CN109523254B - Multiple payment methods based on mobile phone APP through double offline code scanning - Google Patents
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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
- G06Q20/3274—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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- 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
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
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Abstract
The invention relates to the technical field of two-dimensional code formulation, in particular to a mobile phone APP-based multiple payment method by double off-line code scanning, which comprises the following steps of S1: the user opens and logs in a mobile phone travel one-code-through APP program to formulate a two-dimensional code data structure of the travel one-code-through; s2: an RSA algorithm is selected to carry out signature verification on the two-dimensional code certificate and the interface data; s3: a two-dimensional code generation mode; s4: checking the SDK by the two-dimensional code; s5: the operation company obtains the password-free fee permission through signing in a password-free protocol with a third party payment platform or an online banking, and a user needs to authorize the password-free payment when using the trip one-code APP for the first time, and then the function of automatic payment by using the code scanning can be used; s6: and uploading the consumption orders in batches by the code scanning machine background, realizing quasi-real-time deduction, and displaying successful payment through a mobile phone. The invention realizes multiple payment modes and is more convenient for users to use.
Description
Technical Field
The invention relates to the technical field of two-dimensional code formulation, in particular to a plurality of payment methods based on mobile phone APP through double off-line code scanning.
Background
With the development of the age, public transportation facilities of many cities are more and more perfect, and subways, buses and buses are visible everywhere. These travel modes are convenient and practical, but because of small transaction amount and high frequency, a lot of trouble is caused for paying parties and charging parties. Often passengers fail to ride because they forget to take cash or do not have small amounts of cash; however, the operation company often receives counterfeit money and damaged money, and the clearing and settlement are difficult due to too much small amount of cash.
The problem is well solved by taking the existing flight code as an example, passengers can use the flight code to sweep the code to get on the car (after the WeChat can automatically deduct fees) even if the mobile phone is off-line, the operation company can reduce the payment modes of cash collection and card swiping, the amount paid by the code sweeping mode can be directly transferred to the WeChat merchant number of the company, and the transaction record and clearing settlement can be automatically generated. This greatly improves the payment mode of the public travel. However, the existing flight code service cannot cover all cities due to the large demand of the code, and the payment mode is single (only support WeChat payment), so that the use of a plurality of passengers is limited.
Disclosure of Invention
The invention aims to solve the defect of single payment in the prior art, and provides a plurality of payment methods based on mobile phone APP through double off-line code scanning.
In order to achieve the above purpose, the present invention adopts the following technical scheme:
a multiple payment method based on mobile phone APP through double off-line code scanning is designed, which comprises the following steps:
s1: the user opens and logs in a mobile phone travel one-code-through APP program to formulate a two-dimensional code data structure of the travel one-code-through, wherein the two-dimensional code data structure comprises necessary industry information, user information and anti-fake signature, a travel one-code-through background and a cooperation mechanism background are bound by two users, then partner data is returned, and the mobile phone travel one-code-through APP pulls a card certificate from the travel one-code-through background;
s2: signature verification is carried out on the two-dimensional code certificate and interface data by adopting an RSA algorithm, legal verification is carried out on the two-dimensional code character string and the transaction character string by adopting a custom MAC algorithm, and the RSA and MAC secret keys are issued in an interface form to ensure that a code scanning machine tool is unified with a code passing background secret key;
s3: two-dimensional code generation mode: after a user logs in a mobile phone APP and authorizes the mobile phone APP, the travel one-code background splices basic information of the user and industry information into a character string in a specific mode, RSA signature is carried out on the character string, then the character string and the signature are spliced to generate a two-dimensional code certificate and transmitted to the front end of the travel one-code, the front end splices the certificate and dynamic data, calculates an MAC value, and finally the certificate, the dynamic data and the MAC value are spliced to form a two-dimensional code character string for offline generation of a travel two-dimensional code;
s4: two-dimensional code checking SDK: the special SDK developed by the C language and used for analyzing the travel one-code riding code can be called by a code scanning machine tool, two-dimensional code elements are obtained, the validity and the effectiveness of the two-dimensional code are verified, and a code scanning record is generated;
s5: the operation company obtains the password-free fee permission through signing in a password-free protocol with a third party payment platform or an online banking, and a user needs to authorize the password-free payment when using the trip one-code APP for the first time, and then the function of automatic payment by using the code scanning can be used;
s6: the code scanning machine background uploads the consumption orders to the cooperation mechanism background in batches, the cooperation mechanism background uploads the orders to the travel one-code through background in real time, the travel one-code through background analyzes mass order data in quasi-real time through a distributed task, realizes quasi-real-time deduction, and shows that payment is successful through a mobile phone.
The invention also provides the specific steps of the MAC algorithm as follows:
a1: taking 8 16-ary numbers 00,00,00,00,00,00,00,00 as initial values, the data to be calculated for the MAC are divided into data blocks with 8 bytes as units, and the reference numbers are D1 and D2 … … Dn. The last data block Dn may be 1-8 bytes;
a2: if the last data block length is 8, 16 decimal numbers 08, 08, 08, 08, 08, 08, 08, 08 are added; if the last data block length is equal to 7, adding a 16-ary number 07; if the last data block length is equal to 6, adding a 16-ary number 06, 06; and so on: if the last data block is n (n < 8), then 8-n 16 digits 0n are added, with 8 bytes appended.
Preferably, the trip one-code background in S3 will periodically issue and store a blacklist for taking a car.
Preferably, in S4, it is necessary to check whether the user is in the blacklist while verifying the two-dimensional code, and if the user is not in the blacklist, prompt the user to allow riding, and save the uploading transaction record.
Preferably, in S5, the third party payment platform or online banking includes payment treasured payment, weChat payment, online banking payment of each bank and credit card payment, so that multiple payment modes are realized, the user can select a payment type suitable for the user to carry out code scanning payment, and the platform supports credit payment, so that even if a small amount of arrears are provided for passengers, normal use is not affected.
Preferably, in S6, after the deduction is successful, the trip one-code background notifies the user of the successful deduction through a short message, and the deduction amount, the deduction time and the deduction item are displayed.
The invention provides a plurality of payment methods based on mobile phone APP through double off-line code scanning, which has the beneficial effects that: the travel one-code mobile phone APP program realizes the self-made riding code scanning code, then a third party payment platform or an online bank (such as a payment bank, weChat, line calling, line building and the like) is used for performing the function of secret-free payment, a passenger can select a payment type suitable for the passenger to perform code scanning payment, the platform supports credit payment, even if the passenger has a small amount of arrears, normal use cannot be influenced, the riding code can be generated after the passenger passes through, the vehicle can get on after the machine scanning code passes through, then a background can make quasi-real-time fee deduction for the order, and fee deduction information is pushed to a mobile phone end for prompting.
Drawings
FIG. 1 is a flow chart diagram of a plurality of payment methods by double off-line code scanning based on a mobile phone APP;
fig. 2 is a flow chart of a MAC algorithm according to the present invention.
Detailed Description
The following description of the embodiments of the present invention will be made clearly and completely with reference to the accompanying drawings, in which it is apparent that the embodiments described are only some embodiments of the present invention, but not all embodiments.
Referring to fig. 1-2, a multiple payment method based on mobile phone APP through dual offline code scanning includes the following steps:
s1: the user opens and logs in a mobile phone travel one-code-through APP program to formulate a two-dimensional code data structure of the travel one-code-through, wherein the two-dimensional code data structure comprises necessary industry information, user information and anti-fake signature, a travel one-code-through background and a cooperation mechanism background are bound by two users, then partner data is returned, and the mobile phone travel one-code-through APP pulls a card certificate from the travel one-code-through background;
s2: signature verification is carried out on the two-dimensional code certificate and interface data by adopting an RSA algorithm, legal verification is carried out on the two-dimensional code character string and the transaction character string by adopting a custom MAC algorithm, and the RSA and MAC secret keys are issued in an interface form to ensure that a code scanning machine tool is unified with a code passing background secret key;
s3: two-dimensional code generation mode: after a user logs in a mobile phone APP and authorizes the mobile phone APP, the travel one-code background splices basic information of the user and industry information into a character string in a specific mode, RSA signature is carried out on the character string, then the character string and the signature are spliced to generate a two-dimensional code certificate and transmitted to the front end of the travel one-code, the front end splices the certificate and dynamic data, calculates an MAC value, and finally the certificate, the dynamic data and the MAC value are spliced to form a two-dimensional code character string for offline generation of a travel two-dimensional code;
s4: two-dimensional code checking SDK: the special SDK developed by the C language and used for analyzing the travel one-code riding code can be called by a code scanning machine tool, two-dimensional code elements are obtained, the validity and the effectiveness of the two-dimensional code are verified, and a code scanning record is generated;
s5: the operation company obtains the password-free fee permission through signing in a password-free protocol with a third party payment platform or an online banking, and a user needs to authorize the password-free payment when using the trip one-code APP for the first time, and then the function of automatic payment by using the code scanning can be used;
s6: the code scanning machine background uploads the consumption orders to the cooperation mechanism background in batches, the cooperation mechanism background uploads the orders to the travel one-code through background in real time, the travel one-code through background analyzes mass order data in quasi-real time through a distributed task, realizes quasi-real-time deduction, and shows that payment is successful through a mobile phone.
The invention also provides the specific steps of the MAC algorithm as follows:
a1: taking 8 16-ary numbers 00,00,00,00,00,00,00,00 as initial values, the data to be calculated for the MAC are divided into data blocks with 8 bytes as units, and the reference numbers are D1 and D2 … … Dn. The last data block Dn may be 1-8 bytes;
a2: if the last data block length is 8, 16 decimal numbers 08, 08, 08, 08, 08, 08, 08, 08 are added; if the last data block length is equal to 7, adding a 16-ary number 07; if the last data block length is equal to 6, adding a 16-ary number 06, 06; and so on: if the last data block is n (n < 8), then 8-n 16 digits 0n are added, with 8 bytes appended.
And (3) the travel one-code background in the S3 can periodically issue and store a riding blacklist.
In S4, it is necessary to check whether the user is in the blacklist while verifying the two-dimensional code, and if the user is not in the blacklist, prompt the user to allow riding, and save the uploading transaction record.
In S5, the third party payment platform or the online banking comprises payment treasured payment, weChat payment, online banking payment of each bank and credit card payment, so that various payment modes are realized, a user can select a payment type suitable for the user to conduct code scanning payment, the platform supports credit payment, and even if a passenger has a small amount of arrears, normal use cannot be influenced.
In S6, after the deduction is successful, the one-code-through background of the trip informs the user of the successful deduction through a short message, and the deduction amount, the deduction time and the deduction item are displayed.
The foregoing is only a preferred embodiment of the present invention, but the scope of the present invention is not limited thereto, and any person skilled in the art, who is within the scope of the present invention, should make equivalent substitutions or modifications according to the technical scheme of the present invention and the inventive concept thereof, and should be covered by the scope of the present invention.
Claims (5)
1. A multiple payment method based on mobile phone APP through double off-line code scanning is characterized by comprising the following steps:
s1: the user opens and logs in a mobile phone travel one-code-through APP program to formulate a two-dimensional code data structure of the travel one-code-through, wherein the two-dimensional code data structure comprises necessary industry information, user information and anti-fake signature, a travel one-code-through background and a cooperation mechanism background are bound by two users, then partner data is returned, and the mobile phone travel one-code-through APP pulls a card certificate from the travel one-code-through background;
s2: the RSA algorithm is selected to carry out signature verification on the two-dimensional code certificate and interface data, the custom MAC algorithm carries out legal verification on the two-dimensional code character string and the transaction character string, the RSA and the MAC secret key are issued in an interface mode to ensure that the code scanning machine tool is unified with a code passing background secret key, and the specific steps of the MAC algorithm are as follows:
a1: taking 8 16-system numbers 00,00,00,00,00,00,00,00 as initial values, dividing data needing to calculate MAC into data blocks with 8 bytes as units, and marking the data blocks as D1 and D2 … … Dn; the last data block Dn may be 1-8 bytes;
a2: if the last data block length is 8, 16 decimal numbers 08, 08, 08, 08, 08, 08, 08, 08 are added; if the last data block length is equal to 7, adding a 16-ary number 07; if the last data block length is equal to 6, adding a 16-ary number 06, 06; and so on: if the last data block is n (n < 8), adding 8-n 16 system numbers 0n, and filling 8 bytes;
s3: two-dimensional code generation mode: after a user logs in a mobile phone APP and authorizes the mobile phone APP, the travel one-code background splices basic information of the user and industry information into a character string in a specific mode, RSA signature is carried out on the character string, then the character string and the signature are spliced to generate a two-dimensional code certificate and transmitted to the front end of the travel one-code, the front end splices the certificate and dynamic data, calculates an MAC value, and finally the certificate, the dynamic data and the MAC value are spliced to form a two-dimensional code character string for offline generation of a travel two-dimensional code;
s4: two-dimensional code checking SDK: the special SDK developed by the C language and used for analyzing the travel one-code riding code can be called by a code scanning machine tool, two-dimensional code elements are obtained, the validity and the effectiveness of the two-dimensional code are verified, and a code scanning record is generated;
s5: the operation company obtains the password-free fee permission through signing in a password-free protocol with a third party payment platform or an online banking, and a user needs to authorize the password-free payment when using the trip one-code APP for the first time, and then the function of automatic payment by using the code scanning can be used;
s6: the code scanning machine background uploads the consumption orders to the cooperation mechanism background in batches, the cooperation mechanism background uploads the orders to the travel one-code through background in real time, the travel one-code through background analyzes mass order data in quasi-real time through a distributed task, realizes quasi-real-time deduction, and shows that payment is successful through a mobile phone.
2. The multiple payment methods based on mobile phone APP through double off-line code scanning according to claim 1, wherein the travel one-code background in S3 can periodically issue and store a riding blacklist.
3. The method for multiple payment based on mobile phone APP through double off-line code scanning according to claim 1, wherein in S4, checking whether the user exists in a blacklist or not is needed while two-dimensional codes are verified, if the user does not exist in the blacklist, prompting the user to allow riding, and storing uploading transaction records.
4. The multiple payment methods based on mobile phone APP through double off-line code scanning according to claim 1, wherein in S5, the third party payment platform or online bank comprises payment bank payment, weChat payment, online bank payment of each bank and credit card payment, multiple payment modes are realized, a user can select a payment type suitable for the user to carry out code scanning payment, the platform supports credit payment, and even if a small amount of arrears are provided for passengers, normal use is not affected.
5. The method for multiple payment based on mobile phone APP through double off-line code scanning according to claim 1, wherein in S6, after the payment is successful, the user is informed of the successful payment through a short message by a code-through background in the trip, and the payment amount, payment time and payment item are displayed.
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| CN111242628B (en) * | 2019-04-03 | 2021-01-05 | 重庆业如数科科技有限公司 | Secret-free payment verification system |
| CN110795769B (en) * | 2019-05-24 | 2021-09-10 | 北京计算机技术及应用研究所 | Anti-counterfeiting method for check-in data of face recognition check-in system |
| CN110335036B (en) * | 2019-06-03 | 2020-11-06 | 创新先进技术有限公司 | Processing and generating method and device of off-line graphic code |
| CN110827018A (en) * | 2019-10-11 | 2020-02-21 | 北京如易行科技有限公司 | Method for two-dimensional code intercommunication use between public traffic APP clients |
| CN111027979B (en) * | 2019-12-11 | 2021-06-29 | 支付宝(杭州)信息技术有限公司 | Method and device for opening, collecting and settling double off-line payment |
| CN111292456A (en) * | 2019-12-13 | 2020-06-16 | 无锡市民卡有限公司 | Two-dimensional code verification and sale method |
| CN111242594B (en) * | 2020-01-13 | 2021-11-16 | 支付宝实验室(新加坡)有限公司 | Cross-region offline payment registration and payment method and device |
| CN111340969B (en) * | 2020-03-03 | 2021-01-05 | 广州优路加信息科技有限公司 | Non-card ETC offline processing method and device, computer equipment and storage medium |
| CN111353781B (en) * | 2020-03-12 | 2023-04-07 | 网银在线（北京）科技有限公司 | Transaction data processing method and system |
| CN113643084A (en) * | 2020-04-27 | 2021-11-12 | 无锡京阳智能科技中心 | One-object one-code and one-code multi-purpose cloud code operation system |
| CN111967556B (en) * | 2020-08-11 | 2022-09-16 | 福建博思数字科技有限公司 | Two-dimensional code offline generation method and storage medium |
| CN111833047A (en) * | 2020-08-19 | 2020-10-27 | 深圳市富之富信息科技有限公司 | Payment code generation method and device based on mobile payment and computer equipment |
| CN111768185A (en) * | 2020-09-01 | 2020-10-13 | 腾讯科技（深圳）有限公司 | Transaction data processing method, related device and storage medium |
| CN112785305A (en) * | 2021-01-22 | 2021-05-11 | 新开普电子股份有限公司 | Collection terminal, double off-line transaction method and system |
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| CN106875179B (en) * | 2017-02-03 | 2020-12-08 | 杭州小步科技有限公司 | Offline two-dimensional code payment method and system thereof |
| CN106934608B (en) * | 2017-03-13 | 2021-04-16 | 张福生 | Multi-state two-dimensional code synthesis and user signless and signless trading method |
| CN108460593B (en) * | 2017-11-01 | 2022-09-20 | 福建博思软件股份有限公司 | Offline two-dimensional code payment method and device |
| CN108234517A (en) * | 2018-01-29 | 2018-06-29 | 成都智元汇信息技术股份有限公司 | A kind of subway based on offline Quick Response Code ticket card is ridden off-line processing system and method |
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