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A payment method for passive code scanning on user mobile terminals based on blockchain technology

A user mobile, blockchain technology, applied in the payment system, payment system structure, data processing application, etc., can solve problems such as the inability to guarantee the authenticity of transaction information, platform running away, and fund retention.

Active Publication Date: 2021-12-10
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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  • A payment method for passive code scanning on user mobile terminals based on blockchain technology
  • A payment method for passive code scanning on user mobile terminals based on blockchain technology
  • A payment method for passive code scanning on user mobile terminals based on blockchain 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

A payment method based on blockchain technology for passively scanning the code on the user's mobile terminal, including the following steps: the user opens the payment APP on the mobile terminal, and presents the payment QR code to the merchant; the merchant scans the QR code, and the QR code and The order request is submitted to any node on the blockchain payment system, which constitutes the receiving node; the payment request is recorded on the blockchain; the prophet system listens to the payment request on the blockchain of the matching node, and sends The payment request is sent to the payment channel; the payment channel processes the payment request and returns the payment result to the prophet system; the prophet system returns the payment result to the blockchain through the matching blockchain node; the payment result is recorded in the block On the block chain; the payment channel settles the transaction funds to the settlement account of the merchant, and sends the settlement result to the prophet system, and through the prophet system, the settlement result is packaged on the block chain through the matching block chain node, and the payment is completed. process.

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 Patents(China)
IPC IPC(8): G06Q20/32G06Q20/40
CPCG06Q20/3274G06Q20/401
Inventor 杨阳
Owner NOW BEIJING PAY CO LTD
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