Public transport code scanning payment settlement method and system

Abstract

The invention relates to the technical field of code scanning payment, and particularly relates to a public transport code scanning payment settlement method and system. The public transport code scanning payment settlement method is implemented based on the public transport code scanning payment settlement system comprising a cash collection machine, a server and a mobile terminal, whether payment interface information accessed to a payment platform is consistent with machine position information uploaded by the code scanning cash collection machine is verified and the method for distinguishing whether the settlement request is directly from the merchant or the agent is provided for the server. As for the settlement request which is not directly from the merchant, the server stores early warning information in a payment code returned to the cash collection machine, and the mobile terminal identifies the early warning information in the payment code and judges the security of the interface address information stored in the payment code. If the judgment result indicates that the interface address is insecure, the settlement payment operation is refused so that the situation that the consumer and the merchant perform transaction through the insecure agent can be avoided, and the payment risk of the consumer and the cash collection risk of the merchant can be reduced.

Description

technical field [0001] The invention relates to the technical field of code-scanning payment, in particular to a method and system for public transportation code-scanning payment settlement. Background technique [0002] In recent years, with the development of the Internet and mobile smart terminals, the number of merchants that support QR code payment such as WeChat and Alipay has grown rapidly. In the field of public transportation, a large number of code scanning payment services are also involved. Traditional public transportation, subways, taxis, emerging car rentals, shared bicycles and other public transportation methods can all complete transactions by scanning payment codes. The merchant enters the settlement bill on the cash collection machine, obtains the payment code based on the settlement bill from the server of the payment platform, and the consumer uses the mobile terminal to scan the payment code to make settlement and payment. [0003] In order to speed u...

AI Technical Summary

Problems solved by technology

Since the payment platform is not strict in the selection and review of agents, it is difficult to guarantee the business level and security of some agents, which increases the payment risk of consumers and the payment risk of merchants

In fact, most agents do not have liquidation qualifications. Due to the lack of regulatory mechanisms, criminals may take advantage of regulatory loopholes to steal transaction information and even payment accounts and Bank account information, resulting in the risk of information leakage