WO2021147296A1

WO2021147296A1 - Qr code payment method and system employing mobile phone business card

Info

Publication number: WO2021147296A1
Application number: PCT/CN2020/107313
Authority: WO
Inventors: 王钰; 蒋海俭; 王瑞明
Original assignee: 中国银联股份有限公司
Priority date: 2020-01-23
Filing date: 2020-08-06
Publication date: 2021-07-29
Also published as: CN111553678A; CN111553678B; TWI748630B; TW202129571A

Abstract

A QR code payment method and system employing a mobile phone business card. The method is implemented by a payment system and a mobile phone business card system, and comprises a request receiving step, a mapping establishment step, a distribution step, an account acquisition step, and a binding step. Compared with conventional QR code-based card binding and activation techniques, card binding in the method is configured such that users do not need to download client-end software or input bankcard information, thereby greatly reducing the operation time of users, lowering a card binding threshold, and increasing appeal to users.

Description

Two-dimensional code payment method and system based on mobile phone business card

Technical field

The invention relates to computer technology, in particular to a two-dimensional code payment method based on a mobile phone business card and a two-dimensional code payment system based on a mobile phone business card.

Background technique

Generally, when a mobile phone implements account QR code payment, it is necessary to download and install a mobile client that supports payment. Before payment, a card needs to be bound to the client to enable the QR code payment function, and the client needs to be opened when using it. The entire process requires a certain amount of operation and time. Specifically, the general current mobile phone QR code scanning transaction technology includes three processes: client-side card activation, application for QR code, and acceptance of QR code.

1. Client binding card activation process

When using it for the first time, the user installs a mobile client that supports QR code transactions and binds the card to open the QR code service. The user's use process is as follows:

1) The user downloads and installs a mobile client that supports QR code transactions;

2) In the client, register or enter account information, log in to the client; and

3) Enter the bank card information, complete the binding, and activate the QR code payment service.

2. The process of applying for QR code

After the activation, every time you use it, open the mobile client and apply for a payment QR code. The user's use process is as follows:

1) The user opens the mobile phone client that supports the QR code on the mobile phone;

2) Click to be scanned to pay, verify user information or payment information, and display the QR code.

3. Process of accepting QR code

1) The user sends the payment QR code to the cashier of the merchant;

2) The merchant acquiring system sends the QR code to the payment system to complete the transaction.

There are the following shortcomings in the existence of such prior art:

(1) QR code activation depends on the mobile client

The user needs to download the client terminal and register the user for the first time, which causes a certain time cost and operation cost for new users to attract customers. For older users, or user groups that are sensitive to downloading and registering, it will cause a certain experience impact or loss of users.

(2) Rely on the bank card when the QR code is tied to the card

When tying the card, the bank card information needs to be entered. Usually, the user needs to take out the bank card. If the user does not carry the card, it will cause inconvenience in operation. Affect the success rate of activation.

(3) The QR code binding card is a centralized card binding processing

The systems are connected in a central system, and each system operates independently. If a single system is abnormal, it may cause confusion in the tied card data and difficulty in tracing.

(4) QR code application and acceptance depend on the mobile client

The mobile client needs to verify user information or payment information, determine the risk situation, display the QR code, and complete the transaction. In the process, the security guarantee is provided by the client, which is responsible for user identification, data security storage and transmission, etc., which is more complicated to implement.

Summary of the invention

In view of the above problems, the present invention aims to provide a two-dimensional code payment method based on mobile phone business cards and a two-dimensional code payment system based on mobile phone business cards that can simplify user operations.

The mobile phone business card-based QR code payment method in one aspect of the present invention is implemented by a payment system and a mobile phone business card system, and is characterized in that it includes the following steps:

In the request receiving step, the payment system receives a binding request, where the binding request includes bank card information, mobile phone number, and device information;

In the mapping establishment step, the payment system generates an account feedback code corresponding to the bank card information (in addition to the bank card information here, it can also be other account information, the bank card information is taken as an example for description below) based on the binding request, and at the same time Establish the first mapping table of account feedback code, bank card information, mobile phone number and device information;

In the distribution step, the payment system sends the account feedback code to the mobile phone business card system according to the device information;

In the account acquisition step, the mobile business card system requests bank card information from the payment system based on the account feedback code, and the mobile business card system obtains the bank card information and mobile phone number corresponding to the account feedback code from the payment system; and

In the binding step, the mobile phone business card system matches the obtained mobile phone number with a pre-stored second mapping table indicating the correspondence between the mobile phone number and the user's business card, and realizes the binding of the bank card information and the user's business card.

Among them, the account feedback code corresponding to the account information includes not only the system code and Token used to replace the account information, but also any other information form that can replace the account information. Even the account feedback code of the account information can also be the account information itself. .

Optionally, after the binding step, it further includes:

In the two-dimensional code acquisition step, the mobile business card system initiates a two-dimensional code acquisition request to the payment system, where the two-dimensional code acquisition request includes bank card information bound to the user’s business card, and returns from the payment system corresponding to the bank card information QR code for payment.

Optionally, after the step of obtaining the QR code, the method further includes:

In the two-dimensional code acceptance step, the mobile business card system pushes the obtained two-dimensional code to the user, and completes the payment acceptance based on the corresponding bank card information based on the two-dimensional code.

Optionally, in the mapping establishment step, the payment system generates a Token corresponding to bank card information as the account feedback code based on the binding request, and generates a TokenRefID corresponding to the Token, and at the same time in the first Establish the correspondence between bank card information, Token, TokenRefID, mobile phone number and device information in the mapping table;

In the distribution step, the payment system sends the TokenRefID to the mobile phone business card system according to the device information,

In the account acquisition step, the mobile phone business card system requests a Token from the payment system based on the TokenRefID, and the mobile phone business card system obtains the Token and the mobile phone number corresponding to the TokenRefID from the payment system. In the binding step, the process is performed based on the second mapping table. Matching is to realize the binding between the Token and the user's business card.

Optionally, after the binding step, it further includes:

In the two-dimensional code acquisition step, the mobile phone business card system initiates a two-dimensional code acquisition request to the payment system, where the two-dimensional code acquisition request contains the Token bound to the user’s business card, and the payment system returns the payment two-dimensional code corresponding to the Token from the payment system code.

In the QR code acceptance step, the mobile phone business card system pushes the obtained payment QR code to the user, and completes the payment acceptance based on the payment QR code.

Optionally, in the distribution step, the payment system sends the TokenRefID to the mobile phone business card system in a point-to-point manner.

Optionally, in the distributing step, the payment system sends the TokenRefID to the mobile phone business card system in a blockchain manner.

Optionally, the account acquisition step includes the following sub-steps:

The mobile phone business card system uses asymmetric encryption to request Token from the payment system with TokenRefID;

The payment system obtains the corresponding Token and the mobile phone number according to the TokenRefID according to the first mapping table, encrypts them in an asymmetric manner, and returns to the mobile phone business card system;

The mobile phone business card system decrypts to obtain the Token and mobile phone number.

Optionally, the following sub-steps are included in the binding step:

The mobile phone business card system matches the obtained mobile phone number with the second mapping table;

Bind the user's business card that matches the mobile phone number with the obtained Token; and

The binding result is fed back to the payment system.

Optionally, the step of acquiring the two-dimensional code includes the following sub-steps:

The mobile phone business card system verifies the consistency of the current device's SIM card number and mobile phone number;

In the case of passing the verification, initiate a QR code acquisition request to the payment system with the Token and mobile phone number bound to the user's business card; and

The payment system verifies the consistency of the Token and the mobile phone number based on the two-dimensional code acquisition request, and returns the payment two-dimensional code corresponding to the Token to the mobile business card system if the verification is passed.

Optionally, in the two-dimensional code acceptance step, an auxiliary verification for the mobile phone user to perform verification is further set before the payment acceptance is completed.

The QR code completes the payment acceptance based on the corresponding bank card information.

Optionally, in the mapping establishment step, the payment system generates a system code corresponding to bank card information as the account feedback code based on the binding request, and generates a system code feedback code corresponding to the system code, and at the same time The corresponding relationship among bank card information, system code, system code feedback code, mobile phone number, and device information is further established in the first mapping table;

In the distribution step, the payment system sends the system encoding feedback code to the mobile phone business card system according to the device information,

In the account acquisition step, the mobile business card system requests a system code from the payment system based on the system encoding feedback code, and the mobile business card system obtains the system code and mobile phone number corresponding to the system encoding feedback code from the payment system,

In the binding step, matching is performed based on the second mapping table and the binding of the system code and the user's business card is realized.

Optionally, after the binding step, it further includes:

In the two-dimensional code acquisition step, the mobile business card system initiates a two-dimensional code acquisition request to the payment system, where the two-dimensional code acquisition request includes the system code bound to the user’s business card, and the payment system returns the payment corresponding to the system code QR code.

The two-dimensional code payment method based on mobile phone business card in one aspect of the present invention is characterized in that it comprises the following steps:

The request receiving step is to receive a binding request, where the binding request includes bank card information, mobile phone number, and device information;

The mapping establishment step is to generate an account feedback code corresponding to the bank card information based on the binding request, and at the same time establish a first mapping table of the bank card information, the account feedback code, the mobile phone number, and the device information;

In the distribution step, the account feedback code is sent to the outside according to the device information;

The account providing step is to receive a request for bank card information based on the account feedback code from the outside, query the bank card information and mobile phone number corresponding to the account feedback code based on the request, and send it to the outside.

Optionally, after the account providing step, the method further includes:

The two-dimensional code providing step is to receive a two-dimensional code acquisition request from the outside, where the two-dimensional code acquisition request contains the bank card information and mobile phone number bound to the user's business card, and the user's business card is based on the mobile phone number and the bank card Information binding, according to the bank card information and mobile phone number to provide external payment QR code.

Optionally, after the step of providing the QR code, the method further includes:

In the two-dimensional code acceptance step, the payment two-dimensional code is received from the outside, and the payment acceptance based on the corresponding bank card information is completed based on the payment two-dimensional code.

Optionally, in the mapping establishment step, a Token corresponding to bank card information is generated as the account feedback code based on the binding request, and a TokenRefID corresponding to the Token is generated, and at the same time in the first mapping table Further establish the correspondence between bank card information, Token, TokenRefID, mobile phone number and device information,

In the distribution step, the TokenRefID is sent to the outside according to the device information,

In the account providing step, a request for requesting a Token based on the TokenRefID is received from the outside, and the Token and mobile phone number corresponding to the TokenRefID are inquired based on the request and sent to the outside.

Optionally, after the account providing step, the method further includes:

The two-dimensional code providing step is to receive a two-dimensional code acquisition request from the outside, where the two-dimensional code acquisition request includes the Token and mobile phone number bound to the user's business card, wherein the user's business card is bound to the Token based on the mobile phone number, According to the Token and mobile phone number, a payment QR code is provided to the outside.

In the QR code acceptance step, the payment QR code is received from the outside, and the payment acceptance is completed based on the payment QR code.

Optionally, in the distribution step, the TokenRefID is sent to the outside in a point-to-point manner.

Optionally, in the distributing step, the TokenRefID is sent to the outside through the block chain.

The QR code payment system based on mobile phone business cards of the present invention is characterized in that it includes: a payment system and a mobile phone business card system,

Among them, the payment system includes:

Payment core system for execution and payment functions;

Token system for generating and managing Token;

A blockchain node module used as a node of the blockchain to realize information interaction with the mobile phone business card system. The mobile phone business card system is used to interact with the payment system and realize the binding of the user's business card based on the Token.

Optionally, the payment core system is configured to receive a binding request, where the binding request includes bank card information, mobile phone number, and device information,

The Token system is used to generate corresponding Token and TokenRefID according to the binding request and establish a first mapping table of bank card information, Token, TokenRefID, mobile phone number, and device information,

The blockchain node module sends the TokenRefID to the mobile phone business card system corresponding to the mobile phone brand according to the device information,

After the mobile phone business card system obtains the TokenRefID, it requests the payment system to obtain the Token based on the TokenRefID,

The Token system returns the corresponding Token and the bank’s reserved mobile phone number to the mobile phone business card system according to the request from the mobile phone business card system,

The mobile phone business card system binds the Token and the user's business card based on obtaining the Token and the mobile phone number reserved by the bank.

Optionally, the mobile phone business card system is configured to request a payment QR code from the payment system based on the Token bound to the user's business card,

The Token system generates the Token and the corresponding payment QR code according to the request from the mobile phone business card system and returns it to the mobile phone business card system.

Optionally, the mobile phone business card system is used to provide the payment QR code to the user's mobile phone,

The Token system obtains bank card information corresponding to the Token according to the payment QR code, and the payment core system is used to complete the acceptance based on the bank card information.

Optionally, the blockchain node module sends the TokenRefID to the mobile phone business card system in a blockchain manner.

The payment system of the present invention is characterized in that it includes:

Payment core system for execution and payment functions;

Token system for generating and managing Token; and

A blockchain node module used as a node of the blockchain to realize information interaction with the outside.

The blockchain node module sends the TokenRefID to the external mobile phone business card system corresponding to the mobile phone brand according to the device information,

The Token system returns the TokenRefID and the corresponding Token and bank-reserved mobile phone number to the external mobile phone business card system according to the request from the external mobile phone business card system to obtain the Token based on the TokenRefID, where the Token is associated with the user's business card Binding.

Optionally, the payment core system generates the Token and the corresponding payment QR code according to a request from an external mobile phone business card system.

Wherein, the payment system includes:

Payment core system, used to realize payment functions;

System coding system, used to realize the generation and management of system coding; and

The block chain node module completes the information interaction with the mobile phone business card system based on the block chain technology. The mobile phone business card system is used to interact with the payment system and bind the user business card based on the above system code.

The system encoding system is used to generate corresponding system encoding and system encoding feedback code according to the binding request and establish a first mapping table of bank card information, system encoding, system encoding feedback code, mobile phone number, and device information,

The blockchain node module sends the system encoding feedback code to the mobile phone business card system corresponding to the device information according to the device information,

After the mobile phone business card system obtains the system code feedback code, it requests the payment system to obtain the system code based on the system code feedback code,

The system coding system returns the corresponding system code and the bank’s reserved cell phone number to the cell phone business card system according to the request from the cell phone business card system,

The mobile phone business card system binds the system code with the user's business card based on obtaining the system code and the bank's reserved mobile phone number.

Optionally, the mobile phone business card system is configured to request a payment QR code from the payment system based on the system code bound to the user's business card,

According to the request from the mobile phone business card system, the payment core system generates a system code and a corresponding payment QR code and returns to the mobile phone business card system.

The system coding system obtains bank card information corresponding to the system code according to the payment two-dimensional code, and the payment core system is used to complete the acceptance based on the bank card information.

Optionally, the block chain node module sends the system encoding feedback code to the mobile phone business card system via the block chain.

Payment core system, used to realize payment functions;

The block chain node module is based on block chain technology to complete the information interaction with the external mobile phone business card system.

The blockchain node module sends the system encoding feedback code to the external mobile phone business card system corresponding to the device information according to the device information,

The system coding system returns the corresponding system code and bank phone number reserved to the external mobile phone business card system according to the request from the external mobile phone business card system.

Optionally, the blockchain node module sends the system encoding feedback code to the external mobile phone business card system through the blockchain.

The computer-readable medium of the present invention has a computer program stored thereon, and it is characterized in that the computer program, when executed by a processor, realizes the above-mentioned two-dimensional code payment method based on a mobile phone business card.

The computer device of the present invention includes a storage module, a processor, and a computer program that is stored on the storage module and can run on the processor, and is characterized in that the processor executes the computer program to implement the aforementioned mobile phone business card-based QR code payment method.

The QR code payment method based on the mobile phone business card and the QR code payment system based on the mobile phone business card are compared with the traditional QR code binding card activation. Under the premise of ensuring security, the card binding work does not require the user to download the client or the user Enter bank card information, greatly reducing user operation time.

The QR code payment method based on mobile phone business cards and the QR code payment system based on mobile business cards, compared with the traditional QR code application and acceptance, do not need to download the mobile client, reduce the dependence on the mobile client, and can do without a client Payment, reduce the cost of QR code transaction implementation, and improve implementation efficiency.

The QR code payment method based on mobile phone business cards and the QR code payment system based on mobile business cards use blockchain technology to increase the security of card activation, establish mutual trust between the mobile phone business card system and the payment system, as well as traceability and impossibility. Denial, strengthen transaction security and risk prevention and control.

The two-dimensional code payment method based on mobile phone business cards and the two-dimensional code payment system based on mobile business cards, through the comparison and verification of mobile phone business cards, SIM mobile phone numbers, and bank phone numbers reserved, do not require traditional client user identification and avoid Systematic risks that may be caused by traditional mobile phone clients due to their own reasons.

Description of the drawings

Fig. 1 is a flowchart showing a two-dimensional code payment method based on a mobile phone business card according to a first embodiment of the present invention.

Figure 2 shows an example of the two-dimensional code display of a mobile phone business card.

3 is a schematic diagram showing the QR code application phase and the acceptance phase in the mobile phone business card-based QR code payment method according to the first embodiment of the present invention.

4 is a block diagram showing the structure of a two-dimensional code payment system based on a mobile phone business card according to the first embodiment of the present invention.

5 is a block diagram showing the structure of a two-dimensional code payment system based on a mobile phone business card according to a second embodiment of the present invention.

6 is a block diagram showing the structure of a two-dimensional code payment system based on a mobile phone business card according to a third embodiment of the present invention.

FIG. 7 is a block diagram showing the structure of a two-dimensional code payment system based on a mobile phone business card according to a fourth embodiment of the present invention.

Detailed ways

Introduced below are some of the multiple embodiments of the present invention, intended to provide a basic understanding of the present invention. It is not intended to confirm the key or decisive elements of the present invention or limit the scope of protection.

For brevity and illustrative purposes, this document mainly refers to its exemplary embodiments to describe the principles of the present invention. However, those skilled in the art will readily recognize that the same principle can be equally applied to all types of mobile phone business card-based QR code payment methods and mobile phone business card-based QR code payment systems, and these can be implemented in them. The same principle and any such changes do not depart from the true spirit and scope of this patent application.

Moreover, in the following description, reference is made to the accompanying drawings, which illustrate specific exemplary embodiments. Electrical, mechanical, logical, and structural changes can be made to these embodiments without departing from the spirit and scope of the present invention. In addition, although the feature of the present invention is disclosed in conjunction with only one of several implementations/embodiments, if it may be desired and/or advantageous for any given or identifiable function, this feature can be combined with other implementations. One or more other features of the embodiment are combined. Therefore, the following description should not be considered in a limiting sense, and the scope of the present invention is defined by the appended claims and their equivalents.

Terms such as "have" and "include" mean that in addition to units (modules) and modules that are directly and clearly stated in the specification and claims, the technical solution of the present invention does not exclude State the situation of other units (modules) and modules.

The first embodiment

First, the two-dimensional code payment method based on mobile phone business cards and the two-dimensional code payment system based on mobile phone business cards in the first embodiment of the present invention will be described.

In the following description, the description is based on a mobile phone business card. The mobile phone is only an embodiment of the invention to facilitate understanding, and the mobile phone can be replaced with any form of electronic terminal.

Fig. 1 is a flowchart showing a two-dimensional code payment method based on a mobile phone business card according to a first embodiment of the present invention. Figure 2 shows an example of the two-dimensional code display of a mobile phone business card.

The two-dimensional code payment method based on mobile phone business cards of the first embodiment can be roughly divided into three stages: a card-binding stage, a two-dimensional code application stage, and a two-dimensional code acceptance stage. Next, each of these three stages will be explained.

First, explain the activation phase of the tied card.

The card binding activation stage includes steps S101 to S105 in FIG. 1.

Step S101: the banking system initiates an opening to the payment system.

Specifically, users choose to activate the mobile business card payment function when handling bank card business at bank outlets or through various channels such as mobile banking and online banking. The bank system initiates a mobile business card QR code activation request to the payment system, including bank card information (in addition to bank card information, it can also be other account information, the following uses bank card information as an example), mobile phone number, and equipment Information (for example, user's mobile phone brand), etc. Generally, an optional way is to request the message to encrypt and sign the above-mentioned information, and the payment system will verify the above-mentioned information and decrypt the data to obtain the data.

Step S102: The payment system tokenizes the bank card.

Specifically, the payment system tokenizes the bank card, generates Token (can be called: token) and TokenRefID (can be called: Token feedback identification code or token feedback identification code), and returns the Token to the banking system. At the same time, a first mapping table of the correspondence between bank card, Token, TokenRefID, mobile phone number, device information and other information is established.

Step S103: The payment system sends the TokenRefID to the mobile phone business card system through the blockchain.

Specifically, the payment system and the mobile phone business card system use the blockchain technology of the alliance chain to exchange information to establish and strengthen mutual security and mutual trust. The specific method is:

(1) The payment system and each mobile phone business card system are the member nodes of the alliance chain, and the alliance members reach consensus through the multi-center mutual trust of the blockchain. Each member node corresponds to a mobile phone business card system of a certain (or multiple) mobile phone brands, and has its own node address.

(2) According to the node address, the payment system sends the TokenRefID to the node address of the mobile phone business card system corresponding to the device information (for example, mobile phone brand), and sends confirmation on the alliance chain. After all the nodes on the chain have confirmed, the sending is completed. At this time, the TokenRefID belongs to a certain node (mobile phone business card system) to obtain a consensus, and each node has a record. It helps to trace back and clarify the mobile phone business card system to which the TokenRefID (corresponding to Token) has been activated in the future.

Step S104: The mobile phone business card system obtains the Token.

The mobile phone business card system uses asymmetric encryption to request a Token from the payment system with TokenRefID and its own public key, with signature data attached. The payment system verifies the signature, uses the public key of the mobile phone business card system to encrypt the Token and the mobile phone number reserved by the bank, attaches its own public key, and returns the signature to the other party. After the mobile phone business card system performs signature verification and decryption, it obtains the Token and the mobile phone number reserved by the bank.

Step S105: Token is bound to the mobile phone business card system.

Specifically, the mobile phone business card system matches users whose mobile phone number and mobile device SIM card number are the same as the mobile phone number reserved by the bank among the associated mobile phone users. Bind the Token with the user's business card. After the binding is completed, the mobile phone business card system returns the binding result to the payment system, and the payment system returns to the banking system.

Next, explain the QR code application phase.

The QR code application stage includes step S106 in the figure.

Step S106: When the user opens (address book) my business card using the mobile phone device, and uses the mobile phone business card system to initiate a two-dimensional code acquisition request, the mobile phone business card system verifies the consistency of the current device SIM card number with the reserved mobile phone number. The Token bound to the business card requests a payment QR code from the payment system (wherein, if a user device has multiple SIM cards, any SIM card can meet the conditions).

Step S107: The payment system receives the Token and the reserved mobile phone number sent by the mobile phone business card system, and verifies the consistency between the Token and the reserved mobile phone number. If the verification is successful, the payment system generates the Token and the reserved mobile phone number. The corresponding payment QR code is returned to the mobile phone business card system.

Finally, explain the acceptance stage of the QR code.

The two-dimensional code acceptance stage includes step S108 in FIG. 1.

Step S108: The mobile phone business card system pushes the payment QR code to the user's mobile device (not shown), and displays it in My Business Card in the address book (for example, the payment QR code is displayed next to the avatar, see Figure 2), The merchant scans the payment QR code and sends it to the payment system through the acquirer. The payment system obtains the corresponding bank card information and completes the acceptance based on the corresponding relationship between the payment QR code, the Token and the reserved mobile phone number.

In addition, the two-dimensional code display of the mobile phone business card shown in Figure 2 is only an example, the two-dimensional code can also be located in the lower part of the figure or other positions, there is no restriction on the way of displaying the two-dimensional code, as long as it is in conjunction with the mobile phone business card The binding will fall into the protection scope of the present invention.

As shown in Figure 3, according to the mobile phone business card-based QR code payment method according to the first embodiment of the present invention, when a mobile phone user sends a payment request to the mobile phone business card system, the mobile phone business card system will make the payment request (including Token and reserved mobile phone number). ) Is sent to the payment system, and the payment system returns the payment QR code to the mobile phone business card system (the payment system generates a payment QR code corresponding to the Token and the reserved mobile phone number according to the Token and the reserved mobile phone number), and the mobile business card system will The payment QR code is returned to the mobile phone user, so that on the user’s mobile phone, for example, "Payment QR code" will be displayed in the column of my business card. The merchant scans the payment QR code and sends a payment completion request to the payment system (where , The payment system obtains the payment QR code, obtains the corresponding bank card information according to the corresponding relationship between the payment QR code, the Token and the reserved mobile phone number, and completes the payment deduction based on the bank card information).

As shown in FIG. 4, the mobile phone business card-based QR code payment system according to the first embodiment of the present invention includes: a payment system 100 and a mobile phone business card system 200.

Among them, the payment system 100 includes: a payment core system 110, a Token system 120, and a blockchain node module 130. The payment core system 110 performs various functions related to payment, and the Token system 120 performs various functions related to the generation and management of Token. The blockchain node module 130 completes the information interaction with the mobile phone business card system 200 based on the blockchain technology.

The mobile phone business card system 200 includes a mobile phone business card system A, a mobile phone business card system B, ... a plurality of mobile phone business card systems of the mobile phone business card system M. These mobile phone business card systems can be classified according to device information, for example, they can be classified according to mobile phone brands, and multiple devices can be set up according to various device information of the mobile phone operating main system type.

Wherein, the payment core system 110 is configured to receive a binding request from a banking system, where the binding request includes information such as bank card information, reserved mobile phone number, and device information. These binding requests can be submitted to the bank's core system through mobile banking, online banking, WeChat banking, bank counters, etc., and the bank's core system sends the request for opening the QR code function of the mobile phone business card to the payment system.

The Token system 120 is used to generate corresponding Token and TokenRefID according to the binding request and establish the mapping relationship between bank card information (for example, bank card number), Token, TokenRefID, reserved mobile phone number, and device information (for example, mobile phone brand), This mapping relationship is referred to as the first mapping table in the text.

Further, the blockchain node module 130 can be regarded as a part of the payment system 100 as a node of the blockchain, or can represent the entire payment system 100 as a node of the blockchain. The TokenRefID is sent from the payment system 100 to the mobile phone business card system 200 through the blockchain node module 130. Specifically, the payment system 100 itself or the blockchain node module 130, and each mobile phone business card system 200 are the member nodes of the alliance chain, and the alliance members reach consensus through the multi-center mutual trust of the blockchain. Each member node corresponds to a mobile phone business card system of a certain (or multiple) mobile phone brands and has its own node address. For example, in Figure 4, the node address of the payment node module 130 is mobilesystemnode00, mobile business card system A, mobile business card The node addresses of the system B and the mobile phone business card system M are mobilesystemnodeA, mobilesystemnodeB, and mobilesystemnodeM respectively.

The blockchain node module 130 sends the TokenRefID to the node address of the mobile phone business card system corresponding to the device information (for example, mobile phone brand) according to the device information, and confirms the sending on the alliance chain. After all the nodes on the chain confirm, the sending is completed. At this time, the TokenRefID belongs to a certain node (mobile phone business card system 200) to obtain a consensus, and each node has a record.

After obtaining the TokenRefID, the mobile phone business card system 200 uses asymmetric encryption to request the payment system 100 to obtain the Token with the TokenRefID and its own public key, with signature data attached.

The Token system of the payment system 100 verifies the signature, uses the public key of the mobile phone business card system 200 to encrypt the Token and the bank’s reserved mobile phone number, attaches its own public key and signs, and returns it to the mobile phone business card system 200.

After the mobile phone business card system 200 performs signature verification and decryption, it obtains a Token and a mobile phone number reserved by the bank. The mobile phone business card system 200 matches users whose mobile phone number and mobile device SIM card number of the associated mobile phone user are the same as the mobile phone number reserved by the bank. The mobile phone business card system 200 binds the Token to the user's business card. After the binding is completed, the mobile phone business card system 200 returns the binding result to the payment system 100, and the payment system 100 returns the result to the banking system.

When a user opens (address book) my business card using a mobile phone device, and uses the mobile phone business card system 200 to initiate a QR code acquisition request, the mobile phone business card system 200 verifies the consistency between the current device SIM card number and the reserved mobile phone number, and is in school If the verification is passed, the Token bound to the business card is used to request a payment QR code from the payment system 100.

In the QR code application phase, the Token system 110 of the payment system 100 receives the Token and the reserved mobile phone number sent by the mobile phone business card system, verifies the consistency of the Token and the reserved mobile phone number, and pays if the verification is successful. The Token system 120 of the system 100 generates a payment QR code corresponding to the Token and the reserved mobile phone number and returns it to the mobile phone business card system 200.

Then, in the acceptance stage, the mobile phone business card system 200 pushes the payment QR code to one of the mobile phone user 1, mobile phone user 2, and mobile phone user N. On the mobile phone user’s device, for example, in the address book "My Business Card" ”Is displayed, the merchant scans the payment QR code, and the payment QR code can be scanned by the merchant. The merchant provides the payment QR code to the payment system 100 through the acquiring system. The Token system 120 of the payment system 100 obtains the corresponding bank card information according to the corresponding relationship between the payment QR code and the Token and the reserved mobile phone number, which is completed by the payment core system 110 Acceptance.

As described above, the QR code payment method based on mobile phone business cards and the QR code payment system for mobile phone business cards according to the first embodiment of the present invention, compared with the traditional QR code binding card activation, under the premise of ensuring safety, The card binding work does not require users to download the client, and does not require users to input bank card information, which greatly reduces user operation time, lowers the threshold for binding the card, and increases the willingness to use.

Further, compared with the traditional QR code application and acceptance, the QR code payment method based on the mobile phone business card according to the first embodiment of the present invention does not need to download the mobile client, which reduces the dependence on the mobile client, and can pay without a client. , Which can reduce the implementation cost of QR code transactions and improve implementation efficiency.

Furthermore, according to the mobile phone business card-based QR code payment method and the mobile phone business card payment system of the QR code according to the first embodiment of the present invention, by using blockchain technology, the security of card binding activation is increased, and a mobile phone business card system is established. Mutual trust with the payment system, as well as traceability and non-repudiation, strengthen transaction security and risk prevention and control.

Furthermore, according to the mobile phone business card-based QR code payment method and the mobile phone business card QR code payment system according to the first embodiment of the present invention, the mobile phone business card, SIM mobile phone number, and bank reserved mobile phone number are compared and verified. In this way, there is no need for traditional client user identification, which avoids the systemic risks that may be caused by traditional mobile phone clients due to their own reasons.

Second Embodiment Next, a two-dimensional code payment method based on a mobile phone business card and a two-dimensional code payment system based on a mobile phone business card in the second embodiment of the present invention will be described.

The difference between the two-dimensional code payment method based on mobile phone business cards and the two-dimensional code payment system based on mobile business cards of the second embodiment and the first embodiment is that it does not use the technology of tokenizing bank card information, but uses system encoding. Replace Token, and replace TokenRefID with the system code feedback code.

Although the tokenization technology is not used in the second embodiment, the main flow is the same as that shown in Fig. 1. Therefore, refer to Fig. 1 for the mobile phone business card-based QR code payment method of the second embodiment. Be explained.

Similarly, the mobile phone business card-based QR code payment method of the second embodiment is also divided into three phases: the card binding phase, the QR code application phase, and the QR code acceptance phase.

First, explain the activation phase of the tied card.

The card binding activation stage includes steps S101 to S105 in FIG. 1.

Step S101: Initiate activation from the banking system to the payment system.

Specifically, users choose to activate the mobile business card payment function when handling bank card business at bank outlets or through various channels such as mobile banking and online banking. The banking system initiates a mobile phone business card QR code activation request to the payment system, including bank card activation, mobile phone number reservation, user mobile phone brand, etc.

Step S102: The payment system encodes the bank card.

Specifically, the payment system encodes the bank card, generates a system code and a system code feedback code, and returns the system code to the banking system. At the same time, establish the first mapping table of bank card, system code, system code feedback code, reserved cell phone number, cell phone brand and other information.

Step S103: The payment system sends the system encoding feedback code to the mobile phone business card system through the blockchain.

Step S104: The mobile phone business card system obtains the system code.

The mobile phone business card system uses asymmetric encryption to request the payment system to obtain the system code with the system code feedback code and its own public key, with signature data attached. The payment system verifies the signature, uses the public key of the mobile phone business card system to encrypt the system code and the bank’s reserved mobile phone number, attaches its own public key, and returns the signature to the other party. After the mobile phone business card system performs signature verification and decryption, it obtains the system code and the mobile phone number reserved by the bank.

Step S105: the system code is bound to the mobile phone business card system.

Specifically, the mobile phone business card system matches users whose personal business card mobile phone number and mobile device SIM card number are the same as the mobile phone number reserved by the bank among the associated mobile phone users. Bind the system code with the user's business card. After the binding is completed, the mobile phone business card system returns the binding result to the payment system, and the payment system returns to the banking system.

Next, explain the QR code application phase.

Step S106: When the user uses the mobile phone device to open (address book) my business card and uses the mobile phone business card system to initiate a QR code acquisition request, the mobile phone business card system verifies the consistency between the current device SIM card number and the reserved mobile phone number, and uses the business card The bound system code requests a payment QR code from the payment system.

Step S107: The payment system receives the system code and reserved mobile phone number sent by the mobile phone business card system, verifies the consistency of the system code and the reserved mobile phone number, and in the case of successful verification, the payment system generates a code and pre-defined Leave the payment QR code corresponding to the mobile phone number and return to the mobile phone business card system.

Finally, explain the acceptance stage of the QR code.

Step S108: The mobile phone business card system pushes the payment QR code to the user's mobile device (not shown), and displays it in My Business Card in the address book. The merchant scans the payment QR code and sends it to the payment system through the acquirer. The payment system obtains the corresponding bank card information and completes the acceptance according to the corresponding relationship between the payment QR code, the system code and the reserved mobile phone number.

According to the mobile phone business card-based QR code payment method of the second embodiment of the present invention, when a mobile phone user sends a payment request to the mobile phone business card system, the mobile phone business card system sends the payment request (including the system code and reserved mobile phone number) to the payment system , The payment system returns the payment QR code to the mobile phone business card system (the payment system generates the payment QR code corresponding to the system code and reserved mobile phone number according to the system code and reserved mobile phone number), and the mobile phone business card system will pay the QR code The code is returned to the mobile phone user, so that on the user’s mobile phone, for example, the "payment QR code" will be displayed in the column of my business card. The merchant scans the payment QR code and sends a payment completion request to the payment system (among which, the payment system Obtain the payment QR code, obtain the corresponding bank card information according to the corresponding relationship between the payment QR code, the system code and the reserved mobile phone number, and complete the payment deduction based on the bank card information).

As shown in FIG. 5, the mobile phone business card-based QR code payment system according to the second embodiment of the present invention includes a payment system 300 and a mobile phone business card system 400.

Among them, the payment system 300 includes: a payment core system 310, a system coding system 320, and a blockchain node module 330. The payment core system 310 performs various functions related to payment, and the system coding system 320 performs various functions related to the generation and management of system codes. The blockchain node module 330 completes the information interaction with the mobile phone business card system 400 based on the blockchain technology.

The mobile phone business card system 400 includes multiple mobile phone business card systems, such as a mobile phone business card system A, a mobile phone business card system B, and a mobile phone business card system M as shown in FIG. 5. These mobile phone business card systems can be classified according to device information, for example, they can be classified according to mobile phone brands, and multiple devices can be set up according to various device information of the mobile phone operating main system type.

The payment core system 310 is configured to receive a binding request from a banking system, where the binding request includes bank card information, reserved mobile phone number, device information, and other information. These binding requests can be submitted to the bank's core system through mobile banking, online banking, WeChat banking, bank counters, etc., and the bank's core system sends the request for opening the QR code function of the mobile phone business card to the payment system.

The system coding system 320 is used to generate the corresponding system code and system code feedback code according to the binding request and establish bank card information (such as bank card number), system code, system code feedback code, reserved mobile phone number and device information (such as Mobile phone brand) mapping relationship.

Further, the blockchain node module 330 can be regarded as a part of the payment system 300 and as a node of the blockchain, or can represent the entire payment system 300 as a node of the blockchain. The system encoding feedback code is sent from the payment system 300 to the mobile phone business card system 400 through the blockchain node module 330. Specifically, the payment system 300 itself or the blockchain node module 330, and each mobile phone business card system 400 are the member nodes of the alliance chain, and the alliance members reach consensus through the multi-center mutual trust of the blockchain. Each member node corresponds to a mobile phone business card system of a certain (or multiple) mobile phone brands, and has its own node address.

The blockchain node module 330 sends the system code feedback code to the node address of the mobile phone business card system corresponding to the mobile phone brand according to the device information, and confirms the sending on the alliance chain. After all the nodes on the chain confirm, the sending is completed. At this time, the system coding feedback code belongs to a certain node (mobile phone business card system 400) to obtain a consensus, and each node has a record.

After the mobile phone business card system 400 obtains the system encoding feedback code, it uses asymmetric encryption to request the payment system 300 to obtain the system encoding with the system encoding feedback code and its own public key, with signature data attached.

The system coding system of the payment system 300 verifies the signature, uses the public key of the mobile phone business card system 400 to encrypt the system code and the bank’s reserved mobile phone number, attaches its own public key and signs and returns it to the mobile phone business card system 400.

After the mobile phone business card system 400 performs signature verification and decryption, it obtains the system code and the mobile phone number reserved by the bank. The mobile phone business card system 400 matches users whose mobile phone number and mobile device SIM card number of the associated mobile phone user are the same as the mobile phone number reserved by the bank. The mobile phone business card system 400 binds the system code to the user's business card. After the binding is completed, the mobile phone business card system 400 returns the binding result to the payment system 300, and the payment system 300 returns the result to the banking system.

When a user uses a mobile phone device to open (address book) my business card, and then uses the mobile phone business card system 400 to initiate a two-dimensional code acquisition request, the mobile phone business card system 400 verifies the consistency of the current device SIM card number with the reserved mobile phone number, and is in school If the verification is passed, the system code bound to the business card is used to request a payment QR code from the payment system 300.

In the QR code application phase, the system coding system 310 of the payment system 300 receives the system code of the mobile phone business card system 400 and the reserved mobile phone number, verifies the consistency of the system code and the reserved mobile phone number, and in the case of successful verification The system coding system 320 of the payment system 300 generates a payment QR code corresponding to the system code and the reserved mobile phone number and returns it to the mobile phone business card system 400.

In the acceptance stage, the mobile phone business card system 400 pushes the payment QR code to the mobile phone user, and displays it in the address book "My Business Card" on the mobile phone user’s device. The merchant scans the payment QR code, and the payment QR code is displayed on the mobile phone user’s device. The code can be scanned by the merchant. The merchant provides the payment QR code to the payment system 300 through the acquiring system. The system encoding system 320 of the payment system 300 obtains the corresponding bank card information according to the corresponding relationship between the payment QR code and the system code and the reserved mobile phone number. The payment core system 310 completes the acceptance based on the bank card information.

As described above, the QR code payment method based on mobile phone business cards and the QR code payment system for mobile phone business cards according to the second embodiment of the present invention are compared with the traditional QR code binding card activation by converting bank card information into System coding can ensure security. Under this premise, the card binding work does not require users to download the client, and does not require users to input bank card information, which greatly reduces user operation time, lowers the threshold for binding cards, and increases the willingness to use.

Further, compared with the traditional QR code application and acceptance, the QR code payment method based on mobile business cards according to the second embodiment of the present invention does not require downloading the mobile client, reducing the dependence on the mobile client, and making payments without a client , Which can reduce the implementation cost of QR code transactions and improve implementation efficiency.

Furthermore, according to the two-dimensional code payment method based on mobile phone business cards and the two-dimensional code payment system for mobile business cards according to the second embodiment of the present invention, by using blockchain technology, the security of binding card activation is increased, and a mobile business card system is established. Mutual trust with the payment system, as well as traceability and non-repudiation, strengthen transaction security and risk prevention and control.

Furthermore, according to the mobile phone business card-based QR code payment method and the mobile phone business card QR code payment system according to the second embodiment of the present invention, the mobile phone business card, SIM mobile phone number, and bank reserved mobile phone number are compared and verified, etc. In this way, there is no need for traditional client user identification, which avoids the systemic risks that may be caused by traditional mobile phone clients due to their own reasons.

The third embodiment

Next, a two-dimensional code payment method based on a mobile phone business card and a two-dimensional code payment system based on a mobile phone business card in the third embodiment of the present invention will be described.

The difference between the mobile phone business card-based QR code payment method and the mobile phone business card-based QR code payment system of the third embodiment and the first embodiment is that the bank card information does not need to be tokenized, but the bank card information is directly used Proceed to the follow-up process.

Although the tokenization technology is not used in the third embodiment, the main flow is the same as that shown in Fig. 1. Therefore, refer to Fig. 1 for the mobile phone business card-based QR code payment method of the third embodiment. Be explained.

Similarly, the mobile phone business card-based QR code payment method of the third embodiment is also divided into three phases: the card binding phase, the QR code application phase, and the QR code acceptance phase.

First, explain the activation phase of the tied card.

The card binding activation stage includes steps S101 to S105 in FIG. 1.

Step S101: Initiate activation from the banking system to the payment system.

Specifically, users choose to activate the mobile business card payment function when they transact bank card business at bank outlets or through various channels such as mobile banking and online banking. The banking system initiates a mobile phone business card QR code activation request to the payment system, including opening bank card information, reserved mobile phone number, user's mobile phone brand, etc.

Step S102: The payment system generates the bank card feedback code corresponding to the bank card information according to the activation request, and saves the first mapping table of the correspondence between the bank card information, the bank card feedback code, the reserved mobile phone number, and the mobile phone brand .

Step S103: The payment system sends the bank card feedback code to the mobile phone business card system through the blockchain.

Step S104: The mobile phone business card system obtains bank card information.

The mobile phone business card system uses asymmetric encryption to request bank card information from the payment system with the bank card feedback code and its own public key, with signature data attached. The payment system verifies the signature, uses the public key of the mobile phone business card system to encrypt the bank card information and the bank’s reserved mobile phone number, attaches its own public key and signs, and returns it to the mobile phone business card system. After the mobile phone business card system performs signature verification and decryption, it obtains the bank card information and the mobile phone number reserved by the bank.

Step S105: the mobile phone business card system binds the bank card information.

Specifically, the mobile phone business card system matches users whose personal business card mobile phone number and mobile device SIM card number are the same as the mobile phone number reserved by the bank among the associated mobile phone users. Bind the bank card information with the user's business card. After the binding is completed, the mobile phone business card system returns the binding result to the payment system, and the payment system returns to the banking system.

Next, explain the QR code application phase.

Step S106: When the user uses the mobile phone device to open (address book) my business card and uses the mobile phone business card system to initiate a QR code acquisition request, the mobile phone business card system verifies the consistency between the current device SIM card number and the reserved mobile phone number, and uses the business card The bound bank card information requests a payment QR code from the payment system.

Step S107: The payment system receives the bank card information and the reserved mobile phone number sent by the mobile phone business card system, verifies the consistency of the bank card information and the reserved mobile phone number, and in the case of successful verification, the payment system generates the same as the bank card The information and the payment QR code corresponding to the reserved mobile phone number are returned to the mobile phone business card system.

Finally, explain the acceptance stage of the QR code.

Step S108: The mobile phone business card system pushes the payment QR code to the user's mobile device (not shown), and displays it in My Business Card in the address book. The merchant scans the payment QR code and sends it to the payment system through the acquirer. The payment system obtains the corresponding bank card information and completes the acceptance according to the corresponding relationship between the payment QR code, the bank card information and the reserved mobile phone number.

According to the mobile phone business card-based QR code payment method of the third embodiment of the present invention, when a mobile phone user sends a payment request to the mobile phone business card system, the mobile phone business card system sends the payment request (including bank card information and reserved mobile phone number) to the payment System, the payment system returns the payment QR code to the mobile phone business card system (the payment system generates the payment QR code corresponding to the bank card information and the reserved mobile phone number according to the bank card information and the reserved mobile phone number), and the mobile phone business card system will The payment QR code is returned to the mobile phone user, so that on the user’s mobile phone, for example, "Payment QR code" will be displayed in the column of my business card. The merchant scans the payment QR code and sends a payment completion request to the payment system (where , The payment system obtains the payment QR code, obtains the corresponding bank card information according to the corresponding relationship between the payment QR code, the bank card information and the reserved mobile phone number, and completes the payment deduction based on the bank card information).

As shown in FIG. 6, the mobile phone business card-based QR code payment system according to the first embodiment of the present invention includes: a payment system 500 and a mobile phone business card system 600.

Wherein, the payment system 500 includes: a payment core system 510 and a blockchain node module 520. The payment core system 510 completes various functions related to payment and various management functions related to bank card information. The blockchain node module 520 completes the information interaction with the mobile phone business card system 600 based on the blockchain technology.

The mobile phone business card system 600 includes multiple mobile phone business card systems, such as a mobile phone business card system A, a mobile phone business card system B, and a mobile phone business card system M as shown in FIG. 6. These mobile phone business card systems can be classified according to device information, for example, they can be classified according to mobile phone brands, and multiple devices can be set up according to various device information of the mobile phone operating main system type. Here, the mobile phone business card system 600 can be configured to correspond to various types of mobile phone devices of one brand or multiple brands.

The payment core system 510 is configured to receive a binding request from the banking system, where the binding request includes bank card information, reserved mobile phone number, device information, and other information.

The payment core system 510 is used to generate a bank card feedback code corresponding to the bank card information according to the binding request, and establish bank card information (such as bank card number), bank card feedback code, reserved mobile phone number, and device information (such as mobile phone number). Brand) mapping relationship.

Further, the blockchain node module 520 can be regarded as a part of the payment system 500, or can be a node of a blockchain representing the entire payment system 500. The bank card feedback code is sent from the payment system 500 to the mobile phone business card system 600 through the blockchain node module 520. Specifically, the payment system 500 itself or the block chain node module 520, and each mobile phone business card system 600 all serve as member nodes of the alliance chain, and the alliance members reach consensus through the multi-center mutual trust of the blockchain. Each member node corresponds to a mobile phone business card system of a certain (or multiple) mobile phone brands, and has its own node address.

The blockchain node module 520 sends the bank card feedback code to the node address of the mobile phone business card system corresponding to the mobile phone brand according to the device information, and confirms the sending on the alliance chain. After all the nodes on the chain confirm, the sending is completed. At this time, the bank card feedback code belongs to a certain node (mobile phone business card system 600) to obtain a consensus, and each node has a record.

After the mobile phone business card system 600 obtains the bank card feedback code, it uses asymmetric encryption to request the bank card information from the payment system 500 with the bank card feedback code and its own public key, with signature data attached.

The bank card information system of the payment system 500 verifies the signature, uses the public key of the mobile phone business card system 600 to encrypt the bank card information and the reserved mobile phone number, attaches its own public key and signs and returns it to the mobile phone business card system 600.

After the mobile phone business card system 600 performs signature verification and decryption, it obtains bank card information and reserves a mobile phone number. The mobile phone business card system 600 matches users whose mobile phone number and mobile device SIM card number of the associated mobile phone user are the same as the reserved mobile phone number. The mobile phone business card system 600 binds the bank card information with the user's business card. After the binding is completed, the mobile phone business card system 600 returns the binding result to the payment system 500, and the payment system 500 returns the result to the banking system.

When a user uses a mobile phone device to open (address book) my business card, and uses the mobile phone business card system 600 to initiate a two-dimensional code acquisition request, the mobile phone business card system 600 verifies the consistency of the current device SIM card number with the reserved mobile phone number, and is in school If the verification is passed, the bank card information bound to the business card is used to request a payment QR code from the payment system 500.

In the QR code application phase, the payment system 500 receives the bank card information of the mobile business card system 600 and the reserved mobile phone number, and verifies the consistency of the bank card information with the reserved mobile phone number. If the verification is successful, the payment system 500 generates a payment QR code corresponding to the bank card information and reserved mobile phone number and returns to the mobile phone business card system 600.

In the acceptance phase, the mobile phone business card system 600 pushes the payment QR code to the mobile phone user, and displays it in the address book "My Business Card" on the mobile phone user’s device. The merchant scans the payment QR code and the payment QR code is displayed on the mobile phone user’s device. The code can be scanned by the merchant. The merchant provides the payment QR code to the payment system 500 through the acquiring system. The payment system 500 obtains the corresponding bank card information according to the corresponding relationship between the payment QR code and the bank card information and the reserved mobile phone number. The payment core system 510 bases the payment on the bank. Card information is accepted.

As described above, according to the mobile phone business card-based QR code payment method and the mobile phone business card payment system of the QR code according to the third embodiment of the present invention, the card binding work does not require the user to download the client terminal and does not require the user to input bank card information. It greatly reduces user operation time, lowers the threshold for binding the card, and increases the willingness to use.

Further, compared with the traditional QR code application and acceptance, the QR code payment method based on the mobile phone business card according to the third embodiment of the present invention does not need to download the mobile client, which reduces the dependence on the mobile client, and can pay without a client. , Which can reduce the implementation cost of QR code transactions and improve implementation efficiency.

Furthermore, according to the mobile phone business card-based QR code payment method and the mobile phone business card payment system of the QR code according to the third embodiment of the present invention, by using blockchain technology, the security of binding card activation is increased, and a mobile phone business card system is established. Mutual trust with the payment system, as well as traceability and non-repudiation, strengthen transaction security and risk prevention and control.

Furthermore, according to the mobile phone business card-based QR code payment method and the mobile phone business card QR code payment system according to the third embodiment of the present invention, the mobile phone business card, SIM mobile phone number, and bank reserved mobile phone number are compared and verified. In this way, there is no need for traditional client user identification, which avoids the systemic risks that may be caused by traditional mobile phone clients due to their own reasons.

Fourth Embodiment The difference between the mobile phone business card-based QR code payment method and the mobile phone business card-based QR code payment system of the fourth embodiment and the fourth embodiment is that the payment core system 710 does not exist separately in the fourth embodiment. Instead, the payment core system in the payment system has the Token management capability and can execute the actions of the payment core system 710 in the fourth embodiment.

Although the Token system is not separately provided in the fourth embodiment, the main flow is basically the same as the flow shown in FIG. 1, and the description is omitted here.

As shown in FIG. 7, the mobile phone business card-based QR code payment system according to the fourth embodiment of the present invention includes: a payment system 700 and a mobile phone business card system 800.

Among them, the payment system 700 includes: a payment core system 710 and a blockchain node module 720.

The payment core system 710 completes various functions related to payment and completes various functions related to Token generation and management. The blockchain node module 720 completes the information interaction with the mobile phone business card system 800 based on the blockchain technology.

The mobile phone business card system 800 includes a mobile phone business card system A, a mobile phone business card system B, ... a plurality of mobile phone business card systems of the mobile phone business card system M. These mobile phone business card systems can be classified according to device information, for example, they can be classified according to mobile phone brands, and multiple devices can be set up according to various device information of the mobile phone operating main system type.

Wherein, the payment core system 710 is configured to receive a binding request from a banking system, where the binding request includes bank card information, reserved mobile phone number, device information, and other information. These binding requests can be submitted to the bank's core system through mobile banking, online banking, WeChat banking, bank counters, etc., and the bank's core system sends the request for opening the QR code function of the mobile phone business card to the payment system.

The payment core system 710 is used to generate corresponding Token and TokenRefID according to the binding request and establish the mapping relationship of bank card information (such as bank card number), Token, TokenRefID, reserved mobile phone number, and device information (such as mobile phone brand). This mapping relationship is called the first mapping table.

Further, the blockchain node module 720 can be regarded as a part of the payment system 700 as a node of the blockchain, or can represent the entire payment system 700 as a node of the blockchain. The TokenRefID is sent from the payment system 700 to the mobile phone business card system 800 through the blockchain node module 720. Specifically, the blockchain node module 720 of the payment system 700 and each mobile phone business card system 800 serve as the member nodes of the alliance chain, and the alliance members reach a consensus through the multi-center mutual trust of the blockchain. Each blockchain node module 720 sends the TokenRefID to the node address of the mobile phone business card system corresponding to the mobile phone brand according to the device information, and confirms the sending on the alliance chain. After all the nodes on the chain confirm, the sending is completed. At this time, the TokenRefID belongs to a certain node (mobile phone business card system 800) to obtain a consensus, and each node has a record.

After the mobile phone business card system 800 obtains the TokenRefID, it uses asymmetric encryption to request the payment system 700 to obtain the Token with the TokenRefID and its own public key, with signature data attached.

The payment core system 710 verifies the signature, uses the public key of the mobile phone business card system 800 to encrypt the Token and the bank’s reserved mobile phone number, attaches its own public key and signs, and returns it to the mobile phone business card system 800.

After the mobile phone business card system 800 performs signature verification and decryption, it obtains a Token and a mobile phone number reserved by the bank. The mobile phone business card system 800 matches users whose mobile phone number and mobile phone device SIM card number of the associated mobile phone user are the same as the mobile phone number reserved by the bank. The mobile phone business card system 800 binds the Token to the user's business card. After the binding is completed, the mobile phone business card system 800 returns the binding result to the payment system 700, and the payment system 700 returns the result to the banking system.

When a user uses a mobile phone device to open (address book) my business card, and uses the mobile phone business card system 800 to initiate a QR code acquisition request, the mobile phone business card system 800 verifies the consistency of the current device SIM card number with the reserved mobile phone number, and is in school If the verification is passed, the Token bound to the business card is used to request the payment system 700 for the payment QR code.

In the QR code application phase, the payment core system 710 receives the Token sent from the mobile phone business card system and the reserved mobile phone number, and verifies the consistency between the Token and the reserved mobile phone number. If the verification is successful, the payment core system 710 The payment QR code corresponding to the Token and the reserved mobile phone number is generated and returned to the mobile phone business card system 800.

Then, in the acceptance stage, the mobile phone business card system 800 pushes the payment QR code to one of the mobile phone user 1, mobile phone user 2, and mobile phone user N. On the mobile phone user’s device, for example, in the address book "My Business Card" ”Is displayed, the merchant scans the payment QR code, and the payment QR code can be scanned by the merchant. The merchant provides the payment QR code to the payment system 700 through the acquiring system. The payment core system 710 obtains corresponding bank card information according to the corresponding relationship between the payment QR code, the Token and the reserved mobile phone number, and the payment core system 710 completes the acceptance.

As described above, the QR code payment method based on mobile phone business cards and the QR code payment system for mobile phone business cards according to the fourth embodiment of the present invention, compared with the traditional QR code binding card activation, under the premise of ensuring safety, The card binding work does not require users to download the client, and does not require users to input bank card information, which greatly reduces user operation time, lowers the threshold for binding the card, and increases the willingness to use.

Further, compared with the traditional QR code application and acceptance, the QR code payment method based on the mobile phone business card according to the fourth embodiment of the present invention does not need to download the mobile client, which reduces the dependence on the mobile client, and can pay without a client. , Which can reduce the implementation cost of QR code transactions and improve implementation efficiency.

Furthermore, according to the mobile phone business card-based QR code payment method and the mobile phone business card payment system of the QR code according to the fourth embodiment of the present invention, by using blockchain technology, the security of card binding activation is increased, and a mobile phone business card system is established. Mutual trust with the payment system, as well as traceability and non-repudiation, strengthen transaction security and risk prevention and control.

Furthermore, according to the mobile phone business card-based QR code payment method and the mobile phone business card QR code payment system according to the fourth embodiment of the present invention, the mobile phone business card, SIM mobile phone number, and bank-reserved mobile phone number are compared and verified, etc. In this way, there is no need for traditional client user identification, which avoids the systemic risks that may be caused by traditional mobile phone clients due to their own reasons.

Furthermore, according to the mobile phone business card-based QR code payment method and the mobile phone business card QR code payment system according to the fourth embodiment of the present invention, for the payment system, there is no need to set up a Token system separately, as long as the payment core system itself It is enough to have the ability to produce and manage tokens.

Hereinafter, the above-mentioned embodiment is modified and modified examples 1 to 3 are briefly described.

Modification 1 In the first to fourth embodiments of the mobile phone business card-based QR code payment method and the mobile phone business card-based QR code payment system, blockchain technology is used between the payment system and the mobile phone business card system Realizing information interaction, as a variant, can also replace blockchain technology, but adopt a point-to-point transmission method. In this way, the security of the data can also be guaranteed.

Modification 2 In the mobile phone business card-based QR code payment method of the first to fourth embodiments and the mobile phone business card-based QR code payment system, the QR code can be set before the QR code is displayed during the QR code acceptance process The mobile phone business card system performs additional auxiliary verification for users, such as fingerprint verification, face verification, and password verification.

Modification 3 In the opening phase of the tied card, in addition to binding bank card information, reserved mobile phone number, and user's mobile phone brand, auxiliary verification information, such as name, ID number, address, etc., can also be added.

As a result, the security of payment can be further improved.

In addition, in the opening phase of the card binding, the binding relationship between other security elements such as mobile phone device information and the Token can be further increased, which can further improve the security of payment and provide more risk control protection.

Modification 4

In the above embodiments, in the process of acquiring bank card information by the mobile phone business card system, the mobile phone business card system uses asymmetric encryption to request the payment system for the bank card information with the bank card feedback code and its own public key, with signature data attached. . The payment system verifies the signature, uses the public key of the mobile phone business card system to encrypt the bank card information and the bank’s reserved mobile phone number, attaches its own public key and signs and returns it to the mobile phone business card system. In addition to this public key exchange method, the payment system and the mobile phone business card system can also be set up in other pre-appointed forms.

The present invention also provides a computer-readable medium on which a computer program is stored, and when the computer program is executed by a processor, the above-mentioned two-dimensional code payment method based on a mobile phone business card is realized.

The present invention also provides a computer device, including a storage module, a processor, and a computer program stored on the storage module and capable of running on the processor. When the processor executes the computer program, the above-mentioned two mobile phone business cards are implemented. Dimension code payment method.

The above examples mainly illustrate the two-dimensional code payment method based on mobile phone business cards and the two-dimensional code payment system based on mobile phone business cards of the present invention. Although only some of the specific embodiments of the present invention have been described, those of ordinary skill in the art should understand that the present invention can be implemented in many other forms without departing from its spirit and scope. Therefore, the examples and implementations shown are regarded as illustrative rather than restrictive. The present invention may cover various modifications without departing from the spirit and scope of the present invention as defined by the appended claims. And replace.

Claims

A two-dimensional code payment method based on a mobile phone business card is implemented by a payment system and a mobile phone business card system, and is characterized in that it includes the following steps:

In the two-dimensional code acquisition step, the mobile phone business card system initiates a two-dimensional code acquisition request to the payment system, where the two-dimensional code acquisition request includes account information bound to the mobile phone business card, and the payment system returns the corresponding account information Payment QR code; and

In the QR code acceptance step, the mobile business card system pushes the obtained payment QR code to the user, and completes the payment acceptance based on the corresponding account information based on the payment QR code.

Among them, the payment system generates the account feedback code corresponding to the account information and establishes the first mapping table of the account feedback code, account information, mobile phone number, and device information at the same time. The mobile business card system interacts with the payment system based on the mobile phone number and advance The stored second mapping table representing the correspondence between the mobile phone number and the mobile phone business card realizes the binding of the account information and the mobile phone business card.
The method for payment of a two-dimensional code based on a mobile phone business card of claim 1, wherein before the step of obtaining the two-dimensional code comprises:

In the request receiving step, the payment system receives a binding request, where the binding request includes account information, mobile phone number, and device information;

In the mapping establishment step, the payment system generates an account feedback code corresponding to the account information based on the binding request, and at the same time establishes a first mapping table of the account feedback code, account information, mobile phone number, and device information;

In the distribution step, the payment system sends the account feedback code to the mobile phone business card system according to the device information;

In the account acquisition step, the mobile business card system requests account information from the payment system based on the account feedback code, and the mobile business card system obtains the account information and mobile phone number corresponding to the account feedback code from the payment system; and

In the binding step, the mobile phone business card system matches the obtained mobile phone number with a pre-stored second mapping table indicating the correspondence between the mobile phone number and the mobile phone business card, and realizes the binding of the account information and the mobile phone business card.
The two-dimensional code payment method based on mobile phone business cards as claimed in claim 2, characterized in that:

In the mapping establishment step, the payment system generates a Token corresponding to account information as the account feedback code based on the binding request, and generates a Token feedback identification code corresponding to the Token, and at the same time in the first mapping The table further establishes the correspondence between account information, Token, Token feedback identification code, mobile phone number and device information;

In the distribution step, the payment system sends the Token feedback identification code to the mobile phone business card system according to the device information,

In the account acquisition step, the mobile phone business card system requests a Token from the payment system based on the Token feedback identification code, and the mobile business card system obtains the Token and the mobile phone number corresponding to the Token feedback identification code from the payment system.

In the binding step, matching is performed based on the second mapping table and the binding of the Token and the mobile phone business card is realized.
The two-dimensional code payment method based on mobile phone business cards as claimed in claim 3, characterized in that,

In the distribution step, the payment system sends the Token feedback identification code to the mobile phone business card system in a point-to-point manner.
The two-dimensional code payment method based on mobile phone business cards as claimed in claim 3, characterized in that,

In the distribution step, the payment system sends the Token feedback identification code to the mobile phone business card system through the blockchain.
The two-dimensional code payment method based on mobile phone business cards as claimed in claim 3, characterized in that,

The account acquisition step includes the following sub-steps:

The mobile phone business card system uses asymmetric encryption to request the Token from the payment system with the Token feedback identification code;

The payment system obtains the corresponding Token and mobile phone number according to the first mapping table according to the Token feedback identification code, encrypts them in an asymmetric manner, and returns to the mobile phone business card system; and

The mobile phone business card system decrypts to obtain the Token and mobile phone number.
The two-dimensional code payment method based on mobile phone business cards according to claim 6, characterized in that:

The binding step includes the following sub-steps:

The mobile phone business card system matches the obtained mobile phone number with the second mapping table;

Bind the mobile phone business card matching the mobile phone number with the obtained Token; and

The binding result is fed back to the payment system.
The two-dimensional code payment method based on mobile phone business cards as claimed in claim 3, characterized in that,

The step of acquiring the two-dimensional code includes the following sub-steps:

The mobile phone business card system verifies the consistency of the current device's SIM card number and mobile phone number;

In the case of passing the verification, initiate a QR code acquisition request to the payment system with the Token and mobile phone number bound to the mobile phone business card; and

The payment system verifies the consistency of the Token and the mobile phone number based on the two-dimensional code acquisition request, and returns the payment two-dimensional code corresponding to the Token to the mobile business card system if the verification is passed.
The two-dimensional code payment method based on mobile phone business cards as claimed in claim 3, characterized in that,

In the two-dimensional code acceptance step, an auxiliary verification for the mobile phone user to verify is further set before the payment acceptance is completed.
The two-dimensional code payment method based on mobile phone business cards as claimed in claim 2, characterized in that:

In the mapping establishment step, the payment system generates a system code corresponding to the account information as the account feedback code based on the binding request, and generates a system code feedback code corresponding to the system code, and at the same time, in the first The mapping table further establishes the correspondence between account information, system code, system code feedback code, mobile phone number, and device information.

In the distribution step, the payment system sends the system encoding feedback code to the mobile phone business card system according to the device information,

In the account acquisition step, the mobile business card system requests a system code from the payment system based on the system encoding feedback code, and the mobile business card system obtains the system code and mobile phone number corresponding to the system encoding feedback code from the payment system,

In the binding step, matching is performed based on the second mapping table and the binding of the system code and the mobile phone business card is realized.
A two-dimensional code payment method based on a mobile phone business card, which is characterized in that it comprises the following steps:

The QR code providing step is to receive a request for obtaining a QR code from the outside, where the request for obtaining the QR code includes account information and a mobile phone number bound to the mobile phone business card, wherein the mobile phone business card is bound based on the mobile phone number and the account information According to the account information and mobile phone number, provide an external payment QR code; and

The QR code acceptance step is to receive the payment QR code from the outside, and complete the payment acceptance based on the corresponding account information based on the payment QR code,

Wherein, the account feedback code corresponding to the account information is generated and the first mapping table of the account information, the account feedback code, the mobile phone number, and the device information is established at the same time.
The two-dimensional code payment method based on mobile phone business cards according to claim 11, characterized in that, before the step of providing the two-dimensional code, it further comprises:

The request receiving step is to receive a binding request, where the binding request includes account information, mobile phone number, and device information;

A mapping establishment step, generating an account feedback code corresponding to account information based on the binding request, and at the same time establishing the first mapping table of account information, account feedback code, mobile phone number, and device information;

In the distribution step, the account feedback code is sent to the outside according to the device information; and

The account providing step is to receive a request for account information based on the account feedback code from the outside, query the account information and mobile phone number corresponding to the account feedback code based on the request, and send it to the outside.
The two-dimensional code payment method based on mobile phone business cards as claimed in claim 12, characterized in that:

In the mapping establishment step, a Token corresponding to account information is generated as the account feedback code based on the binding request, and a Token feedback identification code corresponding to the Token is generated, and at the same time, the first mapping table is further Establish the correspondence between account information, Token, Token feedback identification code, mobile phone number, and device information,

In the distribution step, the Token feedback identification code is sent to the outside according to the device information,

In the account providing step, a request for account information based on the Token feedback identification code is received from the outside, and the Token and mobile phone number corresponding to the Token feedback identification code are inquired based on the request and sent to the outside.
The two-dimensional code payment method based on mobile phone business cards as claimed in claim 13, characterized in that:

In the distribution step, the Token feedback identification code is sent to the outside in a point-to-point manner.
The two-dimensional code payment method based on mobile phone business cards as claimed in claim 13, characterized in that:

In the distribution step, the Token feedback identification code is sent to the outside through the blockchain.
The two-dimensional code payment method based on mobile phone business cards as claimed in claim 15, characterized in that:

In the two-dimensional code acceptance step, an auxiliary verification for the mobile phone user to verify is further set before the payment acceptance is completed.
A two-dimensional code payment system based on mobile phone business cards, which is characterized by comprising: a payment system and a mobile phone business card system,

Among them, the payment system includes:

Payment core system for execution and payment functions;

Token system for generating and managing Token;

A blockchain node module used as a node of the blockchain to realize information interaction with the mobile phone business card system. The mobile phone business card system is used to interact with the payment system and realize the binding of the mobile phone business card based on the Token.
The two-dimensional code payment system based on mobile phone business cards as claimed in claim 17, characterized in that:

The payment core system is used to receive a binding request, where the binding request includes account information, mobile phone number, and device information,

The Token system is used to generate a corresponding Token and a Token feedback identification code corresponding to the Token according to the binding request, and establish a first mapping table of account information, Token, Token feedback identification code, mobile phone number, and device information,

The blockchain node module sends the Token feedback identification code to the mobile phone business card system corresponding to the device information according to the device information,

After the mobile phone business card system obtains the Token feedback identification code, it requests the payment system to obtain the Token based on the Token feedback identification code,

The Token system returns the corresponding Token and mobile phone number to the mobile phone business card system according to the request from the mobile phone business card system,

The mobile phone business card system binds the Token and the mobile phone business card based on obtaining the Token and the mobile phone number.
The two-dimensional code payment system based on mobile phone business cards as claimed in claim 18, characterized in that,

The mobile phone business card system is used to request a payment QR code from the payment system based on the Token bound to the mobile phone business card,

The payment core system generates the Token and the corresponding payment QR code according to the request from the mobile phone business card system and returns it to the mobile phone business card system.
The two-dimensional code payment system based on mobile phone business cards as claimed in claim 18, characterized in that,

The mobile phone business card system is used to provide the payment QR code to the user,

The Token system obtains account information corresponding to the Token according to the payment QR code, and the payment core system is used to complete the acceptance based on the account information.
The two-dimensional code payment system based on mobile phone business cards as claimed in claim 18, characterized in that,

The block chain node module sends the Token feedback identification code to the mobile phone business card system through the block chain.
A payment system, characterized in that it comprises:

Payment core system for execution and payment functions;

Token system for generating and managing Token; and

A blockchain node module used as a node of the blockchain to realize information interaction with the outside.
The payment system of claim 22, wherein:

The payment core system is used to receive a binding request, where the binding request includes account information, mobile phone number, and device information,

The Token system is used to generate a corresponding Token and a Token feedback identification code corresponding to the Token according to the binding request, and establish a first mapping table of account information, Token, Token feedback identification code, mobile phone number, and device information,

The blockchain node module sends the Token feedback identification code to the external mobile phone business card system corresponding to the device information according to the device information,

After the mobile phone business card system obtains the Token feedback identification code, it requests the payment system to obtain the Token based on the Token feedback identification code,

The Token system returns the Token feedback identification code and the corresponding Token and mobile phone number to the external mobile phone business card system according to a request from an external mobile phone business card system to obtain a Token based on the Token feedback identification code, wherein the Token is Binding with mobile phone business card.
The payment system of claim 23, wherein:

The core payment system generates the Token and the corresponding payment QR code according to the request from the external mobile phone business card system.
A two-dimensional code payment system based on mobile phone business cards, which is characterized by comprising: a payment system and a mobile phone business card system,

Wherein, the payment system includes:

Payment core system, used to realize payment functions;

System coding system, used to realize the generation and management of system coding; and

The block chain node module completes the information interaction with the mobile phone business card system based on the block chain technology. The mobile phone business card system is used to interact with the payment system and bind the mobile phone business card based on the above system code.
The two-dimensional code payment system based on mobile phone business cards as claimed in claim 25, characterized in that:

The payment core system is used to receive a binding request, where the binding request includes account information, mobile phone number, and device information,

The system coding system is used to generate the corresponding system code and the system code feedback code corresponding to the system code according to the binding request, and establish the account information, system code, system code feedback code, mobile phone number, and device information. A mapping table,

The blockchain node module sends the system encoding feedback code to the mobile phone business card system corresponding to the device information according to the device information,

After the mobile phone business card system obtains the system code feedback code, it requests the payment system to obtain the system code based on the system code feedback code,

The system encoding system returns the corresponding system code and mobile phone number to the mobile phone business card system according to the request from the mobile phone business card system,

The mobile phone business card system binds the system code with the mobile phone business card based on obtaining the system code and the mobile phone number.
The two-dimensional code payment system based on mobile phone business cards of claim 26, wherein:

The mobile phone business card system is used to request a payment QR code from the payment system based on the system code bound to the mobile phone business card,

According to the request from the mobile phone business card system, the core payment system generates a system code and a corresponding payment QR code and returns it to the mobile phone business card system.
The two-dimensional code payment system based on mobile phone business cards as claimed in claim 26, characterized in that:

The mobile phone business card system is used to provide the payment QR code to the user,

The system coding system obtains account information corresponding to the system code according to the payment QR code, and the payment core system is used to complete the acceptance based on the account information.
The two-dimensional code payment system based on mobile phone business cards as claimed in claim 26, characterized in that:

The block chain node module sends the system coding feedback code to the mobile phone business card system through the block chain.
A payment system, characterized in that it comprises:

Payment core system, used to realize payment functions;

System coding system, used to realize the generation and management of system coding; and

The block chain node module is based on block chain technology to complete the information interaction with the external mobile phone business card system.
The payment system of claim 30, wherein:

The payment core system is used to receive a binding request, where the binding request includes account information, mobile phone number, and device information,

The system coding system is used to generate the corresponding system code and the system code feedback code corresponding to the system code according to the binding request, and establish the account information, system code, system code feedback code, mobile phone number, and device information. A mapping table,

The blockchain node module sends the system encoding feedback code to the external mobile phone business card system corresponding to the device information according to the device information,

The system coding system returns the corresponding system code and mobile phone number to the external mobile phone business card system according to the request from the external mobile phone business card system.
The payment system according to claim 31, wherein:

The block chain node module sends the system coding feedback code to the external mobile phone business card system through the block chain.
A computer-readable medium on which a computer program is stored, characterized in that:

When the computer program is executed by the processor, the mobile phone business card-based QR code payment method according to any one of claims 1 to 14 is realized.
A computer device, comprising a storage module, a processor, and a computer program stored on the storage module and running on the processor, wherein the processor implements any one of claims 1 to 14 when the computer program is executed. The two-dimensional code payment method based on the mobile phone business card described in the item.