CN113065857A - Data processing method, device, equipment, medium and product in payment process - Google Patents
Data processing method, device, equipment, medium and product in payment process Download PDFInfo
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- CN113065857A CN113065857A CN202110450397.4A CN202110450397A CN113065857A CN 113065857 A CN113065857 A CN 113065857A CN 202110450397 A CN202110450397 A CN 202110450397A CN 113065857 A CN113065857 A CN 113065857A
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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
- G06Q20/04—Payment circuits
- G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
- G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
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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
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3821—Electronic credentials
- G06Q20/38215—Use of certificates or encrypted proofs of transaction rights
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
Abstract
The invention provides a data processing method, a device, equipment, a medium and a product in a payment process, wherein the method comprises the following steps: acquiring at least one piece of pre-stored user account information; generating a corresponding check token according to the user account information and the current timestamp; and sending the verification token to the scanning consumption equipment, wherein the verification token is used for indicating the scanning consumption equipment to verify the payment code to be verified sent by the terminal equipment so as to deduct money after the verification is passed, and the payment code to be verified is generated by encrypting the user account information by the terminal equipment according to the corresponding verification token and writing the user account information into a preset user payment code. Even if the scanning consumption equipment and the payment platform are in a disconnected state, the payment code can be successfully verified, and the safety of the payment process is ensured. And the payment is smoothly carried out after the verification is passed, so that the payment experience of the user is improved.
Description
Technical Field
The invention belongs to the technical field of mobile payment, and particularly relates to a data processing method, device, equipment, medium and product in a payment process.
Background
With the development of the mobile internet, the mobile payment technology has also been developed rapidly. In the field of mobile payment, pay-code payment, face-brushing payment, etc. are included.
In the current mobile payment field, some mobile payment scenes face a relatively fixed and large number of mobile payment users every day, such as a corporate canteen scene, a corporate supermarket scene, and the like. In such a mobile payment scenario, it is necessary to ensure the network connection between the scanning consumer device that scans the payment code or the human face and the payment platform, so that the payment can be successfully completed after the payment platform verifies the payment code.
However, in these mobile payment scenarios, the scanning consumption device and the payment platform are easily in a disconnected state, and the payment platform cannot verify the payment code, so that smooth payment cannot be performed, and the payment experience of the user is reduced. If the payment is carried out without verification, the safety of the payment process cannot be ensured.
Disclosure of Invention
The invention provides a data processing method, a data processing device, data processing equipment, a data processing medium and a data processing product in a payment process, and solves the problems that scanning consumption equipment and a payment platform are in a disconnected state, and the payment platform cannot check a payment code, so that smooth payment cannot be realized, and the payment experience of a user is reduced. If the payment is carried out without verification, the safety of the payment process cannot be ensured.
The invention provides a data processing method in a payment process, which is applied to a block chain account server and comprises the following steps:
acquiring at least one piece of pre-stored user account information;
generating a corresponding check token according to the user account information and the current timestamp;
and sending the check token to the scanning consumption equipment, wherein the check token is used for indicating the scanning consumption equipment to scan and check the payment code to be checked presented by the terminal equipment so as to deduct money after the check is passed, and the payment code to be checked is generated by encrypting the user account information by the terminal equipment according to the corresponding check token and writing the user account information into a preset user payment code.
In one possible design, the generating a corresponding check token according to each user account information and the current timestamp includes:
inputting the user account information and the current timestamp into a preset encryption algorithm;
and generating a corresponding check token through the preset encryption algorithm.
In one possible design, further comprising:
receiving a check token acquisition request sent by terminal equipment, wherein the check token acquisition request comprises user account information;
determining the sending time of a check token acquisition request;
determining a corresponding check token according to the user account information and the sending time;
and sending a corresponding check token to the terminal equipment.
In one possible design, further comprising:
if the scanning consumption equipment is monitored to establish communication connection with the scanning consumption equipment, receiving account balance after deduction sent by the scanning consumption equipment;
updating the original account balance in the user account information by adopting the account balance after deduction;
and sending a deduction message to the terminal equipment.
A second aspect of the present invention provides a data processing method in a payment process, the method being applied to a scanning consumption device, the method comprising:
receiving at least one check token sent by a blockchain account server, wherein each check token is generated according to corresponding user account information and a current timestamp;
storing the check token;
if the payment code to be verified presented by the terminal equipment is scanned, verifying the payment code to be verified by adopting a corresponding verification token, wherein the payment code to be verified is generated by encrypting user account information by the terminal equipment according to the corresponding verification token and writing the user account information into a preset user payment code;
and if the verification is confirmed to pass, deducting money.
In one possible design, the verifying the payment code to be verified with the corresponding verification token includes:
decrypting the payment code to be verified by adopting the corresponding verification token;
if the decryption is successful, acquiring user account information in the payment code to be verified;
judging whether the account balance in the user account information is greater than or equal to the deduction amount or not;
and if the deduction amount is larger than or equal to the deduction amount, the verification is determined to be passed.
A third aspect of the invention provides a blockchain account server, a memory, a processor and a transceiver;
the processor, the memory, and the transceiver circuitry are interconnected;
the memory for storing a computer program; the transceiver is used for receiving and transmitting data with the scanning consumption equipment and the terminal equipment;
the processor is configured to be capable of performing the method of any one of the first aspect.
A fourth aspect of the invention provides a scanning consumer device comprising: a memory, a processor, a transceiver, and a scanner;
the processor, the memory, the transceiver, and the scanner circuitry are interconnected;
the memory for storing a computer program; the transceiver is used for receiving and transmitting data with the block chain server; the scanner is used for scanning the payment code to be verified, which is shown by the terminal equipment;
the processor is configured to be capable of performing the method of any of the second aspects.
A fifth aspect of the present invention provides a computer-readable storage medium having a computer program stored thereon;
the computer program, when executed by a processor, implements a method as set forth in any one of the first or second aspects.
A sixth aspect of the invention provides a computer program product comprising a computer program which, when executed by a processor, performs the method of any one of the first or second aspects.
According to the data processing method, the data processing device, the data processing equipment, the data processing medium and the data processing product in the payment process, at least one piece of pre-stored user account information is acquired; generating a corresponding check token according to the user account information and the current timestamp; and sending the verification token to the scanning consumption equipment, wherein the verification token is used for indicating the scanning consumption equipment to verify the payment code to be verified sent by the terminal equipment so as to deduct money after the verification is passed, and the payment code to be verified is generated by encrypting the user account information by the terminal equipment according to the corresponding verification token and writing the user account information into a preset user payment code. The block chain account server stores the verification token generated according to the user account information and the current timestamp in the scanning consumption equipment in advance, and the consumption equipment verifies the payment code to be verified, so that the payment code can be verified smoothly even if the scanning consumption equipment and the payment platform are in a disconnected state, and the safety of the payment process is ensured. And the payment is smoothly carried out after the verification is passed, so that the payment experience of the user is improved.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to these drawings without creative efforts.
Fig. 1 is a network architecture diagram of a data processing method in a payment process according to an embodiment of the present invention;
fig. 2 is a flowchart of a data processing method in a payment process according to an embodiment of the present invention;
fig. 3 is a flowchart of a data processing method in a payment process according to another embodiment of the present invention;
FIG. 4 is a flow chart of a data processing method in a payment process according to yet another embodiment of the invention;
fig. 5 is a signaling flow chart of a data processing method in a payment process according to another embodiment of the present invention;
fig. 6 is a schematic structural diagram of a blockchain account server according to an embodiment of the present invention;
fig. 7 is a schematic structural diagram of a scanning consumer device according to an embodiment of the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
For a clear understanding of the technical solutions of the present application, a detailed description of the prior art solutions is first provided.
In the current mobile payment process, a user presents a payment code or presents a face to a scanning consumer device through a terminal device. The scanning consumption equipment scans the payment code or the face to acquire the key information in the payment code or the face, sends the key information to the payment platform, the payment platform verifies the key information in the payment code or the face, and after the verification is passed, payment is carried out.
In the mobile payment scene facing a relatively fixed and large number of mobile payment users, the scanning consumption device and the payment platform are easily in a disconnected state, and then the payment platform cannot check the payment code or the face of a person, so that the payment cannot be smoothly carried out. If the payment platform executes the payment operation without verification, the safety of the payment process cannot be ensured.
In view of the above technical problems, the inventor has creatively found that, in a mobile payment scenario where a mobile payment user is relatively fixed and a large number of mobile payment users are relatively fixed, the operation of verifying the payment code can be moved forward and put into the scanning consumer device in advance. Specifically, the blockchain account server may store each piece of mobile payment user account information, and generate a verification token through the user account information and a corresponding timestamp at preset time intervals, and store the verification token corresponding to each piece of user account information in the scanning consumption device in advance under the condition that the blockchain account server and the scanning consumption device have network communication connection. The verification token is provided with the time stamp information, so that the verification token is only suitable for verifying the payment code of the mobile payment user in the time period corresponding to the time stamp information. When the terminal device presents the payment code, the payment code is a token to be verified, which encrypts user account information through a corresponding verification token. The scanning consumption equipment scans the token to be verified, decrypts the token to be verified by adopting the verification token corresponding to the timestamp information, verifies the user account information, deducts money after the verification is passed, and completes payment. The block chain account server stores the verification token generated according to the user account information and the current timestamp in the scanning consumption equipment in advance, and the consumption equipment verifies the payment code to be verified, so that the payment code can be verified smoothly even if the scanning consumption equipment and the payment platform are in a disconnected state, and the safety of the payment process is ensured. And the payment is smoothly carried out after the verification is passed, so that the payment experience of the user is improved.
Therefore, the inventor proposes a technical scheme of the embodiment of the invention based on the above creative discovery. The network architecture and application scenario of the data processing method in the payment process provided by the embodiment of the present invention are described below.
Fig. 1 is a network architecture diagram of a data processing method in a payment process according to an embodiment of the present invention, as shown in fig. 1, a network architecture of the data processing method according to the embodiment includes: the terminal device 1, the scanning consumption device 2 and the block chain account server 3. The block chain account server 3 is respectively connected with the terminal equipment 1 and the scanning consumption equipment 2 in a communication way. The scanning consumption equipment 2 can scan and check the payment code to be checked presented by the terminal equipment 1, and can deduct money after the check is passed, thereby completing payment.
It should be noted that the scanning consumption device may be a scanning consumption all-in-one machine, and may also include a scanning device and a consumption machine. The scanning device scans the payment code to be verified. And the consumer machine checks the payment code to be checked, deducts money after the check is passed, and completes payment.
The application scenario of the data processing method in the payment process provided by the embodiment of the invention is a relatively fixed and large-quantity mobile payment scenario for mobile payment users. Such as an enterprise dining room scene, an enterprise supermarket scene and the like. It is understood that a relatively fixed and large number of mobile payment scenarios may also be provided for other mobile payment users, which is not limited in the embodiment of the present invention.
The technical solution of the present invention will be described in detail below with specific examples. The following several specific embodiments may be combined with each other, and details of the same or similar concepts or processes may not be repeated in some embodiments. Embodiments of the present invention will be described below with reference to the accompanying drawings.
Fig. 2 is a flowchart of a data processing method in a payment process according to an embodiment of the present invention. As shown in fig. 2, the main execution body of the data processing method in the payment process provided by this embodiment is a data processing device in the payment process, and the data processing in the payment process may be integrated in the blockchain account server. The data processing method in the payment process provided by this embodiment includes the following steps:
s101, at least one piece of pre-stored user account information is obtained.
In this embodiment, the blockchain account server is a server that stores and manages account information of the mobile payment user by using a blockchain technology. The user account information stored in the blockchain of the blockchain account server may include: user account identification, user account balance, payment type, payment ID, etc.
In this embodiment, the blockchain account server accesses the blockchain and obtains the account information of each user from the blockchain.
And S102, generating a corresponding check token according to the account information of each user and the current timestamp.
In this embodiment, the minimum unit of the current timestamp may be determined according to a period in which the blockchain account server updates the check token. If the period for updating the check token by the blockchain account server is 1 day, the minimum unit of the current timestamp is day. Such as current timestamp 2021, 4 months, 12 days.
In this embodiment, for each user account information, when a corresponding verification token is generated according to each user account information and the current timestamp, the user account information and the current timestamp may be encrypted by using an encryption algorithm to obtain the corresponding verification token.
It should be noted that, if the current timestamps are the same and the user account information is different, the first N data of the generated verification token are the same, the last M data are different, and the last M data are different due to the difference in the user account information.
And S103, sending the verification token to the scanning consumption equipment, wherein the verification token is used for indicating the scanning consumption equipment to scan and verify the payment code to be verified presented by the terminal equipment so as to deduct money after verification is passed, and the payment code to be verified is generated by encrypting the user account information by the terminal equipment according to the corresponding verification token and writing the user account information into a preset user payment code.
In this embodiment, in a low peak stage of a mobile payment scenario, if it is monitored that the blockchain account server has a network communication connection with the scanning consumption device, the check token corresponding to each user account information is sent to the scanning consumption device in advance. So that the scanning consumption device stores the verification token corresponding to each user account information.
The verification token corresponding to each user account information is associated with the time stamp when being generated, so that the verification token is only suitable for verifying the payment code of the mobile payment user in the time period corresponding to the time stamp information. For example: the check token stored in the scanning consumption device is generated based on 12/4/2021, and the update period of the blockchain account server to the check token is 1 day, so that the check token is only applicable to the check of the payment code to be checked, which is shown by the mobile payment user on 13/4/2021.
In this embodiment, after the blockchain account server generates the corresponding check token according to each user account information and the current timestamp, the terminal device may obtain the corresponding check token from the blockchain account server, encrypt the user account information using the corresponding check token, and write the encrypted user account information into the preset user payment code of the terminal device. The terminal device scans the payment code to be verified after presenting the payment code to be verified to the scanning consumption device, decrypts the payment code to be verified by using the corresponding verification token as the key, and indicates that the payment code to be verified is an effective and safe payment code after the decryption is successful. And after the decryption is successful, obtaining the user account information, and continuously checking the user account information, such as checking whether the account balance in the user account information is greater than the deduction amount. And if the verification is passed, carrying out money deduction operation to complete the payment process.
In the data processing method in the payment process provided by the embodiment, at least one piece of pre-stored user account information is acquired; generating a corresponding check token according to the user account information and the current timestamp; and sending the verification token to the scanning consumption equipment, wherein the verification token is used for indicating the scanning consumption equipment to verify the payment code to be verified sent by the terminal equipment so as to deduct money after the verification is passed, and the payment code to be verified is generated by encrypting the user account information by the terminal equipment according to the corresponding verification token and writing the user account information into a preset user payment code. The block chain account server stores the verification token generated according to the user account information and the current timestamp in the scanning consumption equipment in advance, and the consumption equipment verifies the payment code to be verified, so that the payment code can be verified smoothly even if the scanning consumption equipment and the payment platform are in a disconnected state, and the safety of the payment process is ensured. And the payment is smoothly carried out after the verification is passed, so that the payment experience of the user is improved.
Example two
Fig. 3 is a flowchart of a data processing method in a payment process according to another embodiment of the present invention. As shown in fig. 3, the present embodiment provides a data processing method in a payment process, which further refines step 102 on the basis of the data processing method in the payment process provided in the first embodiment of the present invention, and further includes other steps. The air conditioner control method provided by this embodiment further includes the following steps:
s201, at least one piece of pre-stored user account information is obtained.
In this embodiment, the implementation manner of S201 is similar to that of S101 in the first embodiment of the present invention, and is not described in detail here.
S202, generating corresponding verification tokens according to the user account information and the current time stamps.
As an alternative implementation manner, in this embodiment, S202 includes the following steps:
s2021, inputting the user account information and the current time stamp into a preset encryption algorithm.
S2022, generating a corresponding check token through a preset encryption algorithm.
The preset encryption algorithm may be an RSA encryption algorithm.
Specifically, in this embodiment, the user account information and the current timestamp are input into a preset encryption algorithm, and the preset encryption algorithm encrypts the user account information and the current timestamp by using a corresponding encryption policy to generate a corresponding check token.
In the verification token, if the current timestamps are the same and the user account information is different, the first N data of the verification token are the same. The latter M data are different. Therefore, the first N data of the check token are identifiers indicating whether the check token is a valid check token corresponding to the payment code to be checked. The M data are marks representing whether the verification token and the payment code to be verified are the same user account information.
S203, sending the check token to the scanning consumption device.
The verification token is used for indicating the scanning consumption equipment to scan and verify the payment code to be verified presented by the terminal equipment so as to deduct money after verification is passed, and the payment code to be verified is generated by encrypting the user account information according to the corresponding verification token and writing the user account information into a preset user payment code by the terminal equipment.
In this embodiment, the implementation manner of S203 is similar to that of S103 in the first embodiment of the present invention, and is not described in detail here.
And S204, receiving a verification token acquisition request sent by the terminal equipment, wherein the verification token acquisition request comprises user account information.
In this embodiment, when the user triggers the payment code to be presented through the terminal device, the terminal device sends a check token acquisition request to the blockchain account server.
The user account information included in the check token acquisition request may include: user account identification, user account balance, payment type, payment ID, etc.
S205, determining the sending time of the check token obtaining request.
In this embodiment, the check token obtaining request may include sending time, and the sending time is analyzed from the check token obtaining request.
And S206, determining a corresponding check token according to the user account information and the sending time.
In this embodiment, since the check token is generated according to the user account information and the timestamp information, the check token corresponding to the user account information may be obtained first. And comparing the timestamp information of the check token with the sending time to determine the corresponding check token. Alternatively, the check token corresponding to the timestamp information with the latest sending time may be determined as the check token that the terminal device needs to acquire.
For example, if the transmission time is 13 days 4/2021 and the timestamp information that is the latest of the transmission time is 12 days 4/2021, the verification token corresponding to the same user account information and the timestamp information of 12 days 4/2021 is determined as the verification token to be transmitted to the terminal device.
And S207, sending the corresponding check token to the terminal equipment.
In this embodiment, after the corresponding verification token is sent to the terminal device, the verification token is used to encrypt the user account information, and the encrypted user account information is written into the preset user payment code to form the payment code to be verified, so that the scanning consumption device scans the payment code to be verified and verifies the payment code by using the corresponding verification token stored in advance, and deducts money after the verification is passed.
When the user account information is encrypted by the verification token, the verification token is used as a secret key, and the user account information is encrypted by a preset encryption algorithm. The preset encryption algorithm may be an RSA encryption algorithm or other encryption algorithms, which is not limited in this embodiment.
The execution order of S204 to S207 and the execution order of S203 are not limited. S203 may be performed first and then S204-S207 may be performed. Or S204-S207 are executed first and then S203 is executed. Or S203 and S204-S207 are executed in parallel, which is not limited in this embodiment.
And S208, if the fact that the scanning consumption equipment establishes communication connection with the scanning consumption equipment is monitored, receiving the account balance after deduction sent by the scanning consumption equipment.
S209, updating the original account balance in the user account information by adopting the account balance after deduction.
In this embodiment, when the payment code to be verified presented by the terminal device passes verification and payment is completed, the connection between the blockchain account server and the scanning consumer device may be in a disconnected state. At this time, the blockchain account server cannot obtain the account balance after the deduction of the scanning consumption equipment. In order to smoothly update the user account information of the blockchain account server, whether the blockchain account server is in communication connection with the scanning consumption equipment or not is monitored. And if so, scanning the consumption equipment to send the account balance after deduction to the block chain account server. And the block chain account server updates the account balance in the same user account by adopting the account balance after deduction.
And S210, sending a deduction message to the terminal equipment.
In this embodiment, the blockchain account server sends the deduction information to the terminal device, and the terminal device displays the deduction information so that the user can know that the deduction is successful.
According to the data processing method in the payment process, if the fact that the scanning consumption equipment establishes communication connection with the scanning consumption equipment is monitored, account balance after deduction sent by the scanning consumption equipment is received; updating the original account balance in the user account information by adopting the account balance after deduction; and sending a deduction message to the terminal equipment. After the block chain account server and the scanning consumption equipment are networked, the user account information can be updated in time and is synchronously sent to the terminal equipment, and the user experience is further improved while the payment is smoothly carried out in an offline state.
EXAMPLE III
Fig. 4 is a flowchart of a data processing method in a payment process according to still another embodiment of the present invention, and as shown in fig. 4, an execution main body of the data processing method in the payment process according to this embodiment is a data processing device in the payment process, and the data processing device in the payment process is located in a scanning consumer device, the data processing method in the payment process according to this embodiment includes the following steps:
s301, at least one check token sent by the blockchain account server is received, and each check token is generated according to corresponding user account information and a current timestamp.
In this embodiment, at a low peak stage of a mobile payment scenario, if it is monitored that the blockchain account server and the scanning consumption device have network communication connection, the scanning consumption device receives at least one check token sent by the blockchain account server.
S302, storing the check token.
In this embodiment, since the blockchain account server periodically generates a corresponding check token for each user account information, the check tokens generated by the same timestamp can be stored in a centralized manner. Or the newly generated check token is adopted to replace the original check token.
And S303, if the payment code to be verified presented by the terminal equipment is scanned, verifying the payment code to be verified by adopting the corresponding verification token.
The payment code to be verified is generated by encrypting the user account information by the terminal equipment according to the corresponding verification token and writing the user account information into a preset user payment code.
In this embodiment, when the terminal device encrypts the user account information according to the corresponding verification token, a preset encryption algorithm may be used for encryption. The preset encryption algorithm may be an RSA encryption algorithm, or other encryption algorithms, which is not limited in this embodiment.
As an optional implementation manner, in this embodiment, the verifying the payment code to be verified by using the corresponding verification token in S303 includes the following steps:
s3031, the corresponding verification token is adopted to decrypt the payment code to be verified.
S3032, if the decryption is successful, the user account information in the payment code to be verified is obtained.
In this embodiment, the scanning consumption device may scan the payment code to be verified, which is presented by the terminal device, after receiving a scanning instruction triggered by the scanning device, by using the scanning device, and if it is determined that the payment code to be verified is present, it is first determined whether an effective verification token corresponding to the payment code to be verified exists, and if it is determined that the effective verification token exists, the payment code to be verified is decrypted by using the verification token valid for the same user account information, and if the decryption is successful, information such as an account balance, a payment type, and a payment ID in the user account information is obtained. And verifying the user account information.
It will be appreciated that if the decryption is unsuccessful, it indicates that there is no valid verification token for the payment code to be verified. If the check token is expired, or the check token of the mobile payment user corresponding to the payment code to be checked is not stored in the scanning consumption device.
S3033, judging whether the account balance in the user account information is larger than or equal to the deduction amount, if so, executing S3034, otherwise, executing S3035.
S3034, confirming that the verification is passed.
S3035, determining that the verification is not passed.
In this embodiment, in order to ensure that payment is smoothly performed, it is necessary to determine whether the account balance in the user account information is sufficient, specifically, determine whether the account balance in the user account information is greater than or equal to the deduction amount, and if the account balance is greater than or equal to the deduction amount, it indicates that the payment can be performed, and it is determined that the payment passes the verification. If the balance is less than the preset balance, the account balance is not enough to pay, and the verification is determined to be not passed.
And S304, if the verification is confirmed to pass, deducting money.
In the data processing method in the payment process provided by this embodiment, at least one verification token sent by the blockchain account server is received, and each verification token is generated according to corresponding user account information and a current timestamp; storing the check token; if the payment code to be verified presented by the terminal equipment is scanned, verifying the payment code to be verified by adopting a corresponding verification token, wherein the payment code to be verified is generated by encrypting user account information by the terminal equipment according to the corresponding verification token and writing the user account information into a preset user payment code; and if the verification is confirmed to pass, deducting money. The block chain account server stores the verification token generated according to the user account information and the current timestamp in the scanning consumption equipment in advance, and the consumption equipment verifies the payment code to be verified, so that the payment code can be verified smoothly even if the scanning consumption equipment and the payment platform are in a disconnected state, and the safety of the payment process is ensured. And the payment is smoothly carried out after the verification is passed, so that the payment experience of the user is improved.
As an optional implementation manner, in this embodiment, after step 304, the method further includes:
and broadcasting the consumption information including the updated account balance in the local area network corresponding to the scanning consumption device.
In particular, in the prior art, in a relatively stationary and large number of mobile payment scenarios of the user, a plurality of scanning consumer devices may be included. And communication cannot be carried out among the scanning consumption devices, so that the payment information cannot be synchronized. For example, although the corresponding scanning consumer device makes a successful payment in the payment, the updated account balance is not synchronized to other scanning consumer devices, so that when the mobile payment user continues to make a payment in other scanning consumer devices, the account balance is still the updated account balance, and further, the user account information is wrong.
Therefore, in the embodiment of the invention, after the scanning consumption device successfully deducts money, the consumption information including the updated account balance is broadcasted in the local area network corresponding to the scanning consumption device. And other scanning consumption devices store the updated account balance, the payment code to be verified is presented again by the mobile payment user through the terminal device, and after the payment code to be verified is successfully decrypted by adopting the corresponding verification token, the updated account balance is compared with the deduction amount to judge whether the verification is passed.
According to the data processing method in the payment process, after deduction is carried out, consumption information including updated account balance is broadcasted in the local area network corresponding to the scanning consumption equipment, and accurate verification of the account balance in the payment code to be verified by each scanning consumption equipment can be guaranteed in a relatively fixed and large-amount mobile payment scene of a user.
Example four
Fig. 5 is a signaling flowchart of a data processing method in a payment process according to another embodiment of the present invention, and as shown in fig. 5, an execution main body of the data processing method in the payment process according to this embodiment is a data processing system in the payment process, and then the data processing method in the payment process according to this embodiment includes the following steps:
s401, the block chain account server obtains at least one piece of pre-stored user account information.
S402, the block chain account server generates corresponding check tokens according to the user account information and the current time stamp.
And S403, the blockchain account server sends the check token to the scanning consumption device.
S404, the scanning consumption device stores the check token.
S405, the terminal device sends a token acquisition request to the blockchain account server, wherein the token acquisition request comprises user account information.
S406, the block chain account server determines the sending time of the verification token obtaining request, and determines a corresponding verification token according to the user account information and the sending time.
S407, the block chain account server sends a corresponding check token to the terminal device.
S408, the terminal device encrypts the user account information by adopting the verification token, and writes the encrypted user account information into a preset user payment code to form a payment code to be verified.
And S409, the terminal equipment presents the payment code to be verified to the scanning consumption equipment.
S410, scanning the payment code to be verified by the scanning consumption equipment, verifying by adopting a corresponding verification token stored in advance, and deducting money after the verification is passed.
S411, the scanning consumption equipment sends the account balance after deduction to the block chain account server.
And S412, the block chain account server updates the original account balance in the user account information by adopting the account balance after deduction.
And S413, the blockchain account server sends a deduction message to the terminal equipment.
In the data processing method in the payment process provided in this embodiment, implementation manners of each step in S401 to S413 are similar to implementation manners of corresponding steps in the first to third embodiments, and are not described in detail here.
EXAMPLE five
Fig. 6 is a schematic structural diagram of a blockchain account server according to an embodiment of the present invention, and as shown in fig. 6, a blockchain account server 50 according to the embodiment includes: a memory 51, a processor 52, and a transceiver 53.
a memory 51 for storing a computer program; and a transceiver 53 for transceiving data with the scanning consumer device and the terminal device.
The processor 52 is configured to be capable of performing the method of embodiment one or embodiment two or embodiment four.
EXAMPLE six
Fig. 7 is a schematic structural diagram of a scanning consumer device according to an embodiment of the present invention, and as shown in fig. 7, a scanning consumer device 60 according to the embodiment includes: a memory 61, a processor 62, a transceiver 63 and a scanner 64.
Wherein the processor 62, memory 61, transceiver 63 and scanner 64 are electrically interconnected.
A memory 61 for storing a computer program. A transceiver 63 for transceiving data with the blockchain server. And the scanner 64 is used for scanning the payment code to be verified presented by the terminal equipment.
The processor is configured to be capable of performing the method of embodiment three or embodiment four.
EXAMPLE seven
Fifth embodiment of the present invention provides a computer-readable storage medium, on which a computer program is stored, where the computer program is executed by a processor to implement the method provided in any one of the first to fourth embodiments.
Example eight
A sixth embodiment of the present invention provides a computer program product, which includes a computer program, and when the computer program is executed by a processor, the computer program implements the method provided in any one of the first to fourth embodiments.
In the embodiments provided in the present invention, it should be understood that the disclosed apparatus and method may be implemented in other ways. For example, the above-described apparatus embodiments are merely illustrative, and for example, a division of a unit is merely a logical division, and an actual implementation may have another division, for example, a plurality of units or components may be combined or integrated into another system, or some features may be omitted, or not executed. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection through some interfaces, devices or units, and may be in an electrical, mechanical or other form.
Units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the units can be selected according to actual needs to achieve the purpose of the solution of the embodiment.
In addition, functional units in the embodiments of the present invention may be integrated into one processing unit, or each unit may exist alone physically, or two or more units are integrated into one unit. The integrated unit can be realized in a form of hardware, or in a form of hardware plus a software functional unit.
The integrated unit implemented in the form of a software functional unit may be stored in a computer readable storage medium. The software functional unit is stored in a storage medium and includes several instructions to enable a computer device (which may be a personal computer, a server, or a network device) or a processor (processor) to execute some steps of the methods according to the embodiments of the present invention. And the aforementioned storage medium includes: various media capable of storing program codes, such as a usb disk, a removable hard disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk, or an optical disk.
It is obvious to those skilled in the art that, for convenience and simplicity of description, the foregoing division of the functional modules is merely used as an example, and in practical applications, the above function distribution may be performed by different functional modules according to needs, that is, the internal structure of the device is divided into different functional modules to perform all or part of the above described functions. For the specific working process of the device described above, reference may be made to the corresponding process in the foregoing method embodiment, which is not described herein again.
Finally, it should be noted that: the above embodiments are only used to illustrate the technical solution of the present invention, and not to limit the same; while the invention has been described in detail and with reference to the foregoing embodiments, it will be understood by those skilled in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some or all of the technical features may be equivalently replaced; and the modifications or the substitutions do not make the essence of the corresponding technical solutions depart from the scope of the technical solutions of the embodiments of the present invention.
Claims (10)
1. A data processing method in a payment process is applied to a block chain account server and comprises the following steps:
acquiring at least one piece of pre-stored user account information;
generating a corresponding check token according to the user account information and the current timestamp;
and sending the check token to the scanning consumption equipment, wherein the check token is used for indicating the scanning consumption equipment to scan and check the payment code to be checked presented by the terminal equipment so as to deduct money after the check is passed, and the payment code to be checked is generated by encrypting the user account information by the terminal equipment according to the corresponding check token and writing the user account information into a preset user payment code.
2. The method of claim 1, wherein generating the corresponding verification token according to the user account information and the current timestamp comprises:
inputting the user account information and the current timestamp into a preset encryption algorithm;
and generating a corresponding check token through the preset encryption algorithm.
3. The method of claim 1 or 2, further comprising:
receiving a check token acquisition request sent by terminal equipment, wherein the check token acquisition request comprises user account information;
determining the sending time of a check token acquisition request;
determining a corresponding check token according to the user account information and the sending time;
and sending a corresponding check token to the terminal equipment.
4. The method of claim 1 or 2, further comprising:
if the scanning consumption equipment is monitored to establish communication connection with the scanning consumption equipment, receiving account balance after deduction sent by the scanning consumption equipment;
updating the original account balance in the user account information by adopting the account balance after deduction;
and sending a deduction message to the terminal equipment.
5. A method of processing data during a payment process, the method being applied to a scanning consumer device, the method comprising:
receiving at least one check token sent by a blockchain account server, wherein each check token is generated according to corresponding user account information and a current timestamp;
storing the check token;
if the payment code to be verified presented by the terminal equipment is scanned, verifying the payment code to be verified by adopting a corresponding verification token, wherein the payment code to be verified is generated by encrypting user account information by the terminal equipment according to the corresponding verification token and writing the user account information into a preset user payment code;
and if the verification is confirmed to pass, deducting money.
6. The method of claim 5, wherein verifying the payment code to be verified using the corresponding verification token comprises:
decrypting the payment code to be verified by adopting the corresponding verification token;
if the decryption is successful, acquiring user account information in the payment code to be verified;
judging whether the account balance in the user account information is greater than or equal to the deduction amount or not;
and if the deduction amount is larger than or equal to the deduction amount, the verification is determined to be passed.
7. A blockchain account server, comprising: a memory, a processor, and a transceiver;
the processor, the memory, and the transceiver circuitry are interconnected;
the memory for storing a computer program; the transceiver is used for receiving and transmitting data with the scanning consumption equipment and the terminal equipment;
the processor is configured to be capable of performing the method of any one of claims 1-4.
8. A scanning consumer device, comprising: a memory, a processor, a transceiver, and a scanner;
the processor, the memory, the transceiver, and the scanner circuitry are interconnected;
the memory for storing a computer program; the transceiver is used for receiving and transmitting data with the block chain server; the scanner is used for scanning the payment code to be verified, which is shown by the terminal equipment;
the processor is configured to be capable of performing the method of claim 5 or 6.
9. A computer-readable storage medium, having stored thereon a computer program;
the computer program, when executed by a processor, implements the method of any of claims 1-4, 5 or 6.
10. A computer program product comprising a computer program, characterized in that the computer program, when executed by a processor, implements the method of any one of claims 1-4, 5 or 6.
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