CN106682904B - Off-line payment device with visible light and bar code bidirectional authentication - Google Patents
Off-line payment device with visible light and bar code bidirectional authentication Download PDFInfo
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- CN106682904B CN106682904B CN201710066533.3A CN201710066533A CN106682904B CN 106682904 B CN106682904 B CN 106682904B CN 201710066533 A CN201710066533 A CN 201710066533A CN 106682904 B CN106682904 B CN 106682904B
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Classifications
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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
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
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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
- G06Q20/388—Payment protocols; Details thereof using mutual authentication without cards, e.g. challenge-response
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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
Abstract
The invention discloses an offline payment device with visible light and bar code bidirectional authentication. The device comprises an electronic wallet, a recharging consumer and a server; the electronic wallet comprises a visible light emission module, a bar code scanning module, a control module, a wallet module, an input module, a display module and a data interface; the recharging and consuming machine comprises a visible light receiving module, a bar code display module, a read-write control module, a cashier box module, a keyboard module, a display and a communication module; the information of the amount of the transaction, the starting, the verification, the closing and the like of the transaction flow are fused in the visible light and the bar code by the two transaction parties of the recharging consumer of the payee and the electronic wallet of the payer, so that a device with a flash lamp and a camera becomes a carrier for realizing offline payment, and a novel offline transaction mode is realized.
Description
Technical Field
The invention belongs to the technical field of optical payment, and particularly relates to an offline payment device with visible light and bar code bidirectional authentication.
Background
Visible light communication (Visible Light Communication, VLC for short) technology. The VLC technology utilizes the characteristic that an LED can emit high-frequency flicker and lamplight flicker which cannot be perceived by human eyes, the high-frequency flicker of the LED is used for carrying signals at a data transmitting end, and a photosensitive element with the same quick response time is used for collecting signals at a receiving end, so that a wireless communication method is realized.
The traditional cashless transaction means are all online transactions, and the original magnetic card system is a typical online transaction system. Offline payment is a transaction payment means when communication of network, GPRS, 3G, 4G and the like is interrupted, and RFID and NFC are relatively common offline payment modes at present.
The code scanning is a popular information acquisition mode, and the code scanning payment is an online payment mode means developed on the basis of the code scanning technology, weChat, payment treasures and other technologies. However, the payment means belonging to the "code scanning payment" is still an online payment way which is not separated from the network, and the way is not similar to the offline payment, so that the problem that the network communication is interrupted and the payment cannot be performed is solved.
The invention is inspired by VLC technology, code scanning payment and other modes, and provides an off-line payment method by means of intelligent devices such as intelligent mobile phones, tablet computers and the like with LED flash lamps and cameras.
Disclosure of Invention
The invention aims to provide an offline payment device with visible light and bar code bidirectional authentication.
The invention is realized in the following way: an offline payment device with visible light and bar code mutual authentication, comprising: electronic wallets, recharging consumers and servers.
An electronic wallet, comprising: the system comprises a visible light emission module, a bar code scanning module, a control module, a wallet module, an input module, a display module and a data interface; the control module is respectively and electrically connected with the visible light emission module, the bar code scanning module, the wallet module, the input module, the display module and the data interface; the visible light emission module is used for generating and sending visible light signals according to the information input by the control module; the bar code scanning module is used for scanning and identifying bar codes and outputting the identification result to the control module; a control module for: 1. processing information to be transmitted, generating a data packet, outputting the data packet to a visible light transmitting module, and driving the visible light transmitting module to transmit a visible light signal; 2. receiving the scanning result output of the bar code scanning module, and verifying the scanning result; 3. performing consumption, recharging, balance inquiry and read-write operation of operation log information with the wallet module; 4. generating information required to pass through a visible light emission module according to the received information and the generated payment information; 5. the data interaction can be carried out with the server through the data interface; a wallet module for holding a wallet comprising: user account information, wallet balance, consumption rights, inquiry passwords, payment passwords, operation logs, and information including production issuing institutions; and can verify whether the password input is consistent with the password stored in the wallet password module; the wallet module uses media including a mobile sim card and NFC as a carrier of the wallet module; the input module is used for inputting information including payment amount, inquiry password, payment password and operation instruction to the control module; the display module is used for displaying the payment amount, the password input interface, the operation instruction and the prompt information; the data interface is used for providing networking function of the electronic wallet and providing functions of connecting with the server and carrying out data exchange, data maintenance and upgrading.
A refill consumer comprising: the device comprises a visible light receiving module, a bar code display module, a read-write control module, a cashier box module, a keyboard module, a display and a communication module; the read-write control module is respectively and electrically connected with the visible light receiving module, the bar code display module, the cashier box module, the keyboard module, the display and the communication module; the visible light receiving module is used for receiving the visible light signals, processing and restoring the visible light signals into corresponding digital signals, and restoring the digital signals into data packets; the bar code display module is used for generating and displaying a bar code according to the input information of the read-write control module; the read-write control module is used for: 1. receiving the output of the visible light receiving module and authenticating; 2. processing the information to be sent and outputting the processed information to a bar code display module; 3. performing consumption, recharging, balance inquiry and read-write operation of operation log information with a cashier box module; 4. providing a data interface, and uploading and downloading information with a server through a communication module; the cashier box module is used for storing the cashier box module comprising: information including operation log, collection consumption authority, blacklist, collection balance, operation password, validity period and production issuing agency; the keyboard module is used for inputting transaction amount, transaction password and operation instruction to the read-write control module; the display is used for displaying transaction amount, a password input interface, an operation instruction and prompt information; and the communication module is used for connecting the upper computer or the access network in a wired or wireless mode so as to be connected with the server.
A server for: 1. establishing uploading and downloading data connection with the recharging consumption machine through a communication module; 2. establishing uploading and downloading data connection with the electronic wallet through a data interface; 3. providing background service support of the offline payment method; 4. providing an interface for the entire offline payment device to fund flow of the financial system; 5. providing for the release or cancellation of authorization of a top-up consumer, electronic wallet, comprising: key updating, algorithm updating and upgrading, use right adjustment, validity period adjustment, electronic wallet recharging, recharging consumer payment, electronic wallet and recharging consumer public information inquiry service; 6. the preservation comprises the following steps: the information of the authorized user list, the blacklist, the operation log summary and the recharging consumption machine list.
An authorized user list for storing information comprising: the identity of the electronic wallet which can carry out offline payment is authorized, the use authority, the validity period and the identity information of the electronic wallet holder; the blacklist is used for storing the identity information of the part of electronic purse which is refused to pay the transaction due to arrearage, loss reporting and improper use records in the authorized user list; a payment interface for providing an interface for the entire offline payment device to fund flow to the financial system; the operation log summarization is used for storing information including the query of all recharging consumers and electronic wallets, the time of recharging and consuming operations, payment amount and payment process data parameters; a recharge consumer manifest for storing instructions comprising: the identity of the top-up consumer that has been authorized to conduct the offline payment transaction, the usage rights, the expiration date, and the identity information of the top-up consumer holder.
The server is used for issuing authority to the recharging consumer, so that the recharging consumer has the function of accepting the payment of the electronic wallet in the device; the server is used for issuing rights to the electronic wallet, so that the electronic wallet has the function of paying to a recharging consumer in the device; meanwhile, a server issues an authorization to the user, wherein the authorization mode is to issue an authorization entity hardware device or provide an authorization number for the user of the existing device; the server charges the equipment, and writes the identity of the electronic wallet, the use authority, the validity period, the payment password and inquiry password of the electronic wallet and the identity information of the electronic wallet holder.
The offline payment device can provide 2 offline payment modes: offline payments requiring entry of a password during payment and offline payments not requiring entry of a password during payment.
The offline payment device can provide 2 offline payment methods: a method of initiating payment by a payee of a top-up consumer and a method of initiating payment by a payer of an electronic wallet.
In the payment process of offline payment, the data sent by the recharging consumer is received from the electronic wallet, and the data sent by the electronic wallet is received from the recharging consumer, so that the unidentified data and the unidentified data cannot be received in the payment process, and the device can unilaterally end the payment process after a set waiting time is overtime.
In the payment process of off-line payment, the data sent from the electronic wallet to the recharging consumer and the data sent from the recharging consumer to the electronic wallet may have the possibility of losing, being tampered and falsified in the receiving and transmitting process, so that in the payment process, the key data received each time is assumed to be different from the data generated or received in the previous step of the payment process, and the comparison and verification are required, thereby ensuring the reality and completeness of the receiving and transmitting data.
The invention provides an offline payment device by combining a visible light communication technology and a bar code scanning recognition technology, which solves the defect that online payment cannot be separated from a network and realizes a novel offline payment means. The invention adopts the existing equipment such as a smart phone, a tablet personal computer and the like which are almost one or even more than one hand of people as the carrier of the electronic wallet, thereby avoiding the trouble of carrying various payment tools with people and ensuring that people travel more conveniently and rapidly.
Drawings
Fig. 1 is a schematic structural view of the present invention.
Fig. 2 is a structural diagram of an apparatus in an embodiment of the present invention.
The marks in the figure: 1-an electronic wallet; 2-a top-up consumer; 3-a server; 11-a control module; 12-an input module; 13-a display module; 14-data interface; 15-a bar code scanning module; a 16-wallet module; 17-a visible light emitting module; 21-a read-write control module; 22-bar code display module; 23-cashier box module; 24-a visible light receiving module; 25-a keyboard module; 26-a display; 27-a communication module.
Detailed Description
Examples:
an offline payment device with visible light and bar code mutual authentication, comprising: an electronic wallet 1, a top-up consumer 2 and a server 3.
An electronic wallet 1 comprising: a visible light emission module 17, a bar code scanning module 15, a control module 11, a wallet module 16, an input module 12, a display module 13 and a data interface 14.
The visible light emitting module 17 is configured to generate and transmit a visible light signal according to the information input by the control module 11.
The bar code scanning module 15 is used for scanning the identification bar code and outputting the identification result to the control module 11;
a control module 11 for: 1. the information to be sent is processed to generate a data packet, and the data packet is output to the visible light emission module 17 to drive the visible light emission module 17 to send visible light signals; 2. receiving the scanning result output of the bar code scanning module 15 and verifying the scanning result; 3. performing consumption, recharging, balance inquiry and operation log information read-write operation with the wallet module 16; 4. generating information to be transmitted through the visible light emission module 17 according to the received information and the generated payment information; 5. data interaction with the server 3 can take place via the data interface 14.
A wallet module 16 for holding, including: user account information, wallet balance, consumption rights, inquiry passwords, payment passwords, operation logs, and information including production issuing institutions; and can verify whether the entered password is consistent with the password stored in the wallet password module.
The input module 12 is used for inputting payment amount, inquiry password, payment password and operation instruction to the control module 11.
The display module 13 is used for displaying payment amount, a password input interface, operation instructions and prompt information.
The data interface 14 is used for providing the networking function of the electronic wallet 1, providing the functions of connecting with the server 3, and performing data exchange, data maintenance and upgrading.
The electronic wallet 1 is implemented by a smart phone equipped with a flash and a camera.
Wallet module 16 is implemented using a cell phone sim card.
A refill consumer 2 comprising: the device comprises a visible light receiving module 24, a bar code display module 22, a read-write control module 21, a cashier box module 23, a keyboard module 25, a display 26 and a communication module 27.
The visible light receiving module 24 is configured to receive the visible light signal, process and restore the visible light signal to a corresponding digital signal, and restore the digital signal to a data packet.
The bar code display module 22 is configured to generate and display a bar code according to the input information of the read-write control module 21.
A read-write control module 21 for: 1. receiving the output of the visible light receiving module 24 and authenticating; 2. the information to be sent is processed and output to the bar code display module 22; 3. performing consumption, recharging, balance inquiry and operation log information reading and writing operations with the cashier box module 23; 4. a communication interface is provided for uploading and downloading information with the server 3 via the communication module 27.
Cashbox module 23 for holding a card comprising: operation log, collection consumption authority, blacklist, balance of collection, operation password, validity period and information of production and release mechanism.
The keyboard module 25 is used for inputting transaction amount, transaction password and operation instruction to the read-write control module 21.
And a display 26 for displaying the transaction amount, the password input interface, the operation instruction and the prompt information.
The communication module 27 is configured to connect to a host computer or an access network through a wired or wireless manner, so as to connect to a server.
A server 3 for: 1. establishing an uploaded and downloaded data connection with the recharging consumption machine 2 through a communication module 27; 2. establishing uploading and downloading data connection with the electronic wallet 1 through a data interface 14; 3. providing background service support of the offline payment method; 4. providing an interface for the entire offline payment device to fund flow of the financial system; 5. providing for the recharge consumer 2, the electronic wallet 1 to issue or cancel authorization includes: key updating, algorithm updating and upgrading, use right adjustment, validity period adjustment, electronic wallet recharging, recharging consumer payment, electronic wallet and recharging consumer public information inquiry service; 6. the preservation comprises the following steps: the information of the authorized user list, the blacklist, the operation log summary and the recharging consumption machine list.
An authorized user list for storing information comprising: the identity of the electronic wallet which is authorized to make offline payment, the use authority, the validity period and the identity information of the electronic wallet holder.
And the blacklist is used for storing the identification information of the part of the electronic purse which is refused to pay the transaction due to arrearages, loss reporting and improper use records in the authorized user list.
A payment interface for providing an interface for the entire offline payment device to funds flow with the financial system.
The operation log is summarized and used for storing information including all recharging consumers, inquiry of the electronic wallet, time of recharging and consuming operation, payment amount and payment process data parameters.
And the recharging consumption machine list is used for storing information, use permission and validity period of the recharging consumption machine terminal which is authorized to conduct the offline payment transaction.
The issuing process of the electronic wallet comprises the following steps: the server issues an authorization to the user, wherein the authorization mode is to issue an authorization entity hardware device; the server charges the equipment, and writes the identity of the electronic wallet, the use authority, the validity period, the payment password and inquiry password of the electronic wallet and the identity information of the electronic wallet holder.
The device provides 2 off-line payment modes, namely 1, standard off-line payment; 2. a small amount of password-free offline payment may also be provided.
(1) Standard offline payment requires a password to be entered during the payment process, and the payment process is as follows:
the payment is carried out by a payor of an authorized top-up consumer 2 and a payor of an authorized electronic wallet 1 together, the payment flow being as follows:
BF1, send out the request of collection by the party of collection, the process flow includes the following steps:
BF1.1, the payee inputs the payment amount JR1 to be received at the top-up consumer 2.
BF1.2, the read-write control module 21 generates a collection request SKQQ1 containing the collection amount JR1 and the identity CID1 of the recharging consumption machine 2 according to the collection amount JR1 input by BF1.1, and outputs the collection request SKQQ1 to the bar code display module 22.
BF1.3, the bar code display module 22 generates and displays a bar code according to the collection request SKQQ1, and starts waiting to receive the response of the payer; if no response is received from the payer within a set waiting time, the barcode display module 22 is refreshed to await the input of the next receipt request.
BF2, the payer accepts the request of collection from the payee, and make the payment response according to the request of collection, the process flow includes the following steps:
BF2.1, the electronic wallet 1 scans the bar code display module 22 identifying the payee with the bar code scanning module 13 to obtain the cash request SKQQ2.
BF2.2, the control module 11 obtains the collection amount JR2 and the identity CID2 of the recharging consumer 21 according to the collection request SKQQ2, displays JR2, CID2 and payment prompt information on the display module 12, and waits for the confirmation of the payer; if the payer agrees to pay, an instruction to agree to pay is input through the input module 12, and BF2.3 is entered; if the payer inputs an instruction of disagreeing payment or does not confirm whether to agree within a certain set time, the payment process is exited.
BF2.3, after the electronic wallet 1 obtains the instruction to agree to the payment, a prompt for inputting a password is displayed on the display module 13.
BF2.4, the user inputs a payment password by the input module 12 according to the prompt for password input in BF 2.3.
BF2.5, the control module 11 inputs the payment password input by the input module 12 to the wallet module 16, the wallet module 16 verifies the payment password, and when the verification is error-free, BF2.6 is entered; when the error is verified, a prompt for inputting the password error is displayed on the display module 13, and the payment flow is exited.
BF2.6, the control module 11 writes instructions to the wallet module 1 to query the wallet balance, checking if the wallet balance is sufficient for payment.
BF2.7, if the wallet balance is sufficient, returning a balance sufficient signal to the control module 11 by the wallet module 16 and entering BF2.8; if the wallet balance is insufficient, a balance insufficient signal is returned by the wallet module 16 to the control module 11 and into BF2.9.
BF2.8, the control module 11 generates a data packet containing the identity QID2 of the electronic wallet 1, the payment approval ZFTY2, the payment amount FKJR2 and the payment request SKQQ2, and outputs the data packet to the visible light emitting module 17, the visible light emitting module 17 sends the data packet in the form of a visible light signal, and starts waiting for the response of the payee; if the response from the payee is not received within a set waiting time, the operation is ended and the payment process is exited.
BF2.9, control module 11 generates a data packet containing identification QID2 of electronic wallet 1, payment balance deficiency ZFBZ2 and receipt request SKQQ2, and outputs the data packet to visible light emission module 17, visible light emission module 17 sends out the data packet in the form of visible light signal, control module 11 sends a prompt message of balance deficiency to display module 13, informs the user of payment party through display module 13, and simultaneously ends the operation, and exits the payment flow.
BF3, the payee sends out receipt according to the payment response sent by the payer, and the processing flow comprises the following steps:
BF3.1, the visible light receiving module 24 of the recharging machine 2 receives the visible light signal, converts the visible light signal into a data packet, and outputs the data packet to the read-write control module 21.
BF3.2, read-write control module 21 extracts the identity QID3 of electronic wallet 1, the request for collection SKQQ3, the payment amount FKJR3, the payment agreement ZFTY3 or the balance deficiency ZFBZ3 from the data packet; if the data packet is a data packet with insufficient balance, the read-write control module 21 sends a prompt message of insufficient balance to the display 26, informs the user of the payee through the display 26, and simultaneously ends the operation and exits the payment flow; if a data packet is agreed for payment, the following three verifications are performed:
1) Verifying whether the identification QID3 of the electronic wallet 1 is not listed in the blacklist, if the identification QID3 of the electronic wallet 1 is in the blacklist, the verification is failed; otherwise, the verification is passed.
2) Whether the receiving request SKQQ3 in the received data packet is consistent with the SKQQ1 sent by the receiving party or not is judged to be passing the verification if the receiving request SKQQ3 is consistent with the SKQQ1 sent by the receiving party; otherwise, the verification is not passed.
3) Whether the payment amount FKJR3 in the payment response data packet is consistent with the collection amount JR1 sent by the collection party or not, and if the payment amount FKJR3 is consistent with the collection amount JR1 sent by the collection party, the verification is passed; otherwise, the verification is not passed.
If the verification passes, the user enters BF3.3, otherwise, as long as at least one verification fails, the read-write control module 21 sends a prompt message of failed verification to the display 26, the user of the payee is informed through the display 26, the operation is ended, and the payment process is exited.
BF3.3, the read-write control module 21 generates a receipt information SLX including the collection amount JR1, the identification CID1 of the recharging machine 2, the identification QID3 of the electronic wallet 1, the payment approval ZFTY3, and the collection code SKM3, and outputs the receipt information SLX3 to the barcode display module 22.
BF3.4, the bar code display module 22 generates and displays a bar code according to the acceptance information SLX3, and starts waiting to receive the response of the payer; if the response from the payer is not received within a set waiting time, the bar code display module 22 is refreshed, the payment process operation is finished, and the payment process is exited.
BF4, the payor receives the receipt information from the payor, and make payment reply according to the receipt information, the processing flow of the payor includes:
BF4.1, the electronic wallet 1 scans the barcode display module 22 for identifying the payee with the barcode scanning module 15, and obtains the reception information SLX4.
BF4.2, the control module 11 obtains the collection amount JR4, the identity CID4 of the recharging consumption machine 2, the identity QID4 of the electronic wallet 1, the payment approval ZFTY4 and the collection code SKM4 according to the acceptance information SLX4, and performs the following verification:
1) Whether the collection amount JR2 coincides with the collection amount JR 4.
2) Whether the identity of the recharging consumer 2, CID2, is consistent with CID 4.
3) Whether the identity of the electronic wallet 1 is consistent with the identity of the electronic wallet 1, namely QID2 and QID 4.
4) Whether the payment approval ZFTY2 is consistent with the payment approval ZFTY 4.
If the 4 comparisons are consistent, entering BF4.3 for verification passing; otherwise, if the comparison disagreement is that the verification is not passed, the control module 11 sends a prompt message that the verification is not passed to the display module 13, the payer is informed through the display module 13, and meanwhile, the operation is finished, and the payment flow is exited.
BF4.4, the control module 11 sends a payment instruction to the wallet module 16 containing the amount JR4 to be collected, the identity CID4 of the top-up consumer 2.
BF4.5, wallet module 16 updates wallet balance, generates a payment code ZFM4, writes the time of this payment operation, the collection amount JR4, the identity CID4 of the recharging consumer 2, the payment code ZFM4, and the collection code SKM4 into wallet module 16, saves as an operation log, and outputs the payment amount JR4 and payment code ZFM4 to control module 11.
BF4.6, a data packet containing the payment answer of the identity identification QID4 of the electronic wallet 1, the payment amount JR4, the payment code ZFM4, the identity identification CID4 of the recharging consumer 2 is generated by the control module 11, and is output to the visible light emitting module 17, and the data packet is sent out in the form of visible light signals by the visible light emitting module 17.
BF5, the payee makes the payee confirmation according to the payment reply sent by the payer, and the processing flow comprises the following steps:
BF5.1, the visible light receiving module 24 of the recharging machine 2 receives the visible light signal, converts the visible light signal into a data packet, and outputs the data packet to the read-write control module 21.
BF5.2, read-write control module 21 draws identity QID5, amount of money JR5, payment code ZFM5, identity CID5, amount of money SKM5 of the recharging consumer of electronic wallet 1 from the data packet, and verify as follows:
1) Whether the collection amount JR1 coincides with the collection amount JR 5.
2) Whether the identity of the recharging consumer 2, CID1, is consistent with CID 5.
3) Whether the identity of the electronic wallet 1 is consistent with the identity of the electronic wallet 1, namely QID3 and QID 5.
4) The checkout code SKM3 is identical to SKM 5.
If the 4 comparisons are consistent, entering BF5.3 for verification passing; if the verification is not passed, the read-write control module 21 sends a prompt message indicating that the verification is not passed to the display 26, the display 26 informs the payee of the fact that the verification is not passed, and the operation is finished at the same time, and the payment process is exited.
BF5.3, write the time of this operation, identity QID3, amount of money JR5, payment code ZFM5, and payment code SKM5 of electronic wallet 1 into the payment collecting box module 23, generate operation log, update balance information of the payment collecting box module 23, and display prompt information of successful payment through display 26.
(2) The small-amount password-free offline payment mode does not need to input a password in the payment process; in the example of a fast secure free offline payment between a payee holding an authorized recharge consumer 2 and a payer holding an authorized electronic purse 2, the fast secure free offline payment between a payee holding an authorized recharge consumer 2 and a payer holding an authorized electronic purse 1 is performed as follows:
firstly, a payee inputs a collection amount SJR on the recharging consumer 2, a payer inputs a payment amount FJR on the electronic wallet 1, and then the quick password-free offline payment process is entered:
KF1, a payment request code ZFQQ1 is generated by the electronic wallet 1 and comprises an electronic wallet identity mark FID1, a payment amount FJR and a payment random code JRM1, and ZFQQ1 is sent out to a recharging consumer 2 by a visible light emission module in the form of a visible light signal.
After the KF2 and the recharging consumer 2 receive the payment request code ZFQQ2, the electronic wallet identity identification FID2, the payment amount FJR2 and the payment random code JRM2 are extracted from the payment request code ZFQQ2, and comparison verification is carried out:
KF2.1, comparing whether the payment amount FJR2 is consistent with the collection amount SJR, if not, exiting the payment flow, and displaying prompt information that the payment amount is inconsistent with the collection amount on a display 26; if so, KF2.2 is entered.
KF2.2, verifying the electronic wallet identity FID2, if the electronic wallet identity FID2 is verified to be in a blacklist, exiting the collection, and displaying prompt information of verification failure on a display 26; if the verification e-wallet identity FID2 does not pass on the blacklist, it enters KF3.
KF3, the recharging consumption machine 2 calculates and obtains a receipt response code SKYD3 according to the payment request code ZFQQ2, and generates a receipt code SKM3, wherein the receipt code SKM3 comprises: the amount SJR3, the recharging consumer identity SID3, and the receipt response code SKYD3.
KF4, recharging consumer 2 will collect the code SKM3, through the bar code display module 22 display.
KF5, the bar code displayed by the bar code display module 22 of the recharging consumption machine 2 is scanned by the electronic wallet 1 to obtain a cash collecting code SKM5, and the cash collecting amount SJR5, the recharging consumption machine identity SID5 and the cash collecting response code SKYD5 are extracted from the bar code, and are calculated and compared for verification:
KF5.1, comparing whether the payment amount FJR is consistent with the collection amount SJR5, if not, exiting the payment flow, and displaying prompt information that the payment amount is inconsistent with the collection amount on a display module 13; if so, KF5.2 is entered.
KF5.2, according to the receipt answer code SKYD5, calculating to obtain a payment request code FKQQ5, and comparing the payment request code FKQQ5 obtained by calculation with the original payment request code FKQQ2 of the payer; if the wallet balance is consistent, the wallet balance of the wallet module 16 is updated, an operation log is generated by the operation time SJ, the collection response code SKYD5, the payment amount FJR, the recharging consumption machine body identification SID5 and the collection response code SKYD5, and prompt information of successful payment is displayed through the display module 13; if the payment amount is inconsistent, the payment process is exited, and prompt information that the payment amount is inconsistent with the collection amount is displayed on the display module.
KF6, the payer obtains payment confirmation code FKQR6 according to the receipt answer code SKYD5, and generates payment code ZFM6, and payment code ZFM6 includes: the payment code SKM5, the electronic wallet id FID1, the payment amount FJR, and the payment confirmation code FKQR6, and the payment code ZFM6 is sent out by the visible light emitting module 17 in the form of a visible light signal.
KF7, the recharging consumption machine 2 receives the payment code ZFM7, extracts the payment code SKM7, the electronic wallet identity mark FID7 and the payment confirmation code FKQR7 from the payment code ZFM7, and calculates to obtain the payment response code SKYD7 according to the payment confirmation code FKQR 7; and performing verification:
1) Comparing the obtained receipt response code SKYD7 calculated by KF7 with the receipt response code SKYD3 obtained in KF3.
2) Comparing the cashing code SKM7 extracted by the KF7 with the SKM3 generated in the KF3.
3) Comparing the electronic wallet identity mark FID7 extracted from the KF7 with the electronic wallet identity mark FID2 extracted from the KF2.
4) Comparing the payment amount FJR7 extracted from KF7 with the payment amount FJR extracted from KF2.
If the above 4 comparisons are consistent, enter KF8; otherwise, the payment process is exited, and prompt information for verifying errors is displayed on a display.
KF8, the recharging and consuming machine 2 writes the operation time SJ, the electronic wallet identity FID7, the payment amount FJR5, the payment code ZFM7 and the payment code SKM7 into the payment receiving box module 23, generates an operation log, updates balance information of the payment receiving box module 23 and displays prompt information of successful payment receiving through the display 26.
Claims (1)
1. The utility model provides an off-line payment device of taking visible light and bar code mutual authentication which characterized in that this off-line payment device includes: electronic wallet, recharging consumer and server;
an electronic wallet, comprising: the system comprises a visible light emission module, a bar code scanning module, a control module, a wallet module, an input module, a display module and a data interface; the control module is respectively and electrically connected with the visible light emission module, the bar code scanning module, the wallet module, the input module, the display module and the data interface; the visible light emission module is used for generating and sending visible light signals according to the information input by the control module; the bar code scanning module is used for scanning and identifying bar codes and outputting the identification result to the control module; a control module for: 1. processing information to be transmitted, generating a data packet, outputting the data packet to a visible light transmitting module, and driving the visible light transmitting module to transmit a visible light signal; 2. receiving the scanning result output of the bar code scanning module, and verifying the scanning result; 3. performing consumption, recharging, balance inquiry and read-write operation of operation log information with the wallet module; 4. generating information required to pass through a visible light emission module according to the received information and the generated payment information; 5. the data interaction can be carried out with the server through the data interface; a wallet module for holding a wallet comprising: user account information, wallet balance, consumption rights, inquiry passwords, payment passwords, operation logs, and information including production issuing institutions; and can verify whether the password input is consistent with the password stored in the wallet password module; the wallet module uses a medium comprising a mobile phone sim card and NFC as a carrier of the wallet module, and an input module is used for inputting information comprising payment amount, inquiry password, payment password and operation instruction to the control module; the display module is used for displaying the payment amount, the password input interface, the operation instruction and the prompt information; the data interface is used for providing a networking function of the electronic wallet and providing functions of connecting with a server and carrying out data exchange, data maintenance and upgrading;
a refill consumer comprising: the device comprises a visible light receiving module, a bar code display module, a read-write control module, a cashier box module, a keyboard module, a display and a communication module; the read-write control module is respectively and electrically connected with the visible light receiving module, the bar code display module, the cashier box module, the keyboard module, the display and the communication module; the visible light receiving module is used for receiving the visible light signals, processing and restoring the visible light signals into corresponding digital signals, and restoring the digital signals into data packets; the bar code display module is used for generating and displaying a bar code according to the input information of the read-write control module; the read-write control module is used for: 1. receiving the output of the visible light receiving module and authenticating; 2. processing the information to be sent and outputting the processed information to a bar code display module; 3. performing consumption, recharging, balance inquiry and read-write operation of operation log information with a cashier box module; 4. providing a data interface, and uploading and downloading information with a server through a communication module; the cashier box module is used for storing the cashier box module comprising: information including operation log, collection consumption authority, blacklist, collection balance, operation password, validity period and production issuing agency; the keyboard module is used for inputting transaction amount, transaction password and operation instruction to the read-write control module; the display is used for displaying transaction amount, a password input interface, an operation instruction and prompt information; the communication module is used for connecting an upper computer or an access network in a wired or wireless mode so as to be connected with the server;
a server for: 1. establishing uploading and downloading data connection with the recharging consumption machine through a communication module; 2. establishing uploading and downloading data connection with the electronic wallet through a data interface; 3. providing background service support of the offline payment method; 4. providing an interface for the entire offline payment device to fund flow of the financial system; 5. providing for the release or cancellation of authorization of a top-up consumer, electronic wallet, comprising: key updating, algorithm updating and upgrading, use right adjustment, validity period adjustment, electronic wallet recharging, recharging consumer payment, electronic wallet and recharging consumer public information inquiry service; 6. the preservation comprises the following steps: information including an authorized user list, a blacklist, an operation log summary and a recharging consumer list;
an authorized user list for storing information comprising: the identity of the electronic wallet which can carry out offline payment is authorized, the use authority, the validity period and the identity information of the electronic wallet holder; the blacklist is used for storing the identity information of the part of electronic purse which is refused to pay the transaction due to arrearage, loss reporting and improper use records in the authorized user list; a payment interface for providing an interface for the entire offline payment device to fund flow to the financial system; the operation log summarization is used for storing information including the query of all recharging consumers and electronic wallets, the time of recharging and consuming operations, payment amount and payment process data parameters; a recharge consumer manifest for storing instructions comprising: identity of a recharging consumer authorized to conduct offline payment transaction, use authority, validity period and identity information of a recharging consumer holder;
the server is used for issuing rights to the equipment comprising the module of the recharging consumer and the functions thereof, so that the equipment has the function of accepting the payment of the electronic wallet in the device; the server is used for issuing rights to the equipment comprising the modules and the functions of the electronic wallet, so that the electronic wallet has the function of paying to a recharging consumer in the device; meanwhile, a server issues an authorization to the user, wherein the authorization mode is to issue an authorization entity hardware device or provide an authorization number for the user of the existing device; recharging the equipment by the server, and writing the identity information of the electronic wallet, the use permission, the validity period, the payment password and the inquiry password of the electronic wallet and the identity information of the electronic wallet holder;
the offline payment device can provide 2 offline payment modes: offline payment requiring password input during payment and offline payment not requiring password input during payment;
the offline payment device can provide 2 offline payment methods: a method of initiating payment by a payee of a top-up consumer and a method of initiating payment by a payer of an electronic wallet;
in the payment process of off-line payment, the possibility that the data sent by the recharging consumer is received from the electronic wallet and the data sent by the electronic wallet is received from the recharging consumer can be unidentified in the receiving and transmitting process, so that in the payment process, the device can unidentified data and unidentified conditions caused by the fact that the data cannot be received, and the payment process is ended unilaterally after a set waiting time is overtime;
in the payment process of off-line payment, the data sent from the electronic wallet to the recharging consumer and the data sent from the recharging consumer to the electronic wallet may have the possibility of losing, being tampered and falsified in the receiving and transmitting process, so that in the payment process, the key data received each time is assumed to be different from the data generated or received in the previous step of the payment process, and the comparison and verification are required, thereby ensuring the reality and completeness of the receiving and transmitting data.
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Application publication date: 20170517 Assignee: Guangxi Biaoyu Technology Development Co.,Ltd. Assignor: GUILIN University OF TECHNOLOGY Contract record no.: X2023980044270 Denomination of invention: Offline payment device with visible light and barcode bidirectional authentication Granted publication date: 20230815 License type: Common License Record date: 20231026 |
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