阅读说明：本技术 一种基于二维码的多次收款的实现方法及系统 (Method and system for realizing multiple collection based on two-dimensional code ) 是由 李琛 于 2021-05-06 设计创作，主要内容包括：本发明属于二维码收款技术领域,尤其是一种基于二维码的多次收款的实现方法及系统,包括以下步骤：S1、收款方终端对支付参数的设置,首先,收款方进入到交易系统中,然后在交易系统中输入付款总金额和付款总人数,交易系统会根据总金额和总人数将二维码扫码进行平均调整；S2、支付参数的验证,交易系统对支付参数进行安全校验,查询用户信息,付款方身份信息核验的方式为支付密码核验、指纹核验或刷脸核验中的任一种。本发明通过采用先制作二维码,再通过智能设备将收款方信息与二维码绑码的设计,利于同一个二维码能实现与多个收款方信息的绑定关系,可适应当代社会的步伐,可使AA制得到很好的发展,可加速社会的进步。(The invention belongs to the technical field of two-dimension code collection, in particular to a method and a system for realizing multiple collection based on two-dimension codes, which comprises the following steps: s1, the payee terminal sets payment parameters, firstly, the payee enters the transaction system, then the total payment amount and the total number of payment persons are input into the transaction system, and the transaction system scans the two-dimensional codes according to the total amount and the total number of payment persons to carry out average adjustment; and S2, verifying the payment parameters, and performing security verification on the payment parameters by the transaction system, inquiring user information, wherein the verification mode of the identity information of the payer is any one of payment password verification, fingerprint verification or face brushing verification. According to the invention, by adopting the design of firstly manufacturing the two-dimensional code and then binding the payee information and the two-dimensional code through the intelligent equipment, the binding relationship between the same two-dimensional code and the information of a plurality of payees can be realized, the method can adapt to the pace of the contemporary society, the AA can be well developed, and the progress of the society can be accelerated.)

1. A realization method for multiple collection based on two-dimensional codes is characterized by comprising the following steps:

s1, the payee terminal sets payment parameters, firstly, the payee enters the transaction system, then the total payment amount and the total number of payment persons are input into the transaction system, and the transaction system scans the two-dimensional codes according to the total amount and the total number of payment persons to carry out average adjustment;

s2, verifying payment parameters, wherein the transaction system carries out safety verification on the payment parameters, inquires user information, the verification mode of payer identity information is any one of payment password verification, fingerprint verification or face brushing verification, and after verification is passed, a total order and a sub order are generated according to the setting of the payment parameters;

s3, generating a collection two-dimensional code, generating the collection two-dimensional code by the transaction system according to the setting of the payment parameters and waiting for payment, and returning the collection two-dimensional code to the payee terminal by the transaction system;

s4, multiple times of collection of the collection two-dimensional codes are carried out, the collection side terminal displays the collection two-dimensional codes to multiple users for collection, and the multiple users pay through the collection two-dimensional codes and request a payment gateway; and the transaction system records the payment result sent by the payment gateway, judges whether the preset payment parameters are met or not, and returns the payment result of the sub-order to the payee if the preset payment parameters are met, wherein the payment times can be successfully paid only if the preset payment times are tightly met.

2. The method and system for realizing multiple payments based on two-dimensional codes according to claim 1, wherein the payment parameters comprise payment times, valid time, payment proportion and encrypted password.

3. The method as claimed in claim 1, wherein the transaction information of the payee and the payer are integrated and then transmitted back to the cloud for storage, and the payee and the payer can query for their respective transaction information.

4. The method as claimed in claim 3, wherein the blockchain is capable of serving and storing transaction information of the payee and the payer stored in the cloud, and distributing a digital certificate through the CA system to encrypt the transaction information.

5. The method according to claim 1, wherein the fingerprint verification service end in step S2 compares the received fingerprint information data with pre-stored corresponding user fingerprint feature data to authenticate the user identity, specifically: the fingerprint verification server judges the validity of the payment terminal, and if the validity is not legal, the operation is finished; if the data is legal, unpacking and decrypting the received packed data to obtain fingerprint information data and transaction data; and comparing the fingerprint information data with fingerprint characteristic data of the corresponding user stored in the fingerprint verification server to authenticate the identity of the user.

6. A realization system for multiple collection based on two-dimensional codes comprises a collection side terminal, a transaction system, a payment side terminal and a payment gateway, and is characterized in that the collection side terminal binds the existing two-dimensional codes with collection side information, the transaction system is in communication connection with the collection side terminal, the transaction system configures a collection side ID according to the collection side information, the collection side ID is bound with more than two payment modes, the payment side terminal scans the two-dimensional codes bound with the codes, inputs transaction amount, selects the payment mode and completes payment operation, and the collection side terminal is connected with the transaction system and used for entering the transaction system to realize the setting of payment parameters; the payment side terminal comprises a plurality of users, the users perform code scanning payment and request a payment gateway, the payment gateway is connected with a transaction system, the transaction system is used for judging whether a payment request sent by the payment gateway meets the condition of payment parameters, and when the condition is met, the users of the payment side terminal can confirm payment.

7. The system of claim 6, wherein the transaction system comprises a data processing module.

8. The system for realizing multiple payments based on two-dimensional codes according to claim 7, wherein the payee terminal includes but is not limited to a mobile phone, a smart POS machine and a PC end background.

Technical Field

The invention relates to the technical field of two-dimension code collection, in particular to a method and a system for realizing multiple collection based on two-dimension codes.

Background

With the popularization of intelligent terminals, the two-dimensional code is more and more common as a payment means to carry out payment transaction, a merchant can convert payment information into a corresponding two-dimensional code image through the two-dimensional code, and then the payment information contained in the two-dimensional code image is scanned and read through image acquisition and identification equipment so as to realize payment of transaction.

With the increasing consumption level, payment made by AA becomes the mainstream consumption habit of young people. At present, only AA (advanced) collection products initiated by users are available in the market, and in practical application scenes, the steps of single payment padding, manual calculation, group collection pulling and the like are needed. A single consumption order also has payment limitation, multiple persons cannot pay directly at the same time, and the split amount is complicated. In addition, the functions of one-code multi-receiving and one-payment multi-paying products are also lacked in the activities of ticket collection, face-to-face grouping, fund raising and contribution collection and the like.

Disclosure of Invention

Based on the practical application scene proposed in the background technology, the method has the steps of single-person payment padding, manual calculation and group collection. A single consumption order also has payment limitation, multiple persons cannot pay directly at the same time, and the split amount is complicated. In addition, in some activities such as ticket collection, face-to-face grouping, fund raising and donation collection, the technical problem of the product functions of one-code multi-collection and one-payment multi-payment is also lacked, and the invention provides a method and a system for realizing multi-time collection based on two-dimensional codes.

The invention provides a method for realizing multiple collection based on a two-dimensional code, which comprises the following steps:

s1, the payee terminal sets payment parameters, firstly, the payee enters the transaction system, then the total payment amount and the total number of payment persons are input into the transaction system, and the transaction system scans the two-dimensional codes according to the total amount and the total number of payment persons to carry out average adjustment;

s2, verifying payment parameters, wherein the transaction system carries out safety verification on the payment parameters, inquires user information, the verification mode of payer identity information is any one of payment password verification, fingerprint verification or face brushing verification, and after verification is passed, a total order and a sub order are generated according to the setting of the payment parameters;

s3, generating a collection two-dimensional code, generating the collection two-dimensional code by the transaction system according to the setting of the payment parameters and waiting for payment, and returning the collection two-dimensional code to the payee terminal by the transaction system;

s4, multiple times of collection of the collection two-dimensional codes are carried out, the collection side terminal displays the collection two-dimensional codes to multiple users for collection, and the multiple users pay through the collection two-dimensional codes and request a payment gateway; and the transaction system records the payment result sent by the payment gateway, judges whether the preset payment parameters are met or not, and returns the payment result of the sub-order to the payee if the preset payment parameters are met, wherein the payment times can be successfully paid only if the preset payment times are tightly met.

Preferably, the payment parameters include payment times, valid time, payment proportion and encryption password.

Preferably, the transaction information of the payee and the transaction information of the payer are integrated and then transmitted back to the cloud for storage, and the payee and the payer can inquire the respective transaction information.

Preferably, the blockchain may serve and store transaction information of the payee and payer stored in the cloud, and distribute the digital certificate through the CA system to encrypt it.

Preferably, the fingerprint verification service end in step S2 compares the received fingerprint information data with pre-stored corresponding user fingerprint feature data, and authenticates the user identity, specifically: the fingerprint verification server judges the validity of the payment terminal, and if the validity is not legal, the operation is finished; if the data is legal, unpacking and decrypting the received packed data to obtain fingerprint information data and transaction data; and comparing the fingerprint information data with fingerprint characteristic data of the corresponding user stored in the fingerprint verification server to authenticate the identity of the user.

The invention provides a realization system for multiple collection based on two-dimensional codes, which comprises a collection side terminal, a transaction system, a payment side terminal and a payment gateway, wherein the collection side terminal binds the existing two-dimensional codes with collection side information, the transaction system is in communication connection with the collection side terminal, the transaction system configures a collection side ID according to the collection side information, the collection side ID is bound with more than two payment modes, the payment side terminal scans the two-dimensional codes bound with the codes, inputs transaction amount, selects the payment mode and completes payment operation, and the collection side terminal is connected with the transaction system and is used for entering the inside of the transaction system to realize the setting of payment parameters; the payment side terminal comprises a plurality of users, the users perform code scanning payment and request a payment gateway, the payment gateway is connected with a transaction system, the transaction system is used for judging whether a payment request sent by the payment gateway meets the condition of payment parameters, and when the condition is met, the users of the payment side terminal can confirm payment.

Preferably, the transaction system comprises a data processing module.

Preferably, the payee terminal includes but is not limited to a mobile phone, a smart POS, and a PC-side backend.

The beneficial effects of the invention are as follows:

1. according to the method and the system for realizing multiple collection based on the two-dimensional code, the two-dimensional code is firstly manufactured, and then the payee information and the two-dimensional code are bound through the intelligent equipment, so that the binding relation between the same two-dimensional code and the information of a plurality of payees can be realized, the method and the system can adapt to the pace of the contemporary society, the speed of AA settlement making can be quickly realized, the AA can be well developed, and the progress of the society can be accelerated.

2. According to the implementation method and system for multiple collection based on the two-dimensional code, encrypted payment can be achieved, the transaction flow of a collecting party and a paying party can be recorded, the transaction flow can be stored through the cloud, the transaction flow can be recorded through the nodes of the block chain, the CA system can be used for encrypting the transaction flow, the collecting party and the paying party can check the transaction flow on respective terminals, and therefore a user can master the transaction flow at any time and the daily use of the user is facilitated.

3. According to the method and the system for realizing multiple collection based on the two-dimensional code, the transaction management system is adopted to store transaction data and store the transaction data in a classified manner, statistical analysis of the data is facilitated, more value is created for a collector, the transaction management system is adopted to configure the ID for the collector according to collector information and a preset algorithm, the ID replaces the collector information to be transmitted in the transaction management system, and the fund safety of the collector is protected.

The parts of the device not involved are the same as or can be implemented using prior art.

Detailed Description

The technical solution of the present patent will be described in further detail with reference to the following embodiments.

Reference will now be made in detail to embodiments of the present patent, examples of which are illustrated in the accompanying drawings, wherein like reference numerals refer to the same or similar elements or elements having the same or similar function throughout. The embodiments described below by reference to the illustrations are exemplary only for the purpose of explaining the present patent and are not to be construed as limiting the present patent.

In the description of this patent, it is to be understood that the terms "center," "upper," "lower," "front," "rear," "left," "right," "vertical," "horizontal," "top," "bottom," "inner," "outer," and the like are used in the orientations and positional relationships indicated by the illustrations for convenience in describing the patent and for simplicity in description, and are not intended to indicate or imply that the referenced device or element must have a particular orientation, be constructed and operated in a particular orientation, and are not to be considered limiting of the patent.

In the description of this patent, it is noted that unless otherwise specifically stated or limited, the terms "mounted," "connected," and "disposed" are to be construed broadly and can include, for example, fixedly connected, disposed, detachably connected, disposed, or integrally connected and disposed. The specific meaning of the above terms in this patent may be understood by those of ordinary skill in the art as appropriate.

A method for realizing multiple cash collection based on two-dimensional codes comprises the following steps:

s1, the payee terminal sets payment parameters, firstly, the payee enters the transaction system, then the total payment amount and the total number of payment persons are input into the transaction system, and the transaction system scans the two-dimensional codes according to the total amount and the total number of payment persons to carry out average adjustment;

s2, verifying payment parameters, wherein the transaction system carries out safety verification on the payment parameters, inquires user information, the verification mode of payer identity information is any one of payment password verification, fingerprint verification or face brushing verification, and after verification is passed, a total order and a sub order are generated according to the setting of the payment parameters;

s3, generating a collection two-dimensional code, generating the collection two-dimensional code by the transaction system according to the setting of the payment parameters and waiting for payment, and returning the collection two-dimensional code to the payee terminal by the transaction system;

s4, multiple times of collection of the collection two-dimensional codes are carried out, the collection side terminal displays the collection two-dimensional codes to multiple users for collection, and the multiple users pay through the collection two-dimensional codes and request a payment gateway; the transaction system records the payment result sent by the payment gateway, judges whether preset payment parameters are met or not, if the preset payment parameters are met, the transaction system returns a sub-order payment result to the payee, and the payment times need to tightly meet the preset value of the payment times so that successful payment can be realized;

by the design that the two-dimensional code is manufactured firstly, and then the payee information and the two-dimensional code are bound through the intelligent equipment, the binding relation between the same two-dimensional code and the information of a plurality of payees can be realized, the method is suitable for the pace of the modern society, the speed of AA account making can be realized quickly, the AA can be well developed, and the progress of the society can be accelerated.

In the invention, the payment parameters comprise payment times, effective time, payment proportion and encrypted password.

In the invention, the transaction information of the payee and the payer is integrated and then transmitted back to the cloud for storage, and the payee and the payer can inquire the respective transaction information.

In the invention, the blockchain can serve and store the transaction information of the payee and the payer which are stored in the cloud, and the digital certificate is distributed through the CA system to be encrypted.

In the present invention, the fingerprint verification service end in step S2 compares the received fingerprint information data with the pre-stored corresponding user fingerprint feature data, and authenticates the user identity, specifically: the fingerprint verification server judges the validity of the payment terminal, and if the validity is not legal, the operation is finished; if the data is legal, unpacking and decrypting the received packed data to obtain fingerprint information data and transaction data; and comparing the fingerprint information data with fingerprint characteristic data of the corresponding user stored in the fingerprint verification server to authenticate the identity of the user.

A realization system for multiple collection based on two-dimensional codes comprises a collection side terminal, a transaction system, a payment side terminal and a payment gateway, and is characterized in that the collection side terminal binds the existing two-dimensional codes with collection side information, the transaction system is in communication connection with the collection side terminal, the transaction system configures a collection side ID according to the collection side information, the collection side ID is bound with more than two payment modes, the payment side terminal scans the two-dimensional codes bound with the codes, inputs transaction amount, selects the payment mode and completes payment operation, and the collection side terminal is connected with the transaction system and used for entering the transaction system to realize the setting of payment parameters; the payment side terminal comprises a plurality of users, the users perform code scanning payment and request a payment gateway, the payment gateway is connected with a transaction system, the transaction system is used for judging whether a payment request sent by the payment gateway meets the condition of payment parameters, and when the condition is met, the users of the payment side terminal can confirm payment.

In the invention, the transaction system comprises a data processing module, and the payee terminal comprises but is not limited to a mobile phone, an intelligent POS machine and a PC terminal background.

The above description is only for the preferred embodiment of the present invention, but the scope of the present invention is not limited thereto, and any person skilled in the art should be considered to be within the technical scope of the present invention, and the technical solutions and the inventive concepts thereof according to the present invention should be equivalent or changed within the scope of the present invention.