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Payment method of passive code scanning on user mobile terminal based on block chain technology

A user mobile and blockchain technology, applied in the payment system, payment system structure, data processing applications, etc., can solve the problems of inability to guarantee the authenticity of transaction information, fraudulent transactions to extract funds from merchants and users, and capital retention.

Active Publication Date: 2017-12-01
NOW BEIJING PAY CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

It may happen that the funds stay in the platform account. When the account funds reach a certain scale, once the platform runs away or misappropriates funds, a series of extremely serious problems will arise.
At the same time, the authenticity of the transaction information provided by the platform cannot be guaranteed, and there may be acts of forging or altering transactions to extract funds from merchants and users

Method used

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  • Payment method of passive code scanning on user mobile terminal based on block chain technology
  • Payment method of passive code scanning on user mobile terminal based on block chain technology
  • Payment method of passive code scanning on user mobile terminal based on block chain technology

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0038] The specific transaction process of the passive scanning code payment method on the user's mobile terminal based on blockchain technology is as follows:

[0039] User presents the QR code: the user opens the payment APP and presents the payment QR code to the merchant;

[0040] The merchant system submits the payment request: the merchant scans the QR code and submits the QR code and order request to any node on the blockchain payment system;

[0041] The blockchain broadcasts the payment request and forms a block: the node receives the merchant's request, verifies the merchant's request, and sends it to other nodes in the blockchain after the verification is successful, and deposits the payment request into the node's transaction pool at the same time; if verified If it fails, the payment request will be discarded directly. After other nodes receive the broadcast payment request, they verify it separately. If the verification is successful and it is the first time to ...

Embodiment 2

[0054] A payment method for passive code scanning on a user's mobile terminal based on block chain technology, comprising the following steps:

[0055] S1. The user presents the QR code: the user opens the payment APP on the mobile terminal, and presents the payment QR code to the merchant;

[0056] S2. The merchant system submits the payment request: the merchant scans the QR code, submits the QR code and the order request to any node on the blockchain payment system, and at this time, the node constitutes the receiving node;

[0057] S3. Block chain processing step: after the block chain verifies the payment request, the verified payment request is formed into a block through a consensus algorithm, thus, the payment request is recorded on the block chain;

[0058] S4. Monitoring and payment steps: the Prophet system monitors the payment request on the blockchain of the matching node, and sends the payment request to the payment channel; the payment channel processes the paym...

Embodiment 3

[0081] A payment method for passive code scanning on a user's mobile terminal based on blockchain technology, comprising only the following steps:

[0082] S1. The user presents the QR code: the user opens the payment APP on the mobile terminal, and presents the payment QR code to the merchant;

[0083] S2. The merchant system submits the payment request: the merchant scans the QR code, submits the QR code and the order request to any node on the blockchain payment system, and at this time, the node constitutes the receiving node;

[0084] S3. Block chain processing step: after the block chain verifies the payment request, the verified payment request is formed into a block through a consensus algorithm, thus, the payment request is recorded on the block chain;

[0085] S4. Monitoring and payment steps: the Prophet system monitors the payment request on the blockchain of the matching node, and sends the payment request to the payment channel; the payment channel processes the ...

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Abstract

Provided is a payment method of passive code scanning on a user mobile terminal based on a block chain technology. The method comprises the following steps: a user starting a payment APP on a mobile terminal, and showing a payment two-dimensional code to a merchant; the merchant scanning the two-dimensional code, submitting the two-dimensional code and an order request to any node of a block chain payment system, the nodes forming receiving nodes; a payment request being recorded to a block chain; a prophet system monitoring the payment request on a block chain of a matched node, and sending the payment request to a payment channel; the payment channel processing the payment request, and returning the payment result to the prophet system; the prophet system returning the payment result to the block chain through the matched block chain node; the payment result being recorded on the block chain; the payment channel performing settlement on transaction funds to a settlement account of the merchant, and sending a settlement result to the prophet system, through the prophet system, the settlement result being packaged on the block chain through the matched block chain node, to complete overall processes of payment.

Description

technical field [0001] The invention relates to the technical field of payment transactions, in particular to a payment method based on block chain technology for passive code scanning on a user's mobile terminal. Background technique [0002] At present, with the large-scale growth of Internet and mobile phone users, Internet payment and mobile payment are developing rapidly. At the same time, the regulatory authorities found that many platforms used the "big merchant" and "second-clearance" models in the actual business process. The "big merchant" model refers to the situation where multiple merchants use the same merchant code, which violates the principle of authenticity of the merchants; Individuals, and then the company or individual settles to the merchant, which violates the principle of directness of settlement. It may happen that the funds stay in the platform account. When the account funds reach a certain scale, once the platform runs away or misappropriates fu...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/32G06Q20/40
CPCG06Q20/3274G06Q20/401
Inventor 杨阳
Owner NOW BEIJING PAY CO LTD
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