Safe code scanning payment method

Abstract

The invention discloses a safe code scanning payment method. A customer selects and purchases needed commodities after entering a store; if the customer selects an online store, a payment intelligent code is displayed on a third party payment gateway; if the customer selects a physical store, the customer transmits purchase information to an intelligent pos of the merchant, a payment request is transmitted to a third party payment platform through the intelligent pos, and then the payment intelligent code is sent back to the intelligent pos; after the customer has chosen the commodities, the payment intelligent code displayed on the payment gateway or the intelligent pos is scanned, merchant information, commodity information and commodity prices are decrypted, and a payment procedure is to be conducted after correctness of the merchant information, the commodity information and the commodity prices is confirmed; the customer selects whether to adopt a password carrier or to directly transmit the payment intelligent code to complete payment; the third party payment platform completes money deduction and account entry procedures according to information of the payment intelligent code, meanwhile, transaction success information is fed back to the merchant, and verification information is given to the customer; a transaction is completed. According to the safe code scanning payment method, customers can select and purchase commodities by themselves and place orders to generate payment intelligent codes; information is encrypted in the whole process, and the payment process is safe and reliable; payment is convenient, simple and direct; both merchants and customers can complete transactions quickly.

Description

technical field [0001] The invention relates to a safe code-scanning payment method, which is suitable for shopping malls, hotels, tourism, catering or other fields where code-scanning payment can be used. Background technique [0002] With the continuous development of the economy, in terms of payment, the traditional face-to-face offline payment is gradually moving towards online payment with the help of the Internet. With the continuous advancement of science and technology, the IC industry has developed rapidly. IC chips are becoming more powerful, smaller in size, and cheaper in price. At the same time, communication technology is also developing rapidly, and the application of smart phones is very common, and the processing speed of smart phones is getting faster and faster, and the functions are getting more and more powerful. The wireless network coverage and the service traffic that can be supported are also gradually increasing. The development of these basic tec...

AI Technical Summary

Problems solved by technology

[0003] With the popularization of mobile payment methods, there has been a method of scanning QR codes for payment. This method has two risks: 1. Customers do not know the information of the QR code before scanning the QR code. If there is any information or behavior that is unfavorable to customers in the code, the customer does not know it in advance. For example, if there is a virus, the customer can only know it after scanning the code; 2. The information of the merchant or customer is easy to be obtained by others by scanning the code.

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