CN103198403A - Safe mobile payment method based on two-dimension code - Google Patents
Safe mobile payment method based on two-dimension code Download PDFInfo
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- CN103198403A CN103198403A CN2013100776592A CN201310077659A CN103198403A CN 103198403 A CN103198403 A CN 103198403A CN 2013100776592 A CN2013100776592 A CN 2013100776592A CN 201310077659 A CN201310077659 A CN 201310077659A CN 103198403 A CN103198403 A CN 103198403A
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Abstract
The invention relates to a safe mobile payment method based on a two-dimension code. According to the safe mobile payment method based on the two-dimension code, an application program which is authenticated by a payment service provider is mounted on a payer terminal, a payer has a user name and a password, and the payer can register and log in to a server of the payment service provider; after the payer inputs payment information and auxiliary information or uses a private key to conduct name signing to the payment information, the payer sends the payment information to the server, and after payment is completed, the server sends the two-dimension code for successful payment to the payer; after a payee registers the server of the payment service provider, the payee verifies collection of money and then delivers goods; if the payer picks up the goods directly, the payer needs to show the two-dimension code for the successful payment to the payee, the payee registers the server of the payment service provider, reads the two-dimension code which is shown by the payer and verifies the converting information of the two-dimension code, a received payment is searched, goods are delivered, and otherwise, the goods can not be delivered. The safe mobile payment method based on the two-dimension code is easy to operate, strong in practicability, high in security, free of dedicated devices, low in cost, good in generality, and capable of achieving safe mobile payment.
Description
Technical field
The present invention relates to a kind of secured mobile payment method based on two-dimension code, specifically transmit the method for payment information fast by two-dimension code, this method is being utilized the micropayments of intelligent terminal, small amount payment, and community's payment waits the mobile payment aspect to play an important role.This method need not specialized equipment, and the initial stage construction cost is low, is convenient to operation, has security, belongs to information security and field of mobile electronic commerce.
Background technology
Along with popularizing of intelligent terminal, the use of two-dimension code is more and more frequent, two-dimension code can become image with information translation, and read by image capture device, image is more directly imported information usually in reading process more secret, and reading than literal identification of two-dimension code is more prone to reliable and stable simultaneously.
Current mobile payment field mainly contains two problems:
1) specialized equipment of mobile payment causes cost too high, is difficult for popularizing.Methods such as radio-frequency identification code RFID, near-field communication NFC, magnetic card, smart card are used in common mobile payment, and these methods need be reequiped mobile intelligent terminal, and need specialized apparatus to read payment account information, so the initial stage use cost is too high.
2) some method of mobile payment relates to in-plant radio communication, for example radio-frequency identification code and near-field communication, therefore need additional means to guarantee can in this short-range communication process, not leaking of payment information, often by cryptography means such as encryptions, cause calculated amount big, the power consumption height is unfavorable for the long-term use of mobile intelligent terminal.
At above-mentioned two problems, the two-dimension code that utilizes the user to be familiar with has proposed a kind of secured mobile payment method based on two-dimension code, is used for having solved above-mentioned two problems.
Summary of the invention
The objective of the invention is the problem that exists in aforementioned two current mobile payment solutions for solving, provide a kind of simple to operate, practical, safe, with low cost, a kind of secured mobile payment method based on two-dimension code that user's payment is experienced.
The present invention realizes that the technical scheme that above-mentioned purpose is taked is: a kind of secured mobile payment method based on two-dimension code is provided, carries out as follows:
⑴ the application program that is provided by the payment services provider is provided for, payer terminal, and described application program has the interface, two-dimension code reads and translation function; The username and password of payer is registered at payment services provider server; The application program that is provided by the payment services provider also is provided the beneficiary terminal, and the username and password of same beneficiary is also registered at payment services provider server;
⑵, payer are imported username and password in the application program of payer terminal, sign in to payment services provider's server, see the payment information under the own user name, comprise current remaining sum;
⑶, payer are imported information to be paid in the payment interface of terminal payment program, comprise the input trade name, payment, and the beneficiary user name, or the two-dimension code of the commodity of buying by the scanning desire is finished the input of above-mentioned information;
⑷, payer terminal are by payment interface input payment supplementary, and the payment supplementary comprises: token one-time password, transaction note one-time password, accessory problem; Described token one-time password shows at the hardware device that the payment services provider provides, transaction note one-time password is the password that comprises in the note of payment services provider server transmission in real time, and accessory problem is to be kept at problem on the payment services provider server and that preserve corresponding answer in advance;
⑸, payer terminal be payment information and payment supplementary, or send to payment services provider server after adopting the private key of this user name correspondence that the hashed value of absolute payment information is signed; Wait for that this server finishes payment; Whether all enter ancillary informations of described server authentication or signature correctly reach the balance of funding; Payment is correctly then finished in checking, otherwise stops; After this server is finished payment, generate the successful two-dimension code of payment; Described 2 D code information comprises exchange hour, transaction journal number, payer user name, beneficiary user name, trade name, payment; This server sends to payer with 2 D code information, and the payer terminal is reduced into specifying information with this two-dimension code conversion, is saved in the application database;
⑹ beneficiary is imported username and password in the beneficiary end application, sign in to payment services provider's server, views oneself gathering information under one's name, comprises current remaining sum and gathering record;
⑺, beneficiary are delivered to the gathering item of non-shipment processing one by one according to gathering information.
Beneficiary described in the step ⑹ signs in to payment services provider's server and checks gathering information, if payer is picking face to face, payer needs to show the successful two-dimension code of payment to beneficiary, and the two-dimension code that the payment of beneficiary terminal scanning payer terminal is successful converts specifying information to, comprise: exchange hour, transaction journal number, payer user name, beneficiary user name, trade name, payment; Beneficiary is verified and is delivered one by one according to the gathering item of non-shipment processing, otherwise do not deliver.
Payment services provider described in the present invention comprises financial institution, commercial bank, credit card mechanism, interchanger etc., also comprises third party's payment mechanism, as Alipay etc.And the startup of described application program is used needs the username and password login.
Beneficiary user name and merchandise news among the present invention in the payment information can be used the two-dimension code input of the scan function scanning businessman in the application program, also can be by manually artificial input.
Described payment supplementary comprises: token one-time password, transaction note one-time password, and question-and-answer problem, wherein one-time password has the time term of validity, in case expired one-time password namely lost efficacy; The token one-time password is imported after by the token of checking the payment services provider and distributing; Transaction note one-time password is by clicking the button of the request one-time password in the payment interface program, then by importing after the note from the payment services provider of checking reception.
After the application program of payer terminal sends to payment services provider server with payment information, this server can confirm whether this transaction is paid according to payer user name and remaining sum thereof, if pay successfully, then return the successful two-dimension code of payment, give payer otherwise return the unsuccessful information of payment.Usually, send here be internet message to application program, rather than pass through the note that communication provider sends on the common meaning.
A kind of secured mobile payment method based on two-dimension code of the present invention has following advantage:
1. method of mobile payment of the present invention is with low cost, need not special-purpose payment devices, use safety simple to operate, and user friendly is good.Use this method, even the smart mobile phone of payer is lost, can't not finish payment owing to know login password, one-time password etc.
2. this method has versatility, can be used for multiple portable terminal, as smart mobile phone or panel computer, also can be used for devices such as Internet of Things mobile-payment system, generally realizes by software.
3. this method is being utilized the micropayments of intelligent terminal, small amount payment, and aspects such as community's payment because the initial stage construction cost is cheap, can play an important role.
Description of drawings
Fig. 1 is a kind of secured mobile payment method schematic flow sheet based on two-dimension code of the present invention.
Fig. 2 is another secured mobile payment method schematic flow sheet based on two-dimension code of the present invention.This method is the schematic flow sheet that carries out face-to-face for transaction.
Embodiment
The invention will be further described below in conjunction with drawings and Examples.
Embodiment 1: the invention provides a kind of secured mobile payment method based on two-dimension code, present embodiment has been bought the commodity B of the C of strange land firm for payer A, need pay 100 yuan of expenses by Bank of China and give certain C of firm, beneficiary is the C of this firm, and payment step is as follows:
⑴, payer A use smart mobile phone as terminal, and the application program that is provided by payment services provider Bank of China has been installed, and might as well be called APP1, and described application program provides interface function, two-dimension code to read and translation function; Username and password in the application program of payer terminal is registered at the server of Bank of China; The beneficiary terminal, might as well establish is smart mobile phone, and the application program that is provided by Bank of China also is installed, and might as well be called APP2, described payment program has the interface, two-dimension code reads and translation function; The username and password of beneficiary is also registered at payment services provider server.
⑵, payer A utilize APP1, and payer A imports username and password, sign in to the server of Bank of China, can see active user's payment information under one's name after the login, current remaining sum for example, former payment history record etc.
, in the interface of the payment application APP1 of payer A smart mobile phone input information to be paid, comprising: the information of the commodity B of purchase comprises commodity B title, quantity, 100 yuan of payments, the gathering user name of the C of firm.
, at payer A smart mobile phone by payment interface input payment supplementary, comprising: check the one-time password that Bank of China's token of carrying shows, as 323334; Request sends the transaction one-time password, and the note of checking reception is as 328623, import these two information in the payment application APP1 of payer A smart mobile phone by touch-screen, if also have payment problem, as " which day your father's birthday is ", then strictly according to the facts by reserving the answer input.
⑸, payer A smart mobile phone all send to Bank of China's server with payment information and payment supplementary, Bank of China's server checks whether the token one-time password is correct, whether checking transaction note one-time password is correct, and whether the answer of validation of payment problem is correct; If all correct and remaining sum is greater than payment, then finish payment, otherwise, the payment failure.If Bank of China's server is finished payment, then Bank of China's server sends the successful two-dimension code of payment to the payer application program, owing to be internet message, consider for security consideration and robustness, do not adopt the note of radio communication provider, pay in the successful two-dimension code and comprise: exchange hour, transaction journal number, payer user name, the C of beneficiary firm user name, commodity B title, 100 yuan of payments etc.The payer end application converts this two-dimension code to specifying information, is saved in the local data base of application program management, searches after being convenient to.
⑹, the C of beneficiary businessman import username and password in the application A PP2 of beneficiary terminal, sign in to Bank of China's server, can see the gathering information under the own user name, comprise current remaining sum and gathering record.
⑺, the C of beneficiary businessman have found untreated gathering item, and delivery one by one is comprising commodity B is delivered to payer A.
Embodiment 2: the invention provides a kind of secured mobile payment method based on two-dimension code, present embodiment is that payer A (transaction face-to-face) in certain D of petty dealer family has bought a series of commodity, beneficiary is the D of this petty dealer family, need pay 500 yuan of expenses by the National Industrial and Commercial Bank of China and give the D of this petty dealer family, payment step is as follows:
⑴, payer A use smart mobile phone as terminal, and the application program that is provided by the payment services provider National Industrial and Commercial Bank of China has been installed, and also might as well be called APP1, and described application program provides interface function, two-dimension code to read and translation function; Username and password in the application program of payer terminal is registered at the server of the National Industrial and Commercial Bank of China; If the D of beneficiary petty dealer family terminal is panel computer, the application program that is provided by the payment services provider is installed, might as well be called APP2, described payment program has the interface, two-dimension code reads and translation function; The username and password of the D of beneficiary petty dealer family is registered at the server of the National Industrial and Commercial Bank of China.
⑵, payer A utilize APP1, and payer A imports username and password, sign in to the server of the National Industrial and Commercial Bank of China, can see active user's payment information under one's name after the login, current remaining sum for example, payment history record etc.
, in the interface of the payment application APP1 of payer A smart mobile phone input information to be paid, the information of a series of commodity of purchase comprises: a series of trade names, quantity, 500 yuan of payments, the user name of certain D of petty dealer family; This step is finished by the items scanning two-dimension code, and namely the D of beneficiary petty dealer family provides the commodity two-dimension code, has comprised these information to be paid in the two-dimension code.
, at payer A smart mobile phone by payment interface input payment supplementary, comprise: send to National Industrial and Commercial Bank of China's server after adopting the private key of this user name correspondence that the hashed value of absolute payment information is signed, private key is that the National Industrial and Commercial Bank of China offers payer A in advance, normally a USB flash disk.
⑸, payer A smart mobile phone send to National Industrial and Commercial Bank of China's server with payment information and payment supplementary, and whether the signature of National Industrial and Commercial Bank of China's server authentication payment user name is correct; If all correct and remaining sum is greater than payment, then finish payment, otherwise, the payment failure.If National Industrial and Commercial Bank of China's server is finished payment, then National Industrial and Commercial Bank of China's server sends the successful two-dimension code of payment to the payer application program, pays in the successful two-dimension code to comprise: exchange hour, transaction journal number, payer user name, beneficiary user name, a series of trade names, payment etc.The payer end application converts this two-dimension code to specifying information, is saved in the local data base of application program management, searches after being convenient to.
⑹, the D of petty dealer family import username and password in the application program (might as well be called APP2) of beneficiary terminal, sign in to National Industrial and Commercial Bank of China's server, can see the gathering information under this user name, comprise current remaining sum and gathering record; When payer A requires delivery of cargo, need to show the successful two-dimension code of payment to the D of beneficiary petty dealer family, the two-dimension code that beneficiary terminal scanning payer A provides, and convert this two-dimension code to specifying information, comprising: exchange hour, transaction journal number, the payer user name, beneficiary user name, a series of trade names, quantity, 500 yuan of payments; If the transaction of this two-dimension code indication was in the gathering item of non-shipment processing after beneficiary was found to login, then delivery, otherwise do not deliver.
As seen from the above-described embodiment, method of the present invention can be the C of firm or the D of petty dealer family saves the expense that the POS machine is installed, and avoid the arbitrage of POS machine malice, and firm or little businessman can be whenever and wherever possible referring to receipt on account information, in time deliver or determine whether delivery.
Method of mobile payment use cost of the present invention is cheap, need not special-purpose payment devices, use safety simple to operate, and user friendly is good, and versatility is good, can be used in the multiple portable terminal.This method will utilized the micropayments of intelligent terminal, small amount payment, and aspects such as community's payment can play an important role.
Claims (2)
1. secured mobile payment method based on two-dimension code is characterized in that: carry out as follows:
⑴ the application program that is provided by the payment services provider is provided for, payer terminal, and described application program has the interface, two-dimension code reads and translation function; The username and password of payer is registered at payment services provider server; The application program that is provided by the payment services provider also is provided the beneficiary terminal, and the username and password of same beneficiary is also registered at payment services provider server;
⑵, payer are imported username and password in the application program of payer terminal, sign in to payment services provider's server, see the payment information under the own user name, comprise current remaining sum;
⑶, payer are imported information to be paid in the payment interface of terminal payment program, comprise the input trade name, payment, and the beneficiary user name, or the two-dimension code of the commodity of buying by the scanning desire is finished the input of above-mentioned information;
⑷, payer terminal are by payment interface input payment supplementary, and the payment supplementary comprises: token one-time password, transaction note one-time password, accessory problem; Described token one-time password shows at the hardware device that the payment services provider provides, transaction note one-time password is the password that comprises in the note of payment services provider server transmission in real time, and accessory problem is to be kept at problem on the payment services provider server and that preserve corresponding answer in advance;
⑸, payer terminal be payment information and payment supplementary, or send to payment services provider server after adopting the private key of this user name correspondence that the hashed value of absolute payment information is signed; Wait for that this server finishes payment; Whether all enter ancillary informations of described server authentication or signature correctly reach the balance of funding; Payment is correctly then finished in checking, otherwise stops; After this server is finished payment, generate the successful two-dimension code of payment; Server will be paid successful 2 D code information and send to payer, and the 2 D code information of described payment success comprises exchange hour, transaction journal number, payer user name, beneficiary user name, trade name, payment; The payer terminal is reduced into specifying information with this two-dimension code conversion, is saved in the application database;
⑹ beneficiary is imported username and password in the beneficiary end application, sign in to payment services provider's server, views oneself gathering information under one's name, comprises current remaining sum and gathering record;
⑺, beneficiary are delivered to the gathering item of non-shipment processing one by one according to gathering information.
2. a kind of secured mobile payment method based on two-dimension code according to claim 1, it is characterized in that: the beneficiary described in the step ⑹ signs in to payment services provider's server and checks gathering information, if payer is picking face to face, payer needs to show the successful two-dimension code of payment to beneficiary, the two-dimension code that the payment of beneficiary terminal scanning payer terminal is successful, convert specifying information to, comprise: exchange hour, transaction journal number, the payer user name, the beneficiary user name, trade name, payment; Beneficiary is verified and is delivered one by one according to the gathering item of non-shipment processing, otherwise do not deliver.
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| CN2013100776592A CN103198403A (en) | 2013-03-12 | 2013-03-12 | Safe mobile payment method based on two-dimension code |
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Cited By (19)
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| CN103489098A (en) * | 2013-09-23 | 2014-01-01 | 裘百灵 | Mobile payment method, system and program supporting offline receipt and payment |
| CN103530804A (en) * | 2013-10-11 | 2014-01-22 | 捷德（中国）信息科技有限公司 | Self-service shopping method, user terminal, merchant background and system |
| CN103617531A (en) * | 2013-12-16 | 2014-03-05 | 信雅达系统工程股份有限公司 | Safety payment method and device based on credible two-dimension code |
| CN104376462A (en) * | 2014-11-19 | 2015-02-25 | 中城智慧科技有限公司 | Safe code scanning payment method |
| CN104618101A (en) * | 2013-12-27 | 2015-05-13 | 腾讯科技（深圳）有限公司 | Data processing method, intermediate server and data processing system |
| CN105205664A (en) * | 2015-09-25 | 2015-12-30 | 中城智慧科技有限公司 | Novel offline payment method |
| CN105407079A (en) * | 2015-09-25 | 2016-03-16 | 中城智慧科技有限公司 | Novel terminal safety soft secret key management method |
| CN105551149A (en) * | 2015-12-23 | 2016-05-04 | 立德高科(北京)数码科技有限责任公司 | Method and system for purchasing water on community water dispenser based on two-dimension code |
| CN105787720A (en) * | 2014-12-23 | 2016-07-20 | 崔羽丰 | Payment method for realizing active payment of payment party through acquiring to-be-paid object |
| CN106354365A (en) * | 2016-08-26 | 2017-01-25 | 维沃移动通信有限公司 | Interface selection method and mobile device |
| WO2017012542A1 (en) * | 2015-07-20 | 2017-01-26 | 焦若筠 | Qr code-based cardless payment method and system |
| CN106779684A (en) * | 2016-12-02 | 2017-05-31 | 北京博文广成信息安全技术有限公司 | The soft black box safe electronic method of mobile payment of CFL based on Quick Response Code |
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| CN107301732A (en) * | 2017-06-27 | 2017-10-27 | 重庆科技学院 | A kind of shared direct drinking fountain purchases water management and control method automatically |
| CN107341658A (en) * | 2017-08-24 | 2017-11-10 | 张龙 | mobile quick payment terminal and quick payment method |
| CN110135838A (en) * | 2019-04-15 | 2019-08-16 | 深圳壹账通智能科技有限公司 | Electric paying method, device, computer equipment and storage medium |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN103489098A (en) * | 2013-09-23 | 2014-01-01 | 裘百灵 | Mobile payment method, system and program supporting offline receipt and payment |
| CN103530804A (en) * | 2013-10-11 | 2014-01-22 | 捷德（中国）信息科技有限公司 | Self-service shopping method, user terminal, merchant background and system |
| CN103617531A (en) * | 2013-12-16 | 2014-03-05 | 信雅达系统工程股份有限公司 | Safety payment method and device based on credible two-dimension code |
| CN103617531B (en) * | 2013-12-16 | 2016-08-24 | 信雅达系统工程股份有限公司 | Safe payment method based on credible two-dimension code and device |
| CN104618101A (en) * | 2013-12-27 | 2015-05-13 | 腾讯科技（深圳）有限公司 | Data processing method, intermediate server and data processing system |
| WO2015096800A1 (en) * | 2013-12-27 | 2015-07-02 | 腾讯科技（深圳）有限公司 | Data processing method, intermediate server and system |
| CN104376462A (en) * | 2014-11-19 | 2015-02-25 | 中城智慧科技有限公司 | Safe code scanning payment method |
| CN105787720A (en) * | 2014-12-23 | 2016-07-20 | 崔羽丰 | Payment method for realizing active payment of payment party through acquiring to-be-paid object |
| CN108027925A (en) * | 2015-07-20 | 2018-05-11 | 焦若筠 | It is a kind of using Quick Response Code without card method of payment and its system |
| WO2017012542A1 (en) * | 2015-07-20 | 2017-01-26 | 焦若筠 | Qr code-based cardless payment method and system |
| CN108027925B (en) * | 2015-07-20 | 2022-03-18 | 焦若筠 | Card-free payment method and system using two-dimensional code |
| CN105205664A (en) * | 2015-09-25 | 2015-12-30 | 中城智慧科技有限公司 | Novel offline payment method |
| CN105407079A (en) * | 2015-09-25 | 2016-03-16 | 中城智慧科技有限公司 | Novel terminal safety soft secret key management method |
| CN105551149B (en) * | 2015-12-23 | 2018-03-02 | 立德高科(北京)数码科技有限责任公司 | The method and system of water are purchased on cell water dispenser based on Quick Response Code |
| CN105551149A (en) * | 2015-12-23 | 2016-05-04 | 立德高科(北京)数码科技有限责任公司 | Method and system for purchasing water on community water dispenser based on two-dimension code |
| WO2017157148A1 (en) * | 2016-03-18 | 2017-09-21 | 任少华 | Collection system or method in payment |
| TWI719216B (en) * | 2016-07-18 | 2021-02-21 | 開曼群島商創新先進技術有限公司 | Graphic code information provision and acquisition method, device and terminal |
| CN106354365A (en) * | 2016-08-26 | 2017-01-25 | 维沃移动通信有限公司 | Interface selection method and mobile device |
| CN111343233A (en) * | 2016-09-20 | 2020-06-26 | 徐蔚 | Digital currency payment method and device based on storage and mobile terminal |
| US11983699B2 (en) | 2016-09-20 | 2024-05-14 | Wei Xu | System built by connection between a mobile terminal and a service providing device, and service providing method |
| CN106779684A (en) * | 2016-12-02 | 2017-05-31 | 北京博文广成信息安全技术有限公司 | The soft black box safe electronic method of mobile payment of CFL based on Quick Response Code |
| CN107301732A (en) * | 2017-06-27 | 2017-10-27 | 重庆科技学院 | A kind of shared direct drinking fountain purchases water management and control method automatically |
| CN107341658A (en) * | 2017-08-24 | 2017-11-10 | 张龙 | mobile quick payment terminal and quick payment method |
| CN110135838A (en) * | 2019-04-15 | 2019-08-16 | 深圳壹账通智能科技有限公司 | Electric paying method, device, computer equipment and storage medium |
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Application publication date: 20130710 |