apple pay扫银联二维码原理

曾经终败给现在 2022-02-15 10:25 688阅读 0赞

参考文章

1.黑科技！iphone相机扫描银联二维码可直接付款！，[https://mp.weixin.qq.com/s/VcIKAjny3fjP6KJzFauLyQ?][https_mp.weixin.qq.com_s_VcIKAjny3fjP6KJzFauLyQ]

经过测试，iOS 11.2 版本iPhone手机扫银联码就能跳转到apple pay网页版付款

目前银联码分几种，使用二维码工具解析处理如下

1.个人码

[https://qr.95516.com/00010000/0110XXXXXXXXXXXXXXXXXXXXXXXXXXXX][https_qr.95516.com_00010000_0110XXXXXXXXXXXXXXXXXXXXXXXXXXXX]

2.云闪付商家码

[https://qr.95516.com/00010002/0111XXXXXXXXXXXXXXXXXXXXXXXXXXXX][https_qr.95516.com_00010002_0111XXXXXXXXXXXXXXXXXXXXXXXXXXXX]

3.银联小微商户码（个人通过云闪付商户通APP申请，地推渠道通过服务商申请）

[https://qr.95516.com/00010002/6222XXXXXXXXXXXXXXXXXXXXXXXXXXXX][https_qr.95516.com_00010002_6222XXXXXXXXXXXXXXXXXXXXXXXXXXXX]

4.银行聚合码非95516系自有前缀

平安[https://qrpay.yqb.com/001/48280000/48280000XXXXXXXXXXXXXXXXXXXXXXXX][https_qrpay.yqb.com_001_48280000_48280000XXXXXXXXXXXXXXXXXXXXXXXX]

工商[https://b2c.icbc.com.cn/servlet/wcqr?f=ICBCqr&X=1&T=3&P=6&I=token1&N=token2&L=token3][https_b2c.icbc.com.cn_servlet_wcqr_f_ICBCqr_X_1_T_3_P_6_I_token1_N_token2_L_token3]

5.银行聚合码95516系

农行[https://qr.95516.com/00010002/622XXXXXXXXXXXXXXXXXXXXXXXXXXXXX][https_qr.95516.com_00010002_622XXXXXXXXXXXXXXXXXXXXXXXXXXXXX]

建行[https://qr.95516.com/49990012/CCBXXXXXXXXXXXXXXXXXXXXXX][https_qr.95516.com_49990012_CCBXXXXXXXXXXXXXXXXXXXXXX]

通过测试，qr.95516.com开头的二维码都能跳转apple pay，实际能用于支付的只有2和3

跳转后的格式为

[https://qr.95516.com/UP02/qrcGtwWeb-web/front/doPay?insCd=00010002&qrNo=base64(ID)&respCode=34][https_qr.95516.com_UP02_qrcGtwWeb-web_front_doPay_insCd_00010002_qrNo_base64_ID_respCode_34]

注意qrNo=base64(ID)这部分

这部分就是通过base64编码的id，id从哪里取，取qr.95516.com开头链接最后一串32位的数字就行

找到转换后的链接后，在safari里面直接打开也能显示apple pay支付。

update2019-05-13:云闪付商家码和非地推渠道的银联小微商户码失效，地推渠道的正常

地推渠道二维码上会有服务商的信息，扫码之后也会交易明细里会显示，如通联，浦发等，非地推二维码没有，交易明细显示的是银联

[https_mp.weixin.qq.com_s_VcIKAjny3fjP6KJzFauLyQ]: https://mp.weixin.qq.com/s/VcIKAjny3fjP6KJzFauLyQ?
[https_qr.95516.com_00010000_0110XXXXXXXXXXXXXXXXXXXXXXXXXXXX]: https://qr.95516.com/00010000/0110XXXXXXXXXXXXXXXXXXXXXXXXXXXX
[https_qr.95516.com_00010002_0111XXXXXXXXXXXXXXXXXXXXXXXXXXXX]: https://qr.95516.com/00010002/0111XXXXXXXXXXXXXXXXXXXXXXXXXXXX
[https_qr.95516.com_00010002_6222XXXXXXXXXXXXXXXXXXXXXXXXXXXX]: https://qr.95516.com/00010002/6222XXXXXXXXXXXXXXXXXXXXXXXXXXXX
[https_qrpay.yqb.com_001_48280000_48280000XXXXXXXXXXXXXXXXXXXXXXXX]: https://qrpay.yqb.com/001/48280000/48280000XXXXXXXXXXXXXXXXXXXXXXXX
[https_b2c.icbc.com.cn_servlet_wcqr_f_ICBCqr_X_1_T_3_P_6_I_token1_N_token2_L_token3]: https://b2c.icbc.com.cn/servlet/wcqr?f=ICBCqr&X=1&T=3&P=6&I=token1&N=token2&L=token3
[https_qr.95516.com_00010002_622XXXXXXXXXXXXXXXXXXXXXXXXXXXXX]: https://qr.95516.com/00010002/622XXXXXXXXXXXXXXXXXXXXXXXXXXXXX
[https_qr.95516.com_49990012_CCBXXXXXXXXXXXXXXXXXXXXXX]: https://qr.95516.com/49990012/CCBXXXXXXXXXXXXXXXXXXXXXX
[https_qr.95516.com_UP02_qrcGtwWeb-web_front_doPay_insCd_00010002_qrNo_base64_ID_respCode_34]: https://qr.95516.com/UP02/qrcGtwWeb-web/front/doPay?insCd=00010002&qrNo=base64%28ID%29&respCode=34