CN105868981A - Mobile payment method and system - Google Patents

Mobile payment method and system Download PDF

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Publication number
CN105868981A
CN105868981A CN201610219591.0A CN201610219591A CN105868981A CN 105868981 A CN105868981 A CN 105868981A CN 201610219591 A CN201610219591 A CN 201610219591A CN 105868981 A CN105868981 A CN 105868981A
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China
Prior art keywords
information
mobile terminal
identification code
encrypted message
businessman
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Pending
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CN201610219591.0A
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Chinese (zh)
Inventor
于世浩
王宗斌
曲展
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Million Fusion Information Technology (beijing) Co Ltd
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Million Fusion Information Technology (beijing) Co Ltd
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Publication date
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Priority to CN201610219591.0A priority Critical patent/CN105868981A/en
Publication of CN105868981A publication Critical patent/CN105868981A/en
Pending legal-status Critical Current

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3274—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity 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 Networks & Wireless Communication (AREA)
  • Computer Security & Cryptography (AREA)
  • Finance (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)

Abstract

The embodiments of the invention bring forward a mobile payment method and system. The method comprises the following steps: 1, a mobile terminal generating an identification code locally, wherein the identification code is generated by the mobile terminal according to security parameters through an sm3-topt encryption algorithm, and the security parameters at least comprise Token identity information, cipher information and time stamp information; 2, a trade company, after obtaining the identification code from the mobile terminal through a scanning machine, sending the identification code and a consumption sum to a preset server for authentication; and 3, the server, after receiving an authentication request sent by the trade company, decrypting the identification code so as to obtain the Token identity information, the cipher information and the time stamp information of the mobile terminal, verify the Token identity information, the cipher information and the time stamp information and after verification succeeds, carry out payment and return success information to the trade company first.

Description

A kind of method of mobile payment, system
Technical field
The present invention relates to communication technical field, particularly relate to a kind of method of mobile payment, system.
Background technology
Development along with society, intelligent mobile terminal becomes very important part in people's life by its disposal ability and ability to communicate, more and more important information are stored in intelligent mobile terminal, and increasing work is completed by mobile terminal.Mobile payment can be greatly enhanced the convenience of payment, and people are without carrying buckets of cash, credit card, and only rely on and just can complete by means of mobile terminal to pay.The realization of mobile payment depends on security and the security of data transmission of mobile terminal operating system, and its idiographic flow includes:
The i.e. mobile terminal of user obtains the identification code of symbol user identity from corresponding server, and this identification code can be bar code or Quick Response Code or other any forms.After this identification code is scanned by the scanning read-write implement of POS in businessman, to the validity of corresponding this identification code of server authentication, the most then server end realizes electronic cash between user and businessman, and then notice businessman and user withhold successfully.In order to improve security, it is stolen to prevent that the generally recognized code is designed with certain term of validity.It can thus be seen that user and businessman all must realize mobile payment in the region with Internet communication capacity, do not support without the barcode scanning payment flow under network or vulnerable network environment.
Generally in basement or large-sized reinforced concrete are built, wireless signal can be interfered and cause mobile terminal to cannot be carried out data communication, and therefore a lot of businessmans need to prepare for consumer WiFi Access environment to guarantee that user can use data communication.But prior art almost cannot realize only allow user to use WiFi Move payment and do not allow to access other networks, be accomplished by the network insertion service of businessman's big bandwidth of purchase in order to promote Consumer's Experience, so cause the cost of businessman to sharply increase.
Summary of the invention
The problem that cannot be carried out mobile payment for mobile terminal in prior art in the case of data access is not smooth, the purpose of the present invention is to propose to a kind of method of mobile payment, system, it is possible to complete reliable mobile payment in the case of without network.
To achieve these goals, embodiments provide a kind of method of mobile payment, including:
Step 1 , mobile terminal be locally generated identification code, described identification code is to be passed through according to security parameter by mobile terminal sm3-totp AES generates, and wherein said security parameter at least includes: Token Identity information, encrypted message, timestamp information；
Step 2 , businessman by scanning facility after this identification code of this acquisition for mobile terminal send out, the server that this identification code and spending amount are sent collectively to preset is authenticated；
Step 3 , server receive businessman initiate certification request after, be decrypted to obtain mobile terminal to described identification code Token Identity information, encrypted message, timestamp information, and to described Token Identity information, encrypted message, timestamp information are verified, carry out paying and first returning success to businessman after being verified.
Wherein, described identification code be Quick Response Code and / Or bar code.
Wherein, described step 1 Specifically include:
Step 11 , user by mobile terminal input encrypted message, mobile terminal read temporal information to generate timestamp, and described mobile terminal read with store Token Identity information；
Step 12 , utilize described Token Identity information, encrypted message, timestamp information, use sm3-totp AES generates identification code.
Wherein, described step 3 Specifically include:
Step 31 , server receive businessman initiate certification request after, be decrypted to obtain mobile terminal to described identification code Token Identity information, encrypted message, timestamp information；
Step 32 , to described Token Identity information, encrypted message, timestamp information are verified, if authentication failed, return to merchant transaction failure information；
Step 33 , obtain spending amount and the account balance of user that businessman sends, it is judged that whether the account balance of this user more than spending amount, if otherwise returning to merchant transaction failure information；
Step 34 , withhold the most backward businessman return announcement information.
Meanwhile, the embodiment of the present invention also proposed a kind of mobile-payment system, including:
Mobile terminal, is used for being locally generated identification code, and described identification code is to be passed through according to security parameter by mobile terminal sm3-totp AES generates, and wherein said security parameter at least includes: Token Identity information, encrypted message, timestamp information；
Businessman's cash device, for being sent out after this identification code of this acquisition for mobile terminal by scanning facility, is authenticated the server that this identification code and spending amount are sent collectively to preset；
Server, for, after receiving the certification request that businessman initiates, being decrypted to obtain mobile terminal to described identification code Token Identity information, encrypted message, timestamp information, and to described Token Identity information, encrypted message, timestamp information are verified, carry out paying and first returning success to businessman after being verified.
Wherein, described identification code be Quick Response Code and / Or bar code.
Wherein, the following operation of described mobile terminal execution:
User inputs encrypted message by mobile terminal, and mobile terminal reading temporal information is to generate timestamp, and described mobile terminal reads and storage Token Identity information；
Utilize described Token Identity information, encrypted message, timestamp information, use sm3-totp AES generates identification code.
Wherein, the following operation of described server execution:
Described identification code, after receiving the certification request that businessman initiates, is decrypted to obtain mobile terminal by step server Token Identity information, encrypted message, timestamp information；
To described Token Identity information, encrypted message, timestamp information are verified, if authentication failed, return to merchant transaction failure information；
Obtain spending amount and the account balance of user that businessman sends, it is judged that whether the account balance of this user is more than spending amount, if otherwise returning to merchant transaction failure information；
Withhold the most backward businessman return announcement information.
Technical scheme has the advantage that in technique scheme, mobile terminal can be locally generated the identification code of encryption by security parameter, and once complete data transmission by the network of businessman, to realize completing mobile payment in the case of mobile terminal is without mobile network.
Accompanying drawing explanation
Be will become clearer from by the description below in conjunction with the accompanying drawings a preferred embodiment of the present invention carried out, technical scheme and technique effect thereof, and more easily understand.Wherein:
Figure 1 Schematic flow sheet for the embodiment of the present invention.
Detailed description of the invention
Below with reference to appended accompanying drawing, a preferred embodiment of the present invention is described.
Wherein Token It is a kind of common auth method, uses at great majority Web API Internet firm in all use token Auth method, it is the best mode processing certification under multi-user, has the advantage that stateless, expansible；Support mobile device；Across routine call；Safety.Existing based on Token The process of authentication as follows :
1. User sends request by username and password；
2. Program verification；
3. Program returns a signature token To client；
4. Client stores token, And every time for sending request every time；
5. Service end is verified token And return data.
Request each time in auth method is required for token , wherein token Should be HTTP Head send thus ensure that Http Request stateless.
In the embodiment of the present invention based on Token Auth method, and will Token Use together with encrypted message and timestamp information sm3-totp AES be encrypted after generate identification code, with the reliability guaranteed payment.Concrete grammar such as figure 1 Shown, including:
Step 1 , user by mobile terminal input security parameter, mobile terminal passes through according to security parameter sm3-totp AES generate, wherein said security parameter at least includes: Token Identity information, encrypted message, timestamp information；
Step 2 , businessman by scanning facility from this identification code of this acquisition for mobile terminal；
Step 3 , businessman input dealing money；
Step 4 , the server that this identification code and spending amount are sent collectively to preset is authenticated by businessman；
Step 5 , server after receiving the identification code that businessman sends, be decrypted identification code reversely to obtain in identification code Token Identity information, encrypted message, timestamp information；The most right Token Identity information is verified, if being proved to be successful step of turning round 6 If, authentication failed, jump to step 10 ；
Step 6 , encrypted message is verified, if being proved to be successful step of turning round 7 If, authentication failed, jump to step 10 ；
Step 7 , judge that the account balance of this user, whether more than spending amount, if it is jumps to step 8 If otherwise jumping to step 10 ；
Step 8 , generate order；
Step 9 , operation that the account of this user withholdd；
Step 10 , return announcement information with know no whether the most successfully.
Wherein, this identification code can be Quick Response Code or bar code or other any recognizable forms.
Concrete, it is also possible to also send a notification message to mobile terminal, so that mobile terminal can know payment information after reconnecting to network.
Meanwhile, the embodiment of the present invention also proposed a kind of mobile-payment system, including:
Mobile terminal, is used for being locally generated identification code, and described identification code is to be passed through according to security parameter by mobile terminal sm3-totp AES generates, and wherein said security parameter at least includes: Token Identity information, encrypted message, timestamp information；
Businessman's cash device, for being sent out after this identification code of this acquisition for mobile terminal by scanning facility, is authenticated the server that this identification code and spending amount are sent collectively to preset；
Server, for, after receiving the certification request that businessman initiates, being decrypted to obtain mobile terminal to described identification code Token Identity information, encrypted message, timestamp information, and to described Token Identity information, encrypted message, timestamp information are verified, carry out paying and first returning success to businessman after being verified.
Wherein, described identification code be Quick Response Code and / Or bar code.
Wherein, the following operation of described mobile terminal execution:
User inputs encrypted message by mobile terminal, and mobile terminal reading temporal information is to generate timestamp, and described mobile terminal reads and storage Token Identity information；
Utilize described Token Identity information, encrypted message, timestamp information, use sm3-totp AES generates identification code.
Wherein, the following operation of described server execution:
Described identification code, after receiving the certification request that businessman initiates, is decrypted to obtain mobile terminal by step server Token Identity information, encrypted message, timestamp information；
To described Token Identity information, encrypted message, timestamp information are verified, if authentication failed, return to merchant transaction failure information；
Obtain spending amount and the account balance of user that businessman sends, it is judged that whether the account balance of this user is more than spending amount, if otherwise returning to merchant transaction failure information；
Withhold the most backward businessman return announcement information.
Along with the development of technology, present inventive concept can realize by different way.Embodiments of the present invention are not limited in embodiments described above, and can be changed within the scope of the claims.

Claims (8)

1. a method of mobile payment, it is characterised in that including:
Step 1, mobile terminal are locally generated identification code, and described identification code is generated by sm3-totp AES according to security parameter by mobile terminal, and wherein said security parameter at least includes: Token identity information, encrypted message, timestamp information；
Step 2, businessman are sent out after this identification code of this acquisition for mobile terminal by scanning facility, are authenticated by the server that this identification code and spending amount are sent collectively to preset；
Step 3, server are after receiving the certification request that businessman initiates, it is decrypted described identification code to obtain the Token identity information of mobile terminal, encrypted message, timestamp information, and described Token identity information, encrypted message, timestamp information are verified, carry out paying and first returning success to businessman after being verified.
Method of mobile payment the most according to claim 1, it is characterised in that described identification code is Quick Response Code and/or bar code.
Method of mobile payment the most according to claim 1, it is characterised in that described step 1 specifically includes:
Step 11, user input encrypted message by mobile terminal, and mobile terminal reading temporal information is to generate timestamp, and described mobile terminal reads and the Token identity information of storage；
Step 12, utilize described Token identity information, encrypted message, timestamp information, use sm3-totp AES to generate identification code.
Method of mobile payment the most according to claim 1, it is characterised in that described step 3 specifically includes:
Described identification code, after receiving the certification request that businessman initiates, is decrypted to obtain the Token identity information of mobile terminal, encrypted message, timestamp information by step 31, server；
Step 32, described Token identity information, encrypted message, timestamp information are verified, if authentication failed, return to merchant transaction failure information；
Step 33, the spending amount obtaining businessman's transmission and the account balance of user, it is judged that whether the account balance of this user is more than spending amount, if otherwise returning to merchant transaction failure information；
Step 34, the most backward businessman that withholds return announcement information.
5. a mobile-payment system, it is characterised in that including:
Mobile terminal, is used for being locally generated identification code, and described identification code is generated by sm3-totp AES according to security parameter by mobile terminal, and wherein said security parameter at least includes: Token identity information, encrypted message, timestamp information；
Businessman's cash device, for being sent out after this identification code of this acquisition for mobile terminal by scanning facility, is authenticated the server that this identification code and spending amount are sent collectively to preset；
Server, for after receiving the certification request that businessman initiates, it is decrypted described identification code to obtain the Token identity information of mobile terminal, encrypted message, timestamp information, and described Token identity information, encrypted message, timestamp information are verified, carry out paying and first returning success to businessman after being verified.
Mobile-payment system the most according to claim 5, it is characterised in that described identification code is Quick Response Code and/or bar code.
Mobile-payment system the most according to claim 5, it is characterised in that the following operation of described mobile terminal execution:
User inputs encrypted message by mobile terminal, and mobile terminal reading temporal information is to generate timestamp, and described mobile terminal reads and the Token identity information of storage；
Utilize described Token identity information, encrypted message, timestamp information, use sm3-totp AES to generate identification code.
Mobile-payment system the most according to claim 7, it is characterised in that the following operation of described server execution:
Described identification code, after receiving the certification request that businessman initiates, is decrypted to obtain the Token identity information of mobile terminal, encrypted message, timestamp information by step server；
Described Token identity information, encrypted message, timestamp information are verified, if authentication failed, returns to merchant transaction failure information；
Obtain spending amount and the account balance of user that businessman sends, it is judged that whether the account balance of this user is more than spending amount, if otherwise returning to merchant transaction failure information；
Withhold the most backward businessman return announcement information.
CN201610219591.0A 2016-04-11 2016-04-11 Mobile payment method and system Pending CN105868981A (en)

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Cited By (15)

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CN106651362A (en) * 2016-10-16 2017-05-10 广东聚联电子商务股份有限公司 Payment method based on payment instruction, payment terminal and system
CN106779640A (en) * 2016-12-15 2017-05-31 北京奇虎科技有限公司 Face-to-face electronic payment controlling method and its device
CN106952409A (en) * 2017-04-27 2017-07-14 济南大学 It is a kind of charge by flow sell water system and method
CN107038569A (en) * 2016-12-05 2017-08-11 阿里巴巴集团控股有限公司 Information interacting method and device
CN107194694A (en) * 2017-04-14 2017-09-22 广州羊城通有限公司 A kind of off line method of payment based on Quick Response Code
CN107301545A (en) * 2017-04-14 2017-10-27 广州羊城通有限公司 A kind of transaction verification method based on timestamp
CN109345226A (en) * 2018-08-13 2019-02-15 唐晓冬 A kind of off line method of payment and system that campus is self-service
CN110084588A (en) * 2019-04-24 2019-08-02 深圳蓝贝科技有限公司 Commodity payment, two-dimensional barcode information generation method, device, equipment and storage medium
CN110535809A (en) * 2018-05-25 2019-12-03 腾讯科技（深圳）有限公司 A kind of identification code pulls method, storage medium and terminal device and server
CN110891065A (en) * 2019-12-03 2020-03-17 西安博达软件股份有限公司 Token-based user identity auxiliary encryption method
CN111275907A (en) * 2020-01-20 2020-06-12 江苏恒宝智能系统技术有限公司 Multi-channel identification authentication method and multi-channel identification authentication terminal
CN111815326A (en) * 2019-04-11 2020-10-23 财付通支付科技有限公司 Payment method in flight state, device, equipment and storage medium thereof
CN111932247A (en) * 2020-08-26 2020-11-13 广西捷算资产交易市场服务有限公司 Method for processing two-dimensional code payment based on encryption technology
CN112561517A (en) * 2020-12-10 2021-03-26 南京航空航天大学 Two-dimensional code payment method capable of being authenticated based on geographic position
CN113379414A (en) * 2020-03-09 2021-09-10 新开普电子股份有限公司 Identity verification method and terminal suitable for double off-line transactions

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CN104252675A (en) * 2013-06-28 2014-12-31 Sap欧洲公司 Offline mobile payment process
CN104751334A (en) * 2013-12-31 2015-07-01 腾讯科技（深圳）有限公司 Service processing method, device and system

Cited By (22)

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Publication number Priority date Publication date Assignee Title
CN106651362A (en) * 2016-10-16 2017-05-10 广东聚联电子商务股份有限公司 Payment method based on payment instruction, payment terminal and system
CN107038569A (en) * 2016-12-05 2017-08-11 阿里巴巴集团控股有限公司 Information interacting method and device
US11379819B2 (en) 2016-12-05 2022-07-05 Advanced New Technologies Co., Ltd. Method and apparatus for information exchange
CN106779640A (en) * 2016-12-15 2017-05-31 北京奇虎科技有限公司 Face-to-face electronic payment controlling method and its device
CN106779640B (en) * 2016-12-15 2021-08-20 北京奇虎科技有限公司 Face-to-face electronic payment control method and device
CN107301545B (en) * 2017-04-14 2020-09-01 广州羊城通有限公司 Transaction verification method based on timestamp
CN107301545A (en) * 2017-04-14 2017-10-27 广州羊城通有限公司 A kind of transaction verification method based on timestamp
CN107194694B (en) * 2017-04-14 2020-08-07 广州羊城通有限公司 Offline payment method based on two-dimension code
CN107194694A (en) * 2017-04-14 2017-09-22 广州羊城通有限公司 A kind of off line method of payment based on Quick Response Code
CN106952409B (en) * 2017-04-27 2022-10-11 济南大学 Water selling system and method based on flow charging
CN106952409A (en) * 2017-04-27 2017-07-14 济南大学 It is a kind of charge by flow sell water system and method
CN110535809A (en) * 2018-05-25 2019-12-03 腾讯科技（深圳）有限公司 A kind of identification code pulls method, storage medium and terminal device and server
CN110535809B (en) * 2018-05-25 2021-08-31 腾讯科技（深圳）有限公司 Identification code pulling method, storage medium, terminal device and server
CN109345226A (en) * 2018-08-13 2019-02-15 唐晓冬 A kind of off line method of payment and system that campus is self-service
CN111815326A (en) * 2019-04-11 2020-10-23 财付通支付科技有限公司 Payment method in flight state, device, equipment and storage medium thereof
CN111815326B (en) * 2019-04-11 2024-05-28 财付通支付科技有限公司 Payment method under flight state, device, equipment and storage medium thereof
CN110084588A (en) * 2019-04-24 2019-08-02 深圳蓝贝科技有限公司 Commodity payment, two-dimensional barcode information generation method, device, equipment and storage medium
CN110891065A (en) * 2019-12-03 2020-03-17 西安博达软件股份有限公司 Token-based user identity auxiliary encryption method
CN111275907A (en) * 2020-01-20 2020-06-12 江苏恒宝智能系统技术有限公司 Multi-channel identification authentication method and multi-channel identification authentication terminal
CN113379414A (en) * 2020-03-09 2021-09-10 新开普电子股份有限公司 Identity verification method and terminal suitable for double off-line transactions
CN111932247A (en) * 2020-08-26 2020-11-13 广西捷算资产交易市场服务有限公司 Method for processing two-dimensional code payment based on encryption technology
CN112561517A (en) * 2020-12-10 2021-03-26 南京航空航天大学 Two-dimensional code payment method capable of being authenticated based on geographic position

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Application publication date: 20160817