CN111861492A - Offline payment method and system - Google Patents
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- 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
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- 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
- G06Q20/3276—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
- G06Q20/32—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
- G06Q20/3278—RFID or NFC payments by means of M-devices
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- 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
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Abstract
The invention discloses an off-line payment method and a system, wherein the off-line payment method comprises the following steps: the offline payment method comprises the following steps: the payment equipment generates and displays a first verification graph containing first random information, transaction information and verification information; the payment equipment receives a second verification graph from the collection equipment and verifies the information contained in the second verification graph based on the first random information in the first verification graph; the payment equipment generates and displays a third verification graph containing second random information; the payment device receives the fourth verification graph from the collection device, verifies the information contained in the fourth verification graph based on the second random information in the third verification graph, and obtains the feedback information of successful payment. The whole off-line transaction process is only visible to both transaction parties, so that the problem of financial risk existing based on a service center is avoided, the security of transaction data is ensured, and the convenience of payment operation is improved.
Description
Technical Field
The invention relates to the technical field of electronic payment, in particular to an off-line payment method and system.
Background
The existing electronic wallet is mainly realized in the following two ways in the payment process:
(1) at least one party which is dependent on the mobile phone transaction has a network connection state, and the transaction cannot be completed when no network exists (namely, both parties are in an offline state); the payment mode takes the service center as an intermediary, transaction identification is completed through the two-dimension code of one party, and the transaction is completed in the service center; however, the payment method has the following problems: the service center has a certain financial risk and needs to rely on network data transmission to conduct transactions, and has a certain network security threat or limitation of transaction scenarios, for example, scenarios of conducting transactions with electronic money similar to cash transaction mode.
(2) Adding an NFC (near field communication) component in the terminal equipment, enabling the terminal equipment and the bank card to be equivalent, and storing key data into an NFC storage area; however, the NFC component is not a standard device of the terminal device due to the manufacturing cost of the NFC component itself, and thus has a problem of no universality.
Disclosure of Invention
The invention aims to overcome the defects that a certain financial risk exists in the payment mode depending on a network or the realization based on an NFC component does not have universality and the like in the prior art, and provides an offline payment method and system.
The invention solves the technical problems through the following technical scheme:
the invention provides an off-line payment method, which comprises the following steps:
the payment equipment generates and displays a first verification graph containing first random information, transaction information and verification information;
wherein the transaction information comprises payment equipment information and payment amount information;
the payment device receives a second verification graph from a collection device and verifies the information contained in the second verification graph based on the first random information in the first verification graph;
after the verification is successful, the payment equipment generates and displays a third verification graph containing second random information;
the payment device receives a fourth verification graph from the collection device and verifies the information contained in the fourth verification graph based on the second random information in the third verification graph;
and after the verification is successful, the payment equipment acquires feedback information of successful payment.
Preferably, the step of verifying the information contained in the second verification pattern based on the first random information in the first verification pattern comprises:
and judging whether the second verification pattern contains data information corresponding to the first random information in the first verification pattern, and/or whether the data information contained in the second verification pattern can be correctly analyzed by adopting the first random information, and if so, determining that the money receiving equipment passes the verification.
Preferably, the step of verifying the information contained in the fourth verification pattern based on the second random information in the third verification pattern comprises:
and judging whether the fourth verification pattern contains data information corresponding to the second random information, and/or judging whether the data information contained in the fourth verification pattern can be correctly analyzed by adopting the second random information, and if so, determining that the money receiving equipment passes the verification.
Preferably, the offline payment method further comprises:
analyzing data information contained in the second verification pattern by adopting a preset verification solving method;
judging whether the data information contained in the second verification graph meets a preset condition, and if so, determining that the money receiving equipment passes the verification; if not, determining that the cash register device is not verified; and/or the presence of a gas in the gas,
analyzing data information contained in the fourth verification pattern by adopting a preset verification solving method;
judging whether the data information contained in the fourth verification graph meets a second preset condition, and if so, determining that the money receiving equipment passes the verification; if not, determining that the cash register device is not verified.
Preferably, the offline payment method further comprises:
when the payment device does not receive the second verification pattern or the fourth verification pattern from the collection device within a first set time, the payment device regenerates and displays the first verification pattern containing the updated first random information or the third verification pattern containing the updated second random information.
Preferably, the offline payment method further comprises:
and acquiring the times of continuously regenerating the first verification graph or the third verification graph by the payment equipment, judging whether the times reaches a set threshold value, and if so, determining to stop the current payment process.
Preferably, the step of generating and displaying the third verification pattern containing the second random information by the payment device further comprises:
and the payment equipment adopts the public key corresponding to the collection equipment to check the signature of the information in the second verification graph, and executes the steps of generating and displaying a third verification graph containing second random information by the payment equipment after the signature is successfully checked.
Preferably, the screens of the payment device and the payment receiving device are relatively placed during the payment process;
the payment equipment and the collection equipment mutually scan verification patterns in a screen of the other side through respective front cameras respectively; and/or the presence of a gas in the gas,
the first verification pattern, the second verification pattern, the third verification pattern and the fourth verification pattern are two-dimensional code patterns or bar code patterns.
The invention also provides an off-line payment method, which comprises the following steps:
the method comprises the steps that a collection device receives a first verification graph from a payment device and verifies information contained in the first verification graph;
after the verification is successful, the cash collecting device generates and displays a second verification graph based on the first verification graph;
the second verification graph contains information of the collection equipment and confirmed payment information;
the collection device receives a third verification graph from the payment device and verifies the information contained in the third verification graph;
after the verification is successful, the cash collecting device generates and displays a fourth verification graph based on the third verification graph;
wherein the fourth random information contains feedback information characterizing a successful payment.
Preferably, the offline payment method further comprises:
when the first verification graph or the third verification graph in the payment device is not received by the collection device within a second set time, the second verification graph or the fourth verification graph is regenerated and displayed by the collection device.
Preferably, the offline payment method further comprises:
and acquiring the times of continuously regenerating the second verification graph or the fourth verification graph by the cash register, judging whether the times reaches a set threshold value, and if so, determining to stop the current payment process.
Preferably, the step of verifying the information contained in the first verification pattern includes:
the collection equipment adopts a public key corresponding to the payment equipment to check and sign the information contained in the first verification graph; and/or the presence of a gas in the gas,
the step of verifying the information contained in the third verification pattern comprises:
and the collection equipment adopts the public key corresponding to the payment equipment to check and sign the information contained in the third verification graph.
Preferably, the screens of the payment device and the payment receiving device are relatively placed during the payment process;
the payment equipment and the collection equipment mutually scan verification patterns in a screen of the other side through respective front cameras respectively; and/or the presence of a gas in the gas,
the first verification pattern, the second verification pattern, the third verification pattern and the fourth verification pattern are two-dimensional code patterns or bar code patterns.
The invention also provides an off-line payment system, which comprises a payment device;
the payment equipment is used for generating a first verification graph containing first random information, transaction information and verification information;
wherein the transaction information comprises payment equipment information and payment amount information;
the payment device is used for receiving a second verification graph from a collection device and verifying information contained in the second verification graph based on the first random information in the first verification graph;
after the verification is successful, the payment device is used for generating a third verification graph containing second random information;
the payment device is used for receiving a fourth verification graph from the collection device and verifying information contained in the fourth verification graph based on the second random information in the third verification graph;
and after the verification is successful, the payment device is used for acquiring feedback information of successful payment.
The invention also provides an off-line payment system, which comprises a cash register;
the payment device is used for receiving a first verification graph from the payment device and verifying information contained in the first verification graph;
after the verification is successful, the cash receiving device is used for generating and displaying a second verification graph based on the first verification graph;
the second verification graph contains information of the collection equipment and confirmed payment information;
the collection device is used for receiving a third verification graph from the payment device and verifying information contained in the third verification graph;
after the verification is successful, the cash collecting device is used for generating and displaying a fourth verification graph based on the third verification graph;
wherein the fourth random information contains feedback information characterizing a successful payment.
On the basis of the common knowledge in the field, the preferred conditions can be combined randomly to obtain the preferred embodiments of the invention.
The positive progress effects of the invention are as follows:
in the invention, the verification pattern dynamically generated on the screen of the other side is mutually scanned in real time by the relative arrangement of the payment equipment and the collection equipment which are both provided with the front-facing cameras, so that the verification of the collection equipment by the payment equipment, the payment confirmation of the payment equipment and the payment deduction completion of the collection equipment are completed, and the off-line payment is completed; the novel off-line payment mode is provided, the whole transaction process is only visible for both transaction parties, the problem of financial risk based on the existence of a service center is also avoided, the security of transaction data is guaranteed, and meanwhile, the convenience of payment operation is improved.
Drawings
Fig. 1 is a flowchart of an offline payment method according to embodiment 1 of the present invention.
Fig. 2 is a flowchart of an offline payment method according to embodiment 2 of the present invention.
Detailed Description
The invention is further illustrated by the following examples, which are not intended to limit the scope of the invention.
Example 1
In this embodiment, the transaction process may be an online transaction or an offline transaction. The transaction device (payment or collection device) can interact transaction information with payment service providers, such as banks, payment centers and the like through a wireless or wired communication network; and the off-line transaction can be carried out under the condition of not generating network information interaction, so that the transfer of money between the payment or collection devices is realized.
The online state and the offline state of the transaction device refer to the online state and the offline state of the transaction, and further refer to the state of whether the transaction device uses a communication network to transmit information such as a transaction process and a transaction result. For example, when the transaction device is a mobile phone, the mobile phone resides in a network and can perform internet access, conversation, and other services. However, the transaction information is offline without using the network to communicate the transaction information.
The payment device and the collection device are intelligent devices such as mobile phones and tablet computers.
As shown in fig. 1, the offline payment method of the present embodiment includes:
s101, generating and displaying a first verification graph containing first random information, transaction information and verification information by payment equipment;
specifically, the random information is random data, which causes part or all of the verification pattern to change during the generation of the verification pattern, including but not limited to the size of the partial pattern or the color change of the partial or all of the pattern.
The random information may be a part of data to be transmitted for causing a part of the data to be transmitted to vary randomly; the random information may also be used to randomize the data to be transmitted, so that part or all of the data to be transmitted changes randomly, for example, by performing bitwise xor on the data to be transmitted using a random number.
The transaction information comprises payment equipment information and payment amount information; the payment device information includes, but is not limited to, a serial number of the payment device, a name of a payment application run by the payment device and a login account thereof, and account information of an electronic wallet currently used for payment; the payment amount information includes the amount, currency, etc. of payment;
the authentication information refers to authentication data containing transaction information, random information, or authenticated data (such as transaction information or further including random information, mapping to authenticated data containing authentication information, etc.) by a predetermined authentication method.
The process of generating the verification graph is a process of mapping data to be sent into graph data and displaying the graph data, and the graph generating process can be obtained by processing such as encryption, source coding (lossless compression of the data to be sent) or channel coding of the data to be sent before mapping the graph data or in the mapping process; channel coding adds redundancy to data to be transmitted, such as adding CRC (cyclic redundancy check) verification bits, or performs convolutional coding on the data to be transmitted and outputs the result. In addition, the data to be transmitted adopts an encryption algorithm to generate a corresponding verification graph, and the encryption method can be symmetric encryption or asymmetric encryption algorithm and the like to encrypt the data.
S102, the payment device receives a second verification graph from the collection device, and verifies information contained in the second verification graph based on first random information in the first verification graph;
the process of the payment device receiving the verification pattern is as follows: the payment device takes or scans the image obtained by another device by means of a scanning device, such as a (rear camera, front camera).
In an implementable mode, the payment device and the collection device are both provided with front cameras, and screens of the payment device and the collection device are oppositely arranged in the payment process.
Specifically, the payment device determines whether the second verification pattern includes data information corresponding to the first random information in the first verification pattern, and/or whether the data information included in the second verification pattern can be correctly analyzed by using the first random information, and if so, the payment device is determined to pass the verification.
In addition, the payment equipment can also analyze the data information contained in the second verification pattern by adopting a preset verification solving method, and judge whether the data information contained in the second verification pattern meets a preset condition, if so, the payment equipment is determined to pass the verification; if not, the cash register is determined to be not verified.
And if the transaction information contained in the transmitted data is in accordance with the preset rule, the money receiving equipment is determined to pass the verification. For example: and (3) adopting a preset verification solving method, and if the data to be verified is verified through CRC (cyclic redundancy check code), the remainder is 0, and the data is considered to pass the verification. Verifying the transaction information includes verifying that the payee device information complies with predetermined rules including, but not limited to, determining whether the payee device uses the same payment application as the payment device.
In order to ensure the security of the transaction, the payment device further needs to adopt the public key corresponding to the payment device to check the information in the second verification pattern, and execute step S103 after the check is successful.
The method includes that a payment device and a collection device generate a public and private key pair based on respective device information and the like, generate related information based on a private key, and adopt a public key to check and sign the related information belongs to mature technologies in the field, so details are omitted here.
S103, after the verification is successful, the payment equipment generates and displays a third verification graph containing second random information;
s104, the payment device receives a fourth verification graph from the collection device, and verifies information contained in the fourth verification graph based on second random information in the third verification graph;
specifically, the payment device determines whether the fourth verification pattern includes data information corresponding to the second random information, and/or whether the data information included in the fourth verification pattern can be correctly analyzed by using the second random information, and if so, the payment device is determined to pass the verification.
In addition, the payment equipment can also analyze data information contained in the fourth verification pattern by adopting a preset verification solving method, judge whether the data information contained in the fourth verification pattern meets a second preset condition or not, and if so, determine that the collection equipment passes the verification; if not, the cash register is determined to be not verified.
In order to ensure the security of the transaction, the payment device further needs to adopt the public key corresponding to the collection device to verify the information in the fourth verification pattern, and after the verification is successful, step S105 is executed.
And S105, after the verification is successful, the payment equipment acquires feedback information of successful payment.
The first verification graph, the second verification graph, the third verification graph and the fourth verification graph are verification graphs such as two-dimensional code graphs and bar code graphs.
In addition, when the payment equipment does not receive the second verification pattern or the fourth verification pattern from the collection equipment within the first set time, the payment equipment regenerates and displays the first verification pattern containing the updated first random information or the third verification pattern containing the updated second random information, and the self verification pattern is updated in time, so that the situations of interruption and the like in the payment process are prevented, the smoothness of the transaction process is ensured, and the transaction is ensured to be completed smoothly and quickly.
And acquiring the times of continuously regenerating the first verification graph or the third verification graph by the payment equipment, judging whether the times reaches a set threshold value, if so, determining to stop the current payment process, and restarting a new round of payment process to ensure the effective execution of the payment process.
The payment device is provided with a first amount storage area supporting an NFC payment function, and the collection device is provided with a second amount storage area supporting the NFC payment function. Before off-line payment, the payment device writes the set amount of money from the device payment account into the first amount storage area in advance based on network transmission so as to ensure successful payment in the subsequent off-line payment process. Specifically, the first amount storage area and the second amount storage area are both RFID micropayment application amount storage areas.
After the payment information is determined, the payment equipment deducts the collection amount corresponding to the payment amount information from the first amount storage area; it is well known in the art how to deduct the corresponding amount from the first amount storage area, and therefore, the description thereof is omitted here. And the collection equipment writes the collection amount corresponding to the determined payment information into the second amount storage area according to the payment information. It is a mature technology in the art to write a certain amount of money into the second amount storage area, and therefore, the detailed description thereof is omitted here.
Automatically generating a verification graph in an offline state through payment application programs (such as a payment treasure, WeChat and the like) in the payment equipment and the collection equipment; in the whole offline payment process, the payment device scans and identifies the verification graph generated in the screen of the collection device in real time, and the offline payment operation can be completed only by keeping the verification graph dynamically updated in real time on the screen of the other side mutually scanned by two sides and processing and feeding back the verification graph in time, so that the safety of transaction is ensured, and the convenience of the payment operation is improved.
The embodiment provides a novel off-line payment mode, the whole transaction process is only visible for both transaction parties, the problem of financial risk based on the existence of a service center is also avoided, the security of transaction data is guaranteed, and meanwhile, the convenience of payment operation is improved.
Example 2
In this embodiment, the transaction process may be an online transaction or an offline transaction. The transaction device (payment or collection device) can interact transaction information with payment service providers, such as banks, payment centers and the like through a wireless or wired communication network; and the off-line transaction can be carried out under the condition of not generating network information interaction, so that the transfer of money between the payment or collection devices is realized.
The online state and the offline state of the transaction device refer to the online state and the offline state of the transaction, and further refer to the state of whether the transaction device uses a communication network to transmit information such as a transaction process and a transaction result. For example, when the transaction device is a mobile phone, the mobile phone resides in a network and can perform internet access, conversation, and other services. However, the transaction information is offline without using the network to communicate the transaction information.
The payment device and the collection device are intelligent devices such as mobile phones and tablet computers.
As shown in fig. 2, the offline payment method of the present embodiment includes:
s201, receiving a first verification graph from a payment device by a collection device, and verifying information contained in the first verification graph;
the first verification pattern contains first random information, transaction information, verification information, and the like, and further explanation of the first random information, the transaction information, and the verification information may refer to corresponding contents in embodiment 1, and therefore details are not repeated here.
Specifically, the receiving device adopts the public key corresponding to the payment device to verify the information contained in the first verification pattern.
S202, after the verification is successful, the cash collecting device generates and displays a second verification graph based on the first verification graph;
the second verification graph contains information of the collection equipment and confirmed payment information;
s203, the collection device receives a third verification graph from the payment device and verifies information contained in the third verification graph;
specifically, the collection device adopts a public key corresponding to the payment device to check the information contained in the third verification pattern;
s204, after the verification is successful, the cash collecting device generates and displays a fourth verification graph based on the third verification graph; the fourth random information contains feedback information characterizing a successful payment.
The first verification graph, the second verification graph, the third verification graph and the fourth verification graph are verification graphs such as two-dimensional code graphs and bar code graphs.
In addition, when the collection device does not receive the first verification pattern or the third verification pattern in the payment device within the second set time, the collection device regenerates the second verification pattern or the fourth verification pattern, and the self verification pattern is updated in time, so that the situations of interruption and the like in the payment process are prevented, the smoothness of the transaction process is ensured, and the transaction is ensured to be completed smoothly and quickly.
And acquiring the times of continuously regenerating the second verification graph or the fourth verification graph by the cash collecting device, judging whether the times reaches a set threshold value, and if so, determining to stop the current payment process.
The payment device is provided with a first amount storage area supporting an NFC payment function, and the collection device is provided with a second amount storage area supporting the NFC payment function. Before off-line payment, the payment device writes the set amount of money from the device payment account into the first amount storage area in advance based on network transmission so as to ensure successful payment in the subsequent off-line payment process. Specifically, the first amount storage area and the second amount storage area are both RFID micropayment application amount storage areas.
After the payment information is determined, the payment equipment deducts the collection amount corresponding to the payment amount information from the first amount storage area; it is well known in the art how to deduct the corresponding amount from the first amount storage area, and therefore, the description thereof is omitted here. And the collection equipment writes the collection amount corresponding to the determined payment information into the second amount storage area according to the payment information. It is a mature technology in the art to write a certain amount of money into the second amount storage area, and therefore, the detailed description thereof is omitted here.
Automatically generating a verification graph in an offline state through payment application programs (such as a payment treasure, WeChat and the like) in the payment equipment and the collection equipment; in the whole offline payment process, the payment device scans and identifies the verification graph generated in the screen of the collection device in real time, and the offline payment operation can be completed only by keeping the verification graph dynamically updated in real time on the screen of the other side mutually scanned by two sides and processing and feeding back the verification graph in time, so that the safety of transaction is ensured, and the convenience of the payment operation is improved.
The embodiment provides a novel off-line payment mode, the whole transaction process is only visible for both transaction parties, the problem of financial risk based on the existence of a service center is also avoided, the security of transaction data is guaranteed, and meanwhile, the convenience of payment operation is improved.
Example 3
In this embodiment, the transaction process may be an online transaction or an offline transaction. The transaction device (payment or collection device) can interact transaction information with payment service providers, such as banks, payment centers and the like through a wireless or wired communication network; and the off-line transaction can be carried out under the condition of not generating network information interaction, so that the transfer of money between the payment or collection devices is realized.
The online state and the offline state of the transaction device refer to the online state and the offline state of the transaction, and further refer to the state of whether the transaction device uses a communication network to transmit information such as a transaction process and a transaction result. For example, when the transaction device is a mobile phone, the mobile phone resides in a network and can perform internet access, conversation, and other services. However, the transaction information is offline without using the network to communicate the transaction information.
The payment device and the collection device are intelligent devices such as mobile phones and tablet computers.
The payment equipment and the collection equipment are both provided with front cameras, and screens of the payment equipment and the collection equipment are oppositely arranged in the payment process.
The payment equipment is used for generating a first verification graph containing first random information, transaction information and verification information;
specifically, the random information is random data, which causes part or all of the verification pattern to change during the generation of the verification pattern, including but not limited to the size of the partial pattern or the color change of the partial or all of the pattern.
The random information may be a part of data to be transmitted for causing a part of the data to be transmitted to vary randomly; the random information may also be used to randomize the data to be transmitted, so that part or all of the data to be transmitted changes randomly, for example, by performing bitwise xor on the data to be transmitted using a random number.
The transaction information comprises payment equipment information and payment amount information; the payment device information includes, but is not limited to, a serial number of the payment device, a name of a payment application run by the payment device and a login account thereof, and account information of an electronic wallet currently used for payment; the payment amount information includes the amount, currency, etc. of payment;
the authentication information refers to authentication data containing transaction information, random information, or authenticated data (such as transaction information or further including random information, mapping to authenticated data containing authentication information, etc.) by a predetermined authentication method.
The process of generating the verification graph is a process of mapping data to be sent into graph data and displaying the graph data, and the graph generating process can be obtained by processing such as encryption, source coding (lossless compression of the data to be sent) or channel coding of the data to be sent before mapping the graph data or in the mapping process; channel coding adds redundancy to data to be transmitted, such as adding CRC (cyclic redundancy check) verification bits, or performs convolutional coding on the data to be transmitted and outputs the result. In addition, the data to be transmitted adopts an encryption algorithm to generate a corresponding verification graph, and the encryption method can be symmetric encryption or asymmetric encryption algorithm and the like to encrypt the data.
The payment device is used for receiving the second verification graph from the collection device and verifying the information contained in the second verification graph based on the first random information in the first verification graph;
the process of the payment device receiving the verification pattern is as follows: the payment device takes or scans the image obtained by another device by means of a scanning device, such as a (rear camera, front camera).
In an implementable mode, the payment device and the collection device are both provided with front cameras, and screens of the payment device and the collection device are oppositely arranged in the payment process.
Specifically, the payment device determines whether the second verification pattern includes data information corresponding to the first random information in the first verification pattern, and/or whether the data information included in the second verification pattern can be correctly analyzed by using the first random information, and if so, the payment device is determined to pass the verification.
In addition, the payment equipment can also analyze the data information contained in the second verification pattern by adopting a preset verification solving method, and judge whether the data information contained in the second verification pattern meets a preset condition, if so, the payment equipment is determined to pass the verification; if not, the cash register is determined to be not verified.
And if the transaction information contained in the transmitted data is in accordance with the preset rule, the money receiving equipment is determined to pass the verification. For example: and (3) adopting a preset verification solving method, and if the data to be verified is verified through CRC (cyclic redundancy check code), the remainder is 0, and the data is considered to pass the verification. Verifying the transaction information includes verifying that the payee device information complies with predetermined rules including, but not limited to, determining whether the payee device uses the same payment application as the payment device.
In order to ensure the security of the transaction, the payment device further needs to adopt the public key corresponding to the collection device to verify the information in the second verification pattern.
The method includes that a payment device and a collection device generate a public and private key pair based on respective device information and the like, generate related information based on a private key, and adopt a public key to check and sign the related information belongs to mature technologies in the field, so details are omitted here.
After the verification is successful, the payment device is used for generating a third verification graph containing second random information;
the payment device is used for receiving a fourth verification graph from the collection device and verifying information contained in the fourth verification graph based on second random information in the third verification graph;
specifically, the payment device determines whether the fourth verification pattern includes data information corresponding to the second random information, and/or whether the data information included in the fourth verification pattern can be correctly analyzed by using the second random information, and if so, the payment device is determined to pass the verification.
In addition, the payment equipment can also analyze data information contained in the fourth verification pattern by adopting a preset verification solving method, judge whether the data information contained in the fourth verification pattern meets a second preset condition or not, and if so, determine that the collection equipment passes the verification; if not, the cash register is determined to be not verified.
In order to ensure the security of the transaction, the payment device further needs to adopt the public key corresponding to the collection device to verify the information in the fourth verification pattern.
After the verification is successful, the payment device is used for obtaining feedback information of successful payment.
The first verification graph, the second verification graph and the third verification graph are verification graphs such as two-dimensional code graphs and bar code graphs.
In addition, when the payment equipment does not receive the second verification pattern or the fourth verification pattern from the collection equipment within the first set time, the payment equipment regenerates and displays the first verification pattern containing the updated first random information or the third verification pattern containing the updated second random information, and the self verification pattern is updated in time, so that the situations of interruption and the like in the payment process are prevented, the smoothness of the transaction process is ensured, and the transaction is ensured to be completed smoothly and quickly.
And acquiring the times of continuously regenerating the first verification graph or the third verification graph by the payment equipment, judging whether the times reaches a set threshold value, if so, determining to stop the current payment process, and restarting a new round of payment process to ensure the effective execution of the payment process.
The payment device is provided with a first amount storage area supporting an NFC payment function, and the collection device is provided with a second amount storage area supporting the NFC payment function. Before off-line payment, the payment device writes the set amount of money from the device payment account into the first amount storage area in advance based on network transmission so as to ensure successful payment in the subsequent off-line payment process. Specifically, the first amount storage area and the second amount storage area are both RFID micropayment application amount storage areas.
After the payment information is determined, the payment equipment deducts the collection amount corresponding to the payment amount information from the first amount storage area; it is well known in the art how to deduct the corresponding amount from the first amount storage area, and therefore, the description thereof is omitted here. And the collection equipment writes the collection amount corresponding to the determined payment information into the second amount storage area according to the payment information. It is a mature technology in the art to write a certain amount of money into the second amount storage area, and therefore, the detailed description thereof is omitted here.
Automatically generating a verification graph in an offline state through payment application programs (such as a payment treasure, WeChat and the like) in the payment equipment and the collection equipment; in the whole offline payment process, one party scans and identifies the verification graph generated in the screen of the other party in real time, and the offline payment operation can be completed only by keeping the verification graph which is dynamically updated in real time on the screen of the other party to be scanned mutually and processing and feeding back in time on the basis of the two parties, so that the safety of transaction is ensured, and the convenience of the payment operation is improved.
The embodiment provides a novel off-line payment mode, the whole transaction process is only visible for both transaction parties, the problem of financial risk based on the existence of a service center is also avoided, the security of transaction data is guaranteed, and meanwhile, the convenience of payment operation is improved.
Example 4
In this embodiment, the transaction process may be an online transaction or an offline transaction. The transaction device (payment or collection device) can interact transaction information with payment service providers, such as banks, payment centers and the like through a wireless or wired communication network; and the off-line transaction can be carried out under the condition of not generating network information interaction, so that the transfer of money between the payment or collection devices is realized.
The online state and the offline state of the transaction device refer to the online state and the offline state of the transaction, and further refer to the state of whether the transaction device uses a communication network to transmit information such as a transaction process and a transaction result. For example, when the transaction device is a mobile phone, the mobile phone resides in a network and can perform internet access, conversation, and other services. However, the transaction information is offline without using the network to communicate the transaction information.
The payment device and the collection device are intelligent devices such as mobile phones and tablet computers.
The collection device is used for receiving the first verification graph from the payment device and verifying the information contained in the first verification graph;
the first verification pattern contains first random information, transaction information, verification information, and the like, and further explanation of the first random information, the transaction information, and the verification information may refer to corresponding contents in embodiment 2, and therefore details are not repeated here.
Specifically, the receiving device adopts the public key corresponding to the payment device to verify the information contained in the first verification pattern.
After the verification is successful, the cash collecting device is used for generating and displaying a second verification graph based on the first verification graph;
the second verification graph contains information of the collection equipment and confirmed payment information;
the collection device is used for receiving the third verification pattern from the payment device and verifying the information contained in the third verification pattern;
specifically, the collection device adopts a public key corresponding to the payment device to check the information contained in the third verification pattern;
after the verification is successful, the cash collecting device is used for generating and displaying a fourth verification graph based on the third verification graph;
wherein the fourth random information contains feedback information characterizing a successful payment.
The first verification graph, the second verification graph, the third verification graph and the fourth verification graph are verification graphs such as two-dimensional code graphs and bar code graphs.
In addition, when the collection device does not receive the first verification pattern or the third verification pattern in the payment device within the second set time, the collection device regenerates the second verification pattern or the fourth verification pattern, and the self verification pattern is updated in time, so that the situations of interruption and the like in the payment process are prevented, the smoothness of the transaction process is ensured, and the transaction is ensured to be completed smoothly and quickly.
And acquiring the times of continuously regenerating the second verification graph or the fourth verification graph by the cash collecting device, judging whether the times reaches a set threshold value, and if so, determining to stop the current payment process.
The payment device is provided with a first amount storage area supporting an NFC payment function, and the collection device is provided with a second amount storage area supporting the NFC payment function. Before off-line payment, the payment device writes the set amount of money from the device payment account into the first amount storage area in advance based on network transmission so as to ensure successful payment in the subsequent off-line payment process. Specifically, the first amount storage area and the second amount storage area are both RFID micropayment application amount storage areas.
After the payment information is determined, the payment equipment deducts the collection amount corresponding to the payment amount information from the first amount storage area; it is well known in the art how to deduct the corresponding amount from the first amount storage area, and therefore, the description thereof is omitted here. And the collection equipment writes the collection amount corresponding to the determined payment information into the second amount storage area according to the payment information. It is a mature technology in the art to write a certain amount of money into the second amount storage area, and therefore, the detailed description thereof is omitted here.
Automatically generating a verification graph in an offline state through payment application programs (such as a payment treasure, WeChat and the like) in the payment equipment and the collection equipment; in the whole offline payment process, the payment device scans and identifies the verification graph generated in the screen of the collection device in real time, and the offline payment operation can be completed only by keeping the verification graph dynamically updated in real time on the screen of the other side mutually scanned by two sides and processing and feeding back the verification graph in time, so that the safety of transaction is ensured, and the convenience of the payment operation is improved.
The embodiment provides a novel off-line payment mode, the whole transaction process is only visible for both transaction parties, the problem of financial risk based on the existence of a service center is also avoided, the security of transaction data is guaranteed, and meanwhile, the convenience of payment operation is improved.
While specific embodiments of the invention have been described above, it will be appreciated by those skilled in the art that this is by way of example only, and that the scope of the invention is defined by the appended claims. Various changes and modifications to these embodiments may be made by those skilled in the art without departing from the spirit and scope of the invention, and these changes and modifications are within the scope of the invention.
Claims (15)
1. An offline payment method, comprising:
the payment equipment generates and displays a first verification graph containing first random information, transaction information and verification information;
wherein the transaction information comprises payment equipment information and payment amount information;
the payment device receives a second verification graph from a collection device and verifies the information contained in the second verification graph based on the first random information in the first verification graph;
after the verification is successful, the payment equipment generates and displays a third verification graph containing second random information;
the payment device receives a fourth verification graph from the collection device and verifies the information contained in the fourth verification graph based on the second random information in the third verification graph;
and after the verification is successful, the payment equipment acquires feedback information of successful payment.
2. An off-line payment method as recited in claim 1, wherein the step of verifying the information contained in the second verification pattern based on the first random information in the first verification pattern comprises:
and judging whether the second verification pattern contains data information corresponding to the first random information in the first verification pattern, and/or whether the data information contained in the second verification pattern can be correctly analyzed by adopting the first random information, and if so, determining that the money receiving equipment passes the verification.
3. An off-line payment method as defined in claim 1, wherein verifying the information contained in the fourth verification pattern based on the second random information in the third verification pattern comprises:
and judging whether the fourth verification pattern contains data information corresponding to the second random information, and/or judging whether the data information contained in the fourth verification pattern can be correctly analyzed by adopting the second random information, and if so, determining that the money receiving equipment passes the verification.
4. An offline payment method as recited in claim 1, wherein said offline payment method further comprises:
the payment equipment analyzes the data information contained in the second verification pattern by adopting a preset verification solving method, judges whether the data information contained in the second verification pattern meets a first preset condition or not, and determines that the collection equipment passes the verification if the data information contained in the second verification pattern meets the first preset condition; if not, determining that the cash register device is not verified; and/or the presence of a gas in the gas,
the payment equipment analyzes the data information contained in the fourth verification pattern by adopting a preset verification solving method, judges whether the data information contained in the fourth verification pattern meets a second preset condition or not, and determines that the collection equipment passes the verification if the data information contained in the fourth verification pattern meets the second preset condition; if not, determining that the cash register device is not verified.
5. An offline payment method as recited in claim 1, wherein said offline payment method further comprises:
when the payment device does not receive the second verification pattern or the fourth verification pattern from the collection device within a first set time, the payment device regenerates and displays the first verification pattern containing the updated first random information or the third verification pattern containing the updated second random information.
6. An offline payment method as recited in claim 5, wherein said offline payment method further comprises:
and acquiring the times of continuously regenerating the first verification graph or the third verification graph by the payment equipment, judging whether the times reaches a set threshold value, and if so, determining to stop the current payment process.
7. An off-line payment method as recited in claim 2, wherein the step of the payment device generating and displaying a third verification pattern containing second random information is preceded by the step of:
and the payment equipment adopts the public key corresponding to the collection equipment to check the signature of the information in the second verification graph, and executes the steps of generating and displaying a third verification graph containing second random information by the payment equipment after the signature is successfully checked.
8. The offline payment method of any one of claims 1-7, wherein said first verification graphic, said second verification graphic, said third verification graphic, and said fourth verification graphic are two-dimensional code graphics or bar code graphics.
9. An offline payment method, comprising:
the method comprises the steps that a collection device receives a first verification graph from a payment device and verifies information contained in the first verification graph;
after the verification is successful, the cash collecting device generates and displays a second verification graph based on the first verification graph;
the second verification graph contains information of the collection equipment and confirmed payment information;
the collection device receives a third verification graph from the payment device and verifies the information contained in the third verification graph;
after the verification is successful, the cash collecting device generates and displays a fourth verification graph based on the third verification graph;
wherein the fourth random information contains feedback information characterizing a successful payment.
10. An offline payment method as recited in claim 9, wherein said offline payment method further comprises:
when the first verification graph or the third verification graph in the payment device is not received by the collection device within a second set time, the second verification graph or the fourth verification graph is regenerated and displayed by the collection device.
11. An offline payment method as recited in claim 10, wherein said offline payment method further comprises:
and acquiring the times of continuously regenerating the second verification graph or the fourth verification graph by the cash register, judging whether the times reaches a set threshold value, and if so, determining to stop the current payment process.
12. An off-line payment method as defined in claim 9, wherein verifying the information contained in the first verification pattern comprises:
the collection equipment adopts a public key corresponding to the payment equipment to check and sign the information contained in the first verification graph; and/or the presence of a gas in the gas,
the step of verifying the information contained in the third verification pattern comprises:
and the collection equipment adopts the public key corresponding to the payment equipment to check and sign the information contained in the third verification graph.
13. The offline payment method of any one of claims 9-12, wherein said first verification graphic, said second verification graphic, said third verification graphic, and said fourth verification graphic are two-dimensional code graphics or bar code graphics.
14. An offline payment system, characterized in that it comprises a payment device;
the payment equipment is used for generating a first verification graph containing first random information, transaction information and verification information;
wherein the transaction information comprises payment equipment information and payment amount information;
the payment device is used for receiving a second verification graph from a collection device and verifying information contained in the second verification graph based on the first random information in the first verification graph;
after the verification is successful, the payment device is used for generating a third verification graph containing second random information;
the payment device is used for receiving a fourth verification graph from the collection device and verifying information contained in the fourth verification graph based on the second random information in the third verification graph;
and after the verification is successful, the payment device is used for acquiring feedback information of successful payment.
15. An offline payment system, comprising a payment receiving device;
the payment device is used for receiving a first verification graph from the payment device and verifying information contained in the first verification graph;
after the verification is successful, the cash receiving device is used for generating and displaying a second verification graph based on the first verification graph;
the second verification graph contains information of the collection equipment and confirmed payment information;
the collection device is used for receiving a third verification graph from the payment device and verifying information contained in the third verification graph;
after the verification is successful, the cash collecting device is used for generating and displaying a fourth verification graph based on the third verification graph;
wherein the fourth random information contains feedback information characterizing a successful payment.
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