CN105590199B - Payment method and payment system based on dynamic two-dimensional code - Google Patents
Payment method and payment system based on dynamic two-dimensional code Download PDFInfo
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Abstract
The invention relates to a payment method and a payment system based on a two-dimensional code. The payment method based on the two-dimensional code comprises the following steps: a transaction information generation step, wherein a merchant terminal generates a static two-dimensional code containing transaction information; a transaction information acquisition step, wherein a cardholder selects a payment card for payment in the application of the mobile terminal, and scans the static two-dimensional code to acquire transaction information; a dynamic two-dimensional code generation step, wherein an application of the mobile terminal identifies the static two-dimensional code and generates a dynamic two-dimensional code based on the static two-dimensional code and card information of the payment card; and a step of acquiring the dynamic two-dimension code, wherein the merchant terminal scans the dynamic two-dimension code and uploads the dynamic two-dimension code to a background system to request payment authorization from a payment mechanism. According to the invention, the payment method and the payment system based on the two-dimensional code, which further guarantee the payment security, can be provided.
Description
Technical Field
The invention relates to the technical field of computer application, in particular to a two-dimensional code payment method and a payment system based on a dynamic two-dimensional code.
Background
The two-dimensional code is a black-white alternate pattern distributed on a plane (two-dimensional direction) according to a certain rule by using a specific geometric pattern, and is a key for all information data. In modern commercial activities, the achievable applications are very wide, such as product anti-counterfeiting/tracing, advertisement pushing, website linking, data downloading, commodity transaction, payment and the like.
For example, patent document 1 (CN 103646327A) discloses a payment method based on a two-dimensional code. The method comprises the following steps:
obtaining card information of a payment card with a payment function;
the user transmits the payment card information to a payment management center through the APP on the mobile phone;
the payment management center generates a two-dimensional code with a payment function according to payment card information transmitted by a user and transmits the two-dimensional code to the cloud server;
the user sends a payment request to a payment management center through the APP during consumption;
after receiving the payment request, the payment management center performs identity authentication;
under the condition of passing the identity authentication, the cloud server generates a corresponding two-dimensional code and transmits the two-dimensional code to the APP;
the APP displays the received two-dimensional code for scanning by a commodity seller;
and transmitting the scanned two-dimension code information to a bank system or a third-party payment system for payment authorization.
In patent document 1, payment is realized based on a static two-dimensional code, which is easily stolen by a lawbreaker and is not highly secure.
Disclosure of Invention
In view of the above problems, the present invention is directed to providing a two-dimensional code-based payment method and a payment system capable of improving payment security.
The payment method based on the two-dimensional code is characterized by comprising the following steps of:
a transaction information generation step, wherein a merchant terminal generates a static two-dimensional code containing transaction information;
a transaction information acquisition step, wherein a cardholder selects a payment card for payment in the application of the mobile terminal, and scans the static two-dimensional code to acquire transaction information;
a dynamic two-dimensional code generation step, wherein an application of the mobile terminal identifies the static two-dimensional code and generates a dynamic two-dimensional code based on the static two-dimensional code and card information of the payment card;
and a step of acquiring the dynamic two-dimension code, wherein the merchant terminal scans the dynamic two-dimension code and uploads the dynamic two-dimension code to a background system to request payment authorization from a payment mechanism.
Preferably, the transaction information includes at least a transaction amount, a merchant code, a transaction time,
the dynamic two-dimensional code has a predetermined validity time.
Preferably, the transaction information acquiring step includes the sub-steps of:
the cardholder opens the application of the mobile terminal and carries out identity authentication, if the application passes the identity authentication, the following steps are continued, otherwise, the background system is informed to prompt the cardholder to have risks;
the cardholder selects a payment card to be paid from the payment cards bound with the application of the mobile terminal;
and the cardholder scans the static two-dimensional code generated by the merchant terminal to acquire transaction information.
Preferably, the step of generating the dynamic two-dimensional code includes the following sub-steps:
the mobile terminal scans the static two-dimensional code and identifies transaction information contained in the static two-dimensional code;
combining the transaction information and card information of a payment card to generate payment information;
and generating a dynamic two-dimensional code according to the payment information.
Preferably, the step of generating the dynamic two-dimensional code includes the following sub-steps:
the mobile terminal scans the static two-dimensional code and identifies transaction information contained in the static two-dimensional code;
combining the transaction information, the card information of the payment card and the fingerprint code to generate payment information;
and generating a dynamic two-dimensional code according to the payment information.
Preferably, the sub-step of generating payment information comprises the steps of:
generating a message authentication code MAC according to the transaction information, the card information of the payment card and the fingerprint code combination to obtain payment information A;
encrypting the payment information A to generate payment information B;
combining the payment information B with specified information to form payment information C;
generating a dynamic two-dimensional code according to the payment information C,
when the dynamic two-dimensional code is generated, the application of the mobile terminal starts to count down, and when the specified effective time is reached, the dynamic two-dimensional code is invalidated and needs to be regenerated.
Preferably, the step of acquiring the dynamic two-dimensional code comprises the following substeps:
the merchant terminal scans the dynamic two-dimensional code;
the merchant terminal uploads the dynamic two-dimensional code to a background system;
the background system analyzes the received dynamic two-dimensional code to obtain payment information;
obtaining transaction information and card information of the payment card according to the payment information and requesting a deduction process to a payment card institution based on the transaction information and the card information of the payment card;
and the background system returns the processing result of the payment mechanism to the merchant terminal.
Preferably, in the transaction information obtaining step, the identity verification performed by the cardholder calls a fingerprint recognizer to read the fingerprint of the person who opens the application of the mobile terminal and obtain a fingerprint code, the application of the mobile terminal verifies the fingerprint to determine whether the fingerprint is the cardholder, if the fingerprint is verified, the following steps are continued, and if the fingerprint is verified, a background system is notified to prompt the cardholder to have a risk.
Preferably, the step of generating the dynamic two-dimensional code includes the following sub-steps:
the mobile terminal scans the static two-dimensional code and identifies transaction information contained in the static two-dimensional code;
combining the transaction information, the card information of the payment card and the fingerprint code to generate payment information;
and generating a dynamic two-dimensional code according to the payment information.
Preferably, the sub-step of generating payment information comprises the steps of:
generating a message authentication code MAC according to the transaction information, the card information of the payment card and the fingerprint code to obtain payment information A;
encrypting the payment information A to generate payment information B;
combining the payment information B with specified information to form payment information C;
generating a dynamic two-dimensional code according to the payment information C,
when the dynamic two-dimensional code is generated, the application of the mobile terminal starts to count down, and when the specified effective time is reached, the dynamic two-dimensional code is invalidated and needs to be regenerated.
Preferably, the step of acquiring the dynamic two-dimensional code comprises the following substeps:
the merchant terminal scans the dynamic two-dimensional code;
the merchant terminal uploads the dynamic two-dimensional code to a background system;
the background system analyzes the received dynamic two-dimensional code to obtain payment information;
acquiring transaction information, card information of a payment card and a fingerprint code according to the payment information;
the background system checks the fingerprint code, if the fingerprint code passes the check, the following steps are continued, and if the fingerprint code does not pass the check, the fingerprint code is directly rejected;
the background system requests a payment card mechanism to deduct money for processing based on the transaction information and the card information of the payment card;
and the background system returns the processing result of the payment mechanism to the merchant terminal.
The payment method based on the two-dimensional code is characterized by comprising the following steps of:
a transaction information generation step, in which a merchant terminal generates transaction information;
a transaction information acquisition step, wherein a cardholder selects a payment card for payment in the application of the mobile terminal and inputs payment amount into the application of the mobile terminal;
a dynamic two-dimensional code generation step, wherein the application of the mobile terminal generates a dynamic two-dimensional code according to the input payment amount and the card information of the payment card;
and a step of acquiring the dynamic two-dimension code, wherein the merchant terminal scans the dynamic two-dimension code and uploads the dynamic two-dimension code to a background system so that a payment mechanism requests payment authorization.
Preferably, the dynamic two-dimensional code has a predetermined validity time.
Preferably, the transaction information acquiring step includes the sub-steps of:
the cardholder opens the application of the mobile terminal and carries out identity authentication, if the application passes the identity authentication, the following steps are continued, otherwise, the background system is informed to prompt the cardholder to have risks;
the cardholder selects a payment card to be paid from the payment cards bound with the application of the mobile terminal;
the cardholder enters the payment amount in an application in the mobile terminal.
Preferably, the step of generating the dynamic two-dimensional code includes the following sub-steps:
the application of the mobile terminal combines the payment amount and the card information of the payment card to generate payment information based on the input payment amount;
and generating a dynamic two-dimensional code according to the payment information.
Preferably, the combining of the payment amount and the card information of the payment card to generate the sub-packet of the payment information comprises the steps of:
combining the payment amount and the card information of the payment card to generate a message authentication code MAC so as to obtain payment information A;
encrypting the payment information A to generate payment information B;
combining the payment information B with specified information to form payment information C;
generating a dynamic two-dimensional code according to the payment information C,
when the dynamic two-dimensional code is generated, the application of the mobile terminal starts to count down, and when the specified effective time is reached, the dynamic two-dimensional code is invalidated and needs to be regenerated.
Preferably, the step of acquiring the dynamic two-dimensional code comprises the following substeps:
the merchant terminal scans the dynamic two-dimensional code;
the merchant terminal uploads the dynamic two-dimensional code and the merchant information to a background system;
the background system analyzes the received dynamic two-dimensional code to obtain payment information;
obtaining the transaction amount and the card information of the payment card according to the payment information;
requesting a payment card mechanism for deduction processing according to the merchant information, the transaction amount and the card information of the payment card;
and the background system returns the processing result of the payment mechanism to the merchant terminal.
Preferably, in the transaction information obtaining step, the identity verification performed by the cardholder calls a fingerprint recognizer to read the fingerprint of the person who wants to open the application of the mobile terminal and obtain a fingerprint code, the fingerprint is verified by the application of the mobile terminal to determine whether the person is the cardholder himself, if the fingerprint passes the verification, the following steps are continued, otherwise, a background system is notified to prompt the cardholder that a risk exists.
Preferably, the step of generating the dynamic two-dimensional code includes the following sub-steps:
combining the payment amount, the card information of the payment card and the fingerprint code to generate payment information;
and generating a dynamic two-dimensional code according to the payment information.
Preferably, the sub-step of generating payment information comprises the steps of:
generating a message authentication code MAC according to the combination to obtain payment information A;
encrypting the payment information A to generate payment information B;
combining the payment information B with specified information to form payment information C;
generating a dynamic two-dimensional code according to the payment information C,
when the dynamic two-dimensional code is generated, the application of the mobile terminal starts to count down, and when the specified effective time is reached, the dynamic two-dimensional code is invalidated and needs to be regenerated.
Preferably, the step of acquiring the dynamic two-dimensional code comprises the following substeps:
the merchant terminal scans the dynamic two-dimensional code;
the merchant terminal uploads merchant information and the dynamic two-dimensional code to a background system;
the background system analyzes the received dynamic two-dimensional code to obtain the transaction amount, the card information of the payment card and the fingerprint code;
the background system checks the fingerprint code, if the fingerprint code passes the check, the following steps are continued, and if the fingerprint code does not pass the check, the fingerprint code is directly rejected;
the background system requests a payment card mechanism for deduction processing based on the transaction amount, the merchant information and the card information of the payment card;
and the background system returns the processing result of the payment mechanism to the merchant terminal.
The payment system based on the two-dimensional code is characterized by comprising the following components: merchant terminal, application of mobile terminal, background system,
wherein the merchant terminal is used for generating a static two-dimensional code containing transaction information, on the other hand, the merchant terminal is also used for reading a dynamic two-dimensional code generated by a mobile terminal and uploading the dynamic two-dimensional code to a background system to request payment authorization,
the application of the mobile terminal is used for reading the static two-dimensional code and generating a dynamic two-dimensional code according to the static two-dimensional code and card information of a payment card,
the background system is used for receiving the dynamic two-dimensional code from the merchant terminal and analyzing the received dynamic two-dimensional code to request payment authorization from a payment mechanism.
Preferably, the transaction information includes at least a transaction amount, a merchant code, a transaction time,
the dynamic two-dimensional code has a predetermined validity time.
Preferably, the mobile terminal further comprises a fingerprint identifier for identifying a fingerprint, wherein the fingerprint identifier is used for reading the fingerprint of the person who opens the application of the mobile terminal and obtaining a fingerprint code, the application of the mobile terminal is further used for verifying the fingerprint code to determine whether the application is a cardholder, if the application passes the verification, the following steps are continued, and otherwise, a background system is notified to prompt the cardholder to have a risk.
Preferably, the application of the mobile terminal is used for the mobile terminal to scan the static two-dimensional code, identify transaction information contained in the static two-dimensional code, combine the transaction information, card information of a payment card and a fingerprint code to generate payment information, and generate a dynamic two-dimensional code according to the payment information.
The payment system based on the two-dimensional code is characterized by comprising the following components: merchant terminal, application of mobile terminal, background system,
wherein the merchant terminal is used for generating transaction information, on the other hand, the merchant terminal is also used for reading a dynamic two-dimensional code generated by the mobile terminal and uploading the read dynamic two-dimensional code to a background system together with merchant information to request payment authorization,
the application of the mobile terminal is used for acquiring the transaction amount and generating a dynamic two-dimensional code according to the acquired transaction amount and the card information of the payment card,
the background system is used for receiving the dynamic two-dimensional code and the merchant information from the merchant terminal, analyzing the received dynamic two-dimensional code to obtain transaction amount and card information of the payment card, and requesting payment authorization to a payment mechanism according to the card information of the payment card, the merchant information and the transaction amount.
Preferably, the dynamic two-dimensional code has a predetermined validity time.
Preferably, the mobile terminal further comprises a fingerprint identifier for identifying a fingerprint, wherein the fingerprint identifier is used for reading the fingerprint of the person who opens the application of the mobile terminal and obtaining a fingerprint code, the application of the mobile terminal is further used for verifying the fingerprint code to determine whether the application is a cardholder, if the application passes the verification, the following steps are continued, otherwise, a background system is notified to prompt the cardholder to have a risk.
Preferably, the application of the mobile terminal is further configured to combine the payment amount, the card information of the payment card, and the fingerprint code to generate payment information, and generate the dynamic two-dimensional code according to the payment information.
In the invention, after the application of the mobile terminal encrypts the payment information, a dynamic two-dimensional code with a certain validity period is generated, the background system analyzes the dynamic two-dimensional code, corresponding decryption and verification are carried out, and then the dynamic two-dimensional code is transferred to a bank or a payment mechanism for deduction operation. In the payment method based on the two-dimension code and the payment system based on the two-dimension code, a mobile network is not required to be relied on, the mobile network cost can be saved for a cardholder, the generated dynamic two-dimension code has high safety, the safety and the reliability of a transaction process can be ensured, and the trouble that the cardholder carries a payment card or a bank card with him can be simultaneously saved.
Further, in the invention, a fingerprint recognizer is further arranged for recognizing the fingerprint of the user, and by performing fingerprint authentication, the loss of the account of the cardholder under the condition that the mobile terminal is stolen can be prevented, and the transaction safety is further improved.
Drawings
Fig. 1 is a schematic flowchart illustrating a two-dimensional code-based payment method according to a first embodiment of the present invention.
Fig. 2 is a schematic flowchart illustrating a two-dimensional code-based payment method according to a second embodiment of the present invention.
Fig. 3 shows a detailed flowchart of the mobile terminal side in the payment method based on the two-dimensional code according to the first embodiment and the second embodiment of the present invention.
Fig. 4 shows a detailed flowchart of the background system side in the payment method based on two-dimensional codes according to the first embodiment and the second embodiment of the present invention.
Fig. 5 shows a detailed flowchart of the mobile terminal side in the payment method based on the two-dimensional code according to the third embodiment of the invention.
Fig. 6 shows a detailed flowchart of the background system side in the payment method based on the two-dimensional code according to the third embodiment of the invention.
Detailed Description
The following description is of some of the several embodiments of the invention and is intended to provide a basic understanding of the invention. It is not intended to identify key or critical elements of the invention or to delineate the scope of the invention.
First embodiment
Fig. 1 is a schematic flowchart illustrating a two-dimensional code-based payment method according to a first embodiment of the present invention.
As shown in fig. 1, the payment method based on two-dimensional code according to the first embodiment of the present invention mainly includes the following processes:
(1) the merchant cash desk scans the commodities to generate transaction information: the two-dimensional code comprises information such as transaction amount, merchant codes and transaction time;
(2) the cardholder enters security information on the mobile terminal (actually the application installed on the mobile terminal), opens the application, and selects the payment card to be used for payment;
(3) a cardholder scans a two-dimensional code containing transaction information generated by a merchant side by using a mobile terminal;
(4) the mobile terminal identifies the two-dimension code and generates a dynamic two-dimension code for payment according to the transaction information. If the payment card is a bank card, the dynamic two-dimensional code includes, for example: bank card number, CVN code, payment amount, merchant code, transaction time, terminal identification code, transaction serial number, message authentication code MAC and the like. Setting a certain effective time of the dynamic two-dimensional code, and automatically invalidating the dynamic two-dimensional code when the effective time is exceeded;
(5) the merchant cashier desk scans the dynamic two-dimensional code and uploads the dynamic two-dimensional code to a background system for processing;
(6) and the background system returns the processing result.
Second embodiment
In the first embodiment, a static two-dimensional code containing information such as transaction amount is generated by a merchant side, and in the second embodiment, the transaction amount is directly input by a cardholder on a mobile terminal side.
Fig. 2 is a schematic flowchart illustrating a two-dimensional code-based payment method according to a second embodiment of the present invention.
As shown in fig. 2, a payment method based on two-dimensional code according to a second embodiment of the present invention mainly includes the following processes:
(1) the merchant cashier desk scans the commodities to generate transaction information;
(2) after the identity of a cardholder is verified on a mobile terminal, opening an application installed on the mobile terminal and selecting a payment card for payment;
(3) a cardholder inputs payment amount by using a mobile terminal;
(4) the mobile terminal application generates a dynamic two-dimensional code for payment according to the payment amount, and if the payment card is a bank card, the dynamic two-dimensional code is as follows: the system comprises information such as a bank card number, a CVN (composite payment network) code, payment amount, transaction time, a terminal identification code, a transaction serial number, a safety check code and the like. The dynamic two-dimensional code has certain effective time, and is automatically invalidated when the effective time is exceeded;
(5) the merchant cashier desk scans the payment dynamic two-dimensional code and uploads the payment dynamic two-dimensional code to a background system for background processing;
(6) and the background system returns the processing result.
Fig. 3 shows a detailed flowchart of the mobile terminal side in the payment method based on the two-dimensional code according to the first embodiment and the second embodiment of the present invention.
As shown in fig. 3, the specific flow at the mobile terminal side is as follows:
1. the cardholder opens the mobile terminal application and enters the user credentials. Here, the user credentials may be a combination of a user name and a gesture password, a digital password, etc., and are stored locally through encryption.
2. And the application verifies whether the user credential is correct, if so, the application continues, and otherwise, an error is prompted. If the user has errors for many times, the application is locked, and the background system is informed through the modes of network or short messages and the like. The background system prompts risks to the cardholder through the cardholder reservation information.
3. The application checks whether the system encryption key needs to be updated, and if the key is expired, the key is updated. The encryption key is used to generate the message authentication code MAC in step 8 below.
4. The cardholder selects a bank card for payment. The bank card information passes the verification in advance and is encrypted and stored locally without inputting the password again by the user. After the user adds the bank card for a certain time, the user needs to input the related information again to perform secondary activation.
5. The camera of the cardholder's mobile terminal scans the transaction information provided by the merchant (in the case of the first embodiment) or enters the transaction amount directly (in the case of the second embodiment).
6. The step has two modes:
a) analyzing the scanned transaction information to extract information such as a merchant code, a merchant name, a transaction amount, and the like (in the case of the first embodiment);
b) the user enters the amount to be paid directly on the application (case of the second embodiment).
7. The application of the mobile terminal combines payment information according to the step 5 information, for example, in the case of a bank card, the payment information includes: bank card number, CVN code, payment amount, transaction time, terminal identification code, transaction serial number, merchant number (if any), etc.
8. And the application of the mobile terminal generates a message authentication code MAC according to the payment information combined in the step 7. Here, the information participating in the calculation of the message authentication code MAC, such as the bank card number, CVN code, payment amount, transaction time, terminal identification code, transaction serial number, and merchant number, needs to be selected according to a predetermined agreement. A symmetric encryption algorithm or an irreversible encryption algorithm such as 3DES, AES, RC5, MD5, etc. is used. The principle of realizing the authentication of the message authentication code MAC is to use a public function and a secret key to generate a fixed-length value as an authentication identifier, use the identifier to authenticate the integrity of the message, use a secret key to generate a small data block with a fixed size, namely the MAC, add the small data block into the message and then transmit the small data block, and a receiver uses the secret key shared by the receiver and the sender to perform authentication and the like.
9. And combining into payment information A according to the result of the step 8. Further, the information a is encrypted, and a secure asymmetric encryption algorithm, such as RSA, is used to obtain encrypted payment information B. Then, the user number or other appointed information is further adopted to be combined with the encrypted payment information B to form final payment information C. The user number refers to that a background system allocates a user id when a user registers, and the user id is used for the background system to search a corresponding key, and other appointed information includes a mobile phone number, a mailbox address, a random character string and the like.
10. And generating a dynamic two-dimensional code according to the final payment information C generated in the step 9.
11. After the dynamic two-dimensional code is generated, the application will count down, and when the count down is finished, the dynamic two-dimensional code is invalidated and needs to be generated again.
Fig. 4 shows a detailed flowchart of the background system side in the payment method based on two-dimensional codes according to the first embodiment and the second embodiment of the present invention.
As shown in fig. 4, the specific process at the background system side in the payment method based on the two-dimensional code according to the first and second embodiments of the present invention is as follows:
1. and the background system analyzes the received merchant message, identifies the merchant information and verifies the merchant information.
2. And the background system analyzes the payment two-dimensional code, namely the dynamic two-dimensional code, and identifies the user number or other appointed information and the encrypted payment information. And (4) verifying the user number, and if the user number is incorrect in state, directly returning to fail.
3. And identifying the user according to the user number or other appointed information. And acquiring a decryption key according to the setting of the user, and then decrypting the payment information by using the selected asymmetric encryption algorithm to acquire plaintext payment information and MAC.
4. And checking whether the transaction time in the payment information is within the valid period, and if the transaction time is out of date, directly rejecting the transaction.
5. The MAC is verified based on the decrypted information and the selected encryption algorithm. If the MAC verification fails, the direct response fails, and if the MAC verification succeeds, the direct response continues.
6. And carrying out deduction pretreatment. For example, a deduction request message is organized according to an agreement with a bank or a payment mechanism.
7. And carrying out deduction processing on the bank or the payment mechanism, and returning a merchant processing result according to the processing result of the bank or the payment mechanism.
In the first embodiment and the second embodiment, after the application of the mobile terminal encrypts the payment information, a dynamic two-dimensional code with a certain validity period is generated, the background system analyzes the dynamic two-dimensional code, and performs corresponding decryption and verification, and then the mobile terminal transfers the dynamic two-dimensional code to a bank or a payment mechanism to perform a money deduction operation. In the payment method based on the two-dimension code, the mobile network cost can be saved for the card holder without depending on a mobile network, the generated dynamic two-dimension code has high safety, the transaction process is safe and reliable, the transaction safety can be ensured, and the trouble that the card holder carries a payment card or a bank card with the card holder can be saved.
Third embodiment
The third embodiment is to add a fingerprint recognition technology to the first embodiment or the second embodiment.
Fig. 5 shows a detailed flowchart of the mobile terminal side in the payment method based on the two-dimensional code according to the third embodiment of the invention.
As shown in fig. 5, a specific flow at the mobile terminal side in the payment method based on the two-dimensional code according to the third embodiment of the present invention is as follows:
1. the cardholder opens the application of the mobile terminal, and the application calls the fingerprint identifier to read the user fingerprint.
2. And the application verifies the read fingerprint, and if the verification fails, an error is prompted.
3. The application checks whether the system encryption key needs to be updated, and if the key is expired, the key is updated.
4. The cardholder selects a payment card for payment. The payment card information passes the verification in advance and is encrypted and stored locally without inputting the password again by the user. After the user adds the payment card for a certain time, the user needs to input the related information again to perform secondary activation.
5. The cardholder scans the transaction information provided by the merchant through the camera of the mobile terminal or directly inputs the transaction amount.
6. The step has two modes:
a) analyzing the scanned transaction information to extract information such as a merchant code, a merchant name, a transaction amount and the like (based on the first embodiment);
b) the user enters the amount to be paid directly on the application (case based on the second embodiment).
7. The application combines payment information according to the step 1 and step 5 information, which in case the payment card is a bank, for example: bank card number, CVN code, payment amount, transaction time, terminal identification code, transaction serial number, merchant number (if any), fingerprint code, etc.
8. And generating a message authentication code MAC by the application according to the payment information combined in the step 7. Here, the information participating in the calculation of the MAC needs to be selected according to a predetermined agreement, and in the case where the payment card is a bank, the payment card number, the CVN code, the payment amount, the transaction time, the terminal identification code, the transaction serial number, the merchant number, and the fingerprint code, for example. A symmetric encryption algorithm or an irreversible encryption algorithm such as 3DES, AES, RC5, MD5, etc. is used.
9. And combining into payment information A according to the result of the step 8. And encrypting the information A, and obtaining encrypted payment information B by adopting a safe asymmetric encryption algorithm, such as RSA and the like. The user number or other appointment information and the encrypted payment information B are combined into final payment information C.
10. And generating a dynamic two-dimensional code according to the final payment information C generated in the step 9.
11. After the dynamic two-dimensional code is generated, the application will count down, and when the count down is finished, the two-dimensional code is invalidated and needs to be generated again.
Fig. 6 shows a detailed flowchart of the background system side in the payment method based on the two-dimensional code according to the third embodiment of the invention.
As shown in fig. 6, a specific process at the background system side in the payment method based on the two-dimensional code according to the third embodiment of the present invention is as follows:
1. and the background system analyzes the received merchant message, identifies the merchant information and verifies the merchant information.
2. And the background system analyzes the dynamic two-dimensional code and identifies the user number or other appointed information and the encrypted payment information. And (4) verifying the user number, and if the user number is incorrect in state, directly returning to fail.
3. And identifying the user according to the user number or other appointed information. And acquiring a decryption key according to the setting of the user, and then decrypting the payment information by using the selected asymmetric encryption algorithm to acquire plaintext payment information and MAC.
4. And checking whether the transaction time in the payment information is within the valid period, and if the transaction time is out of date, directly rejecting the transaction.
5. The MAC is verified based on the decrypted information and the selected encryption algorithm. If the MAC verification fails, the direct response fails, and if the MAC verification succeeds, the direct response continues.
6. And checking the fingerprint code, and if the fingerprint code does not pass the fingerprint check, directly rejecting the fingerprint code.
7. And carrying out deduction pretreatment. For example, a deduction request message is organized according to an agreement with a bank or a payment mechanism.
8. And carrying out deduction processing on the bank or the payment mechanism, and returning a processing result of the mobile terminal according to the processing result of the bank or the payment mechanism.
9. The processing result content comprises: payment result, authorization code, serial number, transaction time, issuer number, issuer, payment card number, transaction type, credential number, reference number, payment amount, MAC, etc. The processing result is encrypted by an encryption mode appointed by the merchant, and 3DES, AES, RSA and the like can be adopted. And generating a response two-dimensional code according to the processing result, so that the merchant can scan conveniently.
10. And the merchant cashier desk analyzes the response two-dimensional code and finishes the transaction according to the payment result.
In a third embodiment, a method for payment by using a fingerprint and a dynamic two-dimensional code is provided, in which an application of a mobile terminal is used to read fingerprint information, and the fingerprint information and payment information are combined to generate the dynamic two-dimensional code with a certain validity period. And the payment background analyzes the dynamic two-dimensional code, correspondingly decrypts and verifies the dynamic two-dimensional code, and then transfers the dynamic two-dimensional code to a bank or a payment mechanism for deduction operation. In the third embodiment, the generated dynamic two-dimensional code has uniqueness and high security, and therefore, the security of the transaction can be ensured. Moreover, in the third embodiment, the fingerprint of the cardholder is verified, so that the loss of funds of the cardholder caused by embezzlement of the mobile terminal can be further prevented, and the security of the transaction is improved.
The following is a brief description of the two-dimensional code based payment system of the present invention.
The two-dimensional code-based payment system of the first aspect of the present invention includes: merchant terminal, application of mobile terminal, background system.
The merchant terminal is used for generating a static two-dimensional code containing transaction information, and on the other hand, the merchant terminal is also used for reading a dynamic two-dimensional code generated by a mobile terminal and uploading the dynamic two-dimensional code to a background system to request payment authorization, an application of the mobile terminal is used for reading the static two-dimensional code and generating the dynamic two-dimensional code according to the static two-dimensional code and based on the static two-dimensional code, and the background system is used for accepting the dynamic two-dimensional code from the merchant terminal and analyzing the accepted dynamic two-dimensional code to request payment authorization from a payment mechanism.
Preferably, the transaction information at least includes transaction amount, merchant code and transaction time, and the dynamic two-dimensional code has a specified valid time.
Preferably, the mobile terminal further comprises a fingerprint identifier for identifying a fingerprint, wherein the fingerprint identifier is used for reading the fingerprint of the person who opens the application of the mobile terminal and obtaining a fingerprint code, the application of the mobile terminal is further used for verifying the fingerprint code to determine whether the application is a cardholder, if the application passes the verification, the following steps are continued, and otherwise, a background system is notified to prompt the cardholder to have a risk.
Preferably, the application of the mobile terminal is used for the mobile terminal to scan the static two-dimensional code, identify transaction information contained in the static two-dimensional code, combine the transaction information, card information of a payment card and a fingerprint code to generate payment information, and generate a dynamic two-dimensional code according to the payment information.
The two-dimensional code payment system of the second aspect of the present invention is characterized by including: merchant terminal, application of mobile terminal, background system. The merchant terminal is used for generating transaction information, and on the other hand, the merchant terminal is also used for reading a dynamic two-dimensional code generated by a mobile terminal and uploading the read dynamic two-dimensional code together with merchant information to a background system to request payment authorization, the application of the mobile terminal is used for acquiring transaction amount and generating the dynamic two-dimensional code according to the acquired transaction amount and card information of a payment card, the background system is used for receiving the dynamic two-dimensional code and the merchant information from the merchant terminal and analyzing the received dynamic two-dimensional code to obtain the transaction amount and the card information of the payment card, and the payment authorization is requested to a payment mechanism according to the card information of the payment card, the merchant information and the transaction amount.
Preferably, the dynamic two-dimensional code has a predetermined validity time.
Preferably, the mobile terminal further comprises a fingerprint identifier for identifying a fingerprint, wherein the fingerprint identifier is used for reading the fingerprint of the person who opens the application of the mobile terminal and obtaining a fingerprint code, the application of the mobile terminal is further used for verifying the fingerprint code to determine whether the application is a cardholder, if the application passes the verification, the following steps are continued, otherwise, a background system is notified to prompt the cardholder to have a risk.
Preferably, the application of the mobile terminal is further configured to combine the payment amount, the card information of the payment card, and the fingerprint code to generate payment information, and generate the dynamic two-dimensional code according to the payment information.
The above examples mainly illustrate the payment method and payment system based on two-dimensional codes of the present invention. Although only a few embodiments of the present invention have been described in detail, those skilled in the art will appreciate that the present invention may be embodied in many other forms without departing from the spirit or scope thereof. Accordingly, the present examples and embodiments are to be considered as illustrative and not restrictive, and various modifications and substitutions may be made therein without departing from the spirit and scope of the present invention as defined by the appended claims.
Claims (21)
1. A payment method based on two-dimension codes is characterized by comprising the following steps:
a transaction information generation step, wherein a merchant terminal generates a static two-dimensional code containing transaction information;
a transaction information acquisition step, wherein a cardholder selects a payment card for payment in the application of the mobile terminal, and scans the static two-dimensional code to acquire transaction information;
a dynamic two-dimensional code generation step, wherein an application of the mobile terminal identifies the static two-dimensional code and generates a dynamic two-dimensional code based on the static two-dimensional code and card information of the payment card;
a dynamic two-dimension code obtaining step, wherein the merchant terminal scans the dynamic two-dimension code and uploads the dynamic two-dimension code to a background system to request payment authorization from a payment mechanism,
wherein the dynamic two-dimensional code has a predetermined valid time,
wherein, the step of generating the dynamic two-dimensional code comprises the following substeps:
the mobile terminal scans the static two-dimensional code and identifies transaction information contained in the static two-dimensional code;
combining the transaction information, card information of a payment card and a fingerprint code to generate payment information;
and generating a dynamic two-dimensional code according to the payment information.
2. The two-dimensional code based payment method of claim 1,
the transaction information at least comprises transaction amount, merchant code and transaction time.
3. The two-dimensional code-based payment method of claim 2,
the transaction information acquisition step includes the substeps of:
the cardholder opens the application of the mobile terminal and carries out identity authentication, if the application passes the identity authentication, the following steps are continued, otherwise, the background system is informed to prompt the cardholder to have risks;
the cardholder selects a payment card to be paid from the payment cards bound with the application of the mobile terminal;
and the cardholder scans the static two-dimensional code generated by the merchant terminal to acquire transaction information.
4. The two-dimensional code based payment method of claim 1,
the sub-step of generating payment information comprises the steps of:
generating a message authentication code MAC according to the transaction information, the card information of the payment card and the fingerprint code combination to obtain payment information A;
encrypting the payment information A to generate payment information B;
combining the payment information B with specified information to form payment information C;
generating a dynamic two-dimensional code according to the payment information C,
when the dynamic two-dimensional code is generated, the application of the mobile terminal starts to count down, and when the specified effective time is reached, the dynamic two-dimensional code is invalidated and needs to be regenerated.
5. The two-dimensional code based payment method of claim 4,
the step of acquiring the dynamic two-dimensional code comprises the following substeps:
the merchant terminal scans the dynamic two-dimensional code;
the merchant terminal uploads the dynamic two-dimensional code to a background system;
the background system analyzes the received dynamic two-dimensional code to obtain payment information;
obtaining transaction information and card information of the payment card according to the payment information and requesting a deduction process to a payment card institution based on the transaction information and the card information of the payment card;
and the background system returns the processing result of the payment mechanism to the merchant terminal.
6. The two-dimensional code based payment method of claim 3,
in the step of acquiring the transaction information, the identity verification performed by the cardholder calls a fingerprint recognizer to read the fingerprint of the person who opens the application of the mobile terminal and obtain a fingerprint code, the application of the mobile terminal verifies the fingerprint to judge whether the fingerprint is the cardholder, if the fingerprint is verified, the following steps are continued, and if the fingerprint is verified, a background system is informed to prompt the cardholder to have risks.
7. The two-dimensional code based payment method of claim 6,
the step of generating the dynamic two-dimensional code comprises the following substeps:
the mobile terminal scans the static two-dimensional code and identifies transaction information contained in the static two-dimensional code;
combining the transaction information, the card information of the payment card and the fingerprint code to generate payment information;
and generating a dynamic two-dimensional code according to the payment information.
8. The two-dimensional code based payment method of claim 7,
the sub-step of generating payment information comprises the steps of:
generating a message authentication code MAC according to the transaction information, the card information of the payment card and the fingerprint code to obtain payment information A;
encrypting the payment information A to generate payment information B;
combining the payment information B with specified information to form payment information C;
generating a dynamic two-dimensional code according to the payment information C,
when the dynamic two-dimensional code is generated, the application of the mobile terminal starts to count down, and when the specified effective time is reached, the dynamic two-dimensional code is invalidated and needs to be regenerated.
9. The two-dimensional code based payment method of claim 8,
the step of acquiring the dynamic two-dimensional code comprises the following substeps:
the merchant terminal scans the dynamic two-dimensional code;
the merchant terminal uploads the dynamic two-dimensional code to a background system;
the background system analyzes the received dynamic two-dimensional code to obtain payment information;
acquiring transaction information, card information of a payment card and a fingerprint code according to the payment information;
the background system checks the fingerprint code, if the fingerprint code passes the check, the following steps are continued, and if the fingerprint code does not pass the check, the fingerprint code is directly rejected;
the background system requests a payment card mechanism to deduct money for processing based on the transaction information and the card information of the payment card;
and the background system returns the processing result of the payment mechanism to the merchant terminal.
10. A payment method based on two-dimension codes is characterized by comprising the following steps:
a transaction information generation step, in which a merchant terminal generates transaction information;
a transaction information acquisition step, wherein a cardholder selects a payment card for payment in the application of the mobile terminal and inputs payment amount into the application of the mobile terminal;
a dynamic two-dimensional code generation step, wherein the application of the mobile terminal generates a dynamic two-dimensional code according to the input payment amount and the card information of the payment card;
a dynamic two-dimension code obtaining step, wherein the merchant terminal scans the dynamic two-dimension code and uploads the dynamic two-dimension code to a background system to request payment authorization by a payment mechanism,
wherein the dynamic two-dimensional code has a predetermined valid time,
wherein, the step of generating the dynamic two-dimensional code comprises the following substeps:
the application of the mobile terminal combines the payment amount, the card information of the payment card and the fingerprint code to generate payment information based on the input payment amount;
and generating a dynamic two-dimensional code according to the payment information.
11. The two-dimensional code-based payment method of claim 10,
the transaction information acquisition step includes the substeps of:
the cardholder opens the application of the mobile terminal and carries out identity authentication, if the application passes the identity authentication, the following steps are continued, otherwise, the background system is informed to prompt the cardholder to have risks;
the cardholder selects a payment card to be paid from the payment cards bound with the application of the mobile terminal;
the cardholder enters the payment amount in an application in the mobile terminal.
12. The two-dimensional code-based payment method of claim 10,
combining the payment amount and the card information of the payment card to generate the sub-packet of the payment information includes the steps of:
combining the payment amount and the card information of the payment card to generate a message authentication code MAC so as to obtain payment information A;
encrypting the payment information A to generate payment information B;
combining the payment information B with specified information to form payment information C;
generating a dynamic two-dimensional code according to the payment information C,
when the dynamic two-dimensional code is generated, the application of the mobile terminal starts to count down, and when the specified effective time is reached, the dynamic two-dimensional code is invalidated and needs to be regenerated.
13. The two-dimensional code based payment method of claim 12,
the step of acquiring the dynamic two-dimensional code comprises the following substeps:
the merchant terminal scans the dynamic two-dimensional code;
the merchant terminal uploads the dynamic two-dimensional code and the merchant information to a background system;
the background system analyzes the received dynamic two-dimensional code to obtain payment information;
obtaining the transaction amount and the card information of the payment card according to the payment information;
requesting a payment card mechanism for deduction processing according to the merchant information, the transaction amount and the card information of the payment card;
and the background system returns the processing result of the payment mechanism to the merchant terminal.
14. The two-dimensional code based payment method of claim 11,
in the transaction information acquisition step, the identity verification performed by the cardholder calls a fingerprint recognizer to read the fingerprint of the person who needs to open the application of the mobile terminal and obtain a fingerprint code, the fingerprint is verified by the application of the mobile terminal to judge whether the person is the cardholder himself or herself, if the fingerprint passes the verification, the following steps are continued, and otherwise, a background system is notified to prompt the cardholder that the risk exists.
15. The two-dimensional code-based payment method of claim 10,
the sub-step of generating payment information comprises the steps of:
generating a message authentication code MAC according to the combination to obtain payment information A;
encrypting the payment information A to generate payment information B;
combining the payment information B with specified information to form payment information C;
generating a dynamic two-dimensional code according to the payment information C,
when the dynamic two-dimensional code is generated, the application of the mobile terminal starts to count down, and when the specified effective time is reached, the dynamic two-dimensional code is invalidated and needs to be regenerated.
16. The two-dimensional code based payment method of claim 15,
the step of acquiring the dynamic two-dimensional code comprises the following substeps:
the merchant terminal scans the dynamic two-dimensional code;
the merchant terminal uploads merchant information and the dynamic two-dimensional code to a background system;
the background system analyzes the received dynamic two-dimensional code to obtain the transaction amount, the card information of the payment card and the fingerprint code;
the background system checks the fingerprint code, if the fingerprint code passes the check, the following steps are continued, and if the fingerprint code does not pass the check, the fingerprint code is directly rejected;
the background system requests a payment card mechanism for deduction processing based on the transaction amount, the merchant information and the card information of the payment card;
and the background system returns the processing result of the payment mechanism to the merchant terminal.
17. A payment system based on two-dimensional codes is characterized by comprising: merchant terminal, application of mobile terminal, background system,
wherein the merchant terminal is used for generating a static two-dimensional code containing transaction information, on the other hand, the merchant terminal is also used for reading a dynamic two-dimensional code generated by a mobile terminal and uploading the dynamic two-dimensional code to a background system to request payment authorization,
the application of the mobile terminal is used for reading the static two-dimensional code and generating a dynamic two-dimensional code according to the static two-dimensional code and card information of a payment card,
the backend system is configured to accept the dynamic two-dimensional code from the merchant terminal and to parse the accepted dynamic two-dimensional code to request payment authorization from a payment authority,
wherein the dynamic two-dimensional code has a predetermined valid time,
the application of the mobile terminal is used for scanning the static two-dimensional code by the mobile terminal, identifying transaction information contained in the static two-dimensional code, combining the transaction information, card information of a payment card and fingerprint codes to generate payment information, and generating a dynamic two-dimensional code according to the payment information.
18. The two-dimensional code based payment system of claim 17,
the transaction information at least comprises transaction amount, merchant code and transaction time.
19. The two-dimensional code based payment system of claim 18,
the mobile terminal is also provided with a fingerprint recognizer for recognizing fingerprints, wherein the fingerprint recognizer is used for reading the fingerprints of the people who open the mobile terminal application and obtaining a fingerprint code,
the application of the mobile terminal is also used for verifying the texture code to judge whether the texture code is a card holder, if the texture code passes the verification, the following steps are continued, otherwise, a background system is informed to prompt the card holder that the risk exists.
20. A payment system based on two-dimensional codes is characterized by comprising: merchant terminal, application of mobile terminal, background system,
wherein the merchant terminal is used for generating transaction information, on the other hand, the merchant terminal is also used for reading a dynamic two-dimensional code generated by the mobile terminal and uploading the read dynamic two-dimensional code to a background system together with merchant information to request payment authorization,
the application of the mobile terminal is used for acquiring the transaction amount and generating a dynamic two-dimensional code according to the acquired transaction amount and the card information of the payment card,
the background system is used for receiving the dynamic two-dimensional code and the merchant information from the merchant terminal, analyzing the received dynamic two-dimensional code to obtain transaction amount and card information of the payment card, and requesting payment authorization to a payment mechanism according to the card information of the payment card, the merchant information and the transaction amount;
wherein the dynamic two-dimensional code has a predetermined valid time,
the application of the mobile terminal is also used for combining payment amount, card information of a payment card and a fingerprint code to generate payment information, and generating a dynamic two-dimensional code according to the payment information.
21. The two-dimensional code based payment system of claim 20,
the mobile terminal is also provided with a fingerprint recognizer for recognizing fingerprints, wherein the fingerprint recognizer is used for reading the fingerprints of the people who open the mobile terminal application and obtaining a fingerprint code,
the application of the mobile terminal is also used for verifying the fingerprint code to judge whether the fingerprint code is a card holder, if the fingerprint code passes the verification, the following steps are continued, otherwise, a background system is informed to prompt the card holder that the risk exists.
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