阅读说明：本技术 二维码支付防盗刷方法及系统、存储介质及终端 (Two-dimensional code payment anti-theft method and system, storage medium and terminal ) 是由 张飞 严永峰 郑志华 路龙飞 于 2019-09-24 设计创作，主要内容包括：本发明提供一种二维码支付防盗刷方法及系统、存储介质及终端,包括以下步骤：扫描用户设备显示的下单二维码,获取所述下单二维码包含的下单流水信息、用户标识信息和用户设备信息并发送至支付服务器进行校验,以使所述支付服务器校验通过后发送支付验证信息至所述用户设备；扫描所述用户设备显示的支付二维码,获取所述支付二维码包含的用户标识信息、用户设备信息和支付校验信息并发送至所述支付服务器进行校验,以使所述支付服务器校验通过后完成金额支付。本发明的二维码支付防盗刷方法及系统、存储介质及终端通过展示两次二维码来实现订单支付,保证了二维码支付的安全性,避免了被盗刷的风险。(The invention provides two-dimension code payment anti-theft swiping method and system, a storage medium and a terminal, which comprises the following steps of scanning a ordering two-dimension code displayed by user equipment, acquiring ordering flow information, user identification information and user equipment information contained in the ordering two-dimension code, sending the ordering flow information, the user identification information and the user equipment information to a payment server for verification, sending payment verification information to the user equipment after the payment server passes verification, scanning the payment two-dimension code displayed by the user equipment, acquiring the user identification information, the user equipment information and the payment verification information contained in the payment two-dimension code, sending the user identification information, the user equipment information and the payment verification information to the payment server for verification, and finishing payment of money after the payment server passes verification.)

The two-dimensional code payment anti-theft brushing method is applied to a scanning terminal and is characterized by comprising the following steps:

scanning a ordering two-dimensional code displayed by user equipment, and acquiring ordering flow information, user identification information and user equipment information contained in the ordering two-dimensional code;

sending the lower single-flow information, the user identification information, the user equipment information and the scanning terminal information to a payment server for verification and storing the binding relationship between the user equipment and the scanning terminal, so that the payment server sends payment verification information to the user equipment after verification is passed;

scanning the payment two-dimensional code displayed by the user equipment to acquire user identification information, user equipment information and payment verification information contained in the payment two-dimensional code;

and sending the user identification information, the user equipment information, the payment verification information and the scanning terminal information to the payment server for verification so as to complete the payment of the amount after the verification of the payment server is passed.

2. The two-dimensional code payment anti-theft brushing method according to claim 1, characterized in that: the scanning terminal communicates with the payment server through a merchant server.

3, two-dimensional code payment anti-theft system, applied to scanning terminals, and characterized by comprising a ordering scanning module, a th sending module, a payment scanning module and a second sending module;

the ordering scanning module is used for scanning an ordering two-dimensional code displayed by user equipment to acquire ordering information, user identification information and user equipment information contained in the ordering two-dimensional code;

the th sending module is configured to send the next single-flow information, the user identification information, the user equipment information, and the scanning terminal information to a payment server for verification and to store a binding relationship between the user equipment and the scanning terminal, so that the payment server sends payment verification information to the user equipment after verification passes;

the payment scanning module is used for scanning the payment two-dimensional code displayed by the user equipment and acquiring user identification information, user equipment information and payment verification information contained in the payment two-dimensional code;

the second sending module is used for sending the user identification information, the user equipment information, the payment verification information and the scanning terminal information to the payment server for verification, so that the payment server completes the payment of the amount after verification passes.

Storage medium , on which a computer program is stored, characterized in that the program, when being executed by a processor, carries out a two-dimensional code payment anti-piracy method as claimed in claim 1 or 2.

5, scan terminal, which is characterized in that it comprises processor and memory;

the memory is used for storing a computer program;

the processor is used for executing the computer program stored in the memory so as to enable the scanning terminal to execute the two-dimensional code payment anti-theft brushing method in claim 1 or 2.

6, two-dimensional code payment anti-theft system, which is characterized in that the system comprises the scanning terminal, the user equipment and the payment server of claim 5;

the payment server is used for storing the user identification information and the user equipment information sent by the user equipment, generating associated order flow information and sending the associated order flow information to the user equipment; verifying the received information of the next order flow, the user identification information, the user equipment information and the scanning terminal information, sending payment verification information to the user equipment after the verification is passed, and recording the association relationship between the user equipment and the scanning equipment; verifying the user identification information, the user equipment information, the payment verification information and the scanning terminal information received in the payment process, and completing the payment after the verification is passed;

the user equipment is used for sending user identification information and user equipment information to the payment server, generating ordering two-dimensional codes according to ordering flow information, user identification information and user equipment information issued by the payment server, and generating payment two-dimensional codes according to payment verification information issued by the payment server.

7. The two-dimensional code payment anti-theft system according to claim 6, wherein: when checking the received information of the order flow, the user identification information, the user equipment information and the scanning terminal information, the payment server checks whether the received user identification information and the user equipment information are changed or not according to the previously acquired user identification information and the user equipment information which are associated with the information of the order flow.

8. The two-dimensional code payment anti-theft system according to claim 6, wherein the payment server checks whether the user identification information, the user equipment information and the scanning terminal information received twice are -fold respectively and checks the payment checking information when checking the received user identification information, the user equipment information, the payment checking information and the scanning terminal information.

9. The two-dimensional code payment anti-theft system according to claim 6, wherein: the payment server is further used for sending payment feedback information to the user equipment and the scanning terminal.

10, kinds of two-dimensional code payment anti-theft method, which is characterized by comprising the following steps:

the user equipment sends the user identification information and the user equipment information to the payment server;

the payment server generates order flow information and sends the order flow information to the user equipment;

the user equipment generates a ordering two-dimensional code according to the ordering flow information, the user identification information and the user equipment information so as to be scanned by a scanning terminal;

the scanning terminal scans the order two-dimensional code displayed by the user equipment to acquire order flow information, user identification information and user equipment information contained in the order two-dimensional code; sending the order issuing information, the user identification information, the user equipment information and the scanning terminal information to the payment server;

the payment server verifies the information of the downloading single flow, the user identification information and the user equipment information, sends payment verification information to the user equipment after the verification is passed, and establishes an association relationship between the user equipment and the scanning equipment;

the user equipment generates a payment two-dimensional code according to the user identification information, the user equipment information and the payment verification information;

the scanning terminal scans the payment two-dimensional code displayed by the user equipment to acquire user identification information, user equipment information and payment verification information contained in the payment two-dimensional code; sending the user identification information, the user equipment information, the payment verification information and the scanning terminal information to the payment server;

and the payment server verifies the user identification information, the user equipment information, the payment verification information and the scanning terminal information, and completes the payment of the amount after the verification is passed.

Technical Field

The invention relates to the technical field of mobile payment, in particular to an two-dimensional code payment anti-theft method and system, a storage medium and a terminal.

Background

The two-dimensional code (2-dimensional bar code) is also called two-dimensional bar code, it adopts a certain specific geometric figure and records data symbol information according to the black and white alternative figure distributed on the plane (two-dimensional direction) according to rule, and skillfully utilizes the concept of "0" and "1" bit stream forming the internal logic basis of computer in code formulation, and uses several geometric forms corresponding to binary system to represent literal numerical information, and utilizes image input equipment or photoelectric scanning equipment to automatically read so as to implement automatic information processing, and the two-dimensional code has commonalities of bar code technology:

(1) each code system has its specific character set;

(2) each character occupies a certain width;

(3) definite verification function;

(4) the method has the functions of automatically identifying information of different rows and processing the graph rotation change points.

Disclosure of Invention

In view of the above disadvantages of the prior art, the present invention aims to provide methods and systems for payment anti-fraud of two-dimension codes, a storage medium, and a terminal, which enable order payment by displaying two-dimension codes twice, thereby ensuring the security of two-dimension code payment and avoiding the risk of fraud.

The invention provides an two-dimensional code payment anti-theft brushing method which is applied to a scanning terminal and comprises the following steps of scanning a lower order two-dimensional code displayed by user equipment, acquiring lower order flow information, user identification information and user equipment information contained in the lower order two-dimensional code, sending the lower order flow information, the user identification information, the user equipment information and the scanning terminal information to a payment server for verification, storing the incidence relation between the user equipment and the scanning terminal, sending payment verification information to the user equipment after the payment server passes the verification, scanning the payment two-dimensional code displayed by the user equipment, acquiring the user identification information, the user equipment information and the payment verification information contained in the payment two-dimensional code, and sending the user identification information, the user equipment information, the payment verification information and the scanning terminal information to the payment server for verification so that the payment server completes money payment after the payment server passes the verification.

In an embodiment of the present invention, the scanning terminal communicates with the payment server through a merchant server.

Correspondingly, the invention provides two-dimensional code payment anti-theft system, which is applied to a scanning terminal and comprises a ordering scanning module, a sending module, a payment scanning module and a second sending module;

the ordering scanning module is used for scanning an ordering two-dimensional code displayed by user equipment to acquire ordering information, user identification information and user equipment information contained in the ordering two-dimensional code;

the th sending module is configured to send the next single-flow information, the user identification information, the user equipment information, and the scanning terminal information to a payment server for verification, and store an association relationship between the user equipment and the scanning terminal, so that the payment server sends payment verification information to the user equipment after verification is passed;

the payment scanning module is used for scanning the payment two-dimensional code displayed by the user equipment and acquiring user identification information, user equipment information and payment verification information contained in the payment two-dimensional code;

the second sending module is used for sending the user identification information, the user equipment information, the payment verification information and the scanning terminal information to the payment server for verification, so that the payment server completes the payment of the amount after verification passes.

The present invention provides storage media having stored thereon a computer program that, when executed by a processor, implements the two-dimensional code payment anti-piracy method described above.

The invention provides kinds of scanning terminals, including processor and memorizer;

the memory is used for storing a computer program;

the processor is used for executing the computer program stored in the memory so as to enable the scanning terminal to execute the two-dimensional code payment anti-theft method.

The invention provides two-dimensional code payment anti-theft system, which comprises the scanning terminal, user equipment and a payment server;

the payment server is used for storing the user identification information and the user equipment information sent by the user equipment, generating associated order flow information and sending the associated order flow information to the user equipment; verifying the received information of the next order flow, the user identification information, the user equipment information and the scanning terminal information, sending payment verification information to the user equipment after the verification is passed, and recording the association relationship between the user equipment and the scanning equipment; verifying the user identification information, the user equipment information, the payment verification information and the scanning terminal information received in the payment process, and completing the payment after the verification is passed;

the user equipment is used for sending user identification information and user equipment information to the payment server, generating ordering two-dimensional codes according to ordering flow information, user identification information and user equipment information issued by the payment server, and generating payment two-dimensional codes according to payment verification information issued by the payment server.

In the embodiment of the present invention, when checking the received downstream information, the user identification information, the user equipment information, and the scanning terminal information, the payment server first checks whether the received user identification information and the user equipment information change from the associated user identification information and the associated user equipment information , respectively, according to the previously acquired user identification information and user equipment information associated with the downstream information.

In the embodiment of the present invention, when verifying the received user id information, user equipment information, payment verification information, and scanning terminal information, the payment server verifies whether the user id information, user equipment information, and scanning terminal information received twice are identical, and verifies the payment verification information.

In an embodiment of the present invention, the payment server is further configured to send payment feedback information to the user equipment and the scanning terminal.

Finally, the invention provides an two-dimensional code payment anti-theft brushing method, which comprises the following steps:

the user equipment sends the user identification information and the user equipment information to the payment server;

the payment server generates order flow information and sends the order flow information to the user equipment;

the user equipment generates a ordering two-dimensional code according to the ordering flow information, the user identification information and the user equipment information so as to be scanned by a scanning terminal;

the scanning terminal scans the order two-dimensional code displayed by the user equipment to acquire order flow information, user identification information and user equipment information contained in the order two-dimensional code; sending the order issuing information, the user identification information, the user equipment information and the scanning terminal information to the payment server;

the payment server verifies the order flow information, the user identification information and the user equipment information, and sends payment verification information to the user equipment after the verification is passed;

the user equipment generates a payment two-dimensional code according to the user identification information, the user equipment information and the payment verification information;

the scanning terminal scans the payment two-dimensional code displayed by the user equipment to acquire user identification information, user equipment information and payment verification information contained in the payment two-dimensional code; sending the user identification information, the user equipment information, the payment verification information and the scanning terminal information to the payment server;

and the payment server verifies the user identification information, the user equipment information, the payment verification information and the scanning terminal information, and completes the payment of the amount after the verification is passed.

As described above, the two-dimensional code payment anti-theft method and system, the storage medium and the terminal of the invention have the following beneficial effects:

(1) displaying the two-dimension code twice in the two-dimension code password-free payment process, displaying the order-placing two-dimension code times to represent the identification information and the equipment information of the order-placing user, and displaying the payment two-dimension code for the second time to pay the order of the user;

(2) the safety of two-dimensional code payment is guaranteed, and the risk of being stolen and brushed is avoided;

(3) the two-dimensional code is displayed twice, manual operation can be performed by a user, and the two-dimensional code can be automatically linked and displayed in a mode of pushing through a server or polling a user order-placing result through a two-dimensional code page, so that the intelligent degree is high, and the user experience is greatly improved.

Drawings

FIG. 1 is a flow chart of a two-dimensional code payment anti-skimming method of the present invention in an embodiment ;

FIG. 2 is a schematic structural diagram of an embodiment of the two-dimensional code payment anti-skimming system according to the present invention;

FIG. 3 is a diagram illustrating an embodiment of a scanning terminal according to the present invention;

FIG. 4 is a schematic diagram illustrating an alternative embodiment of a two-dimensional code payment anti-skimming system according to the present invention;

FIG. 5 is a block diagram of a two-dimensional code payment anti-skimming method according to another embodiment of the present invention.

Description of the element reference numerals

21 order scanning module

22 nd sending module

23 Payment scanning module

24 second sending module

31 processor

32 memory

41 scanning terminal

42 user equipment

43 Payment Server

Detailed Description

The embodiments of the present invention are described below with reference to specific embodiments, and other advantages and effects of the present invention will be easily understood by those skilled in the art from the disclosure of the present specification. The invention is capable of other and different embodiments and of being practiced or of being carried out in various ways, and its several details are capable of modification in various respects, all without departing from the spirit and scope of the present invention. It is to be noted that the features in the following embodiments and examples may be combined with each other without conflict.

It should be noted that the drawings provided in the following embodiments are only for illustrating the basic idea of the present invention, and the components related to the present invention are only shown in the drawings rather than drawn according to the number, shape and size of the components in actual implementation, and the type, quantity and proportion of each component in actual implementation can be random changes, and the layout of the components may be more complicated.

The two-dimension code payment anti-theft brushing method and system, the storage medium and the terminal realize the binding relationship among the user, the user equipment and the scanning terminal (such as a POS machine) by displaying the two-dimension codes twice, and if the conditions of the user, the user equipment and the scanning terminal are changed compared with the conditions of ordering during payment, the two-dimension codes can be identified by the payment server, so that the payment two-dimension codes of the user are prevented from being stolen and brushed by the mode, and the safety of two-dimension code payment is ensured.

As shown in fig. 1, in an embodiment, the two-dimensional code payment anti-theft method of the present invention is applied to a scanning terminal, and includes the following steps:

and S1, scanning the order two-dimensional code displayed by the user equipment, and acquiring order flow information, user identification information and user equipment information contained in the order two-dimensional code.

Specifically, in an application scene needing two-dimensional code payment, user equipment firstly sends order flow requests to a payment server, and simultaneously sends user identification information and user equipment information to the payment server, the payment server generates order flow information in real time, locally stores the user identification information and the user equipment information, and associates the order flow information, wherein the order flow information is for every payments, and after the user equipment receives the order flow information, the order two-dimensional code is generated in real time based on the user identification information, the user equipment information and the order flow information to be scanned by a scanning terminal of a merchant.

Preferably, the downstream information includes at least a downstream number. The user identification information can adopt a user payment account or a mobile phone number. The user equipment information may employ a user equipment serial number.

Step S2, the single-flow information, the user identification information, the user equipment information and the scanning terminal information are sent to a payment server for verification and the binding relationship between the user equipment and the scanning terminal is stored, so that the payment server sends payment verification information to the user equipment after verification is passed.

The payment server searches the pre-stored associated user identification information and user equipment information according to the order-issuing flow information, then compares the received user identification information and user equipment information, determines that the verification is passed only when the information is the same, stores the association relationship of the user equipment and the scanning terminal in the current payment when the verification is passed, then generates payment verification information and sends the payment verification information to the user equipment, and sends a re-scanning notice to the scanning terminal.

Step S3, scanning the payment two-dimensional code displayed by the user equipment, and acquiring user identification information, user equipment information and payment verification information contained in the payment two-dimensional code.

Specifically, after the user equipment receives payment verification information, a payment two-dimensional code is generated according to the user identification information, the user equipment information and the payment verification information. And the scanning terminal scans the payment two-dimensional code displayed by the user equipment and acquires user identification information, user equipment information and payment verification information contained in the payment two-dimensional code.

Step S4, sending the user identification information, the user device information, the payment verification information, and the scanning terminal information to the payment server for verification, so that the payment server completes payment of the amount after verification passes.

The payment server compares the user identification information, the user equipment information and the scanning terminal information received twice, verifies the payment verification information according to a preset algorithm, and transfers funds when the information received twice is and the payment verification information passes verification, thereby completing the current amount payment.

As shown in fig. 2, in , the two-dimensional code payment anti-theft system of the present invention is applied to a scanning terminal, and includes a ordering scanning module 21, a sending module 22, a payment scanning module 23, and a second sending module 24.

The order scanning module 21 is configured to scan an order two-dimensional code displayed by a user device, and acquire order flow information, user identification information, and user device information included in the order two-dimensional code.

The th sending module 22 is connected to the order placing scanning module 21, and configured to send the order placing flow information, the user identification information, the user equipment information, and the scanning terminal information to a payment server for verification and store a binding relationship between the user equipment and the scanning terminal, so that the payment server sends payment verification information to the user equipment after verification passes.

The payment scanning module 23 is connected to the th sending module 22, and is configured to scan the payment two-dimensional code displayed by the user equipment, and obtain user identification information, user equipment information, and payment verification information included in the payment two-dimensional code.

The second sending module 24 is connected to the payment scanning module 23, and is configured to send the user identification information, the user equipment information, the payment verification information, and the scanning terminal information to the payment server for verification, so that the payment server completes payment of the amount after verification passes.

It should be noted that the division of each module of the above system is merely a division of logic functions, and all or part of the modules may be integrated into physical entities or physically separated when actually implemented, and all the modules may be implemented in the form of software called by a processing element, or all the modules may be implemented in the form of hardware, or part of the modules may be implemented in the form of software called by a processing element, and part of the modules may be implemented in the form of hardware.

For example, these modules may be or more Integrated circuits configured to implement the above method, such as or more Specific Integrated circuits (ASICs), or more microprocessors (DSPs), or more Field Programmable Gate Arrays (FPGAs), etc. further, for example, when the above modules are implemented in the form of Processing element scheduler code, the Processing element may be a general purpose Processor, such as a Central Processing Unit (CPU) or other Processor that may call up program code, further, for example, these modules may be Integrated into , implemented in the form of a system-on-a-chip (SOC).

The storage medium of the invention stores a computer program which realizes the two-dimension code payment anti-theft brushing method when being executed by a processor. The storage medium includes: various media that can store program codes, such as ROM, RAM, magnetic disk, U-disk, memory card, or optical disk.

As shown in fig. 3, in , the scan terminal of the present invention includes a processor 31 and a memory 32.

The memory 32 is used for storing computer programs.

The memory 32 includes: various media that can store program codes, such as ROM, RAM, magnetic disk, U-disk, memory card, or optical disk.

The processor 31 is connected to the memory 32, and is configured to execute the computer program stored in the memory 32, so that the scanning terminal executes the internet of things data distribution management method.

Preferably, the Processor 31 may be a general-purpose Processor including a Central Processing Unit (CPU), a Network Processor (NP), etc., a Digital Signal Processor (DSP), an Application Specific Integrated Circuit (ASIC), a Field Programmable Array (FPGA), or other Programmable logic device, discrete , or a transistor logic device, discrete hardware components.

As shown in fig. 4, in , the two-dimensional code payment anti-piracy system of the present invention includes the scanning terminal 41, the user device 42 and the payment server 43.

The payment server 43 is configured to store the user identifier information and the user device information sent by the user device 42, generate associated order flow information, and send the associated order flow information to the user device 42; verifying the received information of the lower order flow, the user identification information, the user equipment information and the scanning terminal information, sending payment verification information to the user equipment 42 after the verification is passed, and recording the association relationship between the user equipment and the scanning equipment; verifying the user identification information, the user equipment information, the payment verification information and the scanning terminal information received in the payment process, and completing the payment after the verification is passed;

the user equipment 42 is configured to send user identification information and user equipment information to the payment server 43, generate order two-dimensional codes according to order information, user identification information, and user equipment information issued by the payment server 43, and generate payment two-dimensional codes according to payment verification information issued by the payment server 43.

In the embodiment of the present invention, the payment server 43 is further configured to send payment feedback information to the user equipment 42 and the scanning terminal 41, so that the user equipment 42 and the scanning terminal 41 know the payment progress in time.

In the embodiment of the present invention, the user device 42 may be a smart phone, a tablet computer, a PDA, or the like.

In the embodiment of the invention, the scanning device is a POS.

The two-dimensional code payment anti-fraud method of the present invention is further illustrated at with reference to specific embodiments.

As shown in fig. 5, in this embodiment, the two-dimensional code payment anti-theft method of the present invention includes the following steps:

(1) the user equipment sends the user identification information and the user equipment information to the payment server.

(2) And the payment server generates the order flow information and sends the order flow information to the user equipment.

(3) And the user equipment generates a ordering two-dimensional code according to the ordering flow information, the user identification information and the user equipment information so as to be scanned by a scanning terminal.

(4) The scanning terminal scans the order two-dimensional code displayed by the user equipment to acquire order flow information, user identification information and user equipment information contained in the order two-dimensional code; and sending the order issuing information, the user identification information, the user equipment information and the scanning terminal information to the payment server.

(5) And the payment server verifies the downloading single stream information, the user identification information and the user equipment information, sends payment verification information to the user equipment after the verification is passed, and simultaneously stores the association relationship between the user equipment and the scanning terminal.

(6) And the user equipment generates a payment two-dimensional code according to the user identification information, the user equipment information and the payment verification information.

(7) The scanning terminal scans the payment two-dimensional code displayed by the user equipment to acquire user identification information, user equipment information and payment verification information contained in the payment two-dimensional code; and sending the user identification information, the user equipment information, the payment verification information and the scanning terminal information to the payment server.

(8) And the payment server verifies the user identification information, the user equipment information, the payment verification information and the scanning terminal information, and completes the payment of the amount after the verification is passed.

In this embodiment, in order to ensure smooth communication between the scanning terminal and the payment server, the scanning terminal communicates with the payment server through a merchant server.

In summary, the two-dimension code payment anti-theft method, the two-dimension code payment anti-theft system, the storage medium and the terminal display the two-dimension codes twice in the two-dimension code secret-free payment process, display the order-placing two-dimension code times to represent the identification information and the equipment information of the order-placing user, display the payment two-dimension code for the second time to pay the order of the user, ensure the safety of the two-dimension code payment, avoid the risk of being stolen, automatically link up the display by the manual operation of the user and the pushing of the server or the polling of the order-placing result of the user by the two-dimension code page, have high intelligent degree, and greatly improve the user experience.

It will be appreciated by those skilled in the art that modifications and variations can be made to the disclosed embodiments without departing from the spirit and scope of the invention, and therefore, is equivalent to modifications and variations that would be apparent to those skilled in the art without departing from the spirit and scope of the invention as disclosed in the appended claims.