CN107146079A - Transaction payment method and system - Google Patents

Transaction payment method and system Download PDF

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Publication number
CN107146079A
CN107146079A CN201710080394.XA CN201710080394A CN107146079A CN 107146079 A CN107146079 A CN 107146079A CN 201710080394 A CN201710080394 A CN 201710080394A CN 107146079 A CN107146079 A CN 107146079A
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CN
China
Prior art keywords
biological characteristic
intelligent terminal
ciphertext
transaction
active user
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Granted
Application number
CN201710080394.XA
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Chinese (zh)
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CN107146079B (en
Inventor
孙权
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
China Unionpay Co Ltd
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China Unionpay Co Ltd
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
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Publication date
Application filed by China Unionpay Co Ltd filed Critical China Unionpay Co Ltd
Priority to CN201710080394.XA priority Critical patent/CN107146079B/en
Publication of CN107146079A publication Critical patent/CN107146079A/en
Priority to PCT/CN2018/075998 priority patent/WO2018149367A1/en
Priority to TW107104945A priority patent/TWI720287B/en
Application granted granted Critical
Publication of CN107146079B publication Critical patent/CN107146079B/en
Active legal-status Critical Current
Anticipated expiration legal-status Critical

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Classifications

    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327Short range or proximity payments by means of M-devices
    • G06Q20/3274Short 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
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/382Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3821Electronic credentials
    • G06Q20/38215Use of certificates or encrypted proofs of transaction rights
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, 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
    • G06Q20/401Transaction verification
    • G06Q20/4014Identity check for transactions
    • G06Q20/40145Biometric identity checks

Abstract

The present invention relates to a kind of transaction payment method, registration phase includes:Biological characteristic authentication server obtains the biological characteristic of registered user based on the registration request of intelligent terminal, and transaction payment server issues public key to intelligent terminal;Transactional stage includes:Biological characteristic of the intelligent terminal at least based on public key and active user and generate the first ciphertext;Intelligent terminal generates Chinese letter co, the user profile based on active user based on the first ciphertext and generates Quick Response Code;Transaction payment server obtains the first ciphertext and user profile for scanning and recognizing through cashier terminal, and the first ciphertext is decrypted using private key, to obtain the biological characteristic of active user;And, transaction payment server completes transaction based on biological characteristic authentication server to the result and user profile of the biological characteristic authentication of active user.It can realize safer electronic transaction, protection user account safety.

Description

Transaction payment method and system
Technical field
The present invention relates to technical field of electronic commerce, more specifically to a kind of transaction payment method and system.
Background technology
Now, barcode scanning pays and is widely applied in life.Quick Response Code barcode scanning pays and can be divided into master and sweeps and swept Both of which, wherein being widely used by the pattern of sweeping in wechat payment, Alipay, for example, the client application of mobile terminal User account information is encoded into Quick Response Code or bar code, cashier terminal barcode scanning is to determine user account information to complete to pay Transaction.
One major issue of the means of payment is the presence of safety issue, and 2 D code information/bar code is easily replicated, And then cause user account information to be revealed, falsely use so as to bring, usurp risk.Although some applications are believed account information/transaction Breath is handled so that Quick Response Code/bar code is not, simply to show account information/Transaction Information in plain text, but still to deposit In the risk for being easier to break through, criminal's opportunity is given.
On the other hand, in the prior art, existing utilization biological characteristic(Such as fingerprint)To verify the scheme of transaction, but It is that some cashier terminals can directly obtain or even retain the fingerprint characteristic data of user, and this equally brings safety to user Risk.
The content of the invention
It is an object of the invention to for a kind of more safe and reliable, based on scanning Quick Response Code transaction payment method.
To achieve the above object, a kind of technical scheme of present invention offer is as follows:
A kind of transaction payment method, including:Registration phase, comprises the following steps:Biological characteristic authentication server is based on intelligence eventually The registration request at end and the biological characteristic that registered user is obtained from intelligent terminal, transaction payment server are based on registration request to intelligence Energy terminal issues public key;Wherein biological characteristic is acquired by the physical characteristics collecting equipment of intelligent terminal and obtained;And hand over In the easy stage, comprise the following steps:Intelligent terminal gathers the biological characteristic of active user, and at least based on public key and active user Biological characteristic and generate the first ciphertext;Intelligent terminal is based on the first ciphertext generation Chinese letter co, the user profile based on active user Quick Response Code is generated, and shows Chinese letter co and Quick Response Code so that cashier terminal is scanned and is recognized;Transaction payment server is whole from cash register End obtains the first ciphertext and user profile for scanning and recognizing through cashier terminal, and the first ciphertext is decrypted using private key, To obtain the biological characteristic of active user and transfer to biological characteristic authentication server;And transaction payment server is based on biology Feature verification server completes transaction to the result and user profile of the biological characteristic authentication of active user.
Preferably, Chinese letter co and Quick Response Code are respectively displayed on the screen of intelligent terminal or the different piece of display window.
Preferably, Chinese letter co is shown in the middle body of screen or display window, and Quick Response Code is shown in screen or display window The periphery of mouth.
Preferably, Chinese letter co and synchronous two-dimension code are shown.
Preferably, intelligent terminal also timing code based on current time when generating the first ciphertext.
Preferably, intelligent terminal performs hash algorithm to the biological characteristic of active user and made a summary, and utilizes public key Summary is encrypted and the first ciphertext is generated.
Invention additionally discloses a kind of trading payment system, including:Transaction execution unit, is communicating with an at least intelligent terminal Upper coupling, it includes:Biological characteristic authentication server, is authenticated for the biological characteristic to active user;Transaction payment takes Business device, the first ciphertext and the user profile of active user are obtained from cashier terminal, and the first ciphertext is decrypted using private key, To obtain the biological characteristic of active user and transfer to biological characteristic authentication server, transaction payment server is also based on biological special The authentication result of certificate server is levied to complete transaction;An at least cashier terminal, cashier terminal scanning and identification intelligent terminal institute The Chinese letter co and Quick Response Code of display;And an at least intelligent terminal, intelligent terminal include physical characteristics collecting equipment, intelligent terminal The public key and the biological characteristic of active user that are at least issued based on transaction payment server and generate the first ciphertext, and based on One ciphertext generates Chinese letter co, generates Quick Response Code based on user profile.
Transaction payment method and system provided by the present invention, can while electronic transaction is realized in a simple manner decoupled Effectively prevent from the information such as Quick Response Code/bar code to be replicated to bring potential safety hazard to user account, additionally it is possible to the life to user The intelligent terminal that thing characteristic information is authenticated preventing criminal from usurping user, and then, the trading payment system can Safer electronic transaction, protection user account safety are realized, good usage experience is also brought to user.
Brief description of the drawings
Fig. 1 shows the schematic flow sheet for the transaction payment method that first embodiment of the invention is provided.
Fig. 2 shows the block diagram for the trading payment system that second embodiment of the invention is provided.
Embodiment
As shown in figure 1, first embodiment of the invention provides a kind of transaction payment method, it generates Quick Response Code with intelligent terminal Realized for the mode of cashier terminal scanning, this method includes two stages:Registration phase and transactional stage.
Registration phase includes step S10:Biological characteristic authentication server obtains note based on the registration request of intelligent terminal The biological characteristic of volume user, transaction payment server issues public key based on registration request to intelligent terminal.Wherein biological characteristic by The physical characteristics collecting equipment of intelligent terminal is acquired and obtained.
Submit registration please to biological characteristic authentication server specifically, it is desired to which the user of registration passes through held intelligent terminal Ask, biological characteristic authentication server indicating intelligent terminal gathers the biological characteristic of registered user, by biology after intelligent terminal collection Feature uploads to biological characteristic authentication server, and biological characteristic authentication server preserves the biological characteristic of the registered user, and refers to Show that transaction payment server issues public key to the intelligent terminal.
After the completion of above-mentioned registration phase, you can enter transactional stage.It will be understood by those skilled in the art that registration phase is only It need to carry out once, and transactional stage can be carried out arbitrarily repeatedly.
In transactional stage, occurs information exchange between intelligent terminal and cashier terminal by way of scanning, cash register is whole Occurs information exchange by network service between end and transaction payment server, it is rapid that transactional stage specifically includes following steps.
Step S11, intelligent terminal gather the biological characteristic of active user, and the biology at least based on public key and active user Feature and generate the first ciphertext.
Specifically, as an example, intelligent terminal is gathered after the biological characteristic of active user, to the biological characteristic of active user Perform hash algorithm and made a summary, and summary is encrypted in the public key that registration phase is issued using transaction payment server And generate the first ciphertext.
Further, intelligent terminal is also based on the timing code of current time when generating the first ciphertext.And then, rear In continuous step, transaction payment server can judge the ageing of transaction with passage time code, and this can also increase the peace of transaction Quan Xing.
In addition, intelligent terminal can be combined with the device id of mobile terminal when generating the first ciphertext.Generally, mobile terminal Device id be non-exchange.Combine after device id, can be conducive to increasing user profile(Such as account)Security.
Step S12, intelligent terminal generate Chinese letter co, the user profile based on active user based on the first ciphertext and generate two dimension Code, and show Chinese letter co and Quick Response Code so that cashier terminal is scanned and is recognized.
In this step, Chinese letter co and Quick Response Code can be respectively displayed on the screen of intelligent terminal or the difference of display window Part.For example, Chinese letter co is shown in the middle body of screen or display window, Quick Response Code is shown in the outer of screen or display window Enclose part;Or, Chinese letter co is shown in left part, and Quick Response Code is shown in right part.
It is appreciated that intelligent terminal can be zoomed in and out when showing Chinese letter co, Quick Response Code to both, can also be with not With time sequencing successively show both.
Under preferable case, Quick Response Code is around Chinese letter co, and both simultaneous displays are in the display window of intelligent terminal, for cash register Terminal is scanned, recognized.
Step S13, transaction payment server obtain the first ciphertext and user profile for scanning and recognizing through cashier terminal, and The first ciphertext is decrypted using private key, to obtain the biological characteristic of active user.
Specifically, cashier terminal scans and recognizes Chinese letter co, after Quick Response Code, friendship will be delivered in the first ciphertext and user profile First ciphertext is decrypted easy paying server, transaction payment server by utilizing private key, obtains the biological characteristic of active user. In the process, although cashier terminal obtains the first ciphertext, it can not parse or preserve the first ciphertext.Then, transaction payment takes The biological characteristic of active user is transferred to biological characteristic authentication server by business device.
Step S14, transaction payment server are based on biological characteristic authentication of the biological characteristic authentication server to active user Result and user profile come complete transaction.
Wherein, biological characteristic authentication server is authenticated to the biological characteristic of active user first, and by authentication result Notify transaction payment server, transaction payment server again based on authentication result, user profile come complete merchandise.
Specifically, it is biological if the biological characteristic of active user is not matched in the biological characteristic storehouse of registered users Feature verification server will provide the authentication result of negative, and transaction payment server will refuse current transaction;Conversely, biological characteristic Certificate server will provide the authentication result of affirmative, and transaction payment server will proceed current transaction, and realize the stream of fund Turn.
The transaction payment method can effectively prevent Quick Response Code/bar shaped while electronic transaction is realized in a simple manner decoupled The information such as code are replicated, additionally it is possible to which the biological information of user is authenticated.These measures are conducive to improving electronic transaction Security and effectively protect user account not usurped.
Second embodiment of the invention provides a kind of trading payment system, and it is whole that it includes transaction execution unit 20, multiple cash registers End 21(For the sake of simplicity, one is only shown in accompanying drawing)And multiple intelligent terminals 22(For the sake of simplicity, one is only shown in accompanying drawing It is individual), as shown in Figure 2.
Wherein, transaction execution unit 20 can be communicated with multiple intelligent terminals 22 using mobile communications network, be merchandised Execution unit 20 can utilize internet with multiple cashier terminals 21(Such as Internet)Communicated.
Execution unit 20 of merchandising includes biological characteristic authentication server 201, transaction payment server 202.Intelligent terminal 22 Including physical characteristics collecting equipment, the biological characteristic for gathering user, for example, fingerprint, iris, vocal print, face-image etc..
Specifically, intelligent terminal 22 is at least issued based on transaction payment server 202 in the user's registration stage public key and The biological characteristic of active user and generate the first ciphertext, and based on the first ciphertext generation Chinese letter co, based on user profile generation Quick Response Code, and show that Chinese letter co and Quick Response Code are scanned for cashier terminal 21, recognized.
Cashier terminal 21 includes scanning device, to scan Chinese letter co and Quick Response Code shown by simultaneously identification intelligent terminal 22.
Then, transaction payment server 202 obtains the first ciphertext and the user profile of active user from cashier terminal 21, and The first ciphertext is decrypted using private key, to obtain the biological characteristic of active user and transfer to biological characteristic authentication server 201, after biological characteristic authentication server 201 is authenticated, transaction payment server 202 is also taken based on biological characteristic authentication Be engaged in device 201 authentication result come complete transaction.
Further, Chinese letter co and Quick Response Code can be respectively displayed on the difference of screen or display window by intelligent terminal 22 Part.Under preferable case, Chinese letter co is shown in the middle body of screen or display window by intelligent terminal 22, and Quick Response Code is shown In screen or the periphery of display window.In addition, intelligent terminal 22 preferably simultaneous display Chinese letter co, Quick Response Code.
Further, transaction execution unit 20 is arranged at financial institution end(Local side), cashier terminal 21 be arranged at distal end. Above-mentioned trading payment system can be disposed based on cloud computing system, be upgraded with promotion system with safeguarding.
User can safely and quickly carry out electronic transaction after the completion of being registered to above-mentioned trading payment system, obtain Good usage experience.The trading payment system cost of implementation is low, easy to utilize.
Described above is not lain in and limited the scope of the invention only in the preferred embodiments of the present invention.Ability Field technique personnel can make various modifications design, without departing from the thought and subsidiary claim of the present invention.

Claims (10)

1. a kind of transaction payment method, including:
Registration phase, comprises the following steps:
A), registration request of the biological characteristic authentication server based on intelligent terminal and obtain registered user from the intelligent terminal Biological characteristic, transaction payment server issues public key based on the registration request to the intelligent terminal;It is wherein described biological special Levy and be acquired by the physical characteristics collecting equipment of the intelligent terminal and obtained;And
Transactional stage, comprises the following steps:
B), the intelligent terminal gathers the biological characteristic of active user, and at least based on the public key and the current use The biological characteristic at family and generate the first ciphertext;
C), the intelligent terminal generates Chinese letter co, the user profile generation based on the active user based on first ciphertext Quick Response Code, and show the Chinese letter co and the Quick Response Code so that cashier terminal is scanned and is recognized;
D), the transaction payment server obtains described first for scanning and recognizing through the cashier terminal from the cashier terminal Ciphertext and the user profile, and first ciphertext is decrypted using private key, to obtain the biology of the active user Feature simultaneously transfers to the biological characteristic authentication server;And
E), the transaction payment server is recognized the biological characteristic of the active user based on the biological characteristic authentication server The result of card and the user profile complete transaction.
2. according to the method described in claim 1, it is characterised in that the Chinese letter co and the Quick Response Code are respectively displayed on described The screen of intelligent terminal or the different piece of display window.
3. method according to claim 2, it is characterised in that the Chinese letter co is shown in the screen or display window Middle body, the Quick Response Code is shown in the periphery of the screen or display window.
4. method according to claim 2, it is characterised in that the Chinese letter co and the synchronous two-dimension code are shown.
5. according to the method described in claim 1, it is characterised in that the intelligent terminal goes back base when generating first ciphertext In the timing code of current time.
6. according to the method described in claim 1, it is characterised in that biological characteristic of the intelligent terminal to the active user Perform hash algorithm and made a summary, and the summary is encrypted using the public key and first ciphertext is generated.
7. a kind of trading payment system, including:
Transaction execution unit, is coupled, it includes with an at least intelligent terminal in communication:
Biological characteristic authentication server, is authenticated for the biological characteristic to active user;
Transaction payment server, the first ciphertext and the user profile of active user are obtained from cashier terminal, and using private key to institute State the first ciphertext to be decrypted, to obtain the biological characteristic of the active user and transfer to the biological characteristic authentication service Device, the transaction payment server completes transaction also based on the authentication result of the biological characteristic authentication server;
Cashier terminal at least described in one, the cashier terminal scans and recognizes Chinese letter co and two dimension shown by the intelligent terminal Code;And
Intelligent terminal at least described in one, the intelligent terminal includes physical characteristics collecting equipment, and the intelligent terminal is at least based on Public key and the biological characteristic of the active user that the transaction payment server is issued and generate the first ciphertext, and based on institute The first ciphertext is stated to generate the Chinese letter co, generate the Quick Response Code based on the user profile.
8. system according to claim 7, it is characterised in that the intelligent terminal is by the Chinese letter co and the Quick Response Code It is respectively displayed on the different piece of screen or display window.
9. system according to claim 8, it is characterised in that the Chinese letter co is shown in the screen by the intelligent terminal The middle body of curtain or display window, the Quick Response Code is shown in the periphery of the screen or display window.
10. the system according to any one of claim 7 to 9, it is characterised in that the transaction execution unit is arranged at gold Melt mechanism end, the cashier terminal is arranged at distal end.
CN201710080394.XA 2017-02-15 2017-02-15 Transaction payment method and system Active CN107146079B (en)

Priority Applications (3)

Application Number Priority Date Filing Date Title
CN201710080394.XA CN107146079B (en) 2017-02-15 2017-02-15 Transaction payment method and system
PCT/CN2018/075998 WO2018149367A1 (en) 2017-02-15 2018-02-09 Transaction payment method and system
TW107104945A TWI720287B (en) 2017-02-15 2018-02-12 Transaction payment method and system

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Application Number Priority Date Filing Date Title
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CN107146079B CN107146079B (en) 2020-05-22

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WO (1) WO2018149367A1 (en)

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WO2018149367A1 (en) * 2017-02-15 2018-08-23 中国银联股份有限公司 Transaction payment method and system
CN115189898A (en) * 2021-04-01 2022-10-14 富联精密电子(天津)有限公司 Transaction processing method, terminal and storage medium
CN116629887A (en) * 2023-07-20 2023-08-22 鼎铉商用密码测评技术(深圳)有限公司 Registration method, authentication method, device and storage medium based on biological characteristics

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CN116629887A (en) * 2023-07-20 2023-08-22 鼎铉商用密码测评技术(深圳)有限公司 Registration method, authentication method, device and storage medium based on biological characteristics

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CN107146079B (en) 2020-05-22
WO2018149367A1 (en) 2018-08-23
TW201832153A (en) 2018-09-01
TWI720287B (en) 2021-03-01

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