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Mobile payment system applying two-dimensional bar code and corresponding method

A mobile payment, two-dimensional barcode technology, applied in payment architecture, point-of-sale network systems, data processing applications, etc., can solve problems affecting mobile payment applications, and achieve the effect of simplifying interactive operations

Inactive Publication Date: 2014-02-12
黄金富
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

Due to the above reasons, it affects the application of mobile payment in face-to-face consumption payment, which is a problem to be solved

Method used

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  • Mobile payment system applying two-dimensional bar code and corresponding method

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Embodiment Construction

[0015] The method of the present invention will be described in further detail below in conjunction with the accompanying drawings.

[0016] refer to figure 1 , figure 1 is a schematic explanatory diagram of the mobile payment system of the present invention, figure 1 The system shown in includes the issuing bank (1), the acquiring bank (2), the POS machine (3) of each merchant, and the mobile phone (4) of each customer, wherein, the issuing bank (1) is provided with each customer's bank Card account, the acquiring bank (2) has the receiving bank accounts of each merchant, and the POS machine (3) is equipped with two-dimensional barcode program software, which can generate a two-dimensional barcode containing payment information according to the transaction content during the transaction. On the payment slip, the mobile phone (4) is provided with a mobile payment program software, which stores the bank card account information of the customer of the mobile phone (4) in the c...

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Abstract

The invention discloses a mobile payment system applying a two-dimensional bar code and a corresponding method. The mobile payment system applying the two-dimensional bar code comprises an issuing bank (1), a bill receiving bank (2), a POS machine (3) of a merchant and a mobile phone (4) of a client. Mobile payment form software is arranged in the mobile phone (4) and stores bank card account data of the client in the issuing bank (1). When the client performs trade payment to the merchant, the POS machine (3) of the merchant generates the two-dimensional bar code loaded with payment information, and the two-dimensional bar code is printed on a payment bill. The client uses the mobile payment form software of the mobile phone (4) of the client to shoot a two-dimensional bar code image on the payment bill, decoding is performed, payment information is restored, and the payment information is transmitted to the issuing bank (1) along with the stored bank card amount data to undergo authentication. After authentication succeeds, the issuing bank (1) transfers money to a due bank account of the bill receiving bank (2) from a bank card amount of the client, and then the bill receiving bank (2) notifies the merchant of successful collection through the POS machine.

Description

【Technical field】 [0001] The invention relates to mobile phone payment technology, in particular to a mobile phone payment system using two-dimensional barcodes and a corresponding method. 【Background technique】 [0002] The current mobile payment is generally used in various remote consumption payments such as Internet shopping, phone bill payment, life payment, mobile ticket booking, mobile betting and so on. For some face-to-face consumer payments, cash or bank card payment is still the main method. When users use mobile phones to pay, they need to perform multiple interactive operations with the receiving merchants. information, the payment cannot be completed even if there is a slight mistake, and the operation is much more complicated than paying with a bank card. When using a bank card for payment, most of the operations are performed by the receiving merchant, and the user only needs to sign or enter a password for confirmation. Due to the above reasons, it affects...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/16G06Q20/32G06Q20/42
CPCG06Q20/20G06Q20/3223G06Q20/38215G06Q20/401
Inventor 黄金富戴俊杰黄凯仪
Owner 黄金富
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