CN109493023A - Mobile payment settle accounts calculation method based on anti-tamper Encryption Algorithm - Google Patents
Mobile payment settle accounts calculation method based on anti-tamper Encryption Algorithm Download PDFInfo
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- CN109493023A CN109493023A CN201811208222.7A CN201811208222A CN109493023A CN 109493023 A CN109493023 A CN 109493023A CN 201811208222 A CN201811208222 A CN 201811208222A CN 109493023 A CN109493023 A CN 109493023A
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- Prior art keywords
- payment
- encryption
- data
- mobile
- settle accounts
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Classifications
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
- G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
-
- 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
- G06Q20/3823—Payment protocols; Details thereof insuring higher security of transaction combining multiple encryption tools for a transaction
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
Abstract
The invention belongs to mobile payment fields, it is based especially on the mobile payment settle accounts calculation method of anti-tamper Encryption Algorithm, when for existing existing mobile payment settle accounts calculation, other people, which are easy to distort payment amount, pays, security risk is brought to the payment settle accounts calculation of user, now propose following solution, including the mobile payment settle accounts calculation method based on anti-tamper Encryption Algorithm, the following steps are included: S1, pass through mobile scanning terminal beneficiary information acquisition beneficiary account, original payment amount is inputted by mobile terminal, obtain original payment amount data, original payment amount data are carried out encryption for the first time according to cipher mode one and obtain first time encryption data by mobile terminal, and form scrambled record data one.For the present invention when carrying out mobile payment settle accounts calculation, it is not actual delivery volume that payment amount, which obtains encryption, and received Third-party payment platform is encryption data, other people can not be paid by distorting amount paid, and payment settle accounts calculation is highly-safe.
Description
Technical field
The present invention relates to mobile payment technical fields, more particularly to the mobile payment based on anti-tamper Encryption Algorithm is settled accounts
Calculation method.
Background technique
Mobile payment is also referred to as mobile-phone payment, exactly allows user using its mobile terminal (usually mobile phone) to being disappeared
The commodity or service that take carry out a kind of method of service of account payment.Unit or individual pass through mobile device, internet or close
Distance-sensing directly or indirectly sends payment instruction to bank finance mechanism and generates currency payment and fund displacement behavior, thus
Realize mobile payment function.Mobile payment blends terminal device, internet, application provider and financial institution, is
User provides the financial business such as currency payment, payment.Mobile payment is broadly divided near field payment and two kinds of remote payment, so-called
Near field payment, exactly with the mode of mobile phone card-brushing by bus, do shopping, it is very convenient.Remote payment refers to: being paid by sending
The payer for instructing (such as Internetbank, telephone bank, mobile-phone payment) or being carried out by the means of payment (as by mailing, remittance)
Formula is supplemented with money, video etc. belongs to remote payment in the palm as paid electric business in the palm released in the palm in the palm.Using mobile payment at present
When carrying out settle accounts calculation, there are problems that other people distort payment amount and pay, so that the payment settle accounts calculation of user brings peace
Full hidden danger influences the property safety of disburser.
Summary of the invention
Mobile payment settle accounts calculation method proposed by the present invention based on anti-tamper Encryption Algorithm solves existing mobile branch
When paying off clearing, other people, which are easy to distort payment amount, is paid, and brings security risk, shadow to the payment settle accounts calculation of user
The problem of ringing the property safety of disburser.
To achieve the goals above, present invention employs following technical solutions:
Mobile payment settle accounts calculation method based on anti-tamper Encryption Algorithm, comprising the following steps:
S1 inputs original payment by mobile terminal by mobile scanning terminal beneficiary information acquisition beneficiary account
The amount of money, obtains original payment amount data, and mobile terminal carries out original payment amount data for the first time according to cipher mode one
Encryption obtains first time encryption data, and forms scrambled record data one；
First time encryption data is carried out second of encryption according to cipher mode two and obtains second of encryption data by S2, and
Form scrambled record data two；
S3 inputs payment cipher to mobile terminal, and correctly then mobile terminal sends second of encryption data to payment cipher
To Third-party payment platform, payment cipher is incorrect, re-enters；
S4, Third-party payment platform receive second of encryption data, and by second encryption data and scrambled record data
Two are compared, and compare successfully, then are decrypted according to manner of decryption one and obtain first time ciphertext data；
S5, Third-party payment platform compare first time ciphertext data and scrambled record data one into shape, compare successfully then
Acquisition decryption payment amount is decrypted according to manner of decryption two；
S6, Third-party payment platform are compared payment amount is decrypted with original payment amount, compare successfully, then and the
Tripartite's payment platform issues money order to the e-bank of disburser；
S7, e-bank receive money order and remittance are transferred to Third-party payment platform, and e-bank generates remittance note
Record, Third-party payment platform receive remittance, generate and receive record；
S8, Third-party payment platform to mobile terminal send random verification code, mobile terminal receive random verification code and
It sets and inputs comparison code in time domain；
S9, Third-party payment platform obtains comparison code, and comparison code is compared with random verification code,
It compares successfully, then remittance is squeezed into beneficiary account by Third-party payment platform, and comparison is unsuccessful, then without payment.
Preferably, in the step S1 cipher mode one the following steps are included:
Original payment amount data are converted to corresponding quinary digit character sequence by S01；
Two transpositions of head and the tail of S02, the quinary digit character sequence being converted into obtain encryption quinary digit character
Sequence obtains first time encryption data.
Preferably, in the step S2 cipher mode two the following steps are included:
S21, will encrypt the bits per inch word of quinary digit character sequence according to 0 corresponding B, 1 corresponding C, 2 corresponding D, 3 corresponding E,
4 corresponding F are converted to letter, obtain encryption alphabetical sequence；
First letter for encrypting alphabetical sequence and second are obtained second of encryption number for alphabetical reversing of position by S22
According to.
Preferably, in the step S4 manner of decryption one the following steps are included:
S41, by first letter and second letter reversing of position acquisition decryption lexicographic ordering in second of encryption data
Column；
S42, will each letter be corresponding 0 according to B in decryption alphabetical sequence, C is corresponding 1, D is corresponding 2, E is corresponding 3, F is 4 turns corresponding
Chemical conversion number, obtains first time ciphertext data.
Preferably, in the step S5 manner of decryption two the following steps are included:
S51, by after the first digit of first time ciphertext data and the last one digital reversing of position by the number after exchange
Word is Sequence Transformed at ten's digit, obtains decryption payment amount.
Preferably, time domain is set in the step S8 as two minutes, random verification code is six bit digitals.
Preferably, further comprising the steps of after the step S9:
S10 is paid successfully, and Third-party payment platform issues payment success receipt list to disburser, and payment is unsuccessful, the
Remittance is returned to the bank account of disburser by tripartite's payment platform, and payment failure information is sent to disburser.
Compared with prior art, the beneficial effects of the present invention are: user is after inputting original payment amount, original branch
It pays the amount of money to encrypt by cipher mode one and cipher mode two, original payment amount data are encrypted be converted into be added for the second time
Ciphertext data, for user after input payment cipher success, received Third-party payment platform is second of the encryption data encrypted
Rather than original amount data, other people can not distort amount paid, even if distorting, Third-party payment platform also nonrecognition cannot
Enough paid, Third-party payment using designed manner of decryption one and manner of decryption two by second of encryption data into
Decryption payment amount is just obtained after row decryption, and decryption payment amount is compared with original payment amount, is compared successfully
Afterwards, it also to send identifying code to be verified whether as user, both of which success just can be carried out payment, this allows for Zhi Fuqing
The safety of clearing is higher, and the property of people has obtained better protection, effectively other people can be avoided to distort payment amount
It is paid.
Specific embodiment
The following is a clear and complete description of the technical scheme in the embodiments of the invention, it is clear that described implementation
Example is only a part of the embodiment of the present invention, instead of all the embodiments
Mobile payment settle accounts calculation method based on anti-tamper Encryption Algorithm, comprising the following steps:
S1 inputs original payment by mobile terminal by mobile scanning terminal beneficiary information acquisition beneficiary account
The amount of money, obtains original payment amount data, and mobile terminal carries out original payment amount data for the first time according to cipher mode one
Encryption obtains first time encryption data, and forms scrambled record data one；
First time encryption data is carried out second of encryption according to cipher mode two and obtains second of encryption data by S2, and
Form scrambled record data two；
S3 inputs payment cipher to mobile terminal, and correctly then mobile terminal sends second of encryption data to payment cipher
To Third-party payment platform, payment cipher is incorrect, re-enters；
S4, Third-party payment platform receive second of encryption data, and by second encryption data and scrambled record data
Two are compared, and compare successfully, then are decrypted according to manner of decryption one and obtain first time ciphertext data；
S5, Third-party payment platform compare first time ciphertext data and scrambled record data one into shape, compare successfully then
Acquisition decryption payment amount is decrypted according to manner of decryption two；
S6, Third-party payment platform are compared payment amount is decrypted with original payment amount, compare successfully, then and the
Tripartite's payment platform issues money order to the e-bank of disburser；
S7, e-bank receive money order and remittance are transferred to Third-party payment platform, and e-bank generates remittance note
Record, Third-party payment platform receive remittance, generate and receive record；
S8, Third-party payment platform to mobile terminal send random verification code, mobile terminal receive random verification code and
It sets and inputs comparison code in time domain；
S9, Third-party payment platform obtains comparison code, and comparison code is compared with random verification code,
It compares successfully, then remittance is squeezed into beneficiary account by Third-party payment platform, and comparison is unsuccessful, then without payment.
Cipher mode one in step S1 the following steps are included:
Original payment amount data are converted to corresponding quinary digit character sequence by S01；
Two transpositions of head and the tail of S02, the quinary digit character sequence being converted into obtain encryption quinary digit character
Sequence obtains first time encryption data.
Cipher mode two in step S2 the following steps are included:
S21, will encrypt the bits per inch word of quinary digit character sequence according to 0 corresponding B, 1 corresponding C, 2 corresponding D, 3 corresponding E,
4 corresponding F are converted to letter, obtain encryption alphabetical sequence；
First letter for encrypting alphabetical sequence and second are obtained second of encryption number for alphabetical reversing of position by S22
According to.
Manner of decryption one in step S4 the following steps are included:
S41, by first letter and second letter reversing of position acquisition decryption lexicographic ordering in second of encryption data
Column；
S42, will each letter be corresponding 0 according to B in decryption alphabetical sequence, C is corresponding 1, D is corresponding 2, E is corresponding 3, F is 4 turns corresponding
Chemical conversion number, obtains first time ciphertext data.
Manner of decryption two in step S5 the following steps are included:
S51, by after the first digit of first time ciphertext data and the last one digital reversing of position by the number after exchange
Word is Sequence Transformed at ten's digit, obtains decryption payment amount.
Time domain is set in step S8 as two minutes, random verification code is six bit digitals.
It is further comprising the steps of after step S9:
S10 is paid successfully, and Third-party payment platform issues payment success receipt list to disburser, and payment is unsuccessful, the
Remittance is returned to the bank account of disburser by tripartite's payment platform, and payment failure information is sent to disburser.
In the present invention, for user after inputting original payment amount, original payment amount passes through cipher mode one and encryption
Mode two encrypts, and original payment amount data are encrypted be converted into second of encryption data, and user is in input payment cipher
After success, received Third-party payment platform is second of the encryption data encrypted rather than original amount data, other people can not
Amount paid is distorted, nonrecognition distorting Third-party payment platform can not be paid, and used and set in Third-party payment
The manner of decryption one and manner of decryption 2 counted just obtain decryption payment amount after second of encryption data is decrypted, and
Decryption payment amount is compared with original payment amount, after comparing successfully, also to send identifying code verified whether for
User, both of which success just can be carried out payment, and the safety that this allows for payment settle accounts calculation is higher, and the property of people obtains
Better protection has been arrived, can effectively avoid other people from distorting payment amount and pay.
The foregoing is only a preferred embodiment of the present invention, but protection scope of the present invention be not limited to
This, anyone skilled in the art in the technical scope disclosed by the present invention, according to the technique and scheme of the present invention
And its inventive concept is subject to equivalent substitution or change, should be covered by the protection scope of the present invention.
Claims (7)
1. the mobile payment settle accounts calculation method based on anti-tamper Encryption Algorithm, which comprises the following steps:
S1 inputs original payment amount by mobile terminal by mobile scanning terminal beneficiary information acquisition beneficiary account,
Original payment amount data are obtained, original payment amount data are carried out encryption for the first time according to cipher mode one and obtained by mobile terminal
First time encryption data is obtained, and forms scrambled record data one；
First time encryption data is carried out second of encryption according to cipher mode two and obtains second of encryption data, and formed by S2
Scrambled record data two；
S3 inputs payment cipher to mobile terminal, and correctly then second of encryption data is sent to the to payment cipher by mobile terminal
Tripartite's payment platform, payment cipher is incorrect, re-enters；
S4, Third-party payment platform receive second of encryption data, and by second encryption data and scrambled record data two into
Row compares, and compares successfully, then is decrypted according to manner of decryption one and obtains first time ciphertext data；
S5, Third-party payment platform compare first time ciphertext data and scrambled record data one into shape, compare successfully then according to
Acquisition decryption payment amount is decrypted in manner of decryption two；
S6, Third-party payment platform will be decrypted payment amount and be compared with original payment amount, compare successfully, then third party's branch
It pays platform and issues money order to the e-bank of disburser；
S7, e-bank receive money order and remittance are transferred to Third-party payment platform, and e-bank generates money transfer records, the
Tripartite's payment platform receives remittance, generates and receives record；
S8, Third-party payment platform send random verification code to mobile terminal, and mobile terminal receives random verification code and setting
Comparison code is inputted in time domain；
S9, Third-party payment platform obtain comparison code, and comparison code are compared with random verification code, comparison at
Function, then remittance is squeezed into beneficiary account by Third-party payment platform, and comparison is unsuccessful, then without payment.
2. the mobile payment settle accounts calculation method according to claim 1 based on anti-tamper Encryption Algorithm, which is characterized in that institute
State cipher mode one in step S1 the following steps are included:
Original payment amount data are converted to corresponding quinary digit character sequence by S01；
Two transpositions of head and the tail of S02, the quinary digit character sequence being converted into obtain encryption quinary digit character sequence,
Obtain first time encryption data.
3. the mobile payment settle accounts calculation method according to claim 2 based on anti-tamper Encryption Algorithm, which is characterized in that institute
State cipher mode two in step S2 the following steps are included:
S21 corresponds to the bits per inch word of encryption quinary digit character sequence according to 0 corresponding B, 1 corresponding C, 2 corresponding D, 3 corresponding E, 4
F is converted to letter, obtains encryption alphabetical sequence；
First letter for encrypting alphabetical sequence and second are obtained second of encryption data for alphabetical reversing of position by S22.
4. the mobile payment settle accounts calculation method according to claim 1 based on anti-tamper Encryption Algorithm, which is characterized in that institute
State manner of decryption one in step S4 the following steps are included:
S41, by first letter and second letter reversing of position acquisition decryption alphabetical sequence in second of encryption data；
S42, will each letter be corresponding 0 according to B in decryption alphabetical sequence, C is corresponding 1, D is corresponding 2, E is corresponding 3, F corresponding 4 is converted to
Number obtains first time ciphertext data.
5. the mobile payment settle accounts calculation method according to claim 4 based on anti-tamper Encryption Algorithm, which is characterized in that institute
State manner of decryption two in step S5 the following steps are included:
S51, by after the first digit of first time ciphertext data and the last one digital reversing of position by the digital sequence after exchange
Column are converted to ten's digit, obtain decryption payment amount.
6. the mobile payment settle accounts calculation method according to claim 1 based on anti-tamper Encryption Algorithm, which is characterized in that institute
It states and sets time domain in step S8 as two minutes, random verification code is six bit digitals.
7. the mobile payment settle accounts calculation method according to claim 4 based on anti-tamper Encryption Algorithm, which is characterized in that institute
It states further comprising the steps of after step S9:
S10 is paid successfully, and Third-party payment platform issues payment success receipt list to disburser, pays unsuccessful, third party's branch
The bank account that remittance is returned to disburser by platform is paid, payment failure information is sent to disburser.
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| CN201811208222.7A CN109493023B (en) | 2018-10-17 | 2018-10-17 | Mobile payment settlement method based on tamper-proof encryption algorithm |
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| CN113051542A (en) * | 2019-12-26 | 2021-06-29 | 华为技术有限公司 | Two-dimensional code processing method and equipment |
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Also Published As
| Publication number | Publication date |
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| CN109493023B (en) | 2022-01-25 |
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