CN105243539A - Identity authentication method for realizing two-dimensional code safety payment - Google Patents

Identity authentication method for realizing two-dimensional code safety payment Download PDF

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Publication number
CN105243539A
CN105243539A CN201510584374.7A CN201510584374A CN105243539A CN 105243539 A CN105243539 A CN 105243539A CN 201510584374 A CN201510584374 A CN 201510584374A CN 105243539 A CN105243539 A CN 105243539A
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China
Prior art keywords
identity
quick response
payment
code
response code
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Pending
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CN201510584374.7A
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Chinese (zh)
Inventor
任明和
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CHONGQING ZHITAO INFORMATION TECHNOLOGY CENTER
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CHONGQING ZHITAO INFORMATION TECHNOLOGY CENTER
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Priority to CN201510584374.7A priority Critical patent/CN105243539A/en
Publication of CN105243539A publication Critical patent/CN105243539A/en
Pending legal-status Critical Current

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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327Short range or proximity payments by means of M-devices
    • G06Q20/3276Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401Transaction verification
    • G06Q20/4014Identity check for transactions

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The invention relates to an identity authentication method for realizing two-dimensional code safety payment. According to the method, identity authentication codes of a payee or a two-dimensional code releaser are loaded in a two-dimensional code, and therefore, when two-dimensional code payment is carried out, a system performs identity authentication on the payee, the two-dimensional code releaser and a payer in advance, and substantial payment business operation can be allowed to be carried out only when relevant authentication is successful. With the method of the invention adopted, the real identity information of each side can be fully displayed as much as possible, and the payer side can be assisted to further confirm whether the real identity information of the payee is consistent with the information mastered before, and whether the payer side is the true owner of a payment account can be also confirmed, and therefore, financial security of users can be guaranteed. According to the method, a safety payment threshold is established at a front end, and effective prevention of account compromised payment or illegal payment can be established at a back end, and the identity of the payer can be further authenticated, and illegal transfer through using compromised accounts can be prevented, and safety protection for the payment of the users can be implemented in a multi-aspect manner.

Description

Realize the identity identifying method that two-dimension code safe pays
Technical field
The invention belongs to two-dimension code safe payment technical field, mainly by the beneficiary of Quick Response Code payment transaction or the publisher paying Quick Response Code, and payer carries out authentication, thus realizes the object of secure payment.
Background technology
Planar bar code technology, stores recognition technology, web page interlinkage technology, and a kind of certification recognition technology as the easy information of one, very ripe.Due to before by the restriction that intelligent mobile terminal is not popularized, not can be good at Popularization And Development so far, reach its due application height.Popularizing in recent years due to intelligent mobile terminal, for the popularity of Quick Response Code is applied, provide development opportunity, the particularly fast development of O2O business model, use Quick Response Code set up line reach the standard grade under electric business's promoting service, and based on mobile terminal realize line under pay, higher expectation is had to planar bar code technology, how to develop Quick Response Code different application widely, provide different planar bar code technology to apply to miscellaneous service and support, be the problem that worth industry field carries out studying.
Extensively universal particularly along with mobile payment, because Quick Response Code is in payment application, relative to other payment modes, just has natural simple, advantage efficiently, obtains the popularity application in market.
But meanwhile, based on the characteristic of planar bar code technology, make its lower payment aspect online, occurred various problems, relevant Quick Response Code pays the safety problem of application, and the electric business particularly utilizing Quick Response Code to carry out consumes deception, with telecommunications financial payment swindle, refer to the degree that must solve.
Summary of the invention
The identity identifying method realizing two-dimension code safe and pay of the present invention, pays the very big security risk problem existed, proposes one and have operability and creationary solution based on Quick Response Code.The present invention is by the beneficiary of Quick Response Code payment transaction or the publisher paying Quick Response Code, and payer carries out effective or legal authentication, the true identity information of each side is allowed all as much as possible fully to show, payer is helped to confirm that whether the true identity information of beneficiary is consistent with the information understanding grasp before further, payer is the real owner of this payment account, when relevant information goes wrong, then reminding user is refused to pay, thus ensure the fund security of user, the object realizing secure payment is ensured from source.
After certification is passed through, the authentication coding of beneficiary or Quick Response Code publisher is loaded in Quick Response Code, when going wrong, or user needs to understand, or when formerly understanding counter-party information, can to be correlated with public information by coding lookup the other side, to be confirmed whether barcode scanning or whether to pay, or the recourse gone wrong is complained.
The present invention sets up the threshold of secure payment in front end, namely be exactly, when paying Quick Response Code and making, just carry out in first authentication or in first legal capacity certification to beneficiary, certification is by generating efficient 2-d code payment module, or the Quick Response Code payment module generated is carried out to authentication or the legal capacity certification of beneficiary account, just permit to submit payment transaction application to by certification.In addition, by setting up the effective prevention to swindle payment and improper payment in rear end, by the further certification to disburser's identity, prevent hijack accounts from illegally transferring accounts, thus implement the safeguard protection to user's payment with multi-angle.
The identity identifying method realizing two-dimension code safe and pay of the present invention, is in Quick Response Code payment process, formerly carries out authentication to beneficiary, after by certification, just permit that payer carries out substantial payment transaction operation.
Further, and/or carry out in first authentication to payer, when payer starts payment transaction module confirmation payment account, system carries out authentication to payer, by just permitting after certification that payer carries out substantial payment transaction operation.
The identity identifying method realizing two-dimension code safe and pay of the present invention, described authentication, perhaps can, to the Quick Response Code publisher relevant to payment, carry out mandatory in first authentication, carry out substantial continuation payment business operation by ability permitted user after certification.
The identity identifying method realizing two-dimension code safe and pay of the present invention, describedly carries out authentication to beneficiary and/or Quick Response Code publisher, is the authentication coding loading beneficiary and/or publisher in Quick Response Code; Comprise following flow process:
S1, beneficiary or Quick Response Code publisher submit authentication information to, complete certification and are encoded by rear configuration-system.
S2, when beneficiary and/or Quick Response Code publisher submit Quick Response Code information generated content to, system detects the described information content.
S3, when the described information content by detect license after, transfer the system coding of this beneficiary or Quick Response Code publisher.
When S4, system generate Quick Response Code, the time factor of system coding and generation Quick Response Code is utilized synchronously to generate one group of identity detection of code.
S5, system generate and are loaded with the Quick Response Code that identity detects code content.
The identity identifying method realizing two-dimension code safe and pay of the present invention, describedly detects the authentication of codes implement to beneficiary and/or Quick Response Code publisher by identity, comprises following flow process:
S1, when user sweep read Quick Response Code time, automatic activation program is by identity detection of code submission system backstage; Or by sweeping the instrument of reading formerly by described identity detection of code submission system backstage.
S2, system background carry out database comparison to described identity detection of code; Or system background is decrypted the comparison of process reduction laggard row database to described identity detection of code.
S3, when identity detection of code described in comparison is identical with the original value of backstage corresponding stored, then assert that this Quick Response Code is that identity is effective; Or work as the beneficiary and/or publisher that described in comparison, identity detection of code is corresponding, authentication coding is identical with the time factor comparison generated, then assert that this Quick Response Code identity is effective.
S4, when comparison result be identity invalid time, at barcode scanning reading terminals reminding user; Or when comparison result be identity invalid time, refusal user carry out the operation of Quick Response Code payment transaction.
S5, when comparison result be identity effective time, barcode scanning reading terminals prompting user; Or when comparison result be identity effective time, Quick Response Code follow-up is read in license, or directly enters payment transaction interface.
The identity identifying method realizing two-dimension code safe and pay of the present invention, described when authenticating identity effectively enters payment interface, or system inform beneficiary can public information, prompting payer carries out secondary-confirmation.
The identity identifying method realizing two-dimension code safe and pay of the present invention, describedly carry out in first authentication to payer, be by or the single setting of biological feature encryption mode of payment cipher or payer or multinomial combination setting, carry out the authentication to payer or payment authorization.
The identity identifying method realizing two-dimension code safe and pay of the present invention, describedly carry out in first authentication by payment cipher to payer, described password comprises dynamic password and static password setting means, described dynamic password or also comprise third party's dynamic password authorization.
The identity identifying method realizing two-dimension code safe and pay of the present invention, the described biological feature encryption mode by payer is carried out in first authentication, its biological characteristic comprises fingerprint, and the single or combination of dactylus vein, iris, the biometric encrypted technology of recognition of face is selected.
Accompanying drawing explanation
Fig. 1 is the business structure figure that the present invention realizes the identity identifying method that two-dimension code safe pays.
Embodiment
Below in conjunction with accompanying drawing, specific embodiments of the invention are described.Should be appreciated that embodiment described herein is only for instruction and explanation of the present invention, is not intended to limit the present invention.
The present invention is by the beneficiary of Quick Response Code payment transaction or the publisher paying Quick Response Code, and paying party carries out effective or legal authentication, the true identity information of each side is allowed all as much as possible fully to show, payer is helped to confirm that whether the true identity information of beneficiary is consistent with the information understanding grasp before further, payer is the real owner of this payment account, when relevant information goes wrong, then reminding user is refused to pay, thus ensure the fund security of user, the object realizing secure payment is ensured from source.
One of embodiment, the identity identifying method realizing two-dimension code safe and pay of the present invention, describedly carries out authentication to beneficiary and/or Quick Response Code publisher, is the authentication coding loading beneficiary and/or publisher in Quick Response Code; Comprise following flow process:
S1, beneficiary or Quick Response Code publisher submit authentication information to, complete line certification and are encoded by rear configuration-system.
S2, when beneficiary and/or Quick Response Code publisher submit Quick Response Code information generated content to, system detects the described information content.
S3, when the described information content by detect license after, transfer the system coding of this beneficiary or Quick Response Code publisher.
When S4, system generate Quick Response Code, the time factor of system coding and/or generation Quick Response Code is utilized synchronously to generate one group of identity detection of code.
S5, system generate and are loaded with the Quick Response Code mark that identity detects code content.
Embodiment two, the identity identifying method realizing two-dimension code safe and pay of the present invention, describedly detects the authentication of codes implement to beneficiary and/or Quick Response Code publisher by identity, comprises following flow process:
S1, when user sweep read Quick Response Code mark time, automatic activation program is by identity detection of code submission system backstage; Or by sweeping the instrument of reading formerly by described identity detection of code submission system backstage.
S2, system background carry out database comparison to described identity detection of code; Or system background is decrypted the comparison of process reduction laggard row database to described identity detection of code.
S3, when identity detection of code described in comparison is identical with the original value of backstage corresponding stored, then assert that this Quick Response Code is that identity is effective; Or work as the beneficiary and/or publisher that described in comparison, identity detection of code is corresponding, authentication coding is identical with the time factor comparison generated, then assert that this Quick Response Code is that identity is effective.
S4, when comparison result be identity invalid time, at barcode scanning reading terminals reminding user; Or when comparison result be identity invalid time, refusal user carry out the operation of Quick Response Code payment transaction.
S5, when comparison result be identity effective time, barcode scanning reading terminals prompting user; Or when comparison result be identity effective time, Quick Response Code follow-up is read in license, or directly enters payment transaction interface.
In sum, the identity identifying method realizing two-dimension code safe and pay of the present invention, by loading the authentication coding of beneficiary or Quick Response Code publisher in Quick Response Code, when carrying out Quick Response Code and paying, system formerly carries out authentication to beneficiary, Quick Response Code publisher and payer, only has by just permitting after relevant authentication to carry out substantial payment transaction operation.The present invention allows the true identity information of each side as much as possible fully show, payer is helped to confirm that whether the true identity information of beneficiary is consistent with the information understanding grasp before further, payer is the real owner of this payment account, thus ensures the fund security of user.The present invention sets up the threshold of secure payment in front end; in addition also by setting up the effective prevention to steal-number payment and improper payment in rear end; by the further certification to disburser's identity, prevent hijack accounts from illegally transferring accounts, thus implement the safeguard protection to user's payment with multi-angle.

Claims (8)

1. realize the identity identifying method that two-dimension code safe pays, be characterised in that it is in Quick Response Code payment process, formerly authentication carried out to beneficiary, after by certification, just permit that payer carries out substantial payment transaction operation;
Further, and/or carry out in first authentication to payer, when payer starts payment transaction module confirmation payment account, system carries out authentication to payer, by just permitting after certification that payer carries out substantial payment transaction operation.
2. the identity identifying method realizing two-dimension code safe and pay according to claim 1, be characterised in that described authentication, perhaps can to the Quick Response Code publisher relevant to payment, carry out mandatory in first authentication, carry out substantial continuation payment business operation by ability permitted user after certification.
3., according to realizing the identity identifying method that two-dimension code safe pays described in claim 1/2, being characterised in that and describedly carrying out authentication to beneficiary and/or Quick Response Code publisher, is the authentication coding loading beneficiary and/or publisher in Quick Response Code; Comprise following flow process:
S1, beneficiary or Quick Response Code publisher submit authentication information to, complete certification and are encoded by rear configuration-system;
S2, when beneficiary and/or Quick Response Code publisher submit Quick Response Code information generated content to, system detects the described information content;
S3, when the described information content by detect license after, transfer the system coding of this beneficiary or Quick Response Code publisher;
When S4, system generate Quick Response Code, the time factor of system coding and generation Quick Response Code is utilized synchronously to generate one group of identity detection of code;
S5, system generate and are loaded with the Quick Response Code that identity detects code content.
4., according to realizing the identity identifying method that two-dimension code safe pays described in claim 1/2, being characterised in that and described detecting the authentication of codes implement to beneficiary and/or Quick Response Code publisher by identity, comprising following flow process:
S1, when user sweep read Quick Response Code time, automatic activation program is by identity detection of code submission system backstage; Or by sweeping the instrument of reading formerly by described identity detection of code submission system backstage;
S2, system background carry out database comparison to described identity detection of code; Or system background is decrypted the comparison of process reduction laggard row database to described identity detection of code;
S3, when identity detection of code described in comparison is identical with the original value of backstage corresponding stored, then assert that this Quick Response Code is that identity is effective; Or work as the beneficiary and/or publisher that described in comparison, identity detection of code is corresponding, authentication coding is identical with the time factor comparison generated, then assert that this Quick Response Code identity is effective;
S4, when comparison result be identity invalid time, at barcode scanning reading terminals reminding user; Or when comparison result be identity invalid time, refusal user carry out the operation of Quick Response Code payment transaction;
S5, when comparison result be identity effective time, barcode scanning reading terminals prompting user; Or when comparison result be identity effective time, Quick Response Code follow-up is read in license, or directly enters payment transaction interface.
5. require to realize the identity identifying method that two-dimension code safe pays described in 1, be characterised in that described when authenticating identity effectively enters payment interface, or system inform beneficiary can public information, prompting payer carries out secondary-confirmation.
6. the identity identifying method realizing two-dimension code safe and pay according to claim 1, be characterised in that and describedly carry out in first authentication to payer, be by or the single setting of biological feature encryption mode of payment cipher or payer or multinomial combination setting, carry out the authentication to payer or payment authorization.
7. the identity identifying method realizing two-dimension code safe and pay according to claim 6, carry out in first authentication by payment cipher to payer described in being characterised in that, described password comprises dynamic password and static password setting means, described dynamic password or also comprise third party's dynamic password authorization.
8. the identity identifying method realizing two-dimension code safe and pay according to claim 6, undertaken in first authentication by the biological feature encryption mode of payer described in being characterised in that, its biological characteristic comprises fingerprint, and the single or combination of dactylus vein, iris, the biometric encrypted technology of recognition of face is selected.
CN201510584374.7A 2015-09-15 2015-09-15 Identity authentication method for realizing two-dimensional code safety payment Pending CN105243539A (en)

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Cited By (14)

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CN105704133A (en) * 2016-02-19 2016-06-22 广东欧珀移动通信有限公司 Method, terminal and server for data synchronism
CN105701659A (en) * 2016-03-11 2016-06-22 广州云移信息科技有限公司 Two-dimensional code-based network payment method and system
CN106445363A (en) * 2016-08-26 2017-02-22 维沃移动通信有限公司 Payment interface startup method and mobile terminal
CN107180351A (en) * 2017-04-13 2017-09-19 上海动联信息技术股份有限公司 A kind of off line Dynamic Two-dimensional code generating method, method of payment and equipment
CN107423793A (en) * 2017-04-28 2017-12-01 南京邮电大学 A kind of Quick Response Code generation identification technology of new type of safe
WO2017211019A1 (en) * 2016-06-06 2017-12-14 乐视控股(北京)有限公司 Payment method, device, terminal, and server
CN107507007A (en) * 2017-08-30 2017-12-22 努比亚技术有限公司 One kind pays 2 D code verification method, terminal and computer-readable recording medium
CN107730260A (en) * 2017-09-30 2018-02-23 努比亚技术有限公司 A kind of method, equipment and terminal realized Quick Response Code and paid
CN108269084A (en) * 2017-01-03 2018-07-10 阿里巴巴集团控股有限公司 A kind of method and device for progress barcode scanning payment on the mobile apparatus
CN108399540A (en) * 2018-01-19 2018-08-14 广东小天才科技有限公司 Barcode scanning method of payment, device, terminal and storage medium based on mobile terminal
CN108416400A (en) * 2018-01-31 2018-08-17 杭州晟元数据安全技术股份有限公司 A kind of method of payment and payment system based on dynamic two-dimension code
CN108898206A (en) * 2018-06-11 2018-11-27 上海掌门科技有限公司 A kind of method and barcode scanning safe checking method generating gathering code
CN109214801A (en) * 2018-08-17 2019-01-15 惠龙易通国际物流股份有限公司 A kind of e-payment confirmation method, device and storage medium
CN110264209A (en) * 2019-04-28 2019-09-20 福建酷享网络科技有限公司 A kind of information processing method and device of intelligent scanning payment

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Cited By (19)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN105704133A (en) * 2016-02-19 2016-06-22 广东欧珀移动通信有限公司 Method, terminal and server for data synchronism
CN105701659A (en) * 2016-03-11 2016-06-22 广州云移信息科技有限公司 Two-dimensional code-based network payment method and system
WO2017211019A1 (en) * 2016-06-06 2017-12-14 乐视控股(北京)有限公司 Payment method, device, terminal, and server
CN106445363A (en) * 2016-08-26 2017-02-22 维沃移动通信有限公司 Payment interface startup method and mobile terminal
CN106445363B (en) * 2016-08-26 2020-03-06 维沃移动通信有限公司 Payment interface starting method and mobile terminal
CN108269084A (en) * 2017-01-03 2018-07-10 阿里巴巴集团控股有限公司 A kind of method and device for progress barcode scanning payment on the mobile apparatus
US10990957B2 (en) 2017-01-03 2021-04-27 Advanced New Technologies Co., Ltd. Scan and pay method and device utilized in mobile apparatus
CN107180351A (en) * 2017-04-13 2017-09-19 上海动联信息技术股份有限公司 A kind of off line Dynamic Two-dimensional code generating method, method of payment and equipment
CN107423793A (en) * 2017-04-28 2017-12-01 南京邮电大学 A kind of Quick Response Code generation identification technology of new type of safe
CN107507007A (en) * 2017-08-30 2017-12-22 努比亚技术有限公司 One kind pays 2 D code verification method, terminal and computer-readable recording medium
CN107730260A (en) * 2017-09-30 2018-02-23 努比亚技术有限公司 A kind of method, equipment and terminal realized Quick Response Code and paid
CN107730260B (en) * 2017-09-30 2021-11-02 努比亚技术有限公司 Method, equipment and terminal for realizing two-dimensional code payment
CN108399540A (en) * 2018-01-19 2018-08-14 广东小天才科技有限公司 Barcode scanning method of payment, device, terminal and storage medium based on mobile terminal
CN108399540B (en) * 2018-01-19 2020-12-18 广东小天才科技有限公司 Code scanning payment method and device based on mobile terminal, terminal and storage medium
CN108416400A (en) * 2018-01-31 2018-08-17 杭州晟元数据安全技术股份有限公司 A kind of method of payment and payment system based on dynamic two-dimension code
CN108898206A (en) * 2018-06-11 2018-11-27 上海掌门科技有限公司 A kind of method and barcode scanning safe checking method generating gathering code
CN109214801A (en) * 2018-08-17 2019-01-15 惠龙易通国际物流股份有限公司 A kind of e-payment confirmation method, device and storage medium
CN109214801B (en) * 2018-08-17 2022-01-11 惠龙易通国际物流股份有限公司 Electronic payment confirmation method, device and storage medium
CN110264209A (en) * 2019-04-28 2019-09-20 福建酷享网络科技有限公司 A kind of information processing method and device of intelligent scanning payment

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