CN108460593A - A kind of offline Quick Response Code method of payment and device - Google Patents
A kind of offline Quick Response Code method of payment and device Download PDFInfo
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- CN108460593A CN108460593A CN201810263358.1A CN201810263358A CN108460593A CN 108460593 A CN108460593 A CN 108460593A CN 201810263358 A CN201810263358 A CN 201810263358A CN 108460593 A CN108460593 A CN 108460593A
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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
- G06Q20/30—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
- G06Q20/3274—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
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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
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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
- G06Q20/40—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
- G06Q20/403—Solvency checks
- G06Q20/4037—Remote solvency checks
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- Computer Security & Cryptography (AREA)
- Computer Networks & Wireless Communication (AREA)
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Abstract
The invention discloses a kind of offline Quick Response Code method of payment and device, the method includes：Mobile terminal client terminal sends out Quick Response Code payment to payment services network-side and opens request；Request is opened in the Quick Response Code payment that payment services network-side is sent out according to mobile terminal client terminal, is searched the credit record of the mobile terminal, is judged whether the mobile terminal is credible according to the credit record found；Payment services network-side generates for proving the believable bill of credit file of the mobile terminal according to the believable judgement of the mobile terminal, sends it to the mobile terminal client terminal；The Quick Response Code that the mobile terminal client terminal contains bill of credit fileinfo using the bill of credit file generated received；When the mobile terminal client terminal carries out offline electronic payment, charge end carries out corresponding delivery operation according to the Quick Response Code containing bill of credit fileinfo that the mobile terminal client terminal provides.
Description
Technical field
The present invention relates to Quick Response Code payment technology field, especially a kind of offline Quick Response Code method of payment and device.
Background technology
Quick Response Code payment is a kind of wireless payment scheme built based on system of account.When consumption checkout, show mobile phone,
The two-dimensional bar code shown on scanner, mobile phone or special equipment scanning user mobile phone can be used to initiate cash register for trade company.The technology is
It is widely used in convenience store, place is consumed in retail shop, dining room etc..
Existing widely used Quick Response Code payment technology is all the real-time network connection of requirement, and user mobile phone and trade company's barcode scanning are set
It is standby to be both needed to connect with internet, and the 2 D code information that barcode scanning obtains is transferred to payment mechanism system by commerce system and realizes branch
It pays.
The Chinese patent application of Publication No. CN106875179A discloses a kind of offline Quick Response Code payment technology, including pays
Money side generate comprising signature and payment information payment Quick Response Code, Cash collecting equipment to signing messages carry out sign test, preserve sign test at
The Quick Response Code of work(simultaneously carries out operation of withholing accordingly in the case of networking according to payment information.Due to the signature of the patent application
For paying party using private key encryption identity information as a result, no payment services mechanism provides it credit assurance, thus can only
In the case where Cash collecting equipment is networked, Quick Response Code payment is completed by being interacted with payment services network-side.
Invention content
The purpose of the present invention is to provide a kind of offline Quick Response Code methods of payment and device for supporting offline Quick Response Code transaction.
According to the first aspect of the invention, a kind of offline Quick Response Code method of payment of the invention includes：
Mobile terminal payment client (hereinafter referred to as " mobile terminal client terminal ") sends out two dimension to payment services network-side
Request is opened in code payment；
Request is opened in the Quick Response Code payment that payment services network-side is sent out according to mobile terminal client terminal, searches the movement
The credit record of terminal judges whether the mobile terminal is credible according to the credit record found；
Payment services network-side is generated according to the believable judgement of the mobile terminal for proving that the mobile terminal is credible
Bill of credit file, send it to the mobile terminal client terminal；
The mobile terminal client terminal contains the two of bill of credit fileinfo using the bill of credit file generated received
Tie up code；
When the mobile terminal client terminal carries out offline electronic payment, charge end is provided according to the mobile terminal client terminal
Quick Response Code containing bill of credit fileinfo carries out corresponding delivery operation.
The offline Quick Response Code method of payment further includes that the payment services network-side generates the bill of credit file
Afterwards, charge end will be sent to for verifying the verification information of bill of credit file.
Preferably, two containing bill of credit fileinfo that the charge end is provided according to the mobile terminal client terminal
Dimension code carries out corresponding delivery operation：The charge end is by with the verification information providing mobile terminal client terminal
Quick Response Code is distinguished and is parsed, and is verified to the Quick Response Code；After the Quick Response Code is proved to be successful, by the charge end
By generating and preserving consumption data, Quick Response Code payment is completed；The charge end passes the consumption data preserved in networking
The payment services network-side is given, so that it executes operation of withholing.
Preferably, request is opened in the Quick Response Code payment that payment services network-side is sent out according to mobile terminal client terminal, is searched
The credit record of the mobile terminal, judging whether the mobile terminal is credible according to the credit record found includes：Payment
The payment services mechanism backstage with payment function at service network end receives the mobile terminal visitor for belonging to payment services mechanism APP
After request is opened in the Quick Response Code payment at family end, the current credit paid of the mobile terminal is searched from its database
Record；If the credit record found can ensure that the user of mobile terminal is effectively paid, the payment services mechanism
Backstage then judges that the mobile terminal is credible；Conversely, then judging that the mobile terminal is currently not up to trusted standard.
Preferably, payment services network-side is generated according to the believable judgement of the mobile terminal for proving the movement
The bill of credit file of trusted end-user, sending it to the mobile terminal client terminal includes：The payment services mechanism backstage
After judging that the mobile terminal is credible, the public private key pair of the mobile terminal is generated, and to the two dimension of payment services network-side
The public key certificate that code payment application system sends the public key comprising the public private key pair signs and issues request；After the payment services mechanism
Platform receives Quick Response Code payment application system and responds after the public key certificate signs and issues request and the public key certificate signed and issued, by public key
The private key of certificate and the public private key pair is sent to the mobile terminal client terminal.
Preferably, described is the public key information, the Quick Response Code for verifying the verification information of bill of credit file
The public key information is sent to the charge end by payment application system.
Preferably, the mobile terminal client terminal is by the public key certificate described in the private key encryption, and by encrypted result
It is input in two-dimension code generator, generates the Quick Response Code.
Preferably, the charge end is known by the Quick Response Code provided mobile terminal client terminal with the verification information
It reads and parses, carrying out verification to the Quick Response Code includes：The charge end obtains two dimension by being distinguished to the Quick Response Code
Code information；The charge end solves obtained 2 D code information with the public key information for paying application system from Quick Response Code
Close processing；Whether the Quick Response Code has public key certificate after the charge end judges decryption；If judging, the Quick Response Code has institute
Public key certificate is stated, then Quick Response Code is proved to be successful.
According to the second aspect of the invention, a kind of offline Quick Response Code method of payment device of the invention includes：
Serve as the mobile terminal client terminal of paying party；
The payment services network-side of payment credit is provided for mobile terminal client terminal；And
The charge end of the payment services network-side can be connected after the completion of payment；
Wherein, the mobile terminal client terminal, payment services network-side and charge end for performing the following operations：
Mobile terminal client terminal sends out Quick Response Code payment to payment services network-side and opens request；
Request is opened in the Quick Response Code payment that payment services network-side is sent out according to mobile terminal client terminal, searches the movement
The credit record of terminal judges whether the mobile terminal is credible according to the credit record found；
Payment services network-side is generated according to the believable judgement of the mobile terminal for proving that the mobile terminal is credible
Bill of credit file, send it to the mobile terminal client terminal；
The mobile terminal client terminal contains the two of bill of credit fileinfo using the bill of credit file generated received
Tie up code；
When the mobile terminal client terminal carries out offline electronic payment, the charge end is carried according to the mobile terminal client terminal
The Quick Response Code containing bill of credit fileinfo supplied carries out corresponding delivery operation.
Preferably, after the payment services network-side generates the bill of credit file, it will be used to verify bill of credit text
The verification information of part is sent to charge end；And the charge end is by providing mobile terminal client terminal with the verification information
Quick Response Code distinguished and parsed, the Quick Response Code is verified.
Compared with the existing technology, advantageous effects of the invention include：
1, cell phone application generates two-dimensional code data by the public key certificate and corresponding private key locally preserved, during which need not rely on
Network communication function.
2, two-dimensional code data is distinguished and is parsed according to the public key write is filled in advance with ink recorder structure accepting terminal, during which need not rely on
Network communication function.
3, QR code content is protected by the private key double-encryption that public key certificate and payment services mechanism assign, and ensures peace
Entirely.
4, accepting terminal is logical without waiting for network data to that can prompt to consume after two dimension code reading successfully resolved successfully
News improve payment efficiency, extremely adapt to the payment scene of small amount high frequency.
5, the pattern of offline electronic payment is supported to can adapt to higher to network security requirement and lead to not connect interconnection in real time
The trade company of net.
The present invention is described in detail below in conjunction with the accompanying drawings.
Description of the drawings
Fig. 1 is the schematic diagram of the offline Quick Response Code payment mechanism of the offline Quick Response Code transaction technology of support of the present invention；
Fig. 2 is the signal of the embodiment of the offline Quick Response Code payment mechanism of the offline Quick Response Code transaction technology of support of the present invention
Figure；
Fig. 3 is the schematic diagram of the offline Quick Response Code method of payment of the offline Quick Response Code transaction technology of support of the present invention.
Specific implementation mode
Fig. 1 shows a kind of offline Quick Response Code payment mechanism of the offline Quick Response Code transaction technology of support of the present invention, such as schemes
Shown, a kind of offline Quick Response Code payment mechanism of the invention includes：Serve as the mobile terminal client terminal of paying party；For mobile terminal
Client provides the payment services network-side of payment credit；And the payment services network-side can be connected after the completion of payment
Charge end.
Mobile terminal client terminal, payment services network-side and charge end shown in FIG. 1 are for performing the following operations：
Mobile terminal client terminal 1 sends out Quick Response Code payment to payment services network-side 2 and opens request；
Request is opened in the Quick Response Code payment that payment services network-side 2 is sent out according to mobile terminal client terminal 3, searches the shifting
The credit record of dynamic terminal, judges whether the mobile terminal is credible according to the credit record found；
Payment services network-side 2 is generated according to the believable judgement of the mobile terminal for proving that the mobile terminal can
The bill of credit file of letter, sends it to the mobile terminal client terminal 1；
The mobile terminal client terminal 1 contains the two of bill of credit fileinfo using the bill of credit file generated received
Tie up code；
When the mobile terminal client terminal 1 carries out offline electronic payment, charge end 3 is provided according to the mobile terminal client terminal
Quick Response Code containing bill of credit fileinfo carry out corresponding delivery operation.
Mobile terminal client terminal 1 and client 3 can pass through mobile radio communication either wireless access point or wireless local
Net access payment services network-side 2, to complete aforesaid operations.
Fig. 2 shows an implementation of the offline Quick Response Code payment mechanism of the offline Quick Response Code transaction technology of support of the present invention
Example, as shown in Fig. 2, the present invention payment services network-side 2 include for complete network payment transaction payment services mechanism after
Platform and the Quick Response Code for providing payment credit pay application system.Charge end 3 includes accepting terminal and accepting terminal backstage.It is mobile
Client terminals 1 belong to the payment services mechanism APP of payment transaction, i.e., the payment services mechanism downloaded from payment services mechanism
Application program.
Fig. 3 shows the offline Quick Response Code method of payment of the offline Quick Response Code transaction technology of support of the present invention, such as Fig. 3 institutes
Show, offline Quick Response Code method of payment of the invention includes：
Mobile terminal client terminal 1 sends out Quick Response Code payment to payment services network-side 2 and opens request；
Request is opened in the Quick Response Code payment that payment services network-side 2 is sent out according to mobile terminal client terminal, searches the shifting
The credit record of dynamic terminal, judges whether the mobile terminal is credible according to the credit record found；
Payment services network-side 2 is generated according to the believable judgement of the mobile terminal for proving that the mobile terminal can
The bill of credit file of letter, sends it to the mobile terminal client terminal 1；
The mobile terminal client terminal 1 contains the two of bill of credit fileinfo using the bill of credit file generated received
Tie up code；
When the mobile terminal client terminal 1 carries out offline electronic payment, charge end 3 is provided according to the mobile terminal client terminal
Quick Response Code containing bill of credit fileinfo carry out corresponding delivery operation.
It, will also be for verifying bill of credit file after the payment services network-side 2 generates the bill of credit file
Verification information is sent to charge end.So as to charge Quick Response Code that end 3 provides mobile terminal client terminal with the verification information into
Row recognition and parsing, complete the Quick Response Code and are verified；And after Quick Response Code is proved to be successful, charge end 3 is by generating simultaneously
Consumption data is preserved, offline Quick Response Code payment is completed.
After completing offline Quick Response Code payment, once charge end 2 is networked, then end 2 of charging passes the consumption data preserved
The payment services network-side 3 is given, so that it executes operation of withholing.
Specifically, the payment services mechanism backstage with payment function of payment services network-side 2 receives and belongs to payment
After request is opened in the Quick Response Code payment of the mobile terminal client terminal of service organization APP, mobile terminal is searched from its database
The credit record that can be currently paid usually utilizes its deposit situation of the telephone number query of the mobile terminal；If being searched
To credit record can ensure that the user of mobile terminal is effectively paid, described in payment services mechanism backstage then judges
Mobile terminal is credible；Conversely, then judging that the mobile terminal is currently not up to trusted standard.
Payment services mechanism backstage generates the public private key pair of the mobile terminal after judging that the mobile terminal is credible,
And the public key certificate label of the public key comprising the public private key pair are sent to the Quick Response Code of payment services network-side payment application system
Hair request；Quick Response Code payment application system receives after public key certificate signs and issues request, generates the public key certificate of the public key, and will give birth to
At public key certificate be sent to payment services mechanism backstage.Payment services mechanism backstage receives the Quick Response Code payment application system
It responds after the public key certificate signs and issues request and the public key certificate signed and issued, the private key of public key certificate and the public private key pair is sent out
Give the mobile terminal client terminal 1.
In addition, the public key in the public private key pair is also sent to the charge end by Quick Response Code payment application system, so as to
Its Quick Response Code generated to mobile terminal client terminal under offline situation is verified.
Mobile terminal client terminal 1 is input to Quick Response Code life by the public key certificate described in private key encryption, and by encrypted result
In growing up to be a useful person, the Quick Response Code is generated.
For mobile terminal client terminal 1 when carrying out offline Quick Response Code payment, the accepting terminal at end of charging is to mobile terminal client
The Quick Response Code that end 1 generates offline is scanned recognition and handles to obtain 2 D code information；Then charge end is used pays from Quick Response Code
Obtained 2 D code information is decrypted in the public key of application system, and judges whether the Quick Response Code has after decrypting
Public key certificate；If judging, there is Quick Response Code the public key certificate, Quick Response Code to be proved to be successful, and the Quick Response Code being proved to be successful is protected
It is stored to accepting terminal backstage.
In conclusion the major function of the Quick Response Code payment of the offline Quick Response Code transaction of the support of the present invention includes certificate label
Hair, accepting terminal back-end data are synchronous and Quick Response Code consumes flowing water Shang Song payment services mechanism backstage.
Request is opened in the payment services mechanism backstage of the present invention according to its lower APP payments Quick Response Code, is paid to Quick Response Code
Family is built in application system application, is built behind family and is opened the payment Quick Response Code function of the user.It is implemented as：1) public and private key is generated
It is right, and carry out authentication public key mandate to Quick Response Code payment application system.2) two dimension sent in Quick Response Code payment application system is received
Code consumes flowing water of withholing, and carries out operation of withholing.3) success notification of withholing is sent to its lower APP user.
The Quick Response Code payment application system of the present invention is docked with payment services mechanism backstage and accepting terminal backstage, for payment
Public key certificate is signed and issued in backstage by service organization, and the consumption sent on accepting terminal backstage data of withholing are sent to payment services mechanism
From the background.It is implemented as：1) accept payment services mechanism backstage builds family request, is returned to payment services institution business system
Build family handling result.2) Quick Response Code payment application system signs and issues the public key relevant information sent on payment services mechanism backstage, will sign
The certificate of hair returns to payment services mechanism backstage.3) receiving on accepting terminal backstage send the processed consumption for reference format to withhold
Data.4) consumption for sending under the mechanism to payment services mechanism backstage is withholdd flowing water.
The accepting terminal of the present invention refers to consuming the terminal device withholdd for Quick Response Code, can identify payment services mechanism
The Quick Response Code that APP is generated is withholdd and is withholdd data to consumption is summarized from the background.It is implemented as：1) payment services machine is identified
The Quick Response Code that structure APP is generated stores consumption data and lets pass after identifying successfully.2) consumption is sent to withhold number on accepting terminal backstage
According to.
The consumption that each equipment is summarized on the accepting terminal backstage of the present invention is withholdd data, and two are sent to after being converted into reference format
Dimension code payment application system is uniformly withholdd.It is implemented as：1) consumption sent in accepting terminal is received to withhold data.2)
By consumption withhold data processing be reference format after on give Quick Response Code pay application system.
Below in conjunction with concrete application example, the invention will be further described.
Application example one：Bus trip
1. user's operation payment services mechanism APP generates bus trip Quick Response Code, and holds bus on Quick Response Code.
2. bus accepting terminal distinguishes Quick Response Code and prompts success, can ride.
3. accepting terminal is to backstage upload accepting terminal Quick Response Code consumption information.
4. the processing of Quick Response Code consumption data is reference format by accepting terminal backstage.
5. accepting terminal backstage uploads to Quick Response Code payment application system and consumes data of withholing.
6. Quick Response Code pays application system and consumes flowing water of withholing to payment services mechanism backstage upload Quick Response Code.
7. the processing consumption of payment services mechanism is withholdd, and sends success notification of withholing to user.
Application example two：Public service is paid the fees
1. user handles public fee payment service when needing payment, operation payment services mechanism APP generates payment Quick Response Code, and
Quick Response Code is held to be paid the fees by toll collector's barcode scanning.
2. accepting terminal distinguishes Quick Response Code and prompts success, follow-up business can be handled.
3. accepting terminal is to backstage upload accepting terminal Quick Response Code consumption information.
4. the processing of Quick Response Code consumption data is reference format by accepting terminal backstage.
5. accepting terminal backstage uploads to Quick Response Code payment application system and consumes data of withholing.
6. Quick Response Code pays application system and consumes flowing water of withholing to payment services mechanism backstage upload Quick Response Code.
7. the processing consumption of payment services mechanism is withholdd, and sends success notification of withholing to user.
Application example three：Medical treatment payment
1. user, when going to charging window to pay medical expense between examining, operation payment services mechanism APP generates payment two
Code is tieed up, and holds Quick Response Code and is paid the fees by window toll collector's barcode scanning.
2. accepting terminal distinguishes Quick Response Code and prompts success, subsequent medical affairs can be carried out.
3. accepting terminal is to backstage upload accepting terminal Quick Response Code consumption information.
4. the processing of Quick Response Code consumption data is reference format by accepting terminal backstage.
5. accepting terminal backstage uploads to Quick Response Code payment application system and consumes data of withholing.
6. Quick Response Code pays application system and consumes flowing water of withholing to payment services mechanism backstage upload Quick Response Code.
7. the processing consumption of payment services mechanism is withholdd, and sends success notification of withholing to user.
In conclusion the technique effect of the present invention includes：Cell phone application passes through the public key certificate locally preserved and corresponding private
Key generates two-dimensional code data, during which need not rely on network communication function.With ink recorder structure accepting terminal according to filling the public key write in advance
Two-dimensional code data is distinguished and parsed, network communication function during which need not be relied on.QR code content is taken by public key certificate and payment
The private key double-encryption protection that the mechanism that is engaged in assigns, ensures safety.Accepting terminal after two dimension code reading successfully resolved to that can prompt
It consumes successfully, without waiting for Data Communication in Computer Networks, improves payment efficiency, extremely adapt to the payment scene of small amount high frequency.Support from
The pattern of line payment can adapt to higher to network security requirement and lead to not the trade company for connecting internet in real time.
Although describing the invention in detail above, but the invention is not restricted to this, those skilled in the art of the present technique
It can be carry out various modifications with principle according to the present invention.Therefore, all to be changed according to made by the principle of the invention, all it should be understood as
Fall into protection scope of the present invention.
Claims (10)
1. a kind of offline Quick Response Code method of payment, including：
Mobile terminal client terminal sends out Quick Response Code payment to payment services network-side and opens request；
Request is opened in the Quick Response Code payment that payment services network-side is sent out according to mobile terminal client terminal, searches the mobile terminal
Credit record, judge whether the mobile terminal credible according to the credit record found；
Payment services network-side is generated according to the believable judgement of the mobile terminal for proving the believable letter of the mobile terminal
With certificate file, the mobile terminal client terminal is sent it to；
The Quick Response Code that the mobile terminal client terminal contains bill of credit fileinfo using the bill of credit file generated received；
When the mobile terminal client terminal carries out offline electronic payment, charge end is contained according to what the mobile terminal client terminal provided
The Quick Response Code of bill of credit fileinfo carries out corresponding delivery operation.
2. offline Quick Response Code method of payment according to claim 1, further includes, described in the payment services network-side generation
After bill of credit file, charge end will be sent to for verifying the verification information of bill of credit file.
3. offline Quick Response Code method of payment according to claim 2, wherein the charge end is according to mobile terminal visitor
The Quick Response Code containing bill of credit fileinfo that family end provides carries out corresponding delivery operation：
The charge end is distinguished and is parsed by the Quick Response Code provided mobile terminal client terminal with the verification information, right
The Quick Response Code is verified；
After the Quick Response Code is proved to be successful, by the charge end by generating and preserving consumption data, Quick Response Code payment is completed；
And
The charge end sends the consumption data preserved to the payment services network-side in networking, so that it is executed
It withholds operation.
4. the offline Quick Response Code method of payment according to claim 1 and 3, wherein payment services network-side is according to mobile whole
Request is opened in the Quick Response Code payment that end client is sent out, and the credit record of the mobile terminal is searched, according to the credit found
Record judges whether the mobile terminal is credible and includes：
The payment services mechanism backstage with payment function of payment services network-side receives the shifting for belonging to payment services mechanism APP
After request is opened in the Quick Response Code payment of dynamic client terminals, the current of the mobile terminal is searched from its database and is propped up
The credit record paid；
If the credit record found can ensure that the user of mobile terminal is effectively paid, after the payment services mechanism
Platform then judges that the mobile terminal is credible；Conversely, then judging that the mobile terminal is currently not up to trusted standard.
5. offline Quick Response Code method of payment according to claim 4, wherein payment services network-side is according to described mobile whole
Believable judgement is held, generates for proving the believable bill of credit file of the mobile terminal, sends it to described mobile whole
End client include：
The payment services mechanism backstage generates the public private key pair of the mobile terminal after judging that the mobile terminal is credible,
And the public key certificate label of the public key comprising the public private key pair are sent to the Quick Response Code of payment services network-side payment application system
Hair request；
Payment services mechanism backstage receive the Quick Response Code payment application system respond the public key certificate sign and issue request and
After the public key certificate signed and issued, the private key of public key certificate and the public private key pair is sent to the mobile terminal client terminal.
6. offline Quick Response Code method of payment according to claim 5, wherein the verification for verifying bill of credit file is believed
Breath is the public key information in the public private key pair.
7. offline Quick Response Code method of payment according to claim 6, wherein the mobile terminal client terminal is by with described
Public key certificate described in private key encryption, and encrypted result is input in two-dimension code generator, generate the Quick Response Code.
8. the offline Quick Response Code method of payment according to claim 3 or 6, wherein the charge end is by with the verification
The Quick Response Code that information provides mobile terminal client terminal is distinguished and is parsed, and carrying out verification to the Quick Response Code includes：
The charge end obtains 2 D code information by being distinguished to the Quick Response Code；
The charge end is decrypted obtained 2 D code information with the public key information for paying application system from Quick Response Code
Processing；
Whether the Quick Response Code has public key certificate after the charge end judges decryption；
If judging, there is the Quick Response Code public key certificate, Quick Response Code to be proved to be successful.
9. a kind of offline Quick Response Code payment mechanism, including：
Serve as the mobile terminal client terminal of paying party；
The payment services network-side of payment credit is provided for mobile terminal client terminal；And
The charge end of the payment services network-side can be connected after the completion of payment；
Wherein, the mobile terminal client terminal, payment services network-side and charge end for performing the following operations：
Mobile terminal client terminal sends out Quick Response Code payment to payment services network-side and opens request；
Request is opened in the Quick Response Code payment that payment services network-side is sent out according to mobile terminal client terminal, searches the mobile terminal
Credit record, judge whether the mobile terminal credible according to the credit record found；
Payment services network-side is generated according to the believable judgement of the mobile terminal for proving the believable letter of the mobile terminal
With certificate file, the mobile terminal client terminal is sent it to；
The Quick Response Code that the mobile terminal client terminal contains bill of credit fileinfo using the bill of credit file generated received；
When the mobile terminal client terminal carries out offline electronic payment, what the charge end was provided according to the mobile terminal client terminal
Quick Response Code containing bill of credit fileinfo carries out corresponding delivery operation.
10. offline Quick Response Code payment mechanism according to claim 9, wherein described in the payment services network-side generates
After bill of credit file, charge end will be sent to for verifying the verification information of bill of credit file；And the charge end is logical
It crosses the Quick Response Code that mobile terminal client terminal is provided with the verification information to be distinguished and parsed, the Quick Response Code is tested
Card.
Applications Claiming Priority (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2017110532431 | 2017-11-01 | ||
| CN201711053243 | 2017-11-01 |
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| Publication Number | Publication Date |
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| CN108460593A true CN108460593A (en) | 2018-08-28 |
| CN108460593B CN108460593B (en) | 2022-09-20 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201810263358.1A Active CN108460593B (en) | 2017-11-01 | 2018-03-28 | Offline two-dimensional code payment method and device |
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| CN (1) | CN108460593B (en) |
Cited By (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN109523254A (en) * | 2018-11-29 | 2019-03-26 | 湖北云雷文化传播有限公司 | It is a kind of that a variety of methods of payment of double offline barcode scannings are passed through based on cell phone application |
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