TWI762778B - Payment system with common quick response matrix code - Google Patents

Abstract

A payment system for a common quick-response matrix code, comprising: a common quick-response matrix code and a payment application. The common quick response matrix image code is set on the vehicle, including the payment website, payment information, and the partition code between the payment website and the payment information. The partition code is used to terminate the payment website and instruct the payment information. The payment application is installed on the mobile communication device to scan the common quick response matrix code; if the payment application does not support decoding the payment URL, the payment application decodes and displays the payment information according to the instructions of the segment code.

Description

Payment system with common quick response matrix code

The present invention relates to a payment system for quick-response matrix map codes, and in particular, to a payment system for a common quick-response matrix map code.

With the development of mobile communication technology and digital finance, more and more people use mobile communication devices as a medium for consumption and payment (hereinafter referred to as "mobile payment"). The main application technologies of existing mobile payment are Near-field communication (NFC) and quick response code (Quick response code, QR code). NFC payment requires corresponding mobile communication devices and terminal devices, such as Apple The company's Apple Pay, Google's Android Pay, etc.; QR code is a two-dimensional barcode, QR code payment is not limited by the hardware and firmware of mobile communication devices, and has the characteristics of low cost and convenience, so countries are actively investing in QR code payment development of.

The data content of the QR code is usually the payment link URL and encoding parameters established by various operators. The QR code of each operator needs to be scanned and decoded using the corresponding application (APP). Development is limited. The establishment of a common QR code that can be decoded by different mobile payment providers' APPs as a payment tool can save the technical threshold and cost for financial institutions to develop QR code payment, and greatly improve the convenience of consumers and operators to use QR code payment.

However, the anti-counterfeiting and monitoring mechanism for QR code payment is not yet complete, and open-coded general-purpose QR codes are easily replaced or tampered with wrong URLs or data content, resulting in transaction risks such as fraud, theft, and data leakage. Furthermore, for instant consumption payment, consumers and operators can immediately deal with the situation where the payment amount does not match the receivable amount; in the post-transaction charge bill, the payment amount and the receivable amount must be consistent, if the two do not match, the account cannot be written off. , resulting in delays and dunning costs. Therefore, how to build a payment system that can be used by different mobile payment provider APPs using a common QR code, reduce payment costs and prevent transaction risks, is the main purpose of the present invention.

In order to achieve the above object, the present invention provides a payment system for a common QR code, including a common QR code and a payment application. The common QR code is set on the vehicle, including the payment website, payment information, and a segment code between the payment website and payment information. The segment code is used to terminate the payment website and instruct the payment information. The payment application is installed on the mobile communication device to scan the common QR code; if the payment application does not support decoding URL data, the payment application will decode and display the payment information according to the instructions of the segment code.

In one embodiment, the carrier is a payment slip or a display.

In one embodiment, the above-mentioned payment website is linked to the payment webpage of the payment proxy server.

In one embodiment, if the above-mentioned payment application supports decoding the above-mentioned payment website, the above-mentioned payment application does not decode the above-mentioned payment information and links to the above-mentioned payment webpage through the Internet to display the input fields of the payment item, the debit number and the payment amount. bit.

In one embodiment, when the payment proxy server receives the payment item, the debit number and the payment amount input by the user, the payment proxy server transmits the input payment item, the debit number and the payment amount. to the payment processing platform; after the payment processing platform confirms that the payment is completed, the payment completion message is transmitted to the payment proxy server; the payment proxy server displays the payment completion message on the payment page.

In one embodiment, the above-mentioned payment information includes an identification code, a payment item, an account cancellation number and a payment amount.

In one embodiment, when the user inputs the payment confirmation in the payment application, the payment application transmits the confirmed payment information to the verification platform pre-stored with the payment information.

In one embodiment, when the verification platform determines that the confirmed payment information matches the pre-stored payment information, the verification platform transmits the confirmed payment information to the payment processing platform.

In one embodiment, after the payment processing platform confirms that the payment is completed, the payment completion message is transmitted to the verification platform; the verification platform transmits the payment completion message to the payment application.

In one embodiment, when the verification platform determines that the confirmed payment information does not match the pre-stored payment information, the verification platform transmits a verification failure message to the payment application.

In the payment system of the common QR code of the present invention, the common QR code includes the payment website, segment code and payment information, which can be used for payment by different payment applications, which greatly reduces the introduction of charging agencies and collection agencies and the development of QR code payment systems. The payment information entered by the user is authenticated by the payment proxy server or the payment information of the common QR code is authenticated by the verification platform, which can effectively avoid the replacement or tampering of the QR code, improve the convenience of payment, and ensure the correctness and security of payment. .

The embodiments of the present invention will be described in more detail below with reference to the drawings and component symbols, so that those skilled in the art to which the present invention pertains can implement the present invention accordingly after studying the specification.

Figure 1 is a schematic diagram of the common QR code and payment application of the present invention. As shown in Figure 1, the common QR code 10 is set on the vehicle C, including the payment website, payment information, and a segment code between the payment website and payment information, where the segment code is used to terminate the payment website and instruct the payment information. The payment application 11 is loaded on the mobile communication device M for scanning the common QR code 10 .

The carrier C can be a payment slip made of various materials or a display connected to a computer device. The common QR code 10 can be printed on the payment slip or displayed on the display for the user to scan and decode with the payment application 11 . The common QR code 10 is coded according to the international QR code standard coding format. The payment URL is, for example, the payment webpage URL of a specific payment proxy server; the data field of the payment information is based on the standard definition jointly formulated by mobile payment operators, including but not limited to: common QR code identification code / charging agency identification code / common standard required data / encrypted data / mobile payment provider customized data.

The mobile communication device M can be a smart phone, tablet or notebook computer with the functions of photographing and wirelessly connecting to the Internet. Specific applications provided by mobile payment providers such as e-wallets, e-tickets, credit card organizations, and financial institutions that can support decoding the data in each field of payment data. The segment code includes the termination command at the end of the payment URL and the instruction command at the beginning of the payment data. The payment application that supports decoding the payment URL 11 After decoding the termination command of the segment code, it only executes the link to the decoded payment URL and discards the payment information. ; After the payment application program 11 that supports decoding payment information decodes the instruction command starting with the segment code, only the data of the payment information is decoded and displayed, and the payment URL is discarded.

FIG. 2 is a block diagram of a common QR code payment system according to an embodiment of the present invention. As shown in FIG. 2 , in this embodiment, the common QR code payment system 1 includes: a common QR code 10 , a payment application 11 , a payment proxy server 12 and a payment processing platform 13 . The common QR code 10 is printed on the payment slip C1; the payment application 11 is loaded on the smart phone M1, which can support decoding the website data, but does not support decoding the payment information; MASTER, American Express, etc.); the payment processing platform 13 is built by a financial information company.

When the user opens the payment application 11 and scans the common QR code 10, the payment application 11 decodes the URL data to the termination command of the segment code, discards the payment information, and links to the payment page of the payment proxy server 12 according to the decoded payment URL ;The payment page displays input fields such as the payment account or credit card number, payment items, debit number and payment amount. The payment information is sent to the payment processing platform 13; the payment processing platform 13 respectively transmits the payment information to the payment institution and the server of the charging institution (for example, banks and electronic wallet operators, not shown); the payment processing platform 13 transmits the payment after confirming that the payment is completed. The completion message is transmitted to the payment proxy server 12 ; the payment proxy server 12 displays the payment completion message on the payment page, and can simultaneously transmit the payment completion message to the payment application 11 to remind the user.

FIG. 3 is a block diagram of a common QR code payment system according to another embodiment of the present invention. As shown in FIG. 3, in this embodiment, the common QR code payment system 1' includes: a common QR code 10, a payment application 11', a verification platform 14, and a payment processing platform 13. The common QR code 10 is displayed on the display C2; the payment application 11' is loaded on the tablet computer M2, and stores the program and data for decoding the payment information, but does not support decoding the website data; the verification platform 14 and the payment processing platform 13 are built by a financial information company , the verification platform 14 pre-stores payment information corresponding to each common QR code 10 .

When the user opens the payment application 11' and scans the common QR code 10, the payment application 11' decodes the URL data to the termination and instruction commands of the segment code, discards the URL data, decodes the payment information according to the information corresponding to the payment data, and displays the It includes payment information such as the identification code of the charging institution, the payment item, the debit number, and the payment amount. After confirming that the payment information displayed in the payment application 11' is correct, the user can input the function key of the payment application 11' to confirm the payment. The program 11 ′ transmits the confirmed payment information to the verification platform 14 .

When the verification platform 14 determines that the confirmed payment information conforms to the pre-stored payment information, the verification platform 14 transmits the confirmed payment information to the payment processing platform 13; the payment processing platform 13 transmits the payment information to the payment institution and the server of the charging institution respectively ( After confirming that the payment is completed, the payment processing platform 13 transmits a payment completion message to the verification platform 14; the verification platform 14 transmits the payment completion message to the payment application 11' to remind the user.

When the verification platform 14 determines that the confirmed payment information does not conform to the pre-stored payment information, such as but not limited to the identification code of the charging institution, the payment item, the debit number or the payment amount, the verification platform 14 fails to transmit the verification. A message is sent to the payment application 11' to prompt the user to confirm the authenticity of the common QR code 10.

To sum up, in the payment system of the present invention, the common QR code includes the payment website, segment code and payment information, which can be used for payment by different payment applications, which greatly reduces the cost of introducing and developing the system for charging agencies and collection agencies , through the proxy server to authenticate the payment information input by the user or the verification platform to authenticate the payment information of the common QR code, which can effectively prevent the QR code from being replaced or tampered with, improve the convenience of payment, and ensure the correctness and security of payment.

The above-mentioned embodiments merely illustrate the principles and effects of the present invention, but are not intended to limit the present invention. Any person skilled in the art can modify and change the above embodiments without departing from the spirit and scope of the present invention. Therefore, all equivalent modifications or changes made without departing from the spirit and technical principles disclosed in the present invention should still be covered by the scope of the patent application of the present invention, for those with professional knowledge in the technical field.

1,1’: Common QR code payment system 10: Common QR code 11,11’: Payment App 12: Payment proxy server 13: Payment Processing Platform 14: Verification Platform C: vehicle C1: Bill of Payment C2: Display M: vehicle M1: Smartphone M2: Tablet PC

Figure 1 is a schematic diagram of the common QR code and payment application of the present invention; Fig. 2 is a block diagram of a payment system according to an embodiment of the common QR code of the present invention; and FIG. 3 is a block diagram of a common QR code payment system according to another embodiment of the present invention.

1’: Common QR code payment system

10: Common QR code

11’: Payment App

13: Payment Processing Platform

14: Verification Platform

C2: Display

M2: Tablet PC

Claims (4)

A payment system with a common quick response matrix code, comprising: a verification platform, which pre-stores payment information including the identification code of the charging institution, payment items, account write-off number and payment amount; the common quick response matrix code is based on the international quick response matrix The standard coding format code of the image code, which is set on the vehicle, includes the payment website, the payment information and the segment code between the payment website and the payment information, wherein the payment website is linked to the payment page of the payment proxy server. , the segment code includes the termination instruction to end the payment site and the instruction instruction to start the payment information, the termination instruction of the payment site to terminate the payment site, the instruction instruction of the payment information to indicate the payment information; and the payment application a program loaded on the mobile communication device to scan the common quick response matrix code; if the payment application supports decoding the payment URL, the payment application does not decode the payment information and links to the payment webpage through the Internet, to display the input fields of the payment item, the debit number and the payment amount; if the payment application supports decoding the payment information, the payment application will decode and display the payment information according to the instructions of the segment code; The payment application input confirms payment, and the payment application transmits the confirmed payment information to the verification platform; the verification platform judges that the confirmed payment information conforms to the pre-stored payment information, and the verification platform transmits the confirmed payment information. The payment information is sent to the payment processing platform; after the payment processing platform confirms that the payment is completed, the payment completion message is transmitted to the verification platform; the verification platform transmits the payment completion message to the payment application. The payment system with a common quick response matrix code as described in Item 1 of the scope of the patent application, wherein the vehicle is a payment slip or a display. For the payment system with a common quick response matrix code as described in Item 1 of the scope of application, when the payment proxy server receives the payment item, the debit number and the payment amount input by the user, The payment proxy server transmits the inputted payment item, the debit number and the payment amount to the payment processing platform; after the payment processing platform confirms that the payment is completed, it transmits a payment completion message to the payment proxy server; the payment proxy The server displays the payment completion message on the payment page. For the payment system with a common quick response matrix code as described in Item 1 of the scope of application, when the verification platform determines that the confirmed payment information does not match the pre-stored payment information, the verification platform transmits a verification failure message to the payment application program.

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