CN106779715A - A kind of method and merchant client of point-to-point E-Payment - Google Patents
A kind of method and merchant client of point-to-point E-Payment Download PDFInfo
- Publication number
- CN106779715A CN106779715A CN201611056050.7A CN201611056050A CN106779715A CN 106779715 A CN106779715 A CN 106779715A CN 201611056050 A CN201611056050 A CN 201611056050A CN 106779715 A CN106779715 A CN 106779715A
- Authority
- CN
- China
- Prior art keywords
- unique features
- features code
- payment
- information
- cloud server
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
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Classifications
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/22—Payment schemes or models
- G06Q20/223—Payment schemes or models based on the use of peer-to-peer networks
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
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- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- Accounting & Taxation (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Computer Security & Cryptography (AREA)
- Finance (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention discloses a kind of method and merchant client of point-to-point E-Payment, methods described includes：Sequence information is received, and generates order；Receive unique features code；The unique features code that will be received is encrypted；Unique features code after encryption is uploaded to cloud server；Receive the check information from cloud server；If verification failure, it is required that receiving the unique features code again；If verifying successfully, pay successfully；Payment information is uploaded to the cloud server.The method and merchant client that the present invention is provided can solve the problem that and stolen present in E-Payment brush and pseudo-base station swindle, and increase payment convenience.
Description
Technical field
The present invention relates to computer, network and financial technology field, and in particular to a kind of method of point-to-point E-Payment
And merchant client.
Background technology
E-Payment refers to unit, individual is direct or authorizes other people to send payment instruction by electric terminal, realizes currency
The behavior of Zhi Fuyu funds transfer, it is very universal in social life.
The Chinese patent literature of Publication No. CN103955828A discloses a kind of point-to-point payment system and method, is related to
E-Payment field, system includes：First financial institution's paying server, and respectively with first financial institution's paying server
The paying party NFC terminal and beneficiary NFC terminal connected by wireless network；Being recorded in first financial institution's paying server has
The accounts information of paying party first and the accounts information of beneficiary first；Pass through between paying party NFC terminal and beneficiary NFC terminal
NFC ad hoc modes carry out mutually accounts information certification, and after certification passes through, beneficiary NFC terminal pays with the first financial institution
Server is traded data syn-chronization, and transaction data is verified by first financial institution's paying server, and completes payment
The synchronization of the first accounts information of side and the accounts information of beneficiary first.Using the point-to-point payment system and method, two consumption
Can easily be paid the bill by the terminal security with NFC function and operation of being collected money between person.
The Chinese patent literature of Publication No. CN105787729A discloses one kind and realizes point-to-point payment by touch-screen
The method and system transferred accounts, the described method comprises the following steps：S100 connects the first touch control terminal and the second touch control terminal microspur
Touch, be used to obtain the hardware information and Financial Information of other side, and send to an external third-party server；S200 third party takes
Business device is matched the hardware information of reception with the hardware information for prestoring respectively, opens transfer of payment function；S300
One touch control terminal and the second touch control terminal confirm to the Financial Information that interaction is obtained；S400 third-party server by receive
Transfer amounts are believed by bill payment to the finance for being associated with the second touch control terminal for being associated with the Financial Information of the first touch control terminal
In the account of breath.Beneficial effect is：The method and system of point-to-point transfer of payment are realized by touch-screen, can be in two movements
Terminal room carry out it is point-to-point transfer accounts automatically, reduce the error rate caused due to transferring accounts manually, and operation enhanced convenience is quick.
The content of the invention
It is an object of the invention to provide a kind of method and merchant client of point-to-point E-Payment, what the present invention was provided
Method and merchant client can solve the problem that and stolen present in E-Payment brush and pseudo-base station swindle, and increase payment convenience.
To achieve the above object, the present invention provides a kind of method of point-to-point E-Payment, and methods described includes：Reception is ordered
Single information, and generate order；Receive unique features code；The unique features code that will be received is encrypted；It is unique after by encryption
Condition code is uploaded to cloud server；Receive the check information from cloud server；If verification failure, it is required that receiving again
The unique features code；If verifying successfully, pay successfully；Payment information is uploaded to the cloud server.
Alternatively, if it is desired to after receiving the unique features code again, unique features code not received in -180 seconds 1 second,
Again sequence information is received.
Alternatively, the payment information includes the sequence information, payment and the place of payment.
Alternatively, the unique features code is fingerprint or iris.
Alternatively, the number of times of the encryption is three times.
The present invention also provides a kind of merchant client of point-to-point payment, and the merchant client includes：Sequence information connects
Receive and generation module, be configured as receiving sequence information, and generate order；Unique features code module is received, is configured as receiving
Unique features code；Encryption unique features code module, the unique features code for being configured as being received is encrypted；Unique features code
Uploading module, is configured as the unique features code after encryption being uploaded to cloud server；Check information module is received, is configured
To receive the check information from cloud server；If verification failure, it is required that receiving the unique features code again；If verification
Success, then pay successfully；Payment information uploading module, is configured as payment information being uploaded to the cloud server.
Alternatively, the merchant client also includes：Again sequence information module is received, is configured as if it is desired to connect again
After receiving the unique features code, unique features code is not received in -180 seconds 1 second.
Alternatively, the payment information uploading module is configured as order uploaded information, payment and the place of payment extremely
The cloud server.
Alternatively, the reception unique features code module is Fingerprint Identification Unit or iris recognition device.
Alternatively, the encryption unique features code module is configured as encryption repeatedly.
The invention has the advantages that：
The present invention can substantially abandon user terminal and be paid, and increase and pay convenience, but also can use various biologies
Identification technology is verified, and ensures safety of payment.
Brief description of the drawings
Fig. 1 is a kind of schematic flow sheet of specific embodiment of the inventive method.
Fig. 2 is a kind of schematic flow sheet of specific embodiment of the inventive method.
Specific embodiment
Following examples are used to illustrate the present invention, but are not limited to the scope of the present invention.
Existing method of payment is generally user operation is carried out in merchant client and places an order, then merchant client generation two
Dimension code is scanned or scans the Quick Response Code of user mobile phone generation for user using mobile phone.Although existing method of payment need not be adopted
Paid with currency, but electronic transaction safety problem can be produced, the information that such as pseudo-base station can send mistake is propped up to user
Pay.If in addition, the mobile phone of user lost, can also allow lawless person to have an opportunity to take advantage of, the bank card or letter of brush and mobile phone association are stolen
With card.For these reasons, applicant determines to improve existing electric paying method, idiographic flow using more excellent method
A kind of specific embodiment see Fig. 1.
As shown in figure 1, user is placed an order in merchant client first without carrying mobile phone, then merchant client
Generation order after require client submit to unique features code, unique features code refer in the world in the absence of repeat, only certain use
Condition code that family possesses, can determine user identity.If user submits unique features code to, e.g. fingerprint or iris can be with
The Fingerprint Identification Unit or iris recognition device carried using merchant client are scanned；Merchant client enters unique features code
Row Tertiary infilling, for example can be using methods such as RSA；Unique features code after encryption is uploaded to cloud server carries out school
Test, the unique features code and corresponding bank account information of user are included on cloud server；If cloud server is verified
Success, merchant client display pays successfully and provides the corresponding commodity of user or service, and by payment information, such as order is believed
Breath, payment and place of payment etc. are uploaded to cloud server, and cloud server can deduct the corresponding bank account of user
The amount of money simultaneously records the record of the transaction, for consulting；If cloud server verification failure, merchant client may require that user
Submit unique features code to again, then user submits unique features code to again, now unique features code can change, and for example may be used
Fingerprint is turned to be become by iris, or another fingerprint is varied to by the fingerprint of a certain finger；Merchant client receives unique features
This feature code is repeated into abovementioned steps after code, until verifying successfully；If user abandons this transaction, merchant client 1 second-
After unique features code is not received in 180 seconds (time of changing can freely be set, not limited to this), sequence information is received again.
Specifically, as shown in Fig. 2 the method for point-to-point E-Payment of the invention includes：
Step S1：Sequence information is received, and generates order；
Step S2：Receive unique features code；
Step S3：The unique features code that will be received is encrypted, to prevent unique features code to be tampered；
Step S4：Unique features code after encryption is uploaded to cloud server；
Step S5：Receive the check information from cloud server；If verification failure, it is required that receiving described unique again
Condition code；If verifying successfully, pay successfully；Cloud server belongs to public system, and bank, businessman and user can be total to
Enjoy, can be by government offices' concrete management, to realize the security of cloud server；
Step S6：Payment information is uploaded to the cloud server.
Although the present invention is described in detail above to have used general explanation and specific embodiment, at this
On the basis of invention, it can be made some modifications or improvements, this will be apparent to those skilled in the art.Therefore,
These modifications or improvements, belong to the scope of protection of present invention without departing from theon the basis of the spirit of the present invention.
Claims (10)
1. a kind of method of point-to-point E-Payment, it is characterised in that methods described includes：
Sequence information is received, and generates order；
Receive unique features code；
The unique features code that will be received is encrypted；
Unique features code after encryption is uploaded to cloud server；
Receive the check information from cloud server；If verification failure, it is required that receiving the unique features code again；If school
Test successfully, then pay successfully；
Payment information is uploaded to the cloud server.
2. method according to claim 1, it is characterised in that if it is desired to after receiving the unique features code again, 1 second-
Unique features code is not received in 180 seconds, sequence information is received again.
3. method according to claim 1, it is characterised in that the payment information includes the sequence information, pays gold
Volume and the place of payment.
4. method according to claim 1, it is characterised in that the unique features code is fingerprint or iris.
5. method according to claim 1, it is characterised in that the number of times of the encryption is three times.
6. a kind of merchant client of point-to-point payment, it is characterised in that the merchant client includes：
Sequence information is received and generation module, is configured as receiving sequence information, and generate order；
Unique features code module is received, is configured as receiving unique features code；
Encryption unique features code module, the unique features code for being configured as being received is encrypted；
Unique features code uploading module, is configured as the unique features code after encryption being uploaded to cloud server；
Check information module is received, is configured as receiving the check information from cloud server；If verification failure, it is required that again
It is secondary to receive the unique features code；If verifying successfully, pay successfully；
Payment information uploading module, is configured as payment information being uploaded to the cloud server.
7. merchant client according to claim 6, it is characterised in that the merchant client also includes：Again receive
Sequence information module, after being configured as if it is desired to receive the unique features code again, does not receive unique spy in -180 seconds 1 second
Levy code.
8. merchant client according to claim 6, it is characterised in that the payment information uploading module is configured as
Pass sequence information, payment and the place of payment to the cloud server.
9. merchant client according to claim 6, it is characterised in that the reception unique features code module is that fingerprint is known
Other device or iris recognition device.
10. merchant client according to claim 6, it is characterised in that the encryption unique features code module is configured
For encryption is multiple.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201611056050.7A CN106779715A (en) | 2016-11-24 | 2016-11-24 | A kind of method and merchant client of point-to-point E-Payment |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201611056050.7A CN106779715A (en) | 2016-11-24 | 2016-11-24 | A kind of method and merchant client of point-to-point E-Payment |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN106779715A true CN106779715A (en) | 2017-05-31 |
Family
ID=58910901
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201611056050.7A Pending CN106779715A (en) | 2016-11-24 | 2016-11-24 | A kind of method and merchant client of point-to-point E-Payment |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN106779715A (en) |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108764923A (en) * | 2018-05-30 | 2018-11-06 | 深圳市广和通无线股份有限公司 | Method of payment, device, system and storage medium |
| CN109034782A (en) * | 2018-07-27 | 2018-12-18 | 苏州邻海信息科技有限公司 | A kind of closed loop using rank fusion identifying code checks and writes off system and method |
| CN109544149A (en) * | 2018-09-28 | 2019-03-29 | 珠海横琴现联盛科技发展有限公司 | Payment information method for anti-counterfeit based on optical character identification |
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| US20020138425A1 (en) * | 2000-10-20 | 2002-09-26 | Atsushi Shimizu | Electronic payment system and method for electronic payment |
| CN1760904A (en) * | 2005-11-17 | 2006-04-19 | 张晔 | Charging system based on validation of fingerprint |
| CN101901517A (en) * | 2009-05-27 | 2010-12-01 | 上海点佰趣信息科技有限公司 | Fingerprint payment certificate server, fingerprint payment method and system thereof |
| CN102194178A (en) * | 2011-06-08 | 2011-09-21 | 钱袋网（北京）信息技术有限公司 | Payment processing system, method and device |
| CN105046494A (en) * | 2015-07-10 | 2015-11-11 | 韩文兵 | Payment system based on iris identification and fingerprint identification |
| CN105046493A (en) * | 2015-07-10 | 2015-11-11 | 韩文兵 | Payment system based on face identification and fingerprint identification |
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2016
- 2016-11-24 CN CN201611056050.7A patent/CN106779715A/en active Pending
Patent Citations (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20020138425A1 (en) * | 2000-10-20 | 2002-09-26 | Atsushi Shimizu | Electronic payment system and method for electronic payment |
| CN1760904A (en) * | 2005-11-17 | 2006-04-19 | 张晔 | Charging system based on validation of fingerprint |
| CN101901517A (en) * | 2009-05-27 | 2010-12-01 | 上海点佰趣信息科技有限公司 | Fingerprint payment certificate server, fingerprint payment method and system thereof |
| CN102194178A (en) * | 2011-06-08 | 2011-09-21 | 钱袋网（北京）信息技术有限公司 | Payment processing system, method and device |
| CN105046494A (en) * | 2015-07-10 | 2015-11-11 | 韩文兵 | Payment system based on iris identification and fingerprint identification |
| CN105046493A (en) * | 2015-07-10 | 2015-11-11 | 韩文兵 | Payment system based on face identification and fingerprint identification |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108764923A (en) * | 2018-05-30 | 2018-11-06 | 深圳市广和通无线股份有限公司 | Method of payment, device, system and storage medium |
| CN109034782A (en) * | 2018-07-27 | 2018-12-18 | 苏州邻海信息科技有限公司 | A kind of closed loop using rank fusion identifying code checks and writes off system and method |
| CN109544149A (en) * | 2018-09-28 | 2019-03-29 | 珠海横琴现联盛科技发展有限公司 | Payment information method for anti-counterfeit based on optical character identification |
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| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20170531 |
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| RJ01 | Rejection of invention patent application after publication |