所述支付服务***包括手机应用服务器和/或安全服务器；
4)按下确认键，确认交易，直接扣除用户银行卡中相应的金额。
5)交易成功后，支付服务***在用户设备上显示收据，并生成一封邮件将收据发给商户和用户。
用户在支付服务***注册用户账号，商户在支付服务***注册商户账号；用户在支付服务***输入用户银行账号信息与用户账号相关联，商户在支付服务***输入商户银行账号信 息与商户账号相关联。所述支付服务***通过拍照自动识别并输入银行账号信息，或者支付服务***识别并经过人工选择移动设备、其他网站或应用上已绑定的银行卡。
所述商户二维码与商户银行账户相关联。所述商户二维码，在交易前由支付服务***生成。
所述支付服务***分别与支付端口、付款处理器、商户银行账户连接。所述支付端口存储******或借记卡卡码。所述支付服务***通过互联网与用户设备连接。
总而言之，本申请书内公开的***使得用户能够在商家店内购买实体商品，即便商户店内没有实体的收银机，消费者也可以使用无卡支付进行交易。无卡支付交易中用户可以使用金融账户进行交易，无需提供实体支付卡给商户。商户销售点内的无形收银机不一定要以实体的形式设置在商户店内，但商户能够收到每个消费者在店内进行安全支付的提醒通知。
从用户的角度出发，用户先要注册一个无卡支付***的账户。注册过程需要提供特定信息，例如足以完成支付交易的金融账户，且如果提供的是***账户，那么需要提供***信息，比如信用***码和有效日期。但如果用户要兑换朋友赠送的礼品，就不需要输入特定的支付信息了。但是，如果最后用户有需要，会向用户推荐其他支付方式，例如借记卡、预付卡、银行账户或其他第三方金融账户。注册过程可能需要用户的联系信息，例如地址或邮箱及其他身份信息。
同样的，从商户角度出发，商户首先需要注册一个无卡支付的账户。注册过程也需要特定的商户信息，例如商户的地址、邮箱、商户类型、名称、手机号码和能够进行直接存款的金融账户，有时候也可能是作废的支票或者一个能通过发送邮件进行直接存款的第三方账户。建立商户账户以后，无卡支付***(我们或Dollop公司)可以创建一个商户的Dollop账户二维码，也会创建一个商户验证码或印记。
返回用户层面，在建立账户后，用户可以扫描商户店内的Dollop二维码。扫描后用户的手机会出现提示，显示需要支付的金额。他们可以输入相应的支付金额然后按确认。当用户验证其支付的金额后，手机应用会提示需要商户输入验证码来验证付款。商户需要检查用户是否输入了正确的应付金额，然后输入验证码确认支付。服务器会根据用户的金融信息来完成支付活动，无需出示实体支付卡，直接向用户的金融账户收取应付金额，且该金额是经过商户同意的。交易完成后，用户和商家都会收到收据，手机应用会在用户手机上显示支付确认。用户可以马上给商户展示款项已经支付。若没有显示的话，用户可以要求商户再次输入验证PIN码。因此，无需实体商户收银机也可以在商户店内实现无卡支付。
图1是无需实体商户收银机的无卡支付***的结构示意图。整个***包括用户设备100、互联网104，商户二维码102(无需连接互联网或POS***)。商户二维码102可轻松复制并可在商家店内多处展示，帮助用户进行交易，而且无需连接互联网或POS***处理无卡支付。用户的设备100是可移动的电脑设备，例如手持电脑设备或可以安装使用手机应用的便携式电子设备，还可以是智能手机或平板电脑。商户二维码102不是电脑设备，但需要与拥有无卡支付处理器的商户账户相连。这将淘汰实体设备甚至是无线网络，并能让所有使用智能手机的消费者在所有门店内实现无卡支付。
无卡支付处理器操作者运行无卡支付***。用户设备100和代表商户银行账户118的商户二维码102可以使用互联网104与支付服务***108沟通。支付服务***108包括手机应用服务器110和安全服务器112，能处理所有用户设备100和商户银行账户118之间的所有交易。商户银行账户118与商户二维码102相关联。一般而言，手机应用服务器110能处理非安全信息，例如他可以存储商户的公共信息，例如的商户地址或电话号码。手机应用服务器110还负责转移或更新用户手机设备的用户应用。具体地说，手机应用服务器112负责向用户推送关于有配备支付服务***108的商家信息。安全服务器112能处理安全信息，例如信用***码、借记***码、银行账户、用户账户、用户身份信息或其他敏感信息。但也会有另一种情况，安全服务器不会存储特定的******，但可能会通过第三方支付端口106来存储支付信息，这样用户信息碎片会以独立的验证代码的形式被保存在像Auth.net这样的支付端口106中，但不会留下原始的***信息。敏感信息不会存储在我们的无卡支付***108上，但会存储在支付端口106的服务商上。
支付服务***108可以与支付处理器116之间进行电子沟通，例如：Paypal,Dwolla等。这样可以直接将款项存入商户银行账户118，而商户银行账户118也与支付服务***108相关联。安全服务器112上会显示支付服务***108和商户银行账户118的对账信息，安全服务器112能保存商户账号114和用户账户114.
用户和商户使用无卡支付***进行交易之前，用户须在支付服务***108建立用户账号，商户也须在支付服务***108建立商户账号。
用户可以使用手机应用或网站注册用户账户，也可以使用移动设备或其他电脑设备，例如家中的电脑。交易前，下载用户应用到用户设备100上，例如在应用商店里下载该应用。也可以通过用户应用或其他应用，例如通用网页浏览器，创建用户账户。用户需要输入姓名、账户密码和联系方式，例如邮箱地址。在交易前，用户还需输入能够连接支付服务***108的金融账户信息。该金融账户信息可能会包括用户的***开卡行、******、有效日期，有可能还需要***的安全码(CVV)和通信地址。
或者，可以使用手机应用拍下用户***的信息以获取可靠的支付来源信息，这样就能够精简在支付服务***108中输入用户的金融信息的流程。或者，用户可以在移动设备上输入金融账户信息，选择移动设备、其他网站或应用上已绑定的卡。
商家可使用任何类似家庭电脑或店面以外的移动设备，或店内的移动设备或电脑***注册商户账户。商家须将名称、账户密码和联系信息，例如邮箱地址、实体店信息，店面地址等输入到支付服务***108中。商家还可以输入其他信息到支付服务***108，例如可提供的服务或商品清单、运营时间、手机号码、小型商标或标志等。与商户账户114相关联的数据会被储存到安全服务器112中，例如数据库。
交易之前，支付服务***108会生成商户二维码102，里面会含有商家账户信息，包括已建立好并直接存入商户银行账户118的信息。打印出来的商户二维码102必须放置在商家门店的各处进行展示。还可以通过商家应用或网页浏览器来进行注册，创建商家账户。最后，为了接收交易的款项，商家需输入能够接收款项的金融账户信息至支付服务***。例如，若使 用银行账户，用户可以输入银行账号和银行代码。尽管如此，商家的金融账户还可以与***账户或其他第三方金融账户相关联，例如Dwolla和Paypal。此外，在有些情况下，若商家没有输入金融账户信息，支付服务***108可以保留资金直至商家提供银行账户信息。
图2是无卡支付***的流程图样本。无卡支付***处理的过程包括用户的移动设备100、应用服务器110和/或安全服务器112，与商户二维码102进行关联。支付服务***，可以设置发出并收取用户设备100和商户二维码102之间的沟通记录。支付服务***包括应用服务器110和/或安全服务器112。服务器之间的交流可以利用用户设备、服务器***和商家账户或商家设备的安全协议进行加密。有的情况下，该过程可通过用户移动设备和商家移动设备上安装的应用进行。
一般情况下，用户设备扫描商户店内的商户二维码102(200步)。验证已建立账号的商家账户后，包括应用服务器110和/或安全服务器112在内的支付服务***会在用户设备上弹出信息：“请输入应付给商户A的总额”(204步)。商家得出消费者订单的应付金额后，口头告知消费者金额数量(202步)。随后用户在移动设备100上输入订单金额(206步)。支付服务***会在用户设备上弹出商家验证码输入指示，商家即可输入验证码到用户移动设备。商家店主或员工在确认用户输入的金额后，输入用户设备100，然后将PIN码输入到用户设备上(210步)。若商家将PIN码输入到用户设备100并成功与之前无卡支付***108和商户之间设定的商户PIN码匹配，支付服务***就能成功处理交易(214步)。当用户和商户之间的无卡交易成功处理后，支付服务***会在用户设备上显示收据，这样商户能检测订单付款已成功，已完成的无卡交易会生成一封邮件收据给商户和用户。若输入的商户PIN码与支付服务***存储的商户PIN码不相符，支付服务***会在用户移动设备上显示信息。例如“请输入正确的商户验证码”(222步)。若因超过***限额或金融账户中余额不足导致交易失败，支付服务***会在用户设备上通知用户并提示交易不成功。商家也可在此提议消费者换一种支付方式。
有的情况下，赠礼者可能会通过本无卡支付***为收礼者支付款项。此情况下，赠礼者可设置最高限额，例如最高6美元的礼物。那么收礼者会马上在他的移动设备上通过邮件或短信接收此礼物，同时也会启动手机客户端。收礼者可以通过扫描任何有无卡支付服务的商家账户的二维码兑换礼物，并输入应付的订单价格。服务器***会要求商家在确认收礼者输入的订单金额后输入商家PIN码。若商家PIN码与用户扫描的二维码相符，则通过交易。送礼者、收礼者以及商家都会收到来自短信、邮件或手机客户端的电子收据。
另一种情况，若收礼者的手机没有安装手机应用，赠礼者发送给收礼者的礼品链接会跳转到网页浏览器，并要求上传商户二维码的照片。二维码照片上传到无卡支付服务器后，收礼者会受到提示，向其说明一共能在商户中兑换多少金额的礼品(206步)，如图2所示。服务器会提醒商户输入商户验证码(208步)，如图2所示。商户店主或员工在验证支付金额之后会输入验证PIN码到用户设备上，或者有时候会根据交易金额口头提供PIN码(210步)。服务器***通过商家代码，确认与上传的商家二维码相符，服务器就会处理交易并将收据发送到商户、赠礼者和收礼者的设备上。另外一种情况是，若赠礼者赠送的礼品需要到特定的商家进行兑换，收礼者会受到提示说明该礼品仅可在特定地点进行兑换，需要上传该商户二维码至 服务器***。收礼者收到的信息只体现其订单内应付给商户的金额，手机应用也会提醒商户输入PIN码与上传到服务器***的商户二维码进行对比。若PIN码相匹配则进行交易，且赠礼者、收礼者和商家都会获得收据。若交易成功，收礼者的设备还会显示提醒，说明交易已通过。商家店主或员工可以用该提醒作为确认交易已完成的凭证。
另一方面，商户可以在店内的不同桌子上放置商家账户的二维码。二维码不仅仅代表了商家账户，还有店内的桌号信息。虽然iPad上的点餐***已经明确了商户店内的桌号，但订餐***在初期投入的费用很高，维护费也不低。以下公开***则可以让商户的客户根据特定的桌号进行点餐和支付，而且无需高额的硬件投入。客户可以登入他们的用户设备100，扫描商户二维码已经所在的桌号。此情况下，用户可以从商家的菜单上进行点餐，只需将菜单上的菜加入用户设备100即可。然后，商户会通过短信、邮箱或商户便携移动设备(例如传呼机、电话、平板)、电脑或自助服务机等，收到一份电子点餐提醒。商户会看到订单、准备订单菜并根据订单金额向用户收费。而这些都要求商家必须连接无线网络或移动数据。
就用户设备而言，用户一旦同意手机应用上显示的订单需要支付的金额，那么所绑定的金融账户就会立即扣除相应的金额。一方面，可能是设备上弹出提醒确认字样“是否支付$X金额的订单费用？”一旦按下确认键，就是确认交易通过，直接向用户的***收取相应的金额。若订单价格超过了***限额，交易会被拒绝，若订单价格没有超过***限额，交易会成功进行。交易成功后，商户和用户都会通过邮件、短信或手机应用上的提醒接收到收据。用户成功支付订单后，商家的设备上会显示订单已支付成功并保存订单信息到数据库，商家可以在未来查看订单并进行对账。
如果赠礼者送给收礼者一份待兑换的礼物，赠礼者可以为收礼者支付礼物费用，并使用无卡支付***送出该礼物。收礼者可以通过扫描特定的商户二维码方式兑换礼物，并在商户店内下单。该订单金额需低于赠送金额。例如，若赠礼者送给收礼者的限额是6美元可兑换礼物，那么收礼者可选择订单金额低于该限额的商品，商家会在收礼者的用户设备上对订单进行收费。若订单低于6美元，交易通过，服务器收取赠礼者的***相应的商家账单金额。服务器通过支付端口完成这一操作过程后，授权交易成功。商家也将按桌号准备订单，并将订单带给客户或收礼者，无需收取收礼者账户的费用。
或者，若收礼者的订单超过了赠礼者设置的6美元礼物限额，那么商户会通过无卡支付服务向收礼者账户收取余下费用。例如，如果收礼者的订单金额为7美元，那么收礼者的设备上，赠礼者6美元礼物限额可用，但应用上会弹出信息说明还需补1美元，并且提醒收礼者是否想用自己的账户支付余下款项。一旦确认用自己账户支付余下款项后，我们的服务器会向赠礼者的卡进行收费，如果***额度足够支付，则会向该卡收取1美元并完成交易。赠礼者会受到通知说明他赠送的礼物已经被成功兑换。收礼者也会接收通知，说明相关金额已用他的卡进行支付，商家会接收到总金额的支付提醒。
另一种情况，若收礼者的订单低于6美元限额，则交易通过(例如5.35美元)，限额余下的资金会返还到赠礼者的无卡支付***用户账号中。赠礼者可以在任何一家有无卡支付***账户的商家使用自己的账户累积金额或积分用以日后支付自己的费用。
以上实施例目的在于说明本发明，而非限制本发明的保护范围，所有在不违背本发明精神原则的条件下做出的简单变换均落入本发明的保护范围内。

Claims (30)

  1. 一种使用二维码的无卡支付方法,其特征在于,包括如下步骤:
    1)用户设备扫描商户二维码；
    2)通过支付服务***在用户设备上提示：“请输入应付金额”，所述支付服务***包括手机应用服务器和/或安全服务器；
    3)在用户设备100上输入订单金额；
    4)通过支付服务***在用户设备上提示:“请输入验证码”；
    5)在用户设备输入验证码；
    6)输入的验证码与预设的验证码相匹配，支付服务***成功处理交易；或者输入的验证码与预设的验证码不相匹配，则支付服务***提示输入正确的验证码，重复4)、5)和6)步骤。
  2. 根据权利要求1所述的使用二维码的无卡支付方法,其特征在于,还包括
    7)交易成功后，支付服务***在用户设备上显示收据，并生成一封邮件将收据发给商户和用户。
  3. 根据权利要求1所述的使用二维码的无卡支付方法,其特征在于,用户在支付服务***注册用户账号，商户在支付服务***注册商户账号；用户在支付服务***输入用户银行账号信息与用户账号相关联，商户在支付服务***输入商户银行账号信息与商户账号相关联。
  4. 根据权利要求3所述的使用二维码的无卡支付方法,其特征在于,所述支付服务***通过拍照自动识别并输入银行账号信息，或者支付服务***识别并经过人工选择移动设备、其他网站或应用上已绑定的银行卡。
  5. 根据权利要求1所述的使用二维码的无卡支付方法,其特征在于,所述验证码为指纹。
  6. 根据权利要求1所述的使用二维码的无卡支付方法,其特征在于,所述商户二维码与商户银行账户相关联。
  7. 根据权利要求1所述的使用二维码的无卡支付方法,其特征在于,所述商户二维码，在交易前由支付服务***生成。
  8. 根据权利要求1所述的使用二维码的无卡支付方法,其特征在于,所述商户二维码展示于商家门店。
  9. 根据权利要求1所述的使用二维码的无卡支付方法,其特征在于,所述商户二维码的数量至少为一个，支付服务***同时处理不同商户二维码对应的交易。
  10. 根据权利要求9所述的使用二维码的无卡支付方法,其特征在于,商户制作一个以上 商户二维码放在不同桌子上，这样商户既可以知道订单的顺序、客户的座位，又无需设立多台设备就可以处理多项支付交易。
  11. 根据权利要求1所述的使用二维码的无卡支付方法,其特征在于,所述支付服务***分别与支付端口、付款处理器、商户银行账户连接。
  12. 根据权利要求1所述的使用二维码的无卡支付方法,其特征在于,所述支付端口存储******或借记卡卡码。
  13. 根据权利要求1所述的使用二维码的无卡支付方法,其特征在于,所述支付服务***通过互联网与用户设备连接。
  14. 根据权利要求1所述的使用二维码的无卡支付方法,其特征在于,手机应用服务器处理非安全信息，所述非安全信息包括商户地址和电话号码；所述安全服务器处理安全信息，安全信息包括信用***码、借记***码、银行账户、用户账户和/或用户身份信息。
  15. 根据权利要求1所述的使用二维码的无卡支付方法,其特征在于,所述用户设备为手持电脑设备或可以安装使用手机应用的便携式电子设备或智能手机或平板电脑。
  16. 根据权利要求1所述的使用二维码的无卡支付方法,其特征在于,赠礼者通过建立一个特定的限额账户发给收礼者，收礼者打开礼品链接启动手机应用，执行权利要求1中的所述的步骤。
  17. 根据权利要求1所述的使用二维码的无卡支付方法,其特征在于,赠礼者通过建立一个特定的限额账户发给收礼者，收礼者打开礼品链接跳转到网页浏览器，执行权利要求1中的所述的步骤。
  18. 一种使用二维码的无卡支付***,其特征在于,包括支付服务***、用户设备、商户二维码、支付端口、付款处理器和商户银行账户；所述支付服务***分别与支付端口、付款处理器、商户银行账户连接；所述用户设备通过互联网与支付服务***连接。
  19. 根据权利要求18所述的使用二维码的无卡支付***，其特征在于,所述支付服务***包括手机应用服务器和/或安全服务器。
  20. 根据权利要求18所述的使用二维码的无卡支付***，其特征在于,用户在支付服务***注册用户账号，商户在支付服务***注册商户账号；用户在支付服务***输入用户银行账号信息与用户账号相关联，商户在支付服务***输入商户银行账号信息与商户账号相关联。
  21. 根据权利要求18所述的使用二维码的无卡支付***,其特征在于,所述用户设备为手持电脑设备或可以安装使用手机应用的便携式电子设备或智能手机或平板电脑。
  22. 一种使用二维码的无卡支付方法,其特征在于,包括如下步骤:
    1)用户设备扫描商户二维码，进入点菜页面；
    2)将确定的点菜菜单发送到商户便携移动设备、电脑或自助服务机的信箱中；
    3)通过支付服务***在用户设备上提示：“是否同意支付应付具体金额”，所述支付服务***包括手机应用服务器和/或安全服务器；
    4)按下确认键，确认交易，直接扣除用户银行卡中相应的金额。
  23. 根据权利要求22所述的使用二维码的无卡支付方法,其特征在于,还包括
    5)交易成功后，支付服务***在用户设备上显示收据，并生成一封邮件将收据发给商户和用户。
  24. 根据权利要求22所述的使用二维码的无卡支付方法,其特征在于,用户在支付服务***注册用户账号，商户在支付服务***注册商户账号；用户在支付服务***输入用户银行账号信息与用户账号相关联，商户在支付服务***输入商户银行账号信息与商户账号相关联。
  25. 根据权利要求24所述的使用二维码的无卡支付方法,其特征在于,所述支付服务***通过拍照自动识别并输入银行账号信息，或者支付服务***识别并经过人工选择移动设备、其他网站或应用上已绑定的银行卡。
  26. 根据权利要求22所述的使用二维码的无卡支付方法,其特征在于,所述商户二维码与商户银行账户相关联。
  27. 根据权利要求22所述的使用二维码的无卡支付方法,其特征在于,所述商户二维码，在交易前由支付服务***生成。
  28. 根据权利要求22所述的使用二维码的无卡支付方法,其特征在于,所述支付服务***分别与支付端口、付款处理器、商户银行账户连接。
  29. 根据权利要求22所述的使用二维码的无卡支付方法,其特征在于,所述支付端口存储******或借记卡卡码。
  30. 根据权利要求22所述的使用二维码的无卡支付方法,其特征在于,所述支付服务***通过互联网与用户设备连接。
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