CN106910058B - Optical authentication rapid off-line payment method with hidden channel - Google Patents
Optical authentication rapid off-line payment method with hidden channel Download PDFInfo
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
- G06Q20/363—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user
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- G06Q20/3678—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes e-cash details, e.g. blinded, divisible or detecting double spending
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Abstract
The invention discloses a quick off-line payment method for optical authentication with a hidden channel. Establishing a set of optical authentication fast off-line consumption device with a hidden channel, comprising: electronic purses, consumer machines, and servers; the device is based on the premise of combining a visible light communication technology and a bar code scanning and identifying technology, a visible light signal receiving and transmitting device, a bar code display device and a scanning device which are equipped with a consumer computer and an electronic wallet are adopted to form a communication channel, an information hiding channel is formed by using an illumination backlight of the bar code and a display device of other prompt information, the consumer computer and the electronic wallet are required to simultaneously receive and process information transmitted by the hiding channel and carry out interactive authentication of visible light signals and bar code scanning and identifying.
Description
Technical Field
The invention belongs to the technical field of optical payment, and particularly relates to an optical authentication rapid off-line payment method with a hidden channel.
Background
Visible Light Communication (VLC) technology. The VLC technology is a method for realizing wireless communication by utilizing the characteristics that an LED can emit high-frequency flicker and light flicker which cannot be sensed by human eyes, carrying signals by the high-frequency flicker of the LED at a data sending end and collecting the signals by a photosensitive element with the same quick response time at a receiving end.
The traditional cashless transaction means is online transaction, and the original magnetic card system is a typical online transaction system. The off-line payment is a transaction payment means carried out when the communication of network, GPRS, 3G, 4G and the like is interrupted, and RFID and NFC are common off-line payment methods at present.
The code scanning is a popular information acquisition mode at present, and the code scanning payment is an on-line payment mode developed on the basis of a code scanning technology and technologies such as WeChat and Paibao. However, the payment means belonging to the code scanning payment is still an online payment method which cannot be separated from the network, and the method cannot solve the problem that the payment cannot be realized due to the interruption of network communication like offline payment.
The code of the code scanning is usually a dynamically variable code which needs to be displayed on a display screen, and the existing liquid crystal screen and LED screen are required to provide backlight illumination which is a good carrier for visible light communication. The illumination backlight is an information carrier which is easy to ignore, is used as a transmission carrier of a hidden signal, is applied to the field of optical payment, can provide a hidden channel, and improves the safety of a payment link.
The invention is inspired by the technical modes, utilizes the standard configurations of the camera, the flash lamp and the ambient light sensing module, which are almost modern smart phones and tablet computers, and jointly constructs a safe and hidden off-line payment method, so that people can easily shop and consume as long as carrying the mobile phones and the tablet computers.
Disclosure of Invention
The invention aims to provide a light authentication quick off-line payment method with a hidden channel.
The method comprises the following specific steps:
(1) establishing a set of optical authentication fast off-line consumption device with a hidden channel, comprising: electronic purses, consumer machines, and servers.
An electronic wallet, comprising: the wallet comprises a visible light emitting module, a bar code scanning module, a control module, a wallet module, an input module, a display module, a data interface and a wallet light receiving module; the visible light emitting module is used for generating and sending visible light signals according to the information input by the control module; the bar code scanning module is used for scanning and identifying bar codes and outputting an identification result to the control module; a control module to: 1. processing information to be sent to generate a data packet, outputting the data packet to a visible light emitting module, and driving the visible light emitting module to send a visible light signal; 2. receiving the scanning result output of the bar code scanning module, and verifying the scanning result; 3. receiving the result output of the wallet light receiving module, and identifying and authenticating the result output; 4. generating information needing to pass through the visible light emitting module according to the received information and the generated payment information; 5. the wallet module carries out consumption, recharging, balance inquiry and operation log information reading and writing operations; 6. the data interaction can be carried out with the server through the data interface; a wallet module for holding a wallet comprising: user account information, wallet balance, consumption authority, inquiry password, payment password, operation log and information of a production issuing organization; the input password can be verified to be consistent with the password stored in the wallet password module; the input module is used for inputting information including payment amount, inquiry passwords, payment passwords and operation instructions to the control module; the display module is used for displaying payment amount, a password input interface, an operation instruction and prompt information; the data interface is used for providing a networking function of the electronic wallet and providing functions of connecting with the server and performing data exchange, data maintenance and upgrading; and the wallet light receiving module is used for receiving the visible light backlight signal sent by the backlight module.
A consumer machine, comprising: the system comprises a visible light receiving module, a bar code display module, a read-write control module, a cash register module, a keyboard module, a communication module and a backlight module; the visible light receiving module is used for receiving the visible light signals, processing and restoring the visible light signals into corresponding digital signals, and restoring the digital signals into data packets; a barcode display module for: 1. generating and displaying a bar code according to the input information of the read-write control module; 2. displaying the transaction amount, a password input interface, an operation instruction and prompt information; a read-write control module for: 1. receiving the output of the visible light receiving module, and identifying and authenticating the output; 2. processing information to be sent and outputting the information to a bar code display module; 3. processing information to be sent in an optical signal form, generating a data packet, outputting the data packet to a backlight module, and driving the backlight module to send a visible light signal; 4. the cash box module is used for performing consuming, recharging, balance inquiring and operation log information reading and writing operations; 5. providing a data interface, and uploading and downloading information with a server through a communication module; receive cash box module for save including: operation log, collection consumption authority, blacklist, cash balance, operation password, validity period and production and issuing organization; the keyboard module is used for inputting transaction amount, transaction password and operation instruction to the read-write control module; the communication module is used for connecting the upper computer or the access network in a wired or wireless mode so as to be connected with the server; and the backlight module is used for providing the bar code display module with displayed illumination backlight and sending a visible light backlight signal by using the backlight.
A server to: 1. establishing data connection for uploading and downloading with the consumer computer through the communication module; 2. establishing data connection for uploading and downloading with the electronic wallet through a data interface; 3. providing background service support of the offline payment method; 4. providing an interface for the entire offline payment device to flow funds with the financial system; 5. providing for issuing or de-authorizing a consumer machine, e-wallet, comprising: key updating, algorithm updating and upgrading, use authority adjustment, validity period adjustment, electronic wallet recharging, consumer payment, electronic wallet and consumer public information inquiry; 6. the preservation comprises the following steps: information including an authorized user list, a blacklist, an operation log summary and a consumer list.
An authorized user list for maintaining a list comprising: identity of the electronic purse that has been authorized to make offline payments, usage rights, expiration date, identity information of the electronic purse holder; the blacklist is used for storing the identity identification information of the part of the electronic wallets which are refused to pay for the transaction due to arrearage, loss report and illegal use records in the authorized user list; a payment interface for providing an interface for funds flow throughout the offline payment device with the financial system; the operation log summarization is used for storing information including query, recharge, consumption operation time, payment amount and payment process data parameters of all the consumption machines and the electronic wallets; a consumer machine manifest for maintaining a list comprising: identity, usage rights, expiration dates of the consumer machine, identity information of the consumer machine holder that has been authorized to enable the offline payment transaction; the server is used for issuing authority to the equipment comprising the module of the consumer machine and the function thereof, so that the equipment has the function of receiving the electronic wallet in the device for payment; the server is used for issuing authority to the equipment comprising the module and the function of the electronic wallet, so that the electronic wallet has the function of paying to a consumption machine in the device; meanwhile, the server issues an authorization to the user, wherein the authorization mode is to issue an authorization entity hardware device or to provide an authorization number for the user of the existing device; the server is used for recharging the authorized entity hardware equipment or the existing user equipment providing the authorization number, and writing the electronic wallet identity, the use authority, the validity period, the payment password and the inquiry password of the electronic wallet and the identity information of the electronic wallet holder.
(2) In the optical authentication fast offline consumption device with the hidden channel established in the step (1), payment is initiated to a consumption machine by an electronic wallet, and the payment process comprises the following steps:
ZF1, the wallet generates a payment request code QQM1, the payment request code QQM1 includes: the electronic wallet identity QID1, the payment random code QRD1 and the payment amount ZFR1, and the visible light emitting module sends the payment request code QQM1 to the consumer machine in a visible light signal mode.
ZF2, the consumer machine receives the payment request code QQM2 in the form of visible light signal through the visible light receiving module, and extracts the electronic wallet identity QID2, the payment random code QRD2 and the payment amount ZFR 2; the consumer computer generates a response random code YDR2 and an optical random code GRD2, obtains a collection response code SKYD2 through calculation according to a payment request code QQM2, the response random code YDR2 and the optical random code GRD2, and generates a collection code SKM2, wherein the collection code SKM2 comprises: the payment amount is SJR2, the consumer identity SID2, the collection response code SKYD2, the payment request code QQM2 and the payment random code QRD 2.
ZF2.1, the consumer computer generates a bar code from the collection code SKM2, and the bar code is displayed through a bar code display module; and sends the optical random code GRD2 to the electronic purse in a visible light signal mode through the backlight module.
ZF3, scanning the bar code displayed by the bar code display module of the consumer by the electronic purse to obtain a collection code SKM3, and receiving the optical random code GRD3 by the electronic purse through the purse optical receiving module; extracting collection amount SJR3, consumer identity identification SID3, collection response code SKYD3 and payment random code QRD3 from collection code SKM 3; and the payment request code QQM3 and the response random code YDR3 are obtained through calculation according to the collection response code SKYD3 and the optical random code GRD 3.
ZF3.1, the following comparative validation was performed:
1) payment request codes QQM1 generated by the electronic wallet in ZF1 and payment request codes QQM3 obtained by operation in ZF3.
2) And the payment amount ZFR1 and ZF3 generated by the electronic wallet in the ZF1 is received and extracted from the collection code to obtain SJR 3.
3) The payment random code QRD3 received and extracted from the payment collection code in the payment random codes QRD1 and ZF3 generated by the electronic purse in ZF 1.
If the two are inconsistent, the payment process is quitted, and prompt information of wrong payment request is displayed on the display module; if they are consistent, ZF3.2 is entered.
ZF3.2, the electronic wallet calculates a payment confirmation code FKQR3 and generates a payment code ZFM3 according to a collection amount SJR3, a consumer identity SID3, a collection response code SKYD3, a payment random code QRD3, a response random code YDR3 and an optical random code GRD3, wherein the payment code ZFM3 comprises a collection code SKM3, an electronic wallet identity FID1, a payment amount FJR1 and a payment confirmation code FKQR3, and the payment code ZFM3 is sent out by a visible light emitting module in a form of visible light signals.
ZF4, the consumer machine receives a signal in a visible light signal form through a visible light receiving module to obtain a payment code ZFM4, extracts a collection code SKM4, an electronic wallet identity QID4, a payment amount FJR4 and a payment confirmation code FKQR4 from the payment code ZFM4, and extracts a collection amount SJR4, a consumer machine identity SID4, a collection response code SKYD4, a collection amount SJR3 and a payment random code QRD4 from SKM 4; the payment confirmation code FKQR4 is used for calculating and obtaining a collection response code SKYD4, a response random code YDR4 and an optical random code GRD 4.
ZF4.1, comparative validation was performed with at least the following:
1) and comparing the collected code SKM4 extracted from the collected response code SKM2 and ZF4 obtained by ZF2 operation.
2) The response random code YDR2 generated in ZF2 and the response random code YDR4 calculated in ZF4 are compared.
3) The optical random code GRD4 calculated in the optical random code GRD2 generated in ZF2 and ZF4 is compared.
4) The wallet identity QID2 extracted from ZFM4 in ZF2 and ZF4 were compared to the wallet identity QID4 extracted from ZFM 4.
5) And comparing the payment amount ZFR2 obtained in the ZF2 with the collection amount SJR2 extracted from the ZFM4 in the ZF4 to obtain a collection amount SJR 4.
6) The payment random code QRD4 extracted from ZFM4 in the payment random code QRD2 and ZF4 obtained in ZF2 is compared.
If the 6 contrasts are respectively consistent, entering ZF 4.2; otherwise, the payment process is quitted, and prompt information of error verification is displayed on the bar code display module.
ZF4.2, the consumer generates an optical confirmation code GQR4, and calculates according to the electronic wallet identity QID4, the payment amount FJR4, the consumer identity SID4, the collection response code SKYD4, the response random code YDR4, the optical confirmation code GQR4 and the payment random code QRD4 to obtain the collection confirmation code SKQR 4.
ZF4.3, the consumer machine generates a bar code from the collection confirmation code SKQR4, and the bar code is displayed through a bar code display module; and the light confirmation code GQR4 is sent out to the electronic purse in a visible light signal mode through the backlight module.
ZF5, the electronic purse scans the bar code displayed by the bar code display module of the consumer computer to obtain the collection confirmation code SKQR5, and the electronic purse receives the light confirmation code GQR5 by the purse light receiving module; and calculating according to the optical confirmation code GQR5 and the payment confirmation code SKQR5 to obtain an electronic wallet identity QID5, a payment amount FJR5, a consumer identity SID5, a payment response code SKYD5, a response random code YDR5 and a payment random code QRD 5.
ZF5.1, comparative validation was performed with at least the following:
1) the wallet id QID1 is compared with the wallet id QID5 calculated from ZF5.
2) The payment amount ZFR1 generated by ZF1 and the payment amount FJR5 calculated from ZF5 are compared.
3) Comparing the payment random code QRD1 generated by ZF1 with the payment random code QRD5 obtained by operation from ZF5.
4) And comparing the consumer identity SID3 obtained by ZF3 with the consumer identity SID5 obtained by operation from ZF5.
5) Comparing the collection response code SKYD3 generated by ZF3 with the collection response code SKYD5 calculated from ZF5.
6) The response random code YDR3 generated by ZF3 and the response random code YDR5 calculated from ZF5 are compared.
If the comparison is inconsistent, the payment process is quitted, and prompt information of verification errors is displayed on the display module; if consistent, ZF5.2 is entered.
ZF5.2, the electronic wallet sends out the visible light signal in the form of visible light signal according to the light confirmation code GQR5 and the collection confirmation code SKQR 5.
ZF5.3, updating the wallet balance of the wallet module, generating an operation log by using the operation time SJ, the payment amount FJR5, the identity identification SID5 of the consumer computer and the collection response code SKYD5, and displaying prompt information of successful payment through a display module.
ZF6, the consumer machine receives the visible light signal through the visible light receiving module, extracts the light confirmation code GQR5 and the payment confirmation code SKQR5 from the visible light signal, writes the operation time SJ, the electronic wallet identity FID6, the payment amount FJR6, the payment code ZFM6 and the payment code SKM6 into the cashbox module, generates an operation log, updates the balance information of the cashbox module, and displays the prompt information of successful cashing through the bar code display module.
(3) In the payment process, the data sent by the consumer machine is received from the electronic wallet, and the data sent by the electronic wallet is received from the consumer machine, so that the possibility that the data cannot be identified exists in the transceiving process, and therefore, in the payment process, for the situation that the data cannot be identified and cannot be identified due to the fact that the data cannot be received, the device unilaterally ends the payment process after a set waiting time is overtime.
In the payment process, the data sent from the electronic wallet to the consumer machine and the data sent from the consumer machine to the electronic wallet may have risks of data loss, tampering and forgery in the transceiving process, so in the payment process, for each received key data, it is assumed that the currently received data is different from the data generated or received in the previous steps of the payment process, and comparison and verification are required, thereby ensuring the authenticity and integrity of the transceiving data.
The invention is based on the premise of combining the visible light communication technology and the bar code scanning identification technology, and utilizes the illumination backlight of a display device of bar codes and other prompt information to construct a hidden channel so as to improve the safety of the payment process, thereby providing the quick small-amount password-free offline payment method for bidirectional authentication of visible light and bar codes with hidden signals.
Drawings
FIG. 1 is a schematic diagram of the structure of the process of the present invention.
Fig. 2 is a block diagram of an apparatus in an embodiment of the present invention.
The labels in the figure are: 1-an electronic wallet; 2-a consumer machine; 3-a server; 11-a control module; 12-an input module; 13-a display module; 14-a data interface; 15-a barcode scanning module; 16-a wallet module; 17-a visible light emitting module; 18-a wallet light receiving module; 21-read-write control module; 22-a barcode display module; 23-cash register box module; 24-a visible light receiving module; 25-a keyboard module; 26-a backlight module; 27-a communication module.
Detailed Description
Example (b):
the invention discloses a quick off-line payment method for optical authentication with a hidden channel, which comprises the following specific implementation steps:
establishing a set of optical authentication fast off-line consumption device with a hidden channel, comprising: an electronic wallet 1, a consumer machine 2 and a server 3.
And the visible light emitting module 17 is used for generating and sending a visible light signal according to the information input by the control module 11.
And the bar code scanning module 15 is used for scanning and identifying a bar code and outputting an identification result to the control module 11.
A control module 11 for: 1. processing information to be sent to generate a data packet, outputting the data packet to the visible light emitting module 17, and driving the visible light emitting module 17 to send a visible light signal; 2. receiving the scanning result output of the bar code scanning module 15, and verifying the scanning result; 3. the wallet module 16 performs consumption, recharging, balance inquiry and operation log information reading and writing operations; 4. generating information to be transmitted through the visible light emitting module 17 according to the received information and the generated payment information; 5. data interaction with the server 3 can be carried out through the data interface 14; 6. and receiving the result output of the wallet light receiving module 18, and identifying and authenticating the result.
A wallet module 16 for holding a wallet comprising: user account information, wallet balance, consumption authority, inquiry password, payment password, operation log and information of a production issuing organization; and can verify whether the input password is consistent with the password stored in the wallet password module.
And the input module 12 is used for inputting payment amount, inquiry password, payment password and operation instruction to the control module 11.
And the display module 13 is used for displaying payment amount, a password input interface, an operation instruction and prompt information.
And the data interface 14 is used for providing networking functions of the electronic wallet 1, and providing functions of connecting with the server 3 and performing data exchange, data maintenance and upgrading.
The wallet light receiving module 18 is configured to receive the visible light backlight signal sent by the backlight module 26.
The electronic wallet 1 is implemented by a smart phone equipped with a flash, a photoelectric sensor, and a camera.
The wallet module 16 is implemented using a cell phone sim card.
The visible light receiving module 24 is configured to receive the visible light signal, process and restore the visible light signal to a corresponding digital signal, and restore the digital signal to a data packet.
A barcode display module 22 for: 1. generating and displaying a bar code according to the input information of the read-write control module 21; 2. and displaying the transaction amount, the password input interface, the operation instruction and the prompt information.
A read-write control module 21, configured to: 1. receiving the output of the visible light receiving module 24 and authenticating the output; 2. processing the information to be sent and outputting the information to the bar code display module 22; 3. the cashier box module 23 is used for consuming, recharging, inquiring balance and reading and writing operation of operation log information; 4. providing a communication interface, and uploading and downloading information with the server 3 through the communication module 27; 5. the information to be transmitted in the form of optical signals is processed to generate a data packet, and the data packet is output to the backlight module 26 to drive the backlight module 26 to transmit visible light signals.
A cash box module 23 for holding including: operation log, collection consumption authority, blacklist, cash balance, operation password, validity period and production and issuing organization.
And the keyboard module 25 is used for inputting the transaction amount, the transaction password and the operation instruction to the read-write control module 21.
And the communication module 27 is used for connecting the upper computer or the access network in a wired or wireless mode so as to be connected with the server.
And the backlight module 26 is used for providing an illuminating backlight for the bar code display module 22 to display, and simultaneously sending a visible light backlight signal by using the backlight.
A server 3 for: 1. establishing data connection for uploading and downloading with the consumption machine 2 through the communication module 27; 2. establishing data connection for uploading and downloading with the electronic wallet 1 through the data interface 14; 3. providing background service support of the offline payment method; 4. providing an interface for the entire offline payment device to flow funds with the financial system; 5. issuing or de-authorizing the consumer machine 2, the electronic wallet 1, the providing comprising: key updating, algorithm updating and upgrading, use authority adjustment, validity period adjustment, electronic wallet recharging, consumer payment, electronic wallet and consumer public information inquiry; 6. the preservation comprises the following steps: information including an authorized user list, a blacklist, an operation log, a list of consumer machines.
An authorized user list for maintaining a list comprising: identification of electronic purse that has been authorized to make off-line payment, usage rights, expiration date, identity information of electronic purse holder.
And the blacklist is used for storing the identification information of the part of the electronic wallets which are refused to pay for the transaction due to arrearage, loss report and illegal use records in the authorized user list.
And the payment interface is used for providing an interface for the whole offline payment device to flow funds with the financial system.
And the operation log collection is used for storing information including inquiry, recharging and consumption operation time, payment amount and payment process data parameters of all the consumption machines and the electronic wallets.
And the consumer machine list is used for storing the information, the use authority and the validity period of the consumer machine terminal which is authorized to carry out the off-line payment transaction.
The issuing process of the electronic wallet comprises the following steps: the server issues an authorization to the user, and the authorization mode can be to issue an authorization entity hardware device or to provide an authorization number for the existing device equipped with the invention; the server is used for recharging the authorized entity hardware equipment or the existing user equipment providing the authorization number, and writing the electronic wallet identity, the use authority, the validity period, the payment password and the inquiry password of the electronic wallet and the identity information of the electronic wallet holder.
In the above arrangement, payment is initiated by the e-wallet 1 to the consumer machine 2, the payment process including the steps of:
ZF1, wallet 1 generates a payment request code QQM1, payment request code QQM1 includes: the electronic purse identity QID1, the payment random code QRD1, the payment amount ZFR1, and the visible light emitting module 17 sends the payment request code QQM1 to the consumer machine 2 by means of a visible light signal.
ZF2, the consumer machine 2 receives 24 the payment request code QQM2 in the form of visible light signal through the visible light receiving module, and extracts the electronic wallet identity QID2, the payment random code QRD2 and the payment amount ZFR 2; the consumer machine 2 generates a response random code YDR2 and an optical random code GRD2, obtains a collection response code SKYD2 through calculation according to a payment request code QQM2, the response random code YDR2 and the optical random code GRD2, and generates a collection code SKM2, wherein the collection code SKM2 comprises: the payment amount is SJR2, the consumer identity SID2, the collection response code SKYD2, the payment request code QQM2 and the payment random code QRD 2.
ZF2.1, the consumer machine 2 generates a bar code from the collection code SKM2 and displays the bar code through the bar code display module 22; and sends the optical random code GRD2 to the electronic wallet 1 as a visible light signal through the backlight module 26.
ZF3, scanning the bar code displayed by the bar code display module 22 of the consumer machine 2 by the electronic wallet 1 to obtain a collection code SKM3, and receiving the optical random code GRD3 by the electronic wallet 1 by using the wallet optical receiving module 18; extracting collection amount SJR3, consumer identity identification SID3, collection response code SKYD3 and payment random code QRD3 from collection code SKM 3; and the payment request code QQM3 and the response random code YDR3 are obtained through calculation according to the collection response code SKYD3 and the optical random code GRD 3.
ZF3.1, the following comparative validation was performed:
1) the payment request code QQM1 generated by the electronic wallet 1 in ZF1 and the payment request code QQM3 obtained by operation in ZF3.
2) And the payment amount ZFR1 and ZF3 generated by the electronic wallet 1 in the ZF1 is received and extracted from the collection code to obtain SJR 3.
3) The payment random code QRD3 received and extracted from the payment random codes QRD1 and ZF3 generated by the electronic purse 1 in ZF 1.
If the two are inconsistent, the payment process is quitted, and prompt information of wrong payment request is displayed on the display module 13; if they are consistent, ZF3.2 is entered.
ZF3.2, the electronic wallet 1 calculates a payment confirmation code FKQR3 and generates a payment code ZFM3 according to the collection amount SJR3, the consumer identity SID3, the collection response code SKYD3, the payment random code QRD3, the response random code YDR3 and the optical random code GRD3, wherein the payment code ZFM3 comprises a collection code SKM3, an electronic wallet identity FID1, a payment amount FJR1 and a payment confirmation code FKQR3, and the payment code ZFM3 is sent out by the visible light emitting module 17 in a form of visible light signals.
ZF4, the consumer machine 2 receives the signal in the form of visible light signal through the visible light receiving module 24 to obtain a payment code ZFM4, extracts a collection code SKM4, an electronic wallet identity QID4, a payment amount FJR4 and a payment confirmation code FKQR4 from the payment code ZFM4, and extracts a collection amount SJR4, a consumer machine identity SID4, a collection response code SKYD4, a collection amount SJR3 and a payment random code QRD4 from SKM 4; the payment confirmation code FKQR4 is used for calculating and obtaining a collection response code SKYD4, a response random code YDR4 and an optical random code GRD 4.
ZF4.1, comparative validation was performed with at least the following:
1) and comparing the collected code SKM4 extracted from the collected response code SKM2 and ZF4 obtained by ZF2 operation.
2) The response random code YDR2 generated in ZF2 and the response random code YDR4 calculated in ZF4 are compared.
3) The optical random code GRD4 calculated in the optical random code GRD2 generated in ZF2 and ZF4 is compared.
4) The wallet identity QID2 extracted from ZFM4 in ZF2 and ZF4 were compared to the wallet identity QID4 extracted from ZFM 4.
5) And comparing the payment amount ZFR2 obtained in the ZF2 with the collection amount SJR2 extracted from the ZFM4 in the ZF4 to obtain a collection amount SJR 4.
6) The payment random code QRD4 extracted from ZFM4 in the payment random code QRD2 and ZF4 obtained in ZF2 is compared.
If the 6 contrasts are respectively consistent, entering ZF 4.2; otherwise, the payment process is quitted, and prompt information of error verification is displayed on the bar code display module 13.
ZF4.2, the consumer machine 2 generates an optical confirmation code GQR4, and calculates according to the electronic wallet identity QID4, the payment amount FJR4, the consumer machine identity SID4, the collection response code SKYD4, the response random code YDR4, the optical confirmation code GQR4 and the payment random code QRD4 to obtain the collection confirmation code SKQR 4.
ZF4.3, the consumer machine 2 generates a bar code from the collection confirmation code SKQR4 and displays the bar code through the bar code display module 22; and sends the light confirmation code GQR4 to the electronic wallet 1 in the form of visible light signal through the backlight module 26.
ZF5, the electronic wallet 1 scans the barcode displayed by the barcode display module 22 of the consumer machine 2 to obtain the collection confirmation code SKQR5, and the electronic wallet 1 receives the light confirmation code GQR5 by using the wallet light receiving module 24; and calculating according to the optical confirmation code GQR5 and the payment confirmation code SKQR5 to obtain an electronic wallet identity QID5, a payment amount FJR5, a consumer identity SID5, a payment response code SKYD5, a response random code YDR5 and a payment random code QRD 5.
ZF5.1, comparative validation was performed with at least the following:
1) the wallet id QID1 is compared with the wallet id QID5 calculated from ZF5.
2) The payment amount ZFR1 generated by ZF1 and the payment amount FJR5 calculated from ZF5 are compared.
3) Comparing the payment random code QRD1 generated by ZF1 with the payment random code QRD5 obtained by operation from ZF5.
4) And comparing the consumer identity SID3 obtained by ZF3 with the consumer identity SID5 obtained by operation from ZF5.
5) Comparing the collection response code SKYD3 generated by ZF3 with the collection response code SKYD5 calculated from ZF5.
6) The response random code YDR3 generated by ZF3 and the response random code YDR5 calculated from ZF5 are compared.
If the comparison is inconsistent, the payment process is quitted, and prompt information of verification errors is displayed on the display module 13; if consistent, ZF5.2 is entered.
ZF5.2, the electronic wallet 1 sends out visible light signals according to the light confirmation code GQR5 and the collection confirmation code SKQR5 by the visible light emitting module 17.
ZF5.3, updating the wallet balance of the wallet module 16, generating an operation log by using the operation time SJ, the payment amount FJR5, the identity identification SID5 of the consumer and the collection response code SKYD5, and displaying the prompt information of successful payment through the display module 13.
ZF6, the consumer apparatus 2 receives the visible light signal through the visible light receiving module 24, extracts the light confirmation code GQR5 and the payment confirmation code SKQR5 from the visible light signal, writes the operation time SJ, the electronic wallet id FID6, the payment amount FJR6, the payment code ZFM6 and the payment code SKM6 into the cashbox module 23, generates an operation log, updates the balance information of the cashbox module 23, and displays the prompt information of successful cashing through the barcode display module 22.
Claims (1)
1. A quick off-line payment method of optical authentication with hidden channel is characterized in that the method comprises the following steps:
(1) establishing a set of optical authentication fast off-line consumption device with a hidden channel, comprising: electronic purses, consumer machines, and servers;
an electronic wallet, comprising: the wallet comprises a visible light emitting module, a bar code scanning module, a control module, a wallet module, an input module, a display module, a data interface and a wallet light receiving module; the visible light emitting module is used for generating and sending visible light signals according to the information input by the control module; the bar code scanning module is used for scanning and identifying bar codes and outputting an identification result to the control module; a control module to: 1. processing information to be sent to generate a data packet, outputting the data packet to a visible light emitting module, and driving the visible light emitting module to send a visible light signal; 2. receiving the scanning result output of the bar code scanning module, and verifying the scanning result; 3. receiving the result output of the wallet light receiving module, and identifying and authenticating the result output; 4. generating information needing to pass through the visible light emitting module according to the received information and the generated payment information; 5. the wallet module carries out consumption, recharging, balance inquiry and operation log information reading and writing operations; 6. the data interaction can be carried out with the server through the data interface; a wallet module for holding a wallet comprising: user account information, wallet balance, consumption authority, inquiry password, payment password, operation log and information of a production issuing organization; the input password can be verified to be consistent with the password stored in the wallet password module; the input module is used for inputting information including payment amount, inquiry passwords, payment passwords and operation instructions to the control module; the display module is used for displaying payment amount, a password input interface, an operation instruction and prompt information; the data interface is used for providing a networking function of the electronic wallet and providing functions of connecting with the server and performing data exchange, data maintenance and upgrading; the wallet light receiving module is used for receiving the visible light backlight signal sent by the backlight module;
a consumer machine, comprising: the system comprises a visible light receiving module, a bar code display module, a read-write control module, a cash register module, a keyboard module, a communication module and a backlight module; the visible light receiving module is used for receiving the visible light signals, processing and restoring the visible light signals into corresponding digital signals, and restoring the digital signals into data packets; a barcode display module for: 1. generating and displaying a bar code according to the input information of the read-write control module; 2. displaying the transaction amount, a password input interface, an operation instruction and prompt information; a read-write control module for: 1. receiving the output of the visible light receiving module, and identifying and authenticating the output; 2. processing information to be sent and outputting the information to a bar code display module; 3. processing information to be sent in an optical signal form, generating a data packet, outputting the data packet to a backlight module, and driving the backlight module to send a visible light signal; 4. The cash box module is used for performing consuming, recharging, balance inquiring and operation log information reading and writing operations; 5. providing a data interface, and uploading and downloading information with a server through a communication module; receive cash box module for save including: operation log, collection consumption authority, blacklist, cash balance, operation password, validity period and production and issuing organization; the keyboard module is used for inputting transaction amount, transaction password and operation instruction to the read-write control module; the communication module is used for connecting the upper computer or the access network in a wired or wireless mode so as to be connected with the server; the backlight module is used for providing displayed illumination backlight for the bar code display module and sending visible light backlight signals by utilizing the backlight;
a server to: 1. establishing data connection for uploading and downloading with the consumer computer through the communication module; 2. establishing data connection for uploading and downloading with the electronic wallet through a data interface; 3. providing background service support of the offline payment method; 4. providing an interface for the entire offline payment device to flow funds with the financial system; 5. providing for issuing or de-authorizing a consumer machine, e-wallet, comprising: key updating, algorithm updating and upgrading, use authority adjustment, validity period adjustment, electronic wallet recharging, consumer payment, electronic wallet and consumer public information inquiry; 6. the preservation comprises the following steps: information including an authorized user list, a blacklist, an operation log summary and a consumer list;
an authorized user list for maintaining a list comprising: identity of the electronic purse that has been authorized to make offline payments, usage rights, expiration date, identity information of the electronic purse holder; the blacklist is used for storing the identity identification information of the part of the electronic wallets which are refused to pay for the transaction due to arrearage, loss report and illegal use records in the authorized user list; a payment interface for providing an interface for funds flow throughout the offline payment device with the financial system; the operation log summarization is used for storing information including query, recharge, consumption operation time, payment amount and payment process data parameters of all the consumption machines and the electronic wallets; a consumer machine manifest for maintaining a list comprising: identity, usage rights, expiration dates of the consumer machine, identity information of the consumer machine holder that has been authorized to enable the offline payment transaction; the server is used for issuing authority to the equipment comprising the module of the consumer machine and the function thereof, so that the equipment has the function of receiving the electronic wallet in the device for payment; the server is used for issuing authority to the equipment comprising the module and the function of the electronic wallet, so that the electronic wallet has the function of paying to a consumption machine in the device; meanwhile, the server issues an authorization to the user, wherein the authorization mode is to issue an authorization entity hardware device or to provide an authorization number for the user of the existing device; the server is used for recharging authorized entity hardware equipment or user existing equipment providing an authorization number and writing an electronic wallet identity, a use authority, a validity period, a payment password and an inquiry password of the electronic wallet and identity information of an electronic wallet holder;
(2) in the optical authentication fast offline consumption device with the hidden channel established in the step (1), payment is initiated to a consumption machine by an electronic wallet, and the payment process comprises the following steps:
ZF1, the wallet generates a payment request code QQM1, the payment request code QQM1 includes: the electronic wallet identity QID1, the payment random code QRD1 and the payment amount ZFR1 are arranged, and the visible light emitting module sends a payment request code QQM1 to the consumer machine in a visible light signal mode;
ZF2, the consumer machine receives the payment request code QQM2 in the form of visible light signal through the visible light receiving module, and extracts the electronic wallet identity QID2, the payment random code QRD2 and the payment amount ZFR 2; the consumer computer generates a response random code YDR2 and an optical random code GRD2, obtains a collection response code SKYD2 through calculation according to a payment request code QQM2, the response random code YDR2 and the optical random code GRD2, and generates a collection code SKM2, wherein the collection code SKM2 comprises: the payment amount is SJR2, the consumer identity SID2, the collection response code SKYD2, the payment request code QQM2 and the payment random code QRD 2;
ZF2.1, the consumer computer generates a bar code from the collection code SKM2, and the bar code is displayed through a bar code display module; the light random code GRD2 is sent out to the electronic purse in a visible light signal mode through a backlight module;
ZF3, scanning the bar code displayed by the bar code display module of the consumer by the electronic purse to obtain a collection code SKM3, and receiving the optical random code GRD3 by the electronic purse through the purse optical receiving module; extracting collection amount SJR3, consumer identity identification SID3, collection response code SKYD3 and payment random code QRD3 from collection code SKM 3; calculating according to a collection response code SKYD3 and an optical random code GRD3 to obtain a payment request code QQM3 and a response random code YDR 3;
ZF3.1, the following comparative validation was performed:
1) payment request codes QQM1 generated by the electronic wallet in the ZF1 and payment request codes QQM3 obtained by operation in the ZF 3;
2) the payment amount ZFR1 and ZF3 generated by the electronic wallet in ZF1 is received and extracted from the collection code to obtain SJR 3;
3) a payment random code QRD3 received from payment random codes QRD1 and ZF3 generated by the electronic purse in ZF1 and extracted from a payment collection code;
if the two are inconsistent, the payment process is quitted, and prompt information of wrong payment request is displayed on the display module; if the two are consistent, entering ZF 3.2;
ZF3.2, the electronic wallet calculates according to the collection amount SJR3, the consumer identity SID3, the collection response code SKYD3, the payment random code QRD3, the response random code YDR3 and the optical random code GRD3 to obtain a payment confirmation code FKQR3 and generate a payment code ZFM3, wherein the payment code ZFM3 comprises the collection code SKM3, the electronic wallet identity FID1, the payment amount FJR1 and the payment confirmation code FKQR3, and then the payment code ZFM3 is sent out by a visible light emitting module in a form of visible light signals;
ZF4, the consumer machine receives a signal in a visible light signal form through a visible light receiving module to obtain a payment code ZFM4, extracts a collection code SKM4, an electronic wallet identity QID4, a payment amount FJR4 and a payment confirmation code FKQR4 from the payment code ZFM4, and extracts a collection amount SJR4, a consumer machine identity SID4, a collection response code SKYD4, a collection amount SJR3 and a payment random code QRD4 from SKM 4; calculating a collection response code SKYD4, a response random code YDR4 and an optical random code GRD4 from the payment confirmation code FKQR 4;
ZF4.1, comparative validation was performed with at least the following:
1) comparing the collected code SKM4 extracted from the collected response code SKM2 and the collected response code ZF4 obtained by ZF2 operation;
2) comparing the response random code YDR2 generated in ZF2 with the response random code YDR4 obtained by operation in ZF 4;
3) comparing the optical random code GRD2 generated in ZF2 with the optical random code GRD4 obtained by operation in ZF 4;
4) comparing the electronic wallet identity QID2 extracted from ZFM4 with the electronic wallet identity QID4 extracted from ZF2 and ZF 4;
5) comparing the payment amount ZFR2 obtained in ZF2 with the collection amount SJR4 extracted from ZFM4 in the collection amounts SJR2 and ZF 4;
6) comparing the payment random code QRD4 extracted from ZFM4 in the payment random code QRD2 and ZF4 obtained in ZF 2;
if the 6 contrasts are respectively consistent, entering ZF 4.2; otherwise, quitting the payment process and displaying prompt information of verification error on the bar code display module;
ZF4.2, the consumer generates an optical confirmation code GQR4, and calculates according to the electronic wallet identity QID4, the payment amount FJR4, the consumer identity SID4, the collection response code SKYD4, the response random code YDR4, the optical confirmation code GQR4 and the payment random code QRD4 to obtain the collection confirmation code SKQR 4;
ZF4.3, the consumer machine generates a bar code from the collection confirmation code SKQR4, and the bar code is displayed through a bar code display module; the light confirmation code GQR4 is sent out to the electronic wallet in a visible light signal mode through a backlight module;
ZF5, the electronic purse scans the bar code displayed by the bar code display module of the consumer computer to obtain the collection confirmation code SKQR5, and the electronic purse receives the light confirmation code GQR5 by the purse light receiving module; according to the optical confirmation code GQR5 and the payment confirmation code SKQR5, the electronic wallet identity QID5, the payment amount FJR5, the consumer identity SID5, the payment response code SKYD5, the response random code YDR5 and the payment random code QRD5 are obtained through calculation;
ZF5.1, comparative validation was performed with at least the following:
1) comparing the electronic wallet identity QID1 with the electronic wallet identity QID5 obtained by operation in the ZF 5;
2) comparing the payment amount ZFR1 generated by ZF1 with the payment amount FJR5 obtained by operation from ZF 5;
3) comparing the payment random code QRD1 generated by ZF1 with the payment random code QRD5 obtained by operation in ZF 5;
4) comparing the consumer identity SID3 obtained by ZF3 with the consumer identity SID5 obtained by calculating from ZF 5;
5) comparing a collection response code SKYD3 generated by ZF3 with a collection response code SKYD5 obtained by operation from ZF 5;
6) comparing the response random code YDR3 generated by ZF3 with the response random code YDR5 obtained by operation from ZF 5;
if the comparison is inconsistent, the payment process is quitted, and prompt information of verification errors is displayed on the display module; if the two are consistent, entering ZF 5.2;
ZF5.2, the electronic wallet sends out the visible light signal in the form of visible light signal according to the light confirmation code GQR5 and the collection confirmation code SKQR 5;
ZF5.3, updating the wallet balance of the wallet module, generating an operation log by using the operation time SJ, the payment amount FJR5, the identity identification SID5 of the consumer computer and the collection response code SKYD5, and displaying prompt information of successful payment through a display module;
ZF6, the consumer machine receives the signal of visible light form through the visible light receiving module, extracts the light confirmation code GQR5 and the payment confirmation code SKQR5 from the signal, writes the operation time SJ, the electronic wallet identity FID6, the payment amount FJR6, the payment code ZFM6 and the payment code SKM6 into the cashbox module, generates an operation log, updates the balance information of the cashbox module, and displays the prompt information of successful cashing through the bar code display module;
(3) in the payment process, the data sent by the consumer machine is received from the electronic wallet, and the data sent by the electronic wallet is received from the consumer machine, so that the possibility that the data cannot be identified exists in the transceiving process, and therefore, in the payment process, for the data which cannot be identified and the situation that the data cannot be identified due to the fact that the data cannot be received, the device unilaterally ends the payment process after a set waiting time is overtime;
in the payment process, the data sent from the electronic wallet to the consumer machine and the data sent from the consumer machine to the electronic wallet may have risks of data loss, tampering and forgery in the transceiving process, so in the payment process, for each received key data, it is assumed that the currently received data is different from the data generated or received in the previous steps of the payment process, and comparison and verification are required, thereby ensuring the authenticity and integrity of the transceiving data.
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Application publication date: 20170630 Assignee: Guangxi Biaoyu Technology Development Co.,Ltd. Assignor: GUILIN University OF TECHNOLOGY Contract record no.: X2023980044270 Denomination of invention: A Fast Offline Payment Method for Optical Authentication with Hidden Channels Granted publication date: 20201023 License type: Common License Record date: 20231026 |