CN106875180A - On-line payment method with visible ray Yu bar code two-way authentication - Google Patents
On-line payment method with visible ray Yu bar code two-way authentication Download PDFInfo
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- CN106875180A CN106875180A CN201710066538.6A CN201710066538A CN106875180A CN 106875180 A CN106875180 A CN 106875180A CN 201710066538 A CN201710066538 A CN 201710066538A CN 106875180 A CN106875180 A CN 106875180A
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- 238000000034 method Methods 0.000 title claims abstract description 30
- 239000013589 supplement Substances 0.000 claims abstract description 60
- 238000012011 method of payment Methods 0.000 claims abstract description 4
- 230000001502 supplementing effect Effects 0.000 claims description 33
- 238000004891 communication Methods 0.000 claims description 24
- 101100246991 Trichoderma harzianum qid3 gene Proteins 0.000 claims description 18
- 101150021084 CID2 gene Proteins 0.000 claims description 15
- 238000012790 confirmation Methods 0.000 claims description 15
- 230000003287 optical effect Effects 0.000 claims description 14
- 101100274418 Arabidopsis thaliana CID4 gene Proteins 0.000 claims description 9
- 102100027041 Crossover junction endonuclease MUS81 Human genes 0.000 claims description 9
- 101000982890 Homo sapiens Crossover junction endonuclease MUS81 Proteins 0.000 claims description 9
- 101000702606 Homo sapiens Structure-specific endonuclease subunit SLX4 Proteins 0.000 claims description 9
- 102100031003 Structure-specific endonuclease subunit SLX4 Human genes 0.000 claims description 9
- 230000005540 biological transmission Effects 0.000 claims description 8
- 101100011863 Arabidopsis thaliana ERD15 gene Proteins 0.000 claims description 6
- 101100191082 Saccharomyces cerevisiae (strain ATCC 204508 / S288c) GLC7 gene Proteins 0.000 claims description 6
- 101100274406 Schizosaccharomyces pombe (strain 972 / ATCC 24843) cid1 gene Proteins 0.000 claims description 6
- 238000012795 verification Methods 0.000 claims description 5
- 230000005611 electricity Effects 0.000 claims description 4
- 238000013475 authorization Methods 0.000 claims description 3
- 230000003993 interaction Effects 0.000 claims description 3
- 238000012423 maintenance Methods 0.000 claims description 3
- 238000012545 processing Methods 0.000 claims description 3
- 239000000284 extract Substances 0.000 claims description 2
- 235000013399 edible fruits Nutrition 0.000 claims 2
- 230000004927 fusion Effects 0.000 abstract 1
- 230000002452 interceptive effect Effects 0.000 abstract 1
- 238000005516 engineering process Methods 0.000 description 9
- 238000004321 preservation Methods 0.000 description 2
- 238000012360 testing method Methods 0.000 description 2
- 238000011161 development Methods 0.000 description 1
- 238000000605 extraction Methods 0.000 description 1
- 238000005070 sampling Methods 0.000 description 1
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
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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
- 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
- G06Q20/3674—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 involving authentication
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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
- 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
- G06Q20/3678—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 e-cash details, e.g. blinded, divisible or detecting double spending
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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
- G06Q20/3821—Electronic credentials
-
- 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)
- Finance (AREA)
- Strategic Management (AREA)
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- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
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- Computer Networks & Wireless Communication (AREA)
- Computer Security & Cryptography (AREA)
- Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention discloses a kind of on-line payment method with visible ray Yu bar code two-way authentication.The online consumption device of a cuff visible ray and bar code two-way authentication is set up, including：Stored value card, supplement charge machine and server with money；Server to charge machine and stored value card issued rights are supplemented with money, by beneficiary supplement charge machine, paying party stored value card and server tripartite with money and complete jointly by an implementation for method of payment；Payment process stored value card sends visible light signal, and the bar code that charge machine shows is supplemented in scanning with money；Supplement charge machine with money and receive visible light signal, and generate the wallet scanning of display bar code supplied for electronic；The data interactive fusion between charge machine and stored value card is supplemented with money in visible ray and bar code, the information such as the checking of process of exchange are main to be completed by server, accomplish to allow the smart mobile phone of outfit flash lamp and camera, panel computer to be also used as the means of payment, realized " machine leads to " the new trade mode based on equipment such as smart mobile phone, panel computers.
Description
Technical field
The invention belongs to light payment technology field, more particularly to a kind of on-line payment with visible ray Yu bar code two-way authentication
Method.
Background technology
When on-line payment refers to that both parties are traded by the e-commerce website on internet, financial institution provides
A kind of online capital settlement business.On-line payment for enterprises and individuals provide one safely, quickly, convenient electronics business
Business applied environment and online capital settlement instrument.With the development of internet and mobile Internet, on-line payment is also progressively entered
Enter entity consumption place, allow people without band wallet, convenient can consume.Alipay, wechat, apple pay exactly this
The typical case of class means of payment.
Visible light communication（Visible Light Communication, abbreviation VLC）Technology.VLC technologies are exactly to utilize
LED can send this feature for the light flash that high frequency flicker and human eye cannot be perceived, in the data sending terminal height of LED
Stroboscopic sparkles to carry signal, the collection of signal is carried out in photo-sensitive cell of the receiving terminal with the response time equally quickly, so as to realize
The method of radio communication.
" barcode scanning " is information acquiring pattern popular at present, is swept using the graph image sampling instrument of camera etc
One-dimension code, Quick Response Code are retouched, so as to recognize and obtain the information in bar code." barcode scanning payment " be then " barcode scanning " technology and wechat,
Means of payment means on the line grown up on the basis of the technologies such as Alipay." barcode scanning payment " is used as a kind of emerging payment hand
Section, after constantly improve in recent years, also becomes the means of payment of Central Bank's accreditation.
The present invention obtains the inspiration of the mode such as VLC technologies, " barcode scanning payment ", and by smart mobile phone, panel computer is this kind of has
The smart machine of LED flash and camera a, it is proposed that method for on-line payment.
The content of the invention
It is an object of the invention to provide a kind of on-line payment method with visible ray Yu bar code two-way authentication.
Concretely comprise the following steps：
(1) the online consumption device of a cuff visible ray and bar code two-way authentication is set up, including：Stored value card, supplement charge machine with money
And server.
Stored value card, including：VISIBLE LIGHT EMISSION module, bar code scan module, control module, input module, display module
And data-interface；VISIBLE LIGHT EMISSION module, for the information being input into according to control module, generates and sends visible light signal；Bar
Code scan module, for scanning recognition bar code, and the result of identification is exported to control module；Control module, is used for：1st, will treat
The information of transmission is processed, and generates packet, and is exported and given VISIBLE LIGHT EMISSION module, and driving VISIBLE LIGHT EMISSION module to send can
See optical signal；2nd, the scanning result output of bar code scan module is received, and scanning result is verified；3rd, according to the letter for receiving
Breath and the payment information of generation, generation need the information by VISIBLE LIGHT EMISSION module；4th, can be by data-interface and service
Device carries out data interaction, carry out including consuming, supplementing with money, inquiry into balance, the upload down operation of information including log query；
Input module, for being input into including the information including payment, password for inquiry, payment cipher, operational order to control module；
Display module, for showing payment, interface for password input, operational order and prompt message；Data-interface, for providing
The network savvy of stored value card, there is provided the function of data exchange, data maintenance and upgrading is connected and carried out with server.
Supplement charge machine with money, including：It can be seen that Optical Receivers, bar code display module, Read-write Catrol module, Keysheet module, aobvious
Show device, communication module；It can be seen that Optical Receivers, for receiving visible light signal, and treatment is reduced into corresponding data signal, also
It is former into packet；Bar code display module, for the input information according to Read-write Catrol module, generates and shows bar code；Read-write
Control module, is used for：1st, the output of visible Optical Receivers is received, and gives certification；2nd, information to be sent is processed,
Export and give bar code display module；The 3rd, data-interface is provided, carries out including gathering, inquiry, operation by communication module and server
Upload and download of the information in interior read-write operation；Keysheet module, for close to Read-write Catrol module input dealing money, transaction
Code, operational order；Display, for showing dealing money, interface for password input, operational order and prompt message；Communication mould
Block, for by wired or wirelessly, connecting host computer or access network, so as to be connected with server.
Server, is used for：1 and supplement with money charge machine by communication module set up upload, download data cube computation；2 and electricity
Sub- wallet sets up the data cube computation for uploading, downloading by data-interface；3rd, the background service for providing this on-line payment method is supported；
The 4th, the interface of the Capital Flow of whole on-line payment device and financial sector is provided；5th, to supplement charge machine, stored value card granting with money
Or cancel mandate, there is provided including：Key updating, algorithm update and upgrading, access right adjustment, term of validity adjustment, stored value card
Supplement with money, supplement with money charge machine pay in, stored value card and supplement with money charge machine public information inquiry in interior service；6th, preserving includes：Award
Power user inventory, blacklist, Operation Log collect, supplements charge machine inventory, stored value card with money and supplements charge machine with money access right,
The remaining sum of stored value card, stored value card and the term of validity of charge machine is supplemented with money in interior information.
Authorized user's inventory, includes for preserving：The identity mark of the authorized stored value card that can carry out on-line payment
Knowledge, access right, the term of validity, the identity information of stored value card holder；Blacklist, for preserving authorized user's inventory in, because
Arrearage, the identification information of the part stored value card reported the loss, have improper usage record and be rejected payment transaction；Pay
Interface, the interface for providing whole on-line payment device and the Capital Flow of financial sector；Operation Log collects, for preserving
Including all time, payment, payment process data of operation supplemented charge machine, the inquiry of stored value card with money, supplement with money, consume
Parameter is in interior information；Supplement charge machine inventory with money, include for preserving：It is authorized to carry out supplementing with money for on-line payment transaction
The identity of charge machine, access right, the term of validity, the identity information of supplementing charge machine holder with money.
Server is used to, to charge machine issued rights are supplemented with money, make it possess what the stored value card in receiving device was paid
Function；Server is used for electron wallet issued rights, it is possessed to the function that charge machine is paid of supplementing with money in device；
A mandate is provided to user by server simultaneously, authorization is to provide an authorized entity hardware device, or for
The user for having equipment provides a grant number；And for equipment is supplemented with money, write-in stored value card identity, access right, the term of validity,
The payment cipher and password for inquiry of stored value card, the identity information of stored value card holder.
(2) the online consumption device that step (1) is set up, method of payment supplements charge machine with money by holding identity for CID
Beneficiary and hold the paying party of stored value card that identity is QID and complete jointly, a payment initiated by beneficiary
Flow is as follows：
ZX1, gathering request is sent by beneficiary, and handling process is comprised the following steps：
ZX1.1, beneficiary is input into collection amount JR1 to be received on charge machine is supplemented with money.
ZX1.2, the collection amount JR1 that Read-write Catrol module is input into according to ZX1.1, generation one contain collection amount JR1
SKQQ1 is asked in gathering with the identity CID1 for supplementing charge machine with money, and gathering request SKQQ1 outputs are shown into mould to bar code
Block.
ZX1.3, will be collected money by communication module and ask SKQQ1 to upload onto the server；And download a gathering from server
Random code SKSJ1.
ZX1.4, bar code display module generates a bar code and shows according to gathering request SKQQ1 and gathering random code SKSJ1
Show to come, and start waiting for receiving the response of paying party；If do not received from paying party within a stand-by period for setting
Response, then refresh bar code display module, wait the input of next gathering request.
ZX2, paying party receives the gathering request from beneficiary, and makes payment response, processing stream according to gathering request
Journey is comprised the following steps：
ZX2.1, stored value card recognizes the bar code display module of beneficiary with bar code scan module scans, obtains gathering request
SKQQ2 and gathering random code SKSJ2.
ZX2.2, control module obtains collection amount JR2 and supplements the identity of charge machine with money according to gathering request SKQQ2
CID2, stored value card is veritified by connection server：
1）The identity CID2 of charge machine is supplemented in veritification with money, confirms that identity CID2's supplements charge machine with money, if be by
Authorize and exclude blacklist.
2）Verification server gives the gathering that the gathering random code SKSJ1 and stored value card that supplement charge machine download with money are received random
Whether code SKSJ2.
There is at least one not pass through if two above is veritified, display server veritifies what is do not passed through on display module
Information；Else if two veritifications all pass through, by JR2, CID2 and presentation for payment presentation of information on display module, and wait is paid
Money side confirms.
ZX2.3, if paying party is agreed to pay, is just input into the instruction for agreeing to pay, and enter into by input module
ZX2.4；If paying party input disagrees the instruction of payment or is not confirmed whether to agree within the time of certain setting,
Exit payment flow.
ZX2.4, after stored value card obtains the instruction that agreement pays, shows the prompting of input password on display module.
ZX2.5, user is input into payment cipher ZFMM2 according to the prompting of Password Input in ZX2.4 by input module.
ZX2.6, the payment cipher ZFMM2 that be input into for input module by control module, and generation one is indentured containing electronic money
Part mark QID2, payment agree to ZFTY2, payment FKJR2, collect money and ask the packet of SKQQ2 and payment cipher ZFMM2,
And packet is sent out packet output by VISIBLE LIGHT EMISSION module to VISIBLE LIGHT EMISSION module in the form of visible light signal
See off, and start waiting for the response of beneficiary；If not receiving the sound from beneficiary within a stand-by period for setting
Should, then end operation, exits payment flow.
ZX3, the payment response that beneficiary sends according to paying party sends and makes gathering and accept, and handling process is comprising as follows
Step：
ZX3.1, visible light signal is received by the visible Optical Receivers for supplementing charge machine with money, and is converted into packet, then export to
Read-write Catrol module.
ZX3.2, Read-write Catrol module extracted from packet stored value card identity QID3, gathering request SKQQ3,
ZFTY3, payment cipher ZFMM3 are agreed in payment FKJR3, payment；The letter for extracting is uploaded to server by communication module
Breath, and following three checking is carried out by server：
1）During whether checking stored value card identity QID3 does not pipe off, if stored value card identity QID3 exists
In blacklist, for checking does not pass through；Otherwise it is to be verified.
2）Receive in packet gathering request SKQQ3 it is whether consistent with the SKQQ1 sent by beneficiary, if both one
Cause, to be verified；Otherwise for checking does not pass through.
3）Payment FKJR3 in the packet of payment response whether with the collection amount JR1 mono- sent by beneficiary
Cause, if both are consistent, to be verified；Otherwise for checking does not pass through.
4）Whether payment cipher ZFMM3 is QID3 stored value cards payment cipher one with the identity of preservation on server
Cause；If both are consistent, to be verified；Otherwise for checking does not pass through.
5）Whether payment FKJR3 is the remaining sum of QID3 stored value cards more than identity；If remaining sum enough if test
Card passes through；Else if Sorry, your ticket has not enough value for checking does not pass through.
When the above 5 is all verified, one checking confirmation code YSQR3 of server return is supplemented with money charge machine and is entered
ZX3.3, as long as otherwise there is at least one checking not pass through, server returns to the information that does not pass through of checking to supplementing charge machine with money, then
One being sent to display and verifying the prompt message not passed through, the use of beneficiary is informed by display from Read-write Catrol module
Family, while end operation, exits payment flow；When being verified as that Sorry, your ticket has not enough value, the not enough prompt message of balance amount prompting is gone back.
ZX3.3, Read-write Catrol module generates one and includes collection amount JR1, supplements charge machine identity CID1, electricity with money
Sub- purse identity mark QID3, pay and agree to that ZFTY3, gathering code SKM3, checking confirmation code YSQR3 accept information SLX3, and
Information SLX3 outputs to bar code display module will be accepted.
ZX3.4, bar code display module generates a bar code and shows according to information SLX3 is accepted, and starts waiting for connecing
Receive the response of server；If not receiving the response from server within a stand-by period for setting, refresh bar code and show
Show module, terminate the flow operations of this payment, exit payment flow.
ZX4, payer receives the gathering from beneficiary and accepts information, and makes payment answer, the place of paying party accordingly
Reason flow includes：
ZX4.1, stored value card recognizes the bar code display module of beneficiary with bar code scan module scans, obtains accepting information
SLX4。
ZX4.2, control module obtains collection amount JR4, supplements the identity of charge machine with money according to information SLX4 is accepted
ZFTY4, gathering code SKM4, checking confirmation code YSQR4 are agreed in CID4, stored value card identity QID4, payment, are connect by data
Mouth uploads the information for extracting to server, and carries out following three checking by server：
1）Whether collection amount JR2 is consistent with collection amount JR4.
2）Whether the identity CID2 for supplementing charge machine with money is consistent with CID4.
3）Whether stored value card identity QID2 is consistent with QID4.
4）Pay and agree to that ZFTY2 agrees to whether ZFTY4 is consistent with payment.
5）Supplement the checking confirmation code YSQR3 and stored value card from accepting for receiving of the server return that charge machine is received with money
The checking confirmation code YSQR4 that information SLX4 is extracted.
If 5 contrasts are all consistent respectively above, to be verified, into ZX4.3；As long as if thering is a contrast to differ
Cause, then for checking does not pass through, the information just not passed through by one checking of server generation is sent to stored value card and supplements consumption with money
Machine, ZX4.5；One is sent from control module to display module and verify the prompt message not passed through, informed by display module again
Paying party, while end operation, exits payment flow.
ZX4.3, server update identity for QID4 stored value card remaining sum, and the time of this payment operation,
Collection amount JR4, the identity CID4 for supplementing charge machine with money, payment code ZFM4, gathering code SKM4 simultaneously electron wallet and are supplemented with money
Charge machine sends a gathering and completes code SKWC.
ZX4.4, stored value card receives gathering and completes code SKWC, and a payment is sent to display module by control module
The prompt message of completion, is shown to inform paying party by display module, while end operation, exits payment flow.
ZX4.5, stored value card receives the information that checking does not pass through, then a checking is sent to display module from control module
The prompt message not passed through, paying party is informed by display module, while end operation, exits payment flow.
ZX5, the information of beneficiary the reception server, handling process is comprised the following steps：
ZX5.1, supplements charge machine with money and receives the information that gathering completion code SKWC or checking do not pass through, if receive collected money
Into code SKWC, send one to display by Read-write Catrol module and pay the prompt message for completing, shown by display
Come to inform beneficiary, while end operation, exits payment flow；If the information that checking does not pass through is received, by reading
Write control module and send the prompt message that a checking does not pass through to display, show to inform gathering by display
Side, while end operation, exits payment flow.
In payment flow, the data for supplementing charge machine transmission with money are received from stored value card, and received from charge machine is supplemented with money
, may all there is the possibility of None- identified during transmitting-receiving in the data that stored value card sends, so in payment flow, it is right
In the data of None- identified, and lead to not the situation of identification because of data cannot be received, device all can be in a setting
Stand-by period time-out after, unilaterally terminate payment flow.
In payment flow, from stored value card to the data for supplementing charge machine transmission with money, and from supplementing charge machine to electronics with money
The data that wallet sends, may there is a possibility that the loss of data during transmitting-receiving, be tampered, forge, therefore pay
In flow, to the critical data for receiving every time, all assume what is generated the step of before the data being currently received and payment flow
Or the data that receive are different, it is necessary to contrast verification, thereby guarantees that the true, complete of transceiving data.
The present invention is combined using both visible light communication technology and bar code scan identification technology, and the one kind for proposing exists
Line method of payment, realizes a kind of on-line payment means of novelty.The present invention uses the present people almost even people of staff one
Equipment such as smart mobile phone, panel computer that hand is many, as the carrier of stored value card, it is to avoid carry with the various means of payment
Trouble, allow people to go on a journey more convenient, realize " machine lead to " based on equipment such as smart mobile phone, panel computers new
Trade mode.
Brief description of the drawings
Fig. 1 is the structural representation of the inventive method.
Fig. 2 is the structure chart of device in embodiments of the invention.
Marked in figure：1- stored value cards；2- supplements charge machine with money；3- servers；11- control modules；12- input modules；13-
Display module；14- data-interfaces；15- bar code scan modules；17- VISIBLE LIGHT EMISSION modules；21- Read-write Catrol modules；22- bars
Code display module；The visible Optical Receivers of 24-；25- Keysheet modules；26- displays；27- communication modules.
Specific embodiment
Embodiment：
A kind of on-line payment method with visible ray Yu bar code two-way authentication of the invention, specific implementation step is as follows：
The online consumption device of a cuff visible ray and bar code two-way authentication is set up, including：Stored value card 1, supplement with money charge machine 2,
Server 3.
Stored value card 1, including：VISIBLE LIGHT EMISSION module 17, bar code scan module 15, control module 11, input module 12,
Display module 13, data-interface 14.
VISIBLE LIGHT EMISSION module 17, for the information being input into according to control module 11, generates and sends visible light signal.
Bar code scan module 15, for scanning recognition bar code, and the result of identification is exported to control module 11.
Control module 11, is used for：1st, information to be sent is processed, generate packet, and export hair to visible ray
Module 17 is penetrated, drives VISIBLE LIGHT EMISSION module 17 to send visible light signal；2nd, the scanning result for receiving bar code scan module 15 is defeated
Go out, and scanning result is verified；3rd, according to the information and the payment information of generation for receiving, generation needs to be sent out by visible ray
Penetrate the information of the transmission of module 17；4th, data interaction can be carried out by data-interface 14 and server 3, carries out including consumption, fills
Value, inquiry into balance, log query interior information upload down operation.
Input module 12, for the input of control module 11 payment, password for inquiry, payment cipher, operational order.
Display module 13, for showing payment, interface for password input, operational order and prompt message.
Data-interface 14, the network savvy for providing stored value card 1, there is provided be connected with server 3, and carry out data friendship
Change, the function of data maintenance and upgrading.
Stored value card 1 is realized using the smart mobile phone for being configured with flash lamp and camera.
Supplement charge machine 2 with money, including：It can be seen that Optical Receivers 24, bar code display module 22, Read-write Catrol module 21, keyboard
Module 25, display 26, communication module 27.
It can be seen that Optical Receivers 24, for receiving visible light signal, and treatment is reduced into corresponding data signal, is reduced into
Packet.
Bar code display module 22, for the input information according to Read-write Catrol module 21, generates and shows bar code.
Read-write Catrol module 21, is used for：1st, the output of visible Optical Receivers 24 is received, and gives certification；2nd, will be pending
The information sent is processed, and is exported to bar code display module 22；3rd, communication interface is provided, by communication module 27 and server 3
Enter the upload and download of row information.
Keysheet module 25, for the input of Read-write Catrol module 21 dealing money, trading password, operational order.
Display 26, for showing dealing money, interface for password input, operational order and prompt message.
Communication module 27, for by wired or wirelessly, connecting host computer or access network, so as to clothes
Business device is connected.
Server 3, is used for：1 and supplement with money charge machine 2 by communication module 27 set up upload, download data cube computation；2、
The data cube computation for uploading, downloading is set up by data-interface 14 with stored value card 1；The 3rd, the backstage clothes of this on-line payment method are provided
Business is supported；The 4th, the interface of the Capital Flow of whole on-line payment device and financial sector is provided；5th, to supplement charge machine 2, electronics with money
Mandate is provided or cancelled to wallet 1, there is provided including：Key updating, algorithm update and upgrading, access right adjustment, the term of validity are adjusted,
Stored value card supplements with money, supplement charge machine with money pays in, stored value card and supplement the inquiry of charge machine public information with money in interior service；6th, preserve
Including：Authorized user's inventory, blacklist, Operation Log collect, supplement charge machine inventory with money in interior information.
Authorized user's inventory, includes for preserving：The identity mark of the authorized stored value card that can carry out on-line payment
Knowledge, access right, the term of validity, the identity information of stored value card holder.
Blacklist, for preserving authorized user's inventory in, because arrearage, report the loss, have improper usage record be rejected branch
Pay the identification information of the part stored value card of transaction.
Payment interface, the interface for providing whole on-line payment device and the Capital Flow of financial sector.
Operation Log collects, and all behaviour for supplementing charge machine, the inquiry of stored value card with money, supplementing with money, consume are included for preserving
Time, payment, the payment process data parameters of work are in interior information.
Supplement charge machine inventory with money, for preserve it is authorized can carry out on-line payment transaction supplement charge machine terminal with money
Information, access right, the term of validity.
The distribution process of stored value card includes：A mandate is provided to user by server, authorization can be provided
One authorized entity hardware device, it is also possible to be to be equipped with equipment of the invention for user is existing to provide a grant number；And be
Equipment is supplemented with money, the identity of write-in stored value card, access right, the term of validity, the payment cipher of stored value card and password for inquiry, electricity
The identity information of sub- wallet holder.
One payment flow embodiment is as follows：
Pay and completed jointly by the paying party of a beneficiary for supplementing charge machine 2 with money for authorizing and a stored value card 1 for mandate,
Payment flow is as follows：
ZX1, gathering request is sent by beneficiary, and handling process is comprised the following steps：
ZX1.1, beneficiary is input into collection amount JR1 to be received on charge machine 2 is supplemented with money.
ZX1.2, the collection amount JR1 that Read-write Catrol module 21 is input into according to ZX1.1, generation one contain collection amount
SKQQ1 is asked in the gathering of JR1 and the identity CID1 for supplementing charge machine 2 with money, and gathering request SKQQ1 outputs are shown to bar code
Module 22.
ZX1.3, bar code display module 22 generates a bar code and shows according to gathering request SKQQ1, and starts
The response of paying party to be received；If not receiving the response from paying party within a stand-by period for setting, refresh bar
Code display module 22, waits the input of next gathering request.
ZX1.3,3 are uploaded onto the server by the request SKQQ1 that will collect money of communication module 27；And download one from server 3
Gathering random code SKSJ1.
ZX1.4, bar code display module 22 generates a bar code simultaneously according to gathering request SKQQ1 and gathering random code SKSJ1
Show, and start waiting for receiving the response of paying party；If do not received from payment within a stand-by period for setting
The response of side, then refresh bar code display module 22, waits the input of next gathering request.
ZX2, paying party receives the gathering request from beneficiary, and makes payment response, processing stream according to gathering request
Journey is comprised the following steps：
ZX2.1, the bar code display module 22 of the scanning recognition beneficiary of bar code scan module 13 of stored value card 1, obtains gathering and asks
Seek SKQQ2 and gathering random code SKSJ2.
ZX2.2, control module 11 obtains collection amount JR2 and supplements the identity mark of charge machine with money according to gathering request SKQQ2
Know CID2, stored value card 1 is veritified by connection server 3：
1）The identity CID2 of charge machine is supplemented in veritification with money, confirms that identity CID2's supplements charge machine 2 with money, if be by
Authorize and exclude blacklist.
2）Verification server 3 gives the gathering that the gathering random code SKSJ1 and stored value card 1 that supplement the download of charge machine 2 with money are received
Whether random code SKSJ2.
There is at least one not pass through if two above is veritified, display server 3 is veritified obstructed on display module 13
The information crossed；Else if two veritifications all pass through, by JR2, CID2 and presentation for payment presentation of information on display module 13, and
Paying party is waited to confirm.
ZX2.3, if paying party is agreed to pay, is just input into the instruction for agreeing to pay, and enter into by input module 12
ZX2.4；If paying party input disagrees the instruction of payment or is not confirmed whether to agree within the time of certain setting,
Exit payment flow.
ZX2.4, after stored value card 1 obtains the instruction that agreement pays, shows the prompting of input password on display module 13.
ZX2.5, user is input into payment cipher ZFMM2 according to the prompting of Password Input in ZX2.4 by input module 12.
ZX2.6, the payment cipher ZFMM2 that be input into for input module 12 by control module 11, and generation one contains electronic money
Bag identity QID2, payment agree to ZFTY2, payment FKJR2, the data of gathering request SKQQ2 and payment cipher ZFMM2
Bag, and by packet output to VISIBLE LIGHT EMISSION module, by VISIBLE LIGHT EMISSION module 17 by packet with visible light signal
Form sends, and starts waiting for the response of beneficiary；If do not received from gathering within a stand-by period for setting
The response of side, then end operation, exits payment flow.
ZX3, the payment response that beneficiary sends according to paying party sends and makes gathering and accept, and handling process is comprising as follows
Step：
ZX3.1, visible light signal is received by the visible Optical Receivers 24 for supplementing charge machine 2 with money, and is converted into packet, then is exported
To Read-write Catrol module 21.
ZX3.2, Read-write Catrol module 21 extracts stored value card identity QID3, gathering request from packet
ZFTY3, payment cipher ZFMM3 are agreed in SKQQ3, payment FKJR3, payment；Uploaded to server 3 by communication module 27 and carried
The information of taking-up, and following three checking is carried out by server 3：
1）During whether checking stored value card identity QID3 does not pipe off, if stored value card identity QID3 exists
In blacklist, for checking does not pass through；Otherwise it is to be verified.
2）Receive in packet gathering request SKQQ3 it is whether consistent with the SKQQ1 sent by beneficiary, if both one
Cause, to be verified；Otherwise for checking does not pass through.
3）Payment FKJR3 in the packet of payment response whether with the collection amount JR1 mono- sent by beneficiary
Cause, if both are consistent, to be verified；Otherwise for checking does not pass through.
4）Whether payment cipher ZFMM3 is QID3 stored value cards payment cipher one with the identity of preservation on server
Cause；If both are consistent, to be verified；Otherwise for checking does not pass through.
5）Whether payment FKJR3 is the remaining sum of QID3 stored value cards more than identity；If remaining sum enough if test
Card passes through；Else if Sorry, your ticket has not enough value for checking does not pass through.
When the above 5 is all verified, one checking confirmation code YSQR3 of the return of server 3 is supplemented with money charge machine 2 and is entered
ZX3.3, as long as otherwise there is at least one checking not pass through, server 3 returns to the information that does not pass through of checking to supplementing charge machine 2 with money,
One is sent to display 26 from Read-write Catrol module 21 again and verifies the prompt message not passed through, gathering is informed by display 26
The user of side, while end operation, exits payment flow；When being verified as that Sorry, your ticket has not enough value, the not enough prompting letter of balance amount prompting is gone back
Breath.
ZX3.3, Read-write Catrol module 21 generate one include collection amount JR1, supplement with money charge machine identity CID1,
Stored value card identity QID3, pay and agree to that ZFTY3, gathering code SKM3, checking confirmation code YSQR3 accept information SLX3,
And information SLX3 outputs to bar code display module 22 will be accepted.
ZX3.4, bar code display module 22 generates a bar code and shows according to information SLX3 is accepted, and starts waiting for
The response of the reception server 3；If not receiving the response from server 3 within a stand-by period for setting, refresh bar
Code display module 22, terminates the flow operations of this payment, exits payment flow.
ZX4, payer receives the gathering from beneficiary and accepts information, and makes payment answer, the place of paying party accordingly
Reason flow includes：
ZX4.1, the bar code display module 22 of the scanning recognition beneficiary of bar code scan module 15 of stored value card 1, obtains accepting letter
Breath SLX4.
ZX4.2, control module 11 obtains collection amount JR4, supplements charge machine identity with money according to information SLX4 is accepted
ZFTY4, gathering code SKM4, checking confirmation code YSQR4 are agreed in CID4, stored value card identity QID4, payment, are connect by data
Mouth uploads the information for extracting to server 3, and carries out following three checking by server 3：
1）Whether collection amount JR2 is consistent with collection amount JR4.
2）Supplement charge machine identity CID2 with money whether consistent with CID4.
3）Whether stored value card identity QID2 is consistent with QID4.
4）Pay and agree to that ZFTY2 agrees to whether ZFTY4 is consistent with payment.
5）Checking confirmation code YSQR3 that the server 3 that charge machine 2 receives returns and stored value card 1 are supplemented with money from receiving
Accept the checking confirmation code YSQR4 of information SLX4 extractions.
If 5 contrasts are all consistent respectively above, to be verified, into ZX4.3；As long as if thering is a contrast to differ
Cause, then for checking does not pass through, just generate one by server 3 and verify that the information that does not pass through is sent to stored value card 1 and disappears with supplementing with money
Take machine 2, ZX4.5；One is sent to display module 13 from control module 11 again and verifies the prompt message not passed through, by showing mould
Block 13 informs paying party, while end operation, exits payment flow.
ZX4.3, server 3 update identity for QID4 stored value card remaining sum, and the time of this payment operation,
Collection amount JR4, the identity CID4 for supplementing charge machine with money, payment code ZFM4, gathering code SKM4 simultaneously electron wallet 1 and fill
Value charge machine 2 sends a gathering and completes code SKWC.
ZX4.4, stored value card 1 receives gathering and completes code SKWC, and one is sent to display module 13 by control module 11
It is individual to pay the prompt message for completing, shown to inform paying party by display module 13, while end operation, exits payment
Flow.
ZX4.5, stored value card 1 receives the information that checking does not pass through, then sends one from control module 11 to display module 13
It is individual to verify the prompt message not passed through, paying party is informed by display module 13, while end operation, exits payment flow.
ZX5, the information of beneficiary the reception server 1, handling process is comprised the following steps：
ZX5.1, supplements charge machine 2 with money and receives the information that gathering completion code SKWC or checking do not pass through, if receiving gathering
Code SKWC is completed, sending one to display 26 by Read-write Catrol module 21 pays the prompt message for completing, by display
26 show to inform beneficiary, while end operation, exits payment flow；If receiving the information that checking does not pass through,
Then one is sent by Read-write Catrol module 21 to display 26 and verify the prompt message not passed through, shown by display 26
Come to inform beneficiary, while end operation, exits payment flow.
Claims (1)
1. a kind of on-line payment method with visible ray Yu bar code two-way authentication, it is characterised in that concretely comprise the following steps：
(1) the online consumption device of a cuff visible ray and bar code two-way authentication is set up, including：Stored value card, supplement charge machine with money
And server；
Stored value card, including：VISIBLE LIGHT EMISSION module, bar code scan module, control module, input module, display module sum
According to interface；VISIBLE LIGHT EMISSION module, for the information being input into according to control module, generates and sends visible light signal；Bar code is swept
Module is retouched, for scanning recognition bar code, and the result of identification is exported to control module；Control module, is used for：1st, will be to be sent
Information processed, generate packet, and export and give VISIBLE LIGHT EMISSION module, drive VISIBLE LIGHT EMISSION module to send visible ray
Signal；2nd, the scanning result output of bar code scan module is received, and scanning result is verified；3rd, according to the information that receives and
The payment information of generation, generation needs the information by VISIBLE LIGHT EMISSION module；4th, can be entered by data-interface and server
Row data interaction, carry out including consuming, supplementing with money, inquiry into balance, the upload down operation of information including log query；Input
Module, for being input into including the information including payment, password for inquiry, payment cipher, operational order to control module；Display
Module, for showing payment, interface for password input, operational order and prompt message；Data-interface, for providing electronics
The network savvy of wallet, there is provided the function of data exchange, data maintenance and upgrading is connected and carried out with server；
Supplement charge machine with money, including：Thus it is clear that Optical Receivers, bar code display module, Read-write Catrol module, Keysheet module, display,
Communication module；It can be seen that Optical Receivers, for receiving visible light signal, and treatment is reduced into corresponding data signal, is reduced into
Packet；Bar code display module, for the input information according to Read-write Catrol module, generates and shows bar code；Read-write Catrol
Module, is used for：1st, the output of visible Optical Receivers is received, and gives certification；2nd, information to be sent is processed, is exported
Give bar code display module；The 3rd, data-interface is provided, carries out including gathering, inquiry, operation information by communication module and server
In the upload and download of interior read-write operation；Keysheet module, for Read-write Catrol module input dealing money, trading password,
Operational order；Display, for showing dealing money, interface for password input, operational order and prompt message；Communication module,
For by wired or wirelessly, connecting host computer or access network, so as to be connected with server；
Server, is used for：1 and supplement with money charge machine by communication module set up upload, download data cube computation；2 and electronic money
Wrap the data cube computation set up by data-interface and upload, download；3rd, the background service for providing this on-line payment method is supported；4th, carry
For whole on-line payment device and the interface of the Capital Flow of financial sector；5th, to supplement charge machine, stored value card granting with money or take
Disappear mandate, there is provided including：Key updating, algorithm update and upgrading, access right adjustment, term of validity adjustment, stored value card are supplemented with money,
Supplement with money charge machine pay in, stored value card and supplement with money charge machine public information inquiry in interior service；6th, preserving includes：Authorized user
Inventory, blacklist, Operation Log collect, supplement charge machine inventory, stored value card with money and supplement with money the access right of charge machine, electronic money
The remaining sum of bag, stored value card and the term of validity of charge machine is supplemented with money in interior information；
Authorized user's inventory, includes for preserving：The identity of the authorized stored value card that can carry out on-line payment, make
With authority, the term of validity, stored value card holder identity information；Blacklist, for preserving authorized user's inventory in, because arrearage,
The identification information of the part stored value card report the loss, having improper usage record and be rejected payment transaction；Payment interface,
Interface for providing whole on-line payment device and the Capital Flow of financial sector；Operation Log collects, and includes for preserving
All time, payment, payment process data parameters of operation supplemented charge machine, the inquiry of stored value card with money, supplement with money, consume
In interior information；Supplement charge machine inventory with money, include for preserving：It is authorized can carry out on-line payment transaction supplement consumption with money
The identity of machine, access right, the term of validity, the identity information of supplementing charge machine holder with money；
Server is used to, to charge machine issued rights are supplemented with money, make it possess the work(that the stored value card in receiving device is paid
Energy；Server is used for electron wallet issued rights, it is possessed to the function that charge machine is paid of supplementing with money in device；Together
When provide a mandate to user by server, authorization is to provide an authorized entity hardware device, or is existing
The user of equipment provides a grant number；And for equipment is supplemented with money, the identity of write-in stored value card, access right, the term of validity, electricity
The payment cipher and password for inquiry of sub- wallet, the identity information of stored value card holder；
(2) the online consumption device that step (1) is set up, method of payment is by holding the receipts for supplementing charge machine with money that identity is CID
Money side completes jointly with the paying party for holding the stored value card that identity is QID, a payment flow initiated by beneficiary
It is as follows：
ZX1, gathering request is sent by beneficiary, and handling process is comprised the following steps：
ZX1.1, beneficiary is input into collection amount JR1 to be received on charge machine is supplemented with money；
ZX1.2, the collection amount JR1 that Read-write Catrol module is input into according to ZX1.1, generation one is containing collection amount JR1 and fills
It is worth the gathering request SKQQ1 of the identity CID1 of charge machine, and gathering request SKQQ1 is exported to bar code display module；
ZX1.3, will be collected money by communication module and ask SKQQ1 to upload onto the server；And download a gathering at random from server
Code SKSJ1；
ZX1.4, bar code display module generates a bar code and shows according to gathering request SKQQ1 and gathering random code SKSJ1
Come, and start waiting for receiving the response of paying party；If not receiving the sound from paying party within a stand-by period for setting
Should, then refresh bar code display module, wait the input of next gathering request；
ZX2, paying party receives the gathering request from beneficiary, and makes payment response, handling process bag according to gathering request
Containing following steps：
ZX2.1, stored value card recognizes the bar code display module of beneficiary with bar code scan module scans, obtains gathering request
SKQQ2 and gathering random code SKSJ2；
ZX2.2, control module obtains collection amount JR2 and supplements the identity of charge machine with money according to gathering request SKQQ2
CID2, stored value card is veritified by connection server：
1）The identity CID2 of charge machine is supplemented in veritification with money, confirms that identity CID2's supplements charge machine with money, if be by
Authorize and exclude blacklist；
2）Verification server gives the gathering random code that the gathering random code SKSJ1 and stored value card that supplement charge machine download with money are received
Whether SKSJ2；
There is at least one not pass through if two above is veritified, display server veritifies the letter not passed through on display module
Breath；Else if two veritifications all pass through, by JR2, CID2 and presentation for payment presentation of information on display module, and pending payment is waited
Side confirms；
ZX2.3, if paying party is agreed to pay, is just input into the instruction for agreeing to pay, and enter into ZX2.4 by input module；
If paying party input disagrees the instruction of payment or is not confirmed whether to agree within the time of certain setting, branch is exited
Pay flow；
ZX2.4, after stored value card obtains the instruction that agreement pays, shows the prompting of input password on display module；
ZX2.5, user is input into payment cipher ZFMM2 according to the prompting of Password Input in ZX2.4 by input module；
ZX2.6, the payment cipher ZFMM2 that be input into for input module by control module, and generation one contains stored value card identity mark
Know QID2, pay and agree to ZFTY2, payment FKJR2, the packet of gathering request SKQQ2 and payment cipher ZFMM2, and will
Packet output is sent out packet by VISIBLE LIGHT EMISSION module to VISIBLE LIGHT EMISSION module in the form of visible light signal
Go, and start waiting for the response of beneficiary；If not receiving the response from beneficiary within a stand-by period for setting,
End operation, exits payment flow；
ZX3, the payment response that beneficiary sends according to paying party is sent and makes gathering and accept, and handling process is comprised the following steps：
ZX3.1, visible light signal is received by the visible Optical Receivers for supplementing charge machine with money, and is converted into packet, then export to
Read-write Catrol module；
ZX3.2, Read-write Catrol module extracts stored value card identity QID3, gathering request SKQQ3 from packet, pays
ZFTY3, payment cipher ZFMM3 are agreed in amount of money FKJR3, payment；The information for extracting is uploaded to server by communication module, and
Following three checking is carried out by server：
1）During whether checking stored value card identity QID3 does not pipe off, if stored value card identity QID3 exists
In blacklist, for checking does not pass through；Otherwise it is to be verified；
2）Whether the gathering request SKQQ3 received in packet is consistent with the SKQQ1 sent by beneficiary, if both are consistent,
To be verified；Otherwise for checking does not pass through；
3）Whether the payment FKJR3 in the packet of payment response is consistent with the collection amount JR1 sent by beneficiary, such as
Both are consistent for fruit, to be verified；Otherwise for checking does not pass through；
4）Whether payment cipher ZFMM3 is that QID3 stored value card payment ciphers are consistent with the identity preserved on server；Such as
Both are consistent for fruit, to be verified；Otherwise for checking does not pass through；
5）Whether payment FKJR3 is the remaining sum of QID3 stored value cards more than identity；If remaining sum enough if checking it is logical
Cross；Else if Sorry, your ticket has not enough value for checking does not pass through；
When the above 5 is all verified, server returns to a checking confirmation code YSQR3 to supplementing charge machine with money and enter ZX3.3,
As long as otherwise there is at least one checking not pass through, server returns to the information that does not pass through of checking to supplementing charge machine with money, then by reading and writing
Control module sends the prompt message that a checking does not pass through to display, and the user of beneficiary is informed by display, while
End operation, exits payment flow；When being verified as that Sorry, your ticket has not enough value, the not enough prompt message of balance amount prompting is gone back；
ZX3.3, Read-write Catrol module generates one and includes collection amount JR1, supplements charge machine identity CID1, electronic money with money
Bag identity QID3, payment agree to ZFTY3, gathering code SKM3, verify that confirmation code YSQR3's accepts information SLX3, and will receive
Bar code display module is arrived in reason information SLX3 outputs；
ZX3.4, bar code display module generates a bar code and shows according to information SLX3 is accepted, and starts waiting for receiving clothes
The response of business device；If not receiving the response from server within a stand-by period for setting, refresh bar code display mould
Block, terminates the flow operations of this payment, exits payment flow；
ZX4, payer receives the gathering from beneficiary and accepts information, and makes payment answer, the processing stream of paying party accordingly
Journey includes：
ZX4.1, stored value card recognizes the bar code display module of beneficiary with bar code scan module scans, obtains accepting information
SLX4；
ZX4.2, control module according to information SLX4 is accepted, obtain collection amount JR4, supplement with money charge machine identity CID4,
Stored value card identity QID4, pay and agree to ZFTY4, gathering code SKM4, checking confirmation code YSQR4, by data-interface to
Server uploads the information for extracting, and carries out following three checking by server：
1）Whether collection amount JR2 is consistent with collection amount JR4；
2）Whether the identity CID2 for supplementing charge machine with money is consistent with CID4；
3）Whether stored value card identity QID2 is consistent with QID4；
4）Pay and agree to that ZFTY2 agrees to whether ZFTY4 is consistent with payment；
5）The checking confirmation code YSQR3 for supplementing the server return that charge machine is received with money accepts information with stored value card from what is received
The checking confirmation code YSQR4 that SLX4 is extracted；
If 5 contrasts are all consistent respectively above, to be verified, into ZX4.3；If if there is a contrast inconsistent,
Then for checking does not pass through, the information just not passed through by one checking of server generation is sent to stored value card and supplements charge machine with money,
ZX4.5；One being sent from control module to display module and verifying the prompt message not passed through, payment is informed by display module again
Side, while end operation, exits payment flow；
ZX4.3, server update identity for QID4 stored value card remaining sum, and this payment operation time, gathering
Amount of money JR4, the identity CID4 for supplementing charge machine with money, payment code ZFM4, gathering code SKM4 simultaneously electron wallet and supplement consumption with money
Machine sends a gathering and completes code SKWC；
ZX4.4, stored value card receives gathering and completes code SKWC, and sending one to display module by control module pays completion
Prompt message, shown to inform paying party by display module, while end operation, exits payment flow；
ZX4.5, stored value card receives the information that checking does not pass through, then obstructed to display module one checking of transmission from control module
The prompt message crossed, paying party is informed by display module, while end operation, exits payment flow；
ZX5, the information of beneficiary the reception server, handling process is comprised the following steps：
ZX5.1, supplements charge machine with money and receives the information that gathering completion code SKWC or checking do not pass through, if receive collected money
Into code SKWC, send one to display by Read-write Catrol module and pay the prompt message for completing, shown by display
Come to inform beneficiary, while end operation, exits payment flow；If the information that checking does not pass through is received, by reading
Write control module and send the prompt message that a checking does not pass through to display, show to inform gathering by display
Side, while end operation, exits payment flow；
In payment flow, the data for supplementing charge machine transmission with money are received from stored value card, and electronics is received from charge machine is supplemented with money
, may all there is the possibility of None- identified during transmitting-receiving in the data that wallet sends, so in payment flow, for nothing
The data of method identification, and lead to not the situation of identification because of data cannot be received, what device can all set at one etc.
After after time time-out, unilaterally terminate payment flow；
In payment flow, from stored value card to the data for supplementing charge machine transmission with money, and from supplementing charge machine to stored value card with money
The data of transmission, may there is a possibility that the loss of data during transmitting-receiving, be tampered, forge, therefore in payment flow
In, to the critical data for receiving every time, it is all assuming to be generated the step of before the data being currently received and payment flow or
The data for receiving are different, it is necessary to contrast verification, thereby guarantees that the true, complete of transceiving data.
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710066538.6A CN106875180B (en) | 2017-02-07 | 2017-02-07 | Online payment method with visible light and bar code bidirectional authentication |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710066538.6A CN106875180B (en) | 2017-02-07 | 2017-02-07 | Online payment method with visible light and bar code bidirectional authentication |
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| Publication Number | Publication Date |
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| CN106875180A true CN106875180A (en) | 2017-06-20 |
| CN106875180B CN106875180B (en) | 2020-10-02 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201710066538.6A Active CN106875180B (en) | 2017-02-07 | 2017-02-07 | Online payment method with visible light and bar code bidirectional authentication |
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Cited By (1)
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| CN110880114A (en) * | 2019-10-28 | 2020-03-13 | 淮安信息职业技术学院 | Transaction protection system and method based on block chain |
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| CN106875180B (en) | 2020-10-02 |
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Application publication date: 20170620 Assignee: Guangxi Zhaoyang Technology Co.,Ltd. Assignor: GUILIN University OF TECHNOLOGY Contract record no.: X2023980044580 Denomination of invention: Online payment method with visible light and barcode bidirectional authentication Granted publication date: 20201002 License type: Common License Record date: 20231027 |
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