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WO2020113400A1 - Procédé, appareil et dispositif de paiement mobile - Google Patents

Procédé, appareil et dispositif de paiement mobile Download PDF

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Publication number
WO2020113400A1
WO2020113400A1 PCT/CN2018/119059 CN2018119059W WO2020113400A1 WO 2020113400 A1 WO2020113400 A1 WO 2020113400A1 CN 2018119059 W CN2018119059 W CN 2018119059W WO 2020113400 A1 WO2020113400 A1 WO 2020113400A1
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WO
WIPO (PCT)
Prior art keywords
payment
amount
type
account
collection
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Ceased
Application number
PCT/CN2018/119059
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English (en)
Chinese (zh)
Inventor
唐维
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Matrix Tech Pte Ltd
Original Assignee
Matrix Tech Pte Ltd
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Matrix Tech Pte Ltd filed Critical Matrix Tech Pte Ltd
Priority to PCT/CN2018/119059 priority Critical patent/WO2020113400A1/fr
Priority to CN201880099859.9A priority patent/CN113168628A/zh
Publication of WO2020113400A1 publication Critical patent/WO2020113400A1/fr
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

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    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists

Definitions

  • This application relates to the field of payment technology, for example, to a mobile payment method, device, and equipment.
  • the application of mobile payment methods is becoming more and more extensive. For example, when a user purchases a product, the user can show the payment code to the merchant, and the product scans the payment code through the payment terminal (such as a POS machine, etc.) Realize mobile payment.
  • the payment terminal such as a POS machine, etc.
  • Embodiments of the present disclosure provide a mobile payment method, device, and equipment, which improve the versatility of mobile payment.
  • an embodiment of the present disclosure provides a mobile payment method including:
  • the payment code includes the payment account number and the payment type of the payment account, and the payment type and/or the payment type of the payment account is a digital certificate type;
  • the payment system is requested to make a payment.
  • the requesting the payment system to make a payment according to the payment account number, the payment type, the collection account number, and the collection type includes:
  • the first amount being the amount of the payment type to be paid by the payment account to the collection account, or the first amount being the payment account to be collected by the collection account The amount of the said collection type;
  • the first amount is the amount of the payment type to be paid by the payment account to the collection account; the obtaining the first amount includes:
  • the first amount is the amount of the collection type of the payment account to be collected by the collection account; the obtaining the first amount includes:
  • the performing mobile payment according to the first amount, the payment account number, the payment type, the collection account number, and the collection type includes:
  • the payment system is requested to make a payment.
  • the requesting the payment system to make a payment based on the first amount, the payment account, and the collection account includes:
  • the first amount is an amount of the payment type; the amount type according to the first amount, the first amount, the payment account number, and the collection account number , Requesting payment from the payment system, including:
  • Sending a second payment request to the payment system where the second payment request includes the first amount, the second amount, the payment account number, and the collection account number, and the second payment request is used for Instructing the payment system to deduct the first amount of money from the payment account and deposit the second amount of money into the collection account.
  • the first amount is an amount of the collection type; the payment type according to the first amount, the first amount, the payment account number, and the collection Account number, requesting payment by the payment system, including:
  • the third payment request includes the first amount, the third amount, the payment account number, and the collection account number
  • the third payment request is used to Instructing the payment system to deduct the third amount of money from the payment account and deposit the first amount of money into the collection account.
  • the payment code is the payment terminal according to the payment account, The payment type and the first amount are generated.
  • the payment code is the payment terminal according to the payment The account number and the payment type are generated.
  • an embodiment of the present disclosure provides a mobile payment device, including a scanning module and a payment module;
  • the scanning module is configured to scan a payment code, where the payment code includes a payment account number and a payment type of the payment account number, and the payment type and/or payment type of the payment account number is a digital certificate type;
  • the payment module is configured to request a payment system to make a payment based on the payment account number, the payment type, the collection account number, and the collection type.
  • the device includes an acquisition module
  • the acquisition module is configured to acquire a first amount, the first amount is the amount of the payment type to be paid to the collection account by the payment account, or the first amount is the collection account The amount of the collection type of the payment account to be collected;
  • the payment module is configured to perform mobile payment based on the first amount, the payment account number, the payment type, the collection account number, and the collection type.
  • the first amount is the amount of the payment type to be paid by the payment account to the collection account
  • the obtaining module is configured to obtain the first amount in the payment code.
  • the first amount is the amount of the collection type of the collection account to be collected by the collection account
  • the acquisition module is configured to receive the first amount entered by the user in the payment terminal.
  • the payment module is configured to:
  • the payment system is requested to make a payment.
  • the payment module is configured to:
  • the first amount is an amount of the payment type; the payment module is configured to:
  • Sending a second payment request to the payment system where the second payment request includes the first amount, the second amount, the payment account number, and the collection account number, and the second payment request is used for Instructing the payment system to deduct the first amount of money from the payment account and deposit the second amount of money into the collection account.
  • the first amount is an amount of the collection type; the payment module is configured to:
  • the third payment request includes the first amount, the third amount, the payment account number, and the collection account number
  • the third payment request is used to Instructing the payment system to deduct the third amount of money from the payment account and deposit the first amount of money into the collection account.
  • the payment code is the payment terminal according to the payment account, The payment type and the first amount are generated.
  • the payment code is the payment terminal according to the payment The account number and the payment type are generated.
  • an embodiment of the present disclosure provides a computer, characterized by comprising the device according to any one of the second aspect.
  • an electronic device which includes:
  • At least one processor At least one processor
  • a memory communicatively connected to the at least one processor; wherein,
  • the memory stores instructions executable by the at least one processor, and when the instructions are executed by the at least one processor, causes the at least one processor to perform the method of any one of the first aspects.
  • an embodiment of the present disclosure provides a computer-readable storage medium, characterized in that computer-executable instructions are stored, and the computer-executable instructions are configured to perform the method according to any one of the first aspects.
  • an embodiment of the present disclosure provides a computer program product, characterized in that the computer program product includes a computer program stored on a computer-readable storage medium, and the computer program includes program instructions, when the program instructions When executed by a computer, the computer is caused to perform the method of any one of the first aspects.
  • the payment terminal when performing mobile payment, may generate a payment code, and the payment code includes the payment account and the payment type of the payment account, the payment type and/or the collection account Payment type digital voucher type, and the payment terminal scans the payment code to obtain the payment account and the payment type of the payment account.
  • the payment terminal can request the payment system to pay based on the payment account, payment type, collection account and collection type .
  • at least one of the digital voucher type of the payment type and the collection type can realize the mobile payment of the digital voucher through the above method, which improves the versatility of the mobile payment method.
  • FIG. 1 is a system architecture diagram of a mobile payment provided by an embodiment of the present disclosure
  • FIG. 2 is a schematic flowchart of a mobile payment method provided by an embodiment of the present disclosure
  • FIG. 3 is a schematic flowchart of another mobile payment method provided by an embodiment of the present disclosure.
  • FIG. 4 is a schematic structural diagram of a mobile payment device according to an embodiment of the present disclosure.
  • FIG. 5 is a schematic structural diagram of a mobile payment device according to an embodiment of the present disclosure.
  • FIG. 6 is a schematic structural diagram of an electronic device provided by an embodiment of the present disclosure.
  • FIG. 1 is a system architecture diagram of mobile payment provided by an embodiment of the present disclosure. Please refer to FIG. 1, which includes a payment terminal 101, a payment terminal 102 and a payment system 103.
  • the payment terminal 101 may be a mobile phone, a computer, and other devices.
  • the payment terminal is bound to a payment account, and the payment terminal 101 can generate a payment code corresponding to the payment account according to the actual transaction.
  • the payment type supported by the payment account can be a digital certificate type.
  • the payment terminal 102 may be a POS machine, mobile phone, computer, or other devices.
  • the payment terminal is bound to the payment account, and the payment terminal 102 can scan the payment code and send a payment request to the payment system 103 to request the payment system to pay the corresponding payment to the payment account.
  • the collection type supported by the collection account can be a digital certificate type.
  • the payment system 103 may receive the payment request, and deduct the payment account and pay the payment account according to the payment request.
  • the payment terminal may generate a payment code, which includes the payment account number and the payment type of the payment account, the payment type and/or the payment type of the payment account, and the digital voucher type.
  • the payment terminal scans the payment code to obtain the payment account and the payment type of the payment account.
  • the collection terminal can request the payment system to make a payment based on the payment account, payment type, collection account, and payment type.
  • at least one of the digital voucher type of the payment type and the collection type can realize the mobile payment of the digital voucher through the above method, which improves the universality of the mobile payment method.
  • FIG. 2 is a schematic flowchart of a mobile payment method according to an embodiment of the present disclosure. Please refer to FIG. 2, the method may include:
  • the execution subject of the embodiment of the present disclosure may be a payment terminal or a mobile payment device provided in the payment terminal.
  • the payment code is generated for the payment terminal.
  • the payment terminal may generate the payment code through at least the following two feasible implementation methods:
  • the first feasible implementation method :
  • the payment terminal is generated according to the payment account and the payment type of the payment account.
  • a payment application may be installed in the payment terminal, and the payment application has a binding relationship with the payment account.
  • the payment terminal obtains the payment account number and payment type bound to the payment application, and generates a payment code according to the account number and payment type.
  • the user when the payment application is bound to two or more payment accounts, the user can set a default payment account, and the payment terminal device can generate a payment code according to the default payment account and the corresponding payment type, Alternatively, the user may select a payment account, and accordingly, the payment terminal may generate a payment code according to the payment account selected by the user and the corresponding payment type.
  • the payment code includes the payment account number and payment type, and the payment code does not include the payment amount.
  • the payment terminal is generated according to the payment amount (the amount deducted from the payment account), the payment account, and the payment type of the payment account.
  • the payment amount may be entered by the user in the payment terminal.
  • a payment application may be installed in the payment terminal, and the payment application has a binding relationship with the payment account. After opening the payment application in the payment terminal, the user can enter the payment amount in the payment application, and the payment terminal generates a payment code according to the received payment amount, the payment account bound to the payment application, and the payment type.
  • the user when the payment application is bound to two or more payment accounts, the user can set a default payment account, and the payment terminal device can be generated according to the default payment account, the corresponding payment type, and the payment amount
  • the payment code or, the user may select the payment account, and accordingly, the payment terminal device may generate the payment code according to the payment account selected by the user, the corresponding payment type, and the payment amount.
  • the payment code includes the payment account number, payment type, and payment amount.
  • the payment terminal may also generate payment codes through other feasible implementation methods, which is not limited in the embodiments of the present disclosure.
  • a camera device may be provided in the payment terminal, and the payment terminal may scan the payment code through the camera device.
  • the payment terminal may identify the payment code to obtain information such as the payment account number and payment type.
  • the payment terminal may identify the payment code to obtain information such as the payment account number and payment type.
  • the collection terminal is also bound with a collection account.
  • the collection terminal can obtain the collection account number, the collection type of the collection account, and request the payment system to pay according to the payment account number, payment type, collection account number, and collection type.
  • the collection terminal can also obtain the first amount, and request the payment system to pay according to the first amount, payment account number, payment type, collection account, and collection type.
  • the first amount may be the amount of the payment type to be paid by the payment account to the collection account, or the first amount may be the amount of the payment type to be collected by the payment account.
  • the first amount when the first amount is the amount of the payment type to be paid by the payment account to the collection account, the first amount can be obtained in the payment code.
  • the first amount when the first amount is the amount of the collection type of the payment account to be collected by the collection account, the first amount may be entered by the user in the collection terminal.
  • the payment system may include a digital certificate server, a payment application server, and so on.
  • the payment terminal when performing mobile payment, may generate a payment code, and the payment code includes the payment account and the payment type of the payment account, the payment type and/or the payment type digital certificate of the payment account Type, and the payment terminal scans the payment code to obtain the payment account and the payment type of the payment account.
  • the payment terminal can request the payment system to pay based on the payment account, payment type, collection account, and payment type.
  • at least one of the digital voucher type of the payment type and the collection type can realize the mobile payment of the digital voucher through the above method, which improves the versatility of the mobile payment method.
  • FIG. 3 is a schematic flowchart of another mobile payment method according to an embodiment of the present disclosure. Please refer to FIG. 3, the method may include:
  • execution process of S301 can be referred to the execution process of S201, and will not be repeated here.
  • the payment code In the process of scanning the payment code at the payment terminal, the payment code can be parsed to obtain the payment account number and payment type.
  • the collection terminal presets the collection account number and the type of the collection account number.
  • the payment terminal parses the payment code, it may be determined whether the payment code includes the payment amount.
  • the payment amount is determined as the first amount.
  • the payment amount entered by the user in the collection terminal is obtained, and the payment amount is determined as the first amount.
  • the payment account number and the collection account number request the payment system to make a payment.
  • the payment terminal may send a first payment request to the payment system, where the first payment request includes the first amount, the payment account number, and the collection account number.
  • the first payment request message is used to instruct the payment system to deduct the payment amount from the payment account. One amount of money, and deposit the first amount of money to the collection account.
  • the payment system may deduct the first amount of money from the payment account and deposit the first amount of money into the collection account.
  • the payment type of the first amount includes a payment type and a payment type.
  • the type of the first amount is the payment type.
  • the type of the first amount is the type of collection.
  • the payment type of the first amount is the payment type
  • the second amount of the payment type can be determined according to the first amount, payment type, and payment type; a second payment request is sent to the payment system, and the second payment request includes the first amount, The second amount, the payment account number and the collection account number. The second payment request is used to instruct the payment system to deduct the first amount of money from the payment account number and deposit the second amount of money into the collection account number.
  • the first amount of the payment type and the second amount of the collection type are of equal value.
  • the payment system After the payment system receives the second payment request, the payment system deducts the first amount of money from the payment account and deposits the second amount of money into the collection account.
  • the payment system deducts the payment type from the payment account.
  • the payment system deposits the payment type in the collection account.
  • the type of the first amount of payment is the type of collection
  • the third amount of the payment type can be determined according to the first amount, payment type, and collection type; a third payment request is sent to the payment system, and the third payment request includes the first amount, the first The three amounts, the payment account number and the collection account number.
  • the third payment request is used to instruct the payment system to deduct the third amount of money from the payment account number and deposit the first amount of money into the collection account number.
  • the first amount of the payment type and the third amount of the payment type are equivalent.
  • the payment system After the payment system receives the third payment request, the payment system deducts the third amount of money from the payment account and deposits the first amount of money into the collection account.
  • the payment system deducts the payment type from the payment account.
  • the payment system deposits the payment type in the collection account.
  • the payment terminal when performing mobile payment, may generate a payment code, which includes the payment account and the payment type of the payment account, the payment type and/or the payment type digital certificate of the payment account Type, and the payment terminal scans the payment code to obtain the payment account and the payment type of the payment account.
  • the payment terminal can request the payment system to pay according to the payment account, payment type, collection account and collection type.
  • at least one of the digital voucher type of the payment type and the collection type can realize the mobile payment of the digital voucher through the above method, which improves the versatility of the mobile payment method.
  • the mobile payment device 10 may include a scanning module 11 and a payment module 12;
  • the scanning module 11 is configured to scan a payment code, where the payment code includes a payment account number and a payment type of the payment account number, and the payment type and/or collection type of the collection account is a digital certificate type;
  • the payment module 12 is configured to request the payment system to make a payment based on the payment account number, the payment type, the collection account number, and the collection type.
  • the mobile payment device provided by the embodiments of the present disclosure can execute the technical solutions shown in the above method embodiments, and its implementation principles and beneficial effects are similar, which will not be repeated here.
  • the mobile payment device 10 further includes an acquisition module 13,
  • the obtaining module 13 is configured to obtain a first amount, the first amount is the amount of the payment type to be paid by the payment account to the collection account, or the first amount is the collection The account is to be charged the amount of the collection type of the payment account;
  • the payment module 12 is configured to perform mobile payment based on the first amount, the payment account number, the payment type, the collection account number, and the collection type.
  • the first amount is the amount of the payment type to be paid by the payment account to the collection account
  • the obtaining module 13 is configured to obtain the first amount in the payment code.
  • the first amount is the amount of the collection type of the collection account to be collected by the collection account
  • the obtaining module 13 is configured to receive the first amount entered by the user in the payment terminal.
  • the payment module 12 is configured to:
  • the payment system is requested to make a payment.
  • the payment module 12 is configured to:
  • the first amount is an amount of the payment type; the payment module 12 is configured to:
  • Sending a second payment request to the payment system where the second payment request includes the first amount, the second amount, the payment account number, and the collection account number, and the second payment request is used for Instructing the payment system to deduct the first amount of money from the payment account and deposit the second amount of money into the collection account.
  • the first amount is an amount of the collection type; the payment module 12 is configured to:
  • the third payment request includes the first amount, the third amount, the payment account number, and the collection account number
  • the third payment request is used to Instructing the payment system to deduct the third amount of money from the payment account and deposit the first amount of money into the collection account.
  • the payment code is the payment terminal according to the payment account, The payment type and the first amount are generated.
  • the payment code is the payment terminal according to the payment The account number and the payment type are generated.
  • the mobile payment device provided by the embodiments of the present disclosure can execute the technical solutions shown in the above method embodiments, and its implementation principles and beneficial effects are similar, which will not be repeated here.
  • An embodiment of the present disclosure also provides a computer, including the above mobile payment device.
  • An embodiment of the present disclosure also provides a computer-readable storage medium that stores computer-executable instructions that are configured to execute the mobile payment method described above.
  • An embodiment of the present disclosure also provides a computer program product.
  • the computer program product includes a computer program stored on a computer-readable storage medium.
  • the computer program includes program instructions. When the program instructions are executed by a computer, the The computer executes the above mobile payment method.
  • the aforementioned computer-readable storage medium may be a transient computer-readable storage medium or a non-transitory computer-readable storage medium.
  • the electronic device 20 includes:
  • At least one processor (processor) 21, one processor 21 is taken as an example in FIG. 6; and the memory (memory) 22 may further include a communication interface (Communication) 23 and a bus 24. Among them, the processor 21, the communication interface 23, and the memory 22 can communicate with each other through the bus 24. The communication interface 24 can be used for information transmission.
  • the processor 21 may call logic instructions in the memory 22 to execute the mobile payment method of the above embodiment.
  • logic instructions in the above-mentioned memory 22 may be implemented in the form of software functional units and sold or used as an independent product, and may be stored in a computer-readable storage medium.
  • the memory 22 is a computer-readable storage medium and can be used to store software programs and computer-executable programs, such as program instructions/modules corresponding to the methods in the embodiments of the present disclosure.
  • the processor 21 executes functional applications and data processing by running software programs, instructions, and modules stored in the memory 22, that is, implementing the mobile payment method in the foregoing method embodiments.
  • the memory 22 may include a storage program area and a storage data area, where the storage program area may store an operating system and application programs required for at least one function; the storage data area may store data created according to the use of a terminal device and the like.
  • the memory 22 may include a high-speed random access memory, and may also include a non-volatile memory.
  • the technical solutions of the embodiments of the present disclosure may be embodied in the form of software products, which are stored in a storage medium and include one or more instructions to make a computer device (which may be a personal computer, server, or network) Equipment, etc.) to perform all or part of the steps of the method described in the embodiments of the present disclosure.
  • the aforementioned storage medium may be a non-transitory storage medium, including: U disk, mobile hard disk, read-only memory (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), magnetic disk or optical disk, etc.
  • a medium that can store program codes may also be a transient storage medium.
  • the digital certificate involved in this application may be a digital currency, and the digital currency may be an encrypted currency such as Bitcoin.
  • first, second, etc. may be used in this application to describe various elements, these elements should not be limited by these terms. These terms are only used to distinguish one element from another.
  • the first element can be called the second element, and likewise, the second element can be called the first element, as long as all occurrences of the "first element” are consistently renamed and all occurrences of The “second component” can be renamed consistently.
  • the first element and the second element are both elements, but they may not be the same element.
  • the various aspects, implementations, implementations or features in the described embodiments can be used alone or in any combination.
  • Various aspects in the described embodiments may be implemented by software, hardware, or a combination of software and hardware.
  • the described embodiments may also be embodied by a computer-readable medium that stores computer-readable code including instructions executable by at least one computing device.
  • the computer-readable medium can be associated with any data storage device capable of storing data, which can be read by a computer system.
  • Computer-readable media used for examples may include read-only memory, random access memory, CD-ROM, HDD, DVD, magnetic tape, optical data storage devices, and the like.
  • the computer-readable medium may also be distributed in computer systems connected through a network, so that computer-readable codes can be stored and executed in a distributed manner.

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Abstract

La présente invention concerne un procédé, un appareil et un dispositif de paiement mobile, le procédé consistant : à balayer un code de paiement, le code de paiement comprenant un compte de paiement et un type de paiement du compte de paiement, le type de paiement et/ou un type de réception d'un compte de réception étant un type de certificat numérique (S201); et, sur la base du compte de paiement, du type de paiement, du compte de réception et du type de réception, à demander à un système de paiement de mettre en œuvre un paiement (S202). L'universalité du paiement mobile est ainsi augmentée.
PCT/CN2018/119059 2018-12-04 2018-12-04 Procédé, appareil et dispositif de paiement mobile Ceased WO2020113400A1 (fr)

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PCT/CN2018/119059 WO2020113400A1 (fr) 2018-12-04 2018-12-04 Procédé, appareil et dispositif de paiement mobile
CN201880099859.9A CN113168628A (zh) 2018-12-04 2018-12-04 移动支付方法、装置及设备

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CN108090761A (zh) * 2017-11-10 2018-05-29 杭州云象网络技术有限公司 基于可信二维码的区块链代币支付方法
CN107886314A (zh) * 2017-11-20 2018-04-06 北京比特大陆科技有限公司 虚拟货币结算方法、装置及电子设备
CN108122098A (zh) * 2018-01-10 2018-06-05 晋商博创（北京）科技有限公司 基于cpk的数字货币系统、支付方法及终端

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