CN102663631A - An electronic bill generating method for mobile payment - Google Patents

An electronic bill generating method for mobile payment Download PDF

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Publication number
CN102663631A
CN102663631A CN2012100772559A CN201210077255A CN102663631A CN 102663631 A CN102663631 A CN 102663631A CN 2012100772559 A CN2012100772559 A CN 2012100772559A CN 201210077255 A CN201210077255 A CN 201210077255A CN 102663631 A CN102663631 A CN 102663631A
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China
Prior art keywords
mobile payment
electronic bill
signature
order
information
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Pending
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CN2012100772559A
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Chinese (zh)
Inventor
刘毅
韩勇桥
余发江
余维伟
吴峥
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JETWAY INFORMATION SECURITY INDUSTRY Co Ltd
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JETWAY INFORMATION SECURITY INDUSTRY Co Ltd
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Priority to CN2012100772559A priority Critical patent/CN102663631A/en
Publication of CN102663631A publication Critical patent/CN102663631A/en
Pending legal-status Critical Current

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Abstract

The invention relates to an electronic bill generating method for mobile payment. The method comprises the steps of commodity or service selection, merchant generation and order sending by terminal users, order confirming and submitting by the mobile payment platform, order confirming by terminal users, and withholding, signature, and order return by the card-offering bank, and the bill generation and sending by the mobile payment platform. The method has the advantages (1) that electronic bill is authentic, searchable, generated instantly and achieved easily, (2) that the information, stored in the tax management system in real time, is acquired promptly, reliably and accurately, (3) that little data volume and short transmission time economize the bandwidth and storage space, and reduce the time of tax declaration and tax checking and the fee of network communication, (4) that taxpaying is performed electronically and automatically via paperless network so that the steps thereof is simplified and the cost of tax management is reduced, (5) that the method may be combined with state tax management system and bank settlement system so as to connect the group of taxpayer, tax bureau, customs and bank via telecommunication network, thereby accomplishing the modernization of tax control and management.

Description

A kind of electronic bill generation method that is used for mobile payment
Technical field
The present invention relates to a kind of electronic bill generation method that is used for mobile payment, belong to the technical field of mobile payment.
Background technology
Traditional modes of payments can not satisfy the user to more convenient, the pursuit of life style efficiently, so mobile payment is arisen at the historic moment, process of exchange need produce bill as the transaction voucher; Existing paper-bill has many defectives; For example waste paper,, easy abrasion imitated etc. easily, and when remote payment, cannot open paper-bill at all by personation; These constraints make in the mobile payment field; Must use new formula of bill, i.e. electronic bill is accomplished the anti-swindle of process of exchange, anti-counterfeit and safe and secret to transaction data.
Electronic bill mainly is the constraint user as the transaction voucher.Tradition is marched into the arena when payment, after the user brushes bank card, needs to sign on bar in papery, prove the authenticity of concluding the business.This signature is exactly the non repudiation of user's authentication and transaction in fact.The proof user pays certain amount of money with bank card account voluntarily and gives trade company, to buy commodity or service.And during remote payment, the user can't sign on paper, is that user oneself initiates with regard to this transaction difficult of proof also.So the transaction voucher of remote payment electronic form needs to bind with user's personal information, such as: bind with the UID of the inner card of mobile phone, or with the unique key signature of each user etc., this personal information requirement is unique and be not easy to duplicate.This electronic certificate itself just can prove that transaction is that user oneself initiates completely, and others can't generate such electronic certificate.Electronic bill mainly is to retrain trade company as the shopping voucher.When tradition was marched into the arena payment, the user can ask for invoice to trade company, and delivery of cargo, goods return and replacement, after sale service etc. all need this shopping voucher.When tradition was marched into the arena payment, this receipt was a paper document, is stamped the seal of trade company above.And during remote payment, can not obtain the papery invoice then and there, so need to adopt electronic certificate, prove that trade company and user's deal contract concerns.But, the risk that electronic certificate possibly exist be replicated easily or transmission course in by being intercepted and captured.Like this, a user who does not exist deal contract to concern with trade company possibly go delivery of cargo or require to provide after sale service etc.That is to say: the shopping voucher of electronic form also should comprise user's authentication information in fact.
Summary of the invention
The objective of the invention is to; A kind of electronic bill generation method that is used for mobile payment has been proposed; Make mobile payment transaction break away from the restriction of traditionally on paper bill, guarantee that the remote payment business can receive the electronic bill voucher in time, simultaneously; Take digital signature and method of encrypting to strengthen the anti-repudiation property of bill, anti-duplicity and confidentiality, thus make the remote payment business can be swimmingly, carry out safely.
A kind of electronic bill that is used for mobile payment of the present invention generates the method and technology scheme, may further comprise the steps:
A1. the terminal user selects commodity or service: land shopping website through the terminal, commodity that selection will be bought or service send to trade company with shopping information through network;
A2. trade company generates and sends order: sign according to terminal user's shopping information generation order and to order, then order is sent to mobile payment platform;
A3. mobile payment platform confirms an order: to behind trade company's order signature sequence information being returned the terminal user;
A4. the terminal user confirms: relevant sequence information is confirmed and input payment of bank card information PIN, behind the signature order is being sent to mobile payment platform on the order;
A5. mobile payment platform is submitted order to: the order that the terminal user confirms is submitted to issuing bank;
A6 issuing bank withholds to sign and returns order: confirm the relevant payment information of order that mobile payment platform is submitted to, and accomplish and withhold and sign, then order is returned to mobile payment platform;
A7. mobile payment platform generates and sends bill: calculate mobile payment platform MAC according to order; Enclose terminal user and trade company and the three of issuing bank signing messages and electronic bill information separately then; Generate final electronic bill, at last electronic bill is sent to portable terminal and trade company.
Further technical scheme is:
The described electronic bill generation method that is used for mobile payment, its electronic bill information comprises user profile, merchandise news and payment information.
The described electronic bill generation method that is used for mobile payment, its user profile are to buy consumer's personal information of commodity, comprise name, sex, class origin days, work unit, identification card number.
Described a kind of electronic bill generation method that is used for mobile payment, its merchandise news are the commodity bought of user and the information of trade company, comprise trade name, production code member, production business men title, the place of production, product bar code, and name of firm, address.
The described electronic bill generation method that is used for mobile payment, its payment information are that the user buys the modes of payments information that commodity are used, and comprise the bank of deposit, payment, transaction number.
The described electronic bill generation method that is used for mobile payment, its signing messages are the affirmation information of transaction each side to transaction and electronic bill, comprise user's signature, trade company's signature and issuing bank's signature.
The described electronic bill generation method that is used for mobile payment, its mobile payment platform MAC is the check code of mobile payment platform to electronic bill.
A kind of bill endorsement method that is used for the electronic bill generation method of mobile payment of the present invention comprises the steps:
B1. obtain electronic bill information original text;
B2. original text is carried out Hash operation: select hash algorithm H, original text is carried out Hash operation obtain cryptographic hash H (M);
B3. sign: select signature function S, cryptographic hash H (M) is encrypted obtain signing S (H (M)) as a result with private key;
B4. generate signature packet: cascade original text M, the sign of hash algorithm H and signature be S (H (M)) as a result, generates last signature packet.
The verification method of the electronic bill signature that a kind of bill generation method that is used for mobile payment of the present invention is generated comprises the steps:
C1. decompose signature packet: signature packet is decomposed into electronic bill information original text M, the hash algorithm H and the S (H (M)) as a result that signs;
C2. original text is carried out Hash operation: the hash algorithm H in the utilization signature packet carries out Hash operation and obtains H1 (M);
C3. obtain and verify trade company's digital certificate: obtain the digital certificate of signature and verify digital certificate validity;
C4. from digital certificate, obtain trade company's PKI;
C5. calculate checking function V: calculate checking function V according to signature function S;
C6. use PKI decrypted signature result:, obtain V (S (H (M))) with the PKI decrypted signature result of trade company; If V (S (H (M))) equates that with H1 (M) then checking is passed through, otherwise authentication failed.
Remarkable result of the present invention is:
1. electronic bill moment, the false true and false is examined at once, and is easy to operation, penetration and promotion easily; 2, the information on the electronic bill deposits the tax administration information system database in real time in, and information acquisition is in time reliable, and is accurate; 3, the information on the electronic bill, data volume is very little, and the time of transmission is very short, can conserve bandwidth and storage space, save newspaper, nuclear tax time and network communication expense; 4, realize paying taxes clearing networking fully, electronization, with no paper and automation mechanized operation; Simplified the link of tax work; A large amount of a series of activities such as seal ticket, ticketing, checking, evidence obtaining, authentication, cross audit and recourse have been removed from; Can reduce the tax administration cost for country practices thrift great amount of manpower and material resources, financial resources; 5, also can get up with tax refund for exports from the State electronic management system, bank settlement systems incorporate; Pass through communication network; With taxpayer, the tax bureau, customs and bank be linked together, established the technical foundation of the integrated clearing scheme of paying taxes, realize the tax control management modernization.
Description of drawings
The process flow diagram that Fig. 1 generates for electronic bill of the present invention;
Fig. 2 is an electronic bill structural representation of the present invention;
Fig. 3 is the process flow diagram of electronic bill signature of the present invention;
Fig. 4 is the checking process flow diagram of electronic bill signature of the present invention.
The practical implementation step
It is following in conjunction with accompanying drawing and embodiment the present invention to be done further detailed description:
Embodiment 1:Like Fig. 1, shown in 2, be used for the electronic bill generation method of mobile payment for the present invention is a kind of, may further comprise the steps:
A1. the terminal user selects commodity or service: land shopping website through the terminal, commodity that selection will be bought or service send to trade company with shopping information through network;
A2. trade company generates and sends order: sign according to terminal user's shopping information generation order and to order, then order is sent to mobile payment platform;
A3. mobile payment platform confirms an order: to behind trade company's order signature sequence information being returned the terminal user;
A4. the terminal user confirms: relevant sequence information is confirmed and input payment of bank card information PIN, behind the signature order is being sent to mobile payment platform on the order;
A5. mobile payment platform is submitted order to: the order that the terminal user confirms is submitted to issuing bank;
A6 issuing bank withholds to sign and returns order: confirm the relevant payment information of order that mobile payment platform is submitted to, and accomplish and withhold and sign, then order is returned to mobile payment platform;
A7. mobile payment platform generates and sends bill: calculate mobile payment platform MAC 1.3 according to order; Enclose terminal user and trade company and the three of issuing bank signing messages 1.2 and electronic bill information 1.1 separately then; Generate final electronic bill 1, at last electronic bill 1 is sent to portable terminal and trade company.
As shown in Figure 2, said electronic bill information 1.1 comprises user profile 1.1.1, merchandise news 1.1.2 and payment information 1.1.3.User profile 1.1.1 is consumer's personal information of buying commodity, comprises name, sex, class origin days, work unit, identification card number.Merchandise news 1.1.2 is the commodity bought of user and the information of trade company, comprises trade name, production code member, production business men title, the place of production, product bar code, and name of firm, address.Payment information 1.1.3 is that the user buys the modes of payments information that commodity are used, and comprises the bank of deposit, payment, transaction number.Signing messages 1.2 is the affirmation information of transaction each side to transaction and electronic bill 1, comprises user's signature 1.2.1, the signature 1.2.2 of trade company and the signature 1.2.3 of issuing bank, is used to examine the carrying out of transaction, anti-swindle and anti-repudiation.Mobile payment platform MAC 1.3 is mobile payment platform check codes to electronic bill.
Embodiment 2:As shown in Figure 3, for generating the process flow diagram of electronic bill signature in the remote Mobile payment process of the present invention, in the remote payment process, user, trade company and the bank of deposit need respectively electronic bill to be signed to prevent property denied and duplicity.Below be to be the generative process of example explanation mobile payment electronic bill signature with the trade company.
A kind of bill endorsement method that is used for the electronic bill generation method of mobile payment of the present invention, present embodiment is trade company's endorsement method on bill, step is:
B1. obtain electronic bill information original text M;
B2. original text is carried out Hash operation: select hash algorithm H, original text is carried out Hash operation obtain cryptographic hash H (M);
B3. sign: select signature function S, cryptographic hash H (M) is encrypted obtain signing S (H (M)) as a result with private key;
B4. generate signature packet: cascade original text M, the sign of hash algorithm H and signature be S (H (M)) as a result, generates last signature packet.
Embodiment 3:As shown in Figure 4, be the process flow diagram of electronic bill signature verification in the remote Mobile payment process of the present invention.
The verification method of the electronic bill signature that a kind of bill generation method that is used for mobile payment of the present invention is generated comprises the steps:
C1. decompose signature packet: signature packet is decomposed into electronic bill information original text M, the hash algorithm H and the S (H (M)) as a result that signs;
C2. original text is carried out Hash operation: the hash algorithm H in the utilization signature packet carries out Hash operation and obtains H1 (M);
C3. obtain and verify trade company's digital certificate: obtain the digital certificate of signature and verify digital certificate validity;
C4. from digital certificate, obtain trade company's PKI;
C5. calculate checking function V: calculate checking function V according to signature function S;
C6. use PKI decrypted signature result:, obtain V (S (H (M))) with the PKI decrypted signature result of trade company; If V (S (H (M))) equates that with H1 (M) then checking is passed through, otherwise authentication failed.
When being trade company, then proposing authentication and be the user in the said step by authentication; When being the user by authentication, then proposing authentication is trade company.
Digital signature in the electronic bill is for anti-swindle, anti-repudiation, if dispute really takes place, just needs the authenticity of certifying digital signature.Situation about taking place is for example: the user wants to exchange goods, return goods, and must confirm goods from certain merchant purchasing, and the digital signature on the checking electronic bill if verify successfully, is just explained that this trade company really of electronic bill opens, otherwise is that the user copies.
When the end-user verification merchant identification, what electronic bill was realized is shopping voucher function, mainly is used for retraining trade company, and trade company is by authentication; When trade company's verification terminal user identity, electronic bill is realized transaction voucher function, and promptly for the interests constraint terminal user of trade company, the user is by authentication.
Claim protection domain of the present invention is not limited to the foregoing description.

Claims (9)

1. electronic bill generation method that is used for mobile payment is characterized in that: may further comprise the steps:
A1. the terminal user selects commodity or service: land shopping website through the terminal, commodity that selection will be bought or service send to trade company with shopping information through network;
A2. trade company generates and sends order: sign according to terminal user's shopping information generation order and to order, then order is sent to mobile payment platform;
A3. mobile payment platform confirms an order: to behind trade company's order signature sequence information being returned the terminal user;
A4. the terminal user confirms: relevant sequence information is confirmed and input payment of bank card information PIN, behind the signature order is being sent to mobile payment platform on the order;
A5. mobile payment platform is submitted order to: the order that the terminal user confirms is submitted to issuing bank;
A6 issuing bank withholds to sign and returns order: confirm the relevant payment information of order that mobile payment platform is submitted to, and accomplish and withhold and sign, then order is returned to mobile payment platform;
A7. mobile payment platform generates and sends bill: calculate mobile payment platform MAC (1.3) according to order; Enclose terminal user and trade company and the three of issuing bank signing messages (1.2) and electronic bill information (1.1) separately then; Generate final electronic bill (1), at last electronic bill (1) is sent to portable terminal and trade company.
2. the electronic bill generation method that is used for mobile payment as claimed in claim 1 is characterized in that, said electronic bill information (1.1) comprises user profile (1.1.1), merchandise news (1.1.2) and payment information (1.1.3).
3. the electronic bill generation method that is used for mobile payment as claimed in claim 2 is characterized in that, user profile (1.1.1) is to buy consumer's personal information of commodity, comprises name, sex, class origin days, work unit, identification card number.
4. a kind of electronic bill generation method that is used for mobile payment as claimed in claim 2; It is characterized in that; Merchandise news (1.1.2) is the commodity bought of user and the information of trade company; Comprise trade name, production code member, production business men title, the place of production, product bar code, and name of firm, address.
5. the electronic bill generation method that is used for mobile payment as claimed in claim 2 is characterized in that, payment information (1.1.3) is that the user buys the modes of payments information that commodity are used, and comprises the bank of deposit, payment, transaction number.
6. the electronic bill generation method that is used for mobile payment as claimed in claim 1; It is characterized in that; Signing messages (1.2) is the affirmation information of transaction each side to transaction and electronic bill (1), comprises user's signature (1.2.1), trade company's signature (1.2.2) and issuing bank's signature (1.2.3).
7. the electronic bill generation method that is used for mobile payment as claimed in claim 1 is characterized in that, mobile payment platform MAC (1.3) is the check code of mobile payment platform to electronic bill.
8. a bill endorsement method that is used for the electronic bill generation method of claim 1 mobile payment is characterized in that, comprises the steps:
B1. obtain electronic bill information original text M;
B2. original text is carried out Hash operation: select hash algorithm H, original text is carried out Hash operation obtain cryptographic hash H (M);
B3. sign: select signature function S, cryptographic hash H (M) is encrypted obtain signing S (H (M)) as a result with private key;
B4. generate signature packet: cascade original text M, the sign of hash algorithm H and signature be S (H (M)) as a result, generates last signature packet.
9. the verification method of the electronic bill signature that generated of a bill generation method that is used for claim 1 mobile payment is characterized in that, comprises the steps:
C1. decompose signature packet: signature packet is decomposed into electronic bill information original text M, the hash algorithm H and the S (H (M)) as a result that signs;
C2. original text is carried out Hash operation: the hash algorithm H in the utilization signature packet carries out Hash operation and obtains H1 (M);
C3. obtain and verify trade company's digital certificate: obtain the digital certificate of signature and verify digital certificate validity;
C4. from digital certificate, obtain trade company's PKI;
C5. calculate checking function V: calculate checking function V according to signature function S;
C6. use PKI decrypted signature result:, obtain V (S (H (M))) with the PKI decrypted signature result of trade company; If V (S (H (M))) equates that with H1 (M) then checking is passed through, otherwise authentication failed.
CN2012100772559A 2012-03-22 2012-03-22 An electronic bill generating method for mobile payment Pending CN102663631A (en)

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CN103985051A (en) * 2014-05-30 2014-08-13 税友软件集团股份有限公司 Electronic invoice generating method, device and system
CN103985037A (en) * 2014-04-01 2014-08-13 寇锘 Mobile payment system and method
CN104123648A (en) * 2013-04-27 2014-10-29 丰达软件(苏州)有限公司 Electronic payment system
CN104268780A (en) * 2014-10-21 2015-01-07 中国建设银行股份有限公司 Trade order confirmation method and device and server
CN104463567A (en) * 2013-09-16 2015-03-25 航天信息股份有限公司 Secure electronic transaction method and system
CN104463667A (en) * 2015-01-07 2015-03-25 税友软件集团股份有限公司 Electronic invoice supervision method and system
CN104778614A (en) * 2014-04-30 2015-07-15 无锡工艺职业技术学院 Electronic invoice generation steps and false discrimination method of electronic invoice
CN104820941A (en) * 2015-04-09 2015-08-05 深圳市中润四方信息技术有限公司 Method and system of encapsulating electronic invoices
CN105279861A (en) * 2014-07-03 2016-01-27 东芝泰格有限公司 Electronic bill processing device and control method
CN105931090A (en) * 2015-10-08 2016-09-07 中国银联股份有限公司 Electronic bill sending method and device
CN107480978A (en) * 2017-08-04 2017-12-15 现在(北京)支付股份有限公司 Based on block chain technology for mode of payment
CN109241778A (en) * 2018-08-13 2019-01-18 阿里巴巴集团控股有限公司 A kind of public transport data processing method and device based on block chain
CN109409860A (en) * 2018-12-25 2019-03-01 温州大卖客网络科技有限公司 A kind of retail transaction information service platform
CN109614596A (en) * 2018-12-13 2019-04-12 税友软件集团股份有限公司 A kind of electronic note processing method, device and system
CN111178995A (en) * 2019-12-31 2020-05-19 航天信息股份有限公司企业服务分公司 Method and system for bill processing based on cloud bill system

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CN104123648A (en) * 2013-04-27 2014-10-29 丰达软件(苏州)有限公司 Electronic payment system
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CN104463667A (en) * 2015-01-07 2015-03-25 税友软件集团股份有限公司 Electronic invoice supervision method and system
CN104820941B (en) * 2015-04-09 2019-04-05 深圳市中润四方信息技术有限公司 A kind of packaging method and its system of electronic invoice
CN104820941A (en) * 2015-04-09 2015-08-05 深圳市中润四方信息技术有限公司 Method and system of encapsulating electronic invoices
WO2017059765A1 (en) * 2015-10-08 2017-04-13 中国银联股份有限公司 Electronic bill sending method and apparatus
CN105931090A (en) * 2015-10-08 2016-09-07 中国银联股份有限公司 Electronic bill sending method and device
CN107480978A (en) * 2017-08-04 2017-12-15 现在(北京)支付股份有限公司 Based on block chain technology for mode of payment
CN107480978B (en) * 2017-08-04 2021-12-10 苏州缓流科技有限公司 Payment method based on block chain technology
CN109241778A (en) * 2018-08-13 2019-01-18 阿里巴巴集团控股有限公司 A kind of public transport data processing method and device based on block chain
CN109614596A (en) * 2018-12-13 2019-04-12 税友软件集团股份有限公司 A kind of electronic note processing method, device and system
CN109409860A (en) * 2018-12-25 2019-03-01 温州大卖客网络科技有限公司 A kind of retail transaction information service platform
CN111178995A (en) * 2019-12-31 2020-05-19 航天信息股份有限公司企业服务分公司 Method and system for bill processing based on cloud bill system
CN111178995B (en) * 2019-12-31 2023-12-01 航天信息股份有限公司企业服务分公司 Method and system for processing bill based on cloud bill system

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Application publication date: 20120912