CN106875179B - Offline two-dimensional code payment method and system thereof - Google Patents
Offline two-dimensional code payment method and system thereof Download PDFInfo
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- CN106875179B CN106875179B CN201710063406.8A CN201710063406A CN106875179B CN 106875179 B CN106875179 B CN 106875179B CN 201710063406 A CN201710063406 A CN 201710063406A CN 106875179 B CN106875179 B CN 106875179B
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3274—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
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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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Abstract
The invention provides an off-line two-dimensional code payment method and a system thereof, wherein the method comprises the steps that a payer shows a payment two-dimensional code containing a signature and payment information; the payment device scans the payment two-dimensional code; the collection device checks the signature information; if the signature verification is successful, storing the payment two-dimensional code; judging whether the cash register is connected with the network or not; when the collection equipment is in the networking state, corresponding deduction operation is carried out according to the payment information; the method can ensure safe off-line payment.
Description
Technical Field
The invention relates to the technical field of two-dimension code payment, in particular to an offline two-dimension code payment method and an offline two-dimension code payment system.
Background
With the pursuit of people for convenience, the two-dimensional code is widely applied to daily life, such as commodity information identification; in recent years, two-dimension code scanning payment is increasing day by day, and with penetration and popularization of two-dimension code payment, simple two-dimension code payment is promoted in various industries; however, at present, all processes of two-dimension code payment need network support, including a two-dimension code production process, a code scanning process and a money deduction process. This results in a great dependence of the two-dimensional code payment on the network, the payment efficiency is greatly reduced in places with poor signals, and the communication speed of the network determines the payment response speed, which limits the use of the two-dimensional code payment in places with high requirements on the payment response speed.
Disclosure of Invention
The invention aims to solve the problems that two-dimension code payment depends on a network and the payment response speed is not high enough.
In order to achieve the above object, the present invention provides an off-line two-dimensional code payment method and system.
An off-line two-dimensional code payment method comprises the following steps:
the payer displays a payment two-dimensional code containing the signature and payment information;
the payment device scans the payment two-dimensional code;
the collection device checks the signature information;
if the signature verification is successful, storing the payment two-dimensional code;
judging whether the cash register is connected with the network or not;
and when the collection equipment is in the networking state, carrying out corresponding deduction operation according to the payment information.
Optionally, the signature is a signature obtained by encrypting the identity by the payer in a private key encryption manner;
and the signature verification is that the collection equipment verifies the signature according to a public key decryption mode corresponding to the private key encryption mode.
Optionally, the private key used in the private key encryption manner and the public key used in the public key encryption manner are distributed and implanted by a background; the private key is distributed to a payer, and the public key is implanted into a cash collecting device.
Optionally, the deduction operation includes: the collection device encrypts the deduction information by the public key and sends the deduction information to the payer, and the payer decrypts the deduction information by using the private key.
Optionally, when the payment is performed on many-to-one payment, the public key is a public key group, the payment two-dimensional code further includes public key identification information, the collection device finds the corresponding public key according to the public key identification information, and verifies the signature and encrypts the deduction information by using the corresponding public key.
Optionally, when the collection device is in a networking state and the scanning frequency is higher than a preset frequency, no deduction operation is performed;
and when the collection equipment is in a networking state and the scanning frequency is lower than the preset frequency, carrying out money deduction operation.
Optionally, the payment two-dimensional code information includes one or more of price information, identity information, account information, and balance information.
Optionally, the payment two-dimensional code is generated by an application program of the intelligent terminal, and the application program includes private key information.
An off-line two-dimensional code payment system using the method comprises an intelligent terminal and a cash register device, and is characterized in that,
the intelligent terminal is provided with an application program, the application program comprises private key information, and the application program signs the related information according to the private key to generate the payment two-dimensional code.
The collection device comprises a scanning module, a signature checking module, a storage module, a network module and a money deduction module;
the scanning module is used for scanning the payment two-dimensional code;
the signature verification module is used for verifying signature information contained in the payment two-dimensional code;
the storage module is used for storing the payment two-dimensional code;
the network module is used for network connection;
and the deduction module is used for executing deduction operation.
Optionally, the deduction system further comprises an encryption module, and the encryption module is configured to encrypt the deduction information by using a public key. Compared with the prior art, the technical scheme has the beneficial effects that: and when no network exists, only the two-dimensional payment code is checked and stored, and the deduction operation is not executed. In the networking state, deduction operation is carried out according to the stored payment two-dimensional code information, dependence of two-dimensional code payment on a network is effectively reduced, and offline two-dimensional code payment can still be carried out when no network exists.
Drawings
FIG. 1 is a functional block diagram of an offline two-dimensional code payment method;
FIG. 2 is a functional block diagram of a signature and verification;
FIG. 3 is a block diagram of another off-line two-dimensional code payment method;
fig. 4 is a block diagram of an off-line two-dimensional code payment system.
Detailed Description
The technical solution of the present invention is described in detail and fully with reference to the accompanying drawings.
Referring to fig. 1, the present invention provides an offline two-dimensional code payment method, including the following steps:
s10), the payer shows the payment two-dimensional code: the payment two-dimensional code information must contain signed identity information and payment information. The signature is an encryption mode, the security can be guaranteed through encryption, and the payment can be deducted by the scanning of any collection device but by the corresponding decryption mode.
S11), scanning the payment two-dimensional code: the payment device scans the payment two-dimensional code provided by the payer;
s12), signature verification: after scanning the payment two-dimensional code, the payment equipment analyzes the information corresponding to the two-dimensional code, separates out the identity information containing the signature, and verifies the signature, namely decrypts the signature. And judging whether the identity information is correct or not, and preventing the payer from showing a random two-dimensional code without a payment function as a payment two-dimensional code.
S13), storing the payment two-dimensional code: if the verification of the signature is successful, the payment two-dimensional code shown by the payer is a legal payment two-dimensional code, and the two-dimensional code is stored after the verification of the signature is successful;
s13), judging whether to network: performing networking judgment after storage;
s14), deduction: and when the collection equipment is networked, deducting money.
In the steps, the scanning, the signature checking and the storage are executed without network support, and the deduction operation is executed after networking. Thus, even if the checkout device is offline, payment can still be completed. After the cash collecting device is networked, the cash collecting device transmits all the stored payment two-dimensional code information to the background, and the staff executes money deduction operation according to the payment two-dimensional code information through the background. Similarly, the deduction operation function can be integrated with the collection equipment, and when the collection equipment is networked, the collection equipment directly carries out deduction operation; at this moment, the deduction amount needs to be preset, and the payment device deducts money from the payer according to the preset deduction amount and the payment two-dimensional code.
Referring to fig. 2, in another embodiment, the signature and verification is a process of signature and verification using an asymmetric encryption algorithm, the asymmetric encryption algorithm includes a private key and a public key, and a general private key is owned by an individual and can be signed by using the private key; the public key is distributed to other people by the individual, and the other people use the public key to check the signature; or others may encrypt with the public key and correspondingly, the individual may decrypt with the private key. The signature and verification completion comprises the following steps:
s20), signature: the payee encrypts the identity information by using a private key to generate signature information and integrates the signature information into the payment two-dimensional code. Specifically, the payee may generate the signature information by using an application program including a private key encryption algorithm, and generate the payment two-dimensional code by using the application program. It should be noted that the signature includes two steps of encrypting and generating the payment two-dimensional code, and a specific implementation manner is not limited.
S21), scanning: the payment apparatus scans the payment two-dimensional code generated in step S20 and analyzes the signature information.
S22), signature verification: signature information analyzed by the collection equipment is checked to see whether the payment two-dimensional code is legal or not; if the signature verification is successful, the signature is legal; and if the signature verification is unsuccessful, the signature verification is illegal.
In the embodiment, the private key and the public key are distributed by the background, the background distributes the private key to the payer, and implants the corresponding public key into the cash collecting device.
In another embodiment, the deduction process includes an asymmetric encryption validation process, also using the public and private keys of the previous embodiment for encryption and decryption. Specifically, after the collection device is networked, the collection device encrypts the deduction information by using a public key and sends the deduction information to the payer, and the payer decrypts the deduction information according to a private key of the payer, checks the deduction information and confirms the deduction information. In the embodiment, an encrypted deduction confirmation process is added, so that the payment safety is greatly guaranteed.
In the embodiment of many-to-one payment, because of the one-to-one correspondence of the private key and the public key, the plurality of payers include a plurality of private keys, and therefore a plurality of public keys, called public key groups, may be inserted into the payment receiving device. In this embodiment, the payment two-dimensional code further includes public key identification information, and when the two-dimensional code is scanned by the payment apparatus, the corresponding public key is identified according to the public key identification information, and then the signature of the payment two-dimensional code is verified by using the public key; and if the signature verification is successful, the payment two-dimensional code is proved to be legal, and then the payment two-dimensional code is stored. And the failure of signature verification and the error of the identification information of the public key prove that the payment two-dimensional code is illegal. It should be noted that when sending the deduction information, the corresponding public key should be used for encryption to ensure that the payer can successfully decrypt the information with the private key and confirm the payment.
The bus payment system is a many-to-one payment system, and the system setting can be carried out by using the method. However, in this case, since the scanning frequency varies greatly due to the randomness of the passenger, the scanning rate is 0 during the running of the vehicle; when passengers get on the vehicle, the scanning frequency is not fixed. Based on this, the off-line two-dimensional code payment method of the invention further comprises frequency detection. Because the execution of the deduction takes a long time, when the scanning frequency is high, if the deduction operation is executed after the two-dimensional code is scanned and paid each time, the payment time of the passenger is greatly prolonged, and the money receiving device runs at a high speed, is extremely easy to crash, and has a certain influence on the service life of the money receiving device.
Referring to fig. 3, the offline two-dimensional code payment method provided by the invention further comprises a step S36 of judging the scanning frequency and the preset frequency, wherein when the scanning frequency is higher than a certain preset frequency, even if the collection device is in a networking state, the deduction operation is not executed, only the legality detection and the storage of the legal payment two-dimensional code are performed, and the detection and the storage do not need network support, so that the payment efficiency is greatly improved. When the scanning frequency is reduced, for example, to once every 3 seconds, and the collection device is networked, the deduction operation can be directly executed. For the deduction of the payment two-dimensional code stored in the high-frequency scanning process and the like to the collection device network and the scanning frequency is lower than the preset frequency, it should be noted that the frequency lower than the preset frequency includes the case that the scanning is not performed, that is, the scanning frequency is 0.
The embodiment can greatly improve the payment efficiency, and is particularly suitable for occasions with high payment frequency.
In another embodiment, the off-line two-dimensional code payment method further includes step S33 of emitting an alert tone: when the payment two-dimensional code is detected to be illegal, the money receiving equipment sends out a prompt tone to remind the payer to show the legal payment two-dimensional code again.
In the above embodiments, the payment two-dimensional code includes one or more of price information, identity information, account information, and balance information.
Optionally, the payment two-dimensional code information is generated by an intelligent terminal of a payer, such as a mobile phone, an application program matched with the payment receiving device is installed in the mobile phone, when payment is needed, the identity information is signed only through the application program, the payment two-dimensional code is generated according to the signature and the payment information, and then the payment two-dimensional code is placed at a scanning position of the payment receiving device for scanning.
Referring to fig. 4, the invention further provides an offline two-dimensional code payment system using the method, which includes an intelligent terminal 4 and a payment receiving device 5, wherein the intelligent terminal 4 is provided with an application program 5, the application program 5 includes a private key, and uses the private key to sign identity information, and generates a payment two-dimensional code according to the signature and payment information; the cashing device 5 comprises a scanning module 51, a label checking module 52, a storage module 54, a network module 55 and an execution module 56;
the scanning module 51 is used for scanning the payment two-dimensional code, and in practical application, a payer can place the payment two-dimensional code in a scanning area of the scanning module; the payee can also align the scanning module to the payment two-dimensional code, which is determined by the application occasion of the payment system.
The signature verification module 52 is configured to detect a signature included in the payment two-dimensional code, perform signature verification, and determine validity of the payment two-dimensional code;
the storage module 54 is configured to store the payment two-dimensional code;
the network module 55 is used for network connection;
the deduction module 56 is used for executing deduction operation.
In one embodiment, the checkout device further includes a prompt module 53 for issuing a prompt signal. Optionally, the prompt signal is a prompt tone, and the prompt module includes a speaker.
Although the present invention has been described with reference to the preferred embodiments, it is not intended to limit the present invention, and those skilled in the art can make variations and modifications of the present invention without departing from the spirit and scope of the present invention by using the methods and technical contents disclosed above.
Claims (9)
1. An off-line two-dimensional code payment method is characterized by comprising the following steps:
1) the payer shows a payment two-dimensional code containing the signature and payment information;
2) scanning the payment two-dimensional code by the collection equipment;
3) the collection device checks the signature information;
4) if the signature verification is successful, storing the payment two-dimensional code;
5) judging whether the collection equipment is connected with the network or not;
6) when the collection equipment is in the networking state, corresponding deduction operation is carried out according to the payment information;
when the collection device is in a networking state and the scanning frequency is higher than the preset frequency, the deduction operation is not carried out;
and when the collection equipment is in a networking state and the scanning frequency is lower than the preset frequency, carrying out money deduction operation.
2. The off-line two-dimensional code payment method of claim 1, wherein the signature is a signature obtained by encrypting the identity by a payer by using a private key encryption mode;
and the signature verification is that the collection equipment verifies the signature according to a public key decryption mode corresponding to the private key encryption mode.
3. The off-line two-dimensional code payment method according to claim 2, wherein a private key used in the private key encryption mode and a public key used in the public key encryption mode are distributed and implanted by a background; the private key is distributed to a payer, and the public key is implanted into a cash collecting device.
4. The offline two-dimensional code payment method according to claim 3, wherein the deduction operation comprises: the collection device encrypts the deduction information by the public key and sends the deduction information to the payer, and the payer decrypts the deduction information by using the private key.
5. The off-line two-dimensional code payment method according to claim 4, wherein when payment is made for many-to-one, the public key is a public key group, the two-dimensional code for payment further includes public key identification information, the collection device finds the corresponding public key according to the public key identification information, and verifies the signature and encrypts the deduction information by using the corresponding public key.
6. The off-line two-dimensional code payment method according to claim 1, wherein the payment two-dimensional code information comprises one or more of price information, identity information, account information and balance information.
7. The off-line two-dimensional code payment method according to claim 6, wherein the payment two-dimensional code is generated by an application program of the intelligent terminal, and the application program comprises private key information.
8. An off-line two-dimensional code payment system using the off-line two-dimensional code payment method according to any one of claims 1 to 7, comprising an intelligent terminal and a payment receiving device,
the intelligent terminal is provided with an application program, the application program comprises private key information, and signs related information according to the private key to generate a payment two-dimensional code;
the collection device comprises a scanning module, a signature checking module, a storage module, a network module and a money deduction module;
the scanning module is used for scanning the payment two-dimensional code;
the signature verification module is used for verifying signature information contained in the payment two-dimensional code;
the storage module is used for storing the payment two-dimensional code;
the network module is used for network connection;
and the deduction module is used for executing deduction operation.
9. The offline two-dimensional code payment system according to claim 8, further comprising an encryption module for encrypting the deduction information by using a public key.
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