CN114862387B

CN114862387B - Payment method, system and device based on credible bar code

Info

Publication number: CN114862387B
Application number: CN202210778238.1A
Authority: CN
Inventors: 佟颖
Original assignee: Chengdu Tongling Intelligent Technology Co ltd
Current assignee: Chengdu Tongling Intelligent Technology Co ltd
Priority date: 2022-07-04
Filing date: 2022-07-04
Publication date: 2022-11-04
Anticipated expiration: 2042-07-04
Also published as: CN114862387A

Abstract

The invention discloses a payment method, a system and a device based on a credible bar code, wherein a bar code display terminal acquires a credible cash collection code according to set merchant information and plays the credible cash collection code according to the display layout setting playing progress of the cash collection code; the trusted payment application takes a snapshot to display and analyze the trusted cash register code; the credible payment service platform acquires the credible bar code according to the analyzed bar code, and sends the snapshot parameters to the mobile terminal: the trusted payment application snapshottes the trusted collection code displayed on the bar code display terminal according to the snapshotting parameters and uploads the snapshotted content to the trusted payment service platform, and the trusted payment service platform initiates a verification request to the trusted bar code management platform; the trusted payment application prompts the user and initiates a payment request, and receives a payment result and returns the payment result to the mobile terminal and the bar code display terminal. The invention realizes payment of the user based on the credible bar code without additional operation, and the payment mode is the same as the payment of the traditional two-dimensional code and higher safety can be obtained.

Description

Payment method, system and device based on credible bar code

Technical Field

The invention relates to the technical field of bar code payment, in particular to a payment method, a payment system and a payment device based on a trusted bar code.

Background

The bar code such as two-dimensional code is used as a new coding mode, a certain specific geometric figure is used according to a certain rule, and black and white figures are distributed on a plane (namely, in a two-dimensional direction) to record data symbol information. With the development of mobile internet technology, bar codes are widely used in various fields as a brand-new information storage, transmission and identification technology. In practical application, different payment channels generate different barcodes according to the barcode generation rule.

Two-dimensional code payment is a new generation wireless payment scheme based on account system. Under the payment scheme, a merchant can compile transaction information such as account numbers, commodity prices and the like into a two-dimensional code, and print the two-dimensional code on carriers such as various newspapers, magazines, advertisements and books for release.

The user can scan the two-dimensional code through the mobile phone client or the merchant scans the payment code of the user by using the electronic payment tool, so that the payment settlement with the account of the merchant can be realized. And finally, the merchant can distribute the commodities according to the user receiving and contact information in the payment transaction information to finish the transaction.

In daily life, mobile phone payment has become the mainstream, and one-dimensional and two-dimensional bar codes are mainly used as media for code scanning payment in the payment process. However, the traditional one-dimensional and two-dimensional bar codes cannot solve the problem that the two-dimensional bar codes are maliciously photographed, recorded and replaced, and are easy to be utilized by a third party to generate payment security holes.

Disclosure of Invention

The invention aims to overcome the defects of the prior art and provides a payment method, a payment system and a payment device based on a trusted bar code.

The purpose of the invention is realized by the following technical scheme:

a payment method based on a trusted barcode comprises an active code scanning payment and a passive code scanning payment, wherein the active code scanning payment comprises the following steps:

s1: the credible bar code display terminal acquires a credible payment receiving code according to the set merchant information;

s2: the trusted bar code display terminal organizes the display layout of the trusted cash register code according to the design of the trusted cash register code, sets the playing progress of the trusted cash register code and starts playing the trusted cash register code;

s3: the method comprises the following steps of scanning a code for payment, wherein a trusted payment application on a mobile terminal shoots a trusted collection code displayed on a trusted bar code display terminal and analyzes a bar code;

s4: the credible payment service platform acquires the credible bar code according to the analyzed bar code, and sends the snapshot parameter of the credible bar code to the mobile terminal:

s5: the trusted payment application on the mobile terminal takes a snapshot of the trusted cash register displayed on the trusted bar code display terminal according to the snapshot parameters of the trusted method;

s6: uploading the snapshot content to a trusted payment service platform by the trusted payment application, and initiating a verification request to a trusted barcode management platform by the trusted payment service platform;

s7: the trusted payment application prompts a user to select a payment mode and payment amount, and initiates a payment request to the trusted payment service;

s8: the trusted payment service platform sends the payment information to the payment platform, initiates a payment request and receives a payment result;

s9: and returning a payment result to the mobile terminal and the trusted bar code display terminal.

Specifically, the passive code scanning payment comprises the following steps:

s21: the trusted payment application on the mobile terminal generates a personal payment function code according to the set user information, payment mode and payment account, and the generation mode comprises the following steps: combining the user information, the payment mode and the payment account number, and encrypting to generate a personal payment function code;

uploading the user information, the payment mode and the payment account number to a trusted payment service platform, and generating an encrypted personal payment function code by the trusted payment service platform or the payment platform; the personal payment function code is used for requesting a trusted payment code from the trusted payment service platform, the trusted payment service platform then requests the trusted bar code management platform to generate the trusted payment code of the user, a binding relation between data analyzed by the personal payment function code and the trusted bar code is formed on the trusted bar code management platform, and the generated trusted payment code is returned to trusted payment application of the mobile terminal;

s22: the trusted payment application on the mobile terminal organizes the display layout of the trusted payment codes according to the design of the trusted payment codes, sets the playing progress of the trusted payment codes, starts playing the trusted payment codes, checks the validity period of the trusted payment codes while playing, requests the trusted payment service platform for updating the trusted payment codes if the validity period is exceeded, and returns the updated trusted payment codes to the trusted payment application of the mobile terminal for playing;

s23: the trusted code scanning terminal sets payment amount, captures the trusted payment code displayed on the mobile terminal, extracts the bar code in the captured picture, and analyzes the bar code to obtain the analysis data of the personal payment function code;

s24: the trusted code scanning terminal uploads the analysis data of the personal payment function code to the trusted payment service platform; inquiring and acquiring a trusted bar code bound with data analyzed by the appointed personal payment function code through a trusted bar code management platform, and returning the trusted bar code to a trusted payment service platform; sending the snapshot parameters of the credible bar code to a credible code scanning terminal;

s25: the credible code scanning terminal carries out snapshot on the credible payment code displayed on the mobile terminal for specified times and time intervals according to the snapshot parameters of the credible bar code to form a snapshot picture set;

s26: the credible code scanning terminal uploads the snapshot picture set to a credible payment service platform, merchant collection information is sent to the credible payment service platform to request payment, and the credible payment service platform calculates the snapshot picture set on a credible bar code management platform by using an artificial intelligence method to form a snapshot set; then, forming a calculation snapshot set according to the credible bar code and the snapshot set time stamp; carrying out validity verification on the snapshot set, and comparing whether the snapshot set is consistent with the calculation snapshot set or not; if the legitimacy verification of the snapshot set is successful and the snapshot set and the calculation snapshot set are in consistent contrast, the verification is passed, otherwise, the verification is failed; stopping the payment process if the verification fails; returning the verification result to the trusted payment service platform;

s27: the trusted payment service platform decrypts the data of the personal payment function code, acquires user information, a payment mode and a payment account, decrypts merchant payment information, sends the user information, the payment mode, the payment account number and the decrypted merchant payment information to the payment platform, initiates a payment request, and receives a payment result returned by the payment platform;

s28: the payment platform returns a payment result to the trusted payment service platform; and the trusted payment service platform returns the payment result to the mobile terminal and the trusted code scanning terminal.

Specifically, the step S1 specifically includes: and extracting merchant information and a merchant money receiving function bar code from the trusted payment service platform, requesting a trusted money receiving code from the management platform, acquiring the trusted money receiving code and returning the trusted money receiving code to the trusted bar code display terminal.

Specifically, the step S2 specifically includes: the trusted bar code display terminal organizes the display layout of the trusted cash register code according to the design of the trusted cash register code, sets the playing progress of the trusted cash register code and starts to play the trusted cash register code; while playing, checking the validity period of the trusted payment code, and if the validity period is exceeded, requesting the trusted payment service platform to update the trusted payment code; and after the credible collection code is updated, returning the updated collection code to the credible bar code display terminal for playing.

Specifically, the step S6 specifically includes: uploading the captured picture set to a trusted payment service platform by a trusted payment application on the mobile terminal; the trusted payment service platform requests the trusted barcode management platform to check the snapshot picture set;

calculating a snapshot picture set by using an artificial intelligence method on a trusted bar code management platform to form a snapshot set, and then forming a calculation snapshot set according to a trusted bar code and a snapshot set time stamp; verifying the validity of the snapshot set, and comparing whether the snapshot set is consistent with the calculation snapshot set or not; if the snapshot set and the calculation snapshot set are consistent in comparison, the verification is passed, otherwise, the verification is failed and the payment process is terminated; and returning the verification result to the trusted payment service platform and the mobile terminal.

A payment device based on a trusted barcode is used for realizing the payment method based on the trusted barcode, and comprises a trusted barcode scanning terminal, a trusted barcode display terminal, a mobile terminal and a trusted payment service platform; the credible payment service platform is respectively connected with the credible code scanning terminal, the credible bar code display terminal and the mobile terminal; the trusted payment service platform is used for a uniform interface and providing a trusted bar code service and a mobile payment service for the mobile terminal, the trusted code scanning terminal and the trusted bar code display terminal; the mobile terminal is used for the user to obtain and display the credible payment code for payment, or scan and obtain the credible collection code displayed on the credible bar code display terminal for payment; the credible code scanning terminal is used for carrying out snapshot analysis and verification payment on the credible payment code displayed on the mobile terminal; the trusted bar code display terminal is used for receiving the trusted collection code from the trusted payment service platform, displaying and playing the trusted collection code, or receiving and displaying the played payment result from the trusted payment service platform.

Specifically, the trusted barcode display terminal comprises a CPU, and a network communication module, a voice module and a display module which are respectively connected with the CPU; the CPU is used for receiving the trusted bar code from the trusted payment service platform according to the network communication module, controlling the display module to display and play the trusted bar code, and also receiving a payment result from the trusted payment service platform according to the network communication module and controlling the voice module to broadcast voice corresponding to the payment result; the network communication module comprises a wired communication module and a wireless communication module;

the display module is used for playing and displaying the trusted payment code received from the trusted payment platform or displaying a management interface and configuration parameters of the trusted bar code display terminal;

the voice module is used for playing voice.

Specifically, the trusted code scanning terminal comprises a CPU, and an image acquisition module, a network communication module, a voice module, a sensor module, an illumination module and a display module which are respectively connected with the CPU; the CPU is used for controlling the image acquisition module to snapshot a credible payment code displayed on the mobile terminal, and positioning and analyzing an easily-identified bar code; the CPU is also used for receiving snapshot parameters corresponding to the credible payment codes from the credible payment service platform according to the easily recognized barcode data analyzed by the network communication module, controlling the image acquisition module to snapshot the credible payment codes displayed on the mobile terminal according to a set time interval and times, uploading a snapshot picture set to the credible payment service platform through the network communication module, requesting verification and payment, receiving a payment result, and controlling the voice module to broadcast voice corresponding to the payment result;

the network communication module is a wired communication module and a wireless communication module;

the sensor module is used for reading whether an object exists in front of the image acquisition module of the credible code scanning terminal, measuring the distance between the object and the credible code scanning terminal, controlling the switch of the lighting module and supplementing light;

the lighting module comprises a plurality of groups of lighting modules and is used for supplementing light to a screen of the mobile terminal;

the display module is used for playing and displaying the trusted payment code received from the trusted payment platform or displaying a management interface and configuration parameters of the trusted barcode code scanning terminal.

On the basis of the payment method and the payment device, the invention also designs a payment system based on the credible bar code, which comprises a credible payment service platform, a credible code scanning terminal, a credible bar code display terminal, a mobile terminal, a credible bar code management platform, a payment platform and an identity authentication platform; the credible payment service platform is respectively connected with a credible code scanning terminal, a credible bar code display terminal, a mobile terminal, a credible bar code management platform, a payment platform and an identity authentication platform; the trusted barcode management platform is used for creating and updating a trusted barcode, and storing the trusted barcode, a trusted method, an encryption element and a trusted barcode verification program.

Specifically, the trusted barcode management platform consists of a trusted barcode creating module, a trusted barcode storage module, a trusted barcode updating module, a trusted barcode library, a trusted method library, an encryption element library and a trusted barcode verification program;

the trusted bar code creation module is used for generating a trusted bar code, determining the planar layout of the trusted bar code, creating or acquiring data of a coding region, determining the generation time and the validity period of the trusted bar code, and randomly selecting a trusted method;

the trusted bar code storage module is used for managing the trusted bar code library, storing the created or updated trusted bar code, reading the trusted bar code for equipment verification when the trusted bar code verification device requests verification of the trusted bar code, and deleting or transferring data when the trusted bar code is invalid, overdue or receives service requirements;

the trusted bar code updating module is used for updating the data of the trusted bar code;

the trusted bar code library is used for storing the created trusted bar codes.

The invention has the beneficial effects that: the invention adopts the credible bar code technology to generate the credible collection code and the credible payment code, and realizes active payment and passive payment based on the credible collection code and the credible payment code, thereby improving the payment safety. Meanwhile, the credible bar code is applied to a payment scene, so that the safety problem that one-dimensional bar codes and two-dimensional bar codes are easy to copy and replace is solved, before payment, the credible bar code is verified at first, payment is initiated after verification is successful, when a user uses the credible bar code for payment, no extra operation is needed, and higher safety can be obtained by adopting the same payment mode as that of the traditional two-dimensional bar code payment.

Drawings

FIG. 1 is a flow diagram of an active code-scanning payment process of the present invention;

FIG. 2 is a flow diagram of trusted checkout code generation;

FIG. 3 is a flow diagram of a specific example of active code scanning payment;

FIG. 4 is a passive swipe code payment flow diagram;

FIG. 5 is a flow diagram of a specific example of passive code scanning payment;

FIG. 6 is a diagram of a trusted barcode display terminal architecture;

FIG. 7 is an architecture diagram of an authentic code-scanning terminal solution;

FIG. 8 is a diagram of a second architecture of a trusted code-scanning terminal scheme;

fig. 9 is a system architecture diagram.

Detailed Description

The following detailed description will be selected to more clearly understand the technical features, objects and advantages of the present invention. It should be understood that the embodiments described are illustrative of some, but not all embodiments of the invention, and are not to be construed as limiting the scope of the invention. All other embodiments that can be obtained by a person skilled in the art based on the embodiments of the present invention without any inventive step are within the scope of the present invention.

The first embodiment is as follows:

in this embodiment, a payment method based on a trusted barcode includes an active code scanning payment and a passive code scanning payment. As shown in fig. 1, the active code scanning means that a merchant uses a "trusted bar code display terminal" to display a trusted cash register code, a consumer scans the trusted cash register code by using a trusted payment application on a mobile terminal, the trusted payment application on the mobile terminal uploads the scanned trusted cash register code to a trusted payment service platform, the trusted payment service platform verifies the trusted cash register code, and after the verification is successful, the trusted payment application on the mobile terminal prompts a user to select a payment mode and a payment amount for payment. The active code scanning payment process comprises the following steps:

s1: and the credible bar code display terminal acquires the credible payment code according to the set merchant information.

The credible bar code display terminal is internally provided with a merchant ID, and merchant information and a merchant cash-receiving function bar code can be extracted from the credible payment service platform through the merchant ID. The merchant information includes: merchant ID, merchant name, account number, settlement rate, merchant address, contact phone, etc.

Merchant collection function bar code: it may be a one-dimensional bar code, a two-dimensional bar code, or other easily identifiable code. The bar code may be a fixed bar code generated by the merchant information according to rules, or a dynamic bar code generated by the merchant information according to rules and bound with the merchant ID.

The content of the merchant collection function bar code can be a string of any character string or a website. The merchant payment receiving function bar code can be encrypted data, and is uploaded to the credible payment service platform, and relevant data is extracted through decryption and analysis.

As shown in fig. 2, a request is made to the trusted barcode management platform to generate a trusted cash register code, a binding relationship between data decrypted and analyzed by the merchant cash register function barcode and the trusted barcode is formed on the trusted barcode management platform, and the generated trusted cash register code is returned to the trusted barcode display terminal.

S2: and the credible bar code display terminal plays the credible cash collection code.

The trusted bar code display terminal organizes the display layout of the trusted cash register codes according to the design of the trusted cash register codes, sets the playing progress of the trusted cash register codes and starts playing.

And while playing, checking the validity period of the credible payment code, and if the validity period is exceeded, requesting the credible payment service platform to update the credible payment code.

The trusted payment service platform requests the trusted barcode management platform for updating the trusted collection code, and the trusted collection code is returned to the trusted barcode display terminal for playing after being updated.

S3: and (4) scanning the code for payment, wherein the trusted payment application on the mobile terminal shoots the trusted collection code displayed on the trusted bar code display terminal and analyzes the bar code.

And the mobile terminal scans the payment code, the trusted payment application on the mobile terminal captures the trusted collection code on the payment bar code display terminal, the bar code in the picture is extracted, and the bar code is analyzed to obtain the merchant collection function bar code.

The mobile terminal needs to perform identity verification before payment code scanning, and the identity verification mode comprises the following steps: face authentication, fingerprint authentication, etc., and other methods by which the identity of a user may be authenticated. If the authentication fails, the payment operation cannot be performed.

S4: and the credible payment service platform acquires the credible bar code according to the analyzed bar code and sends the snapshot parameter of the credible bar code to the mobile terminal.

And uploading the merchant collection function bar code to a trusted payment service platform, and extracting relevant data through decryption and analysis.

And querying a trusted bar code bound with the data decrypted and analyzed by the bar code with the payment function of the specified merchant on the trusted bar code management platform, and returning the snapshot parameters of the trusted bar code to the mobile terminal.

S5: and the trusted payment application on the mobile terminal takes a snapshot of the trusted cash register displayed on the trusted bar code display terminal according to the snapshot parameters of the trusted method.

And the trusted payment application on the mobile terminal carries out snapshot on the trusted collection code on the trusted bar code display terminal for specified times according to the time interval and the snapshot times designed by the snapshot parameters, so as to form a snapshot picture set.

S6: and uploading the snapshot content to a trusted payment service platform by the trusted payment application on the mobile terminal, and initiating a verification request to the trusted barcode management platform by the trusted payment service platform.

And uploading the snapshot picture set to a trusted payment service platform by the trusted payment application on the mobile terminal, and requesting the trusted barcode management platform to check the snapshot picture set by the trusted payment service platform.

And calculating the snapshot picture set by using an artificial intelligence method on a trusted bar code management platform to form a snapshot set. And forming a calculation snapshot set according to the credible bar code and the snapshot set time stamp.

And carrying out validity verification on the snapshot set, and comparing whether the snapshot set is consistent with the calculation snapshot set.

And if the consistency verification of the snapshot set is successful and the comparison between the snapshot set and the calculation snapshot set is consistent, the verification is passed, otherwise, the verification is failed. And if the verification fails, the payment process is terminated, and the verification result is returned to the trusted payment service platform and the mobile terminal.

S7: the trusted payment application on the mobile terminal prompts the user to select a payment mode and payment amount and initiates a payment request to the trusted payment service.

And after the verification of the credible cash register code is successful, the credible payment application prompts the user to select a payment mode and payment amount.

The user selects a payment mode and the amount of payment on a trusted payment application on the mobile terminal to request payment.

The payment method comprises the following steps: account payments, bank card payments, etc. And the mobile terminal sends the payment information to the trusted payment service platform. The payment information includes: the merchant receives an account number, a payment mode, a payment account number, a payment amount and the like. The payment information can be encrypted and then sent to the trusted payment service platform.

S8: the trusted payment service platform sends the payment information to the payment platform, initiates a payment request and receives a payment result.

And the trusted payment service platform decrypts the payment information sent by the mobile terminal. The payment information includes: the method comprises the steps of a merchant collection account number, a payment mode, a payment account number and payment amount. The trusted payment service platform sends the payment information to the payment platform, initiates a payment request, and receives a payment result returned by the payment platform.

S9: and returning a payment result to the mobile terminal and the credible bar code display terminal.

And the payment platform returns a payment result to the credible payment service platform, and the credible payment service platform returns the payment result to the mobile terminal and the credible bar code display terminal.

As shown in fig. 3, in the process of code scanning for payment, a trusted payment application may also be used to locally analyze a trusted cash register to upload data to initiate a verification request, where the contents of steps S11 to S19 are the same as those of steps S1 to S9, and are not described herein again. The process of the trusted payment application for locally resolving the trusted cash register is as follows:

s13', the trusted payment application takes a snapshot of the trusted cash register displayed on the trusted barcode display terminal according to the default snapshot parameters. The default snapshot parameters can be set by the platform, for example, the snapshot is performed twice at an interval of one second, after the default snapshot parameters are set, the trusted payment application can directly perform snapshot and processing according to the snapshot parameters when performing payment code scanning, the flow and the time are saved, and the efficiency is improved. And the trusted payment application on the mobile terminal snapshottes the trusted collection code on the payment bar code display terminal according to the default snapshotting parameters.

The mobile terminal needs to perform identity verification before payment code scanning, and the identity verification mode comprises the following steps: face authentication, fingerprint authentication and other methods capable of authenticating the identity of a user, and if the authentication fails, the payment operation cannot be performed.

S14', the trusted payment application analyzes the trusted collection code, and successfully analyzes the bar code data.

And the credible payment application on the mobile terminal analyzes the plurality of captured pictures, extracts the bar codes in the pictures, and analyzes the bar codes to obtain the merchant money collection function bar codes. If the bar code of the merchant payment receiving function is not analyzed, the user is prompted to 'no found payment receiving code', and the payment process is terminated.

S15', the trusted payment application uploads the analyzed bar code data and the snapshot content to the trusted payment service platform, and the trusted payment service platform initiates a verification request to the trusted bar code management platform.

And the credible payment application on the mobile terminal transmits the analyzed merchant collection function bar code and the captured picture set to a credible payment service platform. The credible payment service platform decrypts and analyzes the merchant payment function bar code to extract relevant data. The credible payment service platform uploads the data decrypted and analyzed by the merchant payment function bar code and the captured picture set to a credible bar code management platform to request the credible payment code verification.

And querying the trusted bar code bound with the data decrypted and analyzed by the bar code with the payment function of the specified merchant on the trusted bar code management platform.

And the trusted barcode management platform checks the snapshot picture set. And calculating the snapshot picture set by using an artificial intelligence method on a trusted bar code management platform to form a snapshot set. And forming a calculation snapshot set according to the credible bar code and the snapshot set time stamp. And carrying out validity verification on the snapshot set, and comparing whether the snapshot set is consistent with the calculation snapshot set. And if the consistency verification of the snapshot set is successful and the comparison between the snapshot set and the calculation snapshot set is consistent, the verification is passed, otherwise, the verification is failed. If the verification fails, the payment process is terminated. And returning the verification result to the trusted payment service platform and the mobile terminal.

In this embodiment, the passive code scanning payment means that a consumer opens a trusted payment code of a trusted payment application on a mobile terminal, the trusted code scanning terminal identifies the trusted payment code, the trusted code scanning terminal uploads the scanned trusted payment code to a trusted payment service platform, the trusted payment service platform verifies the trusted payment code, and payment is performed after verification is successful. As shown in fig. 4, the passive code scanning payment process is as follows:

s21: and the trusted payment application on the mobile terminal requests the trusted payment code from the trusted payment service platform according to the set user information, payment mode and bank card.

Personal payment function code: is a bar code generated by personal payment information according to rules, and the bar code is bound with a personal user ID. The personal payment information includes: user information, payment method, payment account (bank card), etc. The personal payment function code can be a string of any character string or a website, and can be encrypted data.

And uploading the personal payment function code to a trusted payment service platform, and extracting relevant data through decryption and analysis.

And then requesting the trusted bar code management platform to generate a trusted payment code, forming a binding relationship between the data decrypted and analyzed by the personal payment function code and the trusted bar code on the trusted bar code management platform, and returning the generated trusted collection code to the trusted payment application of the mobile terminal.

Before the mobile terminal generates the credible payment code, authentication is needed, and the authentication mode comprises the following steps: face authentication, fingerprint authentication, etc., and other methods by which the identity of a user may be authenticated. If the authentication fails, the payment operation cannot be performed.

S22: the trusted payment application on the mobile terminal plays the trusted payment code.

And the trusted payment application on the mobile terminal organizes the display layout of the trusted payment code according to the design of the trusted payment code, sets the playing progress of the trusted payment code and starts playing. And while playing, checking the validity period of the trusted payment code, and if the validity period is exceeded, requesting the trusted payment service platform for updating the trusted payment code.

And the trusted payment service platform requests the trusted payment code to be updated from the trusted bar code management platform, and the updated trusted payment code is returned to the trusted payment application of the mobile terminal for playing.

S23: the trusted code scanning terminal sets payment amount, captures the trusted payment code displayed on the mobile terminal and analyzes the bar code.

The trusted code scanning terminal sets payment amount, and a user puts a trusted payment code which is played on the mobile terminal in front of a code scanning port of the trusted code scanning terminal to pay and scan the code.

The credible code scanning terminal captures a credible payment code on the mobile terminal, extracts a bar code in the picture, and analyzes the bar code to obtain a personal payment function code.

S24: and the credible payment service platform acquires the credible bar code according to the analyzed bar code and sends the snapshot parameter of the credible bar code to the credible code scanning terminal.

And uploading the personal payment function code to a trusted payment service platform, and extracting relevant data through decryption and analysis. And querying a trusted bar code bound with the data decrypted and analyzed by the appointed personal payment function code on a trusted bar code management platform. And returning the credible bar code to the credible payment service platform, and returning the snapshot parameter of the credible bar code to the credible code scanning terminal.

S25: and the credible code scanning terminal carries out snapshot on the credible payment code displayed on the mobile terminal according to the snapshot parameters of the credible method.

And the credible code scanning terminal carries out snapshot of the credible payment code on the mobile terminal for specified times according to the time interval and the snapshot times designed by the snapshot parameters to form a snapshot picture set.

S26: and the trusted code scanning terminal uploads the snapshot content to a trusted payment service platform and initiates a payment request. And the trusted payment service platform initiates a verification request to the trusted bar code management platform.

The credible code scanning terminal uploads the snap-shot picture set to the credible payment service platform, and meanwhile, the credible code scanning terminal sends merchant payment information to the credible payment service platform to request payment. The merchant payment information comprises: the merchant ID, the account number to be collected, the payment amount and the personal payment function code. The merchant payment information can be encrypted and then sent to the trusted payment service platform.

The trusted payment service platform requests the trusted barcode management platform to check the snapshot picture set, and the snapshot picture set is calculated on the trusted barcode management platform by using an artificial intelligence method to form a snapshot set. And forming a calculation snapshot set according to the credible bar code and the snapshot set time stamp. And verifying the validity of the snapshot set, and comparing whether the snapshot set is consistent with the calculation snapshot set. And if the consistency verification of the snapshot set is successful and the comparison between the snapshot set and the calculation snapshot set is consistent, the verification is passed, otherwise, the verification is failed. If the verification fails, the payment process is terminated. And returning the verification result to the trusted payment service platform.

S27: the trusted payment service platform initiates a payment request to the payment platform:

the trusted payment service platform sends the merchant payment information to the payment platform to request payment.

And the trusted payment service platform decrypts the merchant payment information. The merchant payment information includes: the merchant ID, the account number to be collected, the payment amount and the personal payment function code. Personal payment function code: the bar code is generated by personal payment information according to rules, the bar code is bound with a personal user ID, and the personal payment information comprises: user information, payment method, bank card, etc.

And receiving a payment result returned by the payment platform.

S28: and returning a payment result to the mobile terminal and the credible code scanning terminal. And the payment platform returns a payment result to the credible payment service platform, and the credible payment service platform returns the payment result to the mobile terminal and the credible code scanning terminal.

As shown in fig. 5, in the passive code scanning payment process, the trusted payment application may also be used to upload the parameter and initiate the verification request in a manner of locally analyzing the trusted payment code, and the process specifically includes: s23', the payment amount is set by the credible code scanning terminal, and the credible payment code displayed on the mobile terminal is snapshot according to the default snapshot parameters.

The trusted code scanning terminal sets payment amount, and a user puts a trusted payment code playing on the mobile terminal in front of a code scanning port of the trusted code scanning terminal to pay and scan the code. And the trusted code scanning terminal snapshottes the trusted payment code on the mobile terminal according to the default snapshotting parameters.

S24', the credible code scanning terminal analyzes the credible payment code and successfully analyzes the barcode data. The trusted code scanning terminal analyzes the captured pictures, extracts the bar codes in the pictures, analyzes the bar codes and obtains the personal payment function codes.

If the personal payment function code is not analyzed, the user is prompted to 'no finding the payment code', and the payment process is terminated.

And S25', uploading the analyzed bar code data and the snapshot content to a trusted payment service platform by the trusted code scanning terminal, and issuing a payment request. And the trusted payment service platform initiates a verification request to the trusted barcode management platform.

And the credible code scanning terminal transmits the analyzed merchant collection information, the personal payment function code and the captured picture set to a credible payment service platform to request payment.

The merchant payment information comprises: merchant ID, account number, payment amount and personal payment function code.

The merchant payment information can be encrypted and then sent to the trusted payment service platform. The trusted payment service platform decrypts and analyzes the personal payment function code and extracts the related data. And the trusted payment service platform uploads the data decrypted and analyzed by the personal payment function code and the captured picture set to the trusted bar code management platform to request for verification of the trusted payment code.

And querying a trusted bar code bound with the data decrypted and analyzed by the appointed personal payment function code on the trusted bar code management platform.

And the trusted barcode management platform checks the snapshot picture set. And calculating the snapshot picture set on the trusted bar code management platform by using an artificial intelligent method to form a snapshot set. And forming a calculation snapshot set according to the credible bar code and the snapshot set time stamp. And carrying out validity verification on the snapshot set, and comparing whether the snapshot set is consistent with the calculation snapshot set. And if the consistency verification of the snapshot set is successful and the comparison between the snapshot set and the calculation snapshot set is consistent, the verification is passed, otherwise, the verification is failed. And if the verification fails, the payment process is terminated, and the verification result is returned to the trusted payment service platform.

Example two:

in this embodiment, to implement the method of the first embodiment, a payment device based on a trusted barcode is provided, and includes a trusted barcode scanning terminal, a trusted barcode display terminal, a mobile terminal, and a trusted payment service platform. The credible payment service platform is respectively connected with the credible code scanning terminal, the credible bar code display terminal and the mobile terminal. The trusted payment service platform is used for a uniform interface and providing a trusted bar code service and a mobile payment service for the mobile terminal, the trusted code scanning terminal and the trusted bar code display terminal. The mobile terminal is used for the user to obtain and display the credible payment code for payment, or scan and obtain the credible collection code displayed on the credible bar code display terminal for payment. The credible code scanning terminal is used for capturing, analyzing and verifying payment of the credible payment code displayed on the mobile terminal. The trusted bar code display terminal is used for receiving the trusted collection code from the trusted payment service platform, displaying and playing the trusted collection code, or receiving and displaying the played payment result from the trusted payment service platform.

As shown in fig. 6, the trusted barcode display terminal includes a CPU, a network communication module, a voice module, and a display module, which are respectively connected to the CPU.

The CPU is used for receiving the credible bar code from the credible payment service platform according to the network communication module, controlling the display module to display and play the credible bar code, and also receiving the payment result from the credible payment service platform according to the network communication module and controlling the voice module to broadcast the voice corresponding to the payment result.

The network communication module is a wired and wireless communication module.

The display module is used for playing and displaying the credible cash register code received from the credible payment platform, and can also display a management interface of the credible bar code display terminal for parameter configuration and the like.

The voice module is used for playing voice, and the voice comprises: scanning the trusted collection code at the mobile terminal, and playing prompt voice of successful payment and sum after successful payment; after the parameter configuration is finished, playing the voice of the set parameter value; other settings play the voice.

In this embodiment, two design schemes are provided for a hardware architecture of the trusted code scanning terminal, which specifically include:

the first scheme comprises the following steps: as shown in fig. 7, the trusted code scanning terminal includes a CPU, an image acquisition module, a network communication module, and a voice module, which are respectively connected to the CPU. Wherein

The CPU is used for controlling the image acquisition module to snapshot the credible payment code displayed on the mobile terminal, and positioning and analyzing the easily identified bar code;

the CPU is also used for receiving snapshot parameters corresponding to the credible payment codes from the credible payment service platform according to the easily-identified bar code data analyzed by the network communication module, controlling the image acquisition module to snapshot the credible payment codes displayed on the mobile terminal according to the set time interval and times, uploading a snapshot picture set to the credible payment service platform through the network communication module, and requesting verification and payment.

The CPU can also control the image acquisition module to snapshot the trusted payment code displayed on the mobile terminal according to the set time interval and times according to the default snapshot parameters, upload the snapshot picture set to the trusted payment service platform through the network communication module, and request verification and payment.

The CPU can also receive the payment result from the trusted payment service platform according to the network communication module, and controls the voice module to broadcast the voice corresponding to the payment result.

The network communication module is a wired and wireless communication module.

The speech includes: after the payment service platform successfully verifies and pays the credible payment code, playing prompt voice of successful payment and amount; after the parameter configuration is finished, playing the voice of the set parameter value; other settings play the voice.

A sensor module: the device comprises an image acquisition module, a lighting module switch and a light supplementing module, wherein the image acquisition module is used for reading whether an object (a mobile terminal) exists in front of the image acquisition module of the credible code scanning terminal or not and the distance of the object, and controlling the lighting module switch to supplement light.

An illumination module: the mobile terminal comprises a plurality of groups of lighting modules for supplementing light to a screen of the mobile terminal.

Scheme II: as shown in fig. 8, the present solution adds a display module on the basis of the first solution. The display module is used for displaying the payment result and also displaying a management interface of the credible code scanning terminal for parameter configuration and the like.

Example three:

in this embodiment, on the basis of the first embodiment and the second embodiment, a payment system based on a trusted barcode is further provided, and as shown in fig. 9, the system includes a trusted payment service platform, a trusted barcode scanning terminal, a trusted barcode display terminal, a mobile terminal, a trusted barcode management platform, a payment platform, and an identity authentication platform. The credible payment service platform is respectively connected with the credible code scanning terminal, the credible bar code display terminal, the mobile terminal, the credible bar code management platform, the payment platform and the identity authentication platform.

The trusted payment service platform is in butt joint with the trusted barcode management platform, the payment platform and the identity authentication platform, provides a uniform interface, and provides standardized services for the mobile terminal, the trusted barcode scanning terminal and the trusted barcode display terminal. The interfaces of the trusted payment service platform comprise a trusted payment code acquisition interface, a trusted collection/payment code verification interface, a collection/payment function bar code interface, an identity authentication interface, a passive code scanning payment interface and an active code scanning payment interface. The work flow of the trusted payment service platform specifically comprises the following steps:

1. and (3) active code scanning payment process:

1.1 trusted bar code display terminal.

And calling the trusted cash register code acquisition interface by the trusted bar code display terminal to request the trusted cash register code. Calling a 'bar code interface with a collection/payment function' to obtain a bar code with a collection function, wherein the bar code with the collection function is as follows: one-dimensional bar code, two-dimensional bar code or other easily-identified code and collection function bar code

A collection function bar code is used, a trusted bar code creation module is used for requesting the trusted bar code management platform to create a trusted collection code, if the trusted collection code matched with the collection function bar code does not exist, a new trusted collection code is created, the collection function code, the trusted collection code and the matching relation between the collection function code and the trusted collection code are stored, and successful creation is returned; otherwise, directly returning the creation success.

And reading the credible collection code matched with the collection function code, and returning the credible collection code to the credible bar code display terminal.

And the credible bar code display terminal sets the playing progress, judges the validity period and plays and displays the credible cash register code.

And if the trusted cash register code exceeds the validity period, the trusted bar code display terminal requests to update the trusted cash register code.

1.2 trusted payment application of mobile terminal:

the trusted payment application of the mobile terminal comprises two processes, wherein the first process specifically comprises the following steps: and the credible payment application is used for snapshotting the played credible collection code and analyzing the collection function bar code in the credible collection code.

And reading the corresponding credible collection code from the credible bar code management platform by using the collection function bar code, and sending the snapshot parameter of the credible collection code to the credible payment application.

And the credible payment application carries out snapshot of the credible collection code which is being played for a specified time interval and times according to the snapshot parameters.

The trusted payment application transmits the captured picture to a trusted payment receiving/payment code verification interface of the trusted payment service platform, and verification is carried out by calling a trusted bar code analysis module, a calculation module and a comparison module of the trusted bar code management platform.

The second process specifically comprises the following steps: and the credible payment application snapshottes the played credible cash collection code according to the default snapshotting parameters and analyzes the cash collection function bar code in the credible cash collection code. The credible payment application transmits the analyzed bar code with the collection function and the captured picture to a credible collection/payment code verification interface of a credible payment service platform, and verification is carried out by calling a credible bar code reading, analyzing, calculating and comparing module of a credible bar code management platform.

And returning a bar code verification result to a trusted payment application on the mobile terminal, calling an identity authentication interface of a trusted payment service platform by the trusted payment application, calling a third-party identity authentication platform to authenticate the user, and ensuring the corresponding relation among the user, the mobile terminal and a payment account number, wherein the authentication modes can comprise various modes such as face authentication, mobile phone number authentication, fingerprint authentication, password authentication and the like.

The trusted payment application selects a payment method and a payment amount and requests payment. And the payment request calls a corresponding payment interface of the third-party payment platform to complete payment by calling the active code scanning payment interface of the trusted payment application.

And the trusted payment service platform returns the payment result to the trusted bar code display terminal and the trusted payment application.

2. Passive code scanning payment process:

2.1 trusted payment application of mobile terminal. The trusted payment application calls an identity authentication interface of the trusted payment service platform and calls a third-party identity authentication platform to authenticate the user, so that the corresponding relation among the user, the mobile terminal and the payment account is ensured, the authentication modes can comprise various modes such as face authentication, mobile phone number authentication, fingerprint authentication, password authentication and the like, and the payment process is ended when the authentication fails.

The trusted payment application sets the payment method. The trusted payment application calls a trusted payment code acquisition interface of the trusted payment service platform to request the trusted payment code

Calling a 'bar code interface with payment/receipt function' to obtain a bar code with payment function, wherein the bar code with payment function is as follows: one-dimensional bar codes, two-dimensional bar codes, or other easily identifiable codes.

Using the payment function bar code, calling a trusted bar code creation module, requesting to create a trusted payment code from a trusted bar code management platform, if the trusted payment code matched with the payment function bar code does not exist, creating a new trusted payment code, storing the payment function code, the trusted payment code and the matching relationship between the payment function code and the trusted payment code, and returning to the successful creation; otherwise, directly returning the creation success.

And reading the credible payment code matched with the payment function code, and returning the credible payment code to the credible payment application.

The trusted payment application sets the playing progress, judges the validity period and plays and displays the trusted payment code.

The trusted payment application requests an update of the trusted payment code if the trusted payment code exceeds the validity period.

2.2 trusted code scanning terminal.

The merchant can preset the amount of money to be collected at the credible code scanning terminal, and the credible code scanning terminal detects the mobile terminal through the sensor and controls the lighting module to supplement light. The work flow of the terminal specifically comprises the following two flows:

the first process is as follows: the credible code scanning terminal shoots the played credible payment code and analyzes the payment function bar code in the credible payment code.

And reading the corresponding credible payment code from the credible bar code management platform by using the payment function bar code, and sending the snapshot parameter of the credible payment code to the credible code scanning terminal.

And the credible code scanning terminal carries out snapshot of the credible payment code which is being played at a specified time interval and times according to the snapshot parameters.

And the trusted code scanning terminal transmits the captured picture to a trusted payment receiving/paying code verification interface of the trusted payment service platform, and calls a scanned code payment interface to request payment.

And a second process: the credible code scanning terminal captures the played credible payment code according to the default capturing parameters and analyzes the payment function bar code in the credible payment code.

And the credible code scanning terminal transmits the analyzed payment function bar code and the snapshot picture to a credible receiving/payment code verification interface of the credible payment service platform, calls a scanned code payment interface and requests for payment.

The trusted payment/receipt code verification interface verifies by calling a trusted bar code reading, analyzing, calculating and comparing module of the trusted bar code management platform. And if the verification of the trusted payment code is successful, the payment service platform initiates payment. And the payment request calls a corresponding payment interface of the third-party payment platform to complete payment by calling the active code scanning payment interface of the trusted payment application.

And the trusted payment service platform returns the payment result to the trusted code scanning terminal and the trusted payment application.

In the embodiment, the payment platform and the identity authentication platform are third service platforms, the functions of the platforms are all existing, and the trusted barcode management platform comprises a trusted barcode creating module, a trusted barcode storage module, a trusted barcode updating module, a trusted barcode library, a trusted method library, an encryption element library and a trusted barcode verification program;

the trusted bar code creating module is used for generating a trusted bar code, determining the planar layout of the trusted bar code, creating or acquiring data of a coding region, determining the generation time and the validity period of the trusted bar code, and randomly selecting a trusted method;

the trusted bar code library is used for storing the created trusted bar codes, including the trusted collection codes and the trusted payment codes.

In the embodiment, the trusted collection code and the trusted payment code are realized by adopting a trusted bar code technology, a coding region, an encryption region, a playing and display layout mode and a verification method of the trusted bar code are defined in the trusted bar code, the trusted bar code is displayed on a terminal and presented to trusted bar code verification equipment or application, and the trusted bar code verification equipment or application judges the validity of the trusted bar code by capturing and verifying the trusted bar code and executes corresponding business service.

The generation time defines the creation time of the credible bar code; the validity period defines the life cycle of the trusted barcode, and the validity period is less than or equal to the time of the trusted barcode continuously changing calculated according to the playing method and the time interval in the trusted method, and can be calculated by a formula: generating time + validity period > current time to judge whether the credible bar code is expired. And (3) encoding: consists of recognizable code and additional code. The recognizable codes are one-dimensional bar codes, two-dimensional bar codes or other codes which can be rapidly recognized; the additional code is identifiable content as an extension of the code. The code can be generated by the service system, can also be generated by the trusted bar code management platform and is transmitted back to the service system, and can be used as a service ID of the service system. The additional code is identified and extracted by artificial intelligence and can be used as the extended information of a service system.

Trusted bar code plane layout: the plane structure of the credible bar code is defined, including the contents of position, size, mutual relation and the like, and the layout determines the specific presentation and the plane structure of the credible bar code on the terminal.

The trusted method defines the set and position of elements displayed in the encryption region, and the method that the encryption region is continuous along with the time and can not be changed reversely.

The display page of the credible bar code comprises an identifiable code, a continuously-changing identifiable encryption area, and the identifiable code and the encryption area have a corresponding relation. The trusted bar code defines a dynamic display and verification method that can identify the combination of the coding and encryption areas. The validity, safety and credibility of the credible bar code can be ensured by multiple verification methods such as verification codes, time, encryption elements and the like. Wherein, the recognizable code is a code that can be recognized quickly, such as: one-dimensional bar codes, two-dimensional bar codes, and the like. The encryption area comprises elements such as time, patterns, characters, positions, colors, shapes, lines, pictures and the like, and the elements in the encryption area continuously change along with the time, and the change is time-dependent, non-repetitive, irreversible and identifiable.

The encryption area is composed of two parts, namely a first encryption area and a second encryption area. The first encryption zone has only time elements, the time automatically flows, and the frequency of the flow can be accurate to seconds or milliseconds. The first encryption area is a necessary option and cannot be null. The time is the acquired trusted barcode management platform time. The time format and the streaming frequency are defined by a trusted method.

The second encryption area is a user-defined encryption area, is an area for displaying and playing the encryption elements and is defined by a trusted method. The second encryption zone is displayed and played according to a credible method, thereby forming the continuous, unrepeatable, irreversible and identifiable change of the encryption zone.

In this embodiment, the trusted method defines an encryption element set, an encryption element layout, a playing method, a time format, and a time interval. Namely, the element set and the element change rule of the encryption area display, and the relative position and relationship between the elements are defined.

According to the design of the credible method, the state of a certain time point in the validity period of the credible bar code can be calculated by taking the generation time of the credible bar code as a starting point, and a calculation snapshot of the time point is formed. Encryption element set [ n ]: representing a trusted method that contains n sets of cryptographic elements. Each set of cryptographic elements may be composed of elements of any nature.

Set of encrypted elements element group: encryption elements in element groups are defined, an element group being composed of a plurality of encryption elements. Such as: element group { encryption element 1, \8230;, encryption element n }.

Layout, which defines a plurality of position information and the corresponding relationship between the encryption element and a plurality of positions. Each position can also define attributes such as coordinates, shapes, sizes, colors and the like.

The method defines the method for transforming the encryption element set according to time and is realized by defining the rule of changing 'encryption element set, element group' and 'encryption element set, layout'. I.e. the way in which the specific properties of the set of cryptographic elements (such as the content, location, color, etc.) change over time.

Each encryption element set can have different playing methods, and a plurality of encryption element sets can be controlled to change simultaneously during playing.

Encryption element set, interval: the time interval of playing the encryption element set is defined, and the multiple groups of encryption elements can be changed according to the respective independent time intervals.

Time format: two attributes are included: temporal format refers to temporal precision. The time format and the time precision of the display of the first encryption area are defined, and the time precision can be as accurate as seconds or milliseconds.

Snapshot parameters: two attributes are included: snapshot intervals and snapshot times. The snapshot interval time and the snapshot times of the trusted bar code verification device for snapshot of the trusted bar code are defined.

The snapshot interval time and the snapshot times are related to the minimum time interval of the change of the encryption area, and the minimum time interval of the change of the encryption area can be calculated according to the time precision, the time interval and the playing method of the credible method. The number of snapshots is related to the traffic demand.

In this embodiment, the trusted barcode planar layout defines a planar structural layout of the trusted barcode, and defines the size and relative position relationship of the code, the additional code, the first encryption area and the second encryption area.

The verification method of the credible bar code comprises the following steps:

s1, a requester sends a trusted bar code display request or a trusted bar code updating request to a trusted bar code management platform through a mobile phone application/display terminal;

s2, the trusted barcode management platform responds according to the trusted barcode display request or the trusted barcode update request, and issues the requested trusted barcode to the mobile phone application/display terminal;

s3, playing the credible bar code, wherein the mobile phone application/display terminal displays and plays the credible bar code according to the content of the credible bar code after acquiring the issued credible bar code, and displays the credible bar code to credible bar code verification equipment or application;

s4, snapshot of the trusted bar code, wherein the trusted bar code verification equipment or application conducts multiple snapshot on a screen of a terminal playing the trusted bar code and processes a snapshot picture;

and S5, verifying the credible bar code, carrying out artificial intelligent identification on the processed snapshot picture, generating a snapshot set, carrying out validity judgment on the credible bar code, simultaneously generating a calculation snapshot set according to the snapshot set, carrying out snapshot comparison, and completely matching, wherein if the verification is passed, otherwise, the verification process is ended.

In this embodiment, when a user sends a trusted barcode request, it is first determined whether a requested trusted barcode exists in the trusted barcode library, and if not, a trusted barcode is generated and sent to a requester. If the credible bar code exists, the inquired credible bar code is directly issued to the requester.

In this embodiment, the trusted barcode generation process is as follows:

encoding and additional code generation: the code and the additional code can be generated by the service system according to the service logic of the service system, or can be generated by the trusted bar code management platform and then returned to the service system, and are unified identifications of the service system and the trusted bar code management platform, and the trusted bar code is inquired in the trusted bar code library through the code.

Selecting a credible method: randomly or randomly selecting a credible method according to classification in the credible method library to serve as the credible method of the credible bar code, so that the randomness and unpredictability of the selected credible method can be ensured, and the credible bar code is ensured to be not cracked.

Determining the validity period: and determining the validity period of the trusted bar code according to the trusted method, wherein the validity period is less than or equal to the time of the trusted bar code continuously changing calculated according to the playing method and the time interval in the trusted method.

Determining a credible bar code plane layout: according to business requirements and a credible method, determining the layout of a credible bar code, and determining the sizes and positions of a first encryption area, a second encryption area, a code and an additional code.

Determining a generation time: and determining the current time of the trusted barcode management platform as the generation time of the trusted barcode.

Warehousing a trusted bar code library: after the trusted bar code is generated, the trusted bar code needs to be added into a trusted bar code library for operations such as query and verification.

In this embodiment, after the validity period of the trusted barcode is exceeded, the trusted barcode needs to be updated. The process of updating the credible bar code is as follows:

selecting a credible method: and randomly selecting a trusted method in the trusted method library again or randomly according to the classification.

Determining a credible bar code plane layout: if the method is a credible method of different classifications, the credible bar code layout needs to be determined again according to business requirements and credible methods.

Determining the validity period: and determining the validity period of the trusted bar code according to the trusted method, wherein the validity period is less than or equal to the time of continuous change of the trusted bar code calculated according to the playing method and the time interval in the trusted method.

Refresh generation time: and updating the generation time of the trusted bar code according to the current time of the trusted bar code management platform.

Updating the credible bar code library: after the trusted bar code is updated, the trusted bar code needs to be updated in a trusted bar code library so as to wait for operations such as inquiry, verification and the like.

In this embodiment, the trusted barcode issuing format may issue the trusted barcode raw data to the terminal according to a request of the terminal, and may also be additionally encapsulated into packed data to issue, where the packed data includes: the web page format, the video format, the animation format and other different playable formats are matched with different terminal and service requirements.

In this embodiment, the playing process of the trusted barcode is as follows:

and (3) judging the validity period: after the mobile phone/terminal acquires and issues the trusted bar code, firstly, the trusted bar code generation time, the validity period of the trusted bar code and the current time of the trusted bar code management platform are used for judging whether the trusted bar code is in the validity period or not, and if the trusted bar code is out of validity, the trusted bar code needs to be updated.

Organizing the display format: the mobile phone/terminal sets a display format according to the trusted bar code plane layout of the trusted bar code and the encryption element layout of the trusted method.

Setting a playing progress: and calculating and setting the progress of the credible bar code according to the current time of the server and the credible bar code generation time, and preparing for playing.

And (3) playing: namely, the encryption element set and the encryption element layout are controlled to be correspondingly changed according to the playing method at a time interval designed according to a trusted method.

And detecting the validity period of the credible bar code while playing, and if the validity period is out of date, updating the credible bar code or reporting the updated credible bar code to a user.

The foregoing shows and describes the general principles, principal features, and advantages of the invention. It will be understood by those skilled in the art that the present invention is not limited to the embodiments described above, which are described in the specification and illustrated only to illustrate the principle of the present invention, but that various changes and modifications may be made therein without departing from the spirit and scope of the present invention, which fall within the scope of the invention as claimed. The scope of the invention is defined by the appended claims and equivalents thereof.

Claims

1. A payment method based on a trusted barcode is characterized by comprising an active code scanning payment and a passive code scanning payment, wherein the active code scanning payment comprises the following steps:

s1: the credible bar code display terminal acquires a credible cash receiving code according to the set merchant information;

s3: the method comprises the steps that a payment code is scanned, a trusted payment application on a mobile terminal shoots a trusted collection code displayed on a trusted bar code display terminal, and information of a merchant collection function bar code in the trusted collection code is analyzed;

s4: the credible payment service platform acquires the credible bar code according to the analyzed merchant collection function bar code and sends the snapshot parameter of the credible bar code to the mobile terminal:

s5: the trusted payment application on the mobile terminal takes a snapshot of the trusted cash register code displayed on the trusted bar code display terminal according to the snapshot parameters of the trusted bar code;

s6: uploading the snapshot content to a trusted payment service platform by the trusted payment application, and initiating a verification request to a trusted bar code management platform by the trusted payment service platform;

s7: the trusted payment application prompts a user to select a payment mode and payment amount and initiates a payment request to the trusted payment service;

2. The payment method based on the trusted barcode as claimed in claim 1, wherein the passive barcode scanning payment comprises the following steps:

uploading the user information, the payment mode and the payment account number to a trusted payment service platform, and generating an encrypted personal payment function code by the trusted payment service platform or the payment platform; requesting a trusted payment code from the trusted payment service platform by using the personal payment function code, requesting the trusted payment service platform to generate the trusted payment code of the user from the trusted bar code management platform, forming a binding relation between data analyzed by the personal payment function code and the trusted bar code on the trusted bar code management platform, and returning the generated trusted payment code to the trusted payment application of the mobile terminal;

s24: the trusted code scanning terminal uploads the analysis data of the personal payment function code to the trusted payment service platform; inquiring and acquiring a trusted bar code bound with data analyzed by a specified personal payment function code through a trusted bar code management platform, and returning the trusted bar code to a trusted payment service platform; sending the snapshot parameters of the credible bar code to a credible code scanning terminal;

s26: the trusted code scanning terminal uploads the snapshot picture set to a trusted payment service platform, merchant payment information is sent to the trusted payment service platform to request payment, and the trusted payment service platform calculates the snapshot picture set on a trusted bar code management platform by using an artificial intelligence method to form a snapshot set; forming a calculation snapshot set according to the trusted bar code and the snapshot set time stamp; verifying the validity of the snapshot set, and comparing whether the snapshot set is consistent with the calculation snapshot set or not; if the legitimacy verification of the snapshot set is successful and the snapshot set and the calculation snapshot set are in consistent contrast, the verification is passed, otherwise, the verification is failed; stopping the payment process if the verification fails; returning the verification result to the trusted payment service platform;

3. The payment method based on the trusted barcode according to claim 1, wherein the step S1 specifically comprises: and extracting the merchant information and the merchant money receiving function bar code from the trusted payment service platform, requesting the trusted money receiving code from the management platform, acquiring the trusted money receiving code and returning the trusted money receiving code to the trusted bar code display terminal.

4. The payment method based on the trusted barcode according to claim 1, wherein the step S2 specifically comprises: the trusted bar code display terminal organizes the display layout of the trusted cash register code according to the design of the trusted cash register code, sets the playing progress of the trusted cash register code and starts playing the trusted cash register code; while playing, checking the validity period of the trusted payment code, and if the validity period is exceeded, requesting the trusted payment service platform to update the trusted payment code; and after the credible collection code is updated, returning to the credible bar code display terminal for playing.

5. The payment method based on the trusted barcode according to claim 1, wherein the step S6 specifically comprises: uploading the captured picture set to a trusted payment service platform by a trusted payment application on the mobile terminal; the trusted payment service platform requests the trusted bar code management platform to check the snapshot picture set;

calculating a snapshot set by using an artificial intelligence method on a trusted bar code management platform to form a snapshot set, and then forming a calculation snapshot set according to a trusted bar code and a snapshot set time stamp; carrying out validity verification on the snapshot set, and comparing whether the snapshot set is consistent with the calculation snapshot set or not; if the snapshot set and the calculation snapshot set are consistent in comparison, the verification is passed, otherwise, the verification is failed and the payment process is terminated; and returning the verification result to the trusted payment service platform and the mobile terminal.

6. A payment device based on a trusted barcode is used for realizing the payment method based on the trusted barcode as claimed in any one of claims 1 to 5, and is characterized by comprising a trusted barcode scanning terminal, a trusted barcode display terminal, a mobile terminal and a trusted payment service platform; the credible payment service platform is respectively connected with the credible code scanning terminal, the credible bar code display terminal and the mobile terminal; the trusted payment service platform is used for a uniform interface and providing trusted barcode service and mobile payment service for the mobile terminal, the trusted code scanning terminal and the trusted barcode display terminal; the mobile terminal is used for the user to obtain and display the credible payment code for payment, or scan and obtain the credible collection code displayed on the credible bar code display terminal for payment; the credible code scanning terminal is used for carrying out snapshot analysis and verification payment on the credible payment code displayed on the mobile terminal; the trusted bar code display terminal is used for receiving the trusted collection code from the trusted payment service platform, displaying and playing the trusted collection code, or receiving and displaying the played payment result from the trusted payment service platform.

7. The payment device based on the trusted barcode as claimed in claim 6, wherein the trusted barcode display terminal comprises a CPU, and a network communication module, a voice module and a display module respectively connected to the CPU; the CPU is used for receiving the trusted bar code from the trusted payment service platform according to the network communication module, controlling the display module to display and play the trusted bar code, and also receiving a payment result from the trusted payment service platform according to the network communication module and controlling the voice module to broadcast voice corresponding to the payment result; the network communication module comprises a wired communication module and a wireless communication module;

the voice module is used for playing voice.

8. The payment device based on the trusted barcode according to claim 6, wherein the trusted barcode scanning terminal comprises a CPU, and an image acquisition module, a network communication module, a voice module, a sensor module, an illumination module and a display module which are respectively connected with the CPU; the CPU is used for controlling the image acquisition module to snapshot a credible payment code displayed on the mobile terminal, and positioning and analyzing an easily-identified bar code; the CPU is also used for receiving snapshot parameters corresponding to the credible payment codes from the credible payment service platform according to the easily-recognized bar code data analyzed by the network communication module, controlling the image acquisition module to snapshot the credible payment codes displayed on the mobile terminal according to the set time interval and times, uploading a snapshot picture set to the credible payment service platform through the network communication module, requesting verification and payment, receiving payment results, and controlling the voice module to broadcast voices corresponding to the payment results;

9. A payment system based on a trusted barcode is characterized by comprising a trusted payment service platform, a trusted barcode scanning terminal, a trusted barcode display terminal, a mobile terminal, a trusted barcode management platform, a payment platform and an identity authentication platform;

the credible payment service platform is respectively connected with the credible code scanning terminal, the credible barcode display terminal, the mobile terminal, the credible barcode management platform, the payment platform and the identity authentication platform and is used for providing data communication for the mobile terminal, the credible barcode display terminal, the credible barcode scanning terminal, the credible barcode management platform, the payment platform and the identity authentication platform;

the trusted bar code management platform is used for creating and updating a trusted bar code, and storing the trusted bar code, a trusted method, an encryption element and a trusted bar code verification program;

the identity authentication platform is used for carrying out identity authentication on the mobile terminal;

the mobile terminal is used for acquiring snapshot parameters, snapshotting the credible bar code, analyzing and uploading the snapshot parameters, generating a user payment function code, displaying the credible bar code and sending transaction information;

the trusted bar code display terminal is used for acquiring and displaying a trusted bar code and transaction information;

the payment platform is used for encrypting the payment function code, completing the transaction and feeding back transaction information;

the credible code scanning terminal is used for setting transaction amount, acquiring snapshot parameters, snapshotting credible bar codes, analyzing and uploading the credible bar codes, and sending transaction information.

10. The payment system based on the trusted barcode of claim 9, wherein the trusted barcode management platform is composed of a trusted barcode creation module, a trusted barcode storage module, a trusted barcode update module, a trusted barcode library, a trusted method library, an encryption element library and a trusted barcode verification program;

the trusted bar code library is used for storing the created trusted bar codes.