Two-dimensional code-based transaction method and system

Abstract

The invention provides a two-dimensional code-based transaction method and a two-dimensional code-based transaction system. The method comprises the steps of receiving a first request from a first acceptance mechanism, wherein the first request is generated based on a two-dimensional code, and the two-dimensional code is generated by a second acceptance mechanism; obtaining a second request basedon the first request, wherein the second request includes an account mechanism of a payer, account information of the payer, account information of a payee and deduction amount information; and sending the second request to the account mechanism of the payer. In the two-dimensional code-based transaction method and the two-dimensional code-based transaction system, through indirection connection between the acceptance mechanism and the account mechanism, the indirection connection of different payment systems is realized, the connection complexity between multiple payment systems can be effectively reduced and the cost is lowered; and meanwhile, through the indirect connection, the two-dimensional codes of the unconnected payment systems can be recognized, thereby realizing a two-dimensional code-based payment transaction.

Description

Technical field [0001] The present invention relates to the technical field of electronic transactions, and more specifically, to a transaction method and system based on a two-dimensional code. Background technique [0002] QR code transaction is a new generation of wireless transaction solution based on the account system. Merchants can compile transaction information such as account number and commodity price into a QR code. Users can scan the QR code with their mobile phones to realize the Payment settlement, inquiry and other transactions. With its fast and convenient characteristics, QR code transactions have become the mainstream mode of electronic transactions. Various banks, payment institutions, and technical service providers have different needs for QR code transactions. [0003] At present, the realization of QR code transactions based on the open source QR CODE (Quick Response Code) as the mainstream is no longer a problem. However, based on the current implementati...

AI Technical Summary

Problems solved by technology

However, based on the current implementation method, there must be one-to-one access between the account institution and the acceptance institution, and the access work requires considerable resources for both parties

For small institutions with limited resources, their business development is limited because they cannot afford such access costs

In addition, since the accepting institution has an independent QR code-based transaction system, when the accepting institution of the payer and the accepting institution of the payee are different, the two sets of independent two-dimensional code transaction systems cannot recognize each other, so when realizing the payment There is a big problem in the interconnection between the party and the payee

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