CN106327186A - Offline payment method based on NFC - Google Patents
Offline payment method based on NFC Download PDFInfo
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- CN106327186A CN106327186A CN201610793599.8A CN201610793599A CN106327186A CN 106327186 A CN106327186 A CN 106327186A CN 201610793599 A CN201610793599 A CN 201610793599A CN 106327186 A CN106327186 A CN 106327186A
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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
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
-
- 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
- G06Q20/3278—RFID or NFC payments by means of M-devices
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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
- G06Q20/08—Payment architectures
- G06Q20/20—Point-of-sale [POS] network systems
- G06Q20/206—Point-of-sale [POS] network systems comprising security or operator identification provisions, e.g. password entry
-
- 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
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
- G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
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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
- G06Q20/38—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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- 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)
- Finance (AREA)
- Computer Networks & Wireless Communication (AREA)
- Computer Security & Cryptography (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention belongs to the technical field of mobile payment, and discloses an offline payment method based on NFC. The method includes steps: S1, a payment terminal receives a collection instruction sent by a collection terminal; S2, the payment terminal generates a first verification code and a first authentication signature code, and sends the first verification code, the first authentication signature code and a payment terminal identity authentication instruction to the collection terminal; S3, the payment terminal receives a second verification code, a second authentication signature code, and an update electronic wallet balance instruction which are generated after signature verification and deduction of the payment terminal by the collection terminal; S4, the payment terminal performs signature verification on the collection terminal, and the corresponding amount is added to an electronic wallet based on the received update wallet balance instruction; and S5, the payment terminal generates a third verification code and a third authentication signature code, and sends the third verification code, the third authentication signature code, and a payment success instruction to the collection terminal so that the collection terminal can perform signature verification. According to the method, non-network payment and data exchange between two terminals can be realized.
Description
Technical field
The invention belongs to mobile payment technical field, particularly relate to a kind of offline electronic payment method.
Background technology
The main means of payment has: cash on delivery, on-line payment, bank cable transfer and postal remittance etc..
For cashing on delivery, it is a kind of order contents submitted to according to client, sends in promising to undertake the dispensing time limit
After client specifies place of delivery, both sides check and accept commodity on the spot, pay a kind of clearing means of payment of payment for goods on the spot.Efficiently solve
The payment of China's e-tail industry and logistics two large problems, cultivated again client's trust to network.But, it uses cash
Paying, therefore can only be confined on small amount payment, the block trade for businessman then cannot realize；Further, be subject to owing to delivering goods to the customers
To the restriction of region, in general, client is many can select ordinary post, brings unnecessary time loss undoubtedly, to user
Bring inconvenience.
For on-line payment, it is that one has and each based on e-finance network, with commercial electronic chemical industry
Class transactional cards is medium, with electronic computer technology and communication technology as means, store with binary data form, by calculating
Machine network system realizes circulation with electronic information transmission form and pays.Wherein, Payment Online is divided into again: Web bank blocks
Payment by the transfer of account, the clearing of Third-party payment platform pay.
(1) payment by the transfer of account of Web bank's card refer to the transaction of ecommerce by network, utilize bank card to pay
Mode.Bank card number and password encryption after businessman orders goods, are sent to bank on the net by network by client, directly want
Ask transfer fund in merchant bank account, complete to pay.The card class of bank card can include the credit card, debit card and smart card
Deng.For this means of payment, if if the application of user Bu Qu bank enables the online payment function of digital certificate protection,
Just can only use the online payment that nil certificate is protected, be difficulty with for some client unfamiliar to computation.
And the online payment not enabling digital certificate protection has certain function and limits, such as, account inquiries or can only can only be carried out
Carry out small amount payment.It addition, because payment for goods is directly transferred on the account of businessman by client, if there is the situation of Fail Transaction,
So ask for the process of payment for goods it is possible to become the most loaded down with trivial details and difficult.
(2) Third-party payment platform clearing payment refers to that first client and businessman open account at Third-party payment platform
Family；And respective bank account information is supplied in the account of payment platform, Third-party payment platform notifies that businessman has received
Businessman's delivery after goods arrival payment；After client receives and checks commodity, notice Third-party payment platform can pay businessman, third party
Fund is transferred in the account of businessman by payment platform again.The bank account information of this means of payment, client and businessman only needs
It is supplied to Third-party payment platform, compares safety, and payment is completed by Third-party payment platform, if client does not receives commodity
Or commodity are problematic, can notify that Third-party payment platform refusal transfers payment for goods to businessman.Then can there be guarantor in businessman in payment for goods
In the case of barrier, relieved delivery, significantly reduces transaction risk.
But, Chinese law specifies the fund only having financial institution just to have the right to receive proxy user, and other enterprise institutions are not
Must be engaged in similar activity, the legal status of payment platform is also queried by some people.It addition, payment for goods is put down at Third-party payment
To produce certain interest in the time being detained in platform, how this part interest distributes currently also lacks clear and definite specification with strict
Supervision；Safety issue during the electronic payment that Third-party payment platform solves be only limited to client and manufacturer it
Between, other safety issues such as client confidentiality of information, effectiveness and integrity when payment platform fills in bank data are asked
Topic need to solve further；Operation is easy not enough, and client must carry out a series of when using Third-party payment platform
Loaded down with trivial details application；Loan can be detained a period of time in the account of Third-party payment platform, and non real-time nature pays and brings deposit wind
Danger, as Third-party payment enterprise can not be completely secured payment for goods safety, will damage the interests of client and businessman significantly；Third-party payment
Platform may be utilized, and by fabricating wash sale from credit card arbitrage, even exists and may be utilized to carry out money laundering
Risk.
For method of remittance, bank transfer or mail remittance are a kind of conventional payment modes, are also electric so far
The means of payment the most frequently used in the son commercial affairs means of payment.Wherein, mail remittance is that the order amount of money is converged by client by postal service
A kind of clearing means of payment to trade company.It can be concluded the business the most by RMB, it is to avoid such as assault, account leakage,
The problems such as password is stolen, safer for client.But, the shipping and receiving of this kind of means of payment is long for cycle time；Additionally, client
Must also arrive bank or post office just can pay, payment process is comparatively laborious.For businessman, this mode of doing business also without
The advantages such as the existing ecommerce of body of laws is at a high speed, interactivity is strong, easy to use and operating cost is low.Therefore, this means of payment is not
Adapt to the long-term high speed development of ecommerce.
Summary of the invention
For the problems referred to above, it is desirable to provide one is based on NFC (Near Field Communication, low coverage
From wireless communication technology) offline electronic payment method, substantially increase the security performance in payment process and convenience.
The technical scheme that the present invention provides is as follows:
A kind of offline electronic payment method based on NFC, including:
S1 checkout terminal receives the gathering instruction that cash receiving terminal sends；
S2 checkout terminal generates the first identifying code and the first authentication signature code, and instructs one together with checkout terminal authentication
And send to cash receiving terminal；
S3 checkout terminal receive cash receiving terminal checkout terminal has been carried out the second identifying code that sign test and withholing generates afterwards,
Second authentication signature code and renewal electronic purse balance amount instruction；
S4 checkout terminal carries out sign test to cash receiving terminal, instructs in stored value card based on the renewal wallet balances received
Add the corresponding amount of money；
S5 checkout terminal generates the 3rd identifying code and the 3rd authentication signature code, and together with successful payment instruction send in the lump to
Cash receiving terminal treats that cash receiving terminal carries out sign test, completes offline electronic payment.
It is further preferred that described checkout terminal and described cash receiving terminal all include a safe control, described safety control
Part is configured to:
Communication data between described checkout terminal and described cash receiving terminal is encrypted/decryption oprerations；
Described checkout terminal/cash receiving terminal is carried out signature/sign test operation.
It is further preferred that specifically include in step sl:
S11 cash receiving terminal generates gathering instruction；
S12 cash receiving terminal uses built-in safe control to be encrypted described gathering instruction；
Gathering instruction after encryption is sent to checkout terminal by S13 cash receiving terminal.
It is further preferred that specifically include in step s 2:
S21 checkout terminal receives the gathering instruction after the encryption that cash receiving terminal sends；
It is decrypted and obtains gathering instruction by the S22 checkout terminal built-in safe control of use；
S23 checkout terminal generates the first identifying code, and uses built-in safety insert that it is encrypted generation first to recognize
Card signed codevector；
S24 checkout terminal generates checkout terminal authentication instruction；
S25 checkout terminal uses built-in safe control to the first identifying code, the first authentication signature code and checkout terminal
Authentication instruction is encrypted, and sends the data after encryption to cash receiving terminal.
It is further preferred that specifically include in step s3:
Data after S31 cash receiving terminal uses the encryption to generating in step S25 of the built-in safety insert are decrypted；
The the first authentication signature code received is decrypted and obtains first by the S32 cash receiving terminal built-in safety insert of use
Authentication verification code, and it is compared with the first identifying code, it is achieved the sign test of checkout terminal is operated；
S33 cash receiving terminal is withholdd in stored value card based on the amount of money in gathering instruction；
S34 cash receiving terminal generates the second identifying code, and uses built-in safety insert that it is encrypted generation second to recognize
Card signed codevector；
S35 cash receiving terminal generates and updates electronic purse balance amount instruction；
S36 cash receiving terminal uses built-in safe control to the second identifying code, the second authentication signature code and to update electronics
Wallet balances instruction is encrypted, and sends the data after encryption to checkout terminal.
It is further preferred that specifically include in step s 4:
Data after S41 checkout terminal uses the encryption to generating in step S35 of the built-in safety insert are decrypted；
The the second authentication signature code received is decrypted and obtains second by the S42 checkout terminal built-in safety insert of use
Authentication verification code, and it is compared with the second identifying code, it is achieved the sign test of cash receiving terminal is operated；
S43 checkout terminal adds the corresponding amount of money based on the renewal wallet balances instruction received in stored value card.
It is further preferred that include in step s 5:
S51 checkout terminal generates the 3rd identifying code, and uses built-in safety insert that it is encrypted generation the 3rd to recognize
Card signed codevector；
S52 checkout terminal generates successful payment instruction；
S53 checkout terminal uses built-in safety insert to the 3rd identifying code, the 3rd authentication signature code and successful payment
Instruction is encrypted, and to cash receiving terminal, the data transmission after encryption being treated, cash receiving terminal carries out sign test.
It is further preferred that the most also include:
Data after S61 cash receiving terminal uses the encryption to generating in step S53 of the built-in safety insert are decrypted；
The 3rd authentication signature code received is decrypted and obtains the 3rd by the S62 cash receiving terminal built-in safety insert of use
Authentication verification code, and it is compared with the 3rd identifying code, it is achieved the sign test of checkout terminal is operated；
S63 checkout terminal record transaction details.
It is further preferred that described checkout terminal also includes the first private key and the second PKI, in described cash receiving terminal also
It is a double secret key including the second private key and the first PKI, described first private key and described first PKI, described second private key and
Two PKIs are a double secret key；
Described first private key is configured to: combine checkout terminal built-in safety insert and checkout terminal carries out signature behaviour
The communication data made and receive checkout terminal is decrypted operation；
Described second private key is configured to: combine cash receiving terminal built-in safety insert and cash receiving terminal carries out signature behaviour
The communication data made and receive cash receiving terminal is decrypted operation；
Described first PKI is configured to: combines the built-in safety insert of cash receiving terminal and carries out to sent communication data
Cryptographic operation and checkout terminal is carried out sign test operation；
Described second PKI is configured to: combines the built-in safety insert of checkout terminal and carries out to sent communication data
Cryptographic operation and cash receiving terminal is carried out sign test operation.
The offline electronic payment method based on NFC that the present invention provides, it has the beneficial effects that:
All built-in security control in checkout terminal and cash receiving terminal in the method for payment that the present invention provides, and this controls safely
Part supports off-line encryption/deciphering, signature/sign test function, so, in payment process, is encrypted each communication data
Outside, also the identity of the other side can be authenticated, it is ensured that provide one while the security performance of communication data more just
Prompt effective method of payment, it is achieved that exchanging without network payment and data between two terminals.
Accompanying drawing explanation
Fig. 1 is the schematic flow sheet of offline electronic payment method in the present invention.
Detailed description of the invention
Below in conjunction with the accompanying drawings and detailed description of the invention, the present invention is described in further detail.It should be noted that below
The specific detail of the present invention described is only and use of the present invention is described, is not intended that limitation of the present invention.According to described basis
Any amendment and modification that the teaching of invention is made are also within the scope of the invention.
It is illustrated in figure 1 the schematic flow sheet of the offline electronic payment method based on NFC that the present invention provides, can from figure
Go out, include in this offline electronic payment method: S1 checkout terminal receives the gathering instruction that cash receiving terminal sends；S2 checkout terminal generates
First identifying code and the first authentication signature code, and send in the lump to cash receiving terminal together with checkout terminal authentication instruction；S3 pays
Money terminal receives cash receiving terminal and checkout terminal has carried out the second identifying code, the second authentication signature that sign test and withholing generates afterwards
Code and renewal electronic purse balance amount instruction；S4 checkout terminal carries out sign test to cash receiving terminal, based on the renewal wallet received
The corresponding amount of money is added in remaining sum instruction in stored value card；S5 checkout terminal generates the 3rd identifying code and the 3rd authentication signature code,
And send in the lump and treat that cash receiving terminal carries out sign test together with successful payment instruction to cash receiving terminal, complete offline electronic payment.
Specifically, checkout terminal and cash receiving terminal all include a safe control, and this safe control is configured to: to payment
Communication data between terminal and cash receiving terminal is encrypted/decryption oprerations；Checkout terminal/cash receiving terminal is signed/tested
Sign operation.It addition, checkout terminal also includes the first private key and the second PKI, cash receiving terminal also includes the second private key and first
PKI, the first private key and the first PKI are a double secret key, and the second private key and the second PKI are a double secret key；First private key is configured
For: combine checkout terminal built-in safety insert and checkout terminal is carried out signature operation and the communication receiving checkout terminal
Data are decrypted operation；Second private key is configured to: cash receiving terminal is signed by the safety insert combining cash receiving terminal built-in
Name operation and the communication data receiving cash receiving terminal are decrypted operation；First PKI is configured to: combine cash receiving terminal
Built-in safety insert is encrypted operation to sent communication data and checkout terminal is carried out sign test operation；Second is public
Key is configured to: combines the built-in safety insert of checkout terminal and is encrypted operation and to gathering to sent communication data
Terminal carries out sign test operation.Wherein, above-mentioned communication data is specially the interaction data between checkout terminal and cash receiving terminal, i.e. only
Want to need between checkout terminal and cash receiving terminal to carry out data communication, all communication data therein can be encrypted, to ensure
The safety of communication data.It addition, in a particular embodiment, checkout terminal here can be NFC mobile phone, NFC flat board etc.；Gathering
Terminal is except being NFC mobile phone, NFC flat board etc., it is also possible in order to possess the POS of NFC function, ((Point of Sales sells
Point) machine etc., in theory for, the terminal possess NFC function, being capable of the object of the invention is included in present disclosure
In.
Based on this, specifically include in step sl: S11 cash receiving terminal generates gathering instruction；S12 cash receiving terminal uses built-in
Safe control and the first PKI to gathering instruction be encrypted；S13 cash receiving terminal (ensures during this to receive near checkout terminal
NFC function in money terminal and checkout terminal is switched on), the gathering instruction after encryption is sent to checkout terminal.
Specifically include in step s 2: S21 checkout terminal receives the gathering instruction after the encryption that cash receiving terminal sends；S22
It is decrypted and obtains gathering instruction by the checkout terminal built-in safe control of use and the first private key；S23 checkout terminal generates
First identifying code, and use built-in safety insert and the first private key that it is encrypted generation the first authentication signature code；S24 pays
Money terminal generates checkout terminal authentication instruction；S25 checkout terminal uses built-in safe control and the second PKI to first
Identifying code, the first authentication signature code and checkout terminal authentication instruction are encrypted, and the data after encryption are sent extremely
Cash receiving terminal.Being noted that before step S21, checkout terminal is after cash receiving terminal, and checkout terminal first determines whether certainly
Whether body supports this offline electronic payment method, if supporting, then enters step S21；On the contrary, if not supporting, then termination of concluding the business, pay and lose
Lose.
Specifically include in step s3: S31 cash receiving terminal uses built-in safety insert and the second private key in step S25
Data after the encryption generated are decrypted；S32 cash receiving terminal uses built-in safety insert and the first PKI to receiving
First authentication signature code is decrypted and obtains the first authentication verification code, and it is compared with the first identifying code, if comparison becomes
Merit (the first authentication verification code and the first identifying code are identical), then cash receiving terminal is to the success of checkout terminal sign test, enters step S33；
On the contrary, if comparison failure, then explanation checkout terminal identity is illegal, terminates transaction immediately；S33 to payment terminal identity certification it
After, cash receiving terminal is withholdd in stored value card based on the amount of money in gathering instruction, i.e. remaining sum in deduction paying party account；
S34 cash receiving terminal generates the second identifying code, and uses built-in safety insert and the second private key that it is encrypted generation second
Authentication signature code；S35 cash receiving terminal generates and updates electronic purse balance amount instruction；S36 cash receiving terminal uses built-in safe control
With the first PKI, the second identifying code, the second authentication signature code and renewal electronic purse balance amount instruction are encrypted and are communicated
Data, and the data (i.e. communication data) after encryption are sent to checkout terminal.
Specifically include in step s 4: S41 checkout terminal uses built-in safety insert and the first private key in step S35
Data after the encryption generated are decrypted；S42 checkout terminal uses built-in safety insert and the second PKI to receiving
Second authentication signature code is decrypted and obtains the second authentication verification code, and it is compared with the second identifying code, if comparison becomes
Merit (the second authentication verification code and the second identifying code are identical), then checkout terminal is to the success of cash receiving terminal sign test, enters step S43；
On the contrary, if comparison failure, then explanation cash receiving terminal identity is illegal, terminates transaction immediately；S43 checkout terminal is based on receiving
Update wallet balances instruction in stored value card, add the corresponding amount of money.
Include in step s 5: S51 checkout terminal generates the 3rd identifying code, and uses built-in safety insert and the first private
Key is encrypted generation the 3rd authentication signature code to it；S52 checkout terminal generates successful payment instruction；S53 checkout terminal uses
The instruction of 3rd identifying code, the 3rd authentication signature code and successful payment is encrypted by built-in safety insert and the second PKI,
And to cash receiving terminal, the data transmission after encryption is treated that cash receiving terminal carries out sign test.
The most also include: S61 cash receiving terminal uses built-in safety insert and the second private key in step S53
Data after the encryption generated are decrypted；S62 cash receiving terminal uses built-in safety insert and the first PKI to receiving
3rd authentication signature code is decrypted and obtains the 3rd authentication verification code, and it is compared with the 3rd identifying code, if comparison becomes
Merit (the 3rd authentication verification code and the 3rd identifying code are identical), then checkout terminal is to the success of cash receiving terminal sign test, enters step S63；
On the contrary, if comparison failure, then authentication failed, failure information is recorded；S63 checkout terminal record transaction details.
It addition, be noted that before step S1, also including, checkout terminal and cash receiving terminal are respectively from server
Download safe control.
Above by being respectively described the enforcement scene case of each process, describe the present invention in detail, the technology of this area
Personnel will be understood that.In the range of without departing from essence of the present invention, can make an amendment and deform, the stripping of such as part of module makes
With with by system embedment in other application systems.
Claims (9)
1. an offline electronic payment method based on NFC, it is characterised in that described offline electronic payment method includes:
S1 checkout terminal receives the gathering instruction that cash receiving terminal sends；
S2 checkout terminal generates the first identifying code and the first authentication signature code, and it is concurrent to instruct one together with checkout terminal authentication
Deliver to cash receiving terminal；
S3 checkout terminal receive cash receiving terminal checkout terminal has been carried out the second identifying code that sign test and withholing generates afterwards, second
Authentication signature code and renewal electronic purse balance amount instruction；
S4 checkout terminal carries out sign test to cash receiving terminal, adds in stored value card based on the renewal wallet balances instruction received
The corresponding amount of money；
S5 checkout terminal generates the 3rd identifying code and the 3rd authentication signature code, and sends in the lump to gathering together with successful payment instruction
Terminal treats that cash receiving terminal carries out sign test, completes offline electronic payment.
2. offline electronic payment method as claimed in claim 1, it is characterised in that in described checkout terminal and described cash receiving terminal all
Including a safe control, described safe control is configured to:
Communication data between described checkout terminal and described cash receiving terminal is encrypted/decryption oprerations；
Described checkout terminal/cash receiving terminal is carried out signature/sign test operation.
3. offline electronic payment method as claimed in claim 2, it is characterised in that specifically include in step sl:
S11 cash receiving terminal generates gathering instruction；
S12 cash receiving terminal uses built-in safe control to be encrypted described gathering instruction；
Gathering instruction after encryption is sent to checkout terminal by S13 cash receiving terminal.
4. offline electronic payment method as claimed in claim 3, it is characterised in that specifically include in step s 2:
S21 checkout terminal receives the gathering instruction after the encryption that cash receiving terminal sends；
It is decrypted and obtains gathering instruction by the S22 checkout terminal built-in safe control of use；
S23 checkout terminal generates the first identifying code, and uses built-in safety insert that it is encrypted generation the first certification label
Name code；
S24 checkout terminal generates checkout terminal authentication instruction；
S25 checkout terminal uses built-in safe control to the first identifying code, the first authentication signature code and checkout terminal identity
Certification instruction is encrypted, and sends the data after encryption to cash receiving terminal.
5. offline electronic payment method as claimed in claim 4, it is characterised in that specifically include in step s3:
Data after S31 cash receiving terminal uses the encryption to generating in step S25 of the built-in safety insert are decrypted；
The the first authentication signature code received is decrypted and obtains the first certification by the S32 cash receiving terminal built-in safety insert of use
Identifying code, and it is compared with the first identifying code, it is achieved the sign test of checkout terminal is operated；
S33 cash receiving terminal is withholdd in stored value card based on the amount of money in gathering instruction；
S34 cash receiving terminal generates the second identifying code, and uses built-in safety insert that it is encrypted generation the second certification label
Name code；
S35 cash receiving terminal generates and updates electronic purse balance amount instruction；
S36 cash receiving terminal uses built-in safe control to the second identifying code, the second authentication signature code and to update stored value card
Remaining sum instruction is encrypted, and sends the data after encryption to checkout terminal.
6. offline electronic payment method as claimed in claim 5, it is characterised in that specifically include in step s 4:
Data after S41 checkout terminal uses the encryption to generating in step S35 of the built-in safety insert are decrypted；
The the second authentication signature code received is decrypted and obtains the second certification by the S42 checkout terminal built-in safety insert of use
Identifying code, and it is compared with the second identifying code, it is achieved the sign test of cash receiving terminal is operated；
S43 checkout terminal adds the corresponding amount of money based on the renewal wallet balances instruction received in stored value card.
7. offline electronic payment method as claimed in claim 6, it is characterised in that include in step s 5:
S51 checkout terminal generates the 3rd identifying code, and uses built-in safety insert that it is encrypted generation the 3rd certification label
Name code；
S52 checkout terminal generates successful payment instruction；
S53 checkout terminal uses built-in safety insert to instruct the 3rd identifying code, the 3rd authentication signature code and successful payment
It is encrypted, and to cash receiving terminal, the data transmission after encryption is treated that cash receiving terminal carries out sign test.
8. offline electronic payment method as claimed in claim 7, it is characterised in that the most also include:
Data after S61 cash receiving terminal uses the encryption to generating in step S53 of the built-in safety insert are decrypted；
The 3rd authentication signature code received is decrypted and obtains the 3rd certification by the S62 cash receiving terminal built-in safety insert of use
Identifying code, and it is compared with the 3rd identifying code, it is achieved the sign test of checkout terminal is operated；
S63 checkout terminal record transaction details.
9. the offline electronic payment method as described in claim 2-8 any one, it is characterised in that also include in described checkout terminal
First private key and the second PKI, also include the second private key and the first PKI in described cash receiving terminal, described first private key and described
First PKI is a double secret key, and described second private key and the second PKI are a double secret key；
Described first private key is configured to: combine checkout terminal built-in safety insert checkout terminal is carried out signature operation and
The communication data receiving checkout terminal is decrypted operation；
Described second private key is configured to: combine cash receiving terminal built-in safety insert cash receiving terminal is carried out signature operation and
The communication data receiving cash receiving terminal is decrypted operation；
Described first PKI is configured to: the safety insert combining cash receiving terminal built-in is encrypted to sent communication data
Operate and checkout terminal is carried out sign test operation；
Described second PKI is configured to: the safety insert combining checkout terminal built-in is encrypted to sent communication data
Operate and cash receiving terminal is carried out sign test operation.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610793599.8A CN106327186A (en) | 2016-08-31 | 2016-08-31 | Offline payment method based on NFC |
| PCT/CN2017/087192 WO2018040653A1 (en) | 2016-08-31 | 2017-06-05 | Nfc-based off-line payment method |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610793599.8A CN106327186A (en) | 2016-08-31 | 2016-08-31 | Offline payment method based on NFC |
Publications (1)
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Cited By (11)
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| WO2018040653A1 (en) * | 2016-08-31 | 2018-03-08 | 中城智慧科技有限公司 | Nfc-based off-line payment method |
| CN108564363A (en) * | 2018-02-28 | 2018-09-21 | 阿里巴巴集团控股有限公司 | A kind of transaction processing method, server, client and system |
| CN108805574A (en) * | 2018-05-19 | 2018-11-13 | 深圳市图灵奇点智能科技有限公司 | Method of commerce based on secret protection and system |
| WO2019037650A1 (en) * | 2017-08-22 | 2019-02-28 | 阿里巴巴集团控股有限公司 | Method and device for offline payment, service processing, and payment processing |
| CN109787769A (en) * | 2018-12-25 | 2019-05-21 | 深圳市安信认证系统有限公司 | Offline authentication method, user terminal and the device end of internet of things equipment |
| CN110992172A (en) * | 2019-12-04 | 2020-04-10 | 杭州复杂美科技有限公司 | Offline payment method, device and storage medium |
| CN111861492A (en) * | 2020-07-31 | 2020-10-30 | 展讯通信（上海）有限公司 | Offline payment method and system |
| CN112581233A (en) * | 2020-12-24 | 2021-03-30 | 北京顺达同行科技有限公司 | Method, device, equipment and computer-readable storage medium for order offline operation |
| CN113393223A (en) * | 2021-03-01 | 2021-09-14 | 福建创识科技股份有限公司 | Cloud sound box, offline payment system of digital currency and offline payment method |
| CN113393222A (en) * | 2021-03-01 | 2021-09-14 | 福建创识科技股份有限公司 | Offline payment method, mobile phone and offline payment system for digital currency |
| CN113450507A (en) * | 2021-06-11 | 2021-09-28 | 石家庄新奥能源发展有限公司 | Payment method based on multifunctional card, multifunctional card and system |
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| 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 |
| CN110766397B (en) * | 2019-10-21 | 2023-07-25 | 深圳市丰鑫科技服务有限公司 | Near field payment method based on data identification model |
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| WO2018040653A1 (en) * | 2016-08-31 | 2018-03-08 | 中城智慧科技有限公司 | Nfc-based off-line payment method |
| TWI696135B (en) * | 2017-08-22 | 2020-06-11 | 香港商阿里巴巴集團服務有限公司 | Method and device for off-line payment, business processing, and payment processing |
| US11113697B2 (en) | 2017-08-22 | 2021-09-07 | Advanced New Technologies Co., Ltd. | Method and apparatus for offline payment, service processing, and payment processing |
| US10872342B2 (en) | 2017-08-22 | 2020-12-22 | Advanced New Technologies Co., Ltd. | Method and apparatus for offline payment, service processing, and payment processing |
| WO2019037650A1 (en) * | 2017-08-22 | 2019-02-28 | 阿里巴巴集团控股有限公司 | Method and device for offline payment, service processing, and payment processing |
| US11836732B2 (en) | 2017-08-22 | 2023-12-05 | Advanced New Technologies Co., Ltd. | Method and apparatus for offline payment, service processing, and payment processing |
| US10692091B2 (en) | 2017-08-22 | 2020-06-23 | Alibaba Group Holding Limited | Method and apparatus for offline payment, service processing, and payment processing |
| CN108564363B (en) * | 2018-02-28 | 2020-10-13 | 阿里巴巴集团控股有限公司 | Transaction processing method, server, client and system |
| WO2019165875A1 (en) * | 2018-02-28 | 2019-09-06 | 阿里巴巴集团控股有限公司 | Transaction processing method, server, client, and system |
| CN108564363A (en) * | 2018-02-28 | 2018-09-21 | 阿里巴巴集团控股有限公司 | A kind of transaction processing method, server, client and system |
| CN108805574A (en) * | 2018-05-19 | 2018-11-13 | 深圳市图灵奇点智能科技有限公司 | Method of commerce based on secret protection and system |
| CN109787769A (en) * | 2018-12-25 | 2019-05-21 | 深圳市安信认证系统有限公司 | Offline authentication method, user terminal and the device end of internet of things equipment |
| CN110992172A (en) * | 2019-12-04 | 2020-04-10 | 杭州复杂美科技有限公司 | Offline payment method, device and storage medium |
| CN110992172B (en) * | 2019-12-04 | 2024-03-29 | 杭州复杂美科技有限公司 | Offline payment method, device and storage medium |
| CN111861492A (en) * | 2020-07-31 | 2020-10-30 | 展讯通信（上海）有限公司 | Offline payment method and system |
| CN112581233B (en) * | 2020-12-24 | 2024-01-26 | 北京顺达同行科技有限公司 | Method, apparatus, device and computer readable storage medium for order offline operation |
| CN112581233A (en) * | 2020-12-24 | 2021-03-30 | 北京顺达同行科技有限公司 | Method, device, equipment and computer-readable storage medium for order offline operation |
| CN113393222A (en) * | 2021-03-01 | 2021-09-14 | 福建创识科技股份有限公司 | Offline payment method, mobile phone and offline payment system for digital currency |
| CN113393223A (en) * | 2021-03-01 | 2021-09-14 | 福建创识科技股份有限公司 | Cloud sound box, offline payment system of digital currency and offline payment method |
| CN113450507A (en) * | 2021-06-11 | 2021-09-28 | 石家庄新奥能源发展有限公司 | Payment method based on multifunctional card, multifunctional card and system |
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| WO2018040653A1 (en) | 2018-03-08 |
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