CN105913248B - Online payment system based on mobile internet service application - Google Patents

Online payment system based on mobile internet service application Download PDF

Info

Publication number
CN105913248B
CN105913248B CN201610220346.1A CN201610220346A CN105913248B CN 105913248 B CN105913248 B CN 105913248B CN 201610220346 A CN201610220346 A CN 201610220346A CN 105913248 B CN105913248 B CN 105913248B
Authority
CN
China
Prior art keywords
user
watermark
data
mobile terminal
service
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.)
Active
Application number
CN201610220346.1A
Other languages
Chinese (zh)
Other versions
CN105913248A (en
Inventor
胡荣强
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.)
SICHUAN HEXIN YUANCHUANG LABOR Co.,Ltd.
Original Assignee
Sichuan Hexin Yuanchuang Labor Co ltd
Priority date (The priority date 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 date listed.)
Filing date
Publication date
Application filed by Sichuan Hexin Yuanchuang Labor Co ltd filed Critical Sichuan Hexin Yuanchuang Labor Co ltd
Priority to CN201610220346.1A priority Critical patent/CN105913248B/en
Publication of CN105913248A publication Critical patent/CN105913248A/en
Application granted granted Critical
Publication of CN105913248B publication Critical patent/CN105913248B/en
Active legal-status Critical Current
Anticipated expiration legal-status Critical

Links

Images

Classifications

    • 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
    • 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
    • G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
    • 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
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3821—Electronic credentials

Landscapes

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

Abstract

The invention relates to an online payment system based on mobile internet service application, which comprises a mobile terminal and a server terminal, wherein the mobile terminal comprises a watermark verification module, the server terminal comprises a watermark generation module, the watermark generation module generates a watermark image added to a certificate image uploaded by a user in response to successful verification of personal information of the user, the watermark image and the certificate image uploaded by the user are separately stored in the mobile terminal, and are automatically synthesized and uploaded in the background only when the watermark image is required to be uploaded to the server terminal, a settlement request is sent to the mobile terminal at the server terminal, the mobile terminal responds to the settlement request, the watermark image is added to an order confirmed by the user and the order with the watermark image is sent to the server terminal, or the mobile terminal sends a service completion notice to the server terminal, the server terminal first sends a settlement request to the mobile terminal in response to the service completion notice, and the mobile terminal responds to the settlement request, and adding the watermark image to the order confirmed by the user and sending the order with the watermark image to the server.

Description

Online payment system based on mobile internet service application
Technical Field
The invention relates to the field of mobile internet service application, in particular to an online payment system based on mobile internet service application.
Background
Publishing and searching service information on the internet is an important requirement of netizens, and service information publishing websites such as 58 city and college-nery, etc. are established based on the requirement. The service information includes various information for service and demand related to work and life, such as information for housekeeping service and demand, information for training service and demand, information for house renting and renting, information for recruitment and work demand, and the like. Currently, when a netizen publishes service information and searches the service information on a service information publishing website, the netizen hopes to publish the information nearby or obtain the information nearby, namely, the service information is more related to the geographical position of the netizen, so that all services are more convenient, efficient and high in quality, the service cost is saved, and meanwhile, the netizen is a more reasonable utilization of social resources.
On the other hand, with the popularization of mobile intelligent communication devices, such as smart phones, tablet computers, smart handheld terminals, etc., whether online payment can be realized anytime and anywhere by using such devices has become a hot issue of public attention, and the key to solve the problem is the operability and security. The operability problem arises from the following: at present, more and more bank cards are held by people, and in order to use different bank cards for payment according to needs, people have to carry various bank cards with them, which not only causes inconvenience in carrying, but also has the risk of losing the bank cards. At present, the online payment products appearing in the market all have the operability problem that a small card swiping device needs to be connected to a mobile phone, and online payment is completed through card swiping of a customer. The root cause of the safety problem lies in: at present, with the flooding of viruses on mobile intelligent communication equipment, the information security problem of the equipment is increasingly serious, and when payment passwords are input to the mobile intelligent communication equipment for payment, the payment information has huge risks of being intercepted and tampered. Therefore, the feasibility and security of online payment become an urgent technical problem to be solved.
Chinese patent publication No. CN104299135A discloses an online payment system and method. The system provided by the patent comprises a server unit, an account maintenance unit, a CA certification and data encryption unit, an order generation and query unit, an order sending gateway unit and an order state change notification unit. The method provided by the patent fully integrates the technologies of network, computer, communication, data encryption and the like, integrates data into a complete order through a service system, appoints protocol payment, completes a digital certificate through CA, encrypts the order by using a DES algorithm and sends the order to a bank gateway. Therefore, safe, complete and reliable bank order data transmission is realized, and the method provides a new mode of payment in the Internet environment. However, the order data involved in the system and method provided by the patent needs to be transmitted among a plurality of systems, and there is complexity in encrypting the data; on the other hand, the method lacks a step of verifying the identities of the payer and the payee, the payer pays without determining the identity of the payee, and the service fee is impersonated.
Disclosure of Invention
Aiming at the defects of the prior art, the invention provides an online payment system based on mobile internet service application, which comprises a mobile terminal and a server terminal, wherein the mobile terminal comprises a watermark verification module, the server terminal comprises a watermark generation module,
the watermark generating module responds to the successful verification of the personal information of the user to generate a watermark image added to the certificate image uploaded by the user, wherein the watermark image and the certificate image uploaded by the user are separately stored in the mobile terminal, are automatically synthesized and uploaded at the background only when the certificate image is uploaded to the server terminal, and are uploaded
Sending a settlement request to the mobile terminal at the server terminal, and the mobile terminal adding the watermark image to the order confirmed by the user and sending the order attached with the watermark image to the server terminal for payment of the service fee in response to the settlement request, or
The mobile terminal sends a service completion notification to the server terminal, the server terminal sends a settlement request to the mobile terminal in response to the service completion notification, and the mobile terminal adds the watermark image to an order confirmed by a user and sends the order attached with the watermark image to the server terminal in response to the settlement request so as to pay service fee.
The invention stores the watermark image and the certificate image in the mobile terminal separately, and only when the watermark image and the certificate image are uploaded to the server terminal, the watermark image and the certificate image are automatically synthesized and uploaded in the background, thereby avoiding the occurrence of an accident that a lawless person adopts an image processing technical means, such as pure screen capture to cheat the server terminal; on the other hand, the invention can avoid the accident that the service expense is falsely received by adding the watermark image to the order confirmed by the user and sending the order with the watermark image to the service terminal to pay the service expense.
According to a preferred embodiment, the certificate image attached with the watermark image uploaded by the mobile terminal is received by the data matching module of the server terminal and is transmitted to the watermark verification module of the user, and the watermark verification module matches the watermark image in the collected order with the watermark image sent by the server terminal, so that the user can mutually perform identity authentication through the system.
According to a preferred embodiment, the watermark image comprises a normally distributed watermark matrix formed by a key, and the watermark verification module matches the watermark matrix of the watermark image in the order acquired by the watermark verification module with the watermark matrix of the watermark image sent by the server and completes identity authentication of the opposite user according to the matching result.
According to a preferred embodiment, the watermark image is provided with a spectrum which can be recognized by the image acquisition device of the mobile terminal but can not be recognized by human eyes, and the watermark image which can not be recognized by human eyes is added to the document image uploaded by a user to ensure the reliability of identity authentication. The invention adds the watermark image which can not be identified by human eyes into the certificate image, so that the watermark image can be prevented from being encrypted and stored at a mobile terminal, and the accidental situation that lawless persons forge certificates can be avoided.
According to a preferred embodiment, the mobile terminal further comprises a payment module, the server further comprises a financial management module, the financial management module receives an order which is sent by the mobile terminal and is attached with the watermark image and determines payment information based on the order, the financial management module generates a two-dimensional code from the payment information and sends the two-dimensional code to the payment module of the service demand user, and the payment is completed by scanning the two-dimensional code of the payment module of the service demand user.
According to a preferred embodiment, the payment information includes a payment fee and a payment object determined by the financial management module based on the order attached with the watermark image sent by the mobile terminal.
According to a preferred embodiment, the mobile terminal further comprises a personal information module for submitting and/or uploading the geographic position data and attribute data of the user, a demand data acquisition module for submitting and/or uploading demand data of the user and a service evaluation module for evaluating the service and/or demand of the user to the other party;
the server side also comprises a server module used for storing data at least containing geographic position data, attribute data and/or demand data sent by the mobile side, a user management module used for extracting and/or updating the geographic position data, the attribute data and/or the demand data of the user based on the data or the instruction sent by the user through the mobile side and sending the data to the data matching module, the mobile terminal comprises a service information module used for extracting data related to service providing items and/or service requirement items in attribute data and/or requirement data sent by a user through the mobile terminal and storing the data, and a data matching module used for establishing a first mapping table based on geographical position data sent by the mobile terminal and establishing a second mapping table based on the attribute data and/or the requirement data sent by the mobile terminal; and the number of the first and second electrodes,
and the data matching module completes the updating of the first mapping table and the second mapping table based on data or instructions sent by the mobile terminal, performs service and demand matching and/or screening on the updated first mapping table and the updated second mapping table in an interactive matching manner by the data matching module, and returns the matched and/or screened data serving as service information to the mobile terminal.
According to a preferred embodiment, the first mapping table is a list of correspondence relationships between a first user and at least one second user, which is established by the data matching module based on geographic location data sent by the first user through the mobile terminal;
the second mapping table is a corresponding relationship list between the first user and at least one second user, which is established by the data matching module based on the attribute data and/or the demand data sent by the first user through the mobile terminal.
According to a preferred embodiment, the updated first mapping table is a corresponding relationship list between the first user and at least one second user, which is established by the data matching module based on the first mapping table and the updated geographic location data matched by the data or instruction, which is sent by the first user through the mobile terminal and is related to the query service and/or the service provision;
the updated second mapping table is a corresponding relationship list between the first user and at least one second user, which is established by the data matching module based on the second mapping table and the updated attribute data and/or demand data matched by the data or instruction which is sent by the first user through the mobile terminal and is related to the query service and/or the service provision.
According to a preferred embodiment, the mobile terminal device of the system is a smart phone, a tablet computer or a notebook computer, and the mobile terminal device realizes data transmission between the mobile terminal and the server terminal through WiFi, bluetooth, ZigBee, mobile 2G, mobile 3G or mobile 4G.
Before payment starts, the online payment system based on the mobile internet service application can identify and verify the identity of the user by adding the watermark image, provides quality guarantee and safety guarantee for service among users, and can prevent an accident that lawless persons falsely receive service cost; on the other hand, the online payment system based on the mobile internet service application of the invention generates the payment information into the two-dimensional code and sends the two-dimensional code to the payer, and the user can complete payment by scanning the two-dimensional code, thus having the advantages of convenience and quickness.
Drawings
FIG. 1 is a block diagram of an online payment system based on a mobile Internet service application of the present invention;
fig. 2 is a block schematic diagram of a watermark generation unit of the present invention;
fig. 3 is a block schematic diagram of a watermark verification unit of the present invention;
fig. 4 is a schematic diagram of a first mapping table, a second mapping table, an updated first mapping table and an updated second mapping table of the online payment system based on the mobile internet service application of the present invention; and
fig. 5 is a service management flowchart of the online payment system based on the mobile internet service application of the present invention.
List of reference numerals
10: the mobile terminal 20: service terminal
101: the personal information module 101 a: geographical position inquiry service unit
102: the demand data acquisition module 103: service evaluation module
104: the watermark verification module 104 a: watermark original image acquisition unit
104 b: local feature point identifying unit 104 c: local feature point determination unit
104 d: the image correction unit 104 e: watermark adding area determining unit
104 f: watermark matrix determination unit 104 g: watermark recognition unit
105: the payment module 201: server module
202: the user management module 203: service information module
204: the data matching module 205: watermark generation module
205 a: local feature point extraction section 205 b: watermark adding area selecting unit
205 c: watermark matrix generation unit 205 d: watermark adding unit
206: financial management module
Detailed Description
The following detailed description is made with reference to the accompanying drawings.
The first user of the invention can be a service providing user and can also be a service requiring user. The second user may also be a service providing user or a service requiring user. When the first user provides the user for the service, the corresponding second user is the service demand user. And when the first user is the service demand user, the corresponding second user provides the user for the service. The user of the present invention refers to a service requiring user and/or a service providing user.
As shown in fig. 1, the system includes a mobile terminal 10 and a service terminal 20. The mobile terminal 10 is suitable for service demand users and service providing users. The mobile terminal equipment of the system is a smart phone, a tablet computer or a notebook computer. The mobile terminal device realizes data transmission between the mobile terminal 10 and the server 20 through WiFi, Bluetooth, ZigBee, mobile 2G, mobile 3G or mobile 4G.
According to a preferred embodiment, the mobile terminal 10 includes a personal information module 101, a demand data collection module 102, a service evaluation module 103, a watermark verification module 104 and a payment module 105. The personal information module 101 further includes a geographic location query service unit 101A.
The personal information module 101 is used for the user to submit and/or upload the attribute data and the geographic position data, and send the attribute data and the geographic position data to the server module 201 for storage. Preferably, the attribute data of the service requirement subscriber includes a subscriber name, a telephone number, a common address, a real-time address, and the like. Wherein, the common address is a home address and/or an office address of the user. The real-time address is an address acquired by the geographic location query service unit 101A based on a GPS and/or iBeacon positioning mode. The attribute data of the service providing user includes user name, telephone, company, common address, collection account information, personal scholars, training experiences, working experiences, skill or qualification certificate, etc. The personal information module 101 may also receive and display service levels of service providing users and comment information of service requiring users thereon. Preferably, the personal information module 101 is further configured to receive and display messages and/or prompts related to services and/or needs pushed by the system. The messages and/or prompts pushed by the system include system order information, service demand order detail information, and the like. Preferably, the system order information and the service demand order detailed information include service items, service time, service location, tariff level, charging mode and the like.
The demand data collection module 102 is configured to submit and/or upload demand data of a user, and send the demand data to the server module 201 for storage. The demand data includes a required service item, a service address, a service time, a service providing user level, and the like. Preferably, the service demand user can also select the service type and the pricing mode according to the service demand of the user and the price reference system provided by the system. After determining the service type and pricing model, the demand data collection module 102 displays information about nearby online related service providers in a list and/or map format. The service demand user can check the detailed information of the service providing user and make an order for a satisfied client reservation. The detailed information of the service providing user includes the type of the service provided, the service level, the time period in which the order can be received, and the like. Preferably, the service requirements user may review the historical requirements information via the requirements data collection module 102. The historical demand information is presented in a list form from near to far according to the date. The historical demand information content comprises demand information generation date, demand service type, tariff condition, service satisfaction degree, service providing user contact information and the like. Preferably, the service demand user can select a service providing user who is satisfied or familiar with the service demand user based on the historical demand information, and reserve an order for the service providing user.
The service evaluation module 103 is used for the user to evaluate the service and/or requirement of the other party and send the evaluation information to the personal information module 101 for storage. Preferably, the service demand user can evaluate the service quality, the service attitude, the service efficiency, and the like of the service providing user through the service evaluation module 103. The service providing user can also evaluate the service requirement, service difficulty, service cost, etc. of the service requiring user through the service evaluating module 103. Preferably, the rating information is not modifiable by the user.
The watermark verification module 104 is used for verifying the watermark image of the electronic and/or paper document provided by the service provider to confirm the identity information of the service provider. The certificate is attached with a head portrait of a service provider. The certificate comprises a certificate which is manually verified by workers, such as a certificate on duty and an identity card. Alternatively, the watermark verification module 104 is configured to verify a watermark image of an electronic and/or paper document provided by the service requirement user to confirm identity information of the service requirement user. After the user uses the watermark verification module 104 to verify the watermark image, the payment action will be started, so as to ensure that the security and service cost of the users of both parties cannot be falsely received. When the identity information of service providers and/or service users is verified, the authentication can be completed only by extracting the watermark image firstly and verifying whether the watermark image exists and whether the watermark image is tampered, and the requirements on the storage load and the working load of a mobile terminal and a service terminal are low.
The payment module 104 scans the two-dimensional code of the second user by the first user to complete the payment. Preferably, the service requiring user scans the two-dimensional code in the service providing user payment module 104 through the payment module 104 to determine the payment amount. Preferably, the service requirement user payment process may use the coupon two-dimensional code to make a payment in accordance with the actual payment amount generated by the payment module 104. Alternatively, the payment module 104 may complete the payment by responding to a payment message sent by the financial management unit 202 d.
According to a preferred embodiment, the server 20 comprises a server module 201, a user management module 202, a service information module 203, a data matching module 204, a watermark generation module 205 and a financial management module 206.
The server module 201 is used for storing information at least including geographical location data, attribute data and/or demand data transmitted by the mobile terminal 10. The server module 201 saves the updated first mapping table and the updated second mapping table as history mapping tables. The data matching module 204 may generate at least one first prediction mapping table and at least one second prediction mapping table based on the history mapping table stored by the server module 201 and store the at least one first prediction mapping table and the at least one second prediction mapping table in the server module 201. Preferably, the first prediction mapping table and the second prediction mapping table are used as a basis for next data update. Preferably, the data matching module 204 analyzes and processes data of the first mapping history mapping table and the second mapping history mapping table based on the history mapping table and the neural network technology stored in the server module 201, and predicts and generates a first prediction mapping table and a second prediction mapping table. The manner in which the data matching module 204 generates the prediction mapping table based on the history mapping table and the neural network saves the server 20 the next time to update the matching mapping table.
The subscriber management module 202 extracts and/or updates the geographical location data, attribute data, and/or demand data of the subscriber based on the data or instructions transmitted by the subscriber via the mobile terminal 10, and transmits the extracted and/or updated data to the data matching module 204. Preferably, the user management module 202 is further configured to manage user accounts, including adding or deactivating user accounts, viewing or modifying account information, and the like. The user management module 202 is also used to manage attribute data submitted and/or uploaded by users and determine a service level for a user based on the attribute data and/or user ratings. Preferably, the service level is comprehensively determined by the system according to the personal information integrity, the personal academic history, the training experience, the working experience, the skill, the qualification certificate, the working time and the user evaluation condition of the user.
The service information module 203 is configured to extract data related to the service providing item and/or the service requirement item from the attribute data and/or the requirement data sent by the user via the mobile terminal 10 and store the data. Preferably, the service information module 203 further comprises management of service charging modes. The service charging method is different according to different service providing user grades of different service items of different city categories.
The data matching module 204 is used for matching the user service data with the location data. The service data includes attribute data of a service providing user and demand data of a service demanding user. The data matching module 204 establishes a first mapping table based on the geographical location data uploaded by the user and the user information of the user management module 202. The data matching module 204 establishes a second mapping table based on the attribute data and/or demand data uploaded by the user and the information of the user attribute data and/or demand data included in the user management module 202. Preferably, the first mapping table is a list of the correspondence relationship between the first user and at least one second user, which is established by the data matching module 204 based on the geographic location data uploaded by the first user through the mobile terminal 10. The second mapping table is a list of correspondence relationships between the first user and at least one second user, which is established by the data matching module 204 based on the attribute data and/or the demand data uploaded by the first user through the mobile terminal 10. The data matching module 204 completes updating of the first mapping table and the second mapping table based on data or instructions sent by the responding mobile terminal 10. Preferably, the updated first mapping table is a corresponding relationship list between the first user and at least one second user, which is established by the data matching module 204 based on the first mapping table and the updated geographic location data matched by the data or instruction, which is sent by the first user through the mobile terminal 10 and is related to the service query and/or service provision. The updated second mapping table is a corresponding relationship list between the first user and at least one second user, which is established by the data matching module 204 based on the second mapping table and the updated attribute data and/or demand data matched by the data or instruction, which is sent by the first user through the mobile terminal 10 and is related to the query service and/or the provision service. The data matching module 204 performs matching and/or screening between the service and the requirement in an interactive matching manner on the updated first mapping table and the updated second mapping table. The data matching module 204 returns the matched and/or filtered data to the mobile terminal 10 as service information.
The watermark generation module 205 is configured to generate a watermark image that is not recognizable to the human eye from the personal information of the service providing user, and attach the watermark image to all certificates uploaded by the service providing user. Alternatively, the watermark generation module 205 may also be configured to generate a watermark image that is not recognizable to the human eye according to the personal information of the service requirement user, and attach the watermark image to all certificates uploaded by the service requirement user. The watermark image contains a unique normally distributed watermark matrix generated by the key.
The financial management module 206 receives the order attached with the watermark image sent by the mobile terminal 10 and determines payment information based on the order. The financial management module 206 generates the two-dimensional code from the payment information and sends the two-dimensional code to the payment module 104 of the service demanding user. Payment is accomplished by scanning the service requirement two-dimensional code of the user payment module 104. Preferably, the payment information includes a payment fee and a payment object determined by the financial management module 206 based on the order attached with the watermark image sent by the mobile terminal 10. The invention avoids the defect of the traditional short message verification code authentication mode by introducing the two-dimension code into the payment process, so that the payment process of the invention is safer, simpler and faster.
Example 1
The identity authentication process of the online payment system based on the mobile internet service application to the user is taken as an example.
The service providing user registers and uploads personal information through the personal information module 101. The service providing user needs to upload the valid qualification certificate to confirm that the service providing user is qualified on Shift. The qualification certificate comprises one or more of identity card, health card and specific industry qualification card and practice card issued by related units, and at least one certificate is provided with an image of a worker. After the service providing user uploads the relevant qualification certificate, the manual service personnel of the system manually reviews the qualification certificate. And sending an examination qualification instruction after the manual service personnel examine the qualification. The watermark generation module 205 generates a unique watermark image based on the audit-eligible instruction and appends the watermark image to all certificates uploaded by the service providing user. The watermark image contains a normally distributed watermark matrix generated by a key. The watermark image is associated with personal information of a service providing user, the first mapping table and the second mapping table. The service information of the service providing user can be called through the watermark image. Similarly, the service requires that the user upload a valid credential with an avatar. The watermark generation module 205 generates a unique watermark image based on the review qualified instruction of the human service personnel and attaches the watermark image to the valid certificate uploaded by the service demanding user.
According to a preferred embodiment, the watermark image is invisible to the human eye, but can be detected by means of an image acquisition device of the mobile terminal 10. For example, a camera of a cell phone can capture a spectral range that is not visible to the human eye. Therefore, the watermark image is added to the document image uploaded by the user in a spectral range invisible to the human eye or difficult to identify, the user can be prevented from forging the document, and the watermark image does not need to be stored in the mobile terminal 10 in an encrypted manner. Preferably, the watermark image is added to the user's electronic or paper document image in a spectral range that is invisible or difficult to recognize by the human eye.
According to a preferred embodiment, the watermark image is stored in the mobile terminal 10 separately from the certificate image uploaded by the user, and is automatically combined in the background and uploaded only when the watermark image needs to be uploaded to the server 20. Preferably, the watermark image is stored in the personal information module 101 of the mobile terminal 10 separately from the certificate image uploaded by the user. When the certificate image with the watermark image attached is required to be extracted, the server 20 sends a certificate image extraction instruction to the corresponding mobile terminal 10. The personal information module 101 extracts the watermark image and the certificate image of the service person in response to the instruction for extracting the certificate image, respectively, and synthesizes the watermark image and the certificate image into the certificate image with the watermark image, and transmits the certificate image to the service terminal 20. The watermarked document image is synthesized in the background and is not presented to the user. In other words, the watermark image is not displayed on the screen of the mobile terminal 10, and the certificate image with the watermark image is not stored in the memory of the mobile terminal 10. The invention can avoid image deception processed by adopting an image processing technical means. For example, a purely electronically captured image, the watermark image and the certificate image are integrated and cannot be recognized by the server 20, and thus cannot spoof the server 20.
According to a preferred embodiment, a settlement request is sent at the server 20 to the mobile terminal 10. The mobile terminal 10 adds the watermark image to the order confirmed by the user in response to the settlement request and transmits the order with the watermark image attached thereto to the service terminal 20 for payment of the service fee. Or the mobile terminal 10 sends a service completion notification to the service terminal 20, and the service terminal 20 sends a settlement request to the mobile terminal 10 in response to the service completion notification. The mobile terminal 10 adds the watermark image to the order confirmed by the user in response to the settlement request and transmits the order with the watermark image attached thereto to the service terminal 20 for payment of the service fee.
According to a preferred embodiment, the certificate image with the watermark image uploaded by the mobile terminal 10 is received by the data matching module 204 of the server 20 and transmitted to the watermark verification module 104 of the user. The watermark verification module 104 matches the acquired watermark image in the order with the watermark image sent by the server 20. Preferably, the watermark image includes a normally distributed watermark matrix formed by a key, and the watermark verification module 104 matches the watermark matrix of the watermark image in the order collected by the watermark verification module 104 with the watermark matrix of the watermark image sent by the server 20 and completes the identity authentication of the opposite user according to the matching result. If the two results are matched, the identity authentication of the user is successful, and the payment can be carried out. If the two are not matched, the authentication fails, and the system does not execute the operation of service fee payment.
According to a preferred embodiment, the financial management module 206 receives the order with the watermark image sent by the mobile terminal 10 in response to the instruction of successful user identity authentication and determines payment information based on the order. Preferably, the payment information includes a payment fee and a payment object determined by the financial management module 206 based on the watermark attack attached order transmitted by the mobile terminal 10. The financial management module 206 generates the payment information into a two-dimensional code and sends the two-dimensional code to the payment module 104 of the service requirement user, and the payment is completed by scanning the two-dimensional code of the payment module 104 of the service requirement user.
When the online payment system based on the mobile internet service application verifies the authenticity of the user identity, the authentication can be completed only by extracting the watermark image firstly and verifying whether the watermark image exists and whether the watermark image is tampered, so that the requirements on the storage load and the working load of the server 20 are low. The system completes payment of service cost based on the instruction of successful user identity authentication, and adds the watermark image in the order determined by the user, so that the problem that the service cost is falsely received can be avoided.
Example 2
The generation of the watermark image and the verification process of the watermark image of the online payment system based on the mobile internet service application are taken as examples.
As shown in fig. 2, the watermark generation module 205 includes a local feature point extraction unit 205a, a watermark addition area selection unit 205b, a watermark matrix generation unit 205c, and a watermark addition unit 205 d. The local feature point extraction unit 205a extracts local feature points of an image to be watermarked. The watermark adding area selecting unit 205b is configured to select a watermark adding area of the image to be watermarked according to the extracted local feature points. The watermark matrix generation unit 205c is configured to generate a watermark matrix conforming to a normal distribution using the key. The watermark adding unit 205d adds a watermark to the selected watermark adding area according to the generated watermark matrix.
Preferably, the watermark adding area selecting unit 205b includes a watermark adding area block size determining unit, a watermark adding area block center determining unit, and a watermark adding area determining unit. And the watermark adding area block size determining unit is used for setting the size of the watermark adding area block. And the watermark adding area block center determining unit is used for taking the position of each local characteristic point as the center of a watermark adding area block. And the watermark adding area determining unit is used for forming the watermark adding area blocks into the watermark adding area.
Preferably, the watermark matrix generating unit 205c includes a random matrix generating unit, a decomposing unit, a random orthogonal matrix generating unit, and a watermark matrix generating unit, the random matrix generating unit is configured to generate two random matrices with a scale of w × w using a key, w is a side length of a watermark adding area block, the decomposing unit is configured to perform QR decomposition on the two random matrices to obtain two orthogonal matrices, the random orthogonal matrix generating unit is configured to generate an orthogonal matrix with diagonal coefficients arranged from large to small using the key, and the watermark matrix generating unit is configured to multiply the three orthogonal matrices to obtain a watermark matrix.
Preferably, the watermarking unit 205d includes a first color space converting unit, a first transforming unit, a second transforming unit, a third transforming unit and a second color space converting unit. The first color space conversion unit is used for converting the image to be added with the watermark from the RGB color space to the HSV color space and acquiring the intensity of the image. And the first transformation unit is used for carrying out discrete wavelet transformation on the intensity matrix of the image. And the second transformation unit is used for adding a weighted watermark matrix to the third-layer low-frequency wavelet coefficient subjected to discrete wavelet transformation, wherein the weighted watermark matrix is the product of the watermark matrix and the weighted coefficient matrix. And the third transformation unit is used for carrying out inverse discrete wavelet transformation on the third layer low-frequency wavelet coefficient added with the weighted watermark matrix to obtain the image intensity after the watermark is added. And the second color space conversion unit is used for replacing the original image intensity with the image intensity added with the watermark, and converting the image from an HSV color space to an RGB color space to obtain the image added with the watermark.
As shown in fig. 3, the watermark verification module 104 includes a watermark original image acquisition unit 104a, a local feature point identification unit 104b, a local feature point determination unit 104c, an image correction unit 104d, a watermark addition area determination unit 104e, a watermark matrix determination unit 104f, and a watermark identification unit 104 g. The watermark original image acquisition unit 104a acquires watermark original images from the certificates or images to be watermarked. The watermark original image refers to an original image of the certificate which is not modified after the watermark is added. The watermark artwork is stored in the financial management module 206. After the original watermark image is found in the financial management module 206, the following steps are performed, and if the original watermark image is not found in the financial management module 206, the watermark verification unit 104 feeds back that the authentication of the user fails. The local feature point identification unit 104b extracts the image of the watermark to be identified and the local feature points of the watermark original image. The local feature point determining unit 104c matches the extracted local feature points of the image of the watermark to be identified with the local feature points of the original watermark image, and determines the local feature points that are matched with each other in the image of the watermark to be identified and the original watermark image. The matching method comprises the following steps: and matching each local characteristic point of one image with all local characteristic points of the other image. The matching process comprises the following steps:
step 1, calculating a minimum distance and a second minimum distance between one local feature point of one image and all local feature points of the other image. Each local feature point can be represented by a feature matrix, the numerical values in the feature matrix represent the attribute values of the local features, and the distance between two local feature points is the distance between two feature matrices.
And 2, if the ratio of the acquired minimum distance to the second minimum distance is smaller than or equal to a first threshold, performing the next step, and otherwise, determining that the local feature point is not matched with all local feature points of another image.
And 3, if the acquired minimum distance is smaller than or equal to a second threshold, determining that the two local feature points with the minimum distance are matched with each other, and otherwise, determining that the local feature points are not matched with all local feature points of another image.
And 4, repeating the three steps until whether the local feature points of the image of the watermark to be identified and the local feature points of the original image are matched completely is confirmed.
And 5, acquiring local feature points matched with each other of the image of the watermark to be identified and the original watermark image.
And if the number of the matched local feature points is larger than or equal to a third threshold value, determining that the image of the watermark to be identified is matched with the original watermark image, and otherwise, determining that the image of the watermark to be identified is not matched with the original watermark image.
The first threshold, the second threshold and the third threshold may be preset according to actual conditions. In general, to ensure the recognition effect, empirical values may be taken, for example, the first threshold value is 0.6, the second threshold value is 400, and the third threshold value is 6. Further, if the number of matched local feature points is smaller than the third threshold, the first threshold and the second threshold may also be increased appropriately to increase the number of matched local feature points.
The image correction unit 104d corrects the image of the watermark to be recognized, and re-determines the matched local feature points. The watermark adding area determining unit 104e determines the watermark adding area of the image of the watermark to be identified and the local image area corresponding to the watermark adding area in the watermark original image according to the determined local feature points of the image of the watermark to be identified and the watermark original image which are matched with each other. The determination method of the watermark adding area of the image with the watermark to be identified is the same as that of the watermark adding area of the watermark generating module 205, that is, each determined local feature point is taken as a center, a square with the side length w is taken as a watermark adding area block, and the watermark adding area blocks form a watermark adding area. The watermark matrix determining unit 104f generates a watermark matrix conforming to the normal distribution using the secret key. The watermark identification unit 104g calculates a difference matrix of the image of the watermark to be identified and the watermark adding area in the original watermark image, and compares the correlation coefficient of the watermark matrix and the difference matrix to realize the watermark identification. Wherein, the calculation process of the difference matrix is as follows:
step 1, converting a watermark adding area in an image of a watermark to be identified and a local image area in an original image from an RGB color space to an HSV color space respectively to obtain the strength of the watermark adding area and the local image area;
step 2, discrete wavelet transformation is respectively carried out on the intensity matrixes of the two;
and 3, extracting the third layer of low-frequency wavelet coefficient matrixes after the discrete wavelet transformation of the two layers of low-frequency wavelet coefficient matrixes, and performing difference calculation to obtain a difference matrix.
The invention presets the correlation coefficient threshold of the watermark matrix and the difference matrix, then compares the calculated correlation coefficient with the threshold, if the correlation coefficient is larger than or equal to the threshold, the watermark adding area of the image of the watermark to be identified is considered as the local image area in the original watermark image, thereby determining whether the image of the watermark to be identified is the watermark image and realizing the watermark identification. The watermark identification is realized by comparing the watermark matrix conforming to the normal distribution with the difference matrix of the watermark adding areas of the image to be identified and the original watermark image, and the identification accuracy can be improved.
Example 3
This embodiment is a further improvement of embodiment 2, and further describes a watermark generation process and a watermark verification process.
According to a preferred embodiment, the watermark image is composed of a plurality of pixel points which approximate the background color of the certificate image. The pixel points are distributed on the certificate image attached with the watermark image in an irregular distribution mode, so that regular patterns which are easy to distinguish by human eyes cannot be generated. The watermark image generation method comprises the following steps:
step 1: and establishing a scrambling matrix aiming at the original image, wherein the scrambling matrix comprises positions which are in one-to-one correspondence with the pixel points of the original image.
Step 2: and filling all positions of the scrambling matrix with result values obtained by multiplying the key by points in the Gaussian elliptic curve domain.
And step 3: and replacing corresponding pixel points of all positions with the same value in the scrambling matrix in the original image to obtain a scrambled image.
And 4, step 4: and embedding a watermark in the scrambled image.
And 5: and performing reverse scrambling on the scrambled image embedded with the watermark by using the scrambling matrix and an inverse algorithm to obtain a final image.
In the present invention, when the positions in the scrambling matrix are filled with the multiplication results, the positions may be filled in the order of rows or columns, the order of rows is referred to as row scanning, and the order of columns is referred to as column scanning. Corresponding to the scanning mode when the scrambling matrix is filled, the row scanning or column scanning mode is also adopted when the pixel points are replaced.
In the present invention, a gaussian base elliptic curve is defined by the following general formula: y is2+xy＝x3+ ax + b. In the formula, a and b are constants expressed by using binary sequences, and when the values of the constants are different, the expressed elliptic curve domains are different. The key is represented using a binary sequence. The original image is composed of pixels, and the pixels form a matrix, which is called a pixel matrix. The positions in the scrambling matrix correspond to the positions of the pixel points in the pixel point matrix one by one.
The invention fills the scrambling matrix by using the product of the key and the coordinate value of the point in the Gaussian elliptic curve domain, and then replaces the corresponding pixel points of the point with the same value in the scrambling matrix in the original image. This is equivalent to scrambling based on the multiplication of the key with a point in the gaussian elliptic curve domain, rather than a simple integer key. Since the number m (m is an integer) of coordinate values of any point in the gaussian elliptic curve domain is more than 100 bits (for example, 191 bits), the number of bits of the multiplication result of the key and the points is 2m, namely the length of 57 bits is reached, and the method is almost impossible to crack by an exhaustive method. Therefore, the watermark image is invisible to the eyes, high in safety and not easy to be falsified and forged, the watermark image formed by the pixel points is small in size, convenient to store at a server side and a mobile side, and low in network communication load requirement. The efficiency of the large-scale O2O settlement system is improved.
According to a preferred embodiment, the watermark image comprises a normally distributed watermark matrix generated by a key. The watermark image is associated with personal information of a worker, the first mapping table and the second mapping table. The watermark image can be used for calling the service information of the service provider. Similarly, service demanders need to upload valid credentials with an avatar. The watermark generation module 205 generates a unique watermark image based on human attendant review pass instructions and appends the watermark image to a valid document uploaded by the customer personnel. The watermark image is also transmitted to the personal information module 101 as the watermark original image and stored. The watermark image generation step comprises the following steps:
step 1, extracting local characteristic points of an image to be added with a watermark. Extracting the local feature points of the image can be realized according to the existing feature algorithm, such as a Harris corner point, a SIFT (scale invariant feature transform) algorithm, a MSER algorithm, and the like.
And 2, selecting a watermark adding area of the image to be added with the watermark according to the extracted local characteristic points. The watermark adding area is composed of a plurality of watermark adding area blocks and can be determined according to the number of watermarks to be added and the size of the image. In this case, the shape of the block of the watermark adding area is not limited.
According to a preferred embodiment, each watermark adding area block is set to be square, the side length of the block can be set to be w according to the number of watermarks to be added and the size of an image, and each local feature point is taken as a center. To comply with the wavelet transform, the side length of each watermarking region block may be an exponential multiple of 2, e.g., 4, 8, 16, 32, etc.
Further, in order to guarantee invisibility of the added watermark, it can be implemented by:
blocks of the watermarking area having a white area ratio larger than a threshold are discarded. The white area ratio refers to the ratio of the white area in the whole watermark adding area block, and the threshold may be set as required, such as 0.6. Blocks of the watermarking area having a standard deviation smaller than a threshold are discarded. Standard deviation of
Figure BDA0000961053290000161
n represents the total number of pixels of the block of the watermarking region, xiRepresenting the pixel value, x, of a certain pixel pointi 0Representing the average pixel value of a certain pixel relative to neighboring pixels.
In order to ensure that the watermark blocks are not interfered with each other and have enough watermark adding area blocks, the invention can also discard one of the two watermark adding area blocks with the central distance smaller than the threshold value. In all the watermark adding area blocks, the watermark adding area blocks which are overlapped with each other by more than or equal to a threshold value are screened as much as possible to form a watermark adding area. The threshold may be determined according to actual conditions, and the application is not limited to this. In the present embodiment, the threshold is set to the square root of 2w, that is, when the distance between the centers of two blocks of the watermarking areas is equal to or greater than the square root of 2w, it is considered that the two blocks do not interfere with each other.
And 3, generating a watermark matrix conforming to normal distribution by using the secret key. The key is a preset unique identification code for different images or different types of images, and can be directly acquired when in use. The specific process of generating the watermark matrix conforming to the normal distribution by using the secret key comprises the following steps:
a1, two random matrices with the scale of w × w are generated by using the key, wherein w is the side length of the watermarking area block determined in the previous step.
And A2, performing QR decomposition on the two random matrixes respectively to obtain two orthogonal matrixes. QR decomposition refers to the decomposition of a matrix into the product of an orthogonal matrix Q and an upper triangular matrix R. An orthogonal matrix obtained by decomposing the random matrix U is Uq, and an orthogonal matrix obtained by decomposing the random matrix V is Vq.
A3, an orthogonal matrix with diagonal coefficients arranged from large to small is generated by using a key, specifically, a random vector 1 × w is generated by using the key, values of the random vector are arranged from large to small, the ordered vector is used as a diagonal value of the orthogonal matrix, and the rest values are complemented by zero, so that the orthogonal matrix S with the scale of w × w is obtained.
And A4, multiplying the three orthogonal matrixes obtained in the steps D2 and D3 to obtain a watermark matrix. The watermark matrix obtained finally is Wmat ═ Uq ═ S ═ Vq.
And 4, adding the watermark into the selected watermark adding area according to the generated watermark matrix. The method specifically comprises the following steps:
a1, converting the image to be added with the watermark from the RGB color space to the HSV color space, and obtaining the intensity of the image. The RGB color space refers to a color space formed by the variation and superposition of three color channels of red (R), green (G) and blue (B). HSV color space: the color space formed by the colors is represented by hue (H), saturation (S), and brightness (V).
A2, Discrete Wavelet (Discrete Wavelet Transform) Transform is performed on the intensity matrix of the image.
And A3, adding the weighted watermark matrix to the third-layer low-frequency wavelet coefficients after discrete wavelet transform. The weighted watermark matrix is the product of the watermark matrix and a weighting coefficient matrix, wherein the weighting coefficient matrix is selected according to the visibility and the anti-interference of the actual watermark. Typically, the coefficient values of the weighting coefficient matrix are between 0.1 and 0.2.
And A4, performing Inverse Discrete Wavelet (IDWT) transformation on the third layer low-frequency wavelet coefficient added with the weighted watermark matrix to obtain the strength of the image added with the watermark.
And A5, replacing the image intensity in A1 with the image intensity obtained in A4, and converting the image from HSV color space to RGB color space to obtain the watermarked image.
The watermark image of the invention determines the watermark adding area through the local characteristic points in the watermark adding process without global adding, thereby ensuring that the watermark has better invisibility. Moreover, the watermark matrix conforming to normal distribution is adopted in the watermark adding process, so that the invisibility of the watermark is ensured, and the robustness of the watermark is enhanced.
According to a preferred embodiment, the watermark image is a spectral watermark that is invisible to the human eye. The spectral watermark is provided with a plurality of spectra of the invisible spectral range.
The spectrum range is 390-410 nm, 830-850 nm. The spectrum range is the spectrum of ultraviolet light less than 400nm and infrared light and far ultraviolet light more than 760 nm. Because human eyes cannot detect ultraviolet light, infrared light and far ultraviolet light, the spectrum watermark formed by the spectrum of the invisible light cannot be seen. However, the image acquisition device can identify the spectrum in the spectrum watermark, so that the watermark image formed by the spectrum is verified, the risk of counterfeiting the spectrum watermark image is avoided, and the safety is improved.
Spectral watermark images may be formed from spectral points that are indeterminate over a range of regions. The spectrum points include both infrared spectrum points and ultraviolet spectrum points. The infrared spectrum points and the ultraviolet spectrum points are staggered to form a spectrum watermark image.
Also, the spectral watermark image is not limited to an electronic form, and there may be a device added to a paper document of a worker. The paper certificate is made of paper materials capable of printing spectral watermarks.
During identification, the image acquisition equipment performs light source irradiation on the watermark image and performs image detection on the reflected spectrum. And if the detected spectral watermark image is the same as the stored watermark image, the verification is successful. The spectrum watermark image does not need to be encrypted and stored, and the verification process is simple and convenient. Moreover, the spectrum watermark image is an invisible and invisible watermark image, so that the spectrum watermark image is not easy to forge and has higher safety.
Example 4
Take the establishment and updating of the first mapping table and the second mapping table of the online payment system based on the mobile internet service application of the invention as an example.
In this embodiment, the first user is a service providing user, and the second user is a service requiring user. Otherwise, when the first user is a service demand user and the second user is a service providing user, the first mapping table and the second mapping table can be established and updated in the same way.
As shown in fig. 4, the first mapping table includes geographic location data of the first user and geographic location data of at least one second user. The geographical location data of the first user is uploaded by the first user through the mobile terminal 10. The geographic location data of the at least one second user is matched by the data matching module 204 from the user information of the user management module 202 based on the geographic location data uploaded by the first user. For example, the geographic location data uploaded by the first user is location a, and the data matching module 204 matches at least one second user whose geographic location is related to location a from the user information of the user management module 202, that is, the second user a1 and the second user a2 … … a in the first mapping table.
The second mapping table comprises attribute data of the first user and requirement data of at least one second user. The attribute data of the first user is uploaded by the first user via the mobile terminal 10. The requirement data of at least one second user is matched by the data matching module 204 from the user information of the user management module 202 based on the attribute data uploaded by the first user. For example, the attribute data uploaded by the first user is B, and the data matching module 204 matches at least one second user whose demand data is related to B from the user information of the user management module 202, that is, the second user B1 and the second user B2 … …, the second user Bp, in the second mapping table.
The first user sends data or instructions related to the inquiry service via the mobile terminal 10. The data matching module 204 builds an updated first mapping table based on the first mapping table and the updated geographic location of the first user. For example, the geographic location of the first user is located as the location C by the geographic location query service unit 101A, or the geographic location of the first user is updated to the location C by the mobile terminal 10, and then the updated geographic location of the first user is the location C. C ground can be a place a short distance away from A ground, like a street; or may be remote from a, such as a different urban area. If the place C is not far away from the place a, such as a street, the data matching module 204 may match at least one second user whose geographic location is related to the place C from the n second users in the first mapping table, i.e., the second user C1 and the second user C2 … …, i.e., the second user Cm in the updated first mapping table. In this case, m is not more than n. If the place C is far away from the place a, for example, in a different urban area, at least one second user related to the place C cannot be matched in the first mapping table, the data matching module 204 may match at least one second user whose geographic location is related to the place C from the user information of the user management module 202, that is, the second user C1, the second user C2 … …, and the second user Cm in the updated first mapping table. At this time, m has no definite magnitude relation with n.
The first user sends data or instructions related to the inquiry service via the mobile terminal 10. The data matching module 204 establishes an updated second mapping table according to the second mapping table and the updated attribute data of the first user. For example, if the attribute data of the first user is updated to D by the mobile terminal 10, the updated attribute data of the first user is D. D can be attribute data related to B, and belongs to the field of home services; d can also be attribute data unrelated to B, such as B being a field of home services and D being a field of training services. If D and B are the related attribute data, the data matching module 204 may match at least one second user whose requirement data is related to D from the p second users in the second mapping table, that is, the second user D1 and the second user D2 … … Dq in the updated second mapping table. In this case, q is not more than p. If D and B are not related attribute data, and at least one second user whose requirement data is related to D cannot be matched in the second mapping table, the data matching module 204 may match at least one second user whose requirement data is related to D from the user information of the user management module 202, that is, the second user D1 and the second user D2 … …, the second user Dq in the updated second mapping table. In this case, q and p have no definite magnitude relationship.
The data matching module 204 matches and/or filters the updated first mapping table and the updated second mapping table with services and requirements in an interactive matching manner, and returns the matched and/or filtered data as service information to the mobile terminal 10.
Example 5
As shown in fig. 5, the service management process of the present invention includes the following steps.
S01: the customer places an order. The service requirement user logs in the mobile terminal 10, selects a service item or fills in requirement information through the requirement data acquisition module 102, and submits a service requirement order. For new users, ordering can be carried out only after user registration is finished. Preferably, the user registers or logs in with a telephone number, which may also be used as a contact phone for placing orders. Meanwhile, QQ and WeChat account login are supported.
S02: the system order matches the nearby service personnel. The system matches at least 5 service providing users according to the customer service demand order information, and pushes the service demand order information to the mobile terminal 10 of the at least 5 service providing users. The service providing user who first receives the order within 60s provides the selected service providing user. No service providing user response is made within 60s and the system re-matches the nearby service providing users until order receiving personnel are determined.
S02 a: the flow ends. And after the system order is matched with the nearby service personnel and/or the service providing user to receive the order, the service demand user cancels the service demand order, and the service flow is ended.
S03: an order is received. The selected service providing user receives the order through the mobile terminal 10.
S04: contact with the customer confirms service-related information. The selected service provides the information related to the service confirmation of the contact between the user and the service demand user. The method specifically comprises the following steps: confirm service item details, specific location, time, service consideration, etc. If the two parties can not agree, the flow returns to S01, and the service requirement user orders again. If the two parties agree, the next step is entered.
S05: and carrying the work necessities to the client. And after the selected service providing user and the service demand user are in contact confirmation without meeting each other, the service providing user carries the work necessities of the related service projects to go to the service demand user.
S06: and confirming the service content with the client. When the service providing user arrives at the service demand user, the service content is confirmed with the service demand user again.
S07: and the operation is started. The service providing user starts service work according to the industry standard and the practical specification of a specific service project.
S08: and finishing the work. And the service providing user finishes the customer to determine each service item, and after self-acceptance, the work is finished, and the user is subjected to acceptance of the service requirement.
S09: and (5) checking and accepting by the client. And the service demand user completes acceptance according to the order item and the written or oral agreed service quality standard with the service providing user. And if the acceptance is not qualified, the service providing user needs to rework and waits for acceptance again. If the service requirement user is qualified, the service requirement user completes the service fee payment through the payment module 105 of the mobile terminal 10. Preferably, the service requirement user can also select credit card, payment treasure, WeChat payment and the like to pay the service fee.
S10: the flow ends. And after the client finishes payment, the flow is ended. If the payment fails, the system performs background processing.
It should be noted that the above-mentioned embodiments are exemplary, and that those skilled in the art, having benefit of the present disclosure, may devise various arrangements that are within the scope of the present disclosure and that fall within the scope of the invention. It should be understood by those skilled in the art that the present specification and figures are illustrative only and are not limiting upon the claims. The scope of the invention is defined by the claims and their equivalents.

Claims (9)

1. An online payment system based on mobile internet service application, the system comprises a mobile terminal (10) and a server terminal (20), the mobile terminal (10) comprises a watermark verification module (104), the server terminal (20) comprises a watermark generation module (205),
the watermark generation module (205) generates a watermark image to be added to a user-uploaded document image in response to a successful audit of the user's personal information, wherein,
the watermark image and the certificate image uploaded by the user are separately stored in the mobile terminal (10), and are automatically synthesized and uploaded at the background only when the watermark image and the certificate image are uploaded to the server terminal (20),
the watermark image is composed of a plurality of pixel points which are similar to the background color of the certificate image, the pixel points are distributed on the certificate image attached with the watermark image in an irregular distribution mode, so that regular patterns which are easy to be distinguished by human eyes can not be generated,
the watermark image is provided with a spectrum which can be identified by the image acquisition equipment of the mobile terminal (10) but can not be identified by human eyes, the watermark image which can not be identified by human eyes is added into the certificate image uploaded by a user to ensure the reliability of identity authentication,
and is
Sending a settlement request to the mobile terminal (10) at the server terminal (20), and in response to the settlement request, the mobile terminal (10) adding the watermark image to the order confirmed by the user and sending the order with the watermark image attached thereto to the server terminal (20) for payment of a service fee, or
The mobile terminal (10) sends a service completion notification to the server (20), the server (20) sends a settlement request to the mobile terminal (10) in response to the service completion notification, and the mobile terminal (10) adds the watermark image to the order confirmed by the user and sends the order attached with the watermark image to the server (20) in response to the settlement request to pay the service fee.
2. The online payment system based on the mobile internet service application as claimed in claim 1, wherein the certificate image attached with the watermark image uploaded by the mobile terminal (10) is received by the data matching module (204) of the server terminal (20) and transmitted to the watermark verification module (104) of the user, and the watermark verification module (104) matches the collected watermark image in the order with the watermark image sent by the server terminal (20), so that the users can mutually perform identity authentication through the system.
3. The online payment system based on the mobile internet service application as claimed in claim 2, wherein the watermark image comprises a normally distributed watermark matrix formed by a key, and the watermark verification module (104) matches the watermark matrix of the watermark image in the order collected by the watermark verification module (104) with the watermark matrix of the watermark image sent by the server (20) and completes the identity authentication of the opposite user according to the matching result.
4. The online payment system based on the mobile internet service application of claim 3, wherein the mobile terminal (10) further comprises a payment module (105), the server terminal further comprises a financial management module (206), the financial management module (206) receives the order with the watermark image attached sent by the mobile terminal (10) and determines payment information based on the order, and the financial management module (206) generates the payment information into a two-dimensional code and sends the two-dimensional code to the payment module (105) of the service demanding user to complete payment by scanning the two-dimensional code of the service demanding user payment module (105).
5. The mobile internet service application-based online payment system of claim 4, wherein the payment information includes a payment fee and a payment object determined by the financial management module (206) based on the order attached with the watermark image transmitted by the mobile terminal (10).
6. The online payment system based on the mobile internet service application as claimed in claim 5, wherein the mobile terminal (10) further comprises a personal information module (101) for submitting and/or uploading the geographic location data and attribute data of the user, a demand data collection module (102) for submitting and/or uploading demand data of the user, and a service evaluation module (103) for the user to evaluate the service and/or demand of the other party;
the server (20) further comprises a server module (201) used for storing the data at least comprising geographic position data, attribute data and/or demand data sent by the mobile terminal (10), a user management module (202) used for extracting and/or updating the geographic position data, the attribute data and/or the demand data of the user based on the data or the instruction sent by the user through the mobile terminal (10) and sending the data to a data matching module (204), a service information module (203) used for extracting the data related to the service providing item and/or the service demand item in the attribute data and/or the demand data sent by the user through the mobile terminal (10) and storing the data, and a data matching module (204) used for establishing a first mapping table based on the geographic position data sent by the mobile terminal (10) and establishing a second mapping table based on the attribute data and/or the demand data sent by the mobile terminal (10) (ii) a And the number of the first and second electrodes,
the data matching module (204) completes updating of the first mapping table and the second mapping table based on data or instructions sent by the mobile terminal (10), matches and/or screens the services and the demands in an interactive matching mode for the updated first mapping table and the updated second mapping table through the data matching module (204), and returns the matched and/or screened data serving as service information to the mobile terminal (10).
7. The online payment system based on mobile internet service application of claim 6, wherein the first mapping table is a first user and at least one second user correspondence list established by the data matching module (204) based on the geographic location data sent by the first user via the mobile terminal (10);
the second mapping table is a list of correspondence relationships between the first user and at least one second user, which are established by the data matching module (204) based on the attribute data and/or the demand data sent by the first user via the mobile terminal (10).
8. The online payment system based on mobile internet service application of claim 7, wherein the updated first mapping table is a corresponding relationship list between the first user and at least one second user, which is established by the data matching module (204) based on the first mapping table and the updated geographic location data matched by the first user through the data or instructions related to the query service and/or the provision service sent by the mobile terminal (10);
the updated second mapping table is a corresponding relationship list between the first user and at least one second user, which is established by the data matching module (204) based on the second mapping table and the updated attribute data and/or demand data matched by the data or instruction, which is sent by the first user through the mobile terminal (10) and is related to the query service and/or the service provision.
9. The online payment system based on the mobile internet service application of claim 8, wherein the mobile terminal device of the system is a smart phone, a tablet computer or a notebook computer, and the mobile terminal device realizes the data transmission between the mobile terminal (10) and the service terminal (20) through WiFi, Bluetooth, ZigBee, mobile 2G, mobile 3G or mobile 4G.
CN201610220346.1A 2016-04-08 2016-04-08 Online payment system based on mobile internet service application Active CN105913248B (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CN201610220346.1A CN105913248B (en) 2016-04-08 2016-04-08 Online payment system based on mobile internet service application

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN201610220346.1A CN105913248B (en) 2016-04-08 2016-04-08 Online payment system based on mobile internet service application

Publications (2)

Publication Number Publication Date
CN105913248A CN105913248A (en) 2016-08-31
CN105913248B true CN105913248B (en) 2020-07-14

Family

ID=56744851

Family Applications (1)

Application Number Title Priority Date Filing Date
CN201610220346.1A Active CN105913248B (en) 2016-04-08 2016-04-08 Online payment system based on mobile internet service application

Country Status (1)

Country Link
CN (1) CN105913248B (en)

Families Citing this family (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN109741232A (en) * 2018-12-29 2019-05-10 微梦创科网络科技（中国）有限公司 A kind of image watermark detection method, device and electronic equipment
CN111738723B (en) * 2020-07-04 2021-01-29 和宇健康科技股份有限公司 Online secure transaction method and device and readable storage medium

Family Cites Families (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP2204979A1 (en) * 2008-12-30 2010-07-07 Irdeto Access B.V. Fingerprinting a data object with multiple watermarks
CN101923733B (en) * 2010-08-16 2015-04-01 中兴通讯股份有限公司 Method and device for processing electronic entrance ticket
CN104077624A (en) * 2013-03-26 2014-10-01 中国银联股份有限公司 Methods and systems for generating and checking electronic note with anti-counterfeiting two-dimension code
CN105095842B (en) * 2014-05-22 2018-12-11 口碑控股有限公司 A kind of method and apparatus of the information identification of document
CN104967669B (en) * 2015-05-29 2019-03-05 成都集致生活科技有限公司 A method of to neighbouring specific user's mobile terminal pushed information
CN105187422B (en) * 2015-08-28 2018-07-10 深圳市泰久信息系统股份有限公司 Rely on the anti-phishing website identification method and system on latent image coding techniques

Also Published As

Publication number Publication date
CN105913248A (en) 2016-08-31

Similar Documents

Publication Publication Date Title
CN105827612B (en) Salary payment system based on mobile internet service application
CN107292150B (en) User identity confirmation method and device in security information processing
CN110519297B (en) Data processing method and device based on block chain private key
CN105913343B (en) Service supervision system based on mobile internet service application
CN105069622B (en) A kind of face recognition payment system and method for facing moving terminal
CN105913362B (en) Staff support system based on mobile internet service application
CN104408622B (en) System and method for realizing electronic transaction confirmation based on independent password equipment
CN1388946A (en) System and method for cardless secure credit transaction processing
CN103679436A (en) Electronic contract security system and method based on biological information identification
CN105591744A (en) Network real-name authentication method and system
CN106570481A (en) Processing method, apparatus and system for bill informatization
CN107784750A (en) A kind of loan done by oneself machine terminal management system and method
CN101923733B (en) Method and device for processing electronic entrance ticket
CN108335108A (en) A kind of two-dimension code safe method of mobile payment and system
EP3151180A1 (en) Identification method and system
CN109922109A (en) Service providing method, system and equipment
CN107918873A (en) Item authentication plateform system and item authentication management system
CN105913248B (en) Online payment system based on mobile internet service application
CN110147991A (en) A kind of method, apparatus and system of the multi-platform payment of graphic code
CN107146079B (en) Transaction payment method and system
CN108390848A (en) A kind of information witness method and device
CN116805261B (en) Public purchasing digital transaction management system
CN105187422B (en) Rely on the anti-phishing website identification method and system on latent image coding techniques
CN111062766B (en) Electronic invoice issuing method and device based on blockchain
CN110245923A (en) A kind of method that the electronics of papery contract signature deposits card

Legal Events

Date Code Title Description
C06 Publication
PB01 Publication
C10 Entry into substantive examination
SE01 Entry into force of request for substantive examination
TA01 Transfer of patent application right
TA01 Transfer of patent application right

Effective date of registration: 20200610

Address after: 610072 No.18, floor 11, No.20, middle Qingjiang Road, Qingyang District, Chengdu City, Sichuan Province

Applicant after: SICHUAN HEXIN YUANCHUANG LABOR Co.,Ltd.

Address before: 610017, 6 floor, wing Yat Plaza, No. 100 North Street, Qingyang District, Sichuan, Chengdu

Applicant before: SICHUAN YADING HUYANG RESOURCE GROUP Co.,Ltd.

GR01 Patent grant
GR01 Patent grant