CN107194694A - A kind of off line method of payment based on Quick Response Code - Google Patents
A kind of off line method of payment based on Quick Response Code Download PDFInfo
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- CN107194694A CN107194694A CN201710245974.XA CN201710245974A CN107194694A CN 107194694 A CN107194694 A CN 107194694A CN 201710245974 A CN201710245974 A CN 201710245974A CN 107194694 A CN107194694 A CN 107194694A
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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
- G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
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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
- G06Q20/3274—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
-
- 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
- G06Q20/3825—Use of electronic signatures
Abstract
The invention discloses a kind of off line method of payment based on Quick Response Code, using unsymmetrical key grant a certificate, prevent subscriber identity information and be forged and distort；Unsymmetrical key is managed by account publisher, it is ensured that the safe rights and interests of account publisher, and terminal realizes the support to multiple account publishers, and keep the simple and constant of program by the way of list of public keys is dynamically updated；Mechanism is stabbed using dual-time, one of timestamp key is controlled by terminal operator, retransmitted for preventing from replicating, another is controlled by account publisher, for preventing terminal operator from forging transaction.
Description
Technical field
The present invention relates to Quick Response Code method of payment, specifically a kind of off line method of payment based on Quick Response Code.
Background technology
With the gradually popularization of smart mobile phone, Quick Response Code has as a kind of ripe coded image data identification technology
Mobile phone hardware requires low, recognition speed is fast, can support the big advantage of customer volume, obtains increasingly wider application.And traditional public affairs
Bank of Communications's industry also rests on the mode swiped the card or inserted coins, therefore citizen pay to Quick Response Code and propose demand in public transit trade application.
Due to the influence of the factors such as vehicle movement, electromagnetic interference, crowded and platform geographical position, public transit vehicle connection
The problem of net network existence and stability is poor, reliability is low, the online payment mode of Quick Response Code for fully relying on network does not possess feasible
Property.Thus, Quick Response Code off line is paid and proposes demand.
Quick Response Code off line, which is paid, should meet the requirement of security and portability.At present, agency service market is paid in many
The situation of family's competition, the demand for supporting to propose open and fair competition is accepted to terminal：1st, Quick Response Code payment flow is realized
Security and validity；2nd, the integrality and non repudiation of payment transaction data are realized；3rd, realize that many account issuers connect
Enter mechanism.
The content of the invention
The invention provides a kind of off line method of payment based on Quick Response Code, it is possible to resolve above-mentioned context request.
A kind of off line method of payment based on Quick Response Code of the present invention, comprises the following steps：
1) account issuers server produces the unsymmetrical key for certificate signature, and will include unsymmetrical key pair
Public key and the account issuers information list and blacklist of account issuers information be distributed to terminal server, private key will be used
The user certificate of signature is sent to the cell-phone customer terminal by account application；
2) terminal server generation terminal operator timestamp master key, is obtained so that specific algorithm and dispersion factor are scattered
Terminal operator timestamp sub-key is simultaneously sent to account issuers server；Account issuers server obtains terminal clothes simultaneously
Device system clock deadline of being engaged in is synchronous, generates account issuers timestamp master key, equally with specific algorithm and it is scattered because
Son is scattered to obtain account publisher's timestamp sub-key；
3) cell-phone customer terminal obtains terminal operator time stamp by service interface from account issuers under networking state
Key, account issuers timestamp sub-key and system clock, when off line is paid according to local zone time and system clock when
Between deviation calculate correct system time, while close according to terminal operator timestamp sub-key and account issuers time stamp
Key obtains terminal operator timestamp and account issuers timestamp respectively, and by user certificate, system time, terminal operator
Timestamp and account issuers timestamp synthesize Quick Response Code as two-dimensional code data；
4) terminal is synchronous with terminal server completion clock under networking state, and is used to barcode scanning by serve port acquisition
System clock, blacklist, terminal time the stamp master key and account publisher's information list of data are verified, it is complete in offline state
Into barcode scanning checking；
5) payment verification is by rear, and terminal preserves related transaction data, is sent to terminal server during networking, then by
Terminal server formation trading order form submits to account issuers server, during account issuers server by utilizing account issuers
Between stamp master key checking trading order form account issuers timestamp, be verified, should pay, complete trading order form；Otherwise refuse
Pay absolutely, trading order form cancels.
Further, described unsymmetrical key uses SM2 algorithm secret keys.
Further, step 1) in described user certificate include user profile and validity period of certificate.
Further, step 2) described in terminal operator timestamp master key and account issuers timestamp master key
It is the symmetric key produced by diurnal periodicity, time data can be disperseed to produce by fixed key or be made up of random number.
Further, step 2) described in dispersion factor include user account information and validity period of certificate.
Further, step 4) in barcode scanning checking be divided into following steps：
S1, the Quick Response Code of terminal scanning cell-phone customer terminal generation, obtain two-dimensional code data；
The public key information that S2, terminal access to your account in publisher's information list judges the validity of user certificate signature, leads to
Carry out next step S3 is crossed, not by redirecting S7；
When S3, terminal use operator timestamp master key according to identical algorithm and dispersion factor computing terminal operator
Between stamp key, verify two-dimensional code data terminal operator timestamp validity, by carrying out next step S4, do not pass through jump
Turn S7；
S4, the terminal authentication user certificate term of validity validity, by carrying out next step S5, not by redirecting S7；
S5, terminal authentication Quick Response Code show the validity of limited period, by carrying out next step S6, not by redirecting S7；
S6, terminal judge whether user belongs to blacklist, and "Yes" carries out next step S7, and "No" jumps to S8；
S7, transaction are terminated, and terminal does not record transaction data, redirects S1；
S8, terminal accreditation transaction, display is merchandised successfully, and records transaction data；
S9, terminal detection networking signals, if unimpeded with terminal server communication, terminal starts another thread by number of deals
According to uploading to terminal server, after the completion of carry out next step S10；Otherwise S10 is directly redirected；
S10, redirect S1, terminal main thread circulation above-mentioned steps.
Further, step 5) in be verified after, account issuers server by utilizing air control system is to refusal to pay
User judges whether to pull in blacklist.
Requirement and present situation that this method is applied for public transit trade Quick Response Code propose the mechanism of offline transaction, solve off line branch
The safety issue paid：
1st, using unsymmetrical key grant a certificate, prevent subscriber identity information and be forged and distort；
2nd, unsymmetrical key is managed by account publisher, it is ensured that the safe rights and interests of account publisher, and terminal uses dynamic more
The mode of new list of public keys, realizes the support to multiple account publishers, and keep the simple and constant of program；
3rd, unsymmetrical key chooses the close SM2 canonical algorithms of state, on the premise of key strength is ensured, reduces signed data long
Degree, so as to improve the data capacity of Quick Response Code, improves discrimination；
4th, use time stamp mechanism, Quick Response Code contains temporal information and the timestamp calculated time information encryption, terminal
By the certification to timestamp, the time range that limitation Quick Response Code off line is used can make Quick Response Code permanent failure after the several seconds, solve
Certainly Quick Response Code is replicated the safety problem of repeating transmission；
5th, using server clock sync cap, cell-phone customer terminal and terminal unification enter row clock synchronization to server, and
The time migration of usage record is corrected, and reduces the clocking error of termination box cell-phone customer terminal.
6th, mechanism is stabbed using dual-time, one of timestamp key is controlled by terminal operator, for preventing from replicating weight
Hair, another is controlled by account publisher, for preventing terminal operator from forging transaction.
7th, using urgent blacklist mechanism, solve user's malicious overdraft and user mobile phone client is caused by assault
The problem of branch volume and Frequency Anomalies.
Brief description of the drawings
Fig. 1 is the payment flow figure of the present invention；
Embodiment
Embodiments of the invention are described in detail below in conjunction with accompanying drawing, below only preferred embodiments of the present invention, and
It is non-to be used to limit the present invention.
Such as Fig. 1, the off line based on Quick Response Code is paid, it is necessary first to which system is initialized, and account issuers server is adopted
Generated with SM2 algorithms with the unsymmetrical key of form renewal diurnal periodicity；Terminal server regularly updates account issuers information row
Table and subscriber blacklist, account issuers information list include the public key information of account issuers information and unsymmetrical key；Account
Family publisher's server carries out credit evaluation to user, and small amount payment credit underwriting is provided to user, and user passes through cell phone customer
Hold to account publisher's server and send account application, obtain the user certificate of the corresponding private key signature with unsymmetrical key pair,
User certificate includes user profile and validity period of certificate information.
Terminal is initialized with diurnal periodicity, when can be completed during initialization by server interface and terminal server networking
Clock synchronization simultaneously downloads newest account issuers list and blacklist；The corresponding terminal operation of terminal server generation current date
Square timestamp master key, one day correspondence one, can once generate the key of many days after current date, while terminal passes through service
Device interface downloads operator timestamp master key, can once download the key of many days after current date；The terminal operator time
Master key is stabbed using user profile and validity period of certificate as dispersion factor, disperses the terminal operator timestamp sub-key hair obtained
It is sent to account issuers server.
Cell-phone customer terminal can also be initialized by diurnal periodicity, and system is obtained to account issuers server by service interface
System clock, account issuers timestamp sub-key and terminal operator sub-key；Account issuers sub-key is by account issuers
Server is used as dispersion factor with the account issuers timestamp master key generated diurnal periodicity using user certificate and validity period of certificate
Obtained.
Bus is mobile, it is impossible to use cable network, and the wireless signal of website is unstable, terminal and terminal server
Communication is not smooth；Volume of the flow of passengers peak value is big, crowded, causes the unstable networks of user terminal.Public transport pay to transactions velocity and
Stability requirement of merchandising is high, and on-line transaction speed is slow and relies on network, and environmental requirement is high, only takes terminal and cell phone customer
Hold the mode of full certified offline.
In offline state, mobile phone calculates correct system time according to the time deviation of system clock and local zone time,
Operator timestamp and account issuers time are obtained by operator timestamp sub-key and account issuers timestamp sub-key
Stamp, and synthesize two-dimentional using user certificate, system time, operator timestamp and account publisher timestamp as two-dimensional code data
Code；Terminal-pair Quick Response Code carries out barcode scanning, obtains two-dimensional code data, is transported using the system clock, blacklist, terminal downloaded in advance
Battalion side's timestamp master key and account issuers list are verified to Quick Response Code, are comprised the following steps that：
S1, the Quick Response Code of terminal scanning cell-phone customer terminal generation, obtain two-dimensional code data；
The public key information that S2, terminal access to your account in publisher's information list judges the validity of user certificate signature, leads to
Carry out next step S3 is crossed, not by redirecting S7；
When S3, terminal use operator timestamp master key according to identical algorithm and dispersion factor computing terminal operator
Between stamp key, verify two-dimensional code data terminal operator timestamp validity, by carrying out next step S4, do not pass through jump
Turn S7；
S4, the terminal authentication user certificate term of validity validity, by carrying out next step S5, not by redirecting S7；
S5, terminal authentication Quick Response Code show the validity of limited period, by carrying out next step S6, not by redirecting S7；
S6, terminal judge whether user belongs to blacklist, and "Yes" carries out next step S7, and "No" jumps to S8；
S7, transaction are terminated, and terminal does not record transaction data, redirects S1；
S8, terminal accreditation transaction, display is merchandised successfully, and records transaction data；
S9, terminal detection networking signals, if unimpeded with terminal server communication, terminal starts another thread by number of deals
According to uploading to terminal server, after the completion of carry out next step S10；Otherwise S10 is directly redirected；
S10, redirect S1, terminal main thread circulation above-mentioned steps.
Payment verification is by rear, and terminal preserves related transaction data, and terminal server is sent to during networking, then by end
End server formation trading order form submits to account issuers server, account issuers server by utilizing account issuers time
Master key checking trading order form account issuers timestamp is stabbed, is verified, should pay, complete trading order form；Otherwise refuse
Pay, trading order form cancels.Trading order form is by rear, and user may be produced by different approaches and stop payment operation, account issuers
Server can produce blacklist by air control network analysis trading activity.
The foregoing is only a preferred embodiment of the present invention, but protection scope of the present invention be not limited thereto,
Any modifications, equivalent substitutions and improvements made within the spirit and principles of the invention etc., should be included in the present invention's
Within protection domain.
Claims (7)
1. a kind of off line method of payment based on Quick Response Code, it is characterised in that comprise the following steps：
1) account issuers server produces the unsymmetrical key for certificate signature, and the public affairs that will include unsymmetrical key pair
Key and the account issuers information list and blacklist of account issuers information are distributed to terminal server, will use private key signature
User certificate be sent to cell-phone customer terminal by account application；
2) terminal server generation terminal operator timestamp master key, terminal is obtained so that specific algorithm and dispersion factor are scattered
Operator timestamp sub-key is simultaneously sent to account issuers server；Account issuers server obtains terminal server simultaneously
The system clock deadline is synchronous, generates account issuers timestamp master key, equally with specific algorithm and dispersion factor point
Dissipate and obtain account publisher's timestamp sub-key；
3) under networking state cell-phone customer terminal by service interface from account issuers obtain terminal operator timestamp sub-key,
Account issuers timestamp sub-key and system clock, when off line is paid according to the time deviation of local zone time and system clock
Correct system time is calculated, while distinguishing according to terminal operator timestamp sub-key and account issuers timestamp sub-key
Obtain terminal operator timestamp and account issuers timestamp, and by user certificate, system time, terminal operator timestamp
With account issuers timestamp Quick Response Code is synthesized as two-dimensional code data；
4) terminal is synchronous with terminal server completion clock under networking state, and is verified by serve port acquisition to barcode scanning
System clock, blacklist, terminal time stamp master key and the account publisher's information list of data, complete to sweep in offline state
Code checking；
5) payment verification is by rear, and terminal preserves related transaction data, and terminal server is sent to during networking, then by terminal
Server formation trading order form submits to account issuers server, account issuers server by utilizing account issuers timestamp
Master key verifies trading order form account issuers timestamp, is verified, should pay, and completes trading order form；Otherwise branch is refused
Pay, trading order form cancels.
2. a kind of off line method of payment based on Quick Response Code according to claim 1, it is characterised in that described is asymmetric
Key uses SM2 algorithm secret keys.
3. a kind of off line method of payment based on Quick Response Code according to claim 1, it is characterised in that step 1) in institute
The user certificate stated includes user profile and validity period of certificate.
4. a kind of off line method of payment based on Quick Response Code according to claim 1, it is characterised in that step 2) described in
Terminal operator timestamp master key and account issuers timestamp master key be the symmetric key produced by diurnal periodicity, can
It is made up of fixed key to the scattered generation of time data or by random number.
5. a kind of off line method of payment based on Quick Response Code according to claim 1 or 3, it is characterised in that step 2) in
Described dispersion factor includes user account information and validity period of certificate.
6. a kind of off line method of payment based on Quick Response Code according to claim 1, it is characterised in that step 4) in barcode scanning
Checking is divided into following steps：
S1, the Quick Response Code of terminal scanning cell-phone customer terminal generation, obtain two-dimensional code data；
The public key information that S2, terminal access to your account in publisher's information list judges the validity of user certificate signature, by entering
Row next step S3, not by redirecting S7；
S3, terminal are using operator timestamp master key according to identical algorithm and dispersion factor computing terminal operator timestamp
Sub-key, verifies the validity of the terminal operator timestamp of two-dimensional code data, by carrying out next step S4, not by redirecting
S7；
S4, the terminal authentication user certificate term of validity validity, by carrying out next step S5, not by redirecting S7；
S5, terminal authentication Quick Response Code show the validity of limited period, by carrying out next step S6, not by redirecting S7；
S6, terminal judge whether user belongs to blacklist, and "Yes" carries out next step S7, and "No" jumps to S8；
S7, transaction are terminated, and terminal does not record transaction data, redirects S1；
S8, terminal accreditation transaction, display is merchandised successfully, and records transaction data；
S9, terminal detection networking signals, if unimpeded with terminal server communication, terminal starts another thread by transaction data
Pass to terminal server, after the completion of carry out next step S10；Otherwise S10 is directly redirected；
S10, redirect S1, terminal main thread circulation above-mentioned steps.
7. a kind of offline electronic payment method based on Quick Response Code according to claim 1, it is characterised in that step 5) middle checking
By rear, account issuers server by utilizing air control system judges whether to pull in blacklist to the user of refusal to pay.
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710245974.XA CN107194694B (en) | 2017-04-14 | 2017-04-14 | Offline payment method based on two-dimension code |
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| CN201710245974.XA CN107194694B (en) | 2017-04-14 | 2017-04-14 | Offline payment method based on two-dimension code |
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| CN107194694A true CN107194694A (en) | 2017-09-22 |
| CN107194694B CN107194694B (en) | 2020-08-07 |
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| CN201710245974.XA Active CN107194694B (en) | 2017-04-14 | 2017-04-14 | Offline payment method based on two-dimension code |
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Cited By (11)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107798373A (en) * | 2017-11-24 | 2018-03-13 | 成都智元汇信息技术股份有限公司 | A kind of method and system of Quick Response Code anti-copying |
| CN108460593A (en) * | 2017-11-01 | 2018-08-28 | 福建博思软件股份有限公司 | A kind of offline Quick Response Code method of payment and device |
| CN108734248A (en) * | 2018-04-17 | 2018-11-02 | 新大陆（福建）公共服务有限公司 | A kind of barcode scanning method of the method for quickly generating safe Quick Response Code and Quick Response Code |
| CN109766979A (en) * | 2019-01-18 | 2019-05-17 | 北京思源互联科技有限公司 | Two-dimensional code generation method, verification method and device |
| CN110097370A (en) * | 2019-03-29 | 2019-08-06 | 捷德（中国）信息科技有限公司 | Off line method of payment, device, server and medium |
| CN110189126A (en) * | 2019-06-03 | 2019-08-30 | 飞天诚信科技股份有限公司 | A kind of generation method and device of dynamic two-dimension code |
| CN110390733A (en) * | 2019-03-18 | 2019-10-29 | 深圳市迈圈信息技术有限公司 | A kind of bus card-reading machine control method, device and computer equipment |
| CN110472803A (en) * | 2018-05-09 | 2019-11-19 | 腾讯科技（深圳）有限公司 | The vehicles take code issued rights configuration method, device and server |
| CN112348503A (en) * | 2020-11-24 | 2021-02-09 | 中国农业银行股份有限公司安徽省分行 | Capital collection and payment method |
| CN114298258A (en) * | 2021-12-21 | 2022-04-08 | 北京格灵深瞳信息技术股份有限公司 | Offline two-dimensional code generation method |
| CN115082051A (en) * | 2022-08-24 | 2022-09-20 | 中铁电气化局集团有限公司 | Diversified payment platform, encryption method and payment equipment for railway ticket business |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN108460593A (en) * | 2017-11-01 | 2018-08-28 | 福建博思软件股份有限公司 | A kind of offline Quick Response Code method of payment and device |
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| CN107798373A (en) * | 2017-11-24 | 2018-03-13 | 成都智元汇信息技术股份有限公司 | A kind of method and system of Quick Response Code anti-copying |
| CN108734248A (en) * | 2018-04-17 | 2018-11-02 | 新大陆（福建）公共服务有限公司 | A kind of barcode scanning method of the method for quickly generating safe Quick Response Code and Quick Response Code |
| CN110472803A (en) * | 2018-05-09 | 2019-11-19 | 腾讯科技（深圳）有限公司 | The vehicles take code issued rights configuration method, device and server |
| CN109766979A (en) * | 2019-01-18 | 2019-05-17 | 北京思源互联科技有限公司 | Two-dimensional code generation method, verification method and device |
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| CN110390733A (en) * | 2019-03-18 | 2019-10-29 | 深圳市迈圈信息技术有限公司 | A kind of bus card-reading machine control method, device and computer equipment |
| CN110097370B (en) * | 2019-03-29 | 2022-03-04 | 捷德（中国）信息科技有限公司 | Offline payment method, device, server and medium |
| CN110097370A (en) * | 2019-03-29 | 2019-08-06 | 捷德（中国）信息科技有限公司 | Off line method of payment, device, server and medium |
| CN110189126A (en) * | 2019-06-03 | 2019-08-30 | 飞天诚信科技股份有限公司 | A kind of generation method and device of dynamic two-dimension code |
| CN112348503A (en) * | 2020-11-24 | 2021-02-09 | 中国农业银行股份有限公司安徽省分行 | Capital collection and payment method |
| CN112348503B (en) * | 2020-11-24 | 2023-11-03 | 中国农业银行股份有限公司安徽省分行 | Fund collection and payment method |
| CN114298258A (en) * | 2021-12-21 | 2022-04-08 | 北京格灵深瞳信息技术股份有限公司 | Offline two-dimensional code generation method |
| CN115082051A (en) * | 2022-08-24 | 2022-09-20 | 中铁电气化局集团有限公司 | Diversified payment platform, encryption method and payment equipment for railway ticket business |
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| CN107194694B (en) | 2020-08-07 |
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