WO2021147296A1 - Qr code payment method and system employing mobile phone business card - Google Patents

Qr code payment method and system employing mobile phone business card Download PDF

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Publication number
WO2021147296A1
WO2021147296A1 PCT/CN2020/107313 CN2020107313W WO2021147296A1 WO 2021147296 A1 WO2021147296 A1 WO 2021147296A1 CN 2020107313 W CN2020107313 W CN 2020107313W WO 2021147296 A1 WO2021147296 A1 WO 2021147296A1
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WO
WIPO (PCT)
Prior art keywords
mobile phone
code
payment
business card
token
Prior art date
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PCT/CN2020/107313
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French (fr)
Chinese (zh)
Inventor
王钰
蒋海俭
王瑞明
Original Assignee
***股份有限公司
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Publication of WO2021147296A1 publication Critical patent/WO2021147296A1/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

Definitions

  • the invention relates to 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 a mobile phone business card.
  • the general current mobile phone QR code scanning transaction technology includes three processes: client-side card activation, application for QR code, and acceptance of QR code.
  • the user When using it for the first time, the user installs a mobile client that supports QR code transactions and binds the card to open the QR code service.
  • the user's use process is as follows:
  • the merchant acquiring system sends the QR code to the payment system to complete the transaction.
  • the user needs to download the client terminal and register the user for the first time, which causes a certain time cost and operation cost for new users to attract customers. For older users, or user groups that are sensitive to downloading and registering, it will cause a certain experience impact or loss of users.
  • the bank card information needs to be entered. Usually, the user needs to take out the bank card. If the user does not carry the card, it will cause inconvenience in operation. Affect the success rate of activation.
  • the QR code binding card is a centralized card binding processing
  • the systems are connected in a central system, and each system operates independently. If a single system is abnormal, it may cause confusion in the tied card data and difficulty in tracing.
  • the mobile client needs to verify user information or payment information, determine the risk situation, display the QR code, and complete the transaction.
  • the security guarantee is provided by the client, which is responsible for user identification, data security storage and transmission, etc., which is more complicated to implement.
  • the present invention aims to provide a two-dimensional code payment method based on mobile phone business cards and a two-dimensional code payment system based on mobile phone business cards that can simplify user operations.
  • the mobile phone business card-based QR code payment method in one aspect of the present invention is implemented by a payment system and a mobile phone business card system, and is characterized in that it includes the following steps:
  • the payment system receives a binding request, where the binding request includes bank card information, mobile phone number, and device information;
  • the payment system In the mapping establishment step, the payment system generates an account feedback code corresponding to the bank card information (in addition to the bank card information here, it can also be other account information, the bank card information is taken as an example for description below) based on the binding request, and at the same time Establish the first mapping table of account feedback code, bank card information, mobile phone number and device information;
  • the payment system sends the account feedback code to the mobile phone business card system according to the device information
  • the mobile business card system requests bank card information from the payment system based on the account feedback code, and the mobile business card system obtains the bank card information and mobile phone number corresponding to the account feedback code from the payment system;
  • the mobile phone business card system matches the obtained mobile phone number with a pre-stored second mapping table indicating the correspondence between the mobile phone number and the user's business card, and realizes the binding of the bank card information and the user's business card.
  • the account feedback code corresponding to the account information includes not only the system code and Token used to replace the account information, but also any other information form that can replace the account information. Even the account feedback code of the account information can also be the account information itself. .
  • the binding step it further includes:
  • the mobile business card system initiates a two-dimensional code acquisition request to the payment system, where the two-dimensional code acquisition request includes bank card information bound to the user’s business card, and returns from the payment system corresponding to the bank card information QR code for payment.
  • the method further includes:
  • the mobile business card system pushes the obtained two-dimensional code to the user, and completes the payment acceptance based on the corresponding bank card information based on the two-dimensional code.
  • the payment system in the mapping establishment step, the payment system generates a Token corresponding to bank card information as the account feedback code based on the binding request, and generates a TokenRefID corresponding to the Token, and at the same time in the first Establish the correspondence between bank card information, Token, TokenRefID, mobile phone number and device information in the mapping table;
  • the payment system sends the TokenRefID to the mobile phone business card system according to the device information,
  • the mobile phone business card system requests a Token from the payment system based on the TokenRefID, and the mobile phone business card system obtains the Token and the mobile phone number corresponding to the TokenRefID from the payment system.
  • the binding step the process is performed based on the second mapping table. Matching is to realize the binding between the Token and the user's business card.
  • the binding step it further includes:
  • the mobile phone business card system initiates a two-dimensional code acquisition request to the payment system, where the two-dimensional code acquisition request contains the Token bound to the user’s business card, and the payment system returns the payment two-dimensional code corresponding to the Token from the payment system code.
  • the method further includes:
  • the mobile phone business card system pushes the obtained payment QR code to the user, and completes the payment acceptance based on the payment QR code.
  • the payment system sends the TokenRefID to the mobile phone business card system in a point-to-point manner.
  • the payment system sends the TokenRefID to the mobile phone business card system in a blockchain manner.
  • the account acquisition step includes the following sub-steps:
  • the mobile phone business card system uses asymmetric encryption to request Token from the payment system with TokenRefID;
  • the payment system obtains the corresponding Token and the mobile phone number according to the TokenRefID according to the first mapping table, encrypts them in an asymmetric manner, and returns to the mobile phone business card system;
  • the mobile phone business card system decrypts to obtain the Token and mobile phone number.
  • the mobile phone business card system matches the obtained mobile phone number with the second mapping table
  • the binding result is fed back to the payment system.
  • the step of acquiring the two-dimensional code includes the following sub-steps:
  • the mobile phone business card system verifies the consistency of the current device's SIM card number and mobile phone number
  • the payment system verifies the consistency of the Token and the mobile phone number based on the two-dimensional code acquisition request, and returns the payment two-dimensional code corresponding to the Token to the mobile business card system if the verification is passed.
  • an auxiliary verification for the mobile phone user to perform verification is further set before the payment acceptance is completed.
  • the QR code completes the payment acceptance based on the corresponding bank card information.
  • the payment system in the mapping establishment step, the payment system generates a system code corresponding to 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
  • the corresponding relationship among bank card information, system code, system code feedback code, mobile phone number, and device information is further established in the first mapping table;
  • the payment system sends the system encoding feedback code to the mobile phone business card system according to the device information
  • the mobile business card system requests a system code from the payment system based on the system encoding feedback code, and the mobile business card system obtains the system code and mobile phone number corresponding to the system encoding feedback code from the payment system,
  • binding step matching is performed based on the second mapping table and the binding of the system code and the user's business card is realized.
  • the binding step it further includes:
  • the mobile business card system initiates a two-dimensional code acquisition request to the payment system, where the two-dimensional code acquisition request includes the system code bound to the user’s business card, and the payment system returns the payment corresponding to the system code QR code.
  • the method further includes:
  • the mobile phone business card system pushes the obtained payment QR code to the user, and completes the payment acceptance based on the payment QR code.
  • the request receiving step is to receive a binding request, where the binding request includes bank card information, mobile phone number, and device information;
  • the mapping establishment step is to generate an account feedback code corresponding to the bank card information based on the binding request, and at the same time establish a first mapping table of the bank card information, the account feedback code, the mobile phone number, and the device information;
  • the account feedback code is sent to the outside according to the device information
  • the account providing step is to receive a request for bank card information based on the account feedback code from the outside, query the bank card information and mobile phone number corresponding to the account feedback code based on the request, and send it to the outside.
  • the method further includes:
  • the two-dimensional code providing step is to receive a two-dimensional code acquisition request from the outside, where the two-dimensional code acquisition request contains the bank card information and mobile phone number bound to the user's business card, and the user's business card is based on the mobile phone number and the bank card Information binding, according to the bank card information and mobile phone number to provide external payment QR code.
  • the method further includes:
  • the payment two-dimensional code is received from the outside, and the payment acceptance based on the corresponding bank card information is completed based on the payment two-dimensional code.
  • a Token corresponding to bank card information is generated as the account feedback code based on the binding request, and a TokenRefID corresponding to the Token is generated, and at the same time in the first mapping table Further establish the correspondence between bank card information, Token, TokenRefID, mobile phone number and device information,
  • the TokenRefID is sent to the outside according to the device information
  • a request for requesting a Token based on the TokenRefID is received from the outside, and the Token and mobile phone number corresponding to the TokenRefID are inquired based on the request and sent to the outside.
  • the method further includes:
  • the two-dimensional code providing step is to receive a two-dimensional code acquisition request from the outside, where the two-dimensional code acquisition request includes the Token and mobile phone number bound to the user's business card, wherein the user's business card is bound to the Token based on the mobile phone number, According to the Token and mobile phone number, a payment QR code is provided to the outside.
  • the method further includes:
  • the payment QR code is received from the outside, and the payment acceptance is completed based on the payment QR code.
  • the TokenRefID is sent to the outside in a point-to-point manner.
  • the TokenRefID is sent to the outside through the block chain.
  • an auxiliary verification for the mobile phone user to perform verification is further set before the payment acceptance is completed.
  • the QR code payment system based on mobile phone business cards of the present invention is characterized in that it includes: a payment system and a mobile phone business card system,
  • the payment system includes:
  • Token system for generating and managing Token
  • a blockchain node module used as a node of the blockchain to realize information interaction with the mobile phone business card system.
  • the mobile phone business card system is used to interact with the payment system and realize the binding of the user's business card based on the Token.
  • the payment core system is configured to receive a binding request, where the binding request includes bank card information, mobile phone number, and device information,
  • the Token system is used to generate corresponding Token and TokenRefID according to the binding request and establish a first mapping table of bank card information, Token, TokenRefID, mobile phone number, and device information,
  • the blockchain node module sends the TokenRefID to the mobile phone business card system corresponding to the mobile phone brand according to the device information,
  • the mobile phone business card system After the mobile phone business card system obtains the TokenRefID, it requests the payment system to obtain the Token based on the TokenRefID,
  • the Token system returns the corresponding Token and the bank’s 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 and the user's business card based on obtaining the Token and the mobile phone number reserved by the bank.
  • the mobile phone business card system is configured to request a payment QR code from the payment system based on the Token bound to the user's business card,
  • the Token system generates the Token and the corresponding payment QR code according to the request from the mobile phone business card system and returns it to the mobile phone business card system.
  • the mobile phone business card system is used to provide the payment QR code to the user's mobile phone
  • the Token system obtains bank card information corresponding to the Token according to the payment QR code, and the payment core system is used to complete the acceptance based on the bank card information.
  • the blockchain node module sends the TokenRefID to the mobile phone business card system in a blockchain manner.
  • Token system for generating and managing Token
  • a blockchain node module used as a node of the blockchain to realize information interaction with the outside.
  • the payment core system is configured to receive a binding request, where the binding request includes bank card information, mobile phone number, and device information,
  • the Token system is used to generate corresponding Token and TokenRefID according to the binding request and establish a first mapping table of bank card information, Token, TokenRefID, mobile phone number, and device information,
  • the blockchain node module sends the TokenRefID to the external mobile phone business card system corresponding to the mobile phone brand according to the device information,
  • the mobile phone business card system After the mobile phone business card system obtains the TokenRefID, it requests the payment system to obtain the Token based on the TokenRefID,
  • the Token system returns the TokenRefID and the corresponding Token and 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 to obtain the Token based on the TokenRefID, where the Token is associated with the user's business card Binding.
  • the payment core system generates the Token and the corresponding payment QR code according to a request from an external mobile phone business card system.
  • the QR code payment system based on mobile phone business cards of the present invention is characterized in that it includes: a payment system and a mobile phone business card system,
  • the payment system includes:
  • Payment core system used to realize payment functions
  • System coding system used to realize the generation and management of system coding
  • the block chain node module completes the information interaction with the mobile phone business card system based on the block chain technology.
  • the mobile phone business card system is used to interact with the payment system and bind the user business card based on the above system code.
  • the payment core system is configured to receive a binding request, where the binding request includes bank card information, mobile phone number, and device information,
  • the system encoding system is used to generate corresponding system encoding and system encoding feedback code according to the binding request and establish a first mapping table of bank card information, system encoding, system encoding feedback code, mobile phone number, and device information,
  • the blockchain node module sends the system encoding feedback code to the mobile phone business card system corresponding to the device information according to the device information,
  • the mobile phone business card system After the mobile phone business card system obtains the system code feedback code, it 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’s reserved cell phone number to the cell phone business card system according to the request from the cell phone business card system,
  • the mobile phone business card system binds the system code with the user's business card based on obtaining the system code and the bank's reserved mobile phone number.
  • the mobile phone business card system is configured to request a payment QR code from the payment system based on the system code bound to the user's business card,
  • the payment core system According to the request from the mobile phone business card system, the payment core system generates a system code and a corresponding payment QR code and returns to the mobile phone business card system.
  • the mobile phone business card system is used to provide the payment QR code to the user's mobile phone
  • the system coding system obtains bank card information corresponding to the system code according to the payment two-dimensional code, and the payment core system is used to complete the acceptance based on the bank card information.
  • the block chain node module sends the system encoding feedback code to the mobile phone business card system via the block chain.
  • Payment core system used to realize payment functions
  • System coding system used to realize the generation and management of system coding
  • the block chain node module is based on block chain technology to complete the information interaction with the external mobile phone business card system.
  • the payment core system is configured to receive a binding request, where the binding request includes bank card information, mobile phone number, and device information,
  • the system encoding system is used to generate corresponding system encoding and system encoding feedback code according to the binding request and establish a first mapping table of bank card information, system encoding, system encoding feedback code, mobile phone number, and device information,
  • the blockchain node module sends the system encoding feedback code to the external mobile phone business card system corresponding to the device information according to the device information,
  • the system coding system returns the corresponding system code and bank phone number reserved to the external mobile phone business card system according to the request from the external mobile phone business card system.
  • the blockchain node module sends the system encoding feedback code to the external mobile phone business card system through the blockchain.
  • the computer-readable medium of the present invention has a computer program stored thereon, and it is characterized in that the computer program, when executed by a processor, realizes the above-mentioned two-dimensional code payment method based on a mobile phone business card.
  • the computer device of the present invention includes a storage module, a processor, and a computer program that is stored on the storage module and can run on the processor, and is characterized in that the processor executes the computer program to implement the aforementioned mobile phone business card-based QR code payment method.
  • the QR code payment method based on the mobile phone business card and the QR code payment system based on the mobile phone business card are compared with the traditional QR code binding card activation. Under the premise of ensuring security, the card binding work does not require the user to download the client or the user Enter bank card information, greatly reducing user operation time.
  • the QR code payment method based on mobile phone business cards and the QR code payment system based on mobile business cards compared with the traditional QR code application and acceptance, do not need to download the mobile client, reduce the dependence on the mobile client, and can do without a client Payment, reduce the cost of QR code transaction implementation, and improve implementation efficiency.
  • the QR code payment method based on mobile phone business cards and the QR code payment system based on mobile business cards use blockchain technology to increase the security of card activation, establish mutual trust between the mobile phone business card system and the payment system, as well as traceability and impossibility. Denial, strengthen transaction security and risk prevention and control.
  • 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.
  • Figure 2 shows an example of the two-dimensional code display of a mobile phone business card.
  • FIG. 3 is a schematic diagram showing the QR code application phase and the acceptance phase in the mobile phone business card-based QR code payment method according to the first embodiment of the present invention.
  • FIG. 4 is a block diagram showing the structure 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 structure 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 the structure 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 the structure of a two-dimensional code payment system based on a mobile phone business card according to a fourth embodiment of the present invention.
  • the description is based on a mobile phone business card.
  • the mobile phone is only an embodiment of the invention to facilitate understanding, and the mobile phone can be replaced with any form 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.
  • Figure 2 shows an example of the two-dimensional code display of a mobile phone business card.
  • the two-dimensional code payment method based on mobile phone business cards of the first embodiment can be roughly divided into three stages: a card-binding stage, a two-dimensional code application stage, and a two-dimensional code acceptance stage. Next, each of these three stages will be explained.
  • the card binding activation stage includes steps S101 to S105 in FIG. 1.
  • Step S101 the banking system initiates an opening to the payment system.
  • the bank system initiates a mobile business card QR code activation request to the payment system, including bank card information (in addition to bank card information, it can also be other account information, the following uses bank card information as an example), mobile phone number, and equipment Information (for example, user's mobile phone brand), etc.
  • bank card information in addition to bank card information, it can also be other account information, the following uses bank card information as an example
  • mobile phone number for example, user's mobile phone brand
  • equipment Information for example, user's mobile phone brand
  • Step S102 The payment system tokenizes the bank card.
  • the payment system tokenizes the bank card, generates Token (can be called: token) and TokenRefID (can be called: Token feedback identification code or token feedback identification code), and returns the Token to the banking system.
  • Token can be called: token
  • TokenRefID can be called: Token feedback identification code or token feedback identification code
  • a first mapping table of the correspondence between bank card, Token, TokenRefID, mobile phone number, device information and other information is established.
  • Step S103 The payment system sends the TokenRefID to the mobile phone business card system through the blockchain.
  • the payment system and the mobile phone business card system use the blockchain technology of the alliance chain to exchange information to establish and strengthen mutual security and mutual trust.
  • the specific method is:
  • the payment system and each mobile phone business card system are the member nodes of the alliance chain, and the alliance members reach consensus through the multi-center mutual trust of the blockchain.
  • Each member node corresponds to a mobile phone business card system of a certain (or multiple) mobile phone brands, and has its own node address.
  • the payment system sends the TokenRefID to the node address of the mobile phone business card system corresponding to the device information (for example, mobile phone brand), and sends confirmation on the alliance chain. After all the nodes on the chain have confirmed, the sending is completed.
  • the TokenRefID belongs to a certain node (mobile phone business card system) to obtain a consensus, and each node has a record. It helps to trace back and clarify the mobile phone business card system to which the TokenRefID (corresponding to Token) has been activated in the future.
  • Step S104 The mobile phone business card system obtains the Token.
  • the mobile phone business card system uses asymmetric encryption to request a Token from the payment system with TokenRefID and its own public key, with signature data attached.
  • the payment system verifies the signature, uses the public key of the mobile phone business card system to encrypt the Token and the mobile phone number reserved by the bank, attaches its own public key, and returns the signature to the other party.
  • Step S105 Token is bound to the mobile phone business card system.
  • the mobile phone business card system matches users whose mobile phone number and mobile device SIM card number are the same as the mobile phone number reserved by the bank among the associated mobile phone users. Bind the Token with the user's 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 banking system.
  • the QR code application stage includes step S106 in the figure.
  • Step S106 When the user opens (address book) my business card using the mobile phone device, and uses the mobile phone business card system to initiate a two-dimensional code acquisition request, the mobile phone business card system verifies the consistency of the current device SIM card number with the reserved mobile phone number.
  • the Token bound to the business card requests a payment QR code from the payment system (wherein, if a user device has multiple SIM cards, any SIM card can meet the conditions).
  • Step S107 The payment system receives the Token and the reserved mobile phone number sent by the mobile phone business card system, and verifies the consistency between the Token and the reserved mobile phone number. If the verification is successful, the payment system generates the Token and the reserved mobile phone number. The corresponding payment QR code is returned to the mobile phone business card system.
  • the two-dimensional code acceptance stage includes step S108 in FIG. 1.
  • Step S108 The mobile phone business card system pushes the payment QR code to the user's mobile device (not shown), and displays it in My Business Card in the address book (for example, the payment QR code is displayed next to the avatar, see Figure 2),
  • the merchant scans the payment QR code and sends it to the payment system through the acquirer.
  • the payment system obtains the corresponding bank card information and completes the acceptance based on the corresponding relationship between the payment QR code, the Token and the reserved mobile phone number.
  • the two-dimensional code display of the mobile phone business card shown in Figure 2 is only an example, the two-dimensional code can also be located in the lower part of the figure or other positions, there is no restriction on the way of displaying the two-dimensional code, as long as it is in conjunction with the mobile phone business card The binding will fall into the protection scope of the present invention.
  • FIG. 3 is a schematic diagram showing the QR code application phase and the acceptance phase in the mobile phone business card-based QR code payment method according to the first embodiment of the present invention.
  • the mobile phone business card-based QR code payment method when a mobile phone user sends a payment request to the mobile phone business card system, the mobile phone business card system will make the payment request (including Token and reserved mobile phone number). ) Is sent to the payment system, and the payment system returns the payment QR code to the mobile phone business card system (the payment system generates a payment QR code corresponding to the Token and the reserved mobile phone number according to the Token and the reserved mobile phone number), and the mobile business card system will The payment QR code is returned to the mobile phone user, so that on the user’s mobile phone, for example, "Payment QR code" will be displayed in the column of my business card.
  • the merchant scans the payment QR code and sends a payment completion request to the payment system (where , The payment system obtains the payment QR code, obtains the corresponding bank card information according to the corresponding relationship between the payment QR code, the Token and the reserved mobile phone number, and completes the payment deduction based on the bank card information).
  • FIG. 4 is a block diagram showing the structure of a two-dimensional code payment system based on a mobile phone business card according to the first embodiment of the present invention.
  • the mobile phone business card-based QR code payment system includes: a payment system 100 and a mobile phone business card system 200.
  • the payment system 100 includes: a payment core system 110, a Token system 120, and a blockchain node module 130.
  • the payment core system 110 performs various functions related to payment
  • the Token system 120 performs various functions related to the generation and management of Token.
  • the blockchain node module 130 completes the information interaction with the mobile phone business card system 200 based on the blockchain technology.
  • the mobile phone business card system 200 includes a mobile phone business card system A, a mobile phone business card system B, ... a plurality of mobile phone business card systems of the mobile phone business card system M.
  • These mobile phone business card systems can be classified according to device information, for example, they can be classified according to mobile phone brands, and multiple devices can be set up according to various device information of the mobile phone operating main system type.
  • the payment core system 110 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 number, and device information. These binding requests can be submitted to the bank's core system through mobile banking, online banking, WeChat banking, bank counters, etc., and the bank's core system sends the request for opening the QR code function of the mobile phone business card to the payment system.
  • the Token system 120 is used to generate corresponding Token and TokenRefID according to the binding request and establish the mapping relationship between bank card information (for example, bank card number), Token, TokenRefID, reserved mobile phone number, and device information (for example, mobile phone brand), This mapping relationship is referred to as the first mapping table in the text.
  • bank card information for example, bank card number
  • TokenRefID reserved mobile phone number
  • device information for example, mobile phone brand
  • the blockchain node module 130 can be regarded as a part of the payment system 100 as a node of the blockchain, or can represent the entire payment system 100 as a node of the blockchain.
  • the TokenRefID is sent from the payment system 100 to the mobile phone business card system 200 through the blockchain node module 130.
  • the payment system 100 itself or the blockchain node module 130, and each mobile phone business card system 200 are the member nodes of the alliance chain, and the alliance members reach consensus through the multi-center mutual trust of the blockchain.
  • Each member node corresponds to a mobile phone business card system of a certain (or multiple) mobile phone brands and has its own node address.
  • the node address of the payment node module 130 is mobilesystemnode00, mobile business card system A, mobile business card
  • the node addresses of the system B and the mobile phone business card system M are mobilesystemnodeA, mobilesystemnodeB, and mobilesystemnodeM respectively.
  • the blockchain node 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 confirms the sending on the alliance chain. 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 200) to obtain a consensus, and each node has a record.
  • the TokenRefID belongs to a certain node (mobile phone business card system 200) to obtain a consensus, and each node has a record.
  • the mobile phone business card system 200 uses asymmetric encryption to request the payment system 100 to obtain the Token with the TokenRefID and its own public key, with signature data attached.
  • the Token system of the payment system 100 verifies the signature, uses the public key of the mobile phone business card system 200 to encrypt the Token and the bank’s reserved mobile phone number, attaches its own public key and signs, and returns it to the mobile phone business card system 200.
  • the mobile phone business card system 200 After the mobile phone business card system 200 performs signature verification and decryption, it obtains a Token and a mobile phone number reserved by the bank. The mobile phone business card system 200 matches users whose mobile phone number and mobile device SIM card number of the associated mobile phone user are the same as the mobile phone number reserved by the bank. The mobile phone business card system 200 binds the Token to the user's 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.
  • the mobile phone business card system 200 verifies the consistency between the current device SIM card number and the reserved mobile phone number, and is in school If the verification is passed, the Token bound to the business card is used to request a payment QR code from the payment system 100.
  • the Token system 110 of the payment system 100 receives the Token and the reserved mobile phone number sent by the mobile phone business card system, verifies the consistency of the Token and the reserved mobile phone number, and pays if the verification is successful.
  • the Token system 120 of the system 100 generates a payment QR code corresponding to the Token and the reserved mobile phone number and returns it to the mobile phone business card system 200.
  • the mobile phone business card system 200 pushes the payment QR code to one of the mobile phone user 1, mobile phone user 2, and mobile phone user N.
  • the merchant scans the payment QR code, and the payment QR code can be scanned by the merchant.
  • the merchant provides the payment QR code to the payment system 100 through the acquiring system.
  • the Token system 120 of the payment system 100 obtains the corresponding bank card information according to the corresponding relationship between the payment QR code and the Token and the reserved mobile phone number, which is completed by the payment core system 110 Acceptance.
  • the QR code payment method based on mobile phone business cards and the QR code payment system for mobile phone business cards according to the first embodiment of the present invention compared with the traditional QR code binding card activation, under the premise of ensuring safety,
  • the card binding work does not require users to download the client, and does not require users to input bank card information, which greatly reduces user operation time, lowers the threshold for binding the card, and increases the willingness to use.
  • the QR code payment method based on the mobile phone business card according to the first embodiment of the present invention does not need to download the mobile client, which reduces the dependence on the mobile client, and can pay without a client. , Which can reduce the implementation cost of QR code transactions and improve implementation efficiency.
  • the mobile phone business card-based QR code payment method and the mobile phone business card payment system of the QR code according to the first embodiment of the present invention by using blockchain technology, the security of card binding activation is increased, and a mobile phone business card system is established. Mutual trust with the payment system, as well as traceability and non-repudiation, strengthen transaction security and risk prevention and control.
  • the mobile phone business card, SIM mobile phone number, and bank reserved mobile phone number are compared and verified. In this way, there is no need for traditional client user identification, which avoids the systemic risks that may be caused by traditional mobile phone clients due to their own reasons.
  • the difference between the two-dimensional code payment method based on mobile phone business cards and the two-dimensional code payment system based on mobile business cards of the second embodiment and the first embodiment is that it does not use the technology of tokenizing bank card information, but uses system encoding. Replace Token, and replace TokenRefID with the system code feedback code.
  • Fig. 1 for the mobile phone business card-based QR code payment method of the second embodiment. Be explained.
  • the mobile phone business card-based QR code payment method of the second embodiment is also divided into three phases: the card binding phase, the QR code application phase, and the QR code acceptance phase.
  • the card binding activation stage includes steps S101 to S105 in FIG. 1.
  • Step S101 Initiate activation from the banking system to the payment system.
  • users choose to activate the mobile business card payment function when handling bank card business at bank outlets or through various channels such as mobile banking and online banking.
  • the banking system initiates a mobile phone business card QR code activation request to the payment system, including bank card activation, mobile phone number reservation, user mobile phone brand, etc.
  • Step S102 The payment system encodes the bank card.
  • the payment system encodes the bank card, generates a system code and a system code feedback code, and returns the system code to the banking system. At the same time, establish the first mapping table of bank card, system code, system code feedback code, reserved cell phone number, cell phone brand and other information.
  • Step S103 The payment system sends the system encoding feedback code to the mobile phone business card system through the blockchain.
  • Step S104 The mobile phone business card system obtains the system code.
  • the mobile phone business card system uses asymmetric encryption to request the payment system to obtain the system code with the system code feedback code and its own public key, with signature data attached.
  • the payment system verifies the signature, uses the public key of the mobile phone business card system to encrypt the system code and the bank’s reserved mobile phone number, attaches its own public key, and returns the signature to the other party.
  • Step S105 the system code is bound to the mobile phone business card system.
  • the mobile phone business card system matches users whose personal business card mobile phone number and mobile device SIM card number are the same as the mobile phone number reserved by the bank among the associated mobile phone users. Bind the system code with the user's 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 banking system.
  • Step S106 When the user uses the mobile phone device to open (address book) my business card and uses the mobile phone business card system to initiate a QR code acquisition request, the mobile phone business card system verifies the consistency between the current device SIM card number and the reserved mobile phone number, and uses the business card The bound system code requests a payment QR code from the payment system.
  • Step S107 The payment system receives the system code and reserved mobile phone number sent by the mobile phone business card system, verifies the consistency of the system code and the reserved mobile phone number, and in the case of successful verification, the payment system generates a code and pre-defined Leave the payment QR code corresponding to the mobile phone number and return to the mobile phone business card system.
  • Step S108 The mobile phone business card system pushes the payment QR code to the user's mobile device (not shown), and displays it in My Business Card in the address book.
  • the merchant scans the payment QR code and sends it to the payment system through the acquirer.
  • the payment system obtains the corresponding bank card information and completes the acceptance according to the corresponding relationship between the payment QR code, the system code and the reserved mobile phone number.
  • the mobile phone business card system when a mobile phone user sends a payment request to the mobile phone business card system, the mobile phone business card system sends the payment request (including the system code and reserved mobile phone number) to the payment system , The payment system returns the payment QR code to the mobile phone business card system (the payment system generates the payment QR code corresponding to the system code and reserved mobile phone number according to the system code and reserved mobile phone number), and the mobile phone business card system will pay the QR code The code is returned to the mobile phone user, so that on the user’s mobile phone, for example, the "payment QR code" will be displayed in the column of my business card.
  • the merchant scans the payment QR code and sends a payment completion request to the payment system (among which, the payment system Obtain the payment QR code, obtain the corresponding bank card information according to the corresponding relationship between the payment QR code, the system code and the reserved mobile phone number, and complete the payment deduction based on the bank card information).
  • FIG. 5 is a block diagram showing the structure of a two-dimensional code payment system based on a mobile phone business card according to a second embodiment of the present invention.
  • the mobile phone business card-based QR code payment system includes a payment system 300 and a mobile phone business card system 400.
  • the payment system 300 includes: a payment core system 310, a system coding system 320, and a blockchain node module 330.
  • the payment core system 310 performs various functions related to payment
  • the system coding system 320 performs various functions related to the 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 multiple mobile phone business card systems, such as a mobile phone business card system A, a mobile phone business card system B, and a mobile phone business card system M as shown in FIG. 5. These mobile phone business card systems can be classified according to device information, for example, they can be classified according to mobile phone brands, and multiple devices can be set up according to various device information of the mobile phone operating main system type.
  • the payment core system 310 is configured to receive a binding request from a banking system, where the binding request includes bank card information, reserved mobile phone number, device information, and other information. These binding requests can be submitted to the bank's core system through mobile banking, online banking, WeChat banking, bank counters, etc., and the bank's core system sends the request for opening the QR code function of the mobile phone business card to the payment system.
  • the system coding system 320 is used to generate the corresponding system code and system code feedback code according to the binding request and establish bank card information (such as bank card number), system code, system code feedback code, reserved mobile phone number and device information (such as Mobile phone brand) mapping relationship.
  • bank card information such as bank card number
  • system code such as system code
  • system code feedback code such as reserved mobile phone number and device information (such as Mobile phone brand) mapping relationship.
  • the blockchain node module 330 can be regarded as a part of the payment system 300 and as a node of the blockchain, or can represent the entire payment system 300 as a node of the blockchain.
  • the system encoding feedback code is sent from the payment system 300 to the mobile phone business card system 400 through the blockchain node module 330.
  • the payment system 300 itself or the blockchain node module 330, and each mobile phone business card system 400 are the member nodes of the alliance chain, and the alliance members reach consensus through the multi-center mutual trust of the blockchain.
  • Each member node corresponds to a mobile phone business card system of a certain (or multiple) mobile phone brands, and has its own node address.
  • the blockchain node module 330 sends 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 confirms the sending on the alliance chain. After all the nodes on the chain confirm, the sending is completed. At this time, the system coding feedback code belongs to a certain node (mobile phone business card system 400) to obtain a consensus, and each node has a record.
  • the mobile phone business card system 400 After the mobile phone business card system 400 obtains the system encoding feedback code, it uses asymmetric encryption to request the payment system 300 to obtain the system encoding with the system encoding feedback code and its own public key, with signature data attached.
  • the system coding system of the payment system 300 verifies the signature, uses the public key of the mobile phone business card system 400 to encrypt the system code and the bank’s reserved mobile phone number, attaches its own public key and signs and returns it to the mobile phone business card system 400.
  • the mobile phone business card system 400 After the mobile phone business card system 400 performs signature verification and decryption, it obtains the system code and the mobile phone number reserved by the bank. The mobile phone business card system 400 matches users whose mobile phone number and mobile device SIM card number of the associated mobile phone user are the same as the mobile phone number reserved by the bank. The mobile phone business card system 400 binds the system code to the user's 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.
  • the mobile phone business card system 400 verifies the consistency of the current device SIM card number with the reserved mobile phone number, and is in school If the verification is passed, the system code bound to the business card is used to request a payment QR code from the payment system 300.
  • 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, verifies the consistency of the system code and the reserved mobile phone number, and in the case of successful verification
  • the system coding system 320 of the payment system 300 generates a payment QR code corresponding to the system code and the reserved mobile phone number and returns it to the mobile phone business card system 400.
  • the mobile phone business card system 400 pushes the payment QR code to the mobile phone user, and displays it in the address book "My Business Card” on the mobile phone user’s device.
  • the merchant scans the payment QR code, and the payment QR code is displayed on the mobile phone user’s device.
  • the code can be scanned by the merchant.
  • the merchant provides the payment QR code to the payment system 300 through the acquiring system.
  • the system encoding system 320 of the payment system 300 obtains the corresponding bank card information according to the corresponding relationship between the payment QR code and the system code and the reserved mobile phone number.
  • the payment core system 310 completes the acceptance based on the bank card information.
  • the QR code payment method based on mobile phone business cards and the QR code payment system for mobile phone business cards according to the second embodiment of the present invention are compared with the traditional QR code binding card activation by converting bank card information into System coding can ensure security.
  • the card binding work does not require users to download the client, and does not require users to input bank card information, which greatly reduces user operation time, lowers the threshold for binding cards, and increases the willingness to use.
  • the QR code payment method based on mobile business cards according to the second embodiment of the present invention does not require downloading the mobile client, reducing the dependence on the mobile client, and making payments without a client , which can reduce the implementation cost of QR code transactions and improve implementation efficiency.
  • the two-dimensional code payment method based on mobile phone business cards and the two-dimensional code payment system for mobile business cards according to the second embodiment of the present invention by using blockchain technology, the security of binding card activation is increased, and a mobile business card system is established. Mutual trust with the payment system, as well as traceability and non-repudiation, strengthen transaction security and risk prevention and control.
  • the mobile phone business card, SIM mobile phone number, and bank reserved mobile phone number are compared and verified, etc.
  • there is no need for traditional client user identification which avoids the systemic risks that may be caused by traditional mobile phone clients due to their own reasons.
  • the difference between the mobile phone business card-based QR code payment method and the mobile phone business card-based QR code payment system of the third embodiment and the first embodiment is that the bank card information does not need to be tokenized, but the bank card information is directly used Proceed to the follow-up process.
  • Fig. 1 for the mobile phone business card-based QR code payment method of the third embodiment. Be explained.
  • the mobile phone business card-based QR code payment method of the third embodiment is also divided into three phases: the card binding phase, the QR code application phase, and the QR code acceptance phase.
  • the card binding activation stage includes steps S101 to S105 in FIG. 1.
  • Step S101 Initiate activation from the banking system to the payment system.
  • users choose to activate the mobile business card payment function when they transact bank card business at bank outlets or through various channels such as mobile banking and online banking.
  • the banking system initiates a mobile phone business card QR code activation request to the payment system, including opening bank card information, reserved mobile phone number, user's mobile phone brand, etc.
  • Step S102 The payment system generates the bank card feedback code corresponding to the bank card information according to the activation request, and saves the first mapping table of the correspondence between 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 the bank card feedback code to the mobile phone business card system through the blockchain.
  • Step S104 The mobile phone business card system obtains bank card information.
  • the mobile phone business card system uses asymmetric encryption to request bank card information from the payment system with the bank card feedback code and its own public key, with signature data attached.
  • the payment system verifies the signature, uses the public key of the mobile phone business card system to encrypt the bank card information and the bank’s reserved mobile phone number, attaches its own public key and signs, and returns it to the mobile phone business card system.
  • the mobile phone business card system After the mobile phone business card system performs signature verification and decryption, it obtains the bank card information and the mobile phone number reserved by the bank.
  • Step S105 the mobile phone business card system binds the bank card information.
  • the mobile phone business card system matches users whose personal business card mobile phone number and mobile device SIM card number are the same as the mobile phone number reserved by the bank among the associated mobile phone users. Bind the bank card information with the user's 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 banking system.
  • Step S106 When the user uses the mobile phone device to open (address book) my business card and uses the mobile phone business card system to initiate a QR code acquisition request, the mobile phone business card system verifies the consistency between the current device SIM card number and the reserved mobile phone number, and uses the business card The bound bank card information requests a payment QR code from the payment system.
  • 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 in the case of successful verification, the payment system generates the same as the bank card
  • the information and the payment QR code corresponding to the reserved mobile phone number are returned to the mobile phone business card system.
  • Step S108 The mobile phone business card system pushes the payment QR code to the user's mobile device (not shown), and displays it in My Business Card in the address book.
  • the merchant scans the payment QR code and sends it to the payment system through the acquirer.
  • the payment system obtains the corresponding bank card information and completes the acceptance according to the corresponding relationship between the payment QR code, the bank card information and the reserved mobile phone number.
  • the mobile phone business card system when a mobile phone user sends a payment request to the mobile phone business card system, the mobile phone business card system sends the payment request (including bank card information and reserved mobile phone number) to the payment System, the payment system returns the payment QR code to the mobile phone business card system (the payment system generates the payment QR code corresponding to the bank card information and the reserved mobile phone number according to the bank card information and the reserved mobile phone number), and the mobile phone business card system will The payment QR code is returned to the mobile phone user, so that on the user’s mobile phone, for example, "Payment QR code" will be displayed in the column of my business card.
  • the merchant scans the payment QR code and sends a payment completion request to the payment system (where , The payment system obtains the payment QR code, obtains the corresponding bank card information according to the corresponding relationship between the payment QR code, the bank card information and the reserved mobile phone number, and completes the payment deduction based on the bank card information).
  • FIG. 6 is a block diagram showing the structure of a two-dimensional code payment system based on a mobile phone business card according to a third embodiment of the present invention.
  • the mobile phone business card-based QR code payment system includes: a payment system 500 and a mobile phone business card system 600.
  • the payment system 500 includes: a payment core system 510 and a blockchain node module 520.
  • the payment core system 510 completes 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 multiple mobile phone business card systems, such as a mobile phone business card system A, a mobile phone business card system B, and a mobile phone business card system M as shown in FIG. 6. These mobile phone business card systems can be classified according to device information, for example, they can be classified according to mobile phone brands, and multiple devices can be set up according to various device information of the mobile phone operating main system type. Here, the mobile phone business card system 600 can be configured to correspond to various types of mobile phone devices of one brand or multiple brands.
  • the payment core system 510 is configured to receive a binding request from the banking system, where the binding request includes bank card information, reserved mobile phone number, device information, and other information.
  • the payment core system 510 is used to generate a bank card feedback code corresponding to the bank card information according to the binding request, and establish bank card information (such as bank card number), bank card feedback code, reserved mobile phone number, and device information (such as mobile phone number). Brand) mapping relationship.
  • bank card information such as bank card number
  • bank card feedback code such as bank card number
  • bank card feedback code such as bank card number
  • reserved mobile phone number such as mobile phone number
  • device information such as mobile phone number). Brand
  • the blockchain node module 520 can be regarded as a part of the payment system 500, or can be a node of a blockchain representing the entire payment system 500.
  • the bank card feedback code is sent from the payment system 500 to the mobile phone business card system 600 through the blockchain node module 520.
  • the payment system 500 itself or the block chain node module 520, and each mobile phone business card system 600 all serve as member nodes of the alliance chain, and the alliance members reach consensus through the multi-center mutual trust of the blockchain.
  • Each member node corresponds to a mobile phone business card system of a certain (or multiple) mobile phone brands, and has its own node address.
  • the blockchain node module 520 sends the bank card 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 confirms the sending on the alliance chain. After all the nodes on the chain confirm, the sending is completed. At this time, the bank card feedback code belongs to a certain node (mobile phone business card system 600) to obtain a consensus, and each node has a record.
  • the mobile phone business card system 600 After the mobile phone business card system 600 obtains the bank card feedback code, it uses asymmetric encryption to request the bank card information from the payment system 500 with the bank card feedback code and its own public key, with signature data attached.
  • the bank card information system of the payment system 500 verifies the signature, uses the public key of the mobile phone business card system 600 to encrypt the bank card information and the reserved mobile phone number, attaches its own public key and signs and returns it to the mobile phone business card system 600.
  • the mobile phone business card system 600 After the mobile phone business card system 600 performs signature verification and decryption, it obtains bank card information and reserves a mobile phone number. The mobile phone business card system 600 matches users whose mobile phone number and mobile device SIM card number of the associated mobile phone user are the same as the reserved mobile phone number. The mobile phone business card system 600 binds the bank card information with the user's business card. After the 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.
  • the mobile phone business card system 600 verifies the consistency of the current device SIM card number with the reserved mobile phone number, and is in school If the verification is passed, the bank card information bound to the business card is used to request a payment QR code from the payment system 500.
  • the payment system 500 receives the bank card information of the mobile business card system 600 and the reserved mobile phone number, and verifies the consistency of the bank card information with the reserved mobile phone number. If the verification is successful, the payment system 500 generates a payment QR code corresponding to the bank card information and reserved mobile phone number and returns to the mobile phone business card system 600.
  • the mobile phone business card system 600 pushes the payment QR code to the mobile phone user, and displays it in the address book "My Business Card” on the mobile phone user’s device.
  • the merchant scans the payment QR code and the payment QR code is displayed on the mobile phone user’s device.
  • the code can be scanned by the merchant.
  • the merchant provides the payment QR code to the payment system 500 through the acquiring system.
  • the payment system 500 obtains the corresponding bank card information according to the corresponding relationship between the payment QR code and the bank card information and the reserved mobile phone number.
  • the payment core system 510 bases the payment on the bank. Card information is accepted.
  • the card binding work does not require the user to download the client terminal and does not require the user to input bank card information. It greatly reduces user operation time, lowers the threshold for binding the card, and increases the willingness to use.
  • the QR code payment method based on the mobile phone business card according to the third embodiment of the present invention does not need to download the mobile client, which reduces the dependence on the mobile client, and can pay without a client. , Which can reduce the implementation cost of QR code transactions and improve implementation efficiency.
  • the mobile phone business card-based QR code payment method and the mobile phone business card payment system of the QR code according to the third embodiment of the present invention by using blockchain technology, the security of binding card activation is increased, and a mobile phone business card system is established. Mutual trust with the payment system, as well as traceability and non-repudiation, strengthen transaction security and risk prevention and control.
  • the mobile phone business card, SIM mobile phone number, and bank reserved mobile phone number are compared and verified. In this way, there is no need for traditional client user identification, which avoids the systemic risks that may be caused by traditional mobile phone clients due to their own reasons.
  • the difference between the mobile phone business card-based QR code payment method and the mobile phone business card-based QR code payment system of the fourth embodiment and the fourth embodiment is that the payment core system 710 does not exist separately in the fourth embodiment. Instead, the payment core system in the payment system has the Token management capability and can execute the actions of the payment core system 710 in the fourth embodiment.
  • the Token system is not separately provided in the fourth embodiment, the main flow is basically the same as the flow shown in FIG. 1, and the description is omitted here.
  • FIG. 7 is a block diagram showing the structure of a two-dimensional code payment system based on a mobile phone business card according to a fourth embodiment of the present invention.
  • the mobile phone business card-based QR code payment system includes: a payment system 700 and a mobile phone business card system 800.
  • the payment system 700 includes: a payment core system 710 and a blockchain node module 720.
  • the payment core system 710 completes various functions related to payment and completes various 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 mobile phone business card system A, a mobile phone business card system B, ... a plurality of mobile phone business card systems of the mobile phone business card system M. These mobile phone business card systems can be classified according to device information, for example, they can be classified according to mobile phone brands, and multiple devices can be set up according to various device information of the mobile phone operating main system type.
  • the payment core system 710 is configured to receive a binding request from a banking system, where the binding request includes bank card information, reserved mobile phone number, device information, and other information. These binding requests can be submitted to the bank's core system through mobile banking, online banking, WeChat banking, bank counters, etc., and the bank's core system sends the request for opening the QR code function of the mobile phone business card to the payment system.
  • the payment core system 710 is used to generate corresponding Token and TokenRefID according to the binding request and establish the mapping relationship of bank card information (such as bank card number), Token, TokenRefID, reserved mobile phone number, and device information (such as mobile phone brand). This mapping relationship is called the first mapping table.
  • the blockchain node module 720 can be regarded as a part of the payment system 700 as a node of the blockchain, or can represent the entire payment system 700 as a node of the blockchain.
  • the TokenRefID is sent from the payment system 700 to the mobile phone business card system 800 through the blockchain node module 720.
  • the blockchain node module 720 of the payment system 700 and each mobile phone business card system 800 serve as the member nodes of the alliance chain, and the alliance members reach a consensus through the multi-center mutual trust of the blockchain.
  • Each blockchain node 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 confirms the sending on the alliance chain. After all the nodes on the chain confirm, the sending is completed.
  • the TokenRefID belongs to a certain node (mobile phone business card system 800) to obtain a consensus, and each node has a record.
  • the mobile phone business card system 800 After the mobile phone business card system 800 obtains the TokenRefID, it uses asymmetric encryption to request the payment system 700 to obtain the Token with the TokenRefID and its own public key, with signature data attached.
  • the payment core system 710 verifies the signature, uses the public key of the mobile phone business card system 800 to encrypt the Token and the bank’s reserved mobile phone number, attaches its own public key and signs, and returns it to the mobile phone business card system 800.
  • the mobile phone business card system 800 After the mobile phone business card system 800 performs signature verification and decryption, it obtains a Token and a mobile phone number reserved by the bank.
  • the mobile phone business card system 800 matches users whose mobile phone number and mobile phone device SIM card number of the associated mobile phone user are the same as the mobile phone number reserved by the bank.
  • the mobile phone business card system 800 binds the Token to the user's business card. After the 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.
  • the mobile phone business card system 800 verifies the consistency of the current device SIM card number with the reserved mobile phone number, and is in school If the verification is passed, the Token bound to the business card is used to request the payment system 700 for the payment QR code.
  • the payment core system 710 receives the Token sent from the mobile phone business card system and the reserved mobile phone number, and verifies the consistency between the Token and the reserved mobile phone number. If the verification is successful, the payment core system 710 The payment QR code corresponding to the Token and the reserved mobile phone number is generated and returned to the mobile phone business card system 800.
  • the mobile phone business card system 800 pushes the payment QR code to one of the mobile phone user 1, mobile phone user 2, and mobile phone user N.
  • the merchant scans the payment QR code, and the payment QR code can be scanned by the merchant.
  • the merchant provides the payment QR code to the payment system 700 through the acquiring system.
  • the payment core system 710 obtains corresponding bank card information according to the corresponding relationship between the payment QR code, the Token and the reserved mobile phone number, and the payment core system 710 completes the acceptance.
  • the QR code payment method based on mobile phone business cards and the QR code payment system for mobile phone business cards according to the fourth embodiment of the present invention compared with the traditional QR code binding card activation, under the premise of ensuring safety,
  • the card binding work does not require users to download the client, and does not require users to input bank card information, which greatly reduces user operation time, lowers the threshold for binding the card, and increases the willingness to use.
  • the QR code payment method based on the mobile phone business card according to the fourth embodiment of the present invention does not need to download the mobile client, which reduces the dependence on the mobile client, and can pay without a client. , Which can reduce the implementation cost of QR code transactions and improve implementation efficiency.
  • the mobile phone business card-based QR code payment method and the mobile phone business card payment system of the QR code according to the fourth embodiment of the present invention by using blockchain technology, the security of card binding activation is increased, and a mobile phone business card system is established. Mutual trust with the payment system, as well as traceability and non-repudiation, strengthen transaction security and risk prevention and control.
  • the mobile phone business card, SIM mobile phone number, and bank-reserved mobile phone number are compared and verified, etc. In this way, there is no need for traditional client user identification, which avoids the systemic risks that may be caused by traditional mobile phone clients due to their own reasons.
  • the mobile phone business card-based QR code payment method and the mobile phone business card QR code payment system according to the fourth embodiment of the present invention for the payment system, there is no need to set up a Token system separately, as long as the payment core system itself It is enough to have the ability to produce and manage tokens.
  • Modification 1 In the first to fourth embodiments of the mobile phone business card-based QR code payment method and the mobile phone business card-based QR code payment system, blockchain technology is used between the payment system and the mobile phone business card system Realizing information interaction, as a variant, can also replace blockchain technology, but adopt a point-to-point transmission method. In this way, the security of the data can also be guaranteed.
  • the QR code can be set before the QR code is displayed during the QR code acceptance process
  • the mobile phone business card system performs additional auxiliary verification for users, such as fingerprint verification, face verification, and password verification.
  • auxiliary verification information such as name, ID number, address, etc., can also be added.
  • the binding relationship between other security elements such as mobile phone device information and the Token can be further increased, which can further improve the security of payment and provide more risk control protection.
  • the mobile phone business card system uses asymmetric encryption to request the payment system for the bank card information with the bank card feedback code and its own public key, with signature data attached. .
  • the payment system verifies the signature, uses the public key of the mobile phone business card system to encrypt the bank card information and the bank’s reserved mobile phone number, attaches its own public key and signs and returns it to the mobile phone business card system.
  • the payment system and the mobile phone business card system can also be set up in other pre-appointed forms.
  • the present invention also provides a computer-readable medium on which a computer program is stored, and when the computer program is executed by a processor, the above-mentioned two-dimensional code payment method based on a mobile phone business card is realized.
  • the present invention also provides a computer device, including a storage module, a processor, and a computer program stored on the storage module and capable of running on the processor.
  • a computer device including a storage module, a processor, and a computer program stored on the storage module and capable of running on the processor.
  • the processor executes the computer program, the above-mentioned two mobile phone business cards are implemented. Dimension code payment method.

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Abstract

A QR code payment method and system employing a mobile phone business card. The method is implemented by a payment system and a mobile phone business card system, and comprises a request receiving step, a mapping establishment step, a distribution step, an account acquisition step, and a binding step. Compared with conventional QR code-based card binding and activation techniques, card binding in the method is configured such that users do not need to download client-end software or input bankcard information, thereby greatly reducing the operation time of users, lowering a card binding threshold, and increasing appeal to users.

Description

基于手机名片的二维码支付方法及其***Two-dimensional code payment method and system based on mobile phone business card 技术领域Technical field
本发明涉及计算机技术，具体地涉及一种基于手机名片的二维码支付方法以及基于手机名片的二维码支付***。The invention relates to 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 a mobile phone business card.
背景技术Background technique
通常，手机实现账户二维码支付时，需要下载安装支持付款的手机客户端，在支付之前需要在客户端内绑卡开通二维码支付功能，使用时需要打开客户端。整个流程需要一定操作及时间，具体地，一般目前的手机二维码被扫交易技术包含：客户端绑卡开通、申请二维码及承兑二维码这三个流程。Generally, when a mobile phone implements account QR code payment, it is necessary to download and install a mobile client that supports payment. Before payment, a card needs to be bound to the client to enable the QR code payment function, and the client needs to be opened when using it. The entire process requires a certain amount of operation and time. Specifically, the general current mobile phone QR code scanning transaction technology includes three processes: client-side card activation, application for QR code, and acceptance of QR code.
1.客户端绑卡开通流程1. Client binding card activation process
首次使用时，用户通过安装支持二维码交易的手机客户端，绑卡开通二维码业务。用户使用流程如下：When using it for the first time, the user installs a mobile client that supports QR code transactions and binds the card to open the QR code service. The user's use process is as follows:
1)用户下载安装支持二维码交易的手机客户端；1) The user downloads and installs a mobile client that supports QR code transactions;
2)在客户端内，注册或输入帐户信息，登陆客户端；以及2) In the client, register or enter account information, log in to the client; and
3)输入银行卡信息，完成绑定，开通二维码支付业务。3) Enter the bank card information, complete the binding, and activate the QR code payment service.
2.申请二维码流程2. The process of applying for QR code
在开通之后，每次使用时，打开手机客户端，申请付款二维码。用户使用流程如下：After the activation, every time you use it, open the mobile client and apply for a payment QR code. The user's use process is as follows:
1)用户在手机上打开支持二维码的手机客户端；1) The user opens the mobile phone client that supports the QR code on the mobile phone;
2)点击被扫支付，验证用户信息或支付信息，展示二维码。2) Click to be scanned to pay, verify user information or payment information, and display the QR code.
3.承兑二维码流程3. Process of accepting QR code
1)用户将付款二维码给商户收银员；1) The user sends the payment QR code to the cashier of the merchant;
2)商户收单***将二维码上送支付***，完成交易。2) The merchant acquiring system sends the QR code to the payment system to complete the transaction.
在这样的现有技术存在中存在以下的缺点：There are the following shortcomings in the existence of such prior art:
(1)二维码开通依赖于手机客户端(1) QR code activation depends on the mobile client
用户首次需要下载客户端、注册用户，对于新用户获客引流造成一定时间成本、操作成本。对于年长用户，或对下载、注册敏感的用户群体，造成一定的体验影响，或用户流失。The user needs to download the client terminal and register the user for the first time, which causes a certain time cost and operation cost for new users to attract customers. For older users, or user groups that are sensitive to downloading and registering, it will cause a certain experience impact or loss of users.
(2)二维码绑卡时依赖银行卡(2) Rely on the bank card when the QR code is tied to the card
绑卡时，需要输入银行卡信息，通常用户需拿出银行卡，若用户未携带该卡片，会造成操作不便。影响开通成功率。When tying the card, the bank card information needs to be entered. Usually, the user needs to take out the bank card. If the user does not carry the card, it will cause inconvenience in operation. Affect the success rate of activation.
(3)二维码绑卡为中心化绑卡处理(3) The QR code binding card is a centralized card binding processing
各***间以中心***方式联接，各***独自运行，若有单一***发生异常，可能导致绑卡数据混乱及追溯困难。The systems are connected in a central system, and each system operates independently. If a single system is abnormal, it may cause confusion in the tied card data and difficulty in tracing.
(4)二维码申请、承兑依赖于手机客户端(4) QR code application and acceptance depend on the mobile client
手机客户端需要验证用户信息或支付信息，判断风险情况，展示二维码，完成交易。过程中，安全保障由客户端提供，承担用户识别、数据安全存储与传输等工作，实现较为复杂。The mobile client needs to verify user information or payment information, determine the risk situation, display the QR code, and complete the transaction. In the process, the security guarantee is provided by the client, which is responsible for user identification, data security storage and transmission, etc., which is more complicated to implement.
发明内容Summary of the invention
鉴于上述问题，本发明旨在提出一种能够简化用户操作的基于手机名片的二维码支付方法以及基于手机名片的二维码支付***。In view of the above problems, the present invention aims to provide a two-dimensional code payment method based on mobile phone business cards and a two-dimensional code payment system based on mobile phone business cards that can simplify user operations.
本发明的一方面的基于手机名片的二维码支付方法，由支付***以及手机名片***实现，其特征在于，包括下述步骤：The mobile phone business card-based QR code payment method in one aspect of the present invention is implemented by a payment system and a mobile phone business card system, and is characterized in that it includes the following steps:
请求接收步骤，支付***接收绑定请求，其中，所述绑定请求中包括银行卡信息、手机号码以及设备信息；In the request receiving step, the payment system receives a binding request, where the binding request includes bank card information, mobile phone number, and device information;
映射建立步骤，支付***基于所述绑定请求生成对应于银行卡信息(这里除了银行卡信息之外也可以其是他账户信息，以下以银行卡信息为例进行说明)的账号反馈代码，同时建立账号反馈代码、银行卡信息、手机号码以及设备信息的第一映射表；In the mapping establishment step, the payment system generates an account feedback code corresponding to the bank card information (in addition to the bank card information here, it can also be other account information, the bank card information is taken as an example for description below) based on the binding request, and at the same time Establish the first mapping table of account feedback code, bank card information, mobile phone number and device information;
分发步骤，支付***将账号反馈代码按照所述设备信息发送到手机名片***；In the distribution step, the payment system sends the account feedback code to the mobile phone business card system according to the device information;
账号获取步骤，手机名片***基于账号反馈代码向支付***请求银行卡信息，手机名片***从支付***获得与该账号反馈代码对应的银行卡信息和手机号码；以及In the account acquisition step, the mobile business card system requests bank card information from the payment system based on the account feedback code, and the mobile business card system obtains the bank card information and mobile phone number corresponding to the account feedback code from the payment system; and
绑定步骤，手机名片***基于获得的手机号码与预先存储的表示手机号码与用户名片的对应关系的第二映射表进行匹配并是实现银行卡信息与用户名片的绑定。In the binding step, the mobile phone business card system matches the obtained mobile phone number with a pre-stored second mapping table indicating the correspondence between the mobile phone number and the user's business card, and realizes the binding of the bank card information and the user's business card.
其中，对应于账户信息的账号反馈代码不仅包括用于代替账户信息的***编码和Token，也可以包括其他可以代替账户信息的任何信息形式，甚至，账户 信息的账号反馈代码也可以是账户信息本身。Among them, the account feedback code corresponding to the account information includes not only the system code and Token used to replace the account information, but also any other information form that can replace the account information. Even the account feedback code of the account information can also be the account information itself. .
可选地，在所述绑定步骤之后进一步包括：Optionally, after the binding step, it further includes:
二维码获取步骤，手机名片***向支付***发起二维码获取请求，其中，所述二维码获取请求中包含于用户名片绑定的银行卡信息，从支付***返回与该银行卡信息对应的付款二维码。In the two-dimensional code acquisition step, the mobile business card system initiates a two-dimensional code acquisition request to the payment system, where the two-dimensional code acquisition request includes bank card information bound to the user’s business card, and returns from the payment system corresponding to the bank card information QR code for payment.
可选地，在二维码获取步骤之后进一步包括：Optionally, after the step of obtaining the QR code, the method further includes:
二维码承兑步骤，手机名片***将获取的二维码推送给用户，基于二维码完成基于对应的银行卡信息的支付承兑。In the two-dimensional code acceptance step, the mobile business card system pushes the obtained two-dimensional code to the user, and completes the payment acceptance based on the corresponding bank card information based on the two-dimensional code.
可选地，在所述映射建立步骤中，支付***基于所述绑定请求生成对应于银行卡信息的Token作为所述账号反馈代码，并且生成对应于该Token的TokenRefID，同时在所述第一映射表中建立银行卡信息、Token、TokenRefID、手机号码以及设备信息之间的对应关系；Optionally, in the mapping establishment step, the payment system generates a Token corresponding to bank card information as the account feedback code based on the binding request, and generates a TokenRefID corresponding to the Token, and at the same time in the first Establish the correspondence between bank card information, Token, TokenRefID, mobile phone number and device information in the mapping table;
在所述分发步骤中，支付***将TokenRefID按照所述设备信息发送到手机名片***，In the distribution step, the payment system sends the TokenRefID to the mobile phone business card system according to the device information,
在所述账号获取步骤中，手机名片***基于TokenRefID向支付***请求Token，手机名片***从支付***获得与该TokenRefID对应的Token和手机号码，在所述绑定步骤中，基于第二映射表进行匹配并是实现Token与用户名片的绑定。In the account acquisition step, the mobile phone business card system requests a Token from the payment system based on the TokenRefID, and the mobile phone business card system obtains the Token and the mobile phone number corresponding to the TokenRefID from the payment system. In the binding step, the process is performed based on the second mapping table. Matching is to realize the binding between the Token and the user's business card.
可选地，在所述绑定步骤之后进一步包括：Optionally, after the binding step, it further includes:
二维码获取步骤，手机名片***向支付***发起二维码获取请求，其中，所述二维码获取请求中包含于用户名片绑定的Token，从支付***返回与该Token对应的付款二维码。In the two-dimensional code acquisition step, the mobile phone business card system initiates a two-dimensional code acquisition request to the payment system, where the two-dimensional code acquisition request contains the Token bound to the user’s business card, and the payment system returns the payment two-dimensional code corresponding to the Token from the payment system code.
可选地，在二维码获取步骤之后进一步包括：Optionally, after the step of obtaining the QR code, the method further includes:
二维码承兑步骤，手机名片***将获取的付款二维码推送给用户，基于付款二维码完成支付承兑。In the QR code acceptance step, the mobile phone business card system pushes the obtained payment QR code to the user, and completes the payment acceptance based on the payment QR code.
可选地，在所述分发步骤，支付***将TokenRefID通过点对点方式发送到手机名片***。Optionally, in the distribution step, the payment system sends the TokenRefID to the mobile phone business card system in a point-to-point manner.
可选地，在所述分发步骤，支付***将TokenRefID通过区块链方式发送到手机名片***。Optionally, in the distributing step, the payment system sends the TokenRefID to the mobile phone business card system in a blockchain manner.
可选地，在所述账号获取步骤包括下述子步骤：Optionally, the account acquisition step includes the following sub-steps:
手机名片***使用非对称加密方式以TokenRefID向支付***请求Token；The mobile phone business card system uses asymmetric encryption to request Token from the payment system with TokenRefID;
支付***根据TokenRefID根据所述第一映射表的得到对应Token和手机号码并以非对称方式加密后返回到手机名片***；以及The payment system obtains the corresponding Token and the mobile phone number according to the TokenRefID according to the first mapping table, encrypts them in an asymmetric manner, and returns to the mobile phone business card system;
手机名片***解密得到Token和手机号码。The mobile phone business card system decrypts to obtain the Token and mobile phone number.
可选地，在所述绑定步骤中包括下述子步骤：Optionally, the following sub-steps are included in the binding step:
手机名片***将获得的手机号码与第二映射表进行匹配；The mobile phone business card system matches the obtained mobile phone number with the second mapping table;
将与该手机号码匹配的与用户名片与获得的Token进行绑定；以及Bind the user's business card that matches the mobile phone number with the obtained Token; and
将绑定结果反馈到支付***。The binding result is fed back to the payment system.
可选地，在所述二维码获取步骤包括下述子步骤：Optionally, the step of acquiring the two-dimensional code includes the following sub-steps:
手机名片***校验当前设备SIM***与手机号码的一致性；The mobile phone business card system verifies the consistency of the current device's SIM card number and mobile phone number;
在通过校验的情况下以该用户名片绑定的Token和手机号码向支付***发起二维码获取请求；以及In the case of passing the verification, initiate a QR code acquisition request to the payment system with the Token and mobile phone number bound to the user's business card; and
支付***基于所述二维码获取请求，校验Token与手机号码的一致性，并且在通过校验的情况下将与该Token对应的付款二维码返回手机名片***。The payment system verifies the consistency of the Token and the mobile phone number based on the two-dimensional code acquisition request, and returns the payment two-dimensional code corresponding to the Token to the mobile business card system if the verification is passed.
可选地，在二维码承兑步骤中，在完成支付承兑之前进一步设置手机用户进行验证的辅助验证。Optionally, in the two-dimensional code acceptance step, an auxiliary verification for the mobile phone user to perform verification is further set before the payment acceptance is completed.
二维码完成基于对应的银行卡信息的支付承兑。The QR code completes the payment acceptance based on the corresponding bank card information.
可选地，在所述映射建立步骤中，支付***基于所述绑定请求生成对应于银行卡信息的***编码作为所述账号反馈代码，并且生成对应于该***编码的***编码反馈代码，同时在所述第一映射表中进一步建立银行卡信息、***编码、***编码反馈代码、手机号码以及设备信息之间的对应关系；Optionally, in the mapping establishment step, the payment system generates a system code corresponding to 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 The corresponding relationship among bank card information, system code, system code feedback code, mobile phone number, and device information is further established in the first mapping table;
在所述分发步骤中，支付***将***编码反馈代码按照所述设备信息发送到手机名片***，In the distribution step, the payment system sends the system encoding feedback code to the mobile phone business card system according to the device information,
在所述账号获取步骤中，手机名片***基于***编码反馈代码向支付***请求***编码，手机名片***从支付***获得与该***编码反馈代码对应的***编码和手机号码，In the account acquisition step, the mobile business card system requests a system code from the payment system based on the system encoding feedback code, and the mobile business card system obtains the system code and mobile phone number corresponding to the system encoding feedback code from the payment system,
在所述绑定步骤中，基于第二映射表进行匹配并是实现***编码与用户名片的绑定。In the binding step, matching is performed based on the second mapping table and the binding of the system code and the user's business card is realized.
可选地，在所述绑定步骤之后进一步包括：Optionally, after the binding step, it further includes:
二维码获取步骤，手机名片***向支付***发起二维码获取请求，其中，所述二维码获取请求中包含于用户名片绑定的***编码，从支付***返回与该***编码对应的付款二维码。In the two-dimensional code acquisition step, the mobile business card system initiates a two-dimensional code acquisition request to the payment system, where the two-dimensional code acquisition request includes the system code bound to the user’s business card, and the payment system returns the payment corresponding to the system code QR code.
可选地，在二维码获取步骤之后进一步包括：Optionally, after the step of obtaining the QR code, the method further includes:
二维码承兑步骤，手机名片***将获取的付款二维码推送给用户，基于付款二维码完成支付承兑。In the QR code acceptance step, the mobile phone business card system pushes the obtained payment QR code to the user, and completes the payment acceptance based on the payment QR code.
本发明的一方面的基于手机名片的二维码支付方法，其特征在于，包括下述步骤：The two-dimensional code payment method based on mobile phone business card in one aspect of the present invention is characterized in that it comprises the following steps:
请求接收步骤，接收绑定请求，其中，所述绑定请求中包括银行卡信息、手机号码、设备信息；The request receiving step is to receive a binding request, where the binding request includes bank card information, mobile phone number, and device information;
映射建立步骤，基于所述绑定请求生成对应于银行卡信息的账号反馈代码，同时建立银行卡信息、账号反馈代码、手机号码以及设备信息的第一映射表；The mapping establishment step is to generate an account feedback code corresponding to the bank card information based on the binding request, and at the same time establish a first mapping table of the bank card information, the account feedback code, the mobile phone number, and the device information;
分发步骤，将账号反馈代码按照所述设备信息发送到外部；In the distribution step, the account feedback code is sent to the outside according to the device information;
账号提供步骤，从外部接收基于账号反馈代码请求银行卡信息的请求，基于该请求查询与该账号反馈代码对应的银行卡信息和手机号码并发送到外部。The account providing step is to receive a request for bank card information based on the account feedback code from the outside, query the bank card information and mobile phone number corresponding to the account feedback code based on the request, and send it to the outside.
可选地，在所述账号提供步骤之后进一步包括：Optionally, after the account providing step, the method further includes:
二维码提供步骤，从外部接收二维码获取请求，其中，所述二维码获取请求中包含于用户名片绑定的银行卡信息和手机号码，其中，用户名片被基于手机号码与银行卡信息绑定，根据该银行卡信息和手机号码向外部提供付款二维码。The two-dimensional code providing step is to receive a two-dimensional code acquisition request from the outside, where the two-dimensional code acquisition request contains the bank card information and mobile phone number bound to the user's business card, and the user's business card is based on the mobile phone number and the bank card Information binding, according to the bank card information and mobile phone number to provide external payment QR code.
可选地，在二维码提供步骤之后进一步包括：Optionally, after the step of providing the QR code, the method further includes:
二维码承兑步骤，从外部接收付款二维码，并且基于该付款二维码完成基于对应的银行卡信息的支付承兑。In the two-dimensional code acceptance step, the payment two-dimensional code is received from the outside, and the payment acceptance based on the corresponding bank card information is completed based on the payment two-dimensional code.
可选地，在所述映射建立步骤中，基于所述绑定请求生成对应于银行卡信息的Token作为所述账号反馈代码，并且生成对应于该Token的TokenRefID，同时在所述第一映射表中进一步建立银行卡信息、Token、TokenRefID、手机号码以及设备信息之间的对应关系，Optionally, in the mapping establishment step, a Token corresponding to bank card information is generated as the account feedback code based on the binding request, and a TokenRefID corresponding to the Token is generated, and at the same time in the first mapping table Further establish the correspondence between bank card information, Token, TokenRefID, mobile phone number and device information,
在所述分发步骤中，将TokenRefID按照所述设备信息发送到外部，In the distribution step, the TokenRefID is sent to the outside according to the device information,
在所述账号提供步骤中，从外部接收基于TokenRefID请求Token的请求，基于该请求查询与该TokenRefID对应的Token和手机号码并发送到外部。In the account providing step, a request for requesting a Token based on the TokenRefID is received from the outside, and the Token and mobile phone number corresponding to the TokenRefID are inquired based on the request and sent to the outside.
可选地，在所述账号提供步骤之后进一步包括：Optionally, after the account providing step, the method further includes:
二维码提供步骤，从外部接收二维码获取请求，其中，所述二维码获取请求中包含于用户名片绑定的Token和手机号码，其中，用户名片被基于手机号码与Token绑定，根据该Token和手机号码向外部提供付款二维码。The two-dimensional code providing step is to receive a two-dimensional code acquisition request from the outside, where the two-dimensional code acquisition request includes the Token and mobile phone number bound to the user's business card, wherein the user's business card is bound to the Token based on the mobile phone number, According to the Token and mobile phone number, a payment QR code is provided to the outside.
可选地，在二维码提供步骤之后进一步包括：Optionally, after the step of providing the QR code, the method further includes:
二维码承兑步骤，从外部接收付款二维码，并且基于该付款二维码完成支付承兑。In the QR code acceptance step, the payment QR code is received from the outside, and the payment acceptance is completed based on the payment QR code.
可选地，在所述分发步骤，将TokenRefID通过点对点方式发送到外部。Optionally, in the distribution step, the TokenRefID is sent to the outside in a point-to-point manner.
可选地，在所述分发步骤，将TokenRefID通过区块链方式发送到外部。Optionally, in the distributing step, the TokenRefID is sent to the outside through the block chain.
可选地，在所述二维码承兑步骤中，在完成支付承兑之前进一步设置手机用户进行验证的辅助验证。Optionally, in the two-dimensional code acceptance step, an auxiliary verification for the mobile phone user to perform verification is further set before the payment acceptance is completed.
本发明的基于手机名片的二维码支付***，其特征在于，包括：支付***和手机名片***，The QR code payment system based on mobile phone business cards of the present invention is characterized in that it includes: a payment system and a mobile phone business card system,
其中，支付***包括：Among them, the payment system includes:
用于执行与支付功能的支付核心***；Payment core system for execution and payment functions;
用于产生和管理Token的Token***；Token system for generating and managing Token;
用于作为区块链的节点实现与所述手机名片***的信息交互的区块链节点模块，所述手机名片***用于与所述支付***进行交互并基于Token实现用户名片的绑定。A blockchain node module used as a node of the blockchain to realize information interaction with the mobile phone business card system. The mobile phone business card system is used to interact with the payment system and realize the binding of the user's business card based on the Token.
可选地，所述支付核心***用于接收绑定请求，其中所述绑定请求中包括银行卡信息、手机号码、设备信息，Optionally, the payment core system is configured to receive a binding request, where the binding request includes bank card information, mobile phone number, and device information,
所述Token***用于根据所述绑定请求生成对应的Token和TokenRefID并建立银行卡信息、Token、TokenRefID、手机号码以及设备信息的第一映射表，The Token system is used to generate corresponding Token and TokenRefID according to the binding request and establish a first mapping table of bank card information, Token, TokenRefID, mobile phone number, and device information,
所述区块链节点模块根据设备信息将TokenRefID发送到手机品牌对应的手机名片***，The blockchain node module sends the TokenRefID to the mobile phone business card system corresponding to the mobile phone brand according to the device information,
所述手机名片***获得TokenRefID之后，基于所述TokenRefID向所述支付***请求获得Token，After the mobile phone business card system obtains the TokenRefID, it requests the payment system to obtain the Token based on the TokenRefID,
所述Token***根据来自所述手机名片***的请求将对应的Token和银行预留手机号返回所述手机名片***，The Token system returns the corresponding Token and the bank’s reserved mobile phone number to the mobile phone business card system according to the request from the mobile phone business card system,
所述手机名片***基于获得Token和银行预留手机号将Token与用户名片进行绑 定。The mobile phone business card system binds the Token and the user's business card based on obtaining the Token and the mobile phone number reserved by the bank.
可选地，所述手机名片***用于基于与用户名片绑定的Token向所述支付***请求付款二维码，Optionally, the mobile phone business card system is configured to request a payment QR code from the payment system based on the Token bound to the user's business card,
所述Token***根据来自所述手机名片***的请求生成与该Token以及对应的付款二维码并返回到所述手机名片***。The Token system generates the Token and the corresponding payment QR code according to the request from the mobile phone business card system and returns it to the mobile phone business card system.
可选地，所述手机名片***用于将付款二维码提供给用户手机，Optionally, the mobile phone business card system is used to provide the payment QR code to the user's mobile phone,
所述Token***根据付款二维码得到与该Token对应的银行卡信息，所述支付核心***用于基于所述银行卡信息完成承兑。The Token system obtains bank card information corresponding to the Token according to the payment QR code, and the payment core system is used to complete the acceptance based on the bank card information.
可选地，所述区块链节点模块将TokenRefID通过区块链方式发送到手机名片***。Optionally, the blockchain node module sends the TokenRefID to the mobile phone business card system in a blockchain manner.
本发明的支付***，其特征在于，包括：The payment system of the present invention is characterized in that it includes:
用于执行与支付功能的支付核心***；Payment core system for execution and payment functions;
用于产生和管理Token的Token***；以及Token system for generating and managing Token; and
用于作为区块链的节点实现与外部的信息交互的区块链节点模块。A blockchain node module used as a node of the blockchain to realize information interaction with the outside.
可选地，所述支付核心***用于接收绑定请求，其中所述绑定请求中包括银行卡信息、手机号码、设备信息，Optionally, the payment core system is configured to receive a binding request, where the binding request includes bank card information, mobile phone number, and device information,
所述Token***用于根据所述绑定请求生成对应的Token和TokenRefID并建立银行卡信息、Token、TokenRefID、手机号码以及设备信息的第一映射表，The Token system is used to generate corresponding Token and TokenRefID according to the binding request and establish a first mapping table of bank card information, Token, TokenRefID, mobile phone number, and device information,
所述区块链节点模块根据设备信息将TokenRefID发送到外部的与手机品牌对应的手机名片***，The blockchain node module sends the TokenRefID to the external mobile phone business card system corresponding to the mobile phone brand according to the device information,
所述手机名片***获得TokenRefID之后，基于所述TokenRefID向所述支付***请求获得Token，After the mobile phone business card system obtains the TokenRefID, it requests the payment system to obtain the Token based on the TokenRefID,
所述Token***根据来自外部的手机名片***的基于所述TokenRefID而获得Token的请求将TokenRefID与对应的Token和银行预留手机号返回到外部的手机名片***，其中，所述Token被与用户名片进行绑定。The Token system returns the TokenRefID and the corresponding Token and 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 to obtain the Token based on the TokenRefID, where the Token is associated with the user's business card Binding.
可选地，所述支付核心***根据来自外部的手机名片***的请求生成与该Token以及对应的付款二维码。Optionally, the payment core system generates the Token and the corresponding payment QR code according to a request from an external mobile phone business card system.
本发明的基于手机名片的二维码支付***，其特征在于，包括：支付***和手机名片***，The QR code payment system based on mobile phone business cards of the present invention is characterized in that it includes: a payment system and a mobile phone business card system,
其中，所述支付***包括：Wherein, the payment system includes:
支付核心***，用于实现支付功能；Payment core system, used to realize payment functions;
***编码***，用于实现***编码的产生和管理；以及System coding system, used to realize the generation and management of system coding; and
区块链节点模块，基于区块链技术完成与所述手机名片***之间的信息交互，所述手机名片***用于与所述支付***进行交互并且基于上述***编码绑定用户名片。The block chain node module completes the information interaction with the mobile phone business card system based on the block chain technology. The mobile phone business card system is used to interact with the payment system and bind the user business card based on the above system code.
可选地，所述支付核心***用于接收绑定请求，其中所述绑定请求中包括银行卡信息、手机号码、设备信息，Optionally, the payment core system is configured to receive a binding request, where the binding request includes bank card information, mobile phone number, and device information,
所述***编码***用于根据所述绑定请求生成对应的***编码和***编码反馈代码并建立银行卡信息、***编码、***编码反馈代码、手机号码以及设备信息的第一映射表，The system encoding system is used to generate corresponding system encoding and system encoding feedback code according to the binding request and establish a first mapping table of bank card information, system encoding, system encoding feedback code, mobile phone number, and device information,
所述区块链节点模块根据设备信息将***编码反馈代码发送到所述设备信息对应的手机名片***，The blockchain node module sends the system encoding feedback code to the mobile phone business card system corresponding to the device information according to the device information,
所述手机名片***获得***编码反馈代码之后，基于所述***编码反馈代码向所述支付***请求获得***编码，After the mobile phone business card system obtains the system code feedback code, it requests the payment system to obtain the system code based on the system code feedback code,
所述***编码***根据来自所述手机名片***的请求将对应的***编码和银行预留手机号返回所述手机名片***，The system coding system returns the corresponding system code and the bank’s reserved cell phone number to the cell phone business card system according to the request from the cell phone business card system,
所述手机名片***基于获得***编码和银行预留手机号将***编码与用户名片进行绑定。The mobile phone business card system binds the system code with the user's business card based on obtaining the system code and the bank's reserved mobile phone number.
可选地，所述手机名片***用于基于与用户名片绑定的***编码向所述支付***请求付款二维码，Optionally, the mobile phone business card system is configured to request a payment QR code from the payment system based on the system code bound to the user's business card,
所述支付核心***根据来自所述手机名片***的请求生成与该***编码以及对应的付款二维码并返回到所述手机名片***。According to the request from the mobile phone business card system, the payment core system generates a system code and a corresponding payment QR code and returns to the mobile phone business card system.
可选地，所述手机名片***用于将付款二维码提供给用户手机，Optionally, the mobile phone business card system is used to provide the payment QR code to the user's mobile phone,
所述***编码***根据付款二维码得到与该***编码对应的银行卡信息，所述支付核心***用于基于所述银行卡信息完成承兑。The system coding system obtains bank card information corresponding to the system code according to the payment two-dimensional code, and the payment core system is used to complete the acceptance based on the bank card information.
可选地，所述区块链节点模块将***编码反馈代码通过区块链方式发送到手机名片***。Optionally, the block chain node module sends the system encoding feedback code to the mobile phone business card system via the block chain.
本发明的支付***，其特征在于，包括：The payment system of the present invention is characterized in that it includes:
支付核心***，用于实现支付功能；Payment core system, used to realize payment functions;
***编码***，用于实现***编码的产生和管理；以及System coding system, used to realize the generation and management of system coding; and
区块链节点模块，基于区块链技术完成与外部的手机名片***之间的信息交互。The block chain node module is based on block chain technology to complete the information interaction with the external mobile phone business card system.
可选地，所述支付核心***用于接收绑定请求，其中所述绑定请求中包括银行卡信息、手机号码、设备信息，Optionally, the payment core system is configured to receive a binding request, where the binding request includes bank card information, mobile phone number, and device information,
所述***编码***用于根据所述绑定请求生成对应的***编码和***编码反馈代码并建立银行卡信息、***编码、***编码反馈代码、手机号码以及设备信息的第一映射表，The system encoding system is used to generate corresponding system encoding and system encoding feedback code according to the binding request and establish a first mapping table of bank card information, system encoding, system encoding feedback code, mobile phone number, and device information,
所述区块链节点模块根据设备信息将***编码反馈代码发送到所述设备信息对应的外部的手机名片***，The blockchain node module sends the system encoding feedback code to the external mobile phone business card system corresponding to the device information according to the device information,
所述***编码***根据来自外部的手机名片***的请求将对应的***编码和银行预留手机号返回到外部的手机名片***。The system coding system returns the corresponding system code and bank phone number reserved to the external mobile phone business card system according to the request from the external mobile phone business card system.
可选地，所述区块链节点模块将***编码反馈代码通过区块链方式发送到外部的手机名片***。Optionally, the blockchain node module sends the system encoding feedback code to the external mobile phone business card system through the blockchain.
本发明的计算机可读介质，其上存储有计算机程序，其特征在于，该计算机程序被处理器执行时实现上述的基于手机名片的二维码支付方法。The computer-readable medium of the present invention has a computer program stored thereon, and it is characterized in that the computer program, when executed by a processor, realizes the above-mentioned two-dimensional code payment method based on a mobile phone business card.
本发明的计算机设备，包括存储模块、处理器以及存储在存储模块上并可在处理器上运行的计算机程序，其特征在于，所述处理器执行所述计算机程序时实现上述的基于手机名片的二维码支付方法。The computer device of the present invention includes a storage module, a processor, and a computer program that is stored on the storage module and can run on the processor, and is characterized in that the processor executes the computer program to implement the aforementioned mobile phone business card-based QR code payment method.
基于手机名片的二维码支付方法以及基于手机名片的二维码支付***，较于传统二维码绑卡开通，在保障安全的前提下，绑卡工作不需要用户下载客户端，不需要用户输入银行卡信息，大量减少用户操作时间。The QR code payment method based on the mobile phone business card and the QR code payment system based on the mobile phone business card are compared with the traditional QR code binding card activation. Under the premise of ensuring security, the card binding work does not require the user to download the client or the user Enter bank card information, greatly reducing user operation time.
基于手机名片的二维码支付方法以及基于手机名片的二维码支付***，相较于传统二维码申码、承兑，无需下载手机客户端，降低对手机客户端的依赖，没有客户端亦能支付，减少二维码交易实施成本，提升实施效率。The QR code payment method based on mobile phone business cards and the QR code payment system based on mobile business cards, compared with the traditional QR code application and acceptance, do not need to download the mobile client, reduce the dependence on the mobile client, and can do without a client Payment, reduce the cost of QR code transaction implementation, and improve implementation efficiency.
基于手机名片的二维码支付方法以及基于手机名片的二维码支付***，通过区块链技术，增加绑卡开通的安全性，建立手机名片***与支付***的互信，以及可追溯性与不可抵赖性，强化交易安全与风险防控。The QR code payment method based on mobile phone business cards and the QR code payment system based on mobile business cards use blockchain technology to increase the security of card activation, establish mutual trust between the mobile phone business card system and the payment system, as well as traceability and impossibility. Denial, strengthen transaction security and risk prevention and control.
基于手机名片的二维码支付方法以及基于手机名片的二维码支付***，通 过手机名片、SIM手机号、银行预留手机号的比对校验等方式，无需传统客户端用户识别，避免了传统手机客户端因自身原因可能造成的***性风险。The two-dimensional code payment method based on mobile phone business cards and the two-dimensional code payment system based on mobile business cards, through the comparison and verification of mobile phone business cards, SIM mobile phone numbers, and bank phone numbers reserved, do not require traditional client user identification and avoid Systematic risks that may be caused by traditional mobile phone clients due to their own reasons.
附图说明Description of the drawings
图1是表示本发明的第一实施方式的基于手机名片的二维码支付方法的流程图。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.
图2中表示了手机名片二维码展示的一个示例图。Figure 2 shows an example of the two-dimensional code display of a mobile phone business card.
图3是表示本发明的第一实施方式的基于手机名片的二维码支付方法中的二维码申码阶段和承兑阶段的示意图。3 is a schematic diagram showing the QR code application phase and the acceptance phase in the mobile phone business card-based QR code payment method according to the first embodiment of the present invention.
图4是表示本发明的第一实施方式的基于手机名片的二维码支付***的构造框图。4 is a block diagram showing the structure of a two-dimensional code payment system based on a mobile phone business card according to the first embodiment of the present invention.
图5是表示本发明的第二实施方式的基于手机名片的二维码支付***的构造框图。5 is a block diagram showing the structure of a two-dimensional code payment system based on a mobile phone business card according to a second embodiment of the present invention.
图6是表示本发明的第三实施方式的基于手机名片的二维码支付***的构造框图。6 is a block diagram showing the structure of a two-dimensional code payment system based on a mobile phone business card according to a third embodiment of the present invention.
图7是表示本发明的第四实施方式的基于手机名片的二维码支付***的构造框图。FIG. 7 is a block diagram showing the structure of a two-dimensional code payment system based on a mobile phone business card according to a fourth embodiment of the present invention.
具体实施方式Detailed ways
下面介绍的是本发明的多个实施例中的一些，旨在提供对本发明的基本了解。并不旨在确认本发明的关键或决定性的要素或限定所要保护的范围。Introduced below are some of the multiple embodiments of the present invention, intended to provide a basic understanding of the present invention. It is not intended to confirm the key or decisive elements of the present invention or limit the scope of protection.
出于简洁和说明性目的，本文主要参考其示范实施例来描述本发明的原理。但是，本领域技术人员将容易地认识到，相同的原理可等效地应用于所有类型的基于手机名片的二维码支付方法以及基于手机名片的二维码支付***，并且可以在其中实施这些相同的原理，以及任何此类变化不背离本专利申请的真实精神和范围。For brevity and illustrative purposes, this document mainly refers to its exemplary embodiments to describe the principles of the present invention. However, those skilled in the art will readily recognize that the same principle can be equally applied to all types of mobile phone business card-based QR code payment methods and mobile phone business card-based QR code payment systems, and these can be implemented in them. The same principle and any such changes do not depart from the true spirit and scope of this patent application.
而且，在下文描述中，参考了附图，这些附图图示特定的示范实施例。在不背离本发明的精神和范围的前提下可以对这些实施例进行电、机械、逻辑和结构上的更改。此外，虽然本发明的特征是结合若干实施/实施例的仅其中之一来公开的，但是如针对任何给定或可识别的功能可能是期望和/或有利的，可以将此特征与其他实施/实施例的一个或多个其他特征进行组合。因此，下文描述不应视为 在限制意义上的，并且本发明的范围由所附权利要求及其等效物来定义。Moreover, in the following description, reference is made to the accompanying drawings, which illustrate specific exemplary embodiments. Electrical, mechanical, logical, and structural changes can be made to these embodiments without departing from the spirit and scope of the present invention. In addition, although the feature of the present invention is disclosed in conjunction with only one of several implementations/embodiments, if it may be desired and/or advantageous for any given or identifiable function, this feature can be combined with other implementations. One or more other features of the embodiment are combined. Therefore, the following description should not be considered in a limiting sense, and the scope of the present invention is defined by the appended claims and their equivalents.
诸如“具备”和“包括”之类的用语表示除了具有在说明书和权利要求书中有直接和明确表述的单元(模块)和模块以外，本发明的技术方案也不排除具有未被直接或明确表述的其它单元(模块)和模块的情形。Terms such as "have" and "include" mean that in addition to units (modules) and modules that are directly and clearly stated in the specification and claims, the technical solution of the present invention does not exclude State the situation of other units (modules) and modules.
第一实施方式The first embodiment
首先，对于本发明的第一实施方式的基于手机名片的二维码支付方法以及基于手机名片的二维码支付***进行说明。First, the two-dimensional code payment method based on mobile phone business cards and the two-dimensional code payment system based on mobile phone business cards in the first embodiment of the present invention will be described.
在以下的说明中都是以基于手机名片进行说明的，手机仅是为了便于理解发明的一个实施方式，手机可以替换成任何形式的电子终端。In the following description, the description is based on a mobile phone business card. The mobile phone is only an embodiment of the invention to facilitate understanding, and the mobile phone can be replaced with any form of electronic terminal.
图1是表示本发明的第一实施方式的基于手机名片的二维码支付方法的流程图。图2中表示了手机名片二维码展示的一个示例图。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. Figure 2 shows an example of the two-dimensional code display of a mobile phone business card.
第一实施方式的基于手机名片的二维码支付方法可以大致分为三个阶段：绑卡开通阶段、二维码申码阶段以及二维码承兑阶段。接着，对于这三个阶段分别进行说明。The two-dimensional code payment method based on mobile phone business cards of the first embodiment can be roughly divided into three stages: a card-binding stage, a two-dimensional code application stage, and a two-dimensional code acceptance stage. Next, each of these three stages will be explained.
首先，说明绑卡开通阶段。First, explain the activation phase of the tied card.
绑卡开通阶段包括图1中的步骤S101～步骤S105。The card binding activation stage includes steps S101 to S105 in FIG. 1.
步骤S101：银行***向支付***发起开通。Step S101: the banking system initiates an opening to the payment system.
具体地，用户在银行网点或手机银行、网上银行等各类渠道办理银行卡业务时，选择开通手机名片付款功能。银行***向支付***发起手机名片二维码开通请求，包括开通银行卡信息(这里除了银行卡信息之外也可以其是他账户信息，以下以银行卡信息为例进行说明)、手机号码、设备信息(例如，用户手机品牌)等。一般可选方式是，请求报文对上述信息加密并签名，支付***对上述信息进行验签，并解密获得数据。Specifically, users choose to activate the mobile business card payment function when handling bank card business at bank outlets or through various channels such as mobile banking and online banking. The bank system initiates a mobile business card QR code activation request to the payment system, including bank card information (in addition to bank card information, it can also be other account information, the following uses bank card information as an example), mobile phone number, and equipment Information (for example, user's mobile phone brand), etc. Generally, an optional way is to request the message to encrypt and sign the above-mentioned information, and the payment system will verify the above-mentioned information and decrypt the data to obtain the data.
步骤S102：支付***对银行卡Token化。Step S102: The payment system tokenizes the bank card.
具体地，支付***对银行卡进行Token化，产生Token(可称为：令牌)与TokenRefID(可称为：Token反馈标识码或者令牌反馈标识码)，将Token返回给银行***。同时，建立银行卡、Token、TokenRefID、手机号码、设备信息等信息之间对应关系的第一映射表。Specifically, the payment system tokenizes the bank card, generates Token (can be called: token) and TokenRefID (can be called: Token feedback identification code or token feedback identification code), and returns the Token to the banking system. At the same time, a first mapping table of the correspondence between bank card, Token, TokenRefID, mobile phone number, device information and other information is established.
步骤S103：支付***通过区块链向手机名片***发送TokenRefID。Step S103: The payment system sends the TokenRefID to the mobile phone business card system through the blockchain.
具体地，支付***与手机名片***采用联盟链的区块链技术进行信息交互，建立并强化彼此间安全与互信。具体方式为：Specifically, the payment system and the mobile phone business card system use the blockchain technology of the alliance chain to exchange information to establish and strengthen mutual security and mutual trust. The specific method is:
(1)支付***、及各个手机名片***均作为联盟链的成员节点，联盟成员之间通过区块链的多中心的互信来达成共识。每个成员节点对应某个(或多个)手机品牌的手机名片***，并拥有各自的节点地址。(1) The payment system and each mobile phone business card system are the member nodes of the alliance chain, and the alliance members reach consensus through the multi-center mutual trust of the blockchain. Each member node corresponds to a mobile phone business card system of a certain (or multiple) mobile phone brands, and has its own node address.
(2)支付***根据节点地址，将TokenRefID发送到设备信息(例如手机品牌)所对应的手机名片***统的节点地址，并在联盟链上进行发送确认。所有链上节点予以确认后，完成发送。此时，TokenRefID归属于某个节点(手机名片***)得到共识，各节点均有记录。有助于日后追溯、明确该TokenRefID(对应Token)开通的、所属的手机名片***。(2) According to the node address, the payment system sends the TokenRefID to the node address of the mobile phone business card system corresponding to the device information (for example, mobile phone brand), and sends confirmation on the alliance chain. After all the nodes on the chain have confirmed, the sending is completed. At this time, the TokenRefID belongs to a certain node (mobile phone business card system) to obtain a consensus, and each node has a record. It helps to trace back and clarify the mobile phone business card system to which the TokenRefID (corresponding to Token) has been activated in the future.
步骤S104：手机名片***获取Token。Step S104: The mobile phone business card system obtains the Token.
手机名片***使用非对称加密的方式，以TokenRefID、自身公钥向支付***请求获得Token，并附带签名数据。支付***验证签名，使用手机名片***的公钥对Token、银行预留手机号码进行加密，附上自身公钥、及签名后返回给对方。手机名片***进行验签解密后，获得Token和银行预留手机号码。The mobile phone business card system uses asymmetric encryption to request a Token from the payment system with TokenRefID and its own public key, with signature data attached. The payment system verifies the signature, uses the public key of the mobile phone business card system to encrypt the Token and the mobile phone number reserved by the bank, attaches its own public key, and returns the signature to the other party. After the mobile phone business card system performs signature verification and decryption, it obtains the Token and the mobile phone number reserved by the bank.
步骤S105：手机名片***绑定Token。Step S105: Token is bound to the mobile phone business card system.
具体地，手机名片***匹配关联手机用户中本人名片的手机号码、手机设备SIM***均与该银行预留手机号码相同的用户。将Token与该用户名片进行绑定。绑定完成后，手机名片***将绑定结果返回支付***，支付***返回银行***。Specifically, the mobile phone business card system matches users whose mobile phone number and mobile device SIM card number are the same as the mobile phone number reserved by the bank among the associated mobile phone users. Bind the Token with the user's 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 banking system.
接着，说明二维码申码阶段。Next, explain the QR code application phase.
二维码申码阶段包括图中的步骤S106。The QR code application stage includes step S106 in the figure.
步骤S106：当用户使用手机设备打开(通讯录)我的名片，使用手机名片***发起二维码获取请求时，手机名片***校验当前设备SIM***与预留的手机号码的一致性，以该名片绑定的Token向支付***请求付款二维码(其中，若一台用户设备具有多个SIM卡，则任一SIM卡满足条件即可)。Step S106: When the user opens (address book) my business card using the mobile phone device, and uses the mobile phone business card system to initiate a two-dimensional code acquisition request, the mobile phone business card system verifies the consistency of the current device SIM card number with the reserved mobile phone number. The Token bound to the business card requests a payment QR code from the payment system (wherein, if a user device has multiple SIM cards, any SIM card can meet the conditions).
步骤S107：支付***接收手机名片***发送来的Token以及预留手机号码，校验Token与预留手机号码的一致性，在校验成功的情况下，支付***生成 与该Token以及预留手机号码相对应的付款二维码并返回到手机名片***。Step S107: The payment system receives the Token and the reserved mobile phone number sent by the mobile phone business card system, and verifies the consistency between the Token and the reserved mobile phone number. If the verification is successful, the payment system generates the Token and the reserved mobile phone number. The corresponding payment QR code is returned to the mobile phone business card system.
最后，说明二维码承兑阶段。Finally, explain the acceptance stage of the QR code.
二维码承兑阶段包括图1中的步骤S108。The two-dimensional code acceptance stage includes step S108 in FIG. 1.
步骤S108：手机名片***将该付款二维码推送给用户手机设备(未图示)，在通讯录我的名片中予以展示(如将付款二维码展示在头像旁边，可参见图2)，商户扫描付款二维码，通过收单机构上送到支付***，支付***根据付款二维码与Token以及预留手机号码的对应关系获得对应的银行卡信息并完成承兑。Step S108: The mobile phone business card system pushes the payment QR code to the user's mobile device (not shown), and displays it in My Business Card in the address book (for example, the payment QR code is displayed next to the avatar, see Figure 2), The merchant scans the payment QR code and sends it to the payment system through the acquirer. The payment system obtains the corresponding bank card information and completes the acceptance based on the corresponding relationship between the payment QR code, the Token and the reserved mobile phone number.
另外，图2所展示的手机名片二维码展示仅是一个示例，二维码也可以位于图中的下部或者其他位置，这里对二维码显示的方式不做任何限定，只要它与手机名片绑定，就会落入本发明的保护范围。In addition, the two-dimensional code display of the mobile phone business card shown in Figure 2 is only an example, the two-dimensional code can also be located in the lower part of the figure or other positions, there is no restriction on the way of displaying the two-dimensional code, as long as it is in conjunction with the mobile phone business card The binding will fall into the protection scope of the present invention.
图3是表示本发明的第一实施方式的基于手机名片的二维码支付方法中的二维码申码阶段和承兑阶段的示意图。3 is a schematic diagram showing the QR code application phase and the acceptance phase in the mobile phone business card-based QR code payment method according to the first embodiment of the present invention.
如图3所示，根据本发明第一实施方式的基于手机名片的二维码支付方法，当手机用户向手机名片***发出付款请求，手机名片***将该付款请求(包含Token和预留手机号码)发送到支付***，支付***向手机名片***返回付款二维码(其中，支付***根据Token和预留手机号码生成与该Token和预留手机号码对应的付款二维码)，手机名片***将付款二维码返回到手机用户，这样在用户的手机上，例如在我的名片一栏会显示“付款二维码”，商户通过扫描付款二维码后向支付***发出完成支付的请求(其中，支付***获得付款二维码，根据付款二维码与Token和预留手机号码的对应关系得到对应的银行卡信息，基于该银行卡信息完成支付扣款)。As shown in Figure 3, according to the mobile phone business card-based QR code payment method according to the first embodiment of the present invention, when a mobile phone user sends a payment request to the mobile phone business card system, the mobile phone business card system will make the payment request (including Token and reserved mobile phone number). ) Is sent to the payment system, and the payment system returns the payment QR code to the mobile phone business card system (the payment system generates a payment QR code corresponding to the Token and the reserved mobile phone number according to the Token and the reserved mobile phone number), and the mobile business card system will The payment QR code is returned to the mobile phone user, so that on the user’s mobile phone, for example, "Payment QR code" will be displayed in the column of my business card. The merchant scans the payment QR code and sends a payment completion request to the payment system (where , The payment system obtains the payment QR code, obtains the corresponding bank card information according to the corresponding relationship between the payment QR code, the Token and the reserved mobile phone number, and completes the payment deduction based on the bank card information).
图4是表示本发明的第一实施方式的基于手机名片的二维码支付***的构造框图。4 is a block diagram showing the structure of a two-dimensional code payment system based on a mobile phone business card according to the first embodiment of the present invention.
如图4所示，本发明的第一实施方式的基于手机名片的二维码支付***包括：支付***100和手机名片***200。As shown in FIG. 4, the mobile phone business card-based QR code payment system according to the first embodiment of the present invention includes: a payment system 100 and a mobile phone business card system 200.
其中，支付***100包括：支付核心***110、Token***120以及区块链节点模块130。支付核心***110完成与支付相关的各项功能，Token***120完成与Token的产生和管理相关的各项功能。区块链节点模块130基于区块链技术完成与手机名片***200之间的信息交互。Among them, the payment system 100 includes: a payment core system 110, a Token system 120, and a blockchain node module 130. The payment core system 110 performs various functions related to payment, and the Token system 120 performs various functions related to the generation and management of Token. The blockchain node module 130 completes the information interaction with the mobile phone business card system 200 based on the blockchain technology.
手机名片***200包括手机名片***A、手机名片***B、……手机名片***M的多个手机名片***。这些手机名片***可以按照设备信息进行分类，例如，按照手机品牌进行分类、按照手机运行主***类型的各种设备信息而设置多个。The mobile phone business card system 200 includes a mobile phone business card system A, a mobile phone business card system B, ... a plurality of mobile phone business card systems of the mobile phone business card system M. These mobile phone business card systems can be classified according to device information, for example, they can be classified according to mobile phone brands, and multiple devices can be set up according to various device information of the mobile phone operating main system type.
其中，支付核心***110用于接收来自银行***的绑定请求，其中所述绑定请求中包括银行卡信息、预留手机号码、设备信息等的信息。这些绑定请求可以通过手机银行、网上银行、微信银行、银行柜面等向银行核心***提出，由银行核心***将用于开通手机名片二维码功能的请求发送给支付***。Wherein, the payment core system 110 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 number, and device information. These binding requests can be submitted to the bank's core system through mobile banking, online banking, WeChat banking, bank counters, etc., and the bank's core system sends the request for opening the QR code function of the mobile phone business card to the payment system.
Token***120用于根据所述绑定请求生成对应的Token和TokenRefID并建立银行卡信息(例如银行***)、Token、TokenRefID、预留手机号码以及设备信息(例如手机品牌)之间的映射关系，文中将该映射关系称为第一映射表。The Token system 120 is used to generate corresponding Token and TokenRefID according to the binding request and establish the mapping relationship between bank card information (for example, bank card number), Token, TokenRefID, reserved mobile phone number, and device information (for example, mobile phone brand), This mapping relationship is referred to as the first mapping table in the text.
进一步，区块链节点模块130即可以看做支付***100的一部分来作为区块链的一个节点，也可以是代表支付***100的整体来作为区块链的一个节点。通过区块链节点模块130从支付***100向手机名片***200发送TokenRefID。具体地，支付***100本身或者区块链节点模块130、以及各个手机名片***200均作为联盟链的成员节点，联盟成员之间通过区块链的多中心的互信来达成共识。每个成员节点对应某个(或多个)手机品牌的手机名片***，并拥有各自的节点地址，例如，在图4中，支付节点模块130的节点地址是mobilesystemnode00，手机名片***A、手机名片***B、……手机名片***M的节点地址分别为mobilesystemnodeA、mobilesystemnodeB、……mobilesystemnodeM。Further, the blockchain node module 130 can be regarded as a part of the payment system 100 as a node of the blockchain, or can represent the entire payment system 100 as a node of the blockchain. The TokenRefID is sent from the payment system 100 to the mobile phone business card system 200 through the blockchain node module 130. Specifically, the payment system 100 itself or the blockchain node module 130, and each mobile phone business card system 200 are the member nodes of the alliance chain, and the alliance members reach consensus through the multi-center mutual trust of the blockchain. Each member node corresponds to a mobile phone business card system of a certain (or multiple) mobile phone brands and has its own node address. For example, in Figure 4, the node address of the payment node module 130 is mobilesystemnode00, mobile business card system A, mobile business card The node addresses of the system B and the mobile phone business card system M are mobilesystemnodeA, mobilesystemnodeB, and mobilesystemnodeM respectively.
区块链节点模块130根据设备信息将TokenRefID发送到设备信息(例如手机品牌)对应的手机名片***的节点地址，并在联盟链上进行发送确认，所有链上节点予以确认后，完成发送。此时，TokenRefID归属于某个节点(手机名片***200)得到共识，各节点均有记录。The blockchain node 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 confirms the sending on the alliance chain. 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 200) to obtain a consensus, and each node has a record.
手机名片***200获得TokenRefID之后，使用非对称加密的方式，以TokenRefID、自身公钥向支付***100请求获得Token，并附带签名数据。After obtaining the TokenRefID, the mobile phone business card system 200 uses asymmetric encryption to request the payment system 100 to obtain the Token with the TokenRefID and its own public key, with signature data attached.
支付***100的Token***验证签名，使用手机名片***200的公钥对Token、银行预留手机号码进行加密，附上自身公钥、及签名后返回给手机名片***200。The Token system of the payment system 100 verifies the signature, uses the public key of the mobile phone business card system 200 to encrypt the Token and the bank’s reserved mobile phone number, attaches its own public key and signs, and returns it to the mobile phone business card system 200.
手机名片***200进行验签解密后，获得Token、银行预留手机号。手机名片***200匹配关联手机用户名片手机号码、手机设备SIM***均与该银行预留手机号码相同的用户。手机名片***200将Token与该用户名片进行绑定。绑定完成后，手机名片***200将绑定结果返回支付***100，支付***100再将结果返回到银行***。After the mobile phone business card system 200 performs signature verification and decryption, it obtains a Token and a mobile phone number reserved by the bank. The mobile phone business card system 200 matches users whose mobile phone number and mobile device SIM card number of the associated mobile phone user are the same as the mobile phone number reserved by the bank. The mobile phone business card system 200 binds the Token to the user's 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.
当用户使用手机设备打开(通讯录)我的名片，则使用手机名片***200发起二维码获取请求时，手机名片***200校验当前设备SIM***与预留手机号的一致性，并且在校验通过的情况下以该名片绑定的Token向支付***100请求付款二维码。When a user opens (address book) my business card using a mobile phone device, and uses the mobile phone business card system 200 to initiate a QR code acquisition request, the mobile phone business card system 200 verifies the consistency between the current device SIM card number and the reserved mobile phone number, and is in school If the verification is passed, the Token bound to the business card is used to request a payment QR code from the payment system 100.
在二维码申码阶段，支付***100的Token***110接收手机名片***发送来的Token以及预留手机号码，校验Token与预留手机号码的一致性，在校验成功的情况下，支付***100的Token***120生成与该Token以及预留手机号码相对应的付款二维码并返回到手机名片***200。In the QR code application phase, the Token system 110 of the payment system 100 receives the Token and the reserved mobile phone number sent by the mobile phone business card system, verifies the consistency of the Token and the reserved mobile phone number, and pays if the verification is successful. The Token system 120 of the system 100 generates a payment QR code corresponding to the Token and the reserved mobile phone number and returns it to the mobile phone business card system 200.
那么，在承兑阶段，手机名片***200将该付款二维码推送给手机用户1、手机用户2、手机用户N中的一个手机用户，在该手机用户的设备上例如在通讯录“我的名片”中予以展示，商户扫描付款二维码，该付款二维码可供商户扫描。商户通过收单***向支付***100提供付款二维码，支付***100的Token***120根据付款二维码与Token以及预留手机号码的对应关系获得对应的银行卡信息，由支付核心***110完成承兑。Then, in the acceptance stage, the mobile phone business card system 200 pushes the payment QR code to one of the mobile phone user 1, mobile phone user 2, and mobile phone user N. On the mobile phone user’s device, for example, in the address book "My Business Card" ”Is displayed, the merchant scans the payment QR code, and the payment QR code can be scanned by the merchant. The merchant provides the payment QR code to the payment system 100 through the acquiring system. The Token system 120 of the payment system 100 obtains the corresponding bank card information according to the corresponding relationship between the payment QR code and the Token and the reserved mobile phone number, which is completed by the payment core system 110 Acceptance.
如上所述，根据本发明第一实施方式的基于手机名片的二维码支付方法以及于手机名片的二维码支付***，相较于传统二维码绑卡开通，在保障安全的前提下，绑卡工作不需要用户下载客户端，不需要用户输入银行卡信息，大量减少用户操作时间，降低了绑卡门槛，提升使用意愿。As described above, the QR code payment method based on mobile phone business cards and the QR code payment system for mobile phone business cards according to the first embodiment of the present invention, compared with the traditional QR code binding card activation, under the premise of ensuring safety, The card binding work does not require users to download the client, and does not require users to input bank card information, which greatly reduces user operation time, lowers the threshold for binding the card, and increases the willingness to use.
进一步，相较于传统二维码申码、承兑，根据本发明第一实施方式的基于手机名片的二维码支付方法无需下载手机客户端，降低对手机客户端的依赖，没有客户端亦能支付，能够减少二维码交易实施成本，提升实施效率。Further, compared with the traditional QR code application and acceptance, the QR code payment method based on the mobile phone business card according to the first embodiment of the present invention does not need to download the mobile client, which reduces the dependence on the mobile client, and can pay without a client. , Which can reduce the implementation cost of QR code transactions and improve implementation efficiency.
更进一步，根据本发明第一实施方式的基于手机名片的二维码支付方法以及于手机名片的二维码支付***，通过利用区块链技术，增加绑卡开通的安全性，建立手机名片***与支付***的互信，以及可追溯性与不可抵赖性，强化交易安 全与风险防控。Furthermore, according to the mobile phone business card-based QR code payment method and the mobile phone business card payment system of the QR code according to the first embodiment of the present invention, by using blockchain technology, the security of card binding activation is increased, and a mobile phone business card system is established. Mutual trust with the payment system, as well as traceability and non-repudiation, strengthen transaction security and risk prevention and control.
再进一步，根据本发明第一实施方式的基于手机名片的二维码支付方法以及于手机名片的二维码支付***，通过手机名片、SIM手机号、银行预留手机号的比对校验等方式，无需传统客户端用户识别，避免了传统手机客户端因自身原因可能造成的***性风险。Furthermore, according to the mobile phone business card-based QR code payment method and the mobile phone business card QR code payment system according to the first embodiment of the present invention, the mobile phone business card, SIM mobile phone number, and bank reserved mobile phone number are compared and verified. In this way, there is no need for traditional client user identification, which avoids the systemic risks that may be caused by traditional mobile phone clients due to their own reasons.
第二实施方式接着，对于本发明的第二实施方式的基于手机名片的二维码支付方法以及基于手机名片的二维码支付***进行说明。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 in the second embodiment of the present invention will be described.
第二实施方式的基于手机名片的二维码支付方法以及基于手机名片的二维码支付***与第一实施方式的区别在于，不采用将银行卡信息进行Token化的技术，而是以***编码代替Token，并以***编码反馈代码代替TokenRefID。The difference between the two-dimensional code payment method based on mobile phone business cards and the two-dimensional code payment system based on mobile business cards of the second embodiment and the first embodiment is that it does not use the technology of tokenizing bank card information, but uses system encoding. Replace Token, and replace TokenRefID with the system code feedback code.
虽然，在第二实施方式中虽然不采用Token化技术，但是主体流程也与图1所示的流程相同，因此，这里也参照图1对于第二实施方式的基于手机名片的二维码支付方法进行说明。Although the tokenization technology is not used in the second embodiment, the main flow is the same as that shown in Fig. 1. Therefore, refer to Fig. 1 for the mobile phone business card-based QR code payment method of the second embodiment. Be explained.
同样，第二实施方式的基于手机名片的二维码支付方法也分为三个阶段：绑卡开通阶段、二维码申码阶段以及二维码承兑阶段。Similarly, the mobile phone business card-based QR code payment method of the second embodiment is also divided into three phases: the card binding phase, the QR code application phase, and the QR code acceptance phase.
首先，说明绑卡开通阶段。First, explain the activation phase of the tied card.
绑卡开通阶段包括图1中的步骤S101～步骤S105。The card binding activation stage includes steps S101 to S105 in FIG. 1.
步骤S101：从银行***向支付***发起开通。Step S101: Initiate activation from the banking system to the payment system.
具体地，用户在银行网点或手机银行、网上银行等各类渠道办理银行卡业务时，选择开通手机名片付款功能。银行***向支付***发起手机名片二维码开通请求，包括开通银行卡、预留手机号、用户手机品牌等。Specifically, users choose to activate the mobile business card payment function when handling bank card business at bank outlets or through various channels such as mobile banking and online banking. The banking system initiates a mobile phone business card QR code activation request to the payment system, including bank card activation, mobile phone number reservation, user mobile phone brand, etc.
步骤S102：支付***对银行卡进行编码。Step S102: The payment system encodes the bank card.
具体地，支付***对银行卡进行编码，产生***编码与***编码反馈代码，将***编码返回给银行***。同时，建立银行卡、***编码、***编码反馈代码、预留手机号、手机品牌等信息的第一映射表。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 banking system. At the same time, establish the first mapping table of bank card, system code, system code feedback code, reserved cell phone number, cell phone brand and other information.
步骤S103：支付***通过区块链向手机名片***发送***编码反馈代码。Step S103: The payment system sends the system encoding feedback code to the mobile phone business card system through the blockchain.
步骤S104：手机名片***获取***编码。Step S104: The mobile phone business card system obtains the system code.
手机名片***使用非对称加密的方式，以***编码反馈代码、自身公钥向 支付***请求获得***编码，并附带签名数据。支付***验证签名，使用手机名片***的公钥对***编码、银行预留手机号进行加密，附上自身公钥、及签名后返回给对方。手机名片***进行验签解密后，获得***编码和银行预留手机号。The mobile phone business card system uses asymmetric encryption to request the payment system to obtain the system code with the system code feedback code and its own public key, with signature data attached. The payment system verifies the signature, uses the public key of the mobile phone business card system to encrypt the system code and the bank’s reserved mobile phone number, attaches its own public key, and returns the signature to the other party. After the mobile phone business card system performs signature verification and decryption, it obtains the system code and the mobile phone number reserved by the bank.
步骤S105：手机名片***绑定***编码。Step S105: the system code is bound to the mobile phone business card system.
具体地，手机名片***匹配关联手机用户中本人名片手机号、手机设备SIM***均与该银行预留手机号相同的用户。将***编码与该用户名片进行绑定。绑定完成后，手机名片***将绑定结果返回支付***，支付***返回银行***。Specifically, the mobile phone business card system matches users whose personal business card mobile phone number and mobile device SIM card number are the same as the mobile phone number reserved by the bank among the associated mobile phone users. Bind the system code with the user's 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 banking system.
接着，说明二维码申码阶段。Next, explain the QR code application phase.
步骤S106：当用户使用手机设备打开(通讯录)我的名片，使用手机名片***发起二维码获取请求时，手机名片***校验当前设备SIM***与预留手机号的一致性，以该名片绑定的***编码向支付***请求付款二维码。Step S106: When the user uses the mobile phone device to open (address book) my business card and uses the mobile phone business card system to initiate a QR code acquisition request, the mobile phone business card system verifies the consistency between the current device SIM card number and the reserved mobile phone number, and uses the business card The bound system code requests a payment QR code from the payment system.
步骤S107：支付***接收手机名片***发送来的***编码以及预留手机号码，校验***编码与预留手机号码的一致性，在校验成功的情况下，支付***生成与该***编码以及预留手机号码相对应的付款二维码并返回到手机名片***。Step S107: The payment system receives the system code and reserved mobile phone number sent by the mobile phone business card system, verifies the consistency of the system code and the reserved mobile phone number, and in the case of successful verification, the payment system generates a code and pre-defined Leave the payment QR code corresponding to the mobile phone number and return to the mobile phone business card system.
最后，说明二维码承兑阶段。Finally, explain the acceptance stage of the QR code.
步骤S108：手机名片***将该付款二维码推送给用户手机设备(未图示)，在通讯录我的名片中予以展示，商户扫描付款二维码，通过收单机构上送到支付***，支付***根据付款二维码与***编码以及预留手机号码的对应关系获得对应的银行卡信息并完成承兑。Step S108: The mobile phone business card system pushes the payment QR code to the user's mobile device (not shown), and displays it in My Business Card in the address book. The merchant scans the payment QR code and sends it to the payment system through the acquirer. The payment system obtains the corresponding bank card information and completes the acceptance according to the corresponding relationship between the payment QR code, the system code and the reserved mobile phone number.
根据本发明第二实施方式的基于手机名片的二维码支付方法，当手机用户向手机名片***发出付款请求，手机名片***将该付款请求(包含***编码和预留手机号码)发送到支付***，支付***向手机名片***返回付款二维码(其中，支付***根据***编码和预留手机号码生成与该***编码和预留手机号码对应的付款二维码)，手机名片***将付款二维码返回到手机用户，这样在用户的手机上，例如在我的名片一栏会显示“付款二维码”，商户通过扫描付款二维码后向支付***发出完成支付的请求(其中，支付***获得付款二维码，根据付款二维码与***编码和预留手机号码的对应关系得到对应的银行卡信息，基于该银行卡信息完成支付扣款)。According to the mobile phone business card-based QR code payment method of the second embodiment of the present invention, when a mobile phone user sends a payment request to the mobile phone business card system, the mobile phone business card system sends the payment request (including the system code and reserved mobile phone number) to the payment system , The payment system returns the payment QR code to the mobile phone business card system (the payment system generates the payment QR code corresponding to the system code and reserved mobile phone number according to the system code and reserved mobile phone number), and the mobile phone business card system will pay the QR code The code is returned to the mobile phone user, so that on the user’s mobile phone, for example, the "payment QR code" will be displayed in the column of my business card. The merchant scans the payment QR code and sends a payment completion request to the payment system (among which, the payment system Obtain the payment QR code, obtain the corresponding bank card information according to the corresponding relationship between the payment QR code, the system code and the reserved mobile phone number, and complete the payment deduction based on the bank card information).
图5是表示本发明的第二实施方式的基于手机名片的二维码支付***的构造框图。5 is a block diagram showing the structure of a two-dimensional code payment system based on a mobile phone business card according to a second embodiment of the present invention.
如图5所示，本发明的第二实施方式的基于手机名片的二维码支付***包括：支付***300和手机名片***400。As shown in FIG. 5, the mobile phone business card-based QR code payment system according to the second embodiment of the present invention includes a payment system 300 and a mobile phone business card system 400.
其中，支付***300包括：支付核心***310、***编码***320以及区块链节点模块330。支付核心***310完成与支付相关的各项功能，***编码***320完成与***编码的产生和管理相关的各项功能。区块链节点模块330基于区块链技术完成与手机名片***400之间的信息交互。Among them, the payment system 300 includes: a payment core system 310, a system coding system 320, and a blockchain node module 330. The payment core system 310 performs various functions related to payment, and the system coding system 320 performs various functions related to the 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.
手机名片***400包括手多个手机名片***，如图5中所示的手机名片***A、手机名片***B、……手机名片***M。这些手机名片***可以按照设备信息进行分类，例如，按照手机品牌进行分类、按照手机运行主***类型的各种设备信息而设置多个。The mobile phone business card system 400 includes multiple mobile phone business card systems, such as a mobile phone business card system A, a mobile phone business card system B, and a mobile phone business card system M as shown in FIG. 5. These mobile phone business card systems can be classified according to device information, for example, they can be classified according to mobile phone brands, and multiple devices can be set up according to various device information of the mobile phone operating main system type.
其中，支付核心***310用于接收来自银行***的绑定请求，其中所述绑定请求中包括银行卡信息、预留手机号码、设备信息等信息。这些绑定请求可以通过手机银行、网上银行、微信银行、银行柜面等向银行核心***提出，由银行核心***将用于开通手机名片二维码功能的请求发送给支付***。The payment core system 310 is configured to receive a binding request from a banking system, where the binding request includes bank card information, reserved mobile phone number, device information, and other information. These binding requests can be submitted to the bank's core system through mobile banking, online banking, WeChat banking, bank counters, etc., and the bank's core system sends the request for opening the QR code function of the mobile phone business card to the payment system.
***编码***320用于根据所述绑定请求生成对应的***编码和***编码反馈代码并建立银行卡信息(例如银行***)、***编码、***编码反馈代码、预留手机号码以及设备信息(例如手机品牌)的映射关系。The system coding system 320 is used to generate the corresponding system code and system code feedback code according to the binding request and establish bank card information (such as bank card number), system code, system code feedback code, reserved mobile phone number and device information (such as Mobile phone brand) mapping relationship.
进一步，区块链节点模块330即可以看做支付***300的一部分来并作为区块链的一个节点，也可以是代表支付***300的整体而作为区块链的一个节点。通过区块链节点模块330从支付***300向手机名片***400发送***编码反馈代码。具体地，支付***300本身或者区块链节点模块330、以及各个手机名片***400均作为联盟链的成员节点，联盟成员之间通过区块链的多中心的互信来达成共识。每个成员节点对应某个(或多个)手机品牌的手机名片***，并拥有各自的节点地址。Further, the blockchain node module 330 can be regarded as a part of the payment system 300 and as a node of the blockchain, or can represent the entire payment system 300 as a node of the blockchain. The system encoding feedback code is sent from the payment system 300 to the mobile 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 mobile phone business card system 400 are the member nodes of the alliance chain, and the alliance members reach consensus through the multi-center mutual trust of the blockchain. Each member node corresponds to a mobile phone business card system of a certain (or multiple) mobile phone brands, and has its own node address.
区块链节点模块330根据设备信息将***编码反馈代码发送到手机品牌对应的手机名片***的节点地址，并在联盟链上进行发送确认，所有链上节点予以确认后，完成发送。此时，***编码反馈代码归属于某个节点(手机名片***400) 得到共识，各节点均有记录。The blockchain node module 330 sends 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 confirms the sending on the alliance chain. After all the nodes on the chain confirm, the sending is completed. At this time, the system coding feedback code belongs to a certain node (mobile phone business card system 400) to obtain a consensus, and each node has a record.
手机名片***400获得***编码反馈代码之后，使用非对称加密的方式，以***编码反馈代码、自身公钥向支付***300请求获得***编码，并附带签名数据。After the mobile phone business card system 400 obtains the system encoding feedback code, it uses asymmetric encryption to request the payment system 300 to obtain the system encoding with the system encoding feedback code and its own public key, with signature data attached.
支付***300的***编码***验证签名，使用手机名片***400的公钥对***编码、银行预留手机号进行加密，附上自身公钥、及签名后返回给手机名片***400。The system coding system of the payment system 300 verifies the signature, uses the public key of the mobile phone business card system 400 to encrypt the system code and the bank’s reserved mobile phone number, attaches its own public key and signs and returns it to the mobile phone business card system 400.
手机名片***400进行验签解密后，获得***编码、银行预留手机号。手机名片***400匹配关联手机用户名片手机号、手机设备SIM***均与该银行预留手机号相同的用户。手机名片***400将***编码与该用户名片进行绑定。绑定完成后，手机名片***400将绑定结果返回支付***300，支付***300再将结果返回到银行***。After the mobile phone business card system 400 performs signature verification and decryption, it obtains the system code and the mobile phone number reserved by the bank. The mobile phone business card system 400 matches users whose mobile phone number and mobile device SIM card number of the associated mobile phone user are the same as the mobile phone number reserved by the bank. The mobile phone business card system 400 binds the system code to the user's 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.
当用户使用手机设备打开(通讯录)我的名片，则使用手机名片***400发起二维码获取请求时，手机名片***400校验当前设备SIM***与预留手机号的一致性，并且在校验通过的情况下以该名片绑定的***编码向支付***300请求付款二维码。When a user uses a mobile phone device to open (address book) my business card, and then uses the mobile phone business card system 400 to initiate a two-dimensional code acquisition request, the mobile phone business card system 400 verifies the consistency of the current device SIM card number with the reserved mobile phone number, and is in school If the verification is passed, the system code bound to the business card is used to request a payment QR code from the payment system 300.
在二维码申码阶段，支付***300的***编码***310接收手机名片***400的***编码以及预留手机号码，校验***编码与预留手机号码的一致性，在校验成功的情况下，支付***300的***编码***320生成与该***编码以及预留手机号码相对应的付款二维码并返回到手机名片***400。In the QR code application phase, 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, verifies the consistency of the system code and the reserved mobile phone number, and in the case of successful verification The system coding system 320 of the payment system 300 generates a payment QR code corresponding to the system code and the reserved mobile phone number and returns it to the mobile phone business card system 400.
在承兑阶段，手机名片***400将该付款二维码推送给手机用户，在该手机用户的设备上例如在通讯录“我的名片”中予以展示，商户扫描付款二维码，该付款二维码可供商户扫描。商户通过收单***向支付***300提供付款二维码，支付***300的***编码***320根据付款二维码与***编码以及预留手机号码的对应关系获得对应的银行卡信息，由支付核心***310基于该银行卡信息完成承兑。In the acceptance stage, the mobile phone business card system 400 pushes the payment QR code to the mobile phone user, and displays it in the address book "My Business Card" on the mobile phone user’s device. The merchant scans the payment QR code, and the payment QR code is displayed on the mobile phone user’s device. The code can be scanned by the merchant. The merchant provides the payment QR code to the payment system 300 through the acquiring system. The system encoding system 320 of the payment system 300 obtains the corresponding bank card information according to the corresponding relationship between the payment QR code and the system code and the reserved mobile phone number. The payment core system 310 completes the acceptance based on the bank card information.
如上所述，根据本发明第二实施方式的基于手机名片的二维码支付方法以及于手机名片的二维码支付***，相较于传统二维码绑卡开通，通过将银行卡信息转换为***编码能够保障安全，在此前提下，绑卡工作不需要用户下载客户端， 不需要用户输入银行卡信息，大量减少用户操作时间，降低了绑卡门槛，提升使用意愿。As described above, the QR code payment method based on mobile phone business cards and the QR code payment system for mobile phone business cards according to the second embodiment of the present invention are compared with the traditional QR code binding card activation by converting bank card information into System coding can ensure security. Under this premise, the card binding work does not require users to download the client, and does not require users to input bank card information, which greatly reduces user operation time, lowers the threshold for binding cards, and increases the willingness to use.
进一步，相较于传统二维码申码、承兑，根据本发明第二实施方式的基于手机名片的二维码支付方法无需下载手机客户端，降低对手机客户端的依赖，没有客户端亦能支付，能够减少二维码交易实施成本，提升实施效率。Further, compared with the traditional QR code application and acceptance, the QR code payment method based on mobile business cards according to the second embodiment of the present invention does not require downloading the mobile client, reducing the dependence on the mobile client, and making payments without a client , Which can reduce the implementation cost of QR code transactions and improve implementation efficiency.
更进一步，根据本发明第二实施方式的基于手机名片的二维码支付方法以及于手机名片的二维码支付***，通过利用区块链技术，增加绑卡开通的安全性，建立手机名片***与支付***的互信，以及可追溯性与不可抵赖性，强化交易安全与风险防控。Furthermore, according to the two-dimensional code payment method based on mobile phone business cards and the two-dimensional code payment system for mobile business cards according to the second embodiment of the present invention, by using blockchain technology, the security of binding card activation is increased, and a mobile business card system is established. Mutual trust with the payment system, as well as traceability and non-repudiation, strengthen transaction security and risk prevention and control.
再进一步，根据本发明第二实施方式的基于手机名片的二维码支付方法以及于手机名片的二维码支付***，通过手机名片、SIM手机号、银行预留手机号的比对校验等方式，无需传统客户端用户识别，避免了传统手机客户端因自身原因可能造成的***性风险。Furthermore, according to the mobile phone business card-based QR code payment method and the mobile phone business card QR code payment system according to the second embodiment of the present invention, the mobile phone business card, SIM mobile phone number, and bank reserved mobile phone number are compared and verified, etc. In this way, there is no need for traditional client user identification, which avoids the systemic risks that may be caused by traditional mobile phone clients due to their own reasons.
第三实施方式The third embodiment
接着，对于本发明的第三实施方式的基于手机名片的二维码支付方法以及基于手机名片的二维码支付***进行说明。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 in the third embodiment of the present invention will be described.
第三实施方式的基于手机名片的二维码支付方法以及基于手机名片的二维码支付***与第一实施方式的区别在于，不需要将银行卡信息进行Token化，而是直接用银行卡信息进行后续流程。The difference between the mobile phone business card-based QR code payment method and the mobile phone business card-based QR code payment system of the third embodiment and the first embodiment is that the bank card information does not need to be tokenized, but the bank card information is directly used Proceed to the follow-up process.
虽然，在第三实施方式中虽然不采用Token化技术，但是主体流程也与图1所示的流程相同，因此，这里也参照图1对于第三实施方式的基于手机名片的二维码支付方法进行说明。Although the tokenization technology is not used in the third embodiment, the main flow is the same as that shown in Fig. 1. Therefore, refer to Fig. 1 for the mobile phone business card-based QR code payment method of the third embodiment. Be explained.
同样，第三实施方式的基于手机名片的二维码支付方法也分为三个阶段：绑卡开通阶段、二维码申码阶段以及二维码承兑阶段。Similarly, the mobile phone business card-based QR code payment method of the third embodiment is also divided into three phases: the card binding phase, the QR code application phase, and the QR code acceptance phase.
首先，说明绑卡开通阶段。First, explain the activation phase of the tied card.
绑卡开通阶段包括图1中的步骤S101～步骤S105。The card binding activation stage includes steps S101 to S105 in FIG. 1.
步骤S101：从银行***向支付***发起开通。Step S101: Initiate activation from the banking system to the payment system.
具体地，用户在银行网点或手机银行、网上银行等各类渠道办理银行卡业 务时，选择开通手机名片付款功能。银行***向支付***发起手机名片二维码开通请求，包括开通银行卡信息、预留手机号、用户手机品牌等。Specifically, users choose to activate the mobile business card payment function when they transact bank card business at bank outlets or through various channels such as mobile banking and online banking. The banking system initiates a mobile phone business card QR code activation request to the payment system, including opening bank card information, reserved mobile phone number, user's mobile phone brand, etc.
步骤S102：支付***根据开通请求，产生对应于该银行卡信息的银行卡反馈代码，并且保存银行卡信息、银行卡反馈代码、预留手机号、手机品牌之间的对应关系的第一映射表。Step S102: The payment system generates the bank card feedback code corresponding to the bank card information according to the activation request, and saves the first mapping table of the correspondence between the bank card information, the bank card feedback code, the reserved mobile phone number, and the mobile phone brand .
步骤S103：支付***通过区块链向手机名片***发送银行卡反馈代码。Step S103: The payment system sends the bank card feedback code to the mobile phone business card system through the blockchain.
步骤S104：手机名片***获取银行卡信息。Step S104: The mobile phone business card system obtains bank card information.
手机名片***使用非对称加密的方式，以银行卡反馈代码、自身公钥向支付***请求获得银行卡信息，并附带签名数据。支付***验证签名，使用手机名片***的公钥对银行卡信息、银行预留手机号进行加密，附上自身公钥、及签名后返回给手机名片***。手机名片***进行验签解密后，获得银行卡信息和银行预留手机号。The mobile phone business card system uses asymmetric encryption to request bank card information from the payment system with the bank card feedback code and its own public key, with signature data attached. The payment system verifies the signature, uses the public key of the mobile phone business card system to encrypt the bank card information and the bank’s reserved mobile phone number, attaches its own public key and signs, and returns it to the mobile phone business card system. After the mobile phone business card system performs signature verification and decryption, it obtains the bank card information and the mobile phone number reserved by the bank.
步骤S105：手机名片***绑定银行卡信息。Step S105: the mobile phone business card system binds the bank card information.
具体地，手机名片***匹配关联手机用户中本人名片手机号、手机设备SIM***均与该银行预留手机号相同的用户。将银行卡信息与该用户名片进行绑定。绑定完成后，手机名片***将绑定结果返回支付***，支付***返回银行***。Specifically, the mobile phone business card system matches users whose personal business card mobile phone number and mobile device SIM card number are the same as the mobile phone number reserved by the bank among the associated mobile phone users. Bind the bank card information with the user's 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 banking system.
接着，说明二维码申码阶段。Next, explain the QR code application phase.
步骤S106：当用户使用手机设备打开(通讯录)我的名片，使用手机名片***发起二维码获取请求时，手机名片***校验当前设备SIM***与预留手机号的一致性，以该名片绑定的银行卡信息向支付***请求付款二维码。Step S106: When the user uses the mobile phone device to open (address book) my business card and uses the mobile phone business card system to initiate a QR code acquisition request, the mobile phone business card system verifies the consistency between the current device SIM card number and the reserved mobile phone number, and uses the business card The bound bank card information requests a payment QR code from the payment system.
步骤S107：支付***接收手机名片***发送来的银行卡信息以及预留手机号码，校验银行卡信息与预留手机号码的一致性，在校验成功的情况下，支付***生成与该银行卡信息以及预留手机号码相对应的付款二维码并返回到手机名片***。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 in the case of successful verification, the payment system generates the same as the bank card The information and the payment QR code corresponding to the reserved mobile phone number are returned to the mobile phone business card system.
最后，说明二维码承兑阶段。Finally, explain the acceptance stage of the QR code.
步骤S108：手机名片***将该付款二维码推送给用户手机设备(未图示)，在通讯录我的名片中予以展示，商户扫描付款二维码，通过收单机构上送到支付***，支付***根据付款二维码与银行卡信息以及预留手机号码的对应关系获得 对应的银行卡信息并完成承兑。Step S108: The mobile phone business card system pushes the payment QR code to the user's mobile device (not shown), and displays it in My Business Card in the address book. The merchant scans the payment QR code and sends it to the payment system through the acquirer. The payment system obtains the corresponding bank card information and completes the acceptance according to the corresponding relationship between the payment QR code, the bank card information and the reserved mobile phone number.
根据本发明第三实施方式的基于手机名片的二维码支付方法，当手机用户向手机名片***发出付款请求，手机名片***将该付款请求(包含银行卡信息和预留手机号码)发送到支付***，支付***向手机名片***返回付款二维码(其中，支付***根据银行卡信息和预留手机号码生成与该银行卡信息和预留手机号码对应的付款二维码)，手机名片***将付款二维码返回到手机用户，这样在用户的手机上，例如在我的名片一栏会显示“付款二维码”，商户通过扫描付款二维码后向支付***发出完成支付的请求(其中，支付***获得付款二维码，根据付款二维码与银行卡信息和预留手机号码的对应关系得到对应的银行卡信息，基于该银行卡信息完成支付扣款)。According to the mobile phone business card-based QR code payment method of the third embodiment of the present invention, when a mobile phone user sends a payment request to the mobile phone business card system, the mobile phone business card system sends the payment request (including bank card information and reserved mobile phone number) to the payment System, the payment system returns the payment QR code to the mobile phone business card system (the payment system generates the payment QR code corresponding to the bank card information and the reserved mobile phone number according to the bank card information and the reserved mobile phone number), and the mobile phone business card system will The payment QR code is returned to the mobile phone user, so that on the user’s mobile phone, for example, "Payment QR code" will be displayed in the column of my business card. The merchant scans the payment QR code and sends a payment completion request to the payment system (where , The payment system obtains the payment QR code, obtains the corresponding bank card information according to the corresponding relationship between the payment QR code, the bank card information and the reserved mobile phone number, and completes the payment deduction based on the bank card information).
图6是表示本发明的第三实施方式的基于手机名片的二维码支付***的构造框图。6 is a block diagram showing the structure of a two-dimensional code payment system based on a mobile phone business card according to a third embodiment of the present invention.
如图6所示，本发明的第一实施方式的基于手机名片的二维码支付***包括：支付***500和手机名片***600。As shown in FIG. 6, the mobile phone business card-based QR code payment system according to the first embodiment of the present invention includes: a payment system 500 and a mobile phone business card system 600.
其中，支付***500包括：支付核心***510以及区块链节点模块520。支付核心***510完成与支付相关的各项功能以及与银行卡信息相关的各项管理功能。区块链节点模块520基于区块链技术完成与手机名片***600之间的信息交互。Wherein, the payment system 500 includes: a payment core system 510 and a blockchain node module 520. The payment core system 510 completes 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.
手机名片***600包括手多个手机名片***，如图6中所示的手机名片***A、手机名片***B、……手机名片***M。这些手机名片***可以按照设备信息进行分类，例如，按照手机品牌进行分类、按照手机运行主***类型的各种设备信息而设置多个。这里，手机名片***600可以设置为对应一个品牌或多个品牌的各类手机机设备。The mobile phone business card system 600 includes multiple mobile phone business card systems, such as a mobile phone business card system A, a mobile phone business card system B, and a mobile phone business card system M as shown in FIG. 6. These mobile phone business card systems can be classified according to device information, for example, they can be classified according to mobile phone brands, and multiple devices can be set up according to various device information of the mobile phone operating main system type. Here, the mobile phone business card system 600 can be configured to correspond to various types of mobile phone devices of one brand or multiple brands.
其中，支付核心***510用于接收来自银行***的绑定请求，其中所述绑定请求中包括银行卡信息、预留手机号码、设备信息等信息。The payment core system 510 is configured to receive a binding request from the banking system, where the binding request includes bank card information, reserved mobile phone number, device information, and other information.
支付核心***510用于根据所述绑定请求生成对应的银行卡信息的银行卡反馈代码，并建立银行卡信息(例如银行***)、银行卡反馈代码、预留手机号码以及设备信息(例如手机品牌)的映射关系。The payment core system 510 is used to generate a bank card feedback code corresponding to the bank card information according to the binding request, and establish bank card information (such as bank card number), bank card feedback code, reserved mobile phone number, and device information (such as mobile phone number). Brand) mapping relationship.
进一步，区块链节点模块520即可以看做支付***500的一部分，也可以 是代表支付***500的整体的一个区块链的节点。通过区块链节点模块520从支付***500向手机名片***600发送银行卡反馈代码。具体地，支付***500本身或者区块链节点模块520、以及各个手机名片***600均作为联盟链的成员节点，联盟成员之间通过区块链的多中心的互信来达成共识。每个成员节点对应某个(或多个)手机品牌的手机名片***，并拥有各自的节点地址。Further, the blockchain node module 520 can be regarded as a part of the payment system 500, or can be a node of a blockchain representing the entire payment system 500. The bank card feedback code is sent from the payment system 500 to the mobile phone business card system 600 through the blockchain node module 520. Specifically, the payment system 500 itself or the block chain node module 520, and each mobile phone business card system 600 all serve as member nodes of the alliance chain, and the alliance members reach consensus through the multi-center mutual trust of the blockchain. Each member node corresponds to a mobile phone business card system of a certain (or multiple) mobile phone brands, and has its own node address.
区块链节点模块520根据设备信息将银行卡反馈代码发送到手机品牌对应的手机名片***的节点地址，并在联盟链上进行发送确认，所有链上节点予以确认后，完成发送。此时，银行卡反馈代码归属于某个节点(手机名片***600)得到共识，各节点均有记录。The blockchain node module 520 sends the bank card 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 confirms the sending on the alliance chain. After all the nodes on the chain confirm, the sending is completed. At this time, the bank card feedback code belongs to a certain node (mobile phone business card system 600) to obtain a consensus, and each node has a record.
手机名片***600获得银行卡反馈代码之后，使用非对称加密的方式，以银行卡反馈代码、自身公钥向支付***500请求获得银行卡信息，并附带签名数据。After the mobile phone business card system 600 obtains the bank card feedback code, it uses asymmetric encryption to request the bank card information from the payment system 500 with the bank card feedback code and its own public key, with signature data attached.
支付***500的银行卡信息***验证签名，使用手机名片***600的公钥对银行卡信息、预留手机号进行加密，附上自身公钥、及签名后返回给手机名片***600。The bank card information system of the payment system 500 verifies the signature, uses the public key of the mobile phone business card system 600 to encrypt the bank card information and the reserved mobile phone number, attaches its own public key and signs and returns it to the mobile phone business card system 600.
手机名片***600进行验签解密后，获得银行卡信息、预留手机号。手机名片***600匹配关联手机用户名片手机号、手机设备SIM***均与该预留手机号相同的用户。手机名片***600将银行卡信息与该用户名片进行绑定。绑定完成后，手机名片***600将绑定结果返回支付***500，支付***500再将结果返回到银行***。After the mobile phone business card system 600 performs signature verification and decryption, it obtains bank card information and reserves a mobile phone number. The mobile phone business card system 600 matches users whose mobile phone number and mobile device SIM card number of the associated mobile phone user are the same as the reserved mobile phone number. The mobile phone business card system 600 binds the bank card information with the user's business card. After the 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.
当用户使用手机设备打开(通讯录)我的名片，则使用手机名片***600发起二维码获取请求时，手机名片***600校验当前设备SIM***与预留手机号的一致性，并且在校验通过的情况下以该名片绑定的银行卡信息向支付***500请求付款二维码。When a user uses a mobile phone device to open (address book) my business card, and uses the mobile phone business card system 600 to initiate a two-dimensional code acquisition request, the mobile phone business card system 600 verifies the consistency of the current device SIM card number with the reserved mobile phone number, and is in school If the verification is passed, the bank card information bound to the business card is used to request a payment QR code from the payment system 500.
在二维码申码阶段，支付***500接收手机名片***600的银行卡信息以及预留手机号码，校验银行卡信息与预留手机号码的一致性，在校验成功的情况下，支付***500生成与该银行卡信息以及预留手机号码相对应的付款二维码并返回到手机名片***600。In the QR code application phase, the payment system 500 receives the bank card information of the mobile business card system 600 and the reserved mobile phone number, and verifies the consistency of the bank card information with the reserved mobile phone number. If the verification is successful, the payment system 500 generates a payment QR code corresponding to the bank card information and reserved mobile phone number and returns to the mobile phone business card system 600.
在承兑阶段，手机名片***600将该付款二维码推送给手机用户，在该手 机用户的设备上例如在通讯录“我的名片”中予以展示，商户扫描付款二维码，该付款二维码可供商户扫描。商户通过收单***向支付***500提供付款二维码，支付***500根据付款二维码与银行卡信息以及预留手机号码的对应关系获得对应的银行卡信息，由支付核心***510基于该银行卡信息完成承兑。In the acceptance phase, the mobile phone business card system 600 pushes the payment QR code to the mobile phone user, and displays it in the address book "My Business Card" on the mobile phone user’s device. The merchant scans the payment QR code and the payment QR code is displayed on the mobile phone user’s device. The code can be scanned by the merchant. The merchant provides the payment QR code to the payment system 500 through the acquiring system. The payment system 500 obtains the corresponding bank card information according to the corresponding relationship between the payment QR code and the bank card information and the reserved mobile phone number. The payment core system 510 bases the payment on the bank. Card information is accepted.
如上所述，根据本发明第三实施方式的基于手机名片的二维码支付方法以及于手机名片的二维码支付***，绑卡工作不需要用户下载客户端，不需要用户输入银行卡信息，大量减少用户操作时间，降低了绑卡门槛，提升使用意愿。As described above, according to the mobile phone business card-based QR code payment method and the mobile phone business card payment system of the QR code according to the third embodiment of the present invention, the card binding work does not require the user to download the client terminal and does not require the user to input bank card information. It greatly reduces user operation time, lowers the threshold for binding the card, and increases the willingness to use.
进一步，相较于传统二维码申码、承兑，根据本发明第三实施方式的基于手机名片的二维码支付方法无需下载手机客户端，降低对手机客户端的依赖，没有客户端亦能支付，能够减少二维码交易实施成本，提升实施效率。Further, compared with the traditional QR code application and acceptance, the QR code payment method based on the mobile phone business card according to the third embodiment of the present invention does not need to download the mobile client, which reduces the dependence on the mobile client, and can pay without a client. , Which can reduce the implementation cost of QR code transactions and improve implementation efficiency.
更进一步，根据本发明第三实施方式的基于手机名片的二维码支付方法以及于手机名片的二维码支付***，通过利用区块链技术，增加绑卡开通的安全性，建立手机名片***与支付***的互信，以及可追溯性与不可抵赖性，强化交易安全与风险防控。Furthermore, according to the mobile phone business card-based QR code payment method and the mobile phone business card payment system of the QR code according to the third embodiment of the present invention, by using blockchain technology, the security of binding card activation is increased, and a mobile phone business card system is established. Mutual trust with the payment system, as well as traceability and non-repudiation, strengthen transaction security and risk prevention and control.
再进一步，根据本发明第三实施方式的基于手机名片的二维码支付方法以及于手机名片的二维码支付***，通过手机名片、SIM手机号、银行预留手机号的比对校验等方式，无需传统客户端用户识别，避免了传统手机客户端因自身原因可能造成的***性风险。Furthermore, according to the mobile phone business card-based QR code payment method and the mobile phone business card QR code payment system according to the third embodiment of the present invention, the mobile phone business card, SIM mobile phone number, and bank reserved mobile phone number are compared and verified. In this way, there is no need for traditional client user identification, which avoids the systemic risks that may be caused by traditional mobile phone clients due to their own reasons.
第四实施方式第四实施方式的基于手机名片的二维码支付方法以及基于手机名片的二维码支付***与第四实施方式的区别在于，第四实施方式中支付核心***710不单独存在，而是使得支付***中的支付核心***本身具有Token管理能力并能执行第四实施方式中的支付核心***710的动作。Fourth Embodiment The difference between the mobile phone business card-based QR code payment method and the mobile phone business card-based QR code payment system of the fourth embodiment and the fourth embodiment is that the payment core system 710 does not exist separately in the fourth embodiment. Instead, the payment core system in the payment system has the Token management capability and can execute the actions of the payment core system 710 in the fourth embodiment.
虽然，在第四实施方式中虽然不单独设置Token***，但是主体流程也与图1所示的流程基本相同，这里省略说明。Although the Token system is not separately provided in the fourth embodiment, the main flow is basically the same as the flow shown in FIG. 1, and the description is omitted here.
图7是表示本发明的第四实施方式的基于手机名片的二维码支付***的构造框图。FIG. 7 is a block diagram showing the structure of a two-dimensional code payment system based on a mobile phone business card according to a fourth embodiment of the present invention.
如图7所示，本发明的第四实施方式的基于手机名片的二维码支付***包括：支付***700和手机名片***800。As shown in FIG. 7, the mobile phone business card-based QR code payment system according to the fourth embodiment of the present invention includes: a payment system 700 and a mobile phone business card system 800.
其中，支付***700包括：支付核心***710和区块链节点模块720。Among them, the payment system 700 includes: a payment core system 710 and a blockchain node module 720.
支付核心***710完成与支付相关的各项功能并且完成与Token的产生和管理相关的各项功能。区块链节点模块720基于区块链技术完成与手机名片***800之间的信息交互。The payment core system 710 completes various functions related to payment and completes various 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.
手机名片***800包括手机名片***A、手机名片***B、……手机名片***M的多个手机名片***。这些手机名片***可以按照设备信息进行分类，例如，按照手机品牌进行分类、按照手机运行主***类型的各种设备信息而设置多个。The mobile phone business card system 800 includes a mobile phone business card system A, a mobile phone business card system B, ... a plurality of mobile phone business card systems of the mobile phone business card system M. These mobile phone business card systems can be classified according to device information, for example, they can be classified according to mobile phone brands, and multiple devices can be set up according to various device information of the mobile phone operating main system type.
其中，支付核心***710用于接收来自银行***的绑定请求，其中所述绑定请求中包括银行卡信息、预留手机号码、设备信息等信息。这些绑定请求可以通过手机银行、网上银行、微信银行、银行柜面等向银行核心***提出，由银行核心***将用于开通手机名片二维码功能的请求发送给支付***。Wherein, the payment core system 710 is configured to receive a binding request from a banking system, where the binding request includes bank card information, reserved mobile phone number, device information, and other information. These binding requests can be submitted to the bank's core system through mobile banking, online banking, WeChat banking, bank counters, etc., and the bank's core system sends the request for opening the QR code function of the mobile phone business card to the payment system.
支付核心***710用于根据所述绑定请求生成对应的Token和TokenRefID并建立银行卡信息(例如银行***)、Token、TokenRefID、预留手机号码以及设备信息(例如手机品牌)的映射关系，文中将该映射关系称为第一映射表。The payment core system 710 is used to generate corresponding Token and TokenRefID according to the binding request and establish the mapping relationship of bank card information (such as bank card number), Token, TokenRefID, reserved mobile phone number, and device information (such as mobile phone brand). This mapping relationship is called the first mapping table.
进一步，区块链节点模块720即可以看做支付***700的一部分来作为区块链的一个节点，也可以是代表支付***700的整体来作为区块链的一个节点。通过区块链节点模块720从支付***700向手机名片***800发送TokenRefID。具体地，支付***700的区块链节点模块720、以及各个手机名片***800均作为联盟链的成员节点，联盟成员之间通过区块链的多中心的互信来达成共识。每区块链节点模块720根据设备信息将TokenRefID发送到手机品牌对应的手机名片***的节点地址，并在联盟链上进行发送确认，所有链上节点予以确认后，完成发送。此时，TokenRefID归属于某个节点(手机名片***800)得到共识，各节点均有记录。Further, the blockchain node module 720 can be regarded as a part of the payment system 700 as a node of the blockchain, or can represent the entire payment system 700 as a node of the blockchain. The TokenRefID is sent from the payment system 700 to the mobile phone business card system 800 through the blockchain node module 720. Specifically, the blockchain node module 720 of the payment system 700 and each mobile phone business card system 800 serve as the member nodes of the alliance chain, and the alliance members reach a consensus through the multi-center mutual trust of the blockchain. Each blockchain node 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 confirms the sending on the alliance chain. 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) to obtain a consensus, and each node has a record.
手机名片***800获得TokenRefID之后，使用非对称加密的方式，以TokenRefID、自身公钥向支付***700请求获得Token，并附带签名数据。After the mobile phone business card system 800 obtains the TokenRefID, it uses asymmetric encryption to request the payment system 700 to obtain the Token with the TokenRefID and its own public key, with signature data attached.
支付核心***710验证签名，使用手机名片***800的公钥对Token、银行预留手机号进行加密，附上自身公钥、及签名后返回给手机名片***800。The payment core system 710 verifies the signature, uses the public key of the mobile phone business card system 800 to encrypt the Token and the bank’s reserved mobile phone number, attaches its own public key and signs, and returns it to the mobile phone business card system 800.
手机名片***800进行验签解密后，获得Token、银行预留手机号。手机 名片***800匹配关联手机用户名片手机号、手机设备SIM***均与该银行预留手机号相同的用户。手机名片***800将Token与该用户名片进行绑定。绑定完成后，手机名片***800将绑定结果返回支付***700，支付***700再将结果返回到银行***。After the mobile phone business card system 800 performs signature verification and decryption, it obtains a Token and a mobile phone number reserved by the bank. The mobile phone business card system 800 matches users whose mobile phone number and mobile phone device SIM card number of the associated mobile phone user are the same as the mobile phone number reserved by the bank. The mobile phone business card system 800 binds the Token to the user's business card. After the 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.
当用户使用手机设备打开(通讯录)我的名片，则使用手机名片***800发起二维码获取请求时，手机名片***800校验当前设备SIM***与预留手机号的一致性，并且在校验通过的情况下以该名片绑定的Token向支付***700请求付款二维码。When a user uses a mobile phone device to open (address book) my business card, and uses the mobile phone business card system 800 to initiate a QR code acquisition request, the mobile phone business card system 800 verifies the consistency of the current device SIM card number with the reserved mobile phone number, and is in school If the verification is passed, the Token bound to the business card is used to request the payment system 700 for the payment QR code.
在二维码申码阶段，支付核心***710接收手机名片***发送来的Token以及预留手机号码，校验Token与预留手机号码的一致性，在校验成功的情况下，支付核心***710生成与该Token以及预留手机号码相对应的付款二维码并返回到手机名片***800。In the QR code application phase, the payment core system 710 receives the Token sent from the mobile phone business card system and the reserved mobile phone number, and verifies the consistency between the Token and the reserved mobile phone number. If the verification is successful, the payment core system 710 The payment QR code corresponding to the Token and the reserved mobile phone number is generated and returned to the mobile phone business card system 800.
那么，在承兑阶段，手机名片***800将该付款二维码推送给手机用户1、手机用户2、手机用户N中的一个手机用户，在该手机用户的设备上例如在通讯录“我的名片”中予以展示，商户扫描付款二维码，该付款二维码可供商户扫描。商户通过收单***向支付***700提供付款二维码，支付核心***710根据付款二维码与Token以及预留手机号码的对应关系获得对应的银行卡信息，由支付核心***710完成承兑。Then, in the acceptance stage, the mobile phone business card system 800 pushes the payment QR code to one of the mobile phone user 1, mobile phone user 2, and mobile phone user N. On the mobile phone user’s device, for example, in the address book "My Business Card" ”Is displayed, the merchant scans the payment QR code, and the payment QR code can be scanned by the merchant. The merchant provides the payment QR code to the payment system 700 through the acquiring system. The payment core system 710 obtains corresponding bank card information according to the corresponding relationship between the payment QR code, the Token and the reserved mobile phone number, and the payment core system 710 completes the acceptance.
如上所述，根据本发明第四实施方式的基于手机名片的二维码支付方法以及于手机名片的二维码支付***，相较于传统二维码绑卡开通，在保障安全的前提下，绑卡工作不需要用户下载客户端，不需要用户输入银行卡信息，大量减少用户操作时间，降低了绑卡门槛，提升使用意愿。As described above, the QR code payment method based on mobile phone business cards and the QR code payment system for mobile phone business cards according to the fourth embodiment of the present invention, compared with the traditional QR code binding card activation, under the premise of ensuring safety, The card binding work does not require users to download the client, and does not require users to input bank card information, which greatly reduces user operation time, lowers the threshold for binding the card, and increases the willingness to use.
进一步，相较于传统二维码申码、承兑，根据本发明第四实施方式的基于手机名片的二维码支付方法无需下载手机客户端，降低对手机客户端的依赖，没有客户端亦能支付，能够减少二维码交易实施成本，提升实施效率。Further, compared with the traditional QR code application and acceptance, the QR code payment method based on the mobile phone business card according to the fourth embodiment of the present invention does not need to download the mobile client, which reduces the dependence on the mobile client, and can pay without a client. , Which can reduce the implementation cost of QR code transactions and improve implementation efficiency.
更进一步，根据本发明第四实施方式的基于手机名片的二维码支付方法以及于手机名片的二维码支付***，通过利用区块链技术，增加绑卡开通的安全性，建立手机名片***与支付***的互信，以及可追溯性与不可抵赖性，强化交易安全与风险防控。Furthermore, according to the mobile phone business card-based QR code payment method and the mobile phone business card payment system of the QR code according to the fourth embodiment of the present invention, by using blockchain technology, the security of card binding activation is increased, and a mobile phone business card system is established. Mutual trust with the payment system, as well as traceability and non-repudiation, strengthen transaction security and risk prevention and control.
再进一步，根据本发明第四实施方式的基于手机名片的二维码支付方法以及于手机名片的二维码支付***，通过手机名片、SIM手机号、银行预留手机号的比对校验等方式，无需传统客户端用户识别，避免了传统手机客户端因自身原因可能造成的***性风险。Furthermore, according to the mobile phone business card-based QR code payment method and the mobile phone business card QR code payment system according to the fourth embodiment of the present invention, the mobile phone business card, SIM mobile phone number, and bank-reserved mobile phone number are compared and verified, etc. In this way, there is no need for traditional client user identification, which avoids the systemic risks that may be caused by traditional mobile phone clients due to their own reasons.
更进一步，根据本发明第四实施方式的基于手机名片的二维码支付方法以及于手机名片的二维码支付***，对于支付***来说，不需要单独设置Token***，只要使得支付核心***本身能够具备生产以及管理Token的能力即可。Furthermore, according to the mobile phone business card-based QR code payment method and the mobile phone business card QR code payment system according to the fourth embodiment of the present invention, for the payment system, there is no need to set up a Token system separately, as long as the payment core system itself It is enough to have the ability to produce and manage tokens.
以下，对于上述实施方式进行变形并简单描述变形例1～3。Hereinafter, the above-mentioned embodiment is modified and modified examples 1 to 3 are briefly described.
变形例1在第一实施方式～第四实施方式的基于手机名片的二维码支付方法以及基于手机名片的二维码支付***中，采用了区块链技术在支付***和手机名片***之间实现信息交互，作为变形方式，也可以是替代区块链技术，而是采用点对点的传输方式。这样，也能够保证数据的安全性。 Modification 1 In the first to fourth embodiments of the mobile phone business card-based QR code payment method and the mobile phone business card-based QR code payment system, blockchain technology is used between the payment system and the mobile phone business card system Realizing information interaction, as a variant, can also replace blockchain technology, but adopt a point-to-point transmission method. In this way, the security of the data can also be guaranteed.
变形例2在第一实施方式～第四实施方式的基于手机名片的二维码支付方法以及基于手机名片的二维码支付***中，在二维码承兑过程，展示二维码前，可以设置手机名片***对用户进行额外的辅助验证，例如指纹验证、人脸验证以及密码验证等。Modification 2 In the mobile phone business card-based QR code payment method of the first to fourth embodiments and the mobile phone business card-based QR code payment system, the QR code can be set before the QR code is displayed during the QR code acceptance process The mobile phone business card system performs additional auxiliary verification for users, such as fingerprint verification, face verification, and password verification.
变形例3在绑卡开通阶段，除了绑定银行卡信息、预留手机号、用户手机品牌之外，还可以增加辅助校验信息，例如姓名、身份证号码、地址等。Modification 3 In the opening phase of the tied card, in addition to binding bank card information, reserved mobile phone number, and user's mobile phone brand, auxiliary verification information, such as name, ID number, address, etc., can also be added.
由此，能够进一步提高支付的安全性。As a result, the security of payment can be further improved.
另外，在绑卡开通阶段，再进一步还能增加手机设备信息等其他安全要素与Token的绑定关系，由此，能够进一步提高支付的安全性，提供更多风控保障。In addition, in the opening phase of the card binding, the binding relationship between other security elements such as mobile phone device information and the Token can be further increased, which can further improve the security of payment and provide more risk control protection.
变形例4Modification 4
在以上实施方式中，在手机名片***获取银行卡信息的过程中，手机名片***使用非对称加密的方式，以银行卡反馈代码、自身公钥向支付***请求获得银行卡信息，并附带签名数据。支付***验证签名，使用手机名片***的公钥对银行卡信息、银行预留手机号码进行加密，附上自身公钥、及签名后返回给手机名片***。除了这种公钥交换方式以外，支付***与手机名片***之间也可以设置为以其他事前约定的形式开展。In the above embodiments, in the process of acquiring bank card information by the mobile phone business card system, the mobile phone business card system uses asymmetric encryption to request the payment system for the bank card information with the bank card feedback code and its own public key, with signature data attached. . The payment system verifies the signature, uses the public key of the mobile phone business card system to encrypt the bank card information and the bank’s reserved mobile phone number, attaches its own public key and signs and returns it to the mobile phone business card system. In addition to this public key exchange method, the payment system and the mobile phone business card system can also be set up in other pre-appointed forms.
本发明还提供一种计算机可读介质，其上存储有计算机程序，该计算机程序被处理器执行时实现上述的基于手机名片的二维码支付方法。The present invention also provides a computer-readable medium on which a computer program is stored, and when the computer program is executed by a processor, the above-mentioned two-dimensional code payment method based on a mobile phone business card is realized.
本发明还提供一种计算机设备，包括存储模块、处理器以及存储在存储模块上并可在处理器上运行的计算机程序，所述处理器执行所述计算机程序时实现上述的基于手机名片的二维码支付方法。The present invention also provides a computer device, including a storage module, a processor, and a computer program stored on the storage module and capable of running on the processor. When the processor executes the computer program, the above-mentioned two mobile phone business cards are implemented. Dimension code payment method.
以上例子主要说明了本发明的基于手机名片的二维码支付方法以及基于手机名片的二维码支付***。尽管只对其中一些本发明的具体实施方式进行了描述，但是本领域普通技术人员应当了解，本发明可以在不偏离其主旨与范围内以许多其他的形式实施。因此，所展示的例子与实施方式被视为示意性的而非限制性的，在不脱离如所附各权利要求所定义的本发明精神及范围的情况下，本发明可能涵盖各种的修改与替换。The above examples mainly illustrate the two-dimensional code payment method based on mobile phone business cards and the two-dimensional code payment system based on mobile phone business cards of the present invention. Although only some of the specific embodiments of the present invention have been described, those of ordinary skill in the art should understand that the present invention can be implemented in many other forms without departing from its spirit and scope. Therefore, the examples and implementations shown are regarded as illustrative rather than restrictive. The present invention may cover various modifications without departing from the spirit and scope of the present invention as defined by the appended claims. And replace.

Claims (34)

  1. 一种基于手机名片的二维码支付方法，由支付***以及手机名片***实现，其特征在于，包括下述步骤：A two-dimensional code payment method based on a mobile phone business card is implemented by a payment system and a mobile phone business card system, and is characterized in that it includes the following steps:
    二维码获取步骤，手机名片***向支付***发起二维码获取请求，其中，所述二维码获取请求中包含与手机名片绑定的账户信息，并且从支付***返回与该账户信息对应的付款二维码；以及In the two-dimensional code acquisition step, the mobile phone business card system initiates a two-dimensional code acquisition request to the payment system, where the two-dimensional code acquisition request includes account information bound to the mobile phone business card, and the payment system returns the corresponding account information Payment QR code; and
    二维码承兑步骤，手机名片***将获取的付款二维码推送给用户，基于该付款二维码完成基于对应的账户信息的支付承兑，In the QR code acceptance step, the mobile business card system pushes the obtained payment QR code to the user, and completes the payment acceptance based on the corresponding account information based on the payment QR code.
    其中，支付***中生成对应于账户信息的账号反馈代码并且同时建立账号反馈代码、账户信息、手机号码以及设备信息的第一映射表，手机名片***通过与支付***的交互，基于手机号码以及预先存储的表示手机号码与手机名片的对应关系的第二映射表来实现账户信息与手机名片的绑定。Among them, the payment system generates the account feedback code corresponding to the account information and establishes the first mapping table of the account feedback code, account information, mobile phone number, and device information at the same time. The mobile business card system interacts with the payment system based on the mobile phone number and advance The stored second mapping table representing the correspondence between the mobile phone number and the mobile phone business card realizes the binding of the account information and the mobile phone business card.
  2. 如权利要求1所述的基于手机名片的二维码支付方法，其特征在于，在所述二维码获取步骤之前包括：The method for payment of a two-dimensional code based on a mobile phone business card of claim 1, wherein before the step of obtaining the two-dimensional code comprises:
    请求接收步骤，支付***接收绑定请求，其中，所述绑定请求中包括账户信息、手机号码以及设备信息；In the request receiving step, the payment system receives a binding request, where the binding request includes account information, mobile phone number, and device information;
    映射建立步骤，支付***基于所述绑定请求生成对应于账户信息的账号反馈代码，同时建立账号反馈代码、账户信息、手机号码以及设备信息的第一映射表；In the mapping establishment step, the payment system generates an account feedback code corresponding to the account information based on the binding request, and at the same time establishes a first mapping table of the account feedback code, account information, mobile phone number, and device information;
    分发步骤，支付***将账号反馈代码按照所述设备信息发送到手机名片***；In the distribution step, the payment system sends the account feedback code to the mobile phone business card system according to the device information;
    账号获取步骤，手机名片***基于账号反馈代码向支付***请求账户信息，手机名片***从支付***获得与该账号反馈代码对应的账户信息和手机号码；以及In the account acquisition step, the mobile business card system requests account information from the payment system based on the account feedback code, and the mobile business card system obtains the account information and mobile phone number corresponding to the account feedback code from the payment system; and
    绑定步骤，手机名片***基于获得的手机号码与预先存储的表示手机号码与手机名片的对应关系的第二映射表进行匹配并实现账户信息与手机名片的绑定。In the binding step, the mobile phone business card system matches the obtained mobile phone number with a pre-stored second mapping table indicating the correspondence between the mobile phone number and the mobile phone business card, and realizes the binding of the account information and the mobile phone business card.
  3. 如权利要求2所述的基于手机名片的二维码支付方法，其特征在于，The two-dimensional code payment method based on mobile phone business cards as claimed in claim 2, characterized in that:
    在所述映射建立步骤中，支付***基于所述绑定请求生成对应于账户信息的Token作为所述账号反馈代码，并且生成与所述Token对应的Token反馈标识码， 同时在所述第一映射表中进一步建立账户信息、Token、Token反馈标识码、手机号码以及设备信息之间的对应关系；In the mapping establishment 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, and at the same time in the first mapping The table further establishes the correspondence between account information, Token, Token feedback identification code, mobile phone number and device information;
    在所述分发步骤中，支付***将Token反馈标识码按照所述设备信息发送到手机名片***，In the distribution step, the payment system sends the Token feedback identification code to the mobile phone business card system according to the device information,
    在所述账号获取步骤中，手机名片***基于Token反馈标识码向支付***请求Token，手机名片***从支付***获得与该Token反馈标识码对应的Token和手机号码，In the account acquisition step, the mobile phone business card system requests a Token from the payment system based on the Token feedback identification code, and the mobile business card system obtains the Token and the mobile phone number corresponding to the Token feedback identification code from the payment system.
    在所述绑定步骤中，基于第二映射表进行匹配并实现Token与手机名片的绑定。In the binding step, matching is performed based on the second mapping table and the binding of the Token and the mobile phone business card is realized.
  4. 如权利要求3所述的基于手机名片的二维码支付方法，其特征在于，The two-dimensional code payment method based on mobile phone business cards as claimed in claim 3, characterized in that,
    在所述分发步骤，支付***将Token反馈标识码通过点对点方式发送到手机名片***。In the distribution step, the payment system sends the Token feedback identification code to the mobile phone business card system in a point-to-point manner.
  5. 如权利要求3所述的基于手机名片的二维码支付方法，其特征在于，The two-dimensional code payment method based on mobile phone business cards as claimed in claim 3, characterized in that,
    在所述分发步骤，支付***将Token反馈标识码通过区块链方式发送到手机名片***。In the distribution step, the payment system sends the Token feedback identification code to the mobile phone business card system through the blockchain.
  6. 如权利要求3所述的基于手机名片的二维码支付方法，其特征在于，The two-dimensional code payment method based on mobile phone business cards as claimed in claim 3, characterized in that,
    在所述账号获取步骤包括下述子步骤：The account acquisition step includes the following sub-steps:
    手机名片***使用非对称加密方式以Token反馈标识码向支付***请求Token；The mobile phone business card system uses asymmetric encryption to request the Token from the payment system with the Token feedback identification code;
    支付***根据Token反馈标识码按照所述第一映射表的得到对应Token和手机号码并以非对称方式加密后返回到手机名片***；以及The payment system obtains the corresponding Token and mobile phone number according to the first mapping table according to the Token feedback identification code, encrypts them in an asymmetric manner, and returns to the mobile phone business card system; and
    手机名片***解密得到Token和手机号码。The mobile phone business card system decrypts to obtain the Token and mobile phone number.
  7. 如权利要求6所述的基于手机名片的二维码支付方法，其特征在于，The two-dimensional code payment method based on mobile phone business cards according to claim 6, characterized in that:
    在所述绑定步骤中包括下述子步骤：The binding step includes the following sub-steps:
    手机名片***将获得的手机号码与第二映射表进行匹配；The mobile phone business card system matches the obtained mobile phone number with the second mapping table;
    将与该手机号码匹配的手机名片与获得的Token进行绑定；以及Bind the mobile phone business card matching the mobile phone number with the obtained Token; and
    将绑定结果反馈到支付***。The binding result is fed back to the payment system.
  8. 如权利要求3所述的基于手机名片的二维码支付方法，其特征在于，The two-dimensional code payment method based on mobile phone business cards as claimed in claim 3, characterized in that,
    在所述二维码获取步骤包括下述子步骤：The step of acquiring the two-dimensional code includes the following sub-steps:
    手机名片***校验当前设备SIM***与手机号码的一致性；The mobile phone business card system verifies the consistency of the current device's SIM card number and mobile phone number;
    在通过校验的情况下以该手机名片绑定的Token和手机号码向支付***发起二维 码获取请求；以及In the case of passing the verification, initiate a QR code acquisition request to the payment system with the Token and mobile phone number bound to the mobile phone business card; and
    支付***基于所述二维码获取请求，校验Token与手机号码的一致性，并且在通过校验的情况下将与该Token对应的付款二维码返回手机名片***。The payment system verifies the consistency of the Token and the mobile phone number based on the two-dimensional code acquisition request, and returns the payment two-dimensional code corresponding to the Token to the mobile business card system if the verification is passed.
  9. 如权利要求3所述的基于手机名片的二维码支付方法，其特征在于，The two-dimensional code payment method based on mobile phone business cards as claimed in claim 3, characterized in that,
    在所述二维码承兑步骤中，在完成支付承兑之前进一步设置手机用户进行验证的辅助验证。In the two-dimensional code acceptance step, an auxiliary verification for the mobile phone user to verify is further set before the payment acceptance is completed.
  10. 如权利要求2所述的基于手机名片的二维码支付方法，其特征在于，The two-dimensional code payment method based on mobile phone business cards as claimed in claim 2, characterized in that:
    在所述映射建立步骤中，支付***基于所述绑定请求生成对应于账户信息的***编码作为所述账号反馈代码，并且生成对应于该***编码的***编码反馈代码，同时在所述第一映射表中进一步建立账户信息、***编码、***编码反馈代码、手机号码以及设备信息之间的对应关系，In the mapping establishment 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, and at the same time, in the first The mapping table further establishes the correspondence between account information, system code, system code feedback code, mobile phone number, and device information.
    在所述分发步骤中，支付***将***编码反馈代码按照所述设备信息发送到手机名片***，In the distribution step, the payment system sends the system encoding feedback code to the mobile phone business card system according to the device information,
    在所述账号获取步骤中，手机名片***基于***编码反馈代码向支付***请求***编码，手机名片***从支付***获得与该***编码反馈代码对应的***编码和手机号码，In the account acquisition step, the mobile business card system requests a system code from the payment system based on the system encoding feedback code, and the mobile business card system obtains the system code and mobile phone number corresponding to the system encoding feedback code from the payment system,
    在所述绑定步骤中，基于第二映射表进行匹配并是实现***编码与手机名片的绑定。In the binding step, matching is performed based on the second mapping table and the binding of the system code and the mobile phone business card is realized.
  11. 一种基于手机名片的二维码支付方法，其特征在于，包括下述步骤：A two-dimensional code payment method based on a mobile phone business card, which is characterized in that it comprises the following steps:
    二维码提供步骤，从外部接收二维码获取请求，其中，所述二维码获取请求中包含与手机名片绑定的账户信息和手机号码，其中，手机名片被基于手机号码与账户信息绑定，根据该账户信息和手机号码向外部提供付款二维码；以及The QR code providing step is to receive a request for obtaining a QR code from the outside, where the request for obtaining the QR code includes account information and a mobile phone number bound to the mobile phone business card, wherein the mobile phone business card is bound based on the mobile phone number and the account information According to the account information and mobile phone number, provide an external payment QR code; and
    二维码承兑步骤，从外部接收付款二维码，并且基于该付款二维码完成基于对应的账户信息的支付承兑，The QR code acceptance step is to receive the payment QR code from the outside, and complete the payment acceptance based on the corresponding account information based on the payment QR code,
    其中，被生成对应于账户信息的账号反馈代码并同时建立账户信息、账号反馈代码、手机号码以及设备信息的第一映射表。Wherein, the account feedback code corresponding to the account information is generated and the first mapping table of the account information, the account feedback code, the mobile phone number, and the device information is established at the same time.
  12. 如权利要求11所述的基于手机名片的二维码支付方法，其特征在于，在所述二维码提供步骤之前进一步包括：The two-dimensional code payment method based on mobile phone business cards according to claim 11, characterized in that, before the step of providing the two-dimensional code, it further comprises:
    请求接收步骤，接收绑定请求，其中，所述绑定请求中包括账户信息、手机号码、 设备信息；The request receiving step is to receive a binding request, where the binding request includes account information, mobile phone number, and device information;
    映射建立步骤，基于所述绑定请求生成对应于账户信息的账号反馈代码，同时建立账户信息、账号反馈代码、手机号码以及设备信息的所述第一映射表；A mapping establishment step, generating an account feedback code corresponding to account information based on the binding request, and at the same time establishing the first mapping table of account information, account feedback code, mobile phone number, and device information;
    分发步骤，将账号反馈代码按照所述设备信息发送到外部；以及In the distribution step, the account feedback code is sent to the outside according to the device information; and
    账号提供步骤，从外部接收基于账号反馈代码请求账户信息的请求，基于该请求查询与该账号反馈代码对应的账户信息和手机号码并发送到外部。The account providing step is to receive a request for account information based on the account feedback code from the outside, query the account information and mobile phone number corresponding to the account feedback code based on the request, and send it to the outside.
  13. 如权利要求12所述的基于手机名片的二维码支付方法，其特征在于，The two-dimensional code payment method based on mobile phone business cards as claimed in claim 12, characterized in that:
    在所述映射建立步骤中，基于所述绑定请求生成对应于账户信息的Token作为所述账号反馈代码，并且生成对应于该Token的Token反馈标识码，同时在所述第一映射表中进一步建立账户信息、Token、Token反馈标识码、手机号码以及设备信息之间的对应关系，In the mapping establishment step, a Token corresponding to account information is generated as the account feedback code based on the binding request, and a Token feedback identification code corresponding to the Token is generated, and at the same time, the first mapping table is further Establish the correspondence between account information, Token, Token feedback identification code, mobile phone number, and device information,
    在所述分发步骤中，将Token反馈标识码按照所述设备信息发送到外部，In the distribution step, the Token feedback identification code is sent to the outside according to the device information,
    在所述账号提供步骤中，从外部接收基于Token反馈标识码的请求账户信息的请求，基于该请求查询与该Token反馈标识码对应的Token和手机号码并发送到外部。In the account providing step, a request for account information based on the Token feedback identification code is received from the outside, and the Token and mobile phone number corresponding to the Token feedback identification code are inquired based on the request and sent to the outside.
  14. 如权利要求13所述的基于手机名片的二维码支付方法，其特征在于，The two-dimensional code payment method based on mobile phone business cards as claimed in claim 13, characterized in that:
    在所述分发步骤，将Token反馈标识码通过点对点方式发送到外部。In the distribution step, the Token feedback identification code is sent to the outside in a point-to-point manner.
  15. 如权利要求13所述的基于手机名片的二维码支付方法，其特征在于，The two-dimensional code payment method based on mobile phone business cards as claimed in claim 13, characterized in that:
    在所述分发步骤，将Token反馈标识码通过区块链方式发送到外部。In the distribution step, the Token feedback identification code is sent to the outside through the blockchain.
  16. 如权利要求15所述的基于手机名片的二维码支付方法，其特征在于，The two-dimensional code payment method based on mobile phone business cards as claimed in claim 15, characterized in that:
    在所述二维码承兑步骤中，在完成支付承兑之前进一步设置手机用户进行验证的辅助验证。In the two-dimensional code acceptance step, an auxiliary verification for the mobile phone user to verify is further set before the payment acceptance is completed.
  17. 一种基于手机名片的二维码支付***，其特征在于，包括：支付***和手机名片***，A two-dimensional code payment system based on mobile phone business cards, which is characterized by comprising: a payment system and a mobile phone business card system,
    其中，支付***包括：Among them, the payment system includes:
    用于执行与支付功能的支付核心***；Payment core system for execution and payment functions;
    用于产生和管理Token的Token***；Token system for generating and managing Token;
    用于作为区块链的节点实现与所述手机名片***的信息交互的区块链节点模块，所述手机名片***用于与所述支付***进行交互并基于Token实现手机名片的绑 定。A blockchain node module used as a node of the blockchain to realize information interaction with the mobile phone business card system. The mobile phone business card system is used to interact with the payment system and realize the binding of the mobile phone business card based on the Token.
  18. 如权利要求17所述的基于手机名片的二维码支付***，其特征在于，The two-dimensional code payment system based on mobile phone business cards as claimed in claim 17, characterized in that:
    所述支付核心***用于接收绑定请求，其中所述绑定请求中包括账户信息、手机号码以及设备信息，The payment core system is used to receive a binding request, where the binding request includes account information, mobile phone number, and device information,
    所述Token***用于根据所述绑定请求生成对应的Token以及与该Token对应的Token反馈标识码，并建立账户信息、Token、Token反馈标识码、手机号码以及设备信息的第一映射表，The Token system is used to generate a corresponding Token and a Token feedback identification code corresponding to the Token according to the binding request, and establish a first mapping table of account information, Token, Token feedback identification code, mobile phone number, and device information,
    所述区块链节点模块根据设备信息将Token反馈标识码发送到设备信息对应的手机名片***，The blockchain node module sends the Token feedback identification code to the mobile phone business card system corresponding to the device information according to the device information,
    所述手机名片***获得Token反馈标识码之后，基于所述Token反馈标识码向所述支付***请求获得Token，After the mobile phone business card system obtains the Token feedback identification code, it requests the payment system to obtain the Token based on the Token feedback identification code,
    所述Token***根据来自所述手机名片***的请求将对应的Token和手机号码返回所述手机名片***，The Token system returns the corresponding Token and mobile phone number to the mobile phone business card system according to the request from the mobile phone business card system,
    所述手机名片***基于获得Token和手机号码将Token与手机名片进行绑定。The mobile phone business card system binds the Token and the mobile phone business card based on obtaining the Token and the mobile phone number.
  19. 如权利要求18所述的基于手机名片的二维码支付***，其特征在于，The two-dimensional code payment system based on mobile phone business cards as claimed in claim 18, characterized in that,
    所述手机名片***用于基于与手机名片绑定的Token向所述支付***请求付款二维码，The mobile phone business card system is used to request a payment QR code from the payment system based on the Token bound to the mobile phone business card,
    所述支付核心***根据来自所述手机名片***的请求生成与该Token以及对应的付款二维码并返回到所述手机名片***。The payment core system generates the Token and the corresponding payment QR code according to the request from the mobile phone business card system and returns it to the mobile phone business card system.
  20. 如权利要求18所述的基于手机名片的二维码支付***，其特征在于，The two-dimensional code payment system based on mobile phone business cards as claimed in claim 18, characterized in that,
    所述手机名片***用于将付款二维码提供给用户，The mobile phone business card system is used to provide the payment QR code to the user,
    所述Token***根据付款二维码得到与该Token对应的账户信息，所述支付核心***用于基于所述账户信息完成承兑。The Token system obtains account information corresponding to the Token according to the payment QR code, and the payment core system is used to complete the acceptance based on the account information.
  21. 如权利要求18所述的基于手机名片的二维码支付***，其特征在于，The two-dimensional code payment system based on mobile phone business cards as claimed in claim 18, characterized in that,
    所述区块链节点模块将Token反馈标识码通过区块链方式发送到手机名片***。The block chain node module sends the Token feedback identification code to the mobile phone business card system through the block chain.
  22. 一种支付***，其特征在于，包括：A payment system, characterized in that it comprises:
    用于执行与支付功能的支付核心***；Payment core system for execution and payment functions;
    用于产生和管理Token的Token***；以及Token system for generating and managing Token; and
    用于作为区块链的节点实现与外部的信息交互的区块链节点模块。A blockchain node module used as a node of the blockchain to realize information interaction with the outside.
  23. 如权利要求22所述的支付***，其特征在于，The payment system of claim 22, wherein:
    所述支付核心***用于接收绑定请求，其中所述绑定请求中包括账户信息、手机号码以及设备信息，The payment core system is used to receive a binding request, where the binding request includes account information, mobile phone number, and device information,
    所述Token***用于根据所述绑定请求生成对应的Token和与该Token对应的Token反馈标识码，并建立账户信息、Token、Token反馈标识码、手机号码以及设备信息的第一映射表，The Token system is used to generate a corresponding Token and a Token feedback identification code corresponding to the Token according to the binding request, and establish a first mapping table of account information, Token, Token feedback identification code, mobile phone number, and device information,
    所述区块链节点模块根据设备信息将Token反馈标识码发送到外部的与设备信息对应的手机名片***，The blockchain node module sends the Token feedback identification code to the external mobile phone business card system corresponding to the device information according to the device information,
    所述手机名片***获得Token反馈标识码之后，基于所述Token反馈标识码向所述支付***请求获得Token，After the mobile phone business card system obtains the Token feedback identification code, it requests the payment system to obtain the Token based on the Token feedback identification code,
    所述Token***根据来自外部的手机名片***的基于所述Token反馈标识码而获得Token的请求将Token反馈标识码与对应的Token和手机号码返回到外部的手机名片***，其中，所述Token被与手机名片进行绑定。The Token system returns the Token feedback identification code and the corresponding Token and mobile phone number to the external mobile phone business card system according to a request from an external mobile phone business card system to obtain a Token based on the Token feedback identification code, wherein the Token is Binding with mobile phone business card.
  24. 如权利要求23所述的支付***，其特征在于，The payment system of claim 23, wherein:
    所述核心支付***根据来自外部的手机名片***的请求生成与该Token以及对应的付款二维码。The core payment system generates the Token and the corresponding payment QR code according to the request from the external mobile phone business card system.
  25. 一种基于手机名片的二维码支付***，其特征在于，包括：支付***和手机名片***，A two-dimensional code payment system based on mobile phone business cards, which is characterized by comprising: a payment system and a mobile phone business card system,
    其中，所述支付***包括：Wherein, the payment system includes:
    支付核心***，用于实现支付功能；Payment core system, used to realize payment functions;
    ***编码***，用于实现***编码的产生和管理；以及System coding system, used to realize the generation and management of system coding; and
    区块链节点模块，基于区块链技术完成与所述手机名片***之间的信息交互，所述手机名片***用于与所述支付***进行交互并且基于上述***编码绑定手机名片。The block chain node module completes the information interaction with the mobile phone business card system based on the block chain technology. The mobile phone business card system is used to interact with the payment system and bind the mobile phone business card based on the above system code.
  26. 如权利要求25所述的基于手机名片的二维码支付***，其特征在于，The two-dimensional code payment system based on mobile phone business cards as claimed in claim 25, characterized in that:
    所述支付核心***用于接收绑定请求，其中所述绑定请求中包括账户信息、手机号码以及设备信息，The payment core system is used to receive a binding request, where the binding request includes account information, mobile phone number, and device information,
    所述***编码***用于根据所述绑定请求生成对应的***编码和与该***编码对应的***编码反馈代码，并建立账户信息、***编码、***编码反馈代码、手 机号码以及设备信息的第一映射表，The system coding system is used to generate the corresponding system code and the system code feedback code corresponding to the system code according to the binding request, and establish the account information, system code, system code feedback code, mobile phone number, and device information. A mapping table,
    所述区块链节点模块根据设备信息将***编码反馈代码发送到所述设备信息对应的手机名片***，The blockchain node module sends the system encoding feedback code to the mobile phone business card system corresponding to the device information according to the device information,
    所述手机名片***获得***编码反馈代码之后，基于所述***编码反馈代码向所述支付***请求获得***编码，After the mobile phone business card system obtains the system code feedback code, it requests the payment system to obtain the system code based on the system code feedback code,
    所述***编码***根据来自所述手机名片***的请求将对应的***编码和手机号码返回所述手机名片***，The system encoding system returns the corresponding system code and mobile phone number to the mobile phone business card system according to the request from the mobile phone business card system,
    所述手机名片***基于获得***编码和手机号码将***编码与手机名片进行绑定。The mobile phone business card system binds the system code with the mobile phone business card based on obtaining the system code and the mobile phone number.
  27. 如权利要求26所述的基于手机名片的二维码支付***，其特征在于，The two-dimensional code payment system based on mobile phone business cards of claim 26, wherein:
    所述手机名片***用于基于与手机名片绑定的***编码向所述支付***请求付款二维码，The mobile phone business card system is used to request a payment QR code from the payment system based on the system code bound to the mobile phone business card,
    所述核心支付***根据来自所述手机名片***的请求生成与该***编码以及对应的付款二维码并返回到所述手机名片***。According to the request from the mobile phone business card system, the core payment system generates a system code and a corresponding payment QR code and returns it to the mobile phone business card system.
  28. 如权利要求26所述的基于手机名片的二维码支付***，其特征在于，The two-dimensional code payment system based on mobile phone business cards as claimed in claim 26, characterized in that:
    所述手机名片***用于将付款二维码提供给用户，The mobile phone business card system is used to provide the payment QR code to the user,
    所述***编码***根据付款二维码得到与该***编码对应的账户信息，所述支付核心***用于基于所述账户信息完成承兑。The system coding system obtains account information corresponding to the system code according to the payment QR code, and the payment core system is used to complete the acceptance based on the account information.
  29. 如权利要求26所述的基于手机名片的二维码支付***，其特征在于，The two-dimensional code payment system based on mobile phone business cards as claimed in claim 26, characterized in that:
    所述区块链节点模块将***编码反馈代码通过区块链方式发送到手机名片***。The block chain node module sends the system coding feedback code to the mobile phone business card system through the block chain.
  30. 一种支付***，其特征在于，包括：A payment system, characterized in that it comprises:
    支付核心***，用于实现支付功能；Payment core system, used to realize payment functions;
    ***编码***，用于实现***编码的产生和管理；以及System coding system, used to realize the generation and management of system coding; and
    区块链节点模块，基于区块链技术完成与外部的手机名片***之间的信息交互。The block chain node module is based on block chain technology to complete the information interaction with the external mobile phone business card system.
  31. 如权利要求30所述的支付***，其特征在于，The payment system of claim 30, wherein:
    所述支付核心***用于接收绑定请求，其中所述绑定请求中包括账户信息、手机号码以及设备信息，The payment core system is used to receive a binding request, where the binding request includes account information, mobile phone number, and device information,
    所述***编码***用于根据所述绑定请求生成对应的***编码和与该***编码对应的***编码反馈代码，并建立账户信息、***编码、***编码反馈代码、手 机号码以及设备信息的第一映射表，The system coding system is used to generate the corresponding system code and the system code feedback code corresponding to the system code according to the binding request, and establish the account information, system code, system code feedback code, mobile phone number, and device information. A mapping table,
    所述区块链节点模块根据设备信息将***编码反馈代码发送到所述设备信息对应的外部的手机名片***，The blockchain node module sends the system encoding feedback code to the external mobile phone business card system corresponding to the device information according to the device information,
    所述***编码***根据来自外部的手机名片***的请求将对应的***编码和手机号码返回到外部的手机名片***。The system coding system returns the corresponding system code and mobile phone number to the external mobile phone business card system according to the request from the external mobile phone business card system.
  32. 如权利要求31所述的支付***，其特征在于，The payment system according to claim 31, wherein:
    所述区块链节点模块将***编码反馈代码通过区块链方式发送到外部的手机名片***。The block chain node module sends the system coding feedback code to the external mobile phone business card system through the block chain.
  33. 一种计算机可读介质，其上存储有计算机程序，其特征在于，A computer-readable medium on which a computer program is stored, characterized in that:
    该计算机程序被处理器执行时实现权利要求1～14任意一项所述的基于手机名片的二维码支付方法。When the computer program is executed by the processor, the mobile phone business card-based QR code payment method according to any one of claims 1 to 14 is realized.
  34. 一种计算机设备，包括存储模块、处理器以及存储在存储模块上并可在处理器上运行的计算机程序，其特征在于，所述处理器执行所述计算机程序时实现权利要求1～14任意一项所述的基于手机名片的二维码支付方法。A computer device, comprising a storage module, a processor, and a computer program stored on the storage module and running on the processor, wherein the processor implements any one of claims 1 to 14 when the computer program is executed. The two-dimensional code payment method based on the mobile phone business card described in the item.
PCT/CN2020/107313 2020-01-23 2020-08-06 Qr code payment method and system employing mobile phone business card WO2021147296A1 (en)

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